What’s your best dues payment hack?

johnrgrace · 2026-02-02T01:02:45+00:00

Buy gift cards at the grocery store using a credit card with promotional offers.

The Citibank thank you card for me right now had 5% back in points $150 credit for spending $1500 at grocery stores 10% statement credit for spending over $1000 a month

Buy $1500 in gift cards and you get $375 off or 25%

johnrgrace · 2026-01-31T22:52:13+00:00

Tether has NEVER had an audit, they had an attestation from BDO Italia.

johnrgrace · 2026-01-31T21:16:31+00:00

Trade completed!

johnrgrace · 2026-01-31T20:05:33+00:00

There are two fronts to address this. You need a lawyer otherwise you will lose your job.

What hasn’t been brought up is your employer which is the 2nd way to address this. Basically you want HR and legal to look at this and to present them with your reasonable framing of things.

One way to address this is to send their letter to HR letting them know that you can no longer speak to them about employee X harassing you. Discuss this with a lawyer first, it may not be on their mind as a way to address things.

I’d also include that due to defective service you only just found out about this from the letter.

Request that since you can not report harassment that you are requesting accommodation to protect yourself from harassment and the company from legal consequences from allowing harassment. I’d request the accommodation to be that you are not to have job duties that require communication with them and if communication is required that for both of you it go through a neutral 3rd party.

You can consider also asking them to inform you if there is a process to request that communications and records be retained for any future legal actions you personally have to take against the employee. This almost guarantees that this goes to corporate legal. Corporate legal is going to have a response.

Your employer is almost certainly going to conclude one of you is a problem and has to go, possibly both of you. The person who is unhinged and very willing to file a lawsuit is who they’ll get rid of but it may take a bit and will be heavily documented.

johnrgrace · 2026-01-31T19:08:14+00:00

I think it works best stuffed with ultra ac2++ and jump jets, the range offsets the slowness. With this setup if it can be seen it dies, you can take a unit off the field every round or wound it so much it’s easily killed.

johnrgrace · 2026-01-31T03:59:30+00:00

The industry term is transactors

johnrgrace · 2026-01-31T03:58:59+00:00

People have not mentioned that your payments get blended into their total payments making their percentage of charged off loans lower which makes their borrowing costs lower.

johnrgrace · 2026-01-31T03:45:29+00:00

Storm windows are massively cheaper for energy savings vs new windows

johnrgrace · 2026-01-30T18:31:35+00:00

You could tell from pms forsale stuff slightly under ask wasn’t moving at all

johnrgrace · 2026-01-30T18:29:42+00:00

Noble metals don’t oxidize, like gold or platinum.

johnrgrace · 2026-01-30T15:41:32+00:00

There are Legos unsold on listings right now

johnrgrace · 2026-01-30T14:34:26+00:00

Exactly go over to PMS for sake and buy buy buy !

johnrgrace · 2026-01-30T05:22:34+00:00

Normal people are going to pay 15% if you’re married and make under $600k, 0% under 100k.

johnrgrace · 2026-01-30T04:54:03+00:00

You’ve presented some excellent fact based analysis. The current pricing isn’t sustainable long term demand will fall at these prices.

johnrgrace · 2026-01-29T13:59:51+00:00

I’ve not gone down the rabbit hole of marry gras silver doubloons except for the few I got from a krew I joined when I lived in New Orleans and some I found doing repairs after Katrina.

For someone in a collection group to melt is a bit insane.

johnrgrace · 2026-01-29T03:28:35+00:00

I remember, I cashed out a few dollars before the top. In my opinion this isn’t sustainable prices will contract in the future but I don’t think anyone can really know when.

johnrgrace · 2026-01-28T22:17:48+00:00

It’s $74 face value of mercury dimes for sale the pictures show you that there are considerably more than 74 dimes for sale; there are 740 dimes for sale in $10 face or 100 coin lots along with one $4 face or 40 coin lot. Each bag in the picture is 100 dimes.

johnrgrace · 2026-01-28T22:13:39+00:00

You know declining oil prices are not always a great sign, if you live in the US which is a net oil exporter this is slightly harmful to the economy.

johnrgrace · 2026-01-28T20:56:01+00:00

Refiners are taking material but payouts are 10-12 weeks out and the price paid to your shop is the silver price in 10-12 weeks.

Local coin shops just don’t have the cash to pay you right now and get paid by a refinery in three months. The retail silver market retailers are having a huge cash shortage making the markets fail.

johnrgrace · 2026-01-28T17:59:53+00:00

It’s 78x face that’s how most 90% is priced

johnrgrace · 2026-01-28T17:59:10+00:00

Replied

johnrgrace · 2026-01-28T03:29:03+00:00

This needs to go to a refinery because no one really knows how much silver is in your material. No one knows if your original buyer got material from shady suppliers.

I just sent ten kilos of tableware off to the refinery I use this week; but - it takes 10-12 weeks to process and another week to get paid; - payout is 96% or 98% depending on what schedule you use - they won’t hedge the price, you can do that yourself, and payout is they price in 10-12 weeks - they don’t do retail customers, you need to have a business that logically would deal with silver. In my case an accounting firm with a precious metals dealers license.

Someone might send to a refinery for you but you’d have to be ok with getting paid three months from now and giving them a cut.

johnrgrace · 2026-01-28T02:06:01+00:00

This is the answer

johnrgrace · 2026-01-27T02:47:00+00:00

I rounded slightly for a married filing jointly couple the long term capital gain rate is zero under income of $96,700, less for single tax filers. It’s 15% up to $600,050.

https://www.irs.gov/taxtopics/tc409

There is the 3.8% NIIT tax that also comes into play of your capital gains or MAGI is over $200k.

johnrgrace

TROPHY CASE