how do i get my sf-15
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Hey guys it's Sebastian from ask Sebby and today we are going to answer a bunch of your questions related to credit card upgrades product changes as well as bonuses associated with it the reason I emphasize ask and Sebby and why i've changed up the intro a few times recently is because google deepmind's Google a I is interpreting those words and the series of words in the intro as something else just a heads up in case or someone wondering about that due to the recent changes also if you are someone that wants to support the channel pretty easy way to do that that doesn't cost you anything is to give this video a thumbs up really supports us the first question is whether you can upgrade the card within the first year so if I apply for a freedom card right now and I realize that Chase Sapphire Preferred is a better fit can I do that upgrade within the first year or maybe Chase Sapphire Preferred to Chase Sapphire Reserve so you can not do this and this applies for other cards and other issuers as well due to something called the card act this is the credit card accountability responsibility and disclosures Act there's a lot to talk about within that act but the main takeaway for our purpose is that you cannot or they cannot charge an annual fee that's higher than what you agreed upon in the first year this is mostly targeted towards more subprime cards so cards to make sure that people aren't skinned and taken advantage of but for our purpose it means that they can't charge you a higher annual fee due to the loss so even though they would want you to upgrade to that higher annual fee card they legally can't do it because otherwise you're breaking the law and you could make the argument well why when they just gave you that higher annual fee card without charging you that higher annual fee and that's kind of like going into a steakhouse and ordering a hamburger and being like hey give me that Kobe beef product changes within the same annual fee range should be fine but it really just depends on the issuers and how they coded up the back ends so if you wanted to product change from the freedom to the freedom unlimited or to the slate card those should all be fine it really does depend on how they do their back end though just because they could have said it in a way that you can't do any product changes within the first 12 months to mitigate any risk of than breaking the law number two can I product change a card and get a bonus for that card so you typically cannot do this except for some chase cards and some American Express cards when offers are provided this is one of the most confusing parts about it

FAQ

How do I get my TDS back if I forgot to fill out my 15H?
simple…file your incometax and claim the deducted TDS (if salary is within no-tax criteria)
How to make facial hair grow?
If your body were to grow beard, it would have done it anyhow naturally, and you would have had a fully grown, nice, big, bushy beard even before completing your teens.However, for those like me, less blessed in the matter of beards, and hence craving to grow a nice one to look sexually more appealing, I’ve the following suggestions.Firstly, don’t use beard oils. Mind it, these oils won't help you grow even a single new beard hair. Also, the claim by the manufacturers, of accelerated growth of existing beard hair, is a load of bullshit. I've used such an entire 50ml bottle of beard oil. I used it as directed on its package, i.e., twice daily on the face after a face wash.The bottle takes around 2 months to get over and within that duration of 2 months, I used to shave occasionally. After the bottle got over, I didn't shave for next 2 months, whereas, the package said only 1 month, to see a nice growth of new beard hair. But all that grew was a Chinese moustache and goatee, which was growing anyway even without using that oil.And oh yes, have a nice burst of ugly and very stubborn pimples instead of beard hair.Next, let’s discuss about shaving. I suggest don't shave yourself, go to a saloon instead. Ask them to use that razor in which they insert half cut blades, also tell them to shave really close and insist on using alum stone as an aftershave.Having said that, I don't suppose that the ultra modern saloons use that primitive razor or alum stone, so try desi saloons instead. Give this a try, a well experienced barber will give you a very close shave. You won’t get that by yourself, shaving with a so called modern razor. A close shave seems to help sprout more hair.I recommend you to observe the following 3–1 routine. Go for a shave to a saloon once a week for 3 months. Then do a progress check, i.e, let your beard grow for 1 month. If you are not satisfied, then again go for once a week shave for 3 months. Follow this 3–1 routine till you get proper amount of beard hair. Once you are satisfied you may let your beard grow as much as you wish.I’m following this routine and it seems to work for me. However, I don’t claim that it’ll work for everyone. Needless to say, it requires a lot of patience.Indulge in heavy exercises to boost your testosterone levels. This in turn will promote your beard growth.ALSO, you need to throw away any skin products containing turmeric. Turmeric is known to destroy hair right from the roots. That's why women in South apply turmeric powder paste to get rid of body hair. I wish I’d known this much earlier because I was a loyal user of Vicco turmeric face cream for more than 5 years. Now I’m cursing myself for using it.Consult a dermatologist for beard growth. He might wave a magic wand (don't take it literally!!).Finally, the following link seems promising too. Have a look: 7 Ways to Grow a Beard Faster and Stimulate Facial Hair Growth
Mathematical Puzzles: What is () + () + () = 30 using 1,3,5,7,9,11,13,15?
My question had been merged with another one and as a result, I have added the previous answer to the present one. Hopefully this provides a clearer explanation. Just using the numbers given there, it's not possible, because odd + odd = even, even + odd = odd. 30 is an even number, the answer of 3 odd numbers must be odd, it's a contradiction. If what people say is true, then the question is wrongly phrased its any number of operations within those three brackets must lead to 30. Then it becomes a lot easier. Such as 15 + 7 + (7 + 1). That would give 30. But it assumes something that the question does not state explicitly and cannot be done that way. I still stick to my first point, it can't be done within the realm of math and just using three numbers, if not, then the latter is a way to solve it.EDIT:   This question has come up many times, Any odd number can be expressed as the following, Let [math]n, m, p[/math] be an odd number, [math] n = 1 (mod[/math] [math]2), m = 1 (mod[/math] [math]2), p = 1 (mod[/math] [math]2)[/math][math]n+m+p = 1 + 1 + 1 (mod[/math] [math]2)[/math]Let's call [math]n+m+p[/math] as [math]x[/math][math]= x = 3 (mod[/math] [math]2)[/math]Numbers in modulo n can be added, I'll write a small proof for it below, [math]a = b (mod[/math] [math]n), c = d (mod[/math] [math]n)[/math][math]a+c = b+d (mod[/math] [math]n)[/math]We can rewrite [math]b[/math] and [math]d[/math] in the following way, [math]n | (b - a) = b-a = n*p[/math] (for some integer p) [math]b = a + np[/math][math]b = a + np, d = c + nq[/math][math]b + d = a + np + c + nq[/math][math]b+d = a + c + n(p + q)[/math]Now we have shown that our result is true, moving forward, [math]3 = 1 (mod[/math] [math]2)[/math][math]x = 1 (mod[/math] [math]2)[/math]Therefore the sum of three odd numbers can never be even. It will always be congruent to 1 in mod 2.(This was what I wrote for a merged answer).Modular arithmetic  - Link on modular arithmetic, the basic operations. Modular multiplicative inverse - The multiplicative inverse in modular operations.Congruence relationFermat's little theorem Modular exponentiation - As title suggests.Good luck!
My mom wants me to get a job (I’m a 15 year old male). How do I find a job and do I need to fill anything out in order to get a job?
I suggest creating a resumé, just google for a resume template. I know you don’t think you have anything to put on it, but you can put classes you’ve taken at school, sports you play, any clubs you’re in, any community service (go do some if you haven’t- go do something at a nursing home or read to some kids at the library). ..Just a one pager.Once that’s done, print a few copies & get going. Go to stores you like or movie theaters, restaurants, anywhere you can think of.Ask if they’re hiring.If they say yes - ask if you can apply. They’ll give you an application. It’ll probably just ask you the same stuff as your resume. There may be a few questions specific to the job. I had to take a test to match bands with songs once in an interview to work at a record store…fill out the application & leave your resume.If they say no - ask if you can leave your resume with them. If they say no- say thanks for your time & go to the next place.When someone calls you for an interview, try to go at a time they suggest. Dress nice no matter what kind of place it is. Ties for jobs in offices or restaurants. Be yourself in an interview. Take another copy of your resume with you. Just answer their questions & if you don’t know something, admit it, don’t try to fake it. It’s your first job & they’ll know that. Your job is to impress upon them that you are responsible & eager to work & that you will come to work when you are supposed to. Tell them why you’re eager - being able to earn your own money, the responsibilities. Let them know that you will be able to work well with other people. Be respectful & polite.If you’re hired - be there on time, do your job well, be responsible, & be nice to people.
How can I get more people to fill out my survey?
Make it compellingQuickly and clearly make these points:Who you are and why you are doing thisHow long it takesWhats in it for me -- why should someone help you by completing the surveyExample: "Please spend 3 minutes helping me make it easier to learn Mathematics. Answer 8 short questions for my eternal gratitude and (optional) credit on my research findings. Thank you SO MUCH for helping."Make it convenientKeep it shortShow up at the right place and time -- when people have the time and inclination to help. For example, when students are planning their schedules. Reward participationOffer gift cards, eBooks, study tips, or some other incentive for helping.Test and refineTest out different offers and even different question wording and ordering to learn which has the best response rate, then send more invitations to the offer with the highest response rate.Reward referralsIf offering a reward, increase it for referrals. Include a custom invite link that tracks referrals.
How exactly can I get out of this comfort zone by motivating myself?
10 Ways to Get out of your comfort zone:Give more money than you feel comfortable with away tomorrow (amount is usually relative on your current situation)Answer a call from an unknown number. Even better if it's a debt collectorDo something others are waiting for someone else to do. Today at the post office, there was a long line. There was no one answering the door there to pick up packages. People would come in, ring the bell and wait. All of us in line knew they were wasting their time, but said nothing because we didn't want to look weird. I didn't say anything, so I failed at this because I didn't want to "stand out"Invite someone you don't know to meet for coffee (someone in your field). Don't stop at a no response, wait for someone to say No or the more common "My schedule is very busy, maybe another time."(A polite No)Talk to someone in an elevator. It's regularly NEVER done by 99% of people. You'll find most people are really pleasant, but no one wants to say the first word.If a waiter or barista or anyone messes up something today (work included). Don't "be nice" and let it go. That's back talk for "not wanting to make waves." Be polite and ask them to correct the mishap. My wife, infant and I were out at a restaurant and a waiter hadn't greeted us to start for over 10 minutes. My inners were saying, "Oh, don't worry someone will notice you, just sit tight." That's your inner back talk "wimp" voice. So, I got up, went to the manager and told him (politely) to have a waiter sent over immediately. They offered us a free appetizer for the mishap.Every person you walk past today, give a smile and "hello." Most people wait for the other person and then it just looks sad as 2 glum faces make eye contact. We don't want to look too "eager" or "weird." Do it, most will return it.As Matt said, ask for a discount somewhere. It doesn't have to be Starbucks. I just had a late fee on a credit card. My inners are telling me, "you deserve it, just let it go." I swallowed, dialed the bank, asked them to remove the late fee, and they did. Ask and you shall receive.At any point in the day you realize you haven't exercised at all (typically when you're in a lazy position) immediately get up and do a set of 25 pushups. It's hard. I'll couple this willpower exercise with getting up right when the alarm goes off. Immediately. Not even 10 seconds later. Right away. It's this same muscle that pushes you that builds new habits.Write a FB status about a failure you've had, or a personal story about struggle (without the "feel sorry for me" feel to it). When no one comments, celebrate the rejection. I once posted a status about one of my most embarrassing moments in my life on FB (from HS, I was in a talent show, everyone was looking forward to our band playing, I couldn't hear myself over the drums, I knew I sounded terrible based on the looks in the crowd, so I faked a cough to get off stage). NO ONE commented on FB. Awkward.
What are the best ways to lose weight?
I lost 100lbs in 120 days and here is how. The absolute first thing you need to do is take everything you think you know about weight loss and throw it right out the window. The second thing you need to do is not listen to 99.9% of these Doctors,Nutritionist, personal trainers and self proclaimed experts. If we as society are further in advancement of science,technology and modern medicine than ever before why are 76% of us overweight or even obese? I struggled with weight most of my life and I didnt even think I ate that much. I was about 330lbs and every single place I looked or person I spoke to would contradict what someone else had said. For every doctor that said one thing you can find another that will say the opposite. Every month, year, a new best diet, new best weight loss pill, atkins,keto….. stop just stop. I thought about our body, what we put in it and the evolution of mankind and society and it dawned on me. It's our food that's it. It's that simple. You will have a hard time finding early photographs of obese and over weight people. It's very difficult to make this short because I have learned so much about food, what's in it and what it does to us so here is the bare minimum basics. First off you need to research actual caloric intake for your sex,age,weight, and life style. The biggest myth I found that's based on literally no science is that we need 1500–2500 calories a day to survive. Those numbers that have become a “fact" are not true at all. They are based on a government survey done over 50 years ago polling what and how much the average American ate. Do you know how much food has changed in the last 50 years, where it comes from and what goes in it to sustain shelf life. You dont want to know but you need to know. Recent actual studies have shown that people who consume 1200 calories a day over the course of a year showed large mental,physical, and emotional improvements and if they were overweight obviously weight loss. Every thing I will mention is a scrape in the surface but Google these things dig deep past the mainstream “this is how it is” pages and look for recent medical studies etc. There are people that will tell you, you will starve to death on 800 calories or 1000 or 1200. Well that is true if it's 400 calories of French fries and 600 from a burger. Google what 100 calories of skinless chicken breast looks like, or grapes, or almonds, or tuna, or broccoli. I'm over 6ft and 220lbs and can not eat 12 servings of any of that in a day. Angus Barbieri a morbidly obese man under medical supervision did not eat any food for over a year. You heard that right he went 382 days with no food, taking in water, a multi vitamin, potassium supplements, and I think he drank tea. He lost 276lbs suffered no health problems, never put the weight back on and lived a normal healthy life until his natural death decades later. If you are over weight you have stored energy your body will begin to consume, so if you're very over weight you need to take in less. You will hear that its unhealthy or even impossible to lose a lb a day, or you must be dehydrated. Thats also untrue and research will show you why the 3500 calories equals 1lb weight loss theory is incorrect. I lost a little over 100lbs in 120 days. Some days I lost nothing one day i lost 6 but remember I'm a big a guy. If you're a 5ft 8 180lb woman you wont loose weight at the same pace as I did remember i was nearly twice that in weight. You will shed weight fast though and in a healthy manor. Personally for me I have never ate as much or drank as much water as I do now. I never use to even drink water. The bottom line is eat what is natural, do not eat any of these man made inventions and recipes. No lean cuisines no processed foods or liquids. If it didn't 100 percent come out of the ground, grow on tree,bush or was born dont eat it. You might think this sounds boring but the more you learn the more recipes and new foods you'll find. I'll tell you this also if you do this your body will actually detox and become clean of the chemicals that's in it. I tried to drink a lemonade 3 months after eating only natural foods and drinking just water and it tasted like I stuck a straw in a bag of sugar. Your brain will reset I'm telling you it's amazing. You have no idea how good a strawberry taste or an apple. It's amazing what happens and how different you will feel. I know this is a little drawn out and just scratched the surface but it's a starting point. It's going to be more of a mental task than a physical one. You absolutely have to change your lifestyle. If you are over weight you're eating unhealthy and you are more than likely overeating. That's it, you don't have to be spiritual to realize however we all got here it probably was not meant for us to live off of what most of do now. You can find a balance I had tacos last week and I cant give up basic potato chips lol. But I'll tell you the tacos, they dont taste like I remember they arent as good after I feel buzzed and lathargic. I like eating natural now and crave it. Im not a skinny vegitarian type guy either I'm 220lbs, and I feel better than ever. Do the research and make a change. It's worth it, and so are you. I'm almost 40 years old and feel like I'm a kid again.UPDATEI have had some people question my hardwork so I will update this post 1 time. Not to defend myself but to show people who are struggling with weight that it really can be done and don't give up. For those who do understand my tattoos they are a work in progress but I have had none added in over a year never have had any removed. This is 100% me and real. When you take pictures in front of mirrors the image is reversed. Below is a picture of me posted on my IG at a car show Feb 2 with one of my cars I built, as well as a zoomed in screen shot of that post to show you how big i was in Feb Still, one of me in May a few more recent ones as I am still a work in progress. I have photos and videos documenting every step of my story. I also would lik to share a picture of my beautiful better half who embraced a lifestyle change with me and lost 40lbs herself in the same time frame she is so amazing!
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