Hi, i have been trying to subscribe, but i cannot find any way to do it. I have tried 2 bank cards, one Mastercard one visa, I have tried paypal too. Every time i try it gives me error such as ' We're sorry, but we can't perform transactions to this credit card. Please load a different one'
As of right now there is no way for me to sub... my card and my partners card work perfectly with anything else, even ff14 sub... SWTOR just doesnt want my money i guess? Ive also checked with my bank and they said there should be no issues and no restrictions are in place...
Im a returning player and really wanted to get stuck into the game again, any ideas?

(Chapter 27-30 dictionary here)
This will be another 2 parter with 4 chapters total, since I didn't post the days previously. It’ll be quite long again, so apologies for that. (I got hit with a nasty headache for a while, so I decided to take some time off before writing this. I’ll try to post chapters 35-38 in the next day or two. Like last time, none of that stuff will be referenced here for spoilers’ sake.) Anyways, a lot of fast and arguably terrifying developments in these chapters! This is where all of Lumian's suspicions start flooding in.
For the first part, I won't comment on the action scenes and the Lent festival stuff, instead looking at the mystical side of things. I'll also compile some guesses I've seen from readers. More specifically, I'd actually like to take a look at the padre, Guillaume Bénet. It seems that a lot of readers are speculating on what his abilities are and what pathway he's from, so I'll try to list out some observations about him. (It’ll be quite long, so apologies for that!) I'm also going to hash out the mechanics of the time loop, so any readers can better understand how the nature of the looping actually works. It might not be 100% accurate though, so feel free to add any corrections below.
The second part gives us a date for when the book takes place, and it elaborates on some content. I've also seen some interesting guesses from other readers. I'll be compiling those speculations there. Here we go!
---
#**PT. 1: C31-32**
###**CHAPTER 31:**
- I won't comment here since this is the initial setup of all the weird and rather unsettling events that ensue. Lumian does a lot of the observations himself here. (Also, it's not exactly that fun to try and dissect all of the mysteries when it leads up to the climax. Suspense is only fun when it stays suspenseful.)
- Good thing Reimund got dunked on during the Waterside Ritual and had to go home early, lol. Poor lad would’ve been subject to a horrible day…
###**CHAPTER 32:**
**EXCERPT 1:**
*Lumian was surrounded by ***complicated silver symbols that coiled around him like small rivers.*** He ran through ***an illusory river*** that was formed from these symbols, with blurry tributaries ahead of him.*
*Guillaume Bénet reached out his right hand and grabbed ***a mercury-colored symbol*** that encircled Lumian.*
- Around chapter 18, I said I wasn't sure if the padre was a Beyonder. **In *this* chapter though, he most definitely is one.** We still don’t know if he was a Beyonder prior to when Lumian overheard him scheming, or if he somehow became one in the time in between these chapters. He seems to have mid-sequence abilities at the least.
- Anyways, **I’ve seen a lot of readers speculate that Guillaume may be a Beyonder from a foreign pathway.** As much as I'm aware that readers want to see something new, we’re still not sure and there aren't enough clues to prove this speculation at the moment. For now, it can be left open to interpretation.
- Another speculation I’ve seen seems more realistic of a theory: that **Guillaume Bénet is a Beyonder of the Monster pathway.** The colors and symbols in this excerpt seem to match up with that of the Wheel of Fortune pathway; that being the **silvery coiling symbols.**
- Some readers might remember that the Sequence 1 name is called **Snake of Mercury**. To add on, the mythical form of the Wheel of Fortune pathway is a **silver snake with wheel-like patterns that connect to each other like a loop.**
- This is quite reminiscent of the symbols mentioned in the excerpt. The mention of them being like “rivers” also reminds me of the **“looping River of Fate”** concept that was mentioned in Book 1.
**EXCERPT 2:**
*Lumian stomped his right foot, preparing to hurl himself through the stained glass and out of the cathedral.*
***But he slipped and couldn't muster enough strength, and his body was sent flying.***
*With a loud bang, whoosh, and cracking sound, Lumian shattered the stained glass depicting Saint Sith, but* ***he failed to break through it and instead crashed back into the cathedral. ***
- This part here seems to be attributed to the padre’s ability to **manipulate luck and fate**, which adds onto what I mentioned above. Based on this bit, it seems that Guillaume should be at least a Sequence 7 Beyonder. I’ll elaborate below.
- The Fate pathway’s Sequences 7-4 all have some type of ability that can **bestow bad luck onto their enemies.** In this case, Lumian tried to exit the cathedral by forcing himself out the window, but his luck was manipulated so that he slipped and messed up his send off. And since he couldn't exert enough strength into his body, he failed to break the glass window and escape. **This would be bad luck for Lumian, but it’s good luck for Guillaume.**
**EXCERPT 3:**
*Pierre Berry charged at Lumian with the axe,* ***his body seeming to grow taller and stronger with every step.***
- A few readers seem to think that **Pierre Berry may be a Beyonder of the Twilight Giant pathway**, but it’s a bit difficult to tell. Regardless, I’ll elaborate below.
- Those who either have the blood of Giants or are of the Giant pathway are characterized as being quite tall; Beyonders who reach Sequence 6 Dawn Paladin will be at **least 2 meters tall**. In the novel’s context, Pierre might be extremely tall if he’s a Giant pathway Beyonder (or this might be a figure of speech from Lumian’s perspective.)
- The Giant pathway is also called the Warrior pathway, which means that a Beyonder of this pathway **will gain great strength and proficiency over all weapons**. The descriptions of Pierre holding an axe while growing stronger might be an allusion to this (or again, it could be a figure of speech from Lumian’s perspective.) He seems to have some pretty inhuman strength, though. For now, this can be left open to interpretation.
**EXCERPT 4:**
*Padre Guillaume Bénet's eyes were nearly transparent, with Lumian's figure submerged in an ***illusory river formed by shimmering mercury symbols.*** In front of him, ***he saw something similar but more surreal, as if representing the future or a tributary.***
*After experimenting, Guillaume Bénet's right hand finally grasped the* ***key pattern formed by multiple symbols.***
*With a single move,* ***he could rewrite Lumian's future and render all his efforts futile.***
- **The first part** is another description that matches up with the Fate pathway. It has descriptions of **mercury symbols and illusory rivers**, which again alludes to the symbols of the Fate pathway. The illusory rivers seem to allude to the looping River of Fate that was mentioned in Book 1.
- **The second part** talks about a **key-like symbol formation**. It seems to be some mystical symbol that can manipulate fate to a great extent, and it might be some type of prominent feature for the higher sequences of the Fate pathway. Of course, there’s too little information to tell right now. (This is just speculation on my part, but it reminds me of the Above the Sequence/Sefirot name for the Fate pathway: the Key of Light. We don’t know enough ATM though, so just treat this part as a fun little observation from me, lol)
- For **the third part** of the excerpt, it cements the fact that the padre can manipulate luck and fate to a great extent. Some readers in the Webnovel comments are speculating that the padre may be either: **a Sequence 6 Calamity Priest; or a Sequence 4 Misfortune Mage.**
- For the **Sequence 6**, they are prone to encountering calamities; but they can predict and thus use the calamity to their advantage against enemies, while mitigating the effects on themselves. For the **Sequence 4**, they can bestow misfortune on a certain area, and thus make their enemies unlucky by will. This excerpt could allude to either one of the sequences, but it’s difficult to tell which one specifically.
**EXCERPT 5:**
*But suddenly, ***the padre's eyes froze, and he let out a scream. His eyes shut tightly as blood and turbid tears streamed down his face.***
*Amidst his scream,* ***his body expanded like a balloon being filled with gas, and his white robe with golden threads cracked under the strain.***
- This excerpt describes another trait that is specific to the Monster pathway. I’ll elaborate below.
**SEEING AND HEARING: ADEMISAUL**
- Some Book 1 readers might remember the boy named **Ademisaul** from way back in Volume 1. Many people called him a “monster” because he would scream and shout about horrifying things he has seen or heard. Some regular folks might have thought that Ademisaul was a madman or a “monster”, but he was like this because **he was born with the blood of a Monster pathway Beyonder**, and thus inherited some of the Beyonder characteristics that came from this pathway.
- Starting from Sequence 9 Monster,**any Beyonder of the Fate pathway will often be able to see things they shouldn’t see, or hear things they shouldn't hear**. So. they’ll be prone to madness and corruption if they’re not careful. In Ademisaul’s case, he became frightened after seeing the Sefirah Castle’s entrance from Klein’s body; he then also had a dream that spelled great disaster in the future. Of course, for someone who’s not even a Sequence 9 yet, seeing a Sefirot directly would bring great pain to him. His dream prediction of the events following Volume 1 was also quite true; that being the World War of 1350, as well as the Apocalypse that will come in 1368.
**SEEING AND HEARING: GUILLAUME BÉNET**
- In the padre’s case, it seems that whatever he saw in Lumian was of a similar level to what Ademisaul saw, and it seems to be caused by Lumian’s special trait. Readers are speculating on a few different answers as to what he saw, and I’ll list them out here:
- **The first speculation is Sefirah Castle and the Fool Klein Moretti**, since it’s speculated that Klein may be watching over Lumian through his Dreamscape.
- **The second speculation is the City of Calamity sefirot**, as some readers are speculating that Lumian’s Dreamscape might be connected to the City of Calamity in some way. This is also supported by Lumian’s Beyonder pathway being the Red Priest pathway, one of the precursor pathways that are a part of the Calamity of Destruction group.
- **The third speculation is that it has something to do with an Outer God**; many are speculating that it might have to do with the Circle of Inevitability (and maybe Calamity City by extension) somehow, but there’s too little information ATM to give a hard answer on this one. It can be left open to interpretation.
**EXCERPT 6:**
*But just as Lumian turned to leave, Guillaume Bénet, who was supposed to be dead, opened his eyes. *
*They were bloodshot, and a sharp buzz split Lumian's head in half, the intense pain preventing him from screaming.*
***Everything shattered before his eyes, and he was engulfed in darkness as he lost consciousness.***
- This excerpt will look at the weird anomaly that Lumian has found himself in; it seems that time has rewound and looped back to right before the beginning of the novel. (If anyone here has read Mother of Learning, there might be a bit of a déja vu here, lol. If you haven't, I totally recommend it.)
- Anyways, this is where things start to get a bit more… *dubious*. **The abilities that Guilaume displayed here can only be accomplished by a Sequence 1 Snake of Mercury.** (Maybe the padre is actually the third Sequence 1, or maybe he was somehow affected by the third Sequence 1. Again, it’s quite dubious so we still don’t know what’s going on here, yet.)
- For now, I’ll be describing 2 abilities in particular and how they might be linked to Dariège’s bizarre sequence of events.
**CYCLE OF FATE**
- The first ability is called **the Cycle of Fate**. With this ability, a Sequence 1 will be able to trap a selected group of people in an endless loop of events without them knowing, regardless of whether they die or not.
- One example of this was back in Book 1, when Derrick Berg and his exploration team encountered a mural of the True Creator and Tail Devourer Ouroboros - a Sequence 1 of the Fate Pathway. The mural had a looping River of Fate on it, which trapped the group in a constant cycle of exploring the True Creator’s temple in the Forsaken Land of the Gods. Derrick wasn’t even aware of the loop until Klein pulled him into Sefirah Castle; he was then able to recall previous loops and stay aware throughout the loops that came afterwards.
- In the context of Lumian’s predicament, it may be that the parts of Dariège have been looping without anyone knowing. Some parts are a bit inconsistent to actually match up with the Cycle of Fate, though.
- For example: when the Cycle happens, **anything outside of the affected individuals should pass as normal**. At the beginning of chapter 33 though, Lumian notes from Aurore’s words that time has reverted, and the weather of each day matches up with what he remembers previously. (Of course, the Cycle might actually be able to loop the weather of the affected area, but there’s too little information to know for sure.) For now, it’s a bit hard to tell if things have actually been looping, or if the villagers of Cordu don’t actually know that time has passed elsewhere.
**REBOOT**
- The second ability is the **Reboot.** With this ability, a Sequence 1 can completely revert the state of an entire region. This means that whatever events that take place before a Reboot will be completely invalidated and restored to an older state. (You can think of it like re-loading an older save file in a game.) In the novel’s context, it seems that whatever the padre did caused the entire region of Dariège to Reboot back to before the start of the novel.
- There are also a few inconsistencies with this ability as well, however. **Time doesn’t actually reverse when a Reboot happens; it only reverts whatever is affected.** This means that Dariège can be Rebooted, but time everywhere should still flow as normal. In this case, it might be that time is actually flowing regularly elsewhere, but the people inside Dariège are unaware of this fact. Like with the previous theory, it’s still a bit difficult to tell what is actually happening.
Anyways, the key part to remember from these descriptions is that **time reversal isn’t possible; only the state of the region can be reversed, but not anywhere else.** This means that while the Dariège region remains stagnant, other places outside of the region will keep marching on and changing as normal. So, any new developments that come from the outside could change what happens inside the loop.
With this in mind, it seems that readers are speculating that the foreigner trio (Ryan, Leah, and Valentine) might yield clues to how this whole looping/rebooting thing came about, since they originally came from outside the affected region. The letter that was cut from Lumian and Aurore’s *livre bleu* might also yield some clues once Lumian finds out who cut the letters. Others are also wondering if anything will happen to the telegram that Lumian sent out of Dariège.
(I hope this chapter 32 section helped to elaborate on the padre’s abilities and some other lore-related things that might be involved. If you’ve already read the later chapters, I hope this part aided in understanding how the time loop works in principle. As always, if there’s something I got wrong, or if you’d like to add onto the discussion, feel free to comment below.)
###**CHAPTER 31-32 SUMMARY:**
**PART 1:**
- Lumian continues the Lent celebrations with all the youths in the village. He also checks in with Aurore about their plan to leave.
- Lumian's friend Reimund is sent off early due to being the last one to finish the waterside ritual. The group then continues off to the Cathedral for the final part of the Lent festival.
- As the final praises are being sung, **Lumian realizes that something's wrong with the village: no one has praised their orthodox deity, the Eternal Blazing Sun, in a long time.**
- The padre comes to the cathedral unannounced and **confirms Lumian's suspicions about his strange plan.** The Spring Elf Ava is then beheaded.
**PART 2:**
- All the young men in the cathedral are either driven mad or completely mortified by what has happened. **Lumian engages in a fight with Guillaume Bénet and Pierre Berry.**
- Lumian struggles against the padre due to his fate manipulation abilities. The padre almost triumphs over Lumian, but is halted after looking at him for too long. **The padre sees something he shouldn’t, and his body is rendered immobile by thorny black symbols.** Everyone in the cathedral is affected by the oppressive seal except Lumian.
- Lumian kills the padre, but is caught off guard when the padre’s corpse moves again. He then wakes up to find that **time has somehow reverted back to before the Lent festival.**
---
#**PT. 2: C33-34**
###**CHAPTER 33:**
**EXCERPT 1**
*"Did you not take an afternoon nap? Are you still not fully awake? ***It's March 29, 1358.*** We still have a few days before Lent."*
- We finally have our time period for the novel! It looks like **Book 2 takes place about 5 ½ years after the events of Book 1**, which ended in the fall of 1352. The Apocalypse should be about 10 years away from now.
- From this point, we can gather that **Lumian was born in the year 1339-1340**, and that **Aurore found Lumian within the year she transmigrated into the New World, around 1353.**
- For reference, I’d like to add an image as to what the calendar dates of 1358 look like - assuming that leap years land on every year that is divisible by 4. They match up with the calendar for 2030, so I’ll be putting a 2030 calendar below. (If you’re wondering how I figured out the exact calendar when we’re this early in the novel, I actually figured out that the years 2021-2024 correspond with the years 1349-1352 way back when I was reading Book 1. I’m still not sure about leap years though, so I’ll fix it if the leap years are wrong.)
**1358 CALENDAR (TENTATIVE)**
​
Processing img z8qsyhhclbpa1...
---
###**EXTRA: TAROT CLUB UPDATED AGES:**
- I’d also like to add a section here for all of the Tarot Club members’ updated ages, so that Book 1 readers can get a sense of how much time has passed for all of them. For reference, it’s been just under 9 years since the Tarot Club's founding, and about 5 ½ years since Klein went into his slumber.
​
**The Fool - Klein Moretti/The World - Gehrman Sparrow:**
- DOB [Date of birth]: March 4th, 1327
- Starting age [June 28th, 1349/Start of Book 1]: 22
- Previous age [Fall 1352/End of Book 1]: 25
- Current age [March 29th, 1358/Start of Book 2]: 31
​
**Justice - Audrey Hall:**
- DOB: June 6th, 1332
- Starting age: 17
- Previous age: 20
- Current age: 25, turning 26
​
**The Hanged Man - Alger Wilson:**
- DOB: March 20th, 1317
- Starting age: 32
- Previous age: 35
- Current age: 41
​
**The Sun - Derrick Berg:**
- DOB: April 19th, 1335
- Starting age: 14
- Previous age: 17
- Current age: 22, turning 23
​
**The Magician - Fors Wall:**
- DOB: April 13th, 1323
- Starting age: 26
- Previous age: 29
- Current age: 34, turning 35
​
**The Moon - Emlyn White:**
- DOB: September 3rd, 1312
- Starting age: 36
- Previous age: 39-40 (appears 28-29)
- Current age: 45, turning 46
​
**The Hermit - Cattleya:**
- DOB: February 3rd, 1323
- Starting age: 26
- Previous age: 29
- Current age: 35
​
**The Star - Leonard Mitchell:**
- DOB: February 14th, 1324
- Starting age: 25
- Previous age: 28
- Current age: 34
​
**Judgement - Xio Derecha:**
- DOB: March 18th, 1328
- Starting age: 21
- Previous age: 24
- Current age: 30
​
I hope all these time correlations help with cementing when things happened and how long it’s been since the end of Book 1. It seems like the Tarot Club members have been busy for a while.
*(NOTE: Speaking of ages… To any fandom wiki editors reading this, ***Lumian’s birth date on his bio page (September 26th, 1340) currently doesn’t match up with the date in the book.*** It says that he’s 18-19 in his debut description, but he would actually still be 17 if you line up what the wiki says with the novel. ***If he’s still supposed to be 18 now, and then turns 19 later in the year, it’s likely that he’s actually born in 1339 (if his birth month is still verified to be in September).*** I’m not sure where the source for his birth date comes from, so I hope that any editors who read this can review and fix that.)*
---
**EXCERPT 2:**
\She's really not dead… Lumian thought to himself as he looked at Ava's neck, trying to find signs of stitches.\
*In one of Aurore's horror novels, there was a scene where* ***a corpse was stitched up to act as a living person.***
- It seems that some readers have pointed out that Aurore is following in Roselle’s footsteps… by plagiarizing stuff from the modern era, lol.
- This section is likely based on the **Frankenstein novel** that was written by Mary Shelley in 1818. It’s a classic piece of gothic horror, so it’d make sense that Aurore would use it as a basis for a book. She’s probably used a lot more than this one, too…
**EXCERPT 3:**
*Suddenly, he discovered a point that he had neglected previously because he was shocked by "time reversal."*
***He still had his superpowers!***
***He was still a Hunter!***
- More observations! It seems that readers are trying to figure out why Lumian remained a Beyonder after the restart. It seems that his physical condition (i.e. his injuries from the fight) has been completely wiped away, so how is it that he still has his Beyonder abilities?
- Some readers have speculated that it’s due to his Dreamscape. Since Lumian sourced the main components of his potion inside the dream, and he became a Beyonder while he was inside, it could be that whatever physical changes that happen to him there are not within the affected areas of the restart. At the moment, there's not enough information to tell. (This will be partially answered later, but again, I’m not putting it here for any readers who haven’t caught up, yet.)
###**CHAPTER 34:**
**EXCERPT 1:**
*He realized that ***the woman who had given him the Wand card and taught him mysticism knowledge was absent from Ol' Tavern***, preventing him from determining if he was dreaming or not.*
- It seems that our mysterious friend isn’t affected by the time loop. Of course, if she’s a Tarot Club member like we think she is, she’ll have a few options to resist the effects of the Fate pathway.
- Like I mentioned before, the Fool can eliminate the effects of a Cycle of Fate and help an individual retain their memories over the course of multiple Cycles. It seems that the lady might've been blessed before coming to Cordu, so she can go about freely without being subject to the effects of a restart. She might also have her own ways of staying out of the loop while she's here, but we're not sure how, yet.
**EXCERPT 2:**
*Upon seeing the white four-piece bed, Lumian's heart skipped a beat. He lifted the pillow and found* ***the Minor Arcana tarot card representing the Seven of Wands!***
[...]
*Wait, hasn't time already turned back? ***I haven't even met that lady or drawn the card. Why is it here?*** Lumian was alarmed. He wasn't too confident about his previous guesses.*
[...]
*In the end, Lumian decided to ***treat the woman and the item she gave him as an "exception"*** for the time being.*
*With that lady's mysteriousness and uniqueness,* ***it was considered normal for her to be unaffected by time reversal!***
- This part will add onto what I said above.
- Along with our mysterious friend, it seems that the special item she has given to Lumian isn't subject to the loop, either. This may also be because the card has been blessed by the Fool somehow, so the Fate pathway has no effect on it. The lady is also a demigod, so she might also have some ways to trick the card out.
- It not only lets Lumian stay lucid in his Dreamscape, but will also allow him to retain his memories across restarts now, too. What a nifty item, huh?
###**CHAPTER 33-34 SUMMARY:**
**PART 1:**
- Lumian confirms the date with Aurore; it seems to him that time has really reverted to before the Lent festival.
- He then goes to check on the Lizier family, and finds that Ava is still alive and well. He then confirms with the family that Pierre Berry has already returned to the village for a few days before the restart, which is suspicious for a Shepherd.
- Lumian bumps into Guillaume Bénet and finds that the man has no recollection of what happened before the restart. Lumian also notices that he still has his Beyonder abilities.
- He then goes to the Ol' Tavern in search of Ryan, Leah, and Valentine.
**PART 2:**
- Lumian repeats his first meeting with the trio, before leading them to the Cathedral to find the padre. This time, Lumian is more careful with how he handles the situation; he tips off all of the padre's adultering deeds to the trio before quickly extricating himself from the matter.
- Lumian then talks to Aurore about the cosmos on the rooftop again, before going to bed. He notes that the Seven of Wands card that he obtained from the mysterious lady is still on his bed.
- Lumian enters his dream, onto the find that the region has also looped back in time. He's lost all of his loot, and his weapons have returned to their original places.
- After gathering his weapons, Lumian does a survey of the ruins, confirming that time has also looped in his dream, somehow. While on his survey, he encounters the naked monster again. Compared to last time though, he kills the monster with ease.
---
That's it for these chapters! Again, I apologize for posting this late due to my break. I'm still working on the next dictionary at a (hopefully) more reasonable pace, and I'll probably continue to release these dictionaries in batches of 4 chapters for the time being to give myself more room to write things out.
In the meantime, I hope this helped refresh and frame certain things in a newer perspective. If you've already read the later chapters, I hope that this post helped to clear up any confusion you have about the whole time looping stuff.
Happy reading!

I scrolled through several previous posts about finances while on the Camino. It sounds like there are plenty of ATMs to withdraw cash from and that pilgrims shouldn’t have more than a couple hundred bucks on them at all times. I also read about a Charles Schwab checking with $0 foreign atm fees, but that still doesn’t avoid fees that ATMs charge on the transaction. I was curious and looked into opening an account with Santander, since they probably have tons of ATMs along the way (Frances in my case). They offer something called a World Account for non-Residents of Spain. Has anyone ever heard of this? It gives you a debit card, free cash withdrawals, and digital banking. The catch is that there’s a monthly fee of €16, but my current US bank charges $5 per international withdrawal (+ ATM fee), so I’d surpass that in 3 ATM usages anyways. I could get limit myself to 3 ATM withdrawals or if I open this account, use it on the Camino and close it within the month to avoid a second monthly fee (seems tight, I know). It’s probably too involved to try, but I’m wondering if anyone has tried something similar to this before.

A few years ago, I sold my house and used the profits to pay off my car. I had about $12,000 left over which I just put into a savings account separate from my primary bank so I wouldn’t touch it. Since then, I have accumulated about $8,000 in credit card debt. (Had some unexpected major expenses) This debt is currently 0% until early next year. I have only been making the minimum payment to the card and if I have some extra money, I might pay a little more. My fiancé and I are getting married in October and our goal is to buy a house next April when our lease is up. We anticipate to receive some money as wedding gifts as well as use our tax return for a down payment. He is also a first time homebuyer so we are looking into down payment options for that as well. I’m wondering if it would make more sense to just pay that debt off completely with the savings I have or continue to just make the minimum payment while I’m not getting charged interest. I was hoping to also use this money towards the house but I don’t think that will make sense once that high interest rate kicks in. My thought is that it’s going to need to be paid in full eventually but I still have around 11 months at 0%. Thoughts?

Hello!
​
I am 25, and have recently started my first salary position in my desired field (45K), with options to grow in the next year or two!! Things are looking optimistic for me in the realm of my career, but I must stay patient. I went to an art school for my undergrad with a focus on writing and research/archives. Finishing up my librarianship residency (i got a scholarship abroad last year, and that was a blessing), and hopefully starting my digital asset certification this summer (with help from my current job to pay for it).
​
Here's the meat, babes. I have about 160K in student loan debt from Discover, and its kicking my ass. Payments are 1300 a month when I average about 1400 a paycheck. Rent is 700. The biggest stressor is the fear of being late on a payment (which feels inevitable! -- considering I barely have savings). Discover is letting me defer for 5 months while I try to scramble to save around 2K. 70K of those have been charged off, but haven't ben sent to collections or anything, yet. My mother filed for bankruptcy(due to her credit card debt) without telling me, so they closed it. The goal would be to try to refinance all of it to release both parents. Or try to refinance the 33K my step-father signed just to set him free.
​
I really want to refinance my loans alone, without my mother and without my stepfather, so that I can face this alone. I would much rather deal with this debt by myself instead of dragging my family through it. But feels impossible to get my footing while I have my parents telling me I am failing them and that I am ruining their credit scores. My credit score is facing hardship too! (low 600s).
​
I am on the phone with some bankruptcy/student loan lawyers this week to help me figure out a plan. I have a phone call with a psychiatrist this weekend. I am tempted to apply for a credit repair credit card (and use it very sparingly) so that I can grow my credit. Does anyone know where I could possibly apply to refinance these loans? How do you grow credit! I can barely afford groceries!
​
I tried Citizens Bank. declined. I tried Earnest, declined. These were soft checks, so, no harm to my score. I am applying to part-time librarian and writing jobs left and right. Above all, I want to work on my credit to possibly refinance and also work on my mental health. I have panic attacks twice a week. I don't want to be afraid of these anymore. What is done is done. I am trying so hard.
​
This forum has helped me a lot in terms of realizing I am not alone. Thank you everyone for remaining so helpful and hopeful. No one here is a failure. I say this to myself in the mirror every day.
​
God speed, I love you so much
​
-- Direct_Name_327

I was riding around with a bolt scooter for the first time and didn't know there are areas you get charged for driving into so my total ended up being over 20€ I didn't have enough money on my card at the time so it was taken off my bolt balance(counted off my next ride)
Hypothetically What would happen if I didn't pay it off and never rode with bolt again?

Hey guys, I’m a 20 year old with all 3 bureaus showing a 770-790 credit score. But recently I got an email saying my FICO score dropped 16 points. I have never held a high balance or missed a payment so I was wondering why my FICO 3 score would be so low. I pay my cards off almost every time I use them. Thanks! balances and FICO 3 score

I have to drive an hour to the beach to surf, and there are no good cams to check conditions. I'd like to be able to take a few boards and pick the best one, but I'm worried about storing a board in a hot car for a few hours while I'm surfing.
Weather is tropical so it will get hot. Will a bag help keep temps down? Any tips to minimize heat damage?
Current method isn't sustainable. Do you know how much lube it takes to cover an entire board? Plus it throws off my balance.
Thanks

I'm unable to link my google play account to my pubg mobile account. I have a google play gift card. How do I spend it on pubg mobile?
If you know how, please tell me. I'd seriously appreciate it.

Background: I’m a domestic infant adoptee from the Baby Scoop Era. I was raised as an only child, with very little extended family (adoptive dad was estranged from his family, and he passed 31 years ago, adoptive mom had a lot of family around but her brothers lived far away and most of her generation has passed) I’m married almost 30yrs and we have three adult children, one lives overseas. My adoptive mother lives nearby, but we get along best when our time is limited and for a specific purpose. My birthday is next week, and I decided it would be easier to meet for breakfast out with two of my children who live nearby than it would be to just avoid it altogether.
I’ll skip the details of complicated scheduling, planning around school and work and auto repairs, plus a morning activity I didn’t want to miss. But that’s typical of just about any get together. Anyway- we get to the restaurant- a National chain which would not be my top choice but it’s easy and predictable and has a menu that accommodates everyone. I’m OK with that! My birthday gift was a nice card and some knickknacks that are not at all my style- but I truly don’t care about gifts so that’s fine! What was most troubling was, not once in the conversation was anything about me. We talked out my children’s pets, jobs, classes, friends, homes, spouses, etc but not one thing directly or personally about me.
It’s never about me, it never was, and it never will be. I’m not surprised, I’m not even mad, I’m just sad.

So I purchased a ticket via Amex Travel (phone agent) traveling on Turkish airlines. I received the confirmation email from Amex along with the ticket number. I also checked the reservation on Turkish Airlines website. It shows the ticket number, correct PNR, routing, and my FF#.
So initially I saw the pending charges on my card by Turkish Airlines (despite booking through Amex) showing the correct amount. After around 5 days, the pending charges fell off and I never got the actual charge on my Amex card.
Should I be concerned? I phoned up Amex and Turkish, both confirmed that the ticket is good and valid.
I don’t know to show up at the airport and finding out the ticket isn’t valid bc they don’t charge mg card. I also need to make other travel accommodation so I kinda need assurance.
Any thoughts?

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FOR STEAM, ROCKSTAR, AND EPIC LAUNCHER VERSION OF GTA ONLINE ONLY

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°$35 PRE-MODDED GTA ACCOUNT° (INCLUDES BASE GAME + MOD)

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NOTE:

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°$35 PRE-MODDED GTA ACCOUNT° (INCLUDES BASE GAME + MOD)

RP=ANY RANK (1-8000)
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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

NOTE:

*ALL UNLOCKS INCLUDE:
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FOR STEAM, ROCKSTAR, AND EPIC LAUNCHER VERSION OF GTA ONLINE ONLY

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RP=ANY RANK (1-8000)
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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

°$35 PRE-MODDED GTA ACCOUNT° (INCLUDES BASE GAME + MOD)

RP=ANY RANK (1-8000)
GTA $= UNLIMITED MONEY SUBSCRIPTION (FREE MONEY RE-MOD NO LIMITS,3 BILLION AS INITIAL MONEY)
ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

NOTE:

*ALL UNLOCKS INCLUDE:
BUNKER RESEARCH, FIGURES AND CARDS, FAST RUN, OFFICE AND BIKER DECOR, ALL OUTFITS, VEHICLES, TATTOOS, LSC UPGRADES, LS CAR MEET UNLOCKS, ARENA WAR UNLOCKS, PARACHUTES, WEAPONS, HAIRSTYLES, NIGHTCLUB POPULARITY, AND ACHIEVEMENTS
*UNLIMITED MONEY SUBSCRIPTION = FREE MONEY RE-MOD WHENEVER WITHOUT LIMIT
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TO AVAIL, YOU CAN SEND ME A MESSAGE ON REDDIT (u/KageKyoshin) OR JOIN THE DISCORD SERVER LINK BELOW

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I USE A DIFFERENT MENU NOW, THE VIDEO IS OUTDATED
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FOR STEAM, ROCKSTAR, AND EPIC LAUNCHER VERSION OF GTA ONLINE ONLY

PACKAGES:

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RP=ANY RANK (1-8000)
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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
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CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
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RP=ANY RANK (1-8000)
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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS
CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
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°$20 PACKAGE°

RP=ANY RANK (1-8000)
GTA $= UNLIMITED MONEY SUBSCRIPTION (FREE MONEY RE-MOD NO LIMITS,3 BILLION AS INITIAL MONEY)
ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

°$35 PRE-MODDED GTA ACCOUNT° (INCLUDES BASE GAME + MOD)

RP=ANY RANK (1-8000)
GTA $= UNLIMITED MONEY SUBSCRIPTION (FREE MONEY RE-MOD NO LIMITS,3 BILLION AS INITIAL MONEY)
ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

NOTE:

*ALL UNLOCKS INCLUDE:
BUNKER RESEARCH, FIGURES AND CARDS, FAST RUN, OFFICE AND BIKER DECOR, ALL OUTFITS, VEHICLES, TATTOOS, LSC UPGRADES, LS CAR MEET UNLOCKS, ARENA WAR UNLOCKS, PARACHUTES, WEAPONS, HAIRSTYLES, NIGHTCLUB POPULARITY, AND ACHIEVEMENTS
*UNLIMITED MONEY SUBSCRIPTION = FREE MONEY RE-MOD WHENEVER WITHOUT LIMIT
*I USE A PAID MOD MENU, NO NEED TO WORRY ABOUT BAN WAVES

TO AVAIL, YOU CAN SEND ME A MESSAGE ON REDDIT (u/KageKyoshin) OR JOIN THE DISCORD SERVER LINK BELOW

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FOR STEAM, ROCKSTAR, AND EPIC LAUNCHER VERSION OF GTA ONLINE ONLY

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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
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°$35 PRE-MODDED GTA ACCOUNT° (INCLUDES BASE GAME + MOD)

RP=ANY RANK (1-8000)
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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
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NOTE:

*ALL UNLOCKS INCLUDE:
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FOR STEAM, ROCKSTAR, AND EPIC LAUNCHER VERSION OF GTA ONLINE ONLY

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CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
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RP=ANY RANK (1-8000)
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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

°$35 PRE-MODDED GTA ACCOUNT° (INCLUDES BASE GAME + MOD)

RP=ANY RANK (1-8000)
GTA $= UNLIMITED MONEY SUBSCRIPTION (FREE MONEY RE-MOD NO LIMITS,3 BILLION AS INITIAL MONEY)
ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

NOTE:

*ALL UNLOCKS INCLUDE:
BUNKER RESEARCH, FIGURES AND CARDS, FAST RUN, OFFICE AND BIKER DECOR, ALL OUTFITS, VEHICLES, TATTOOS, LSC UPGRADES, LS CAR MEET UNLOCKS, ARENA WAR UNLOCKS, PARACHUTES, WEAPONS, HAIRSTYLES, NIGHTCLUB POPULARITY, AND ACHIEVEMENTS
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I USE A DIFFERENT MENU NOW, THE VIDEO IS OUTDATED
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FOR STEAM, ROCKSTAR, AND EPIC LAUNCHER VERSION OF GTA ONLINE ONLY

PACKAGES:

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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
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CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
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RP=ANY RANK (1-8000)
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ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS
CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
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°$20 PACKAGE°

RP=ANY RANK (1-8000)
GTA $= UNLIMITED MONEY SUBSCRIPTION (FREE MONEY RE-MOD NO LIMITS,3 BILLION AS INITIAL MONEY)
ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

°$35 PRE-MODDED GTA ACCOUNT° (INCLUDES BASE GAME + MOD)

RP=ANY RANK (1-8000)
GTA $= UNLIMITED MONEY SUBSCRIPTION (FREE MONEY RE-MOD NO LIMITS,3 BILLION AS INITIAL MONEY)
ALL UNLOCKS (INCLUDING CASINO DLC, CAYO PERICO DLC CONTENT, LS CAR MEET UNLOCKS AND RESEARCH)
MAX STATS CLEAR REPORTS AND BAD SPORTS
RESET MENTAL STATE
EDIT K/D STATS

NOTE:

*ALL UNLOCKS INCLUDE:
BUNKER RESEARCH, FIGURES AND CARDS, FAST RUN, OFFICE AND BIKER DECOR, ALL OUTFITS, VEHICLES, TATTOOS, LSC UPGRADES, LS CAR MEET UNLOCKS, ARENA WAR UNLOCKS, PARACHUTES, WEAPONS, HAIRSTYLES, NIGHTCLUB POPULARITY, AND ACHIEVEMENTS
*UNLIMITED MONEY SUBSCRIPTION = FREE MONEY RE-MOD WHENEVER WITHOUT LIMIT
*I USE A PAID MOD MENU, NO NEED TO WORRY ABOUT BAN WAVES

TO AVAIL, YOU CAN SEND ME A MESSAGE ON REDDIT (u/KageKyoshin) OR JOIN THE DISCORD SERVER LINK BELOW

NEW DISCORD SERVER FOR RECOVERY SERVICE: https://discord.gg/4N2dqX8vYv

CHECK BUY CHANNEL OF THE DISCORD SERVER

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GTAOnlineModService
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I USE DISCORD SCREEN SHARE SO CUSTOMERS CAN SEE ME MOD THEIR ACCOUNTS LIVE

ENABLE STEAM GUARD OR 2-FACTOR AUTHENTICATION FOR ACCOUNT SECURITY

HOW THE RECOVERY SERVICE IS DONE
I USE A DIFFERENT MENU NOW, THE VIDEO IS OUTDATED
https://www.youtube.com/watch?v=Xwy7cRV4Fqc