Grocery delivery northampton ma

Debit card skimmed

2023.03.22 06:59 bellai682 Debit card skimmed

Hey all!
I had a notification overnight that my debit card had been used to purchase groceries for a merchant I dont use. Its a grocery delivery service.
Now that ive disputed the transaction, will the bank investigate into the delivery details further? I dont understand these scams where they purchase something to be delivered - doesnt that "out" the scammer? Or is it more a test to see if i notice the transaction?
I would love your insight - thank you! 🙂
submitted by bellai682 to Scams [link] [comments]


2023.03.22 06:37 AdGlum256 Weird😵‍💫

So I accepted a batch earlier. $27.92 22/32 going 3.1 miles. I get to the start, click on start shopping and the screen immediately goes to the twirling carrots.
Me thinking, shot I’m gonna lose this batch. It finishes the twirly thing and the batch is still mine, but now it’s 11/22. I figure the customer cancelled half his items and the pay/tip is gonna go down. Whatever.
I shop the order, super nice elderly man in an assisted living community. Get to delivery, got lost tryna find his room. I guess they make those places like mazes, with a lot of locked doors, so they residents can’t get out and wander off.
Finally find him, give him his groceries and as I’m walking away, I complete delivery and I got paid the full amount. He increased his already good tip, up a few bucks, to an even $25 shortly after I left.
Definitely never had that happen before🤔
submitted by AdGlum256 to InstacartShoppers [link] [comments]


2023.03.22 05:36 Sorceress683 What's the weirdest substitute you've been given for your grocery delivery order?

submitted by Sorceress683 to AskReddit [link] [comments]


2023.03.22 03:05 kameymall Buy Chinese Goods-The Ultimate Guide For KameyMall-Agent Shopping

Buy Chinese Goods-The Ultimate Guide For KameyMall-Agent Shopping

The Ultimate Guide For KameyMall-Agent Shopping

As you know, shopping is a universal activity, and people shop online on thousands of websites every month. With this in mind, we have created detailed guidance for you all to shop via KameyMall-Agent.
It's a step-by-step walkthrough that will show you how to use the best features of the site. There are great tips and tricks that can help you quickly find items on KameyMall-Agent. In addition, I've also included how to save money by using the KameyMall-Agent membership alliance.

What Is KameyMall-Agent?

Before talking about the KameyMall-Agent shopping guide, we can get to know about KameyMall-Agent. It is a global online shopping community for online shopping bargain hunters. It is committed to providing the best Chinese products at cheap prices and good quality.
Actually, KameyMall-Agent is a middleman but not a seller. It is called 3rd party merchant that provides an opportunity for shoppers outside China to easily buy Chinese goods from major Chinese shopping sites.
If you doing shopping at KameyMall-Agent, and the first experience, you will understand the sense of unfamiliarity and anxiety. However, we believe that such anxiety could be largely eased by following our comprehensive shopping guide for Chinese goods.

KAMEYMALL-AGENT SIGN UP HERE FOR AN INDEFINITE $10 COUPON

Signing Up + Membership Bonus

Sign up here for $10 off your total price: https://www.kameymall.com/login?loginType=1
There is no better way to begin your Chinese grocery shopping than to become a member of KameyMall-Agent before you begin. To become a member, you will need to click the “Join Us” button at the top of the main page. Or you can simply enter our website address: https://www.kameymall.com/login?loginType=1
In order to simplify the registration process for you, you will be able to use either your Google account or your Facebook account to sign up.
It's good to know that once you successfully register for the membership with us, you will be eligible to join our membership club, called KameyMall-Agent Promotion Alliance, which enables you to promote our products and services.
In our alliance, there are many outstanding benefits of becoming a promoter. One of them is that you will receive a membership bonus, followed by generating your unique QR code or personal invitation link that can be shared with your fellow associates and thus gain their attention to join and shop at KameyMall-Agent.
Your new member will be considered as your associated user once you have invited them to become a member. The more users you invite, the greater the bonus you will get, which can be used to get good shopping discounts for your future shopping with us.

KameyMall-Agent Illustrated Buying Process

Getting the shopping journey started with KameyMall-Agent is the most important step after becoming a member. You may find this process challenging if it is your first time buying something from us. Be assured that we break down the whole process by specific steps so that you won't get lost.
Step 1 - You can access KameyMall-Agent by going to http://www.kameymall.com/ and clicking on the "KameyMall-Agent" button on the very right of the navigation bar.

Step 2 - Please search on popular Chinese shopping sites (Taobao, Tmall, Jingdong, and 1688) for the product you are looking for with our handy product searching function, and copy and paste the link to the product onto our search bar.
Alternatively, if you know the keyword of the item you wish to buy, you may type the word into our search bar in either Chinese or English.

https://preview.redd.it/nee3hbz457pa1.png?width=554&format=png&auto=webp&s=17eed47bbcfe26d5729ef0db2500c7f7088e9b00
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Step 3 - You will then be directed to the KameyMall-Agent site where you will be directed to a specific product page. In the module of product specification, we translate the colors and sizes for you.
All you have to do is select a size that fits your body and the color that you prefer. After you have selected your preferences, you can either “Add to Cart” or “Buy Now.”

https://preview.redd.it/3xh9l4e857pa1.png?width=554&format=png&auto=webp&s=ffd262a046344a349424958f344f1f2f3945f6c5

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Step 4 - You will be taken to the order page after clicking on the "Buy Now" button. On this page, you will be able to choose the country of destination from a list of countries, then click on the "submit" button in order to be taken to the payment screen so that the purchase can be completed.

https://preview.redd.it/0d7dqaxb57pa1.png?width=554&format=png&auto=webp&s=7666103705701fa9251154ba4de5157b5d5bbce9
On this page, more importantly, you can, for instance, choose whether you want your items' packages open for inspection. Also, you can choose whether to keep the original package or de-box it.
Please note: Those two options are free and defaulted by us. If you don't want one, just untick it.

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Step 5 – As soon as you click "Place Order", you will be redirected to the payment page where you will be required to enter your delivery address for parcel shipments.
The payment page enables you to see that the payment must be made within an hour of placing your order. Your order will then be canceled automatically if you do not complete the payment within the required time.
Also, it is straightforward to see the breakdown of your total price with item price and handling fees.
As you might have noticed, we have set multiple payment methods for you to choose from so that you can choose the one that best suits your situation, including PayPal, Credit Cards, and Alipay, which enables you to make quick purchases.

https://preview.redd.it/nmwdaboh57pa1.png?width=554&format=png&auto=webp&s=3c0455e8f2dcf0223f0a0e683c013d9eee403627
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Step 6 – In the next step, you will be taken to a sign-in page for PayPal by clicking “Pay Now”, if you choose PayPal as your preferred payment method. You will need to log in with your PayPal account in order to finish the transaction.

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Step 7 – When you have finished making your payment, you will be sent to the 'My Order' section of the 'KameyMall-Agent' menu. Here, you will be able to view the payment status of each of the orders that you have made in the KameyMall.
You may also view the specifics of your order on this page, and if you find that you require a refund for any reason, you can pick the option to "Apply for Refund."

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Step 8 – When you have finished making your payment, you will need to wait for the things that you have paid for to be delivered to our warehouse. It usually takes anything from three to ten days. Hence, at this period, you should not be confused and should become familiar with other functions that have been set up on our website.
Step 9 – Your order has been received and is currently being inspected. You can examine this item by going to "My Warehouse" and then clicking on the "View Inspection" button that is located on the right-hand side of the page. This will allow you to view the photographs that we have taken of the real products.

https://preview.redd.it/oauu0f0r57pa1.png?width=554&format=png&auto=webp&s=991a48df3514d1d3b920867a41e7e1ae8b31bd49
Step 10 – If you have determined that the item meets your expectations, you may proceed to "My Package" to finalize the payment of the associated shipping price. Here, you will also be able to view the total cost that you will incur to ship this international package.

https://preview.redd.it/hzddccps57pa1.png?width=554&format=png&auto=webp&s=f57132d875a444d742776bd212a86a2ee25599f0
Step 11 – Upon the successful completion of the payment for an overseas package and the carrier's collection of your parcel, a tracking number will be produced for you and made available on "My Package." After clicking on "Express Order Number," you will be sent to the following website, which will allow you to track your package and provide you with information on its current location.

https://preview.redd.it/d7h752gu57pa1.png?width=554&format=png&auto=webp&s=37f596a051f8b197192ae0cd1c603b4ba4a2c76e
https://preview.redd.it/mlevywov57pa1.png?width=554&format=png&auto=webp&s=f91b05063be98ee6e6048d4bdf9dc37c8bdf61cf

Frequently Asked Questions

While shopping at KameyMall-Agent is hassle-free, there are still some things you might be confused about.

Shipping, Declaring, & Avoiding Customs Tax

If you have chosen to use an agent, then you will need to learn how to declare your packages when it is time to ship. You have already been shown the process of buying with an agent, now it is time to learn a little more about the details around shipping.
Each country has a different set of rules when it comes to importing reps. Some are strict (Germany), and some don’t care at all (USA). When shipping reps, there is always a risk of seizure. That is part of the game and is heavily dependent on where you live.
If you need help declaring your packages, feel free to reach out to friendly folks at https://www.reddit.com/kameymall/ . We are the logistics experts. There cannot be a guide for every country, but it is strongly advised that you go to Google and type in "[Your country] customs fashionreps".

Q: How to save on my shipment fees?

It is normal for shipping fees to cost a fortune during international shipping, so we have prepared some useful shipping tips that will help you settle down your concerns.
Upon receiving all of the items in our warehouse, you will have to request that they be consolidated. To put it simply, you pay a small amount to have them packaged up, weigh, and measure them. So we can then input these values into the shipping calculator in one go to minimize the total cost of your shipment.
In addition, for the stuff that is not urgent, you may think about using ship freight instead of air freight, which can also reduce your cost to the most extent.

Q: How to accelerate my delivery?

There is no doubt that waiting for your favorite stuff to arrive at your door can be extremely frustrating. However, you should keep in mind that this is how international logistics work. The efficiency of the process could be greatly impacted by many factors, such as the weather, the peak season, etc.
It is only a matter of relaxing and being patient. If necessary, you can also check the logistic status of your parcels in "My Package" located under the "Personal Center" if you wish to stay proactive.

https://preview.redd.it/bfkfiei067pa1.png?width=554&format=png&auto=webp&s=59ff67dee525fb6c25644ab4dbc991f670b9dcb5

Q: How long should I wait?

There can be various waiting times due to a variety of factors, including the courier company you choose, the shipping methods you use, or the destination you designate. Here is a list of all the waiting times for different regions.

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Whenever you are experiencing any delay in receiving your parcels, it is a very likely situation that you have not received them for a long period of time. We encourage you to get in touch with our customer service team. We are more than happy to help you communicate with the courier company on your behalf.

Q: Why there are no updates about my parcel after paying the freight?

In spite of the fact that you may have purchased your parcel today, it will not be collected by a courier company by tomorrow. It takes time for the company to physically bundle up your parcels, allocate a tracking number and arrange for them to be shipped out.
Usually, it takes 2 to 3 business days for your packages to be updated with the tracking number activating and the shipping status to be updated.

Unique Features of KameyMall’agent

This is why KameyMall-Agent stands out from other agents with the unique features they're developing for the community to use. Here are some of my favorite features that will make your experience better than any other.
Original Link Direct
As part of KameyMall-Agent, we have compiled a comprehensive list of the most popular items available on Chinese shopping sites and put them under the heading "Popular Recommendations" on the home page of the website.
There is a wide range of popular products available at KameyMall-Agent, and if any of them interest you, we will direct you to its product page at KameyMall-Agent.

https://preview.redd.it/d6vpe1ng67pa1.png?width=554&format=png&auto=webp&s=2a32ed699ea03126d5455721a1d742ea1bde0258
In this way, you are able to gain more knowledge about the product that you are interested in buying. You can use the "Link Direct" function on the left side of the page under the image of the product that you are interested in.
As a result of this function, you will be directed to the original product page on Chinese websites, where you will be able to browse more specific information about this item and allow you to make an informed decision before making a purchase.
Ÿ Additional Service Options On the Payment Page
If you proceed to the payment page, you will notice that there are additional service options about how you want us to handle your items when they arrive.
Depending on your preference, you can select whether you'd like to process your order in a quick and instant manner as well as you'd like to have your items checked within 3 hours of receiving them from the seller.
Please feel free to leave us a message in the blank box below if you have any other requirements other than those listed above.
Please note: Keep in mind that there are additional charges associated with both of those options.

https://preview.redd.it/wjn374gj67pa1.png?width=554&format=png&auto=webp&s=29a72aa89bfca5b606ccb381c1d584826c82f0d5
Latest Price Update
As you can see, Kamey Mall-agent has another feature, which is the ability to manually update the price of a specific item.
As we know, China has plenty of shopping carnivals on the internet, for example, Doub Eleven, Double Twelve, 6.18, etc. Almost all of the prices of products on these platforms will be cheaper than usual, which may result in a price difference between now and then.
Thus, if you are worried that you might miss out on huge discounts, just click on "Get The Latest Price" under the price section on the product page so that you will not miss out on them!

https://preview.redd.it/ha3eegcn67pa1.png?width=554&format=png&auto=webp&s=f07311e53e6103d8b954ff390b1337465552c74c

Join And Become One Of Us Now!

Shopping made easy! You have learned how to shop online with KameyMall-Agent shopping. We are the best international online shopping mall, and you can find all your favorite products here.
After joining the KameyMall-Agent community, you will gain a lot of opportunities to enjoy heaps of unique membership advantages, not limited to membership bonuses, considerate customer service, and cheap Chinese goods.
Do not make yourself miss out on any chances of taking advantage of KameyMall-Agent, and you deserve to have as many benefits as possible from us!
submitted by kameymall to Repsneakers [link] [comments]


2023.03.22 02:32 cupidity- 32[f4r] NKY + online anywhere when i'd rather be picking out cat names vs child names, i realized.. my biological clock doesn't tick, it purrs ♡

i once fell down a flight of concrete stairs in front of a grocery delivery person & bleeding + bruised, I stood up & said "are you okay!?" to her. that about sums me up, i'm awkward, snarky, a bit weird but i love wholeheartedly - - i will say that it takes a bit for me to open up (like most people these days), so please don't give up on me.
lists are my thaaaaaaang, so i'll just sprout off some random crap about me.
TLDR: weirdo looks for new gaming pal + someone to send texts to during the day, when she isn't napping. will send cat pics in return for music recs + book recs. will exchange selfies if you want, but doesn't mind not sending them too! come hang out with meeee & lemme platonically love you
submitted by cupidity- to r4r [link] [comments]


2023.03.22 02:31 cupidity- [32/F] lost in translation

i once fell down a flight of concrete stairs in front of a grocery delivery person & bleeding + bruised, I stood up & said "are you okay!?" to her. that about sums me up, i'm awkward, snarky, a bit weird but i love wholeheartedly - - i will say that it takes a bit for me to open up (like most people these days), so please don't give up on me.
lists are my thaaaaaaang, so i'll just sprout off some random crap about me.
TLDR: weirdo looks for new gaming pal + someone to send texts to during the day, when she isn't napping. will send cat pics in return for music recs + book recs. will exchange selfies if you want, but doesn't mind not sending them too! come hang out with meeee & lemme platonically love you
submitted by cupidity- to MeetNewPeopleHere [link] [comments]


2023.03.22 02:30 cupidity- 32[f4r] when i'd rather be picking out cat names vs child names, i realized.. my biological clock doesn't tick, it purrs ♡

i once fell down a flight of concrete stairs in front of a grocery delivery person & bleeding + bruised, I stood up & said "are you okay!?" to her. that about sums me up, i'm awkward, snarky, a bit weird but i love wholeheartedly - - i will say that it takes a bit for me to open up (like most people these days), so please don't give up on me.
lists are my thaaaaaaang, so i'll just sprout off some random crap about me.
TLDR: weirdo looks for new gaming pal + someone to send texts to during the day, when she isn't napping. will send cat pics in return for music recs + book recs. will exchange selfies if you want, but doesn't mind not sending them too! come hang out with meeee & lemme platonically love you
submitted by cupidity- to R4R30Plus [link] [comments]


2023.03.22 02:30 harryprk2x Got my delivery date exactly two weeks from order. Super stoked for my 23 RWD🥹

Got my delivery date exactly two weeks from order. Super stoked for my 23 RWD🥹 submitted by harryprk2x to TeslaModel3 [link] [comments]


2023.03.22 02:30 cupidity- when i'd rather be picking out cat names vs child names, i realized.. my biological clock doesn't tick, it purrs ♡ 32F. [FRIENDSHIP]

i once fell down a flight of concrete stairs in front of a grocery delivery person & bleeding + bruised, I stood up & said "are you okay!?" to her. that about sums me up, i'm awkward, snarky, a bit weird but i love wholeheartedly - - i will say that it takes a bit for me to open up (like most people these days), so please don't give up on me.
lists are my thaaaaaaang, so i'll just sprout off some random crap about me.
TLDR: weirdo looks for new gaming pal + someone to send texts to during the day, when she isn't napping. will send cat pics in return for music recs + book recs. will exchange selfies if you want, but doesn't mind not sending them too! come hang out with meeee & lemme platonically love you
submitted by cupidity- to MeetPeople [link] [comments]


2023.03.22 02:29 cupidity- when i'd rather be picking out cat names vs child names, i realized.. my biological clock doesn't tick, it purrs ♡ 32F.

i once fell down a flight of concrete stairs in front of a grocery delivery person & bleeding + bruised, I stood up & said "are you okay!?" to her. that about sums me up, i'm awkward, snarky, a bit weird but i love wholeheartedly - - i will say that it takes a bit for me to open up (like most people these days), so please don't give up on me.
lists are my thaaaaaaang, so i'll just sprout off some random crap about me.
TLDR: weirdo looks for new gaming pal + someone to send texts to during the day, when she isn't napping. will send cat pics in return for music recs + book recs. will exchange selfies if you want, but doesn't mind not sending them too! come hang out with meeee & lemme platonically love you
submitted by cupidity- to MakeNewFriendsHere [link] [comments]


2023.03.22 02:19 youthreach Hey guys. It happed again yesterday. After the second attempt to be shipped. Yesterday I get this message in tracking. Huizhou City, returned to the proper investment 2023-03-21 10:34 At this stage I honestly have no idea what to do. First time in years since I’ve experienced this.

Hey guys. It happed again yesterday. After the second attempt to be shipped. Yesterday I get this message in tracking. Huizhou City, returned to the proper investment 2023-03-21 10:34 At this stage I honestly have no idea what to do. First time in years since I’ve experienced this. submitted by youthreach to Superbuy [link] [comments]


2023.03.22 02:16 geepytee Building a GPT-powered RPA tool

Hey /rpa,
A couple of months ago I started playing with the idea of a GPT-based RPA tool. After trying the GPT-3 API a couple of years back, I immediately realized it could be used to automate a lot of the manual tasks in my business I was using VAs for. For context, I used to run a grocery delivery service, and spent a non-trivial $ amount in overseas VAs to classify our inventory, match our catalogue to vendors' catalogues, and place orders plus create transfer requests for my team to receive said orders.
I recently published this tool and it's live at usedouble.com. Also it's free to use.
Currently it's in what I call 'Read-only' mode. Meaning it can do things like scrape websites, search Google in bulk, and parse and contextualize results and the information extracted using a GPT model. This is great for answer questions and having shared it with some VAs and SDRs, they've been pretty shocked at how effective this tool is.
Of course this isn't true RPA, and this is only the beginning. Next steps is to figure out how to make it take actions, using GPT for navigation. Thought I'd share and would love to hear your feedback.
submitted by geepytee to rpa [link] [comments]


2023.03.22 01:59 Imhardkore1 Sloppy af, but it was sealed to perfection.

Sloppy af, but it was sealed to perfection. submitted by Imhardkore1 to HotWheels [link] [comments]


2023.03.22 01:41 scfclsb got denied for grocery & gourmet foods category.

Hi. I found a distributor selling a certain brand of coffee at a good price and ordered a large number of units. The brand itself is not gated, but the coffee is considered "food" so I needed to provide an invoice from my distributor in order to get approved to sell in "grocery and gourmet foods" category.
So I provided the invoice which complies with all the invoice requirements listed, but I got an email from Amazon saying they have not approved me.
The denial reason listed was: "We were not able to verify the supplier information listed on the invoice provided. Make sure all supplier information is accurate and up to date, and that you only source from reliable suppliers."
And they are requesting the following: "Copies of invoices, receipts, contracts, delivery orders or authorization letters from your supplier's supplier issued in the last 365 days. -- If you are not the brand owner, provide an authorization letter and a complete set of documentation to prove a valid supply chain."
The problem is, I asked my distributor if he can get me copies of these documents from HIS distributor, but he said that he cannot. Which I can't really blame him for many reasons.
And about the authorization letter they are requesting, this coffee brand is a very large corporation and I doubt they will agree to give me an "authorization letter". There are already multiple other sellers on Amazon selling this brand, and I highly doubt they all got an authorization letter from the brand.
So right now the coffee is just sitting in my storage taking up space, and I need to figure out how to get ungated to sell grocery and gourmet foods ASAP so I can start offloading the coffee. If anyone has any advice on how I can move forward, please let me know thank you so much.
submitted by scfclsb to AmazonSeller [link] [comments]


2023.03.22 01:35 Distinct-One4006 Is this worth it??

Is this worth it?? submitted by Distinct-One4006 to IndianBeautyDeals [link] [comments]


2023.03.21 23:07 p300ern Best neighborhood for young professionals?

Hello Worcester MA! I am starting a new job in the area and will move there in the summer. My budget is ~ $2000. Just me, no pets. What are some nice/vibrant neighborhoods for working professionals?
I prefer an apartment so I can avoid shoveling snow in the winter (not ready for the long winter)
Ideal area: convenience (e.g., close to grocery stores and things to do); nightlife; sidewalks to jog around; parking; easy access to the train station to go to Boston.
Any general advice for moving to Worcester? Thank you!
edit: Just realize Worcester has many universities. Would prefer not to live in areas populated with students
submitted by p300ern to WorcesterMA [link] [comments]


2023.03.21 20:12 willwillx Any Recourse on Delivery theft?

Walmart delivery order.. groceries. Driver stole property from in front of my garage, i have video. reported it to police, who haven't done anything it seems. as no updates in 10 days.
About a $500 grill. Dude loaded it into his truck after dropping off my groceries. Is there any legal recourse against Walmart or who they used as delivery company?
submitted by willwillx to AskALawyer [link] [comments]


2023.03.21 19:59 missingmountains7 I am 33 Years old, just started a new job, and have $31,606 in Credit Card Debt

This was incredibly hard for me to write and admit., I'm sure I have forgotten important information and have errors.
DEEP IN DEBT DIARY TEMPLATE
Title: I am 33 years old, making $80,000 salary ( just started new job ) plus $21,300. Spouse ( 39 )makes $40 per hour plus $14,200, and we have $77,313 debt not including our mortgage.
SECTION ONE: Background
Job: Project Analyst ( new job ) & GIS Analyst
Industry: Finance
Location - MCOL, rural Texas
Context - I have worked for my MIL since 2015 with no benefits. My husband has worked for her since 2013 with no benefits. We were led to believe we would take over the business and have a really good secure income. Instead, we have made less than others in our same careers or near the same, but with no benefits, no paid holidays etc. We attempted to get the plan of action for us to take over starting in 2017, but were met with aggression and personality issues each time. It’s been a long mentally exhausting 5+ years. I have finally broken away.
SECTION TWO: Current Debt and Assets
Credit card debt: Total Credit Card Debt $31,606.30. Breakdown: Card 1 ($10,799.30 out of $14,500) Card 2 ( $17,002.84 out of $18,000 ) Card 3 ( $0 out $0 ) Card 4 ( $3,805 out of $5,000)
Personal loans: $0
Medical debt: $0 paid down from $18,000
Student loan debt (for what degree). $12,534.18 Bachelors in Engineering Technology. Already paid off over $15,000. His grandparents and parents paid for his undergrad; he saved up ( before we met ) and paid for his master's.
Remaining mortgage balance if you’re a homeowner. $298,000 remaining. Originally 318,000 at 4.84%. Yearly Dividends are around $3,500-$3,800.
Auto loans: Truck $19,781.71 u/2.25%, small SUV $13,390.64 @ 2.25%
Any other type of debt and how you accumulated it (e.g., payday loans, title loans). N/a
Retirement balance (and how you got there). Around $5000-$6,000 for both of us. This was from putting some into accounts we opened a few years ago.
Equity $502,000
Our first house was purchased for $82,000 in December 2010 with low interest. We sold it 2016 for $115,000 to buy our land.
To buy our land, we put some of the equity towards credit card debt and the rest towards purchasing the land for $150,000 at a 15 yr fixed rate of around 5% interest rate. We “rebuilt” our house starting Nov 2019 with a refinance and construction loan in one. We didn’t put any down, it was 90% loan to value. The house we built made the value ( once complete ) more than the loan. Currently, the estimated appraisal is around $800,000 leaving $498,000 in equity. We didn’t purchase and build in a typical way. We bought the 45 acres for 150k 4% or so15 year loan 3 years before refinancing with a construction loan. We did put down $15,000 to purchase the land originally.
Savings account balance: $200
Checking account balance: averages $4000-$5000 to cover all bills etc.
Any other assets that are applicable to you.
SECTION THREE: Income
Main Job Monthly Take Home aka Net Pay I just started my new job so I don’t know what the health insurance etc will look like. My salary is $80,000. My insurance is 80% covered. My husband makes $40/hour with no benefits besides two weeks of paid vacation.
Side Gig Monthly Take Home
We have owned a business for 10 years. It is a contract that has been $30,000 per year until this year; it is now $35,500. This is very part-time, part of the year. We have always worked on this in our free time, until 2021 when I did work it as my main job for that year and a half. We have had our real estate licenses since 2016; we didn’t make any money until 2019. It ranged from $15,000-$30,000, was in 2021. He is quitting real estate and I recently also quit.
Any Other Monthly Income Here
N/A
SECTION FOUR: Monthly Expenses
Mortgage $1676
Home insurance Annually $3,000
Property Taxes Annually $3,300
Private Health Insurance $580
Additional Retirement contribution N/A
Savings contribution N/A
Investment contribution N/A
Private School $350 plus $100 for aftercare
Trash Pickup $89/quarter
Husbands Life Insurance $51 monthly
My Life Insurance Annually $180
Debt payments We put extra money towards debt and get out of credit card debt most years, then go back into it. We paid the minimum from when I quit working full time for MIL until now.
Donations (please estimate monthly) I donate a lot; I’ve been on a minimalist journey for years and donate nearly everything. I used to also donate to St Jude's $25 a month.
Electricity averages $200-$275.
Water Averages $45-50
Sewage on a septic system
Internet $71 it will go up to $97 soon.
Cellphone $240 per quarter Mint
Subscriptions Apple TV $6.99, Apple Care $10.81, Discovery+ $6, Hulu Disney Bundle $5.39, Amazon $8 ( sister is taking over ), Netflix another sister usually pays for this,
Pet expenses Approximately $50
Car payment / insurance small SUV $317, truck $526. Yearly auto-ins. $1,000 for the truck, $600 suv
Parking/toll/gas/other transportation costs. $500-$700 we live out of town. It’s a 45-mile drive one way to go to a decent grocery store or to buy most things. Our town only has a tiny walmart ( limited options and bad produce ) and a very expensive small grocery store. He does get paid mileage but also has to have a 4x4 truck for work; although he doesn't work in the woods most days.
Regular therapy/other routine healthcare or wellness treatments. No insurance to cover it, but grandfathered in at $75 when I go. I/we used to go once or twice a month for years on and off. Our daughter did see a therapist last summer. She was $125 every two weeks for a couple of months.
Beauty/grooming not enough, honest. I may get a haircut twice a year and he gets his cut maybe once every few months. This will become more scheduled.
Paid hobbies nodda
Food/Drink Average $800 a month on groceries but during the worst times for us, $2000. I want to get this lower; we don’t buy meat so I feel like we need to do better planning.
Fun / Entertainment $0
Random House/Property stuff Averages $200 a month +
Clothes $0. Our daughter has a uniform for school; I tend to buy when on clearance. I’ve rarely bought anything since quitting MIL.
Any other expense that's relevant to you.
SECTION FIVE: [Write your Deep in Debt Diary here]
Please provide a detailed history of your debt accumulation and payments, including your pay at the time, any strategies you used to target your debt, and anecdotes about your experience. Example:
2010-2014 Worked as a draftsman while getting my associates in drafting. I was honest with them from the beginning about going back for a bachelor's. The most I made was $15/ hour with benefits only in the last year of employment. We started our contract work in 2013 at $25,000 per year.
2014 went back to college for a bachelor's degree and got my first real credit card. I don’t recall my balance when I started working on it but I would say it was over 3k. I also learned he had over 5k in cc debt when we started talking about combining our finances and working on debt. He was making $33 per hour with no benefits. Our contract was $25,000 per year which was broken up into equal payments over the year.
2016 - 2019 We combined out income and I took over finances completely with no help. I agreed to join the family business after finishing my degree in May 2016 and also got my real estate license ( boss MIL was also a broker). Worked full time from May until end of November when our child was born. I made $15-$25 in that time. We paid $800 per month for private insurance and had a traumatic delivery that came to another $18,000 after insurance coverage. I was scared of being one alone with my child; I had postpartum but didn’t tell anyone nor fully wanted to admit it to myself. Our daughter wasn’t easy going even as a baby, she had to be on my body at all times to be happy. She still gets bored easily. We spent a lot of money on stuff to entertain her at home; she never liked anything, not even a swing. We hired a nanny to be at our office with us full time from age 1 month to 3. We paid her $10 per hour in cash. Our daughter started pre-k at a private school at 3. $350 a month. Debt varied as always. I was at the office 40-45 hours but my boss used me to do real estate stuff she didn’t want to do which cut my hours to 30-32 per week hourly; I was never compensated for all of the real estate admin and website building. We both had our real estate licenses but never made anything until 2019-2022. It took up 8+ hours or so of my weekly hours then a lot of our weekends. In 2016, our contract work increased to $30,000 and payments changed to larger payments during our busy time of the year. I feel like that was when we started relying on that income to bail us out of debt.
Nov 2019-April 2020. Refinanced our land and did a construction loan to rebuild our house. Our daughter was out of school and at home with me working which was very hard. Our house was finished April 2020 two weeks before everything started shutting down further it seems. Debt was maybe around 10k because we forgot to plan for the carport that still doesn’t have a slab. It’s just dirt.
2020-2021 We told our boss MIL we were leaving the business. We were tired of the stress and chaos with her and low wages with no benefits. We were given raises ( $33 and $40 per hour ) to keep us there. I told her several months later in a formal notice I was quitting. I was guilt tripped and manipulated to stay; she stated we would make the changes necessary and I would start taking over her job. Of course nothing at all changed. I was a wreck and quit without notice 6 months later after trying again 2 months before because I was a serious mess. This hurt us financially because I wasn’t taking care of our finances and was too upset. I did take over our business contract work so we didn’t have to work on that during our free time. My husband was also a mess on and off, so we kept an emergency fund to support him quitting and finding a job. He told her twice he was quitting but could never follow through. We used up our emergency fund because we weren’t paying attention. Somehow spending 2k a month on groceries for several months. I hate that I have no clue how it happened and how much food waste we had.
2021-2023 I didn’t work for MIL from May 2021-October 2021 when I went back but only 10 hours per week. I went back because we needed the income. I typically worked 12 hours a week until leaving recently. We decided to move to Michigan; I feel like i sacrificed a lot staying in Texas ( I never wanted to ) and putting up with everything working for his mother and all the chaos and control that came with that. We will be moving end of May beginning on June. He still works for her and doesn’t have a set plan.
Reflection
I feel like our lives have been a wreck the last 3-6 years and I refuse to fall back into it. I feel like not having benefits has hurt us more than we ever imagined it would. Just this year so far we’ve paid $2400 for his emergency root canal and crown. $400 for a consultation and CT scan for my nose for sinus issues. $3500 for a new fence for our dogs. It seems to never end.
I was upset with myself for awhile; I am trying hard to focus on the future. We need to learn to plan and save for large expenses. I am highly considering separating our finances and splitting everything proportionally. He has yet to actually help me with managing our finances although I have mentioned and asked numerous times. He is also supposed to be evaluated for ADHD. He does try and he’s a great partner besides his mom problems and not helping with finances. He thinks just not spending money is enough for our finances. Our therapist thinks us getting away ( even if it is only part of the year ) will change my husband and his dynamic with his mother. I hope he will fall in love with where we are moving, and agree to stay there permanently and sell our home/property in Texas.

The above template was modified, with permission, from MoneyDiariesACTIVE.
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2023.03.21 19:37 ArjanSingh09 Indian Based Food and Grocery Delivery Service SwiggyInstacart Publicly Makes Memes of the Repression in Punjab

Indian Based Food and Grocery Delivery Service SwiggyInstacart Publicly Makes Memes of the Repression in Punjab submitted by ArjanSingh09 to Sikh [link] [comments]


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2023.03.21 18:29 TikiChikie How much would this batch be?

Hello, just for my own education, about how much would Instacart pay you for a 3 mile delivery of 56 grocery items (but multiples of several) and heavy items (beverages but not like cases of water or anything) and it was about a $335 order before tip and fees. I tipped 20%/ $1 per item at $67. Just wondered approximately (in your experience) how much Insta would add to that for compensation?
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2023.03.21 18:28 Reviewgiveaway75 DELAWARE’S CHANCELLOR ANDRE BOUCHARD UP TO HIS USUAL, UNUSUAL TRICKS IN CHANCERY COURT?

DELAWARE’S CHANCELLOR ANDRE BOUCHARD UP TO HIS USUAL, UNUSUAL TRICKS IN CHANCERY COURT?

04/29/2020 By Judson Bennett📷
OPINION
Dear friends,
I’ve been following Andre Bouchard’s rocky career since the day he took office as the new Chancellor in Delaware’s Court of Chancery, and I wrote about the way he handled the Sussex County Register of Wills Office in his first year, which I thought was abhorrent. I’ve been extra critical of him through the TransPerfect trial, which ended years ago, and somehow, court-payments linger and his old buddies at Skadden Arps are still collecting nearly six-figure monthly paychecks, thanks to Bouchard’s atrocious handling of the case.
I wonder which one of his friends could possibly get paid off this time because, in my opinion, the TransPerfect case has been milked for huge amounts of money for the benefit of Delaware’s Good-Ole-Boys Legal Club, aka friends of the Chancellor???
I’m seeing similar suspicious patterns in a new case covered by The Law360 story below, where he’s again being shortsighted, in my view, during a court-supervised sale, which sounds similar to me to the TransPerfect case. where he was, in my opinion, continually attempting to bully the sides into a settlement, rather than just doing his job as a judge.
The Law360 story, says it best, “Chancellor Bouchard, a veteran of epic — and unfinished — battles arising from the liquidation of TransPerfect Global Inc. after a falling-out between its founders.”
I would love to hear your thoughts on this one. In my opinion, this guy, who was never a judge before, somehow through his Democrat politics, getting the chief role at the Chancery Court, is not even learning on the job. Time for him to go!
Respectfully Yours,
Judson Bennett-Coastal Network
PLEASE CHECK OUT MY WEBSITE at : coastalnetwork.com
See the Law360 story:
Chancellor Rips Critics Of Pharma Sale As ‘Incredibly Naive’
By Jeff Montgomery
Share us on:
Law360 (April 20, 2020, 11:40 PM EDT) — Delaware’s chancellor branded some challenges to the court-supervised sale of drug developer Inspirion Delivery Sciences LLC as “astounding” and “incredibly naive” on Monday, noting that a court order had given a liquidating trustee broad latitude to complete the job.
The comments by Chancellor Andre G. Bouchard during a sale hearing teleconference followed arguments by Michael Yoder of Reid Collins & Tsai LLP that a new auction effort could have produced a better result than the offer of $4 million in cash and up to $10 million in future payments from OHEMO Life Sciences Inc. from royalties on anti-abuse opioid drug compounds.
Yoder, who represents former Inspirion members Raymond DiFalco and Manish Shah, argued that it made little sense for a trustee to “simply accept the first offer from a company insider,” referring to OHEMO, which has ties to IDS member Stefan Aigner.
Chancellor Bouchard, a veteran of epic — and unfinished — battles arising from the liquidation of TransPerfect Global Inc. after a falling-out between its founders, asked if Yoder had fully examined Delaware law and trustee discretion on the issue.
“I really find that astounding. You didn’t even address the standard of review in your papers,” the chancellor said. “I find equally astounding the notion that you didn’t think insiders would be able to bid. Do you know how most of these contests end? Typically somebody involved with the company buys the other side out.”
Yoder said he was not arguing that insiders could not participate, but said that his clients did not participate because they hoped for a successful sale to a third party and were unaware there were no third parties in the running until recently.
“That just demonstrates extraordinary naivety,” Chancellor Bouchard said. “It all seems so last-minute for your client to walk in here not prepared to do something, and I find it very hard to believe that if they wanted to make a bid, they couldn’t do it all along.”
Differences between Shah and DiFalco and member Aigner over approval and marketing of key anti-abuse drugs MorphaBond and RoxyBond hobbled the business, with Aigner attempting to remove DiFalco as president of IDS.
The court ordered a liquidation after a three-day trial in November 2018, although further disputes and market issues extended the process. The proposed winning bidder was OHEMO, based in Puerto Rico, a company championed by Aigner before the liquidation order as a replacement for the Shah and DiFalco-aligned production operation.
Cerovene Inc., controlled by Shah and DiFalco, made an offer valued at up to $15 million but missed a key deadline for the submission earlier this month, according to Donna L. Culver of Morris Nichols Arsht & Tunnell LLP, counsel to liquidating trustee Derek C. Abbott.
Culver said Cerovene argued that the COVID-19 crisis and a lack of wire transfer specifics kept the business from making a required bid deposit, but not until “literally minutes before deadline” did the prospective competing bidder “give any indication he could not comply with the deadline.”
Nothing prevented DiFalco and Shah from getting involved through Cerovene earlier, Culver said, adding that the sale opponents also had not shown how the trustee or process represented an abuse of discretion.
Peter B. Ladig of Bayard PA, counsel to Aigner, Acela Investments LLC and two other companies that hold Aigner’s interests in IDS, said the business already had worked through a several-month marketing process, with 81 potential buyers approached, before choosing to move ahead with OHEMO for lack of a better offer.
“This is not, as I think the objectors would have the court believe, a question of having an auction just between the two insiders,” Ladig said. “This was an auction process that ran for months, and it’s really the end of the second process.”
Ladig said nothing in the case record supported claims that Aigner maneuvered the trustee into setting the final, 48-hour window for receipt of a competing offer for the business.
Chancellor Bouchard said he would take the arguments under advisement.
Aigner is represented by Peter B. Ladig and Brett M. McCartney of Bayard PA.
Shah and DiFalco are represented by Carmella P. Keener of Cooch and Taylor PA and William T. Reid IV, Michael Yoder, Jordan L. Vimont and Ryan M. Goldstein of Reid Collins & Tsai LLP.
Liquidating trustee Derek C. Abbott is represented by Donna L. Culver of Morris Nichols Arsht & Tunnell LLP.
The case is Acela Investments LLC et al. v. Raymond DiFalco et al., case number 2018-0558, in the Court of Chancery of the State of Delaware.
–Editing by Aaron Pelc.
About Judson Bennett
📷Captain A. Judson Bennett was a life- long resident of Lewes, DE. He served the maritime industry for 33 years, primarily as a Delaware River Pilot, guiding large ships to the Port of Philadelphia. Captain Bennett has been an active and consistent entrepreneur over the years.
He was elected as a Lewes City Councilman for 6 years. Afterwards he ran for the Sussex County Council as a Republican, and with 20 thousand people voting, lost Delaware’s closest election by 3 votes to an 8 year incumbent. Abandoning his personal political ambitions, he became the Republican District leader, advocating conservative values. Captain Bennett became a lobbyist in the state legislature advocating among many ideas, financial literacy concepts in education. He managed several political campaigns, including one for Governor of Delaware and one for the US Senate against VP Joe Biden. He is now the owner, operator, and writer for the Coastal Network which communicates regularly with over 6000 people throughout the State of Delaware.
Captain Bennett is a graduate of St. Andrew’s School in Middletown, DE (where the movie “The Dead Poet’s Society was filmed) and also graduated “Magna Cum Laude” from the University of Delaware with a BA in Criminal Justice and an MA in Liberal Studies.
He is now a Widower, living in West Palm Beach, Florida. Captain Bennett has one son, three grandchildren, and one great grand-daughter, all who live in Richmond, Virginia.
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