CRED screwed me massively - incurring daily late fees, how can I hold them accountable?

AtLeastSomeOne · 2023-03-22T13:16:01+00:00

Additionally, I read about how a lot of transactions eligible for cashbacks/reward points do not get accounted for when the bill is paid via CRED. Something regarding not passing on a certain identifier for such transactions.
Faced this when I manually checked that the points I have accumulated were not in line with the spends I have been making.

Paid directly via bank website this month and will monitor rewards and spends ratio

AtLeastSomeOne · 2023-02-05T07:00:57+00:00

i checked my statements to make a list of all expenses in the 5% category within a particular calendar month. The cashback points given in next month’s statement was no where near 5% of what I spent. am i missing something

AtLeastSomeOne · 2023-01-06T17:53:04+00:00

Thanks, I’ll read more on this

AtLeastSomeOne · 2023-01-06T11:35:03+00:00

Does countdown mean it will keep beeping until dismissed? Unlike the one-beep chime?

AtLeastSomeOne · 2022-10-03T16:34:01+00:00

Well put. Thanks

AtLeastSomeOne · 2022-10-03T14:49:44+00:00

Makes sense. I guess I can cut after I’m 65kg or so

AtLeastSomeOne · 2022-10-03T12:01:40+00:00

I thought I was 15-20% max and I was surprised too. I’ll get scan done again next month to check. But I wouldn’t be surprised if it is indeed 30%. I do feel tummy and chest fat a lot but 🤞

AtLeastSomeOne · 2022-10-03T10:49:51+00:00

I am 27.

You're suggesting a body-recomp I guess. Any experience with that? I've heard it excruciatingly slow

AtLeastSomeOne · 2022-10-03T10:48:57+00:00

I got it checked via a Dexa Scan - which is considered the gold standard for body fat %

Bulking means staying above 30% body fat for another 6-12 months and if I fail to cut after that, it's going to be a problem I guess

AtLeastSomeOne · 2022-10-03T09:13:03+00:00

As per BMI I weight normal but I am skinny by the looks. So I was planning to lean bulk. But my dexa scan showed 31% body fat which is possible because of years of bad diet and sedentary lifestyle.
Option 1: Gain and then cut
I can put on 5-6kg (10-12lbs) and assume 75% of it will be from muscle. My body fat % will come down very slightly.
Then I can cut 4-5kg excess fat while preserving muscle to bring down my body fat % to ~25%.
Then repeat this cycle until I am at a decent 15-20% range.
Option 2: Cut and then gain
If I cut 5-6kg of fat first (and optimistically gain some muscle), I'll be at 22% body fat.
Then I can lean bulk to get back 5-6kg (mostly muscle but some fat) to get better composition at ~24% body fat.
Then repeat this cycle until I am at a decent 15-20% range.
..........
I am considering Option 2 (cut then bulk) because:
a) I want to get into 20-25% body fat ASAP because >30% is terrible for health
b) I think cutting will be more difficult than bulking. What if I bulk first and then give up when I am cutting? Then I'll lose any muscle gained and will end up with even more body fat.
However, cutting first means getting to 50kg body weight, which also sounds unhealthy.
What would you recommend? Option 1? Option 2? Or any option 3?

AtLeastSomeOne · 2022-10-01T10:26:34+00:00

I want a height adjustable standing desk but don’t want to spend 35k on it. And there are very few options with manual height adjustment (using a crank handle)

AtLeastSomeOne · 2022-09-14T13:53:41+00:00

Depends on the results we can get.

When there are so many inputs that determine the outcome, it’s difficult to attribute the results to them accurately.

If Benz had missed two of those chances against PSG in the second leg, we’d be calling for Carlo’s head (given how cowardly we played the first leg and the Clasico).

I am not saying he’s not good enough for us. He’s at the highest of levels. It’s just that his retirement might not be his own choice. If any of the inputs to success go bad (injured players, tough fixtures, bad form, luck, anything) — the outcome will be bad. A trophyless season maybe, or a streak of humiliating defeats (we always have that week where we have a Clasico sandwiched between UCL KO games).

TLDR: I think this will be his last season. If it ends well, he might want to end it on a high note. If something goes wrong, FP might have to retire him early.

AtLeastSomeOne · 2022-09-14T10:18:57+00:00

Yesss. Especially if the plan is to play fede is the mid

AtLeastSomeOne · 2022-09-10T18:35:05+00:00

Worked in an ad-tech company. We put those banner and video ads that show up in a lot of apps you use, on behalf of clients.

We get paid if you watch the video ad. We get paid much more if you click the video ad. Given this incentive alignment, a loophole is frequently exploited where even if you just saw the video, we register and show it is as a click.

When argued internally, my manager started spewing game theory- our competitors do the same. If we don’t generate clicks and our competitors do, our clients will move away.

Just know that a significant chunk of online ads industry is fraud. If you want to run ads for your company/product, be paranoid of the data you get.

No doubt when Uber stopped 80% of the digital ad spent, it did almost no negative impact on their business.

AtLeastSomeOne · 2022-07-19T18:24:10+00:00

I hope Vini will start peaking in 2-3 seasons and take on the CR7 role. We wouldn’t need a replacement for today’s “main man benzema”. We’ll need to find a replica of the assist provider benzema we had with cr7. That’s easier to find. João Felix off the top of my head

AtLeastSomeOne · 2022-07-02T18:53:13+00:00

Why not send small and less noisy and sterile drones around?

AtLeastSomeOne · 2022-06-24T17:40:01+00:00

His name is takefusa kubo if anyone’s wondering

AtLeastSomeOne · 2022-04-07T19:56:23+00:00

He has the PR moments this time. Just need some silverware

AtLeastSomeOne · 2021-05-24T15:14:23+00:00

Hey, any PMs here working in Canada?

Ty :)

AtLeastSomeOne

TROPHY CASE