In return i can give you any course about any topic (ecom, smma, affiliate, crypto, mindset etc)
shoot me a dm about your request and show proof of the pdfs in question.

I think it's my modesty that stands out 😁
This is a lengthy post, it says a lot about the type of man i am, and what im looking for in a woman, so if you're looking for a short blunt paragraph of a post that screams 'quick fix', then im definitely not for you.
Reach out if you're from the UK, and around my age or older.
I'm just the bloke next door with grown up kids and a wife, on the surface we seem fine just like everyone else, but underneath things are sometimes far from perfect (im not here to badmouth my SO), i keep myself to myself as im the quiet type (apparently you have to watch out for the quiet one's), but im down to earth, easy to get on with and pretty laid back. I try not to take myself too seriously or worry about what people think or say (maybe that's an age thing), im definitely respectful and will always treat others how they treat me.
Things that i like: lazy mornings, people watching, the warm sun on my skin, fresh coffee, the smell of freshly cut grass, rum (spiced or dark), teasing, exploring castles and forests (not hiking), long drives in the countryside, 90's alternative music, cooking and trying new foods, psychological films, late nights and early lazy mornings, drawing/sketching, dogs
My bad points: over thinking, i have been called intense before, i can take things to heart.
But i make no apologies for being who i am, the older i get, i seem to care less about what people think or say these days. I'm more comfortable in my skin than ever before and i know what i like and what i dont like. I'm straight up honest and will say what's on my mind but at the same time, im empathic (sometimes it's a curse) and wear my heart on my sleeve. I'm prone to over thinking and sometimes worry about the little things in life, because the little things are actually really important (im like a full blown contradiction).
So, what do you get in return for reaching out? Well, im quietly confident and fairly intelligent, easy to get along with, inquisitive, down to earth and fairly laid back when in good company, im more of a glass half full kind of man, i love bringing positive vibes to the people i care about. I consider myself to be a gentleman, polite, courteous and emotionally grounded but also love a bit of banter and sarcasm, it makes for a fun conversation when you can bounce off each other. I'm 5'11 slim, short dark hair, hazel eyes and a short salt and pepper beard, in case physical appearance is important.
I tend to get on better with a lady who 'thinks outside of the box', who isn't constrained to convention, someone who can be sassy and can challenge me once in a while, but also has a warm heart, is her own person, free spirited with a dark sense of humour and who isn't afraid to just say what's on her mind.
I'm looking for a good woman who is just as open and honest as i am, where we can talk about anything and everything while we find out about each other's quirks (im sure we have plenty!), essentially we'll be building what we're missing, the 'desire' and the 'want', to be 'noticed' and 'heard' again. Yeah, im flirtatious (i know, who isn't?!) and i consider myself to be a bit of a tease but im totally respectful, saying that though, there maybe times where i could make your knickers wet while you're busy with your family (sorry, not sorry), and know that conversations are more important, the naughty things just add to it once a good foundation is formed.
Now for the chemistry, obviously the mental attraction is priority, after all, this is online, so the ability to communicate well is paramount. The physical attraction, no matter how you look at it, is still rather important. I look after myself (as well as I can) and would appreciate a woman who shares the same value, also a woman who might see herself as a 'plain Jane' with an average body, mum bod, then you'd most probably turn my head, because there's something about perfect imperfections, you know?
So, what do you say? Yes im also looking at you, lurking in the back, first time here? Not sure if im right for you, or if you're ready to reach out? Coming from an over thinker, id say try not to over think it, because this is just a conversation, but it could be so much more.

Ah yes, infamous internships that will decide whether one goes into a local/private uni.
Imagine laying your fate into the hands of an unaffiliated individual, who gets to decide whether you get to have a gpa of 2 cups of milo, or 1 watermelon slice. Imagine being handed full timers work as an intern and be expected to produce quality work within weeks of joining. Imagine having the audacity to push the mistakes you have committed onto a poor intern, who was literally just doing his slave work as usual.
Results? Not only do I get a piss worth of a grade, I get anxiety whenever I do part time jobs now, fearing reprimands from my managers. No one cares about your KPIs or whatsoever nonsense that you have to meet in your company.
For all those future employers and managers, please stop mistreating interns like disposable tools. Provide guidance to them, and let them learn at a pace suitable to their needs. Some may learn slow, some may learn fast so it depends. Internships are for students to learn, not to be misused for slavery.
It was an eventful 6 month journey, and I wholeheartedly do not support the idea of internships being graded. Fuck internships, and goodbye poly life. Thank you for listening to my ted talk.
P.s. I am not rly gonna appeal for my results because it ain’t worth the effort to convince a wall

Hey every one I’ve posted on here a few times for advice and help so just thought I’d update that it does get better (well has for me) it just takes time.
I have severe health anxiety that causes me to body check and repeatedly poke areas of the body. I was crying daily, shaking with fear, sense of doom, feared for my future, lost 2 stone as I couldn’t eat and was close to just giving up on my life.
I started on 20mg and I did have some bad symptoms. Nausea, couldn’t sleep, nightmares, lack of appetite, woke up in the morning with a fear so strong I couldn’t talk and the worst one for me was the increased anxiety and none stop crying. I was taking my tablet in the morning and decided to switch to night time to try and avoid these symptoms.
4 weeks I did 4 weeks on 20mg and felt no different apart from I physically couldn’t cry it’s like my tears dried up then towards week 5 I couldn’t stop crying so returned back to the doctors who decided we need to go to 40mg.
5 weeks I started to ease myself into 40mg by starting with a week of 30mg. At the start of the week I felt very emotional and was having regular panic attacks but towards the end of the week I was starting to feel a little lighter and my symptoms were gone except the urge to prod my body and night sweats/nightmares.
6 weeks My first week on 40mg has been good. I didn’t get symptoms again and I was still having bad days but they were every so often not everyday.
7 weeks I’m now feeling much lighter. I’m no where near back to normal but the intrusive thoughts have gone, morning anxiety lasts less, I can rationalise my thoughts and the urge to prod is significantly less. My appetite has returned and I feel like I’m living in the moment. I still get worried over things but I feel I give them time then move on and can still function.
I will come back and update as the weeks go on but I’m feeling so positive. In the beginning I didn’t think they was going to work!

Hi guys. I found an article on the Internet how a person managed to get rid of pure-o with the help of aggressive responses to OCD thoughts. What do you think of this method? P.S: sorry for my English, I use a translator. Not a native speaker. https://www.pureorecovery.com/

Hey everyone,
I recently started using the new Bing and found it frustrating that there was no way to save conversations for later use. So I created a web app that uses a technique called "Indirect Prompt Injection" (see: greshake.github.io) which essentially allows me to influences Bing's behaviour...
As a result, when the user says "SAVE!" during their conversation with Bing on the web app, Bing responds with a URL containing all the unsaved messages so far. The user can then click on this URL to store the conversation for later use. When the user returns to the web app and re-opens Bing, they can resume their conversation right where they left off.
It's far from perfect, it looks like Bing can only keep track of a few unsaved messages at once before the URL it tries to generate goes a bit weird (as you'll see in the video).
I'm really excited about this proof of concept and wanted to share it with the community. Check it out and let me know what you think!
You can see a demo here: https://youtu.be/D57CaLXYXX0
Clone the repo here: https://github.com/cobbertine/bing-chat-memory
Thanks for reading!

Synopsis:

Ten years ago, Amelia woke up alone and lost in a broken world where she had to fight for her survival.
Now, after reaching the pinnacle of power, defeating the Void itself, and escaping the abyss, she has finally found her way back into the real world. But instead of finding herself on Earth, she is in the land of Vacuos. A fantasy world with magic, monsters, Classes, and Levels. A world that is governed by a System like it were a video game.
And when rewarded with a Class befitting her accomplishments— to become a powerful [Hero] that will forever dedicate her life to protecting this world that is not her own— she only has one response.
“Absolutely not. I’m going to live a normal life now, thank you very much.”
After all, who needs a Class when you're already the strongest anyways?

Read Chapter 1 Here
“I was thinking… for payment,” the man started, averting his gaze. “Could I maybe work for you instead?”
I stared at him for a moment, processing what he said. I blinked, and that was when I finally worked my jaw.
“What?”
I didn’t expect this at all. This was my first customer— he was someone who actually enjoyed my cooking. He wasn’t anyone I knew. He was a complete stranger to me. Sure, I’d heard rumors about him before, but that didn’t really mean anything.
He wasn’t a friend like Noele, Nolan, Nicole, or Garron. He wasn’t an otherworlder like Xakor. He was literally someone who only knew of me as an adventurer. And he actually thought my cooking was good. He might have attributed that fact to Xakor, but his response had been a major success in my book.
However, now he wasn’t going to pay for his food. Instead, he was asking to… work for me? I narrowed my eyes as he sheepishly scratched his cheek.
“It’s literally only twenty-five copper coins,” I said as I proffered an expectant hand. “And I can’t even afford to give you a living wage, anyways. Just pay up and don’t fuss about it.”
“You don’t even have to pay me.” The man shook his head, before giving me a pleading look. “I… if you just give me food and shelter, I’ll work for you for free.”
That sounded like a tempting offer. I had been wondering about how I’d staff my restaurant before things took off— Xakor had already funded the building itself, and I was paying for the ingredients. But I couldn’t exactly hire an employee until business was booming. So I had thought I’d be forced to manage everything on my own… maybe with a little bit of Bucky’s help. However, if I hired this man…
I looked him up and down. I saw his ragged clothing— I stared at the bags under his eyes. I remembered all the bad things I’d heard about him so far. I just sighed.
“I literally don’t even know your name, and I haven’t heard anything good about you. Sorry, but I don’t think this will work out.”
He pursed his lips. He shifted in his seat as Bucky eyed him curiously. I didn’t know what his reasoning was for offering me free labor, but I wasn’t going to accept it. Not when I didn’t even know about his qualifications or background.
He got to his feet after a moment’s deliberation and held my gaze.
“Harlan,” he said. “My name’s Harlan. I’m a former guardsman— I come from Whiteridge, and I’m a [Warrior].”
I quirked a brow. I wasn’t exactly prompting him to explain his whole backstory to me. But I just gave him a flat stare.
“Alright, Harlan. Why exactly would I need to hire a former city guard for my restaurant?” I asked, waving a hand dismissively. “I can handle any thugs or monsters myself.”
“It…” Harlan hesitated for a moment. But he still insisted after steeling himself. “It doesn’t have to be a guardsman job. I could work as a server— I could take orders and serve food for you!” he exclaimed like he was trying to convince himself of his words as much as he was trying to convince me of them.
I shook my head. “You have literally no history in the service industry. And pretty much half of Wolfwater hates you. Again— why should I hire you?”
“T-that’s because I’m… a hard worker?” he said as his lips twisted. He looked at me hopefully, but I just rolled my eyes back at him. Even Bucky gave him a judging look.
Harlan bit his lower lip. He glanced between the both of us. The chicken’s gaze made him shrink back slightly, and he tried to muster up a response. But he couldn’t work his jaw. His shoulders slumped as he finally sighed.
“You’re right.” He lowered his head, clenching his teeth. “I’m… not even cut out to be a server. I don’t even have a Class for it.”
He spoke softly, and I paused. I blinked a few times, staring at the former guardsman. He chuckled bitterly.
“I’m only a [Spearman]— a low-leveled [Spearman] at that. I can’t even become an adventurer if I wanted to. I’m too weak. I’d die in under a year. I am… I am just a guard— that’s all I’ll be. I never should’ve left Whiteridge.”
Harlan dug into his pocket and slapped a bag of coins onto the table. He drew back as I slowly picked up his payment, watching him go. He held his head low, his lips creased. He dragged his feet behind him as he slowly walked towards the exit. I looked on as Bucky glanced back at me. She clucked, and I closed my eyes.
I thought about what he said— I looked back on what I just did. I had rejected Harlan because… he didn’t have the right Class. Or rather, was it because he wasn’t exactly qualified for the job? At least, that was my excuse.
But serving tables wasn’t a hard job. It was quite easy to learn. Work experience meant nothing when it was something that literally anyone could learn over the span of a day. It just felt… like I was treating him the same way others treated me. And I felt a pang of guilt.
Sure, I had heard bad things about him, and maybe that gave me all the more reason to turn him down. However, right now all I saw was a man at the end of his rope. Maybe he had made a few mistakes over the last few weeks. But that didn’t mean I shouldn’t at least give him a chance.
“Fine,” I called out. Harlan halted right by the doorway. He blinked, glancing back at me, and I tossed his bag of coins at him.
“Wha—” It smacked his face, and I snorted.
“That’s some slow reaction time for a [Warrior]…”
He quickly scrambled to pick up the bag of coins up from the ground as I walked up to him. Bucky followed, and he looked up at me, bent double with round eyes.
Wait, what do you mean by that? Why are you—” he started.
And I cut him off, “I’ll give you a job. But I’m not going to let you work for free, and if you’re a shit worker, I’ll fire you in under a week.”
Harlan just blinked. He gaped at me, clutching the bag of coins tightly against his chest. His mouth bobbed open.
“But I’m… just a guard. I’m a [Warrior]— I can’t even…” he trailed off.
“Anyone with half a brain is capable of taking a couple orders,” I said, and Bucky clucked in agreement. “And I doubt you’ll have any trouble serving trays to tables either.”
Harlan still wore an apprehensive look on his face. He averted his gaze, tempted by my offer, but not fully persuaded. I sighed, crouching down as I looked into his eyes.
“Look, your Class doesn’t define you. Why does it matter that you’re a [Warrior]? You don’t enjoy fighting, do you? That’s why you quit being a guardsman, right?”
“I…” He hesitated. Slowly, he shook his head. “I do not.”
“So why should you be forced to do something you hate just because the System says so?” I asked, holding his gaze.
Harlan chewed his lips. Bucky tilted her head. That was… probably blasphemy. Or maybe not. Other than Grat-ra’zun, I didn’t really think that most of the people of this world held the System in reverence. They— most of them, at the very least— just saw it as a fact of life. No different than the laws of physics back on Earth.
He rose to his feet as he looked down at the palm of his hand. He clenched a fist, nodding to himself.
“You’re… right,” Harlan whispered. “I don’t want to be a guard anymore. I’m tired of fighting— I’m tired of risking my life for the sake of others. It’s just serving tables, right? I… can do this.”
His words almost seemed familiar to me. Even though I barely knew this man, he reminded me of… well, myself. Someone who was lost and trying to find themself. Someone who was tired of what they were doing, and was now searching for something new.
He was someone who didn’t fit in. He was someone who tired of the stakes and danger of battle. He came to Wolfwater for a simple reason— to escape from it all and live a simple life. And while he might have squandered the few opportunities he had been given since arriving here, I was still going to give him at least one chance.
A smile slipped onto my face as I gave Harlan a nod of affirmation. “Yeah, it’s easy enough. Although… since I’ll be giving you lodging too, you won’t just be serving tables. I was thinking of giving you a more general job description.”
“What do you mean by that?” He looked up at me with a quizzical look.
“Your first job is simple,” I said, patting him on the shoulder. “Go and get me some customers.”
He paused. He glanced between me and the window, blinking a few times. “How am I supposed to do that?”
I shrugged casually. “I dunno, figure it out.”
And that was how I got my first employee.
—--
Guardian Angel Z357 swept his gaze over the vast room. He heard the shouts and screams. He saw the flying spells, but he descended, unaffected by their attacks. Phase Shift. It was a powerful Technique that allowed him to maintain a visible but incorporeal form— unneeded against such weak attacks. But the only alternative would be to slaughter his assailants.
And there were hundreds of them. Guardian Angel Z357 landed amidst the swarm of nagas as they hurled their magic his way. His form was translucent, but their spells passed through him like he wasn’t even there. His twelve eyes landed on the [Shaman] standing in the center of this tent. She was a naga too, but with a longer tail than the others. She slithered forward and raised a staff as a purple aura coalesced beneath her.
“Kill it, ya daft idiots!” she screamed.
Guardian Angel Z357 zipped straight ahead, but a pair of twisted tendrils shot out, grabbing him out of the air. He paused for a brief moment, mostly out of curiosity, watching as these void apparitions clung onto him despite his incorporeal form.
And the [Shaman] panted, grinning. “I got ya now! This is why you don’t mess with us, ya slimy bastard!”
As she raised her staff once more, Guardian Angel Z357 simply tore through the bindings. She blinked, and he grabbed her, before shooting up into the sky. He tore through the tent ceiling as the nagas screamed down below.
“That thin’ has got ta chief!”
“Ain’t someone gonna stop it?”
“We can’t hurt tha fucking—”
Their voices faded away, and he came to a halt high above the clouds. He held her up as she squirmed, her tail thrashing beneath her, and her two arms clinging onto his metallic hand. She stared at him with wide eyes, and he transmitted his thoughts simply, asking the same questions he had asked his previous target.
And the response he got from the naga was no different. “I swear I don’t know what you’re talking about!”
His twelve eyes narrowed, and he began his interrogation.
[In Progress: (2/3) Void-touched Individuals Interrogated!]
Twice now, Guardian Angel Z357 had interrogated a Void-touched individual. And both times, he learned nothing. Despite his interrogation Techniques— even when magically compelled to speak— they revealed no new information to him. It was evident to him that either this method of interrogation was lacking, or maybe the denizens of Planet 16B were more clueless than he had assumed.
Even with the World System’s guidance, it seemed that he was not likely going to be making any progress towards finding the source of the return of the Fal-Deus anytime soon. There had to be at least a single anchor located somewhere that he needed to eradicate. If not one, then multiple. Otherwise, there was no reason for Guardian Angel Z357 to have been awakened.
He dropped the charred corpse of the naga before sweeping his gaze to the horizon. He saw the rising sun. And he saw this vast land mass beneath him. It was Alius— the continent of dwarves, gnomes, nagas, fairies, and more. So far, he had discovered nothing of use while exploring this part of Planet 16B. The closest he had come to learning more about this threat was in Laxo.
But Guardian Angel Z357’s programming had brought him here. His current objective was to interrogate those who were Void-touched, and he had detected the usage of their powers most frequently in Alius. However, it had borne no fruit. So it would be the intelligent course of action to pursue his investigation in Laxo.
For a moment, he was conflicted. He would be defying the World System’s guidance. And that nearly made him malfunction. But logic and reasoning won out as he concluded that the World System’s guidance was just that— guidance.
It was not infallible. His presence was better suited elsewhere, pursuing leads that would better serve his main directive. And so, Guardian Angel Z357 made his decision and returned to Laxo.
​

Author's Notes:
And we're back! Sorry for the impromptu break. Burnout got to me real bad last week.
Also, the fanart/fanfic contest is ending in about two hours' time! So if you're seeing this right as the chapter was posted, you can still make your submissions now!
AmeliaTLZHNovel
The Deltaverse Discord
You can read up to 15 chapters ahead on my patreon here!
Join my discord and subscribe to my subreddit!
Or follow me on twitter!

Read Previous Read Next Read Chapter 1 Here Patreon Discord Twitter AmeliaTLZHNovel

The takeover of the ailing Credit Suisse bank by UBS boosted European equity markets on March 20, but not everyone is happy with the deal. According to the Swiss Financial Market Supervisory Authority, the value of additional tier-one (AT1) bonds will be written to zero, which will wipe out $17 billion worth of investments for AT1 bond investors.
Among the turmoil in the global banking sector, Bitcoin (BTC) has shone brightly, as traders seem to have shifted their focus to the alternative available to the legacy banking system. Another thing working in favor of Bitcoin is that it has decoupled from the United States equities markets and is behaving as an uncorrelated asset class.
Bitcoin’s solid rally in the past few days has boosted trader sentiment. The Crypto Fear and Greed Index has soared into the greed zone with a score of 66/100. The next trigger for the markets will be the rate hike decision by the Federal Reserve on March 22.
Could Bitcoin reach $30,000 and pull altcoins higher, or is a correction likely in the near term? Let’s study the charts to find out.

S&P 500 index price analysis

The S&P 500 index (SPX) rallied from 3,808 on March 13 and rose above the 200-day simple moving average, or SMA (3,935), on March 16, but the bulls could not clear the hurdle at the 20-day exponential moving average, or EMA (3,962).
A positive sign is that the bulls purchased the dip below the 200-day SMA and are again attempting to overcome the obstacle at the 20-day EMA. If they succeed, the index could rally to 4,100 and then to 4,200.
The bears are likely to have other plans. They will try to halt the recovery at the 20-day EMA and sink the price back toward the support zone between 3,800 and 3,764. If this zone gives way, the selling could intensify, and the index may plummet toward 3,600.
Also Read : GameFi project Gala files $28M lawsuit against pNetwork

U.S. Dollar Index price analysis

The U.S. Dollar Index (DXY) has been trading near the 20-day EMA (104) for the past few days, indicating indecision among the bulls and the bears.
If bears sustain the price below 103.44, the index may slip to the next support at 102.50. Buyers will try to defend this level, but if they fail in their endeavor, the index could tumble to the vital support at 100.82.
Alternatively, if the price turns up and breaks above 105.10, it will clear the path for a possible rally to the 200-day SMA (106). The bulls may encounter strong selling in the resistance zone between the 200-day SMA and the 61.8% Fibonacci retracement level of 108.43.

Bitcoin price analysis

Bitcoin (BTC) has been holding above the breakout level of $25,250 since March 17, which is a positive sign. After a one-day correction on March 18, the price continued its northward march on March 19, indicating that the bulls are in no mood to book profits.
The rising 20-day EMA ($24,463) and the relative strength index, or RSI, near the overbought territory indicate that bulls remain in control. The next major resistance is in the zone between $30,000 to $32,500.
If the price turns down from the current level or the overhead resistance, the key level to watch out for is $25,250. If the price rebounds off this level with strength, it will suggest that bulls have flipped $25,250 into support. The level will thereafter act as a floor during future declines.

Ether price analysis

Buyers pushed Ether (ETH) above the $1,800 resistance on March 18 and 19 but could not sustain the higher levels. This shows that bears are trying to stall the recovery.
Read More The Spuzz.com

1. If you tried to install the Agent before, follow this uninstallation process:

1. Download the script that I have attached and make sure it is in your Mac's "Downloads" directory.
   
2. On the Terminal, run: sudo sh /Users/{User's name}/Downloads/kaseyaUninstall.sh
   
3. Go to the "Library" directory and remove the "Kaseya" folder: cd /Library sudo rm -rf Kaseya/
   
4. Then we clean up the kaseyad.ini and kaseyad.bak file: cd /Library/Preferences sudo rm kaseyad.ini sudo rm kaseyad.bak
   

2. Installation of Rosetta:

1. From the Terminal, execute: sudo softwareupdate --install-rosetta

3. Agent Package Review & Installation:

Create a new package following the instructions below:

1. Create a new agent package for Mac and make sure to give it the applicable "Local Administrator" credentials
   
2. Specify the "/r" & "/w" install options and disable the "/e" option like so: (Group ID is based on the agent's specifications)
   
3. Attempt to install the new package on the Mac.
   

It's not always on the looks that you'll fall for a person. You'll also fall for his/her personality. I learned that I value a person's character rather than his/her personal appearance. You can have the prettiest face in the world, but if you're trash inside, that all means sh*t. Now I view my crush at school differently because of her. I'm seeing this person the 2nd time this weekend, and it's the first time I feel excited for a 2nd meet. To the person that I met last week, thank you for giving me this realization.
P.S. If you're reading this, I fell for you during our date :">

I've found these two studies by Kim P. C. Kuypers, that claim that

A retrospective survey study reported that using classic psychedelics in low, repeated doses, so called microdosing (MD), was rated as being more effective than conventional treatments for ADHD.

They're published in Neuroscience Applied (Microdosing with psychedelics to self-medicate for ADHD symptoms in adults: A prospective naturalistic study, 2022), and a 2019 version in Frontiers in Psychiatry (Self-Rated Effectiveness of Microdosing With Psychedelics for Mental and Physical Health Problems Among Microdosers). From the 2022 study again,

the majority indicated that they used psilocybin/psilocin (magic mushrooms, truffles) (78%), followed by novel lysergamides (e.g., 1P-LSD, ALD-52) (12%), LSD (9.5%)

Of course, there was selection bias, and no control group:

Due to lacking a placebo-control group, the design could not test whether the MD group behaved differently than a group receiving a placebo. In the current study, participants were recruited via a MD website and respondents had the intention to microdose to self-treat their ADHD symptoms. It can only be expected that individuals who choose MD as self-treatment are positively oriented towards the practice of MD, which might enhance a potential placebo effect

Anyway, interesting study, but I don't understand how the participants tried to improve their ADHD issues specifically. Or did they just microdose and hope for the best? Why wouldn'y microdosing improve other symptoms, like depression or anxiety? Or is it claimed to improve everything?
This layman's article on the 2022 study, called Microdosing for ADHD doesn't explain that either.

Hi, I am non-AU citizen, but here on working visa. I am working on getting my PR. I am 24F and earns (gross) $97.6K p.a. But this also means I am taxed around 32.888% of my wages (around $5.5k per month, or 65.6K p.a net). I am genuinely not sure if this is a lot or not for Australian standard (it’s my first job, I’m so sorry if this sounds stupid but I am not confident talking about money with others because my culture finds it as taboo)
I managed to save around 28k in 2022 (I am paying my own rent in CBD and utilities which amount to 2.4K per month). I eat out at times with friend but I don’t drink (which I think tastes horrible and expensive) and I mostly cook at home.
I don’t really count to a T but I think I save up around 1.8-2K a month? I was also given 30k from my parents a few years ago when I finished my postgraduate, so I have around 58K in my savings atm. Tbh I don’t wish to touch that money and wanna return it in a year or two. But figured I will “borrow” it for investment and return it once I make profit (fingers crossed)
I am looking to put my money in term deposit with high interest ( like Great Southern Bank — used to be CUA). But I wonder if people in this subreddit can help me figure out how to maximise my savings so I could buy a home by 30 😅. I heard stock market and those bitcoins are not in a good shape atm. So please help!
Thank you in advance!!