Sample counter proposal letter debt settlment

Genuinely Curious What Experts Think About This

2024.05.17 12:29 SebbSebby Genuinely Curious What Experts Think About This

Genuinely Curious What Experts Think About This
Thoughts about this cover letter?
submitted by SebbSebby to Upwork [link] [comments]


2024.05.17 05:56 MCATSelfPrep How to Get Off the Waitlist and Negotiate Better Financial Aid for Medical School

How to Get Off the Waitlist and Negotiate Better Financial Aid for Medical School

Written and edited by the MCAT Self Prep Tutoring Team
Home of the Free MCAT Prep Course
It’s that time of year again! Every April, medical school applicants begin the last phase of the medical school journey: negotiations.
While you can still maintain all of your positions on any waitlists, this narrowing process allows for mobility. New spots become available for individuals to move off of waitlists, additional financial aid frees up to be redistributed, and added movement creates the perfect opportunity for negotiation. These tips helped me turn my dream school (UCLA) from one of my most expensive initial offers into the cheapest option overall! Through our admissions consulting program, these strategies have also helped my students get into top 10 medical schools and save hundreds of thousands of dollars in financial aid. I hope they can help you too!
Whether you are hoping to turn a waitlist into an acceptance or get more financial aid, you must understand that asking never hurts. The worst thing that can happen in negotiation is that the medical school says…. no. If the worst-case scenario plays out, you’ll simply be back in the exact position from where you started. With a huge potential payoff and minimal downside, realize that advocating for yourself at this stage may be the most critical piece in applying to medical school. This realization empowered me to be bold in three key ways.

1. Communicating interest/intent (most important)

To achieve success in negotiation, medical schools need to know that they will gain something from the process. Your most powerful bargaining tool is your willingness to attend their institution. Understand that medical schools care deeply about their retention rate (the percentage of admitted students who ultimately choose to attend). Even the schools with the highest retention rates only retain about 70% of their admitted students. So if a school can guarantee that they will keep you, this dramatically improves your chances of a successful negotiation.
When negotiating, you can extend promises to various schools depending on your interest level. The strongest commitment you can send a school is “____ is my top choice for medical school and I will attend ____ if admitted, no matter the cost or other circumstances.” This commitment is the best thing you can say to increase your odds of turning a waitlist into an acceptance. The next most powerful thing you could say would be, “This is my top choice and I will attend ____ if admitted, barring any significant financial barriers.” This allows for some wiggle room if you ultimately decide not to attend. The least strong statement you can make is, “____ is one of my top choices for medical school and I am extremely interested in matriculating, barring any significant financial restraints, etc.”
This final statement does not guarantee anything to the given school other than your interest. However, if you make these statements, you must follow through with your promises. While you want to make the school believe that you will attend, you do not want to lie. Lying in negotiations is not only wrong, but it can ultimately hurt your chances if discovered. You must follow through with any clear commitments that you make. Remember, the more a school is convinced of your commitment to attend, the more favorably they will treat you.

2. Updates

Updates are another essential part of negotiation. They communicate your interest in the school and potentially sway a committee to extend you an acceptance or more aid. Yet, updates are not as important as expressing interest. For the most part, if a school interviewed you, that means that they believe you could succeed at their institution academically.
Understand that once you make it past the interview, your job is to show how you would contribute to the class, not to prove that you are competent. New publications, significant awards, and updated hours help to establish a pattern of excellence but try to frame these updates into how they would benefit your classmates rather than how impressive they make you seem.

3. Negotiating with multiple medical school offers

Whether hoping to move off of a waitlist or more financial aid, you should always use competing offers as bargaining tools. If you are hoping to get off of a waitlist, use other offers as a way to express your commitment to your top choice waitlists. Tell them that you would instead attend school ____ than your current offer. If you can promise them that you will attend, this will further increase your commitment in their eyes. Other offers can also help negotiate financial aid with competing schools. Be careful. Playing schools off each other can be extremely delicate as you still want to establish that you are deeply committed to attending the school of interest.
However, you’ll need to play hard to get. If you tell them directly that you will happily attend with their current financial package, there will be no need for them to increase your aid. Not all schools are open to negotiation, but if they are willing, I would highly recommend this approach. For example, you could express that attending a different school would allow for a lower cost, better location, proximity to family, any factor that could influence your decision. Ultimately, simply asking could save you thousands of dollars.
Here is a sample letter:
This opening letter establishes intent, using the second-highest form of commitment: commitment to enroll if there are not significant financial barriers. I also told the school that they were my #1 choice. Here, I promise to attend their school if they offer a specific amount.

Bonus Tip: Playing hard to get

Remember that sometimes you need to start with a higher request in negotiations than what you expect. In negotiation, the receiving end may counter-offer with a lower amount until you arrive at a happy medium. This is exactly what happened to me! The school I negotiated with came back and offered me more aid, but an amount that was significantly less than I had hoped. In response, I decided to play hard-to-get. While I do not always recommend this choice, there was nothing to lose at this point.
Again, I cannot stress enough the maintaining your commitment to attend the school. Even while playing hard to get. Your commitment to attend the school is your most powerful bargaining chip, do not spend it lightly.
After sending this letter, the school I was negotiating with came back with the offer that I was hoping. Now, I will never know whether this letter was the ultimate reason for my successful negotiation, but similar tactics have worked for other students as well. I hope these tips help get you off waitlists and negotiate for better financial aid. Medical school is incredibly expensive, but remember that this investment will be worth it regardless of cost.
If you need personalized help in applying for medical school, please reach out for a FREE consultation. We also offer an application advising course and one-on-one consulting sessions for those needing a personalized advantage. Just starting out, boost your MCAT score with our 100% FREE eCourse that covers everything you need to know for the MCAT. I used this free course and it helped me get a perfect 528 score on the MCAT!
Warm regards,
Theo
Theo scored a perfect score (528) on the MCAT and has been accepted at Harvard, UPenn, Columbia, UCLA, and other top 10 medical schools across the country.
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2024.05.16 21:59 Immediate_Ad7035 Equipment lease advice

I've defaulted on a equipment lease in November 23. However in Jan 24 the finance company asked if I would rent the equipment at a lower price. They said this would avoid court and repossessing the equipment. Allow me to continue to use it for another year at which time i could renew, give it back or start a new lease. I agreed and while finalizing the details over the phone their representative ended the call for no reason. May 24 they sent me letter from a lawyer saying pay full amount and return equipment or they will sue me. I can afford the rent we agreed upon and however I have other debt that I'm doing a consumer proposal for. The trustee says that I have to include the lease as part of the proposal.Is this true?
How can they ask for payment and equipment?
Once they lease or sell it, they will be making double the money. The equipment has not lost value. I was hoping that the lawyer or finance company would void the lease and honor the agreement for rent. If I return the equipment it will cut my business in half.
If i file the proposal with them included can i make a deal after wards to rent the equipment and can a creditor be removed from a consumer proposal at a latter date after the fact?
Can I sue the finance company for not completing the rental agreement as agreed.?
Do I have any other options to keep the equipment?
submitted by Immediate_Ad7035 to legaladvicecanada [link] [comments]


2024.05.16 19:10 Professional_Disk131 Element79 Gold Corp Completes Maverick Springs Option Deal (CSE:ELEM, OTC:ELMGF)

Element79 Gold Corp Completes Maverick Springs Option Deal (CSE:ELEM, OTC:ELMGF)
  • Element79 Gold successfully manages a diverse portfolio, optimizing financial returns and advancing key projects such as the high-grade Lucero project in Peru.
  • The company demonstrates a strong commitment to sustainable mining and community collaboration, notably through partnerships with local artisanal miners to enhance mutual economic benefits.
  • Through strategic sales and partnerships, such as the Maverick Springs transaction, Element79 Gold enhances its financial stability and provides non-dilutive capital to fuel further exploration and development.

https://preview.redd.it/lbfmqh23mt0d1.png?width=461&format=png&auto=webp&s=d323973719f815db48c89180bbbe76f7bbeff071
Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has successfully concluded the Binding Option Agreement with Sun Silver Limited, resulting in the transfer of ownership of the Maverick Springs Project to Sun Silver. This achievement marks a significant step in Element79 Gold Corp.’s ongoing strategy to enhance shareholder value through judicious asset management and partnerships.

https://preview.redd.it/og4oh4y3mt0d1.jpg?width=982&format=pjpg&auto=webp&s=c26091616a3b0e84951c5edfd686e8ec6414cca4
About Element79
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS), a mining entity focused on gold and silver, is strategically positioning itself for significant operational advancements. The company is on track to recommence production at its Lucero project in Arequipa, Peru, targeting a restart by 2024. Lucero, known for its high-grade deposits, stands as a cornerstone in Element79 Gold’s portfolio.
In addition to its developments in Peru, Element79 Gold holds an impressive suite of assets along the Battle Mountain trend in Nevada. This includes the promising Clover and West Whistler projects, which show potential for rapid resource development. Notably, three properties within this portfolio are poised for sale to Valdo Minerals Ltd., with the transaction expected to be finalized in the first half of 2024.
Expanding its geographical footprint, Element79 Gold is also making strides in British Columbia. The company has initiated a drilling program and signed a Letter of Intent to acquire a private company holding an option for 100% interest in the Snowbird High-Grade Gold Project. This project comprises 10 mineral claims located strategically near Fort St. James, reinforcing the company’s asset base in central British Columbia.
Further enhancing its asset management strategy, Element79 Gold has moved its Dale Property, located approximately 100 km southwest of Timmins, Ontario, into a spin-out process through its wholly owned subsidiary, Synergy Metals Corp. This strategic realignment is aimed at maximizing shareholder value through efficient asset utilization and focused corporate structuring.

https://preview.redd.it/hov00vm4mt0d1.jpg?width=982&format=pjpg&auto=webp&s=6c131a5a0e9da843ef9a9ba13b1ed9e13ee8bad7
Highlights of Element79 Gold’s Strategic Developments
Since its acquisition in 2021, Element79 Gold has diligently advanced the Maverick Springs project, culminating in an updated 43-101 compliant inferred resource estimation of 3.71 million ounces of gold equivalent (AuEq).
In pursuit of strategic partnerships to further develop Maverick Springs, Element79 Gold’s management successfully negotiated and entered into a Binding Option Agreement with Sun Silver in August 2023. This pivotal move aligns with the company’s strategic focus on the high-grade Lucero Project in Peru, which boasts near-term production potential. The transaction with Sun Silver not only shifts the company’s focus but also realizes significant value for Maverick Springs. Originally acquired and carried at CAD $3.337 million, the project was sold for CAD $5.033 million, reflecting an impressive return on investment of 51% within 28 months.
The sale generated substantial financial gains for Element79 Gold, amounting to CAD $4,400,000 in cash and 3,500,000 ordinary shares in Sun Silver, valued at AUD $0.20 per share (fair market value of AUD $700,000). These shares are anticipated to be listed on the Australian Stock Exchange around May 15, 2024.
A portion of the proceeds, CAD $2,200,000, will be allocated to settle the loan tied to the Waterton Contingent Value Rights Agreement. The remaining funds will be strategically used to further the development of other corporate projects and operations, reducing both capital debt and accounts payable. This strategic financial management underscores Element79 Gold’s commitment to optimizing its asset portfolio and enhancing shareholder value in the competitive mining sector.
Key Financial Highlights
  • Updated Resource Estimation: 3.71 million ounces of gold equivalent (AuEq).
  • Sale of Maverick Springs: Achieved a final sale value of CAD $5.033 million, marking a 51% ROI over 28 months from an acquisition and carrying cost of CAD $3.337 million.
  • Proceeds from Sale: Totaling CAD $4,400,000 in cash and 3,500,000 shares in Sun Silver, priced at AUD $0.20 per share.
  • Share Listing: Shares expected to be listed on the Australian Stock Exchange around May 15, 2024.
  • Loan Repayment: CAD $2,200,000 of the proceeds will be used to settle the loan associated with the Waterton Contingent Value Rights Agreement.
  • Funding Future Projects: Remaining funds will be used to advance other corporate projects and operations, while reducing capital debt and accounts payable.
“The successful closing of the transaction highlights Element 79’s steadfast dedication to executing its strategic roadmap. This is a critical milestone in the Company’s history: it stands as proof of our team’s ability to generate value through project execution, and indicates a potential turning point in our ongoing mission to build a stronger and more focused company; it reinforces diligent financial management by to clearing up the balance sheet from past endeavours, and it provides non-dilutive capital to support operations and advance strategic exploration programs on our core properties to generate further value for our investors.“
James Tworek, CEO of Element 79 Gold Corp

https://preview.redd.it/pgx7rjg5mt0d1.jpg?width=982&format=pjpg&auto=webp&s=d4b2c211f4ee3bffd91366dff364048891e33471
Collaboration with Artisanal Miners at Element79 Gold
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has actively engaged with local artisanal miners in Lomas Doradas to promote sustainable mining practices and community collaboration. In April, the company’s community relations team organized a significant meeting aimed at enhancing mutual support and establishing a formal collaboration for mineral extraction and ore sale processes.
During this meeting, Element79 Gold presented draft contracts proposing 10-year surface access rights for exploration at the Lucero mine site, alongside similar access for local miners in designated areas. These agreements were intended to unify efforts and optimize ore market pricing, with the goal of creating mutual economic benefits.
A critical follow-up meeting was held in Chachas on April 28th, where the community voted on these initiatives. This gathering aimed to solidify the partnership between Element79 Gold and the artisanal miners, moving towards formalizing their cooperative relationship and ensuring continued updates on the initiative’s progress.
Conclusion
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) is exemplifying strategic acumen and operational dexterity across its diverse portfolio. By actively managing its assets from the Lucero project in Peru to strategic ventures across Nevada and British Columbia, the company is effectively balancing exploration potential with financial stability. The successful negotiation and sale of the Maverick Springs project, alongside collaborative engagements like those with the artisanal miners of Lomas Doradas, highlight Element79 Gold’s commitment to ethical practices and community involvement.
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2024.05.16 19:07 Professional_Disk131 Element79 Gold Corp Completes Maverick Springs Option Deal (CSE:ELEM, OTC:ELMGF)

Element79 Gold Corp Completes Maverick Springs Option Deal (CSE:ELEM, OTC:ELMGF)
  • Element79 Gold successfully manages a diverse portfolio, optimizing financial returns and advancing key projects such as the high-grade Lucero project in Peru.
  • The company demonstrates a strong commitment to sustainable mining and community collaboration, notably through partnerships with local artisanal miners to enhance mutual economic benefits.
  • Through strategic sales and partnerships, such as the Maverick Springs transaction, Element79 Gold enhances its financial stability and provides non-dilutive capital to fuel further exploration and development.

https://preview.redd.it/rprrdytslt0d1.png?width=461&format=png&auto=webp&s=ceb8a70577e26a8e32d97c3512647d8c625a4ed9
Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has successfully concluded the Binding Option Agreement with Sun Silver Limited, resulting in the transfer of ownership of the Maverick Springs Project to Sun Silver. This achievement marks a significant step in Element79 Gold Corp.’s ongoing strategy to enhance shareholder value through judicious asset management and partnerships.

https://preview.redd.it/wu3i2hytlt0d1.jpg?width=982&format=pjpg&auto=webp&s=8fc06eb43b22b9613f26d769f859af47f6c03c64
About Element79
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS), a mining entity focused on gold and silver, is strategically positioning itself for significant operational advancements. The company is on track to recommence production at its Lucero project in Arequipa, Peru, targeting a restart by 2024. Lucero, known for its high-grade deposits, stands as a cornerstone in Element79 Gold’s portfolio.
In addition to its developments in Peru, Element79 Gold holds an impressive suite of assets along the Battle Mountain trend in Nevada. This includes the promising Clover and West Whistler projects, which show potential for rapid resource development. Notably, three properties within this portfolio are poised for sale to Valdo Minerals Ltd., with the transaction expected to be finalized in the first half of 2024.
Expanding its geographical footprint, Element79 Gold is also making strides in British Columbia. The company has initiated a drilling program and signed a Letter of Intent to acquire a private company holding an option for 100% interest in the Snowbird High-Grade Gold Project. This project comprises 10 mineral claims located strategically near Fort St. James, reinforcing the company’s asset base in central British Columbia.
Further enhancing its asset management strategy, Element79 Gold has moved its Dale Property, located approximately 100 km southwest of Timmins, Ontario, into a spin-out process through its wholly owned subsidiary, Synergy Metals Corp. This strategic realignment is aimed at maximizing shareholder value through efficient asset utilization and focused corporate structuring.

https://preview.redd.it/26tim6wult0d1.jpg?width=982&format=pjpg&auto=webp&s=1d482984f7da22777d5623234c9b3ca659815df5
Highlights of Element79 Gold’s Strategic Developments
Since its acquisition in 2021, Element79 Gold has diligently advanced the Maverick Springs project, culminating in an updated 43-101 compliant inferred resource estimation of 3.71 million ounces of gold equivalent (AuEq).
In pursuit of strategic partnerships to further develop Maverick Springs, Element79 Gold’s management successfully negotiated and entered into a Binding Option Agreement with Sun Silver in August 2023. This pivotal move aligns with the company’s strategic focus on the high-grade Lucero Project in Peru, which boasts near-term production potential. The transaction with Sun Silver not only shifts the company’s focus but also realizes significant value for Maverick Springs. Originally acquired and carried at CAD $3.337 million, the project was sold for CAD $5.033 million, reflecting an impressive return on investment of 51% within 28 months.
The sale generated substantial financial gains for Element79 Gold, amounting to CAD $4,400,000 in cash and 3,500,000 ordinary shares in Sun Silver, valued at AUD $0.20 per share (fair market value of AUD $700,000). These shares are anticipated to be listed on the Australian Stock Exchange around May 15, 2024.
A portion of the proceeds, CAD $2,200,000, will be allocated to settle the loan tied to the Waterton Contingent Value Rights Agreement. The remaining funds will be strategically used to further the development of other corporate projects and operations, reducing both capital debt and accounts payable. This strategic financial management underscores Element79 Gold’s commitment to optimizing its asset portfolio and enhancing shareholder value in the competitive mining sector.
Key Financial Highlights
  • Updated Resource Estimation: 3.71 million ounces of gold equivalent (AuEq).
  • Sale of Maverick Springs: Achieved a final sale value of CAD $5.033 million, marking a 51% ROI over 28 months from an acquisition and carrying cost of CAD $3.337 million.
  • Proceeds from Sale: Totaling CAD $4,400,000 in cash and 3,500,000 shares in Sun Silver, priced at AUD $0.20 per share.
  • Share Listing: Shares expected to be listed on the Australian Stock Exchange around May 15, 2024.
  • Loan Repayment: CAD $2,200,000 of the proceeds will be used to settle the loan associated with the Waterton Contingent Value Rights Agreement.
  • Funding Future Projects: Remaining funds will be used to advance other corporate projects and operations, while reducing capital debt and accounts payable.
“The successful closing of the transaction highlights Element 79’s steadfast dedication to executing its strategic roadmap. This is a critical milestone in the Company’s history: it stands as proof of our team’s ability to generate value through project execution, and indicates a potential turning point in our ongoing mission to build a stronger and more focused company; it reinforces diligent financial management by to clearing up the balance sheet from past endeavours, and it provides non-dilutive capital to support operations and advance strategic exploration programs on our core properties to generate further value for our investors.“
James Tworek, CEO of Element 79 Gold Corp

https://preview.redd.it/cng906pwlt0d1.jpg?width=982&format=pjpg&auto=webp&s=c7be47a701ab68ea20ee745edd508cfc37a6d773
Collaboration with Artisanal Miners at Element79 Gold
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has actively engaged with local artisanal miners in Lomas Doradas to promote sustainable mining practices and community collaboration. In April, the company’s community relations team organized a significant meeting aimed at enhancing mutual support and establishing a formal collaboration for mineral extraction and ore sale processes.
During this meeting, Element79 Gold presented draft contracts proposing 10-year surface access rights for exploration at the Lucero mine site, alongside similar access for local miners in designated areas. These agreements were intended to unify efforts and optimize ore market pricing, with the goal of creating mutual economic benefits.
A critical follow-up meeting was held in Chachas on April 28th, where the community voted on these initiatives. This gathering aimed to solidify the partnership between Element79 Gold and the artisanal miners, moving towards formalizing their cooperative relationship and ensuring continued updates on the initiative’s progress.
Conclusion
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) is exemplifying strategic acumen and operational dexterity across its diverse portfolio. By actively managing its assets from the Lucero project in Peru to strategic ventures across Nevada and British Columbia, the company is effectively balancing exploration potential with financial stability. The successful negotiation and sale of the Maverick Springs project, alongside collaborative engagements like those with the artisanal miners of Lomas Doradas, highlight Element79 Gold’s commitment to ethical practices and community involvement.
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2024.05.16 19:05 Professional_Disk131 Element79 Gold Corp Completes Maverick Springs Option Deal (CSE:ELEM, OTC:ELMGF)

Element79 Gold successfully manages a diverse portfolio, optimizing financial returns and advancing key projects such as the high-grade Lucero project in Peru. The company demonstrates a strong commitment to sustainable mining and community collaboration, notably through partnerships with local artisanal miners to enhance mutual economic benefits. Through strategic sales and partnerships, such as the Maverick Springs transaction, Element79 Gold enhances its financial stability and provides non-dilutive capital to fuel further exploration and development. Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has successfully concluded the Binding Option Agreement with Sun Silver Limited, resulting in the transfer of ownership of the Maverick Springs Project to Sun Silver. This achievement marks a significant step in Element79 Gold Corp.’s ongoing strategy to enhance shareholder value through judicious asset management and partnerships. About Element79 Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS), a mining entity focused on gold and silver, is strategically positioning itself for significant operational advancements. The company is on track to recommence production at its Lucero project in Arequipa, Peru, targeting a restart by 2024. Lucero, known for its high-grade deposits, stands as a cornerstone in Element79 Gold’s portfolio. In addition to its developments in Peru, Element79 Gold holds an impressive suite of assets along the Battle Mountain trend in Nevada. This includes the promising Clover and West Whistler projects, which show potential for rapid resource development. Notably, three properties within this portfolio are poised for sale to Valdo Minerals Ltd., with the transaction expected to be finalized in the first half of 2024. Expanding its geographical footprint, Element79 Gold is also making strides in British Columbia. The company has initiated a drilling program and signed a Letter of Intent to acquire a private company holding an option for 100% interest in the Snowbird High-Grade Gold Project. This project comprises 10 mineral claims located strategically near Fort St. James, reinforcing the company’s asset base in central British Columbia. Further enhancing its asset management strategy, Element79 Gold has moved its Dale Property, located approximately 100 km southwest of Timmins, Ontario, into a spin-out process through its wholly owned subsidiary, Synergy Metals Corp. This strategic realignment is aimed at maximizing shareholder value through efficient asset utilization and focused corporate structuring. Highlights of Element79 Gold’s Strategic Developments Since its acquisition in 2021, Element79 Gold has diligently advanced the Maverick Springs project, culminating in an updated 43-101 compliant inferred resource estimation of 3.71 million ounces of gold equivalent (AuEq). In pursuit of strategic partnerships to further develop Maverick Springs, Element79 Gold’s management successfully negotiated and entered into a Binding Option Agreement with Sun Silver in August 2023. This pivotal move aligns with the company’s strategic focus on the high-grade Lucero Project in Peru, which boasts near-term production potential. The transaction with Sun Silver not only shifts the company’s focus but also realizes significant value for Maverick Springs. Originally acquired and carried at CAD $3.337 million, the project was sold for CAD $5.033 million, reflecting an impressive return on investment of 51% within 28 months. The sale generated substantial financial gains for Element79 Gold, amounting to CAD $4,400,000 in cash and 3,500,000 ordinary shares in Sun Silver, valued at AUD $0.20 per share (fair market value of AUD $700,000). These shares are anticipated to be listed on the Australian Stock Exchange around May 15, 2024. A portion of the proceeds, CAD $2,200,000, will be allocated to settle the loan tied to the Waterton Contingent Value Rights Agreement. The remaining funds will be strategically used to further the development of other corporate projects and operations, reducing both capital debt and accounts payable. This strategic financial management underscores Element79 Gold’s commitment to optimizing its asset portfolio and enhancing shareholder value in the competitive mining sector. Key Financial Highlights Updated Resource Estimation: 3.71 million ounces of gold equivalent (AuEq). Sale of Maverick Springs: Achieved a final sale value of CAD $5.033 million, marking a 51% ROI over 28 months from an acquisition and carrying cost of CAD $3.337 million. Proceeds from Sale: Totaling CAD $4,400,000 in cash and 3,500,000 shares in Sun Silver, priced at AUD $0.20 per share. Share Listing: Shares expected to be listed on the Australian Stock Exchange around May 15, 2024. Loan Repayment: CAD $2,200,000 of the proceeds will be used to settle the loan associated with the Waterton Contingent Value Rights Agreement. Funding Future Projects: Remaining funds will be used to advance other corporate projects and operations, while reducing capital debt and accounts payable. “The successful closing of the transaction highlights Element 79’s steadfast dedication to executing its strategic roadmap. This is a critical milestone in the Company’s history: it stands as proof of our team’s ability to generate value through project execution, and indicates a potential turning point in our ongoing mission to build a stronger and more focused company; it reinforces diligent financial management by to clearing up the balance sheet from past endeavours, and it provides non-dilutive capital to support operations and advance strategic exploration programs on our core properties to generate further value for our investors.“ James Tworek, CEO of Element 79 Gold Corp Collaboration with Artisanal Miners at Element79 Gold Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has actively engaged with local artisanal miners in Lomas Doradas to promote sustainable mining practices and community collaboration. In April, the company’s community relations team organized a significant meeting aimed at enhancing mutual support and establishing a formal collaboration for mineral extraction and ore sale processes. During this meeting, Element79 Gold presented draft contracts proposing 10-year surface access rights for exploration at the Lucero mine site, alongside similar access for local miners in designated areas. These agreements were intended to unify efforts and optimize ore market pricing, with the goal of creating mutual economic benefits. A critical follow-up meeting was held in Chachas on April 28th, where the community voted on these initiatives. This gathering aimed to solidify the partnership between Element79 Gold and the artisanal miners, moving towards formalizing their cooperative relationship and ensuring continued updates on the initiative’s progress. Conclusion Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) is exemplifying strategic acumen and operational dexterity across its diverse portfolio. By actively managing its assets from the Lucero project in Peru to strategic ventures across Nevada and British Columbia, the company is effectively balancing exploration potential with financial stability. The successful negotiation and sale of the Maverick Springs project, alongside collaborative engagements like those with the artisanal miners of Lomas Doradas, highlight Element79 Gold’s commitment to ethical practices and community involvement.
submitted by Professional_Disk131 to Pennystock [link] [comments]


2024.05.16 19:05 Professional_Disk131 Element79 Gold Corp Completes Maverick Springs Option Deal (CSE:ELEM, OTC:ELMGF)

Element79 Gold Corp Completes Maverick Springs Option Deal (CSE:ELEM, OTC:ELMGF)
  • Element79 Gold successfully manages a diverse portfolio, optimizing financial returns and advancing key projects such as the high-grade Lucero project in Peru.
  • The company demonstrates a strong commitment to sustainable mining and community collaboration, notably through partnerships with local artisanal miners to enhance mutual economic benefits.
  • Through strategic sales and partnerships, such as the Maverick Springs transaction, Element79 Gold enhances its financial stability and provides non-dilutive capital to fuel further exploration and development.

https://preview.redd.it/9tvbpqvblt0d1.png?width=461&format=png&auto=webp&s=29941ec4fc8ea282e8f1b04b002612f6a96b2993
Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has successfully concluded the Binding Option Agreement with Sun Silver Limited, resulting in the transfer of ownership of the Maverick Springs Project to Sun Silver. This achievement marks a significant step in Element79 Gold Corp.’s ongoing strategy to enhance shareholder value through judicious asset management and partnerships.

https://preview.redd.it/f14mjo8glt0d1.jpg?width=982&format=pjpg&auto=webp&s=e8dcb9cc3475a80f47559476e3fcd0398ec82e24
About Element79
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS), a mining entity focused on gold and silver, is strategically positioning itself for significant operational advancements. The company is on track to recommence production at its Lucero project in Arequipa, Peru, targeting a restart by 2024. Lucero, known for its high-grade deposits, stands as a cornerstone in Element79 Gold’s portfolio.
In addition to its developments in Peru, Element79 Gold holds an impressive suite of assets along the Battle Mountain trend in Nevada. This includes the promising Clover and West Whistler projects, which show potential for rapid resource development. Notably, three properties within this portfolio are poised for sale to Valdo Minerals Ltd., with the transaction expected to be finalized in the first half of 2024.
Expanding its geographical footprint, Element79 Gold is also making strides in British Columbia. The company has initiated a drilling program and signed a Letter of Intent to acquire a private company holding an option for 100% interest in the Snowbird High-Grade Gold Project. This project comprises 10 mineral claims located strategically near Fort St. James, reinforcing the company’s asset base in central British Columbia.
Further enhancing its asset management strategy, Element79 Gold has moved its Dale Property, located approximately 100 km southwest of Timmins, Ontario, into a spin-out process through its wholly owned subsidiary, Synergy Metals Corp. This strategic realignment is aimed at maximizing shareholder value through efficient asset utilization and focused corporate structuring.

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Highlights of Element79 Gold’s Strategic Developments
Since its acquisition in 2021, Element79 Gold has diligently advanced the Maverick Springs project, culminating in an updated 43-101 compliant inferred resource estimation of 3.71 million ounces of gold equivalent (AuEq).
In pursuit of strategic partnerships to further develop Maverick Springs, Element79 Gold’s management successfully negotiated and entered into a Binding Option Agreement with Sun Silver in August 2023. This pivotal move aligns with the company’s strategic focus on the high-grade Lucero Project in Peru, which boasts near-term production potential. The transaction with Sun Silver not only shifts the company’s focus but also realizes significant value for Maverick Springs. Originally acquired and carried at CAD $3.337 million, the project was sold for CAD $5.033 million, reflecting an impressive return on investment of 51% within 28 months.
The sale generated substantial financial gains for Element79 Gold, amounting to CAD $4,400,000 in cash and 3,500,000 ordinary shares in Sun Silver, valued at AUD $0.20 per share (fair market value of AUD $700,000). These shares are anticipated to be listed on the Australian Stock Exchange around May 15, 2024.
A portion of the proceeds, CAD $2,200,000, will be allocated to settle the loan tied to the Waterton Contingent Value Rights Agreement. The remaining funds will be strategically used to further the development of other corporate projects and operations, reducing both capital debt and accounts payable. This strategic financial management underscores Element79 Gold’s commitment to optimizing its asset portfolio and enhancing shareholder value in the competitive mining sector.
Key Financial Highlights
  • Updated Resource Estimation: 3.71 million ounces of gold equivalent (AuEq).
  • Sale of Maverick Springs: Achieved a final sale value of CAD $5.033 million, marking a 51% ROI over 28 months from an acquisition and carrying cost of CAD $3.337 million.
  • Proceeds from Sale: Totaling CAD $4,400,000 in cash and 3,500,000 shares in Sun Silver, priced at AUD $0.20 per share.
  • Share Listing: Shares expected to be listed on the Australian Stock Exchange around May 15, 2024.
  • Loan Repayment: CAD $2,200,000 of the proceeds will be used to settle the loan associated with the Waterton Contingent Value Rights Agreement.
  • Funding Future Projects: Remaining funds will be used to advance other corporate projects and operations, while reducing capital debt and accounts payable.
“The successful closing of the transaction highlights Element 79’s steadfast dedication to executing its strategic roadmap. This is a critical milestone in the Company’s history: it stands as proof of our team’s ability to generate value through project execution, and indicates a potential turning point in our ongoing mission to build a stronger and more focused company; it reinforces diligent financial management by to clearing up the balance sheet from past endeavours, and it provides non-dilutive capital to support operations and advance strategic exploration programs on our core properties to generate further value for our investors.“
James Tworek, CEO of Element 79 Gold Corp

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Collaboration with Artisanal Miners at Element79 Gold
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) has actively engaged with local artisanal miners in Lomas Doradas to promote sustainable mining practices and community collaboration. In April, the company’s community relations team organized a significant meeting aimed at enhancing mutual support and establishing a formal collaboration for mineral extraction and ore sale processes.
During this meeting, Element79 Gold presented draft contracts proposing 10-year surface access rights for exploration at the Lucero mine site, alongside similar access for local miners in designated areas. These agreements were intended to unify efforts and optimize ore market pricing, with the goal of creating mutual economic benefits.
A critical follow-up meeting was held in Chachas on April 28th, where the community voted on these initiatives. This gathering aimed to solidify the partnership between Element79 Gold and the artisanal miners, moving towards formalizing their cooperative relationship and ensuring continued updates on the initiative’s progress.
Conclusion
Element79 Gold (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS) is exemplifying strategic acumen and operational dexterity across its diverse portfolio. By actively managing its assets from the Lucero project in Peru to strategic ventures across Nevada and British Columbia, the company is effectively balancing exploration potential with financial stability. The successful negotiation and sale of the Maverick Springs project, alongside collaborative engagements like those with the artisanal miners of Lomas Doradas, highlight Element79 Gold’s commitment to ethical practices and community involvement.
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2024.05.16 17:27 AffectionateFox8001 How my boomer MIL got herself uninvited from my son's graduation

Hello fellow potatoes! And to the potato queen herself, girl, you're amazing!!! I just found your channel a few months ago, but I'm a huge fan. I don't have a lot of time for videos, but when I do get to watch, I watch yours.
Have I got a boomemil story for you! Let's go on an adventure...warning...I tell stories with rabbit holes and tangents. This is probably gonna be too long. I'm sorry!!!
So, the characters are me (40f), boomer MIL (64f BM for short, like bowel movement bc she's caca), my oldest son, (17m), and my church "mom" (65f CM for short).
A little background: BM thinks she's an awesome mom and grandma even though she's not. She uses my kids as facebook props to show off how "wonderful" she is. The only reason she was around my kids so often was because we went to the same church. She lived 10 minutes down the road from us, but could never be bothered to come over or have anything to do with any of us is if we didn't initiate. She has always said that if we ever try to threaten to keep our kids away from her, like if we were having a disagreement, that she would not fight to see them. We've never threatened to keep our kids from her, she just wanted us to know that she didn't give a sh!t to see her gandkids. So, that tells you right there, that she's a grandma when it's convenient for her.
She's of the boomer mentality that mental health issues are made up and aren't real. "You have nothing to be depressed about." "Just snap out if it." "Just be happy." You get the point. I struggle with depression, I always have. She doesn't understand or even try to understand and is the least empathetic person I've ever met.
When I get overwhelmed, I get depressed, and I start shutting down. My plate is overflowing right now. Between the end of the school year and the possibility of us moving states, I've been overwhelmed. My oldest is a senior and the last month of senior year is crazy busy. I have another child (11m) in public school and this is his last year of elementary school, so this has been an extremely busy month for him. I have 3 more kids that do online public school/homeschool. So, they're home all day with online classes, but since they're a public school, they have mandatory state testing just like regular public school. I have had to take them to do state testing on 4 different days overyhe last few weeks and the meeting place was 45 minutes from home, at a conference room in a mall. I also babysit 3 kids (1m, 4m, 4f), so hanging out for 4 to 5 hours a day on 4 different days with a shitload of kids at the f#cking mall was not easy. Not to mention the positions and "jobs" that I hold at church. To say I'm busy is an understatement.
We've been planning on moving for the last few months because a position at my husband's work is coming open near where he grew up, which is in another state. His parents recently moved back to their hometown after my FIL retired, so one reason for the move would be to be closer to them. They are getting older, so I would be taking care of them once they needed it, so moving closer seemed like a great option. Also, it's a lower COL area than we live in now. Currently we live in the metro area of a capital city and we would be moving to a middle of nowhere po'dunk town.
Told you, rabbit holes, thanks for still being with me!!!
And this is just the straw that broke the camel's back, this is not the only reason for my decision.
So, to the actual story...
Last week, I got a mother's day card in the mail from BM. She's a dollar tree card fanatic. It was a very typical card that she sends me. Nothing handwritten except for "love, grandma and grandpa." This is what she writes in all my cards. (Another tangent...last year my mom passed a month before mother's day and that actual mother's day was her and my dad's anniversary. And I had a super complicated relationship with my momster. So, it was an exceptionally hard day for me. The card she got me said "Daughter" in huge letters on the front. I thought it was so incredibly passive aggressive and completely inappropriate for that year. If it would've been any other year, it would've been fine. Also, she never gets me cards that just say "daughter" so, to me, it was a low blow.) (Yet another tangent...she does passive aggressive crap all the time, for instance when she used to do fb birthday posts, she would always ask me to send her a pic to post. I'm picky about what pics are used and she knows that. Last year, I sent her a great pic of me and her son to use. So, she used one from about 12 years ago that looked like absolute poop. It was a surprise pic, so like not even posed, stupid look on my face. No matter what pic I send, and usually send like 3, she uses a completely different one that doesn't even look good.) I got the card last Tuesday. Hubby happened to be talking to her while driving home from work that day, so when he got home, I thanked her for the card and just wanted to give her a heads up that I hadn't gotten a chance to mail hers yet because of everything I had going on. I kinda broke down and was sharing how I felt and she basically just said, "suck it up, it'll be fine." She's always been dismissive of my feelings, always.
So, my CM is the sweetest lady you'll ever meet. She listens to me, lets me share my feelings without being dismissive, and actually shows she cares. I see her twice weekly at church, and text with her during the week. Since BM has moved 8 moths ago, she has called or texted "just to talk or check in on us" less than a handful of times. She only calls/texts when she needs something or on a special occasion. She called my husband to ask about something, not just to talk. I understand now why the oldest grandson, my nephew, didn't even bother to invite her to his and his girlfriend's baby shower where he proposed. She thinks she's an amazing grandma bc she sends birthday money in a card and posts their pics on Facebook. And, she even stopped posting the kids birthday messages on fb bc she said it was "too much trouble." So, she just sticks to her 30 daily inspirational Bible quotes posts. She's the type that was so pissed off that both of her kids went with courthouse marriages instead of going into debt for a wedding because she didn't get to walk down the aisle at her kids' weddings and post pics on fb. She's mentioned this several times, but definitely wasn't even willing to spend a dime towards a wedding that no one wanted except her. She was also unwilling to take a day off work to go to the courthouse with us. With both of her kids' marriages, the kids and partners were together for a while and had kids before getting married, so spending tons of money on a huge wedding for either of us couples wouldn't have been the best way to spend money.
On mother's day, I gave my CM a card with a few lines written in it about how amazing she is and how I'm so grateful for her. I'm way closer to her than BM. CM is my chosen family and to me, your chosen family is the one that means more because you chose them, you didn't just get stuck with them. My blood family is incredibly toxic, so I stick with my chosen family. CM made a fb post with all that she got for mother's day. It was gifts and cards from her own children, and of course my card as well. CM & BM are fb friends, so of course BM saw it. Also, BM has everyone convinced she's this sweet, little old church lady, but she is far from it.
So, this Tuesday she got her cards in the mail. I always give her one from hubby and myself, and a separate one from our boys. I wrote a nice little note in it. Not long, a line or 2, but it was more effort than she put into my card. She sent me and hubby the following in a group text...
Copy and pasted, only edited out names.
"Got my cards in the mail today. 😭. They were post marked Saturday. You could of kept them til I got there or next year. It's like yall bought them Saturday, wrote a few words and rushed to get them to post office. My heart 💔broken. I thought I deserved better. I wish I could send pictures of my card verses [CM] 😩 card. I couldnt tell which gift was yours. But least I have a year to try do better and be worthy of such wonderful words of love and praise that was written to her.
I don't mean to complain or seem ungrateful but I wished you hadn't mailed them.😭😭. I can't explain how crushed I am.😔 Anyway hopefully I will see yall on the 20th."
Note: my oldest son is graduating on the 20th. She was supposed to drive down and spend the night with us to attend the graduation. I honestly believe she picked this fight because she doesn't want to drive the 6 hours down here.
If you "don't mean to complain or seem ungrateful" then why tf did you send it? I asked my husband what was his initial reaction and he said, "Really?!? All she had to do was say thanks."
So, after I talked to my husband and oldest son (I wanted to make sure everyone was on board with what I was saying before I sent it) , I sent her this response:
"I mailed them on Friday, I bought them several weeks ago. I told you I hadn't mailed them yet because I've been in a deep depression and you dismissed my feelings like always. I have real, valid feelings and you always dismissed them as silly. And come after me because now you're feelings are hurt. Wow, ok. The absolute audacity. And it's not just with your cards that I'm slacking. It's with everything. Because I have depression. I'm overwhelmed on top of that and literally the only thing you care about is a card. I tried to express my feelings the other day on the phone and you dismissed them like you always do. I know things will be fine, but in this moment they are not and you don't get that. Because you don't understand how or why I feel the way I do, then my feelings are silly or invalid to you.
And I never gave [CM] a present. Don't know why you thought that.
Don't worry about coming down on the 20th."
She replies by trying to blackmail me;
"Well my am so sorry I said anything. I never realized you thought that about me. I never dismissed your depression but yes i never knew what to do for you. I am not going to go back and forth about this. I will text [son] and let him know you told me not to come."
She's not sorry to me for being dismissive, she's sorry because now she doesn't get her "Proud MeMe moment" and can't post pictures of her at his graduation on fb. And even if she didn't "know what to do" for me, all she had to do was ask. Or listen. Or give a damn hug. But, no, she just dismissed me bc to her depression isn't real. And she's not going back and forth bc she knows shes wrong! Little did she know that I had already cleared it with hubby and son before sending the text, so I think she thought it would make me look bad to my oldest son that I told her no to come. Oldest son said, "I'm neutral, I don't care if she comes or not. It's not like she's had anything to do with us since she moved, and barely had anything to do with us when she was here."
So, my last text to her said, "He knows. I asked him before I texted you, and he's good with it."
All she had to do was say thanks or not even say anything at all. But, no, she had to say something stupid. Even her own son said that she's lucky she even got a card bc if it was up to him, her actual son, she wouldn't have gotten anything. So, not only is she not invited to the graduation, she's never welcome in my home again. The great part is I don't have to share my holidays with her ever again!!! And please know that I'd never keep her grandchildren from her, but if she wants a relationship with them, she'll have to put some effort in. And we all know boomers hate effort.
If you made it this far, thanks for reading my rant. I appreciate you my friends!
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2024.05.16 10:43 growthdeath Is it a bad idea to ask if I have been nominated for a scholarship? (UK)

Hello!
I've received the news that I was accepted for a social science MSc program, and I would love to go - the sample reading lists are half full of things I've been reading for pleasure in my spare time, the courses would teach me methodologies I really want to be able to use, the university's research output is fantastic and if I were to do a doctorate, I would want to do it there.
A characteristic of the university is that there are several scholarships for which you are automatically considered - merit/vibes/research proposal based ones. My capacity to attend, like most people, is contingent on being nominated for one of these scholarships.
I accept that they can't exactly send out a letter to everyone saying ' you weren't nominated'. However, in order to plan (where I live, how intensely I apply to jobs now etc) I kind of need to know before I graduate.
Is it bad/ may there be ramifications if I ask whether I was nominated? Or should I continue to hope for the best and plan for the worst until the end of June?
Thank you!
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2024.05.16 09:59 Defiant_Buy_101 The diagnosis delemia: behind the multi million dollar industry of healthcare monitoring

Chapter 1: the event
It was the fall of my intern year as I bean my off service trauma rotation. This month was ubiquitously notorious for being the most labor intrusive and least productive rotaion of our emergency medicine program. Knowing this I entered with the intention of simply surviving the month.
Another intern and I let’s call them A for sake of ambiguity, we’re the first emergency medicine residents to roste on the trauma services that year. A shaky start would be an understatement. In the words of chance the raper “like my grama with the Parkinson’s playing operation.” Would better describe it. Medically we did well. We were very competent and completed our work daily, but communication and coordination was non existent. Our Cheifs had informed us that Tuesday was our day of and the Trauma cheif residents had minimum communication with us, or our Cheifs as it seams when A and I did not report on Tuesday they sternly made their dissatisfaction known.
I have struggled with insomnia sense the age of 10. Had 2 sleep studies by this point in my life and been prescribed nearly every sleeping aid on the market. The 80-94 hr work weeks of our trauma rotaion only worsened my insomnia. My lack of sleep likely contributed to a less than prime adaptive immune system and 2 days out of my trauma rotaion I contracted strep like symptoms with associated nausea, requiring me to call for a sick day the next day. No the first day that I felt too ill to work. I was not fully aware of the reporting process. I reported to my Chiefs, but I did not believe I could come to work tomorrow with amble time and notice, however I was somewhat delayed in letting their Cheifs know, because the surgical chiefs rotated every few days and I did not know who my was going to be the next day. The second day which I had to call out sick I was able to locate the cheif for the next day and reprot according to our university’s protocol, which requires that if a resident feels they are not fit for work they must not come in and the university must have staff coverage without any fear or implementation of punitive actions.
I had finally survived to the last week of my trauma rotaion and I could see the light at the end of the tunnel. What I could not see was the pile of stress, shitty diet, lack of mental well ness and sleep deprivation which I was pushing down to reach the light. By this time I had seen a psychiatrist regularly for sleep medication. I had mentioned to him that I had been experiencing more stressed lately and feel that I might be depressed. he reassured me that it was likely only due to my circumstances, given the difficulty of the trauma rotation and wish to reassess once the rotation was over. Looking back I had to fill the habit of drinking more than I usually do. My only on nights before I have days off became 1-2 beers every other night. All of this repressed unhealthy shit finally pushed bad on September 23rd. That night I was at work even later than usual, I stayed up later than usual and couldn’t seem to fall asleep. With the stress of only having minimal sleep and knowing I only had 2 more days of trauma left, I took an extra dose of my sleeping medication.
I opened my eyes to the fighting sight of sun beaming in my window and I instantly knew I was late. (Sense I hadn’t seen the sun in a month) . Due to my need for scrupulous sleep hygiene I have been sleeping with my phone of and away for me. I rushed to grab it and watched as the little Apple logo seamed to glow on the screen for an eternity. Then in conjunction with its fading I saw 3 missed calls from my director, a text from college A and 2 missed calls from the surgical director. Still, I was able to calm myself, knowing that resident A had been late to this rotation by a few hours 2 other days and nothing came of it. I called my director back and he asked me to report to his office where I was greeted by my director, my coordinator and another emergency medicine facility.
With the only explanation of: “we just want you to get better”, I was handed a letter, to my relief it did not entail my termination, but a declaration of administrative leave and a requirement to undergo an evaluation at a well known university in Florida.
Lake any other savvy millennial, I did my research. By research I mean numerous google searches and screeches thru the depts of redit. To my dismay I discovered that in order for a residency program to fire you, they must first initiate an administrative suspension. I would soon find out however, being terminated would have been a delightful outcome compared to what ensued.
I spend the next few weeks in the wallos of regret and depression. I indulged in higher qualities of alchohol then I ever have before. I all but ceased communing with peers, and abruptly stoped any physical activity I had once enjoyed. Frightened as I was I was ensured, it will be ok “we just want you to get better”
Chapter 2 The evaluation : guilty until proven innocent I did exactly as instructed and scheduled an evaluation, I supposed that this was either a mental evaluation to assess if I’m fit for work with plans of termination or it actually was an evaluation to better treat my insomnia. To this day I regret my ignorance, and wish I had researched the process more. The Hindi / sand-skrt idea of Hamsa 🪬 is that in order to do any good you must have full knowledge or else good intentions can result in harm. I truely believe my director had good intentions, however but him and I did not have full knowledge of the nature of this evaluation.
Looking back see how easily I could have avoided my troubles by asserting legal aid at this point or even by researching this evaluation process more in depth. If one searches impaired practitioner program which I now know this evaluator works for, the search entire will populate 5 or 6 layferms along side their home website and there is a valid reason for this.
If one every finds themself in this process I employ you to bring a DSM to your evaluation or at least be familiar with the most common use disorders in the DSM-5, because your evaluation will turn into a dance of questions where the evaluator attempts to trap you in a round about way to stating something that may qualify for one of the diagnosis. I have provided an image from the DSM-5 below outlining AUD, which the evaluator concluded that I had the most severe from:
Image
Example***** Here are 10 examples of how he fraudulently assessed me taken directly from his assessment note.
  1. Evaluator: Have you ever stoped drinking in the last year.
Me: yes I stoped every week day, I was only drinking on the weekends, until two weeks ago.
-Evaluator uses stoping and starting every week to qualify for 2 or more unsuccessful attempts to stop in the last year “There is a persistent desire or unsuccessful efforts to cut down or control alcohol use.”
  1. Evaluator Have you ever had withdrawal symptoms
Me no
Evaluator Well Have you ever had a hangover? You know that’s a from of acute withdrawal
Me: yes in college, I had a few but that was years ago and I’m pretty sure the pathophysiology is different.
Evaluator uses this to count for withdrawal symptoms even tho is was more than a year ago
  1. Evaluator: Have you even taken your sleeping medication on a day or night which you drank? Me: Yes, I took my prescriptions are prescribed but I never drank close to bed
Evaluator: qualified this as dangerous behavior with alcohol (where the DSM gives examples such as unprotected sex and drunk driving). The sleeping medication I was on is not a benzodiazepine therefore it is not deadly with alcohol. I personally have seen many patients in the ED who have taken their entire bottle of the medication and drank copious amounts, we just monitor them over night and rehydrate them
  1. Evaluator Has anyone told you you drink to much or been worried about you Me: No I drink much less than my friends
Evaluator what about your girlfriend? Me: well she actually doesn’t drink at all she doesn’t like it. She often buys me beer for The Weeknd’s tho. One time we went to a movie and she got a little irritated because I waited for beer then complained about them not having any craft beer. So she said, “you couldn’t have just said no” and drank something else. However, she apologized after and said it’s worth waiting if it’s my only day off.
Evaluator said this qualifies for continued drinking despite causing significant relation consequences, ie divorce.
  1. Evaluator : you have sleep issues I hear, and your chart says you’ve had depression in the past, don’t you know that alcohol can effect your sleep and mood Me: yes that’s why I never drink within 3 hours of sleep.
Evaluator but you knew this and still drank
Evaluator: qualifies for drinking despite unwanted physical or psychological effects (this should be recurring to effects the alcohol is causing, I have had insomnia sense the age of 10 long before I took my first sip)
7 evaluator you were late for work and told my you had a drink the day before
Me: Yes but I was late because I didn’t sleep and took double my sleeping meds, I will never do that again
Qualifies for 2 significant work or school issues in the past year ( a therapist and other psychologist ensured me that being late on or a few days doesn’t count they typically are getting fired or failing) ( moreover, this would assume I was late do to drinking it’s self and also assume if happened more than once)
  1. • Alcohol is often taken in larger amounts or over a longer period than was intended
He never once asked anything related to this question yet said I qualified in his final report 9. A great deal of time is spent in activities necessary to obtain alcohol, use alcohol, or recover from its effects. The evaluators logic here was sense I was late for work and I had 2 beers the day before I must be taking long to recover from it (this is assuming I missed due to alcohol)
  1. Tolerance drinking more to require the same effect: this he checked as true in his final note however it was never even discussed in our evaluation. I did mention to him that I’ve been drinking more than I had earlier in the year frequency wise, but they said nothing to do with quantity or needing more.
  2. Wanting to drink so bad you can not think of anything else: this is the only qualification of SAUD my evaluator said I did not have.
Moreover, without legal help I was not aware that I could obtain a second evaluation or even oppose going to get evaluated at all, but that wouldn’t have mattered seeing I still thought this was for my health and wellbeing as seen when I was asked why do you think you are here to today, to which I replayed “so that I can be evaluated to see what is needed to get back to work”.
To maks the ordeal more infuriating the evaluator continues to ingratiate himself and lie through the process telling you, “it will be fine as long as you are 100% honest”, “anything you say in here is between you and me” or “you slipped up once with your meds, I know your residnecy program they will probably just want a few more out patient tests”
Two weeks later I received a phone call right before I left for an out of state vacation to visit my nice for her birthday. During the call I was informed that I would be required to complete a partial hospitalization program (PHP) lasting “6-10 weeks” which would coast from 15-50 grand not including doctor visits or housing which is billed separately. I suppressed this inconvenience, enjoyed my vocation and reported when I returned, knowing that I must complete this soon so I may return to work with due to the fact that my payed time off would soon be diminished. At this time I had not yet heard of the organization PRN.
Chapter 3 Guilty till proven innocent: The diagnosis
Shell shocked I arrived to a in patient psychiatric unit and was rapidly cleared to progress to treatment without detoxification. During my 90 day of forced rehabilitation I met a few other individuals who were unjustly and fraudulently forced into treatment. I began to look up to one of these such members of the men’s community, who I will refer to as patient X for ambiguity sake.
Unlike me patient X did have alcohol use disorder. He spent many clinic days drinking to avoid alcoholic withdraws. The curious component of his story is that he admitted his depravity, saught help and through his own journey became sober. The bodies at be, namely his local physician, Health monitoring program, rejected his personal path to sobriety and forced him to undergo 90 days of in patient treatment before he could practice medicine again. When he checked in to rehab he had been sober for over a year.
Ask for Stories of people from online
As for me I spend many sleepless nights pondering how consuming a legal substance in a moderate amount could throw me into significant legal financial issues. My labs my toxicology, my story and my collateral from colleagues from colleagues all indicated light to moderate alcohol use but my evaluators word stood as the word of God.
More frightening was the director of this rehabs acknowledgment of this. The director who happens to also coincidentally be the evaluator, stated to me as well as to staff on multiple occasions: “ I suggest inpatient treatment for everyone who is reported”. “This is safer for me not to miss anyone who could harm patients, and I figure there must be a reason someone reported them.”
I am still elucidating the reason why I was determined guilty and proven innocent, however I can say from my 90 day stent that the majority of the patients at this rehab needed to be there. This program is saving lives of both providers and patients, however it is destroying the lives of those wrongfully accused.
Chapter 4 your lisense rehab or jail : Upon arivil I was sent to a detox hospital underwent a medical examination and was “one of the lucky ones” who required no detoxification and could report directly to PHP. Like everyone else, I spent 90 days in a PHP, being as 6-10 weeks is simply a lie they tell patients to decrease the change of resisting the treatment. When discussing the topic one therapist sated “if we told patients 90 days they would never come.” She then attempted to justify the treatment by outlining the story of a patient she had called who “didn’t make it to treatment” and killed themselves”. It is my belief that it is not the lack of PHP which impelled such professionals to take their life, but them realizing that they now will be obliged to undergo 90 days of PHP, 5 years of PRN monitoring with a loss of autonomy and hundreds of thousands of dollars taken from them that induced their hopelessness. For even if these professionals were truly mentally unstable in their addictions, in every case it was only following a phone call where they were informed they must undergo treatment that they took their life’s. By this time I still haven’t the slightest clue what PRN was.
Despite the security these programs provide for many my 6 main issues with them can be summarized in : 1. Kick backs: evaluators are directors of treatment clinics 2. The reported are guilty till proven innocent 3. The price, the overflow of money these places drag in from both patients and state universities is appalling, they charge separately for every visit and test 4. Although they make the claim that they are individualized, they are anything but. Every patient gets the same stay and treatment from the doctor drunk on the job and the one who was late to a shift 5. They force voluntary treatment. remember that friendly evaluator who promised he had your best interest at heart, so you opened up and told him everything about your substance use/ developmental / family history, well if you don’t stay for 90 days he will be “normally obliged” to tip the board of medical off to you.
  1. The programs have overstepped their intended jurisdiction. -these programs work well if they function how they were intended at their inception. Cite original purpose. Originally these programs were designed to protect physicians and civilians from impaired practitioners; being healthcare workers who were impaired at work. Over the years, these organizations have extended their authority to encompass individuals with substance use disorders When not at work and also those who are in training to become healthcare professionals. Take for example myself compared to a physician who is impaired at work. A doctor who arrived for duty under the influence would surely benifit from the extensive testing, therapy and accountability enforced via these programs. In accordance the 20,000$ per year cost is appropriate when only making up roughly 7% of their yearly salary vs nearly half of a residents. In my case with my loss of income from employment, coast of treatment and monitoring, this year I will be required to pay 20,000$ to work. Yes, I will be losing money to work. Even if did indeed have a substance use disorder this level of monitoring wouldn’t not be considered appropriate.
Dispite all of the miscomings of this System My time spend in PHP was indeed helpful, as I believe it would be for anyone. Time for exercise, a reprieve from work and weekly counseling. A sample structure of my day to day schedule is provided below for insight:
Structure The general structure of these rehabitation centers is as follows: 1. One week of orientation phase, where you are not allowed in electronics or contact with the outside world world. Therefore, if you’re going, bring some things you would like to read or study. 2. In phase 2, you can use your phone however you cannot leave campus. You must stay in the dorm on campus. These shitty 1 room run down apartments with two other roommates will cost you about $1000 a week, they are required for at least four weeks and they are billed separately, no insurance will help you out here. 3. In phase 3 you can commute to campus if you beg your therapist and live very close. Whether you’re on campus or living off-campus, you are allowed to leave up to four hours per day. If you commute, you’ll be required to take a sober link decide you must Breath, alcohol test into every 6 hours. Like everything else in this program you must pay for this separately, a few hundred dollars a week. You advanced to other phases by completing assignments, however, assignments are limited by required built-in time, intrusive, scheduling, and reviewing. Therefore, if you do everything as rapidly as possible phase 1 will take one week phase 2 will take three weeks.
Every day schedule:
7:30: wake up, report to the front desk to inform them that you haven’t ran away yet and take and prescribed medications. They keep all your medications and require that you report to take them; for me this was antidepressants in an attempt to dispel the depression I contracted from being forced into treatment and whatever off label medication they were attempting to treat my ADHD with, since control medications were forbidden.
8 am: community group assessments This consisted of other patients presenting their assignments amongst the large group, on the weekends this was often an hour later and 12 study regularly took the place of assignment presentation.
10 am: process group. This was a two hour group therapy session with 6 to 12 other professionals in a therapist and training or occasionally a licensed mental health therapist.
1 pm: recreation This was generally about an hour of some sober themed craft or activity. Once a week this time slot was used for yoga.
2 pm: this was another time slot used for patients to present assignments as well as for individual therapy sessions. Each patient had one individual therapy session lasting 30 minutes per week.
3pm: This was time allotted to work on assignments or go to the gym on your sex specific scheduled gym day.
5pm: this time was used for guest speakers or another 12 step study group.
6 pm : this was generally an off-campus 12 step group
10 pm: report to the front desk and let them know you still haven’t ran away and take and Medication which are prescribed to take at night, then return to your cot bed in your room with 1-2 other roommates.
I found the community to be one of the most beneficial aspects of the PHP program. I was in a cohort of chill ass professionals of the same occupation who were always there to help each other.
Assignments The curriculum of the PHP consisted of assignment based on every step of the 12th step program. Generally, a patient would be required to complete an assignment on their own, review it with other patients, then faculty and finally present the assignment in front of the whole treatment group. You’re only given one assignment at a time and there are multiple steps to each which all requires scheduling this ensures that no matter how determined a patient is a full 90 days of treatment is required to complete all the assignments.
AA structure -the obsolete nature of AA has been verified in numbers studies, but I will refrain from divulging here and lend that endeavor to Dr. Lance Dodes very thorough discussion on the subject,in “the sober truth “
In all sincerity, if I truely did have a severe use disorder this experience could have been life saving. I only wish I could have used my 50 grand for someone who has spent their life time In addictive without reprieve. My first conversation when I was given my phone back was how I wish my father could be able to attend this PHP.
Chapter 5 reporting and PRN Self reporting What they ask you What you should tell them
There’s a third-party agency called professional resource network. Every state has their own. This agency works as a liaison between you and whatever credentialing service your occupation requires. Essentially they ensure your monitoring after treatment. Stake governments and licensing boards trust them, mainly because they monitor with the highest level of intrusiveness. This alleviates much work for state governments and licensing boards because once an individual is being monitored by a professional resource network, then they are deemed appropriate for duty and no further investigation/litigation needs to occur, as long as the monitored individual completely complies.
Because I was never impaired at work I was never reported to this agency. The general workflow of things someone would report you to professional resource network, then the resource network would contact you, and then you would be required to report for an evaluation at a treatment center, which would inevitably result in a suggestion I’ve treatment at that given treatment center. In my case I was sent to the treatment center without PRN being involved. Thus, two weeks into treatment. I was notified by my therapist that I needed to call PRN and self report. I attempted to resistance given that I did not have a problem and was not individually seeking help. I asked what happened if I didn’t self report. I was told that in order to stay in the treatment program I had to report to PRN. This meant either I report to PRN or I get kicked out of the treatment program and lose my job.
When you report to PRN they will ask you why you are in treatment. They will then list off every substance imaginable, asking you if you have ever tried the substance and when your last use was. Ultimately, they will obtain your discharge information from your treatment center, so it is in your best interest to report only what was found in your biochemical testing. If it wasn’t in your hair, I would argue that you don’t have a use disorder regarding that substance and it’s not relevant. I don’t believe it’s important for them to know that you smoked weed when you were 12.
Chapter 6 The contract:
Before being discharged from a treatment facility, a professional resource network will have you sign a contract. A little known fact which I was oblivious to is that contracts can be negotiated. Though this isn’t it possible, it is highly improbable that you can negotiate your contract since PRN has a power to delay your clearance to return to work.
Contractor almost never personalized, and I have not heard of a contract which is not a five-year agreement. You will sign releases of information so that PRN has access to all of your information which was gathered at the treatment facility. You must have a therapist, psychiatrist, primary care, doctor, and a addiction, medicine psychiatrist. You assign releases of information for all of them. You will be required To commit to: 1. three mutual aid meetings a week which you must log. I log smart recovery meetings. 2. Weekly therapy sessions with an approved mental health therapist from their list 3. Monthly doctors appointments with an addiction medicine psychiatrist 4. Yearly appointments with a primary care physician 5. Monthly appointments with a psychiatrist 6. Daily check-ins on a random drug testing app ( you will agree to weekly urine tests, a peth test 4 times a year, a hair test twice a year and a little caveat that says anything else they deem, clinically reasonable) 7. Quarterly update reports which you are required to obtain from a workplace monitor, therapist, addiction, medicine, psychiatrist, primary care physician and any other doctor you are seeing. 8. You must upload all of your prescriptions into a mobile application every single time you get them refilled and are not allowed to take them until they are approved. 9. Attendance of a PRN group via zoom. This is a local group you are assigned along with other monitored practitioners. There is a fee of roughly 130$ a month to attend this required group. For me all of these requirements coast around 20,000 a year. If you ever have a positive test even if it is the result of contamination from rubbing alcohol or unintentional ingestion of alcohol/ allergy medication your contract will rest to 5 years from the time of positive test. Once your five year contract is completed, you must ask to be released from monitoring. At that point they will search for any reason to keep you under monitoring. This could be dilute urines, daily check ins or a week where you did not attend mutual aid meetings. Every certification and license which you apply for will likely ask you if you were under a monitoring program/ have been treated for substance use. You must give an explanation and check yes. As far as licensing programs are concerned, if you were under the monitoring of PRN, you are safe, however they group practitioners who have had behavioral issues with practitioners who were diverting drugs from work. Therefore, keep in mind that you will be labeled as a sever addict.
7 Back to work and only work. During treatment your only goal is to return to work, however when you return your experience will be drastically distinct from what you remember. For me, I was now working in isolation. Missing six months of my training meant that no other Resident was on the same rotation as me. My coworkers at all formed friend groups. When I returned I was greeted with much concern for my well being. No one would speak to be about my absence, however everyone knew there is only one reason a resident would leave for 6 months then return. My Accdeemic meetings were consisting of attending telling me “I have a target on my back now” and “ I have to preform even better than others” in the light of my time missed. If this wasn’t alienating enough, the majority of Resident events, sponsored by recruiters and my university revolved around alcohol to which I had to give some excuse to why I can not partake with others. I’m fortunate that I do not have an addiction, because these stressful conditions along with the daunting amount of dead and requirements imposed by PRN are enough to make any addict relapse. While I was at treatment, I was in the dative with Samyr stories a physicians whose addictions got the best of them. Physicians who did not make it to treatment, often taking their own life. These stories were presented as a warning. Your addictions will kill you without our treatment was the message. When, in reality I did not hear one story in which the addiction killed physician. Every physician who didn’t make it to treatment took their life after being told they must report to a treatment facility. Perhaps they knew what this entailed and it was not their addiction or getting caught which caused them to end their lives, but the unmanageable and often unreasonable burden that treatment would put on their lives.
9 How to escape So your fucked your in PRN and should be or you should and now your recovered and want to terminated your contract.
  1. You ask to be released early done at 1/2 time ( good luck)
  2. You have “good reason” (no one has ever been let out of contract because of this reason, the verbiage is far too vague)
  3. You serve all your time and they let you out(maybe, as discussed earlier, they would do everything they can to keep you in your contract as long as your practicing)
  4. You can’t practice medicine anymore
10 Layer up butter cup : I cannot emphasize the extent to which legal help is required in this process. You much seek it and seek it early. Lawyers can provide many avenues to you early in the process. Once you have committed to treatment, gone for evaluation or are in a PRN contract , this is very little that you or legal help can do. Spend a few thousand dollars when you are accused and save the 20-30,000 later.
After you have been evaluated if you disagree as I did, then this is the process you must undergo. 1. Hire a occupation, defense, lawyer 2. Prove you don’t have an addiction, this is done by having an alternative evaluator with similar credentials state that either you don’t have an addiction or that PRN’s level of monitoring is not medically appropriate ( this will need to be a multi day neuropsychological evaluation, which will cost about $5000). 3. Your lawyer must draft in writing that the medical level of monitoring is not required such as another medical professional and send this to PRN 4. PRN will tattle on you to the board of medicine. 5. The board of medicine will conduct an investigation. 6. At the end or when they believe they have enough reasonable evidence to the board of medicine will suspend your license or claim, you must comply with the PRN contract to practice. 7. At this time your lawyer will defend you in the state court against the board. This is costly but much less than the coast of a 5 year PRN contract 8. If you win you will likely suggest an alternative level of care such as gonna get therapy every week. If you lose, than you wasted a fuck ton of money and are still bound by your PRN contract.
Overall this entire process has coast me Over all coast:
My finances for this year only including PRN and rent are as follows:
120-200$ every week for testing 480-800/ month
65 every week for therapy 195/month
125 every month for PRN group
About 50-69 every month for 2 doctor apts
So at least 745$/month at the lowest
Treatment at the recovery center coast 20,000 for me out of pocket and
I wasn’t payed for 6 months with no FMLA because I am a first year. At the 1 year mark I will have made 26,000 this year after taxes And payed About 29,000 on PRN alone
Rent is 1,000 so that’s 12,000 a year
Just in rent and PRN alone I will be at 26,000- 41,600 -15,600.
I will be in debt by at least 18,000 at the 1 year mark
Coast of treatment center 20,000 (with insurance) For each year of PRN roughly 20,000 Add that to 6 months of attending salary which was delayed due to my treatment time: at least 150,000 Layer coasts along with other evaluations 25,000 Missing 6 months of residency pay 30,000 Coast of 1 year in monitoring: 245,000 Coast of 5 years 325,000
If my case progress to a trail I will require an extra 20,000 in court coasts
Chapter 11 My secondary eval: Dr sushi After I arrived at my treatment center I challenge my evaluation multiple times. Each and every time I was discharged and often accused of alternate mental health/ substance abuse issues to discourage my advances. I was never given the opportunity to undergo alternative assessment, however PRN guidelines state that you can obtain a second option within 7 days of your first. This is a mute point, however, because you will not receive the results of your evaluation until over a week after it is conducted and the second evaluation must be conducted by another PRN hired evaluator of their choosing. During my stay in rehab I contacted PRN multiple times to attempt another evaluation/ legal help. They warned against both stating they were a “waste of money” and “pointless”.
After completing my treatment with the guidance of many addiction, experienced physicians, mental health counselors and psychiatrists recommendations I sought in a secondary evaluation. I chose a highly qualified professional with over 30 years of experience to conduct an extensive neuo psycho social evaluation of me. One that I was sure would be more extensive than the evaluation I received at treatment and more importantly an unbiased evaluation.
The results from my evaluation not only showed that I did not have a substance abuse problem warranting PRN level monitoring, but also that PRN was falling to allow adequate treatment of other conditions such as my ADHD. My evaluation showed my ADHD was not only untreated by PRNs attempt at using non controlled medication, but also in the top 3% most severe presentations of ADHD. My evaluator went on to explain my results by questioning why my treatment center even mandated I undergo neuro cognitive evaluation. The only neurodiverse findings were my IQ, my dyslexia and my ADHD. However, a neuo cognitive examination can be billed separately by treatment centers, therefore they always recommend one.
Chapter 12 Amongst its greed, intrusive nature and faulty accusations, professional recourse network function highly proficiently at the task they were designed to; protective physicians and patients from physicians who are impaired at work. In this domain they save lives, offer second changes and protect the public. When they act beyond their intended jurisdiction by imposing unnecessary monetary demands on practitionersin training, accuse practitioners without proof or act on behavior exemplified outside of a work setting they unjustly and inappropriately attack the week and innocent.
Proposed reform: As a trainee my universities malpractice insurance covers me for mistakes made at work. If a learner mistakenly harms a patient, then the university stands on their behalf. If the learner does something wrong under a teachers direct guidance, then the teacher is at fault. This makes sense logically as well as pragmatically. The state entrusts large amounts of money to hospital systems and universities to train resident physicians. A portion of this money is allocated to malpractice insurance. This should extend to accused impairment.
Suppose a training university was required to cover rehabilitation and monitoring of a resident of whom they claim is impaired. Alternatively they have the option of firing the trainee. This would reduce the number of innocent trainees being accused of impairment, make the process of rehabilitation more fair and provide a better use for tax payer derived dollars, which hospital systems are given to train residents. The truly impaired could still seek help, less false accusations would be made and with the employers having the ability to fire at the moment of impairment, there would be less chance of impairment at work.
submitted by Defiant_Buy_101 to u/Defiant_Buy_101 [link] [comments]


2024.05.16 08:37 C0nd0rX Clips of wisdom

Previously posted in discord by multiple group members.
Still WIP
https://youtube.com/clip/UgkxNBHptGMdNl-eBsi5prqlhbMdN5EzyKsM Megaphone pattern
https://youtube.com/clip/UgkxvfeZp4-W4dBsgl07Hhc4o3h9RE93u7v0 Focus
https://youtube.com/clip/UgkxZl8MctTB3beEa7pzjluNxQO3_VBCNAal Ignorance breeds emotion
https://www.twitch.tv/winternomics/clip/FaintFrozenHorseradishCoolCat?filter=clips&range=all&sort=time The Central Banker's Bankers
https://youtube.com/clip/UgkxnTV9Et5R3hk_x_yju-oRrCGCY5xCkZ0w Bullflags bottoms - dead bodes - told you so
https://youtube.com/clip/UgkxYJc_JkjrimMdIonC3qtD3WYcNb2dIALq Consumer sentiment 1
https://youtube.com/clip/UgkxEPyYOKTzOGPZZrJa_2bHSBaOJYY2bOpo Consumer sentiment 2
https://youtube.com/clip/UgkxYXuccyb_NeQMtgLCHFRjaFtZMCSkXdb3 Foresight minded
https://youtube.com/clip/UgkxD-jrWFeozWA-gzozwYT8UKnBH7v7yx14 Thought preceeds action - graph is a behaviour
https://youtube.com/clip/Ugkxr-qbKm3Zfkp0cnQKUTKTBVOpj2SSWEoj losses are set and potential cost of doing business
https://www.twitch.tv/winternomics/clip/TsundereStrangeAubergineNerfRedBlaster?filter=clips&range=all&sort=time study the losses
https://youtube.com/clip/Ugkxtew1O645zcDrC5zGAJtVfOvY9zG9psiD overvalue - undervalue - value governed by law of substitution
https://youtube.com/clip/UgkxOaUIid7SyFq6KIFlvnUzTFcWBTe2p-e3 learn to fish - learn to think for yourself and have conviction
https://youtube.com/clip/Ugkxz6Crr-rsUILhd5OIO1AwnYnrspAzOf81 Herd mentality 1
https://youtube.com/clip/UgkxpFIaKerCkrqEeazuZ17UvmSlGY-7jsWh Herd mentality 2
https://youtube.com/clip/UgkxG2yXkDU5qpwkuq9XsQnLkd7pvl7m7oO4 arbitrage of perception
https://youtube.com/clip/UgkxJ0JR1KzYWV9ddeVbEzWhBW7zo8u1mdV7 Housing Price Mechanics - yield - prices
https://youtube.com/clip/Ugkx29-VDu1Ihxz5WgOuk54PefxUkCPSWMGf What causes SPY gaps
https://youtube.com/clip/UgkxbICssst49iuTwHOC1KR5ZBjIeLUfoqPy disappering ppl from the eco
https://youtube.com/clip/UgkxkVOaqsCHu5j8dPcBMbH9-TLLBfygLPWP Sector subdivision sympathy
https://youtube.com/clip/Ugkx12T4L9E1Skui5p70m_rp_YEzJylG9fsA Never bet against the trend if you found one
https://youtube.com/clip/Ugkx3r5WpgGUK5TMmhKn3oTL5ktEAARjHqyK Don't fomo - think and plan
https://youtube.com/clip/UgkxY8vV5jmQM3kzmvJ_L8mjik8RO1PyTIT5 Brics VS West 1
https://youtube.com/clip/UgkxrCBo1Hi0Y2Xq4XelOvg7A-mjUb9vUQ24 Brics VS West 2
https://clips.twitch.tv/FantasticFunNightingaleM4xHeh Inflation - like water in the pool
https://clips.twitch.tv/DarkCrackyTermitePeteZaroll Fear is a mind killer
https://youtube.com/clip/Ugkxs51NcN8mahiWGxITSuGieipMQQ9mC2sy Psychology of trends and bullflag
https://youtube.com/clip/Ugkx3JUCvnfSEvKVqNCOD63SZfryoS7lYU83 Be proactive, be vigilent
https://youtube.com/clip/UgkxdqZlIXfNBbRlKtxoT7Q8uvbF1AdfomGX Pusshing buttons -> take a breatherPusshing buttons -> take a breather
https://youtube.com/clip/UgkxzeW-NTXGpX-XSfSn78ucvnROvJeKMGXT Expected earnings surprise - perception arbitrage 1
https://youtube.com/clip/Ugkxx86A594tRWrbcGFCMhqWYBoPUMNYg1MC Expected earnings surprise - perception arbitrage 2
https://youtube.com/clip/UgkxCwxB01EJPXSqbq-yIeMrgHeWduE_y71- Being active is a habit most people don't have - most people are lazy
https://www.twitch.tv/winternomics/clip/EnjoyableTolerantFriesYee?filter=clips&range=all&sort=time Keep progressing, constantly become your better version
https://youtube.com/clip/Ugkx8CcBVtVEt62uF-m1HcjEc_JhksduoFwS Fractal analysis - add context and sentiments
https://clips.twitch.tv/AlertHelpfulTardigradePermaSmug Manage risk and increase capital systematically
https://youtube.com/clip/Ugkxs8_E7qC6tk4ni_nlNjyW71iJzEdl5W2e manage emotions - make plans - quantum paths
https://clips.twitch.tv/RichStrongBatteryPeteZaroll Be mechanical - have a business plan
https://youtube.com/clip/UgkxPmYxjqI1gUHsRVgqFYs-BYTZth6vAuEB Price is people
https://youtube.com/clip/UgkxVI3m4_GUlgYElHIMuTVIOJIBy-AA4wgR attention span - Organisation is everything - consistency - life pattern
https://youtube.com/clip/UgkxX76aXOjDlKdGu-SpHU0OtypgBo7HHkue Government spending is the driver of the economy
https://youtube.com/clip/UgkxFZBeTIfKWGYNOkPwF0rvy9idF79JICyN Drift is Real - can happen to all of us
https://youtube.com/clip/Ugkx949hC7BQ40bYdtVMkekP2ih-ZeF30kQ4?si=VpF4BfB4QNJPMAjK Perspective matters - 2 sides of the cup
https://youtube.com/clip/UgkxngVpphKOi_hvcyf09g8LqNds4YMgAQrU Fed fighting inflation by preventing labour force from having pricing power over wages.
https://youtube.com/clip/UgkxYdoI_l7Q0JOrAp2d5fZsZJHXIn-zD70J no one is in - AAPL gets to ATH because no one is ever in it. #AppleEvents
https://youtube.com/clip/Ugkx-AaE6dG173xUdBFE_MLU2geWUPSZMRej The habits for career trading is not something that everyone has.
https://youtube.com/clip/UgkxPH2YtekA_hkIVwHbVSPMh8fH5eqPcqkB when it seems too bullish pause and reflect on that
https://youtube.com/clip/UgkxZnlIU6yS9ACV0ehQJIbOuKrNGXfzoqDO world basket index
https://youtube.com/clip/UgkxXxQQL8aiOlUqwMdY9zahI52idcWBlvSM if it's free, you are the product - People are the product in free to trade brokers
https://youtube.com/clip/UgkxlDBkPy9nx5La4D6WAqgzWjTFwDmMKhwE Markets about a few making money -- value is about scarcity and utility -- universe hates socialist
https://youtube.com/clip/Ugkxpi1XcxdeqXBdVytLYUW5-GJGVzjGjpu3 Watch other sectors for catch up mode on SPY flag rotation
https://youtube.com/clip/Ugkx5f4tP4tKEEDskgMirStfIUgdZnAuRkEO Not trading is a trade
https://youtube.com/clip/UgkxqNSmtWHN90fn3Vu-pw0ZjtSW8x9pppgN price has memory
https://youtube.com/clip/Ugkx-06loG1pjfXeMSKNcoFLOJO2NjFsxcJb Sentiment damage at he bottom of the bull flag led to the arch.
https://youtube.com/clip/UgkxBd9GGCQ8tlxVgAMo5MPiF9aB0q1843e2 No one wants it till ATH. - major sentiment damage in the bottom
https://youtube.com/clip/Ugkx5ex9OC2B58MkYvMAZLFx_rNoRSPdGN9x Duration of the bottom rotation mind fucks people
https://youtube.com/clip/UgkxOqS34ojsxMG4Vya3gqzczieprntJiBEM Fed derisking market == sending people back to work
https://youtube.com/clip/UgkxscWAVJw_7Szlp98qZxsfJL_SY1p2tdWt Fed derisking market == sending people back to work --2
https://youtube.com/clip/Ugkx120HZOMQN-TTZL7bcHB2HfOd5YMsQNHp Dxy index and what it is
https://youtube.com/clip/UgkxQmdDSdNiMPBVNnpuH5xzsldF1E5Uw8bf inflation / deflation = water illustration
https://youtube.com/clip/UgkxC6ZW23V9pZzZO1tctMH5zW3K3vL-wlML inflation / deflation = water illustration - 2
https://youtube.com/clip/UgkxG5Oe1QlKN_l1T-dCZqXM4q49-a1UvOuh inflation / deflation = water illustration - 3
https://youtube.com/clip/UgkxTFxRy6t-ifxZ-mwaGgc3jGhlASaQm-_w Long attention span important for planning on macro resolutions
https://youtube.com/clip/UgkxlLskc-W9jpUusxqHvDweDHJoERNGv-uz synchronicity, Objective analysis - observing without judgement
https://youtube.com/clip/UgkxZ6rraHg_Sg7Ae1K0o1TDPv3iUHwEkazP observe without judgement - twitter greatest sample of population
https://youtube.com/clip/Ugkx2Az-MMLUF8QVCA6Dbdmb6fRTgDUiuFEq FED is the Market memo - never bet against the fed
https://www.twitch.tv/winternomics/clip/NeighborlyFrailMallardCmonBruh Information bigotry - system to system
https://youtube.com/clip/Ugkx8N26_1JkraljnpETDlEt7UFJEAVBbr4a Cycles of the Presidency in US part #1
https://youtube.com/clip/Ugkxq0ZnFYocliIk5g2u_UdUZRDwpxuc4FMh Debt base Economy explanation, government spending under Democrats
https://youtube.com/clip/UgkxAk4Zm2lxbtvqEazMXu0FZ_lwK0rdjs_W Professional trader habits
https://youtube.com/clip/Ugkxn6kg1Pi-GVfXYxQ9gCSx36hDrcBfWaPI When you cant manage the data flow, you cant use it memo
https://youtube.com/clip/UgkxDvijqhLZpj1PjHCMuB5lw06JVqqsPc1t Memo on good idea is seldom and value requires scarcity and utility
https://youtube.com/clip/Ugkxwg_tahfMcO6_nnCM2ZQAso_3DIgVS5gV Sentiment on rotation to the top memo - nobody wants it
https://youtube.com/clip/UgkxZvuNUI5X3i0fOsntLwPU-fPQ-FfW6QBr Best of breed
https://youtube.com/clip/UgkxAJLoZuWnTNDKc793xvBn_Z01bUphdpuv What the crowd does
https://youtube.com/clip/UgkxR8iZck8a6EkmHOcBcVROpAOjEEo_QtGO Japan - The carry trade and why we watch the YEN
https://youtube.com/clip/UgkxyvL3t1R3KbFCP5a-ROWrClRMkbkXE0fe Economists are clueless
https://youtube.com/clip/UgkxsjVrJzJJ94eFpCc6V4299ZQww-stfOFP Tesla - Arc & Probably needs consolidation
https://youtube.com/clip/UgkxzVwbfPERuc1DEWSj0WZqnlEPVwwc0Lpm Unity - Been a Long Time
https://youtube.com/clip/UgkxB8ON2jDIFAIA_BADJC_RJsho0yp-MGfo Rotation of sentiments of crowd and marketing phase
https://youtube.com/clip/UgkxfO1TqBMKTO1ZbngTU5jdZwsu6_5d1up6 smart money (e.g. goldman sachs in this clip) bullshitting the crowd
https://youtube.com/clip/Ugkxvw-yvYNdmPv9ekoM76iu8xJK7niQvdE7 TM_HMC_japan - don't sleep on Japan
https://youtube.com/clip/UgkxMtNza7rjujyNMXZNvbDXPc9J2FpvHdq5 Bias & People deleting information
https://youtube.com/clip/Ugkx8YrM1Ps-AxSoUe1jtEuPO-vx-BbE1MpB Bias & People deleting information - emotion and ego
https://youtube.com/clip/UgkxcDBNVvhDWXip8x2N4xV_55PL1hkBimSP Detecting Emotions within self is a skill to develop and how we correlate like a school of Fish.
https://youtube.com/clip/UgkxLyW76I4Ykt6LZth9vVIeqBvbGvydhLd- SPY Emotional Levels - box ranges
https://youtube.com/clip/UgkxXjaWFHn57-ME-auOaeKBMFo-0MJCK5mt 1/atometh memo - defi
https://youtube.com/clip/UgkxdgPMMTveupZa-Jdr8dvME_lLFJuA5GaH 1/atometh memo second part
https://youtube.com/clip/UgkxI3NOZJsydIBPZy3xQ2c8loPuRfGkCLeF Where bad ideas come from... memo on behavior! - dunning kruger effect, empty bell makes the most noise
https://youtube.com/clip/UgkxzaMRBzYUZo2UsaEGKVKR00N8g4voM5ji BTC & ETH not targeted by SEC
https://youtube.com/clip/UgkxbkRh5G6F1nXCvejweGcGCx99I7mXFusn memo on planing for breakout, localised monopoly free and clear.
https://youtube.com/clip/UgkxQeY_6i6FEjKsC4wRBaKwCz2E70CCoIpc Price is people 💀 - mass shootings
https://youtube.com/clip/UgkxNWKCsJnUp8goTdqjlBbjcAc45SUbCjJM Sympathy plays 🔮
https://youtube.com/clip/Ugkx2DDHPjBEXRI3rNAiOzQgS1pzOpTgqt2j darth maul move after fed announcement
https://youtube.com/clip/UgkxT8XNCfA7ydDtd_78xA_2WPVyMzEm1vzs How misinformation spreads among people
https://youtube.com/clip/Ugkxr5HkBp1sYdYYFdLlxA0Z4fUWAeH8kEJ_ Media writers are the point of value in the sea of shit and are clueless about the market
https://youtube.com/clip/Ugkx6WM9HxmMnKziP-yn6GBshuDIz7HiljBv Dow/Gold ratio -- using the ratio to track how Bob Pisani misleads the crowd
https://youtube.com/clip/UgkxKU3SBRgBj3TAcz5HZ0jAP47CRCBJF7b2 quad witching day is noisy - caution
https://youtube.com/clip/UgkxD554zo5j9erz9d3sUnCneun0yIZpOmFx Close Emotional Extremes and Interaction
https://youtube.com/clip/UgkxbBOuFMfAzAaVou3l7z23HF7hcucrum0D backwadation explained
https://youtube.com/clip/UgkxzagKnzgubOy-CSIYxiViUSZPZidGv_Cw How bias works - deletion of information
https://youtube.com/clip/UgkxL3WOIg4OolydVOrImzbiUI17LGJ9ULhi Darth Maul rule explanation
https://youtube.com/clip/UgkxrI1H1P_ihnIWxktFZRRbCCOF8tK2dzir managing information - focus, plans for years
https://youtube.com/clip/UgkxHQBT_OBCL1ET_UKZh2DPbjJs5pFWtP5E All you need is in the price, footprint in Price, Good TA will put you in the same place as FA - smartest guy leaves a footprint in price
https://youtube.com/clip/UgkxR2JI_oXt2IB7zW04i0FcN6uYP1aCWP8j Volatility Dynamics
https://youtube.com/clip/UgkxgMVblWcEWsNyLJjlgp3qxDkFyl1tOLIL Heart of darkness - self sentiment read
https://youtube.com/clip/UgkxzFkaRP32zHiZHN2m15XOx8pND-YmBFrA Fomo
https://youtube.com/clip/UgkxBaaN3PoWpLxjzVUf2zaLS0cLKPGuEO-2 Lack of confidence - you are a superstar in your own world
https://youtube.com/clip/UgkxTuRjBYJ2-L4WKrtKmBkkBbVWYU46z3kM gratitude and mental state to see abundance - foreseight, perspective
https://youtube.com/clip/Ugkxxk9EBs4Jh69lTqpflo5mcQSQZRSZixUC Crypto: Solution Looking for a Problem. Part 1
https://youtube.com/clip/Ugkxsc0gfW_g81M6bOmOLBPTTsRqkRTzz-fQ Crypto: Solution Looking for a Problem. Part 2
https://youtube.com/clip/UgkxjaceJtljrT_IjaZsup52FgaCRZvIwOyT In markets, Trigger Fundamentally, Enter Technically - trading perceptions
https://youtube.com/clip/Ugkx94LfDLpVXXXEn3oyufhoU8WtuDzBgwYJ Installed Optimism, Why only Long ? Part 1
https://youtube.com/clip/UgkxkCha7prvR9KwuqWY-r6V29iXHhOBgl18 Installed Optimism, Why only Long ? Part 2 - information tilt
https://youtube.com/clip/UgkxqvZx-_YfMKaRtihNPM53S4q31MayRIZm The Market Cycle, The Arbitrage of Perception Part 1
https://youtube.com/clip/UgkxW25dUaUvXgq0SNskXO9lXl49nKaw33BZ The Market Cycle, The Arbitrage of Perception Part 2
https://youtube.com/clip/UgkxI5s0zaQDk1BxX4N6B5Da2opxYJDJqaLq x / y Tingz: Outcompete yourself !
https://youtube.com/clip/Ugkxqlu2h0tbV0izUF8ONr6ciM2msRVYqj9G Controlling emotions and being consistent - move like a boss
https://youtube.com/clip/UgkxK-ELg74I0CvOuInzOkxVq9wCoV8PvL27 Consistency - rare habit
https://youtube.com/clip/UgkxD1-BBwOQnvwyvXVXbL4xkT0raXNgXZQE concentrate mental horsepower on a few things - can't trade every single asset -> king of none
https://youtube.com/clip/Ugkx8aKBYbZJHzszBtR3f3IWaprjK2Tnob8I How to hedge clones ? - protect NFT asset base
https://youtube.com/clip/UgkxEf3t2v1InBzPaZcQQa8nx4itBm_s-qiA Sentiment Damage
https://youtube.com/clip/UgkxUtaedFVe2EKJwOfEXj0YbSBMx1Exx0pr It doesnt matter what might happen, it just matters what really is
https://youtube.com/clip/Ugkxwuv_Zw8jwKcVjYFeiXdJNsYx_WasBof_ Proper Position-sizing
https://youtube.com/clip/UgkxvlXQA97BgBb_NvDFcJbXhyyEjgNR2gyU Only have a small watch list to increase hit rate and focus
https://youtube.com/clip/Ugkx2ckQF9lx2QzjYDbGdHRvobcXg8wjpQlR Manifest your own reality by being the biggest fan of your own capacities - get negative self talk out
https://youtube.com/clip/UgkxJoUdnTzhGA30a0xYVjW-1vdVmLKp92K1 Importance of having goals to understand what to work on - what is the ultimate plan
https://youtube.com/clip/UgkxaUKgCBwPxEJOeYY7IWT4CWqde5XwHNY7 Don’t measure yourself against others as it isn’t a apples to apples comparison - energy flows where attention goes
https://youtube.com/clip/UgkxV3fBFjBjbRnRop6LTvEgJuXKpvm5_Mfn You are the worst enemy - introspection is key to fight that enemy
https://youtube.com/clip/UgkxM_sHyTwlpFe-3IR55_s9wI_Lg7M5z2K9 Apple Moves counter to Other Names
https://youtube.com/clip/UgkxSQ5lE_Q_AOS7Q0sCXZKDB_3YFJowGicR Market is always speaking - listen to Market's Message, not only price structure
https://youtube.com/clip/UgkxQ0HCJUGxBdlo-XQ5mXOiNvyM1P1SOWR1 No one is really looking to be outclassed by anybody - happy family of equally stupid
https://youtube.com/clip/UgkxMgr6JCKjDJ0-VFkAYbWvASMtKcvgZJFV dow (risk on) vs gold (risk off)
https://youtube.com/clip/UgkxhjtkZZyUqN9BCQ1z4Cr2svTF4QdUp1LY Maximum leverage of risk assets vs risk off assets
https://youtube.com/clip/Ugkx-wwOneDG0wraTFexKghAx0ATPFa-3SMk Similar sentiments to Dow/Gld ratio pump
https://youtube.com/clip/UgkxX6Jg41TzsyQTvDFTvafKuaCKd9R7lmIf People sleeping on 100% btc pump
https://youtube.com/clip/UgkxDkuAHEHjQp52kU_hqGZogWPkUJv2bgPL Japan's macro overview
https://youtube.com/clip/UgkxYJDI5fFOp9RBcIaa1p2IVmiHRK586qPo Be patient, plan around the indexes and macro.
https://youtube.com/clip/Ugkx92h6oTCBldtDsYSS0Ihc7_LRrDQlH9f7 dont go digging in the dumpster, just be in the asset that gives you the move
https://youtube.com/clip/Ugkx6uH3yJfjN1W1sYKmMxQjMfeDrLXgSRDX Play best of breed, can make a career trading few things
https://youtube.com/clip/Ugkx8Wy8p1KpZdVMv-imP0YWzAVqQfO2PpnF Looking what the world is doing.
https://youtube.com/clip/UgkxUQG0c_08xQPypJ8uai0uRhoeFlNt5QSC Looking what the world is doing. Part 2 - nowbody knows it's a bull market when it begins
https://youtube.com/clip/Ugkx95jhdl_ve4g127woGdUpJRuRBXh0cKyT Valuable information is always around us and need to pay attention
https://youtube.com/clip/UgkxgzE8_Fb5a6chXFrKbanZtzI0pQys9Qu3 Bruce lee philosophies - reason to participate
https://youtube.com/clip/Ugkx7IqI6LQhw1o4J225pEgWd7jg2d1MH6tK Bruce lee philosophies -- 2
https://youtube.com/clip/UgkxLbemQ3rpyzIpCWw23sFIKqXrONpXNKDc Market mood with Low Viewer Count
https://youtube.com/clip/UgkxKVL0x-8xtWdj3RCPrdsvMdLSI33kiXX0 Sympathy plays definition
https://youtube.com/clip/UgkxcTr258613Hd5aOFbh_3gOPTx7_h792oO Murder cluster analysis
https://youtube.com/clip/UgkxEtnWDPQmvLt0BT69ce1nTIXQ3fOrLzJT Macro shooting cluster analysis
https://youtube.com/clip/UgkxzN_avmlzsc0y_k_Qu8Yb0yWnYYQHwHa6 Kaz's calls
https://youtube.com/clip/UgkxlELMS6OE39MG16b75snUUyYetRJiZFMA Charting murder clusters
https://youtube.com/clip/UgkxR5Kh3nZv7PG6iQEMHDgePNffMD-3OleQ Charting murder clusters 2
submitted by C0nd0rX to WinternomicsTV [link] [comments]


2024.05.16 03:03 Headfullofsin Sued by a debt collector for emergency dental work done by aspen.. advise on how to respond to summons?

My cousin is a first time mom; she just turned 24 & she had wisdom teeth removal and a root canal done years ago on credit because she was in excruciating pain and it just had to be done but her insurance did not cover dental and at the time she was financially stable(no kid, working a full time job & bartending) but she stopped making the payments because she is working 2 days a week (hours were cut due to her not having reliable childcare and the baby has health issues resulting in problems with just anybody watching the baby (the last baby sitter missed a medication dose that landed baby into hospital) point being she’s a good person, she doesn’t have rental assistance or barely any other benefits because they do not offer them in the area she lives and she is barely even making ends meet (she was in a car accident also) …now she received a summons to court over the unpaid debt from a debt collector. Is there anyway she can get out of this situation? Mind you she only had necessity type dental work, no cosmetic work that she only was able to pay a 3rd of before life got hard. If there some type of suit to this such as hippa violation or something to get her out of this situation? Samples response letters..est are welcome.
submitted by Headfullofsin to legal [link] [comments]


2024.05.16 01:28 Chico237 #NIOCORP~SCANDIUM~Advancing Scandium Use in Metal Alloys for U.S. Weapon System Production and Sustainment & a bit more....

#NIOCORP~SCANDIUM~Advancing Scandium Use in Metal Alloys for U.S. Weapon System Production and Sustainment & a bit more....

MAY 15th, 2024~Advancing Scandium Use in Metal Alloys for U.S. Weapon System Production and Sustainment

Advancing Scandium Use in Metal Alloys for U.S. Weapon System Production and Sustainment SBIR.gov
https://preview.redd.it/dwx6p7z78o0d1.png?width=1606&format=png&auto=webp&s=ee8453a29e485ce514a3aa73c4cdaa6d2980ad45
https://preview.redd.it/ueltbqtn7o0d1.png?width=1195&format=png&auto=webp&s=c5fdb8802a908188a0ee575addbfee5d5070b9be

OUSD (R&E) CRITICAL TECHNOLOGY AREA(S): Advanced Materials


The technology within this topic is restricted under the International Traffic in Arms Regulation (ITAR), 22 CFR Parts 120-130, which controls the export and import of defense-related material and services, including export of sensitive technical data, or the Export Administration Regulation (EAR), 15 CFR Parts 730-774, which controls dual use items. Offerors must disclose any proposed use of foreign nationals (FNs), their country(ies) of origin, the type of visa or work permit possessed, and the statement of work (SOW) tasks intended for accomplishment by the FN(s) in accordance with the Announcement. Offerors are advised foreign nationals proposed to perform on this topic may be restricted due to the technical data under US Export Control Laws.

OBJECTIVE: The Defense Logistics Agency (DLA) seeks to promote responsive, best value supplies of related materials, components, and systems to Department of Defense (DoD) customers and other DoD stakeholders. DLA investigates advancements in technologies and business processes for new and improved materials, more efficient means of their production, and competitive domestic supply chains which will lead to greater innovation in current and future defense systems combined with benefits to other commercial and government applications.
DLA is interested in exploring future defense industrial base uses for scandium (Sc) because of its unique properties as a pure metal and, as an alloying agent, to significantly increase the performance of traditional aluminum (Al) alloys, and therefore expand the use of Al alloys. Further benefits include, substituting aluminum-scandium (Al-Sc) alloys for incumbent expensive materials (e.g., titanium) and/or replacing material forms that are both costly and difficult to source (e.g., forging, complex machined parts, and extrusions), as Al-Sc alloys are highly compatible with additive manufacturing techniques.
Scandium can impart high strength properties to Al alloys which allows for reduced weight designs (compared to traditional Al alloy) and components for a wide range of defense platforms and other military items. Al-Sc alloys exhibit increased resistance to high temperature and corrosion when compared to common Al alloys. Of further interest, is the high weldability of Al-Sc alloy. Alloys with high weldability can reduce manufacturing labor and other costs associated with joining components and structures. Al-Sc alloy can be especially useful when used as a powder or wire in additive manufacturing. Potential DoD applications for Al-Sc alloy include the production and sustainment of missiles, aircraft, space launch vehicles, satellites, solider systems, military ground vehicles, marine applications, and other weapon systems (e.g., small arms and artillery).
While Sc metal has many attractive material characteristics, its cost is frequently considered prohibitive for Al alloying purposes compared to other alloying elements. In addition, the supply of Sc metal and compounds is limited and highly concentrated in a small number of foreign countries including China and Russia. As such, there is reluctance to develop wide scale uses for Al-Sc alloys for many applications including DoD weapon systems and large-scale non-defense applications (e.g., commercial aviation and automotive manufacturing).

In the United States mining operations for Sc ore are being planned and developed to feed a domestic supply chain and, recently, new sources of Sc now exist in Canada (an important member country of DoD’s National Technology Industrial Base). There are also established defense industrial base companies and other businesses in both countries that can significantly contribute to development and commercialization of Al-Sc supply chains for both military and commercial applications.

Given the important properties of Sc, and in anticipation of increased affordable domestic supply, DLA is interested in engaging small businesses with the capability to develop and expand expertise and industrial base production capacity of Sc-containing materials, especially in areas relevant to the supply of Al-Sc alloy components for DoD end-uses.

Specific materials, processing and manufacturing areas of interest include:

  • Raw material refining
  • High purity Sc metals, compounds, and alloys
  • Additive manufacturing feedstock
  • Additively manufactured DoD systems prototype parts

Research and Development (R&D) efforts selected under this topic shall demonstrate and involve a degree of risk where the technical feasibility of the proposed work has not been fully established. Further, proposed efforts must be judged to be at a Technology and/or Manufacturing Readiness Level (TRL/MRL) 6 or less, but greater than TRL/MRL 3 to receive funding consideration.

TRL 3. (Analytical and Experimental Critical Function and/or Characteristic Proof of Concept)
TRL 6. (System/Subsystem Model or Prototype Demonstration in a Relevant Environment)

DESCRIPTION: DLA seeks SBIR project opportunities in new and innovative materials, processing, and manufacturing of Sc compounds, Sc metal, Al-Sc alloy and master alloys, and related areas of additive manufacturing. While Al and Sc are the primary metals of interest for this solicitation, it is anticipated that additional alloying elements may be included to tailor the final alloy properties. Specific areas of interest include:

  • Processing mining ores (and/or scrap waste streams) into high purity Sc compounds (ex., Sc-oxide) feedstock for production of pure Sc metal, Al-Sc alloy, master alloys, etc.
  • Commercial production of high purity Sc metal (domestic feedstock preferred)
  • Commercial production of Al-Sc alloy powder and wire for additive manufacturing
  • Demonstrating additively manufactured Al-Sc alloy parts for DoD weapon systems.

DLA seeks opportunities that include strong industry supply chain collaboration with established materials companies relevant to the above areas of interest in Sc materials processing, as well as strong collaboration with traditional or non-traditional DoD weapon systems suppliers. DLA similarly desires SBIR opportunities that include collaboration with interested DoD weapon system program offices and/or relevant DoD RDT&E organizations.

PROJECT DURATION and COST: Proposals exceeding these limits will not be evaluated.
PHASE I: Not to exceed a duration of 12 months and cost of $100,000.
PHASE II: Not to exceed a duration of 24 months and cost of $1,000,000.

PHASE I: Phase I will demonstrate proof of concept in one or more of the above areas of interest in scandium materials and processing. A technology development and commercialization roadmap will be produced along with a preliminary business case analysis for transition and industrial scale up. Strong industry supply chain collaboration with established materials companies relevant to the above areas of interest in scandium materials and processing is expected, along with involvement of one or more traditional or non-traditional DoD weapon systems suppliers. Strong support from one or more interested DoD weapon system program offices and/or relevant DoD RDT&E organization required.

PHASE II: Depending on Phase I results, Phase II will consist of establishing pilot scale or low-rate production of technologies that are successfully demonstrated in Phase I. Additional activities may include further materials and processing testing, characterization, and data base development of related materials and processes that can be used by future producers of scandium materials of interest (e.g., compounds, metals, alloys, and master alloys as well as related additive manufacturing powders and wire, and fabricators of aluminum scandium end-items). Development of a detailed business case analysis and commercialization plan will be required.

Strong industry supply chain collaboration with established materials companies relevant to the above areas of interest in scandium materials and processing, along with involvement from traditional and/or non-traditional DoD weapon systems suppliers, is required, along with strong support from interested DoD weapon system program offices and/or relevant DoD RDT&E organizations.

Innovative materials and processes, and commercially viable sources of their supply, shall be developed with the goal to readily transition to production in support of DoD and its supply chains.
PHASE III DUAL USE APPLICATIONS: Phase III is any proposal that derives from, extends or completes a transition from a Phase I or II project. Phase III proposals will be accepted after the completion of Phase I and or Phase II projects.
There is no specific funding associated with Phase III, except Phase III is not allowed to use SBISTTR coded funding. Any other type of funding is allowed.
Phase III proposal Submission. Phase III proposals are emailed directly to DLA SBIR2@dla.mil. The PMO team will set up evaluations and coordinate the funding and contracting actions depending on the outcome of the evaluations. A Phase III proposal should follow the same format as Phase II for the content and format. There are, however, no limitations to the amount of funding requested, or the period of performance. All other guidelines apply.

Transition Plan
  1. Period of Performance: TBD
  2. Budget: $ TBD

This Phase of the project should include:
  1. Delivery of a production level product to J68 ready for integration into the overall DLA Enterprise system.
  2. Develop a sustainment plan to support the delivered system for the lifetime of the program.

REFERENCES:
  1. Mineral Commodity Summaries 2024, U.S. Department of the Interior, U.S. Geological Survey

Jones, R.; Peng, D.; Ang, A.; Aston, R.W.; Schoenborn, N.D.; Phan, N.D. A Comparison of the Damage Tolerance of AA7075-T6, AA2024-T3, and Boeing Space, Intelligence, and Weapons Systems AM-Built LPBF Scalmalloy. Aerospace 2023, 10, 733.

https://doi.org/10.3390/aerospace10080733

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  1. Conclusions Noting that AA7075-T6 is widely used by both fixed- and rotary-wing military aircraft, as well as in space structures, the initial objective of this study was to directly compare crack growth in identical AA7075-T6 and Scalmalloy specimens tested in the same servohydraulic facility under the same stresses and by the same operators. The experimental data reveal that Boeing Space, Intelligence, and Weapons Systems AM-built Scalmalloy appears to be more damage tolerant than the conventionally built aluminium alloy AA7075-T6. As a result, Boeing Space, Intelligence, and Weapons Systems printed Scalmalloy would appear to be particularly attractive for use on a range of military aircraft, as well as for space applications. It also highlights the potential for Boeing Space, Intelligence, and Weapons Systems Scalmalloy to be used to extend the operational lives of military aircraft through the on-demand printing of limited life Scalmalloy replacement parts. The results of this initial test program have led to the hypothesis that the da/dN versus ∆K curves associated with Scalmalloy and conventionally built AA2024-T3 should be similar. This hypothesis was, subsequently, validated by comparison to AA2024-T3 da/dN versus ∆K curves taken from the Nasgro database. This observation subsequently led to the conjecture that the small crack da/dN versus ∆K curves associated with Scalmalloy and AA2024-T3, which are needed for a durability analysis, should be similar. If this hypothesis can be confirmed, then given that: (i) Scalmalloy has a yield stress significantly greater than that of AA2024-T3; (ii) AA2024-T3 is widely used in both fixed- and rotary-wing aircraft; (iii) MIL-STD-1530D mandates that there must be no yield at 100% DLL and the US Joint Services Structural Guidelines JSSG2006 states that there should be no yield at 115% DLL, the use of Scalmalloy for both fixed- and rotary-wing aircraft, and drones would appear to be very attractive. As such, the next stage in the study will involve the determination of valid upper bound da/dN versus ∆K curves for the growth of short cracks in AA2024-T3.

GIVEN ONCE FINANCED:

ON Sept. 28, 2023~ NioCorp ANNOUNCES Plans to Produce Made-in-USA Scandium Master Alloy to Supply Lightweight Parts to Vehicles

NioCorp Plans to Produce Made-in-USA Scandium Master Alloy to Supply Lightweight Parts to Vehicles NioCorp Developments Ltd.
https://preview.redd.it/supxvobu9o0d1.png?width=1080&format=png&auto=webp&s=8d7cf091e037bffdc171c1e4f2985e9471f23ea3
NioCorp Now Working With Automakers To Develop Aluminum-Scandium Vehicle Parts That Are Stronger, Lighter, Higher-Performing, and Fully Recyclable
Prototype Aluminum-Scandium Alloy Parts Have Dual Uses in Commercial and Military Applications
EV/Hybrid Sales Forecasts Predict Tens of Millions of Units Globally By 2030\1]), Underscoring the Importance of Bringing New Sources of Non-Chinese and Non-Russian Scandium Supply Online, NioCorp Says
CENTENNIAL, Colo. (August 14, 2023) – A phased program to establish U.S. commercial production of aluminum-scandium (“AlSc”) master alloy took another step forward recently as NioCorp Developments Ltd. (“NioCorp” or the “Company”) (NASDAQ:NB) (TSX:NB) and its development partner Nanoscale Powders LLC (“Nanoscale”) successfully produced scandium metal at pilot-scale at a facility owned and operated by Creative Engineers in Pennsylvania.
The next step in the pilot-scale program is to produce kilogram-sized ingots of AlSc master alloy for independent testing and commercial product samples. The first of these AlSc master alloy ingots is expected to be produced in the coming weeks.

Three-Phase Commercialization Program

NioCorp and Nanoscale are pursuing a three-phased development plan for commercial production of AlSc master alloy. The goal of this program is to achieve full-scale AlSc master alloy production at approximately the same time as the Elk Creek Critical Minerals Project (the “Elk Creek Project”) achieves commercial operation and planned production of approximately 100 tonnes per year of scandium oxide.
  1. Pilot scale batch production of 10 kilogram master alloy ingots**. Master alloy produced will be fully analyzed (metals and gases) at independent test facilities. Ingot samples will be available for third-party examination and prospective customer testing / sampling.**
  2. Commercial demonstration production of 100 kg ingots**. NioCorp expects to perform this work at a third-party ingot casting facility, which is expected to significantly reduce development timelines and cost as well as leverage existing facility permits and operator experience. The objective of this stage will be to optimize the production process and operating conditions.**
  3. Full scale commercial production of master alloy**. Assuming successful results at the pilot scale and commercial demonstration stages, and once project financing is obtained, NioCorp intends to secure an Engineering, Procurement, and Construction contractor to construct, start up, and commission a full-scale production facility with the capacity to consume up to the Elk Creek Project’s projected scandium production of approximately 100 tonnes (Sc metal contained in master alloy) per year. NioCorp intends to co-locate the full-scale production facility with the Elk Creek Project in Nebraska in order to take advantage of the infrastructure (i.e., low-cost power, water, and natural gas) that will be in place for mining operations.**
NioCorp and Nanoscale also plan to develop recycling approaches for scrap alloy, including work-in-process material and post-production scrap.
Qualified Persons:
Scott Honan, M.Sc., SME-RM, COO of NioCorp Developments Ltd., a Qualified Person as defined by National Instrument 43-101, has reviewed and approved the technical information and verified the data contained in this news release.

***SEE RESPONSES FROM NIOCORP/JIM SIMS FROM AUGUST 14, 2023 ~Good morning - Jim!

While waiting for Niocorp’s 2023 F.S. Release… The announcement for Scandium Alloy Production & Scandium alloy funding are most welcome!

Leading me to add to my line of questions regarding Scandium & (Niocorp).

A) Would Niocorp qualify for a portion of this recent funding once approved by Congress? Moving forward.
RESPONSE:

"This funding was placed in the FY24 DoD Appropriations bill at the request of Nebraska Senator Deb Fischer, a member of the Senate Appropriations Committee, for the purpose of helping to fund NioCorp's effort to establish domestic commercial production of AlSc master alloy. There is always a process within the DoD to select appropriate projects with funding provided to it by Congress. In this case, however, the House and Senate Armed Services Committees provided additional guidance to DoD on this topic in their respective National Defense Authorization bills, including prioritizing domestic production of such materials. "

Next Question ~ For context:

(Imperial mining, CleanTech, & Scandium International all have patents on Scandium & Sc aluminum alloy products. Rio Tinto has established a North American domestic supply(@15 tons/year with expansion capabilities) & has established a working relationship with Boeing.
Niocorp has produced Scandium aluminum with both IBC (under Chris Huskamp now with Jabil) & with Ames Lab, but has yet to patent any process or materials.
Niocorp has established a working relationship with Nanoscale to produce patentable Scandium Aluminum products in the years ahead…)
Jim-
B) How Does/will Niocorp’s expected Scandium production & future patentable Scandium materials be utilized by management moving forward? Once realized…. ; and How do/would they compare to those materials & alloys already developed or patented?
RESPONSE:

"Latent markets for scandium oxide and aluminum-scandium master alloy – both commercial and military -- are quite large, and we are working with a number of potential scandium consumers and related technology companies interested in scandium. We will make announcements in this area as developments require. In general, we don’t comment on detailed commercial business strategies except in the course of necessary announcements and/or public filings. "

C) In addition to Niocorp’s collaboration with NanoScale. Is Niocorp currently working/engaged with other entities such as (Ames Lab, DoD, DoE, Chris Huskamp/Jabil & others) on Scandium Materials/patents?
Or on Niobium, Titanium, or Rare Earth future products (Oxides, Magnets…)
Please comment where possible.
RESPONSE:

"There are multiple such engagements ongoing now for each product in our planned product offering. In general, we don’t comment on commercial business strategies except in the course of necessary announcements and/or public filings. "

D) Are other Entities besides EXIM Bank and Stellantis still interested as possible Debt/Equity finance or Anchor Investos partners moving foward?
Leading to a Final Elk Creek Finance package?
RESPONSE:

"YES!"

FOLLOWING THE TRAIL....

https://preview.redd.it/nukp5nmtao0d1.png?width=435&format=png&auto=webp&s=e99df5822deae4226e54f1e6297a0752beaacb4d

NIOBIUM, TITANIUM, SCANDIUM & RARE EARTH MINERALS: ~H.R. 2670 - NATIONAL DEFENSE AUTHORIZATION ACT FOR FISCAL YEAR 2024~ The urgent need to diversify the United States Defense Industrial base to advance domestic capability, production, modernization, and resilience!

CRPT-118hrpt125.pdf (govinfo.gov)

Page #251~Secure Supply of Niobium Oxide

Page # 232 & 233 ~Extraction and Processing Methods of Rare Earth Elements and Critical Minerals

Page # 223 -224 Aquisition of Titanium

Page # 225-26 ~Aluminum-Scandium Master Alloy Production

The committee recognizes that China is a major producer of high-purity scandium oxide, which has many powerful applications in defense technologies, including strengthening and light-weighting defense and commercial aviation systems. As scandium oxide pro-duction is established in the United States, a missing supply chain component is the conversion of scandium from its oxide form to aluminum-scandium (AlSc) master alloy. This process step is required for utilization of U.S.-mined scandium by many defense applications. At present, production capacity of AlSc master alloy is limited to one facility in the United States. The committee recognizes that the United States may soon become a major producer of highpurity scandium oxide by virtue of a proposed mine and mineral processing project in Nebraska. The committee recognizes the defense-wide importance of a vertical domestic supply chain for both Scandium Oxide and AlSc master alloy and the critical importance of both materials for the production of air-, land-, and sea-based combat systems.
NIOBIUM, TITANIUM, SCANDIUM & RARE EARTH MINERALS: ~H.R. 2670 - NATIONAL DEFENSE AUTHORIZATION ACT FOR FISCAL YEAR 2024~ The urgent need to diversify the United States Defense Industrial base to advance domestic capability, production, modernization, and resilience!
https://preview.redd.it/wu25kirwao0d1.png?width=571&format=png&auto=webp&s=e2716909a898a4a3baabd67ebdee674684daec6b

AUGUST 9, 2023 ~Nebraska’s U.S. Senator Deb Fischer and Congressman Don Bacon Secure $10 Million in Federal Funding for U.S. Aluminum-Scandium Master Alloy Production~

Nebraska’s U.S. Senator Deb Fischer and Congressman Don Bacon Secure $10 Million in Federal Funding for U.S. Aluminum-Scandium Master Alloy Production NioCorp Developments Ltd.
https://preview.redd.it/498g6od4bo0d1.png?width=758&format=png&auto=webp&s=f15d9b1cde01cecbe21a3f14b7943968a1e09924

FORM YOUR OWN OPINIONS & CONCLUSIONS ABOVE:

IMHO- "I think the DoD is still interested! plus...."

All the above BODES WELL FOR NIOCORP & for all the Goodies they will produce -(The Critical Minerals Niobium, Scandium, Titanium, Terbium, Dysprosium, Praseodymium, Neodymium, {lus BYPRODUCTS ~CaCO3, MgCO3 & some IRON STUFF~) should Financing be achieved.... !

https://preview.redd.it/3s7xyi0dbo0d1.png?width=800&format=png&auto=webp&s=83b21549520965e47f98c4dbaa7a877f600ff7e8

FULL STEAM AHEAD NIOCORP! Waiting with many....

https://preview.redd.it/hwqeyrwkbo0d1.png?width=1600&format=png&auto=webp&s=14964a3a057d0038a8a6902c7f50c2e243906a22

Chico

submitted by Chico237 to NIOCORP_MINE [link] [comments]


2024.05.15 22:49 AwakeningStar1968 Contacting creditors.. to negotiate payments

I have around 30,000 dollars of credit card debt.
One of my debts is being payed down but they are raising the amount I owe next month... which I am worried about. They issued a lawsuit against me....
So I have other creditors mostly credit cards and now I have another notice from the same company above (MIDLAND) that sent me a pre- legal notification. ..
this debt has been sold at least twice before but I haven't been able to act on much of any of my debt due to crippling health injuries. (Long term Covid / brain fog, hospitalization etc).
I am feeling a bit better to deal with this matter but I know I am deep in the hole.
SO for this one creditor... should I bother sending them a letter asking for more information. I know where the debt originally came from but I am concerned about how many times it has bounced around . Is it worth it sending them a letter requiring them to give me this information?
The other issue... I am honestly unable to pay off the entire amounts. I can maybe pay $10 dollars a month on this particular card .. (which is is around 3,000 dollars).
I had a tough time negotiating with Midland once the lawsuit on the other card occured. .. but I cannot reasonably afford another $100 dollars a month on this debt.. as of now.
I have lost a few years since the pandemic and have struggled to get back on my feet. Things have just not lined up the way I had hoped they would and now with inflation I can barely afford food.
Recommendations? Tips.
Here is the sample letter I pulled..
"To whom it may concern.
I am responding to your contact about a debt you are trying to collect. You contacted me by
Mail on May 1st, 2024 and identified the debt as from \*****S Bank. Please supply the information below so that I can be fully informed:*
~Why you think I owe the debt and to whom I owe it, including:~

• The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

• If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other
name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

• Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

• If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

~The amount and age of the debt, including:~

• A copy of the last billing statement sent to me by the original creditor.

• State the amount of the debt when you obtained it, and when that was.

• If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

• If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
• If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

• Tell me when the creditor claims this debt became due and when it became delinquent.

• Identify the date of the last payment made on this account.

• Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

~Details about your authority to collect this debt.~

• I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

• If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.


I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.


In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.

Thank you for your cooperation. Sincerely,
submitted by AwakeningStar1968 to Debt [link] [comments]


2024.05.15 20:13 OldContext How to work with debt collector who won’t answer the phone? I’m trying to pay.

Sued for $6k of CC debt ($5k medical debt plus interest - I’ve already been lectured on my bad choice). Fucked up my response and they won judgment. Tried to contact them for months afterwards to work out a payment plan.
They recently sent a letter saying call them to work something out. They will not return my calls. I sent a certified letter to their PO Box with a proposal and they didn’t address it.
Google reviews have shown I’m not the only one this happens to. Can I request to communicate by mail/phone? I don’t trust they’d follow anything said over the phone and not in writing.
I’m terrified they’ll ignore me until they can garnish my wages. The CC company proposed a lump sum payment but took my to court before I could save it up. I tried to offer it after and was ignored. I’m at a loss.
submitted by OldContext to CRedit [link] [comments]


2024.05.15 18:51 WZab Two-key procedure for entering text in an embedded system

Current state of technology enables creating small and simple communication devices offering high level of privacy and security. A good example may be Meshtastic devices. However, a necessity to use smartphone (possibly infected with a spyware) may break both privacy and security. It would be much better if the text message could be entered on the Meshtastic device itself, and then have it encrypted internally before transmission. Unfortunately, most Meshtastic device do not offer a full keyboard. An option could be entering the text as a Morse code, using the key or capacitive pad. The Morse code however covers only a limited set of characters, and its knowledge in society is limited. Therefore, I'd like to propose another method for entering text. It is based on two digital inputs. They may be two capacitive pads, or a double paddle Morse key. Please note that I have developed the below described procedure from scratch. I have not investigated if similar procedures are implemented (or may be even patented?) by anybody. So if you would like to use it in a commercial product, please make the necessary investigations yourself.

What we may generate with two inputs?

Below I put the ASCII diagrams of possible events that we can send with two inputs. I mark low level (_) as "inactive" and high level (‾) as active. The inputs are marked as In1 and In2.
Event Wavevorfm E1 In1: __/‾‾\__ In2: ________ E2 In1: ________ In2: __/‾‾\__ E1i2 In1: ___/‾‾\___ In2: _/‾‾‾‾‾‾\_ E2i1 In1: _/‾‾‾‾‾‾\_ In2: ___/‾‾\___ E1f2 In1: _/‾‾‾‾\_____ In2: ____/‾‾‾‾\__ E2f1 In1: ____/‾‾‾‾\__ In2: _/‾‾‾‾\_____ 
So we have 6 elementary events: Event 1, Event 2, Event 1 in event 2, Event 2 in event 1, Event 1 followed by event 2, Event 2 followed by event 1. Each of them may be easily generated with two independent switches, two capacitive pads or double Morse paddle.
We may also generate more complex sequences, like:
Multiple E1i2: E1i2 In1: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾\____ In2: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\__ Multiple E1i2 finished by E2f1: E1i2 In1: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾‾‾\__ In2: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\____ Multiple E2i1 E1i2 In1: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\__ In2: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾‾‾\__ Multiple E2i1 finished by E1f2: E1i2 In1: _/‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾\____ In2: ___/‾‾\__/‾‾\__/‾‾\__/‾‾\__/‾‾‾‾\__ 

Using of possible events for entering text.

First, with E1i2 and multiple E1i2 we may select an appropriate group of characters (for example we may have four groups: "upper case letters", "lower case letters", "digits", "special chracters").
Then, the selected group is split into two equal subgroups, and the first and last character of each subgroup is shown. Then the selected group is handled in the same way, until only one character is left. This character is then selected and added to the created message.
Below is the sample code showing the proposed procedure:
#!/usbin/python # The demonstration code for two-key character selection. # Written by Wojciech M. Zabołotny (wzab01@gmail.com) # This is a public domain code (under CC0 1.0 license) c=[] for i in range(ord('A'),ord('Z')+1): c.append(chr(i)) # We have three indices: # start, end, split start = 0 end = len(c) while True: split = (start + end) // 2 if start == split: # The character is already selected, print it print("Chosen:"+c[start]) break if split > start + 1: line = "["+c[start]+" "+c[split-1]+"]" else: line = "["+c[start]+"]" if split < end - 1: line += "["+c[split]+" "+c[end-1]+"]" else: line += "["+c[split]+"]" #print(start,split,end) print(line) sel = input("sel:") if sel == "1": end = split else: start = split 
Below is the process of selection of the K character.
$ python [A M][N Z] sel:1 [A F][G M] sel:2 [G I][J M] sel:2 [J K][L M] sel:1 [J][K] sel:2 Chosen:K 
Of course the user should be able to correct the character entered. That can bee achieved with E2i1 event. Double E2i1 event may be used to clear the whole text.
When the whole message is assembled, it may be sent with E1f2 event.
The above procedure does not use E2f1 event, which may be used to leave the whole procedure.

Example implementation

I don't have an implementation for microcontroller yet. A simple demo function with Python running on a PC and using numbers instead of the above events is shown below:
#!/usbin/python # The demonstration code for two-key character selection. # Written by Wojciech M. Zabołotny (wzab01@gmail.com) # This is a public domain code (under CC0 1.0 license) # Create groups of characters uc_letters=[] for i in range(ord('A'),ord('Z')+1): uc_letters.append(chr(i)) lc_letters=[] for i in range(ord('a'),ord('z')+1): lc_letters.append(chr(i)) digits=[] for i in range(ord('0'),ord('9')+1): digits.append(chr(i)) specs=list("\"\'{}[]!?@#$%^&*()-+=/\\,.<>") groups=[uc_letters, lc_letters, digits, specs] # Main loop # We have three indices: # start, end, split grnr=0 c=groups[grnr] start = 0 end = len(c) txt = "" while True: split = (start + end) // 2 if start == split: # The character is already selected, print it txt += c[start] start = 0 end = len(c) continue if split > start + 1: line = "["+c[start]+" "+c[split-1]+"]" else: line = "["+c[start]+"]" if split < end - 1: line += "["+c[split]+" "+c[end-1]+"]" else: line += "["+c[split]+"]" #print(start,split,end) print(txt) print(line) sel = input("1-1st half, 2-2nd half, 3-del char, 4-clear text, 5-send text, 6-next group:") if sel == "1": end = split elif sel == "2": start = split elif sel == "3": txt = txt[:-1] elif sel == "4": txt = txt[:-1] elif sel == "5": print("Transmitted msg:"+txt) txt = "" start = 0 end = len(c) elif sel == "6": grnr = (grnr + 1) % len(groups) c = groups[grnr] start = 0 end = len(c) else: print("Unknown key") 
I'll send a link to the microcontroller implementation as soon as it is ready.
submitted by WZab to embedded [link] [comments]


2024.05.15 18:30 ughmandy Hanap Client 2024

As you guys know, walang kasiguraduhan sa freelancing so eto nanaman ako ngayon naghahanap ng bagong client/agency/company. For context, I used to have one client earlier this year (from Upwork) and we had a very easy partnership but nagkaron siya ng personal issues so I was offboarded ng April 30. Right after the I found out nagstart agad ako maghanap ng clients and companies I could apply to and so far ito ang breakdown ng mga application na pinagdaanan ko.
  1. Upwork - Since dito ko nahanap young last client ko, dito rin ako nagstart ulit maghanap. I have a Top Rated badge in upwork so naisip ko why not use it as much as I can. I sent out 12 proposals and bought 200 connects (around 100 lang nagamit ko) which got me 2 interviews and 1 contract after a week.
  2. CoconutVA - I've heard lots of good things about this agency so I sent in my application along with a video recording of myself through loom. Di naman mahirap yung application process, medyo time consuming lang kasi kailangan maligo (lol) and mag-ayos for the recording. Di naman required, pero syempre best foot forward. I asked ChatGPT to give me a sample script and used it as an outline for the one that I actually used. After three days (I think) I got an email back saying they included me in their potential talent pool but no guarantees pa that I'll get matched so they encourage entertaining other offers for the meantime - which is a great sign na di sila nangggatekeep ng opportunities.
  3. FlexJobs - I found a Remote Office Assistant role from a US-based digital marketing agency na yung rate is around $2k/month. May exam din silang pinagawa and excel skill test na medj mahirap. Haven't heard from them so far pero if you guys want to apply rin (I think they're still pooling) send me a DM for the link haha.
  4. FreeUp - The thing with FreeUp is it's like a cross between an agency and a freelancing platform. Medyo lengthy rin ang application process nila kasi maraming questions na need sagutan in paragraph form. And then I was sent an email with a module and a super easy short quiz, tapos nung pasado na they sent me an interview invite with one of their reps. After pumasa, proceed na sa account creation (just received this email an hour ago and di ko pa ginagawa so mag update ako after)
  5. VirtualElves - I sent in an initial application and I got an email back after a few days asking me to fill out a Candidate Profile Form pero I don't think I'll be proceeding with the application at this time kasi parang di ko siya priority right now and ang dami ko pang hinihintay to hear back from.
  6. Athena - This was one of the most grueling application process I've ever experienced, but everything was quite quick after I passed the exam last week. The interview was scheduled kaninang umaga then a few hours later I received another invitation for a training offer at 10PM tapos this coming Monday start na daw ng training. Medyo surprising lang kasi form what I've seen and heard, this process usually takes weeks prior to training.
Special mentions: OLJ - First time kong icheck tong platform na to just to see kung magkano ang usual rates na inooffer nila doon, tapos nanlumo ako sa nakita ko so di na ko nagaksaya pa ng oras sa site na to.
This pinned thread dito sa BuhayDigital subreddit. Pakiramdam ko ang daming nagooverlook into pero is a to as mga una kong chineck na resource when I started looking for jobs. Jan ko nahanap yung FreeUp and FlexJobs. Very useful!
One thing that I like to do is to use ChatGPT as much as I can, but I do heavy editing to not make it sound like it's written by an AI because I'm always deathly afraid that the recruiters might find out - because THEY WILL and bestie that's going to be embarassing.
The biggest tip I can give to anyone who is looking for clients right now is learn how to OPTIMIZE EVERYTHING. Optimize your resume, optimize your cover letters, optimize your online profiles, and most importantly, optimize your skills. Check mo kung among pinaka in-demand na skills and industries, then pivot accordingly.
Good luck sa mga kasabay kong naghahanap ng clients, wag tayo papa-lowball!
submitted by ughmandy to buhaydigital [link] [comments]


2024.05.15 18:12 adulting4kids Flash Fiction Prompts

This is taken from and is copyright protected by globalsoup.net, a website that promotes flash Fiction with annual writing contests.
I am reprinting these Flash Fiction Prompts because they are outstanding ways to freewrite and offer plenty to work with for those who want to learn how to write Flash Fiction.
So check out these prompts and the article and work some of them into your journal! Post the best responses!
100 Awesome Flash Fiction Prompts - Plus Bonus Prompts!
We’ve put together 100 flash fiction prompts, each one designed for a very short story. These prompts will probably be best suited to a story of between 300-1,000 words. If you want to write a longer story using these prompts, you can easily expand these ideas to fit a story of any length.
What is flash fiction?
Flash Fiction is defined as a very short story that can be anywhere from just a couple of words to about a thousand in length. The beauty (and difficulty) of writing flash fiction lies in trying to tell a complete story in so few words. Great flash fiction is succinct, emotive, thought-provoking, and impactful.
What’s the difference between flash fiction and a short story?
The only difference between flash fiction and a typical short story is the word count. However, this scarcity of words means that writing flash fiction can feel like a completely new skill. Just like the short story is a different animal to the novel or novella; flash fiction is kind of unique.
When writing flash, you’ll need to use fewer characters, a simpler plot, and you’ll have to make each word count. This is why editing is so important. You have to be brutal. Cut out everything superfluous and really make sure each and every word is performing an important function in the story. If you’re interested in writing very short fiction, why not check out drabbles? Drabbles are stories of exactly 100 words in length, and they can be a great way to practice keeping your stories very, very short.
How to plot a flash fiction story
When you sit down to write flash fiction, you must begin by choosing an appropriate plot. You cannot simply use a short story plot and tell it using fewer words. A typical flash fiction plot is like looking at one part of a story under a microscope.
For example, let’s look at prompt #21 in our list of 100 Flash Fiction Prompts:
  1. Two people on a sinking ship must decide who should take the last seat in the last lifeboat. If you were writing a novel about a sinking ship, you’d probably want the actual sinking to be the climax of the story. Of course, there are infinite ways to write a novel about a sinking ship, but this would structurally be the most obvious. You’d use the first part of the novel to introduce your characters and describe the voyage leading up to the sinking and the sinking of the ship would be the dramatic climax, leaving the last part of the book as the resolution.
The golden rule of writing short stories is to begin as close to end as you can. So, to turn the same story from novel to short story, you’d probably want to begin with the ship sinking. You haven’t got time to introduce the characters before the action begins, so you’d need to feed in exposition and backstory here and there during the events.
All stories need a good climax. So, you would find the most dramatic moment in the story and build up to it. Perhaps your climax would be the two main characters having to decide who will take the remaining seat on the last lifeboat.
Finally, you need a resolution. In a longer short story you do have time to bring in some kind of satisfying resolution at the end.
But, if you’re writing flash fiction and your story is only a few hundred words, you really need to zoom in on one tiny moment in that story.
You don’t have time to tell the entire story of a sinking ship, but you can turn one moment into a story.
We’ve chosen the lifeboat situation as the key moment in this hypothetical story. Two characters must decide which one of them will take the last seat on the last lifeboat. This is an appropriate plot for flash fiction because it’s simple, high-stakes, dramatic, and thought provoking.
Not all flash fiction will have a plot quite this dramatic, but all great flash fiction will have a plot that can be expressed in just one or two sentences.
If you have a plot in mind, but it seems more suitable for a longer story, you can sometimes find several flash fiction plots hidden within it. Just look for little stories within the story, like the lifeboat moment in our hypothetical tale of the sinking ship.
This brings us to our top tip for coming up with ideas for flash fiction stories:
if you’re ever stuck for ideas, you can find little stories within the story in books, movies, and TV shows. A full length feature film might have as many as 20 little incidents in it that could easily be flash fiction.
Don’t directly write a story based on the film, though. Just carefully pick out those little moments, write down what’s happening as a one or two sentence plot, and then use it to inspire your own, completely original flash fiction story.
One of our 100 Flash Fiction Prompts was actually taken from the movie Pulp Fiction!
How to write very short flash fiction
There are several reasons writers might start writing flash fiction. Of course, it could be that they just love and enjoy the form, but sometimes they’ll be a more strategic and practical reason at play.
Perhaps they want to practise the process of writing stories within the confines of a certain word limit. Maybe they are trying to develop a daily writing routine and they don’t have a lot of free time. It could be that they’re trying to break a habit of not finishing writing projects, or perhaps they are entering a flash fiction competition.
Whatever the reason, very often when we sit down to write flash, we must work under an imposed or self-imposed word restraint. We’ve set ourselves (or been set) the task of keeping the story under a particular number of words.
So, how do you plot a flash fiction story when you have to keep your story very, very short.
We’re not going to discuss stories of 100 words or fewer here. Technically, those stories are still flash, however, we prefer to categorise 100 word stories as drabbles and anything under 100 words as micro fiction.
But what if you have to keep your flash fiction story under, let’s say, 300 words? How do you write a flash fiction story that short?
The answer is: get your microscope out again. Remember earlier when we said writing flash fiction is like looking at part of a story under a microscope? If you have to write very short flash fiction, you’ll need to zoom in even further.
Let’s look at a couple of examples from our 100 Flash Fiction Prompts:
  1. During a match, a young boxer must decide whether to throw the fight.
If you had 1,000 words to devote to the story, you could have time to tell the story of the entire fight. With only 300 words, it might be better to zoom in on the very moment when the boxer must choose whether or not to go down.
In a longer flash fiction story you might have time to go into detail about why he’s in this situation and why he’s so conflicted. In a 300 word story, you might only devote one or two sentences to his gambling debt and the large sum of money waiting for him if he goes down in the third round, as instructed.
  1. A family must decide what to take and what to leave behind as a wildfire approaches their home.
If you had 1,000 words to devote to this story, you might be able to write about the whole process of choosing what to take and what to leave behind. You might be able to mention many different choices and have the whole family participate in the story. You’d be able to go into some details about certain choices and the stories behind individual objects or mementos, as well as the implications of choosing certain things over others.
With only 300 words, it would be advisable to zoom in on one member of the family and to focus on one profound and important choice.
How to write a flash fiction story
Now you have your mini plot, you still need to make sure your flash fiction feels like a complete story. It should still have a beginning, middle, and an end.
Just like a short story, you may need to bring in a little exposition here and there to give texture, context, backstory, and to bring some depth to the characters. But, unlike a short story, you won’t necessarily need to end with a full, detailed resolution. It’s quite common for a flash fiction story to end with a quick twist or plenty of ambiguity.
Flash Fiction is much more about eliciting emotions and provoking thought, than setting up and resolving a complex story.
100 Awesome Flash Fiction Prompts
A young ballet dancer chooses not to tell the other dancers in her troop about a loose paving stone outside their dance studio.
Two sisters realise they’ve both been on a perfect first date … with the same man.
On the car journey home, two parents realise they’ve left their child’s favourite teddy on a park bench several hours away.
A writer suffering from writers’ block looks for inspiration in a strange place.
Set 200 years in the future, a young man realises he’s too emotionally dependent on his robot assistant.
A young woman discovers she’s taken the wrong suitcase home from the airport. The contents of the case make her question her own life choices.
A murderer realises he has only 10 minutes to dispose of a body.
A child decides to walk home by themselves after their parent forgets to pick them up from school … again.
Your protagonist manages to talk the grim reaper out of collecting their soul.
Your protagonist suddenly realises they’ve been living in a simulation.
A young couple has chosen to spend the night in a haunted house to fix their marriage. Your story starts just as things get very weird.
Your protagonist finds a letter they wrote to themselves when they were a teenager.
Your protagonist must decide whether or not to drink from a fountain that erases all painful memories from the mind.
Your protagonist comes across a street called ‘Memory Lane’. They quickly realise the name is eerily apt.
A bride finds out something startling about her future husband an hour before the wedding.
Your protagonist finds an advertisement for a company that promises everlasting youth.
A youngest sibling shows up at a family reunion they weren’t actually invited to.
Your protagonist finds a piece of paper with a spell on it. If they say the words out loud they aren't sure if something terrible or wonderful will happen.
Your protagonist is watching a jazz band play when they realise they know the drummer from somewhere — but where? It takes a whole song for them to figure it out.
Your protagonist must meet their ex for lunch to tell them they’re now engaged. It’s been just a few weeks since they split up.
Two people on a sinking ship must decide who should take the last seat in the last lifeboat.
During a match, a young boxer must decide whether to throw the fight.
Your protagonist must pack their belongings before moving to a new colony on mars.
A pilot realises they have lost control of their aircraft.
Your protagonist doesn’t want to attend their 100th birthday party — and for good reason!
Your protagonist gets stuck in a lift with their ex … 5 minutes after breaking up with them.
A child says goodbye to the fairies in his garden before moving to a new home.
Your protagonist saves someone’s life … and then wishes they hadn’t.
Your protagonist arrives at a blind date. They’ve been set up with someone they actually know a little too well.
Set in a dystopian future in which public displays of affection are banned, your protagonist faces an agonising choice.
An agoraphobic must face their fear in order to save something important.
Your protagonist must make her partner fall out of love with them. Both their lives depend on it.
Your protagonist is hiking with her small children, they come face to face with a grizzly bear and her cubs.
Cinderella and Prince Charming realise they got married too quickly.
A message written in graffiti on a bathroom wall has serious implications for your protagonist.
Your protagonist finds a bag, looks inside, and realises the owner might just be their soulmate.
Your protagonist has been seeing the same stranger everywhere they go for months. They finally decide to confront them.
A couple realise their relationship is over during the trip of a lifetime. They’ve been saving up for the trip for years.
A public debate sees two previously married people letting their private grievances come into their arguments.
Your protagonist plans their escape from a retirement home.
A couple realise their fundamental beliefs are at odds with each other.
An artist develops an obsession with drawing a next-door neighbour.
Your protagonist finds themselves trapped in a cabin with a group of hikers during a heavy snowfall.
An ice skater must face going back on the ice after a dangerous fall.
A couple must decide their plan for New Year’ Eve. They both have secret reasons for their choice.
A family must decide what to take and what to leave behind as a wildfire approaches their home.
Your protagonist is waiting for someone important at the airport. They begin to think that person isn’t going to show up … and then they realise why.
Your protagonist must find their way through a maze. What they find in the middle of the maze is the last thing they were expecting.
An actor waiting in the wings has forgotten his first line.
Your protagonist is wrongly identified as a hero. Do they come clean?
Your protagonist realises their past is catching up with them.
Your protagonist overhears something that has serious implications for them while trying on clothes in a changing room.
Your protagonist is in a costume shop trying to decide what to dress up as for Halloween.
Your protagonist realises they’ve slipped into an alternate dimension.
A surgeon must make an impossible choice on the operating table.
A pregnant journalist interviews the mother of a missing child.
Your protagonist must ask his girlfriend’s father for his blessing, only to discover the father knows his deepest secret.
Your protagonist sees something on social media that will change their life forever.
Two work colleagues realise they’ve been dreaming the same dreams for weeks.
A reluctant daughter comes to terms with having to carry on the family business.
Your protagonist realises she must go on the run.
Two bank robbers disagree on their plan to rob a bank. This leads to a disastrous consequence.
A strange case of deja vous leaves your protagonist convinced of supernatural interference.
A sceptic begins to question their beliefs during a psychic reading.
Your protagonist uncovers a scandal at their workplace.
A hapless cook tries to recreate her late father’s favourite recipes in an effort to feel connected to him.
Your protagonist has a premonition that makes them certain they can’t visit their mother-in-law for Christmas. Now he must convince his husband.
A young backpacker discovers something unexpected in a cave.
An impulsive character and an indecisive character are brought together by chance. They must make an important choice.
Two characters cleaning up after a party discover an object that sheds light on something strange that happened earlier.
Two strangers are trapped together during a blackout.
Your protagonist must take a leap of faith in order to save something important to them.
Your protagonist discovers a huge part of their life has been a lie.
Your protagonist has set up an elaborate way to propose. Inexplicably, everything goes wrong.
Your protagonist must buy a dress for her mother’s funeral.
Your protagonist goes back to her favourite city in the world, only to find it has completely changed.
While stargazing, your protagonist realises the stars are forming secret messages in the sky.
Your protagonist hears a news story on the radio that will mean the world changes forever. However, she seems to be the only person who heard it.
Your protagonist is crossing a frozen lake. They see something under the ice that definitely shouldn’t be there.
A workaholic must come to terms with retirement.
An Olympic athlete must decide whether or not to report their teammate for doping.
A young mother feels isolated from her childless friends.
Your protagonist is about to realise their greatest ambition. Will it be everything they were hoping for?
Onboard a spaceship, a couple prepare to go into stasis for hundreds of years.
Your protagonist has an obsession with thinking about the past.
Set in a post-apocalyptic future, your protagonist meets an unlikely love interest.
Your protagonist visits a place from their childhood and realises their memories of that time might not be accurate at all.
A small child has decided to run away from home. Her parents watch on with amusement as she decides what to put in her backpack.
On a whim, a bus driver decides to radically change his route, much to the chagrin of his passengers.
Dystopian. A couple in love are only allowed to spend time with each other one day a year.
A shapeshifter begins to realise their powers are fading. They must decide what form will be the last one they take before they cannot change again.
The devil visits your protagonist with an offer on her soul.
Your protagonist suddenly has the ability to read minds. There’s only one place they want to go now!
Your very wealthy protagonist has designed a simple test to see who will inherit her estate.
An archaeologist discovers something that will change how we see the history of the world. It could be dangerous. Does he keep it to himself?
Your protagonist must clear out their late mother’s house. She discovers an incredible family secret.
Your protagonist is meeting his brother. They haven’t seen each other for 20 years.
Your protagonist develops the ability to see the world literally through someone else’s eyes.
Your protagonist starts to believe their partner might be a spy.
Your protagonist discovers a hidden camera in their living room.
Looking for a flash fiction competition? Check out our ‘Big List of International Writing Competitions!’ Looking for inspiration? Why not check out our list of the 20 Greatest Short Story Writers of All Time! Just received another short story rejection? Here’s our post about ‘How to Deal With Story Rejections’ Bonus Prompts! Two characters waiting by the side of the road realise they are both meeting the same person.
A woman loses her young niece in a busy shopping mall.
Three strangers must solve a riddle in order to gain entry to a secret club.
A poor woman must borrow ingredients from her neighbours to bake her husband a birthday cake.
A waiter finally finds out why an old man has been coming to the restaurant where he works every day at exactly the same time.
Two work colleagues must decide which of them is to take the blame for a terrible mistake at work.
Your disgruntled protagonist goes to confront the couple next door about the strange noises they’ve been hearing at night.
A family dinner party sees three characters make three very surprising announcements.
Two women argue over who should get to buy the last dress available in a store. How do they decide who should get it?
A young couple find out they knew (and disliked) each other vehemently as children.
Love writing stories? Register now for our free 7 Day Story Writing Challenges. Write a short story in a week, get extensive feedback on your entry, and compete for a prize of £500 in each round of the challenge. Register today!
Mastered the art of flash fiction? Now you can try submitting your stories to literary magazines! We’ve compiled a list of the best literary magazines that don’t charge a reading fee! Check out our Big List of No-Fee Literary Magazines.
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2024.05.15 16:57 KingnBanter [Thank you] Another act that we are doing together. Enjoy!

Good Morning Everyone, Evening to some, afternoon to most.
We got home to lots of letters and my fiancee loved them all, and she's sitting next to me while we take the time to thank each and every one of you for taking the time to bring joy here in TN.
Thank you u/onebadjoke The Edible favours is a great idea, I'm going with twix, she's going with Riesen and for the both of us, Swedish Fish, gotten love hand fishing in a bag over waiting by the pond.
Thank you u/jemst0ne Amanda absolutely loves the post card, she's drawn to it immediately, and your card prompted a story. So, fun fact both of us proposed to each other to let each other know we were ready to be serious and jump into husband and wife roles, well the night that Amanda decided she wanted to make her jump, she received a fortunate cookie following a really nice meal at the casino, and the fortunate cookie said "Don't panic," lol, and nobody but her knew that that was. Second fun fact, mine that night said something about, "Don't miss the opportunity of the day, tomorrow it will be lost."
Thank you u/snerdboff We will definitely take funny pictures and thank you for the marriage licenses multiple copies, either of us thought of that, that's a great idea. Love that you had the largest card/envelope package. Love the sticker of the house as the envelope closer.
Thank you u/danigeek That's a great idea about the consignment store for the dresses. So far she has gone with her mom and sister to look at dresses. So far our idea for the colors of our wedding will be purple, blue, and silver. We have yet to try any cakes for the wedding, but my favorite is polish honey cake and her favorite is black forest (which no bakery seems to make anymore). Daisies are Amanda's favorite flower. Great card. Thank you.
Thank you, u/littlemermaidxx Thank you for the Love post card, it's nice, Amanda loves it, will take a pin to the love corner that we've got going. Thank you for the Congrats!
Thank you u/blacksmithequivalent You sent two cards :). Thank you so much. San Diego is such a beautiful area. We love that there is rarely a day below 60 degrees. The ring card is so pretty. Since she calls me her galaxy, I decided that blue sandstone would be a great pick for both her engagement and wedding ring. The actual stone looks like stars in a dark night sky. We also appreciate you saying that as long as we are happy together, no other opinions matter. True relationships are based on trust, great communication, and respect.
Thank you u/ez330 Absolutely beautiful card with the hearts as leaves in the tree. Congrats on your upcoming 12 year anniversary with your husband. I am sorry that you had those stressors during your wedding day. At this point, I feel that my fiancee and I are the least worried about things right now. That may not be a good thing when the time gets closer haha. Either way, as long as we are together and nothing drastic happens it'll be a great day for us as well. I am also a project manager so nothing can be as bad as some of the violent days at work lol.
Thank you, u/uknighinthesky Love the card. We are both very thankful to have several family members that are doing so much research for us and planning parts of the wedding. I think one of our main concerns is getting some family members from out of town to the wedding. The comic snips were very funny and a great touch to the card.
Thank you, u/uaepeyc. I absolutely adore this card. My mom is huge into mermaids and when I showed her this card, she went cray cray. You gave great advice saying that family research is helpful, but that in the end it is our day. Through all the planning, I think that our day will be as amazing as our relationship. She says that our relationship will be made with great memories for the next 55 years.
Thank you, u/ninajyang. The front of the card is so pretty. I wish you and your partner the best. We both have a similar budget in mind. We don't want to spend too much, but just enough to make things as memorable as possible. This will be both of our first and last marriages so we figure we would splurge just a little. Thank you for the cute stamps as well.
Thank you, u/mediocre_radish_7216 Thank you so much for the cute cared. I liked the skateboard with the word love on it. Since she has moved in, we have been enjoying every little moment together. Even domesticated, simple ones can be enjoyable together. As we are writing these, we are doing household chores. Last night we cooked dinner and had a glass of wine together. We both plan to flourish this relationship for the next 55 years.
Thank you, u/notsomini. Not going into debt for a single day is a great piece of advice. Thank you. We have been looking at wedding venues and seeing which one is the most cost effective, but yet flexible. A few places that we have looked at have been so strict with what is allowed in and what is not. One place that we checked out, no outside food was permitted. This place that we plan to check out tomorrow is not strict as we can bring in whatever food and other accommodations we choose. Thank you so much for the awesome stickers too.
Thank you, u/inkyfingerspgs Thank you so much for the card. Amanda loved it as the purple that was on the card is one of our wedding colors. We plan to continue making good memories from the wedding day and 55 years into the future.
Thank you, u/daeneryswon. The card is adorable. We both love it. The quote, "to a love that grows more beautiful every year," should be a goal for all couples. We hope that on our wedding day there is not too many hiccups, but both of us are pretty easy going that we will just continue on. We plan to make each other happy for the next 55 years.
Thank you so much u/keqani. All of the details that you put into your card is appreciated. Amanda adored the snips of paper that you included with your card. She said that those will be amazing to write little love notes to me to leave in my truck for me to discover. We both concur with you that we need to be there for each other no matter what. Loyalty in a relationship is very important. So far we have had great communication. Before we moved in together, we talked multiple times a day for at least 20 minutes or longer. We also promised each other that if anything is bothering either of us that we should just talk it out rather than holding it in. Amanda says that for the next 55 years we will be together through all the ups and downs that life can bring.
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2024.05.15 15:08 WhatCanIMakeToday Operational Efficiency Shares: Rehypothecating 🐇🐇🐇🐇 And Breaking Free Of Chains [WalkThrough] (4/n)

Operational Efficiency Shares: Rehypothecating 🐇🐇🐇🐇 And Breaking Free Of Chains [WalkThrough] (4/n)
From the prior DD in this series [1], we know that ComputerShare can “give” the DTC registered DSPP shares to hold onto for operational efficiency which are then “given back” as shares beneficially owned “for the benefit of” (“FBO”) DSPP Plan Participants at ComputerShare, as illustrated in this diagram:
From The Prerequisite DD
It’s time to explore what “operational efficiency” benefits may be gained by DSPP shares going around this roundabout. At first glance, shares are basically just going in a big circle from DSPP Plan Participants with registered ownership DSPP shares at ComputerShare heading to the DTC, who hands shares to ComputerShare’s broker who maintains those shares for the benefit of ComputerShare who holds those shares for the benefit of Plan Participants. While I think it’s unlikely that shares just go around in a big fat circle for no reason, I do remember people getting onto flights to literally go nowhere a few years ago [CNN, NYT]; so maybe these operational efficiency shares simply miss hanging out at the DTC?
Let’s look more closely… While title is held by a registered DSPP Plan Participant, ComputerShare is giving the DTC possession [1] of registered DSPP shares to the DTC to hold for operational efficiency which then ultimately end back in the possession of ComputerShare’s broker (who isn’t lending out shares) for the benefit of ComputerShare for the benefit of Plan Participants. If we treat the DTC’s operations as a big black box, we see registered shares going into the DTC black box and beneficially owned shares coming out of the black box to ComputerShare for Plan Participants.
DTCC Black Box: Inputs vs Outputs
Investopedia says that shareholders have rights, with a list of 6 main rights including:
  1. Voting power on major issues.
  2. Ownership in a portion of the company.
  3. The right to transfer ownership.
  4. Entitlement to dividends.
  5. Opportunity to inspect corporate books and records.
  6. The right to sue for wrongful acts.
By contrast, beneficial owners only need to have or share 2 of those rights (bolded) according to the definition of beneficial owner in Rule 13d-3: the power to vote and the power to dispose of the security (e.g., sell).
§ 240.13d-3 Determination of beneficial owner.
(a) For the purposes of sections 13(d) and 13(g) of the Act a beneficial owner of a security includes any person who, directly or indirectly, through any contract, arrangement, understanding, relationship, or otherwise has or shares:
(1) Voting power which includes the power to vote, or to direct the voting of, such security; and/or,
(2) Investment power which includes the power to dispose, or to direct the disposition of, such security.
ComputerShare basically confirms this list (except for the right to sue as that’s probably not one their issuer customers would emphasize) and adds that beneficially held shares may be lent by brokers generally (but not by ComputerShare’s broker).
Registered Shareholder Rights vs Beneficial Owner Rights
Maybe you’ve had different experiences from me, but I’ve never known Wall St to deliver more than the bare minimum they’re contractually obligated to. Which means the DTC black box is very likely watering down shareholder rights from the 6 that go in down to the 2 which come out. (And yet, we’re supposed to believe that all shares are equal. 🙄)
Dividends (#4 on the list) [2] may be the clearest example of a watered down shareholder right. Registered shareholders have the right “to directly receive share dividends” [CS FAQ] which means if a company (e.g., GameStop or OverStock) issues a dividend, registered shareholders have the right to directly receive the dividend as issued. If the company issues a crypto dividend (as OverStock tried to do), registered shareholders have the right to directly receive the issued crypto dividend. Beneficial shareholders would get an issued dividend, if available, or a cash equivalent if not. Historically, stock and other dividends to beneficial shareholders could easily be delivered as a cash equivalent, a watered down form. Crypto dividends don’t scale well with shorts (both naked and legal via, for example, share lending and borrowing) because crypto tokens are unique which makes it abundantly clear why a crypto dividend was nixed for a heavily shorted idiosyncratic stock like GameStop; especially given GameStop’s particularly active shareholders.
Ownership (#2 on the list) may be the second clearest example of a watered down shareholder right as more security interests to shares exist in the DTC’s beneficial ownership system than there are shares; with the SEC saying beneficial shares get a pro rata interest in the securities of that issue held by DTC. [See End Game Part Deux: Problems at the DTCC plus The Bigger Picture, particularly the section “The Pie Is Shrinking: Get Out (And DRS) While You Can”]
Voting (#1 on the list) is also an example watered down shareholder right; this one having a long history on this sub with, for example, BroadRidge tossing 7B votes and bragging about it. (Beneficial owners only need to get shared voting rights per Rule 13d-3 above so those 7B “shared” votes just lost out to who they shared with.) Unlike other beneficially held shares, voting rights for DSPP shares are not watered down as ComputerShare sends registered holders their voting forms.

Operational Efficiency Shares, Whatcha Doing In There?

A big black box is a pretty good description of the DTC which does not want us to know the ins and outs of what’s going on. Black holes are a pretty good example of a big black box and, most importantly, we know a lot about black holes even though they can’t be directly observed. Just as we learned about black holes without direct observation, we can similarly learn a lot about the Operational Efficiency shares even though we can’t directly observe them in the DTC habitat.
Even though we can’t look inside the DTC’s big black box, it turns out we don’t really have to in order to identify some benefits from these operational efficiency shares taking their roundabout trip to nowhere.
Locates A few commenters have suggested that OE shares could be used for locates so I’ll address this first. Possible, yes. But I don’t view this as the most interesting use for OE shares. Brokers are supposed to “locate” securities available for borrowing before short selling. [Wikipedia)] Basically, before selling short a broker is supposed to find a source to borrow. The “locate” requirement does NOT require the security to be borrowed before short selling which can result in a legal naked short.
You may be wondering why I don’t view “locates” as particularly interesting for OE shares if short sellers need to locate shares to borrow before shorting. Well, market makers are also exempt from this requirement as long as they’re market making. 🙄 On top of the market maker exemption, remember House Of Cards? In House Of Cards 3 [SuperStonk], we learned about the now 🤦‍♂️ hilarious F**3 key **- yeah, the one on a keyboard. Brokers like Goldman found the locate requirement simply too much work so they would press the F3 key and their system would auto-approve the locate requirement based only on the number of shares available to borrow at the beginning of the day; regardless of whether those shares were still available to borrow or not.
House Of Cards 3
Meaning as long as there were some shares available to borrow at the beginning of the day for their share copying system, brokers could just smash the F3 key to make as many copies of shares as they need. Even if only 1 share was available to borrow at the beginning of the day, a broker could simply smash the F3 key 100 times to approve the locate requirement for 100 shares.
So while OE shares could be used for locates, they wouldn’t need many shares each day to make an unlimited number of copies - even just 1 is enough.
Lending shares on the other hand…
Rehypothecation Rehypothecation is the reuse of customer collateral for lending. Per a 2010 IMF Working Paper, The (sizable) Role of Rehypothecation in the Shadow Banking System,
Rehypothecation occurs when the collateral posted by a prime brokerage client (e.g., hedge fund) to its prime broker is used as collateral also by the prime broker for its own purposes.
This IMF paper defined a “churning factor” to measure how many times an asset may be reused; and then estimated a churning factor of 4 noting that it could be higher because international banks (e.g., HSBC and Nomura) were not sampled. This IMF paper found a single asset may be lent and borrowed 4 times, or more; an average which could be higher globally.
https://preview.redd.it/ymr3j03zri0d1.png?width=795&format=png&auto=webp&s=1555314cefd520658a4f78dc4745867063e3bf34
Churn Factor Could Be Higher Globally
How much higher? We may have seen a churn factor as high as 10 for a less idiosyncratic meme stock per my prior post, Estimating Excess GME Share Liquidity From Borrow Data & Churn Factor. Presumably, the idiosyncratic meme stock would have a higher churn factor (but not that important for this post).
More recently (2018), the Federal Reserve published this Fed Note on ​​The Ins and Outs of Collateral Re-use studying how often collateral is reused (i.e., rehypothecated) for Treasury & non-Treasury securities [3] with a beautiful figure illustrating how “for any given moment in time, one security can be attributed to multiple financial transactions” where a share could be posted multiple times through Security Financing Transactions (SFTs) and sold short. [4] Sounds familiar, right?
https://preview.redd.it/zsztmji4si0d1.png?width=1530&format=png&auto=webp&s=f222dfe50929f668af8f8f0b39514a7d862db9c9
Figure 6c of this Fed Note shows a Collateral Multiplier over time illustrating how “PDs [Primary Dealers] currently re-use about three times as many securities as they own for non-Treasury collateral and seven times as many securities as they own for U.S. Treasury securities”.
AKA \"Money Multiplier\"
The Fed Note describes their Collateral Multiplier as a “money multiplier” (Seriously, I couldn’t have made this up in a million years.),
In a sense, our Collateral Multiplier is akin to a "money multiplier," as it compares private liabilities created by a firm with the amount of specific assets held to create those liabilities. [​​The Ins and Outs of Collateral Re-use]
And, of course, the Collateral Multiplier aka “money multiplier” ratio goes up when there’s less collateral available and down when there’s more collateral available. (Can I get one of these multipliers?)
Intuitively, we expect the ratio to increase when collateral is scarce and to decrease when collateral is more abundant.
Which means Primary Dealers [Wikipedia has a list of familiar names including Deutsche Bank, JP Morgan, Morgan Stanley, Nomura, BofA, Citigroup, TD, UBS, and Wells Fargo; amongst others] can simply kick securities around a few extra times (e.g., with SFTs and short sells) to effectively multiply the amount of money and/or collateral they have any time they need it. (Within limits, I hope…)
Thus, rehypothecation is a very interesting use of Operational Efficiency shares from ComputerShare as various primary dealers can simply “multiply” the number of shares they have – a concept that we’re already quite familiar with. As rehypothecation, short sells, and securities financing transactions are all perfectly legal, rehypothecating more GameStop shares provided to the DTC via operational efficiency satisfies Ground Rule #2 [defined in (1/n) in this series],
  1. All parties involved are all generally attempting to operate within the bounds of the laws and regulations wherever possible. (I know we often scream “crime”, but why break a law when money can simply [re]write laws to make activities legal. Regulatory failure is the reason why something that should be criminal, isn’t. And regulatory failure happens when armies of lawyers are paid to create and exploit loopholes so that actions which should be criminal, are instead legal.)
We can update our conceptual model to include rehypothecation to more clearly illustrate how Operational Efficiency shares held in the DTC can be rehypothecated (e.g., with SFTs and short sells) until a watered down share is delivered to ComputerShare’s broker to hold FBO ComputerShare, who holds the watered down share FBO DSPP Plan Participants.
https://preview.redd.it/bt3gnx99si0d1.png?width=4764&format=png&auto=webp&s=7b0b72b935f740e8a3036f88e1a4e1dfb57dd46c
You might notice from this illustration that ComputerShare has been telling the truth satisfying Ground Rule #1 [defined in (1/n) in this series]. Neither ComputerShare’s nor their broker lend or need to lend shares. All the rehypothecation happens “upstream” amongst other DTCC and NSCC Participants until shares are finally delivered to ComputerShare’s broker at the end of the “Churn Chain”. ComputerShare has made no representations about what the DTC can or can not do with the shares in their possession. And, realistically, ComputerShare is in no position to make any representations about what happens within the DTCC system – ComputerShare is only responsible for themselves and, to some extent, their broker.
The Fed Note and IMF paper found assets may be churned and reused 3-4 times (overall market average) which means the end of the chain is typically around D3 or D4. (If my prior DD estimates are correct, there were signs a less idiosyncratic meme stock may be churned up to 10 times ending the chain at D10 which suggests a potentially longer chain for GME, the idiosyncratic meme stock.) If there is no collateral reuse for an asset, the chain would have zero length meaning Operational Efficiency shares go straight from the DTC directly to ComputerShare’s broker. (Programmers almost certainly understand zero length chains very well – go find one if you need an explanation.)
GameStop is idiosyncratic, thus atypical. Per the IMF paper, collateral reuse increases when collateral is scarce and decreases when collateral is abundant (quoted above). If we consider GameStop investors have been direct registering shares (i.e., DRS) and registering shares (e.g., DSPP) thereby removing title and/or possession of shares from the DTC/DTCC/Cede & Co, then GameStop share availability has been becoming more scarce and the “Churn Chain” for GME should be longer than average representing a higher collateral multiplier and churn value.
While we may not know the exact length of the Churn Chain for GameStop shares, we can pretty well surmise that it’s not a zero length Churn Chain where there is no collateral reuse based simply on scarcity. After all, a shortage of available shares is, by definition, required for any short squeeze (including MOASS). Requests by brokers to enable Share Lending [5] is another example indicator that GameStop shares are scarce.
In addition, according to Investopedia [6], “Banks, brokers, or other financial institutions may navigate a liquidity crunch and access capital by rehypothecating client funds” and we’ve seen indicators showing us banks are in deep trouble:
The downside to rehypothecation is the higher leverage increases risks of default and a single collapse can start a chain reaction knocking down others like dominos.
There are also leverage considerations that increase that risk of default. Overleveraged investments often face covenants; when specific conditions are met, trading accounts may receive a margin call or face debt default. As a row of dominos fall after a single collapse, a single margin call may cause other debts to fail their account maintenance requirements, setting off a chain reaction that places the institution at higher risk of overall default. [6]
This risk for rehypothecation sounds exactly like what the Options Clearing Corporation was complaining about to the SEC when the ​​OCC Proposed Reducing Margin Requirements To Prevent A Cascade of Clearing Member Failures [SuperStonk] early 2024. If the OCC can eliminate margin calls, then no dominos get knocked down. (Thankfully, apes have done a phenomenal job in convincing the SEC that this OCC proposal is a very bad idea. Support the SEC’s rejection of this as Simians Smash SEC Rule Proposal To Reduce Margin Requirements To Prevent A Cascade of Clearing Member Failures!)
Most importantly, it may be tough to regain possession of an asset when someone in the rehypothecation chain defaults. Remember from the prior DD the expression about possession: Possession is nine-tenths of the law.
Clients must be aware of rehypothecation as it is technically their own assets that have been pledged for someone else's debt. This creates complicated creditor issues where an investors shares may longer be in their possession due to their custodian's default. [6]
We know assets are rehypothecated 3-4 times on average, GameStop shares are scarce, banks are in trouble, stock loan volume is skyhigh, and the risks of rehypothecation are real. So it’s pretty clear that rehypothecation is happening generally with pretty darn good reason to expect GameStop’s Churn Chain is at least of non-zero length (i.e., GameStop stock is being rehypothecated).

Breaking The Chains

While some may like chains and being tied up, I’m not one of those apes. Especially as a Churn Chain waters down my shareholder rights and may make regaining possession of DSPP stock difficult in the event of a cascade of defaults, as warned by the OCC. (If you like chains, feel free to skip this section.)
As it turns out, we don’t need to know exactly how long the Churn Chain is for GameStop stock. Simply knowing a Churn Chain exists with non-zero length means there is a chain. Where there is a chain, it’s possible to break the chain. (Even if you don’t know how much health) your enemy has in a game, you still try to take your enemy out. Right?)
A churn chain that starts from ComputerShare holding DSPP shares in DTC for operational efficiency can easily be broken as “[a]n investor can, at any time, withdraw all or part of their shares in DSPP book-entry form and have them added to their DRS holding”. [ComputerShare] See also [7]. Quite possibly one of the easiest chains in the world to break as the Churn Chain is weak to DRS. Simply DRS the DSPP shares to take away the head of the chain and the rest of the chain falls apart. (And, DRS-ing "street name" shares cuts chains into pieces too!)
One side effect of breaking a Churn Chain is that all shares attributed to transactions in a broken chain (e.g., SFTs and short sells) need to be reallocated to other chains, effectively making other chains longer and increasing the risks from a default.
Analogy: Think of the shares as a deck of cards. If you deal 52 cards to 4 players (A, B, C and D), each player gets 13 cards. Each stack of 13 cards is basically a Churn Chain. But if you take out a stack by removing the bottom card from A and distribute the remaining 12 cards from A to B, C and D then B, C and D each now have 17 cards. If at any given time a card can cause a player to lose the game, it's better to have fewer cards than more. And, the players who get out early won't lose.
Any party in the Churn Chain who defaults will make it hard for the original owner to regain possession. Longer chains include more transactions and more parties so there’s more risk of default on longer chains than shorter chains. Thus we see another vicious cycle setup where incentives are aligned such that DSPP and beneficial shareholders may want to avoid the impending default and rehypothecation risk from their shares being held in DTC. In order to avoid the impending default and rehypothecation risks, shareholders are incentivized to Directly Register shares to ensure having both title and possession. (Shares held in “street name” have little or no protection from rehypothecation risk and simply registering shares in DSPP doesn’t guarantee possession [1].) As with the other vicious cycle, any remaining shareholders in DTC share a shrinking pie of diluted ownership so it is in their best interest to get out and DRS; thereby shrinking the diluted ownership pie even more which is more reason for remaining shareholders to get out. These vicious cycles will eventually leave few, if any, remaining shares at the DTC for beneficial shareholders. Nobody knows what will happen if this ♾️🏊 happens.

Footnotes

[1] If you haven’t already, please read the prerequisite DD in this WalkThrough Series to understand how ownership of property is separated into two concepts: title and possession. [See, e.g., StackExchange] Understanding the differences between title and possession are particularly important here where it’s worth being extra careful identifying how an entity is in control of an asset.
  1. DSPP is technically different from DRS [WalkThrough] (1/n)
  2. Definitely DIFFERENT "DRS Counts" [WalkThrough] (2/n)
[2] Dividends have been heavily discussed on SuperStonk with many DD posts, including for OverStock and the precedent OverStock set which would have allowed GameStop to issue their own crypto dividend, possibly as an NFT.
[3] Footnote 16 of the Fed Note itemizes various classes of non-Treasury collateral which includes equity which, per Investopedia, is a synonym for stocks.
[4] While short selling is pretty well known, Security Financing Transactions (SFTs) may be more obscure despite discussion of them in the past so here’s some historical SuperStonk links for you (where you may notice some well known OG DD apes):
[5] Simply search SuperStonk for share lending. Don’t make me Google That For You.
[6] https://www.investopedia.com/ REMOVE_FOR_AUTOMOD terms/r REMOVE_FOR_AUTOMOD /rehypothecation.asp
[7] Withdrawing whole DSPP shares into DRS seems to make a lot of sense as doing so guarantees possession. Selling fractionals, less so. If you intend to keep buying, I would think adding to the fractionals to later withdraw whole shares makes more sense. As for the concern about fractionals tainting the whole account, I’ll cover that in another post. For now, you do you.
submitted by WhatCanIMakeToday to Superstonk [link] [comments]


2024.05.15 00:30 Temporary-Driver-772 Devil's Bargain Counter

Reflecting on 2021, truly marked the zenith of my young career. The pandemic was coming to an end, I was fresh from the hallowed halls of a prestigious but unheralded college, thrust into the corporate labyrinth where, as a mere sidekick to the big shots, I contributed to a deal of record-breaking magnitude. My modest corporate minion life was exaggerated into legend by my professors during an alumni reunion, leading to a rather embarrassing episode where I was paraded around as the poster child of their education career’s success. My parents, not ones to shy away from a bit of pomp, lauded my achievements to anyone within earshot.
But as 2022 unfurled its chaos with the epidemic, my professional life spiralled downwards as swiftly as it had risen. I was laid off, and replaced by a nepotistic hire—my boss's new mistress's nephew. During my dismal final days, my colleagues, once comrades became corporate sharks, whispers of them scheming to claim my last efforts as their own filled the empty office spaces.
Compelled by financial duress to abandon my central city dwelling, I relocated to the outskirts with two college mates, Jaz and Kath, who had similarly found themselves victims of the economic downturn. We settled into apartment 606, a unit with dubious charm, suspiciously affordable on the 13th floor of a dreary building, its corridor haunted by a flickering sensor light that was only designed to function on rare occasions. Yet, the apartment itself was surprisingly very well furnished, almost like something that jumped out from a design mag, out beating sample rooms in Ikea, boasting a spacious balcony, a living room ready for an impromptu soirée, a dining table that’s good enough to hold a banquet(became our co-working space) and a kitchen isle that became our sanctuary and curse.
When we first settled into our new abode, we discovered a trove of fine kitchen utensils, perfect for whipping up sophisticated cuisine and crafting cocktails worthy of a swanky soirée. Tucked away in the fridge, among the remnants of the previous tenants' life, was a quaint note: “The three of us really enjoyed our stay here, especially our meals and nights spent by the kitchen island. We hope you find as much joy in it as we did. Use it well.” With a casual flick of my wrist, I dismissed the note into the garbage can, oblivious to the depth of its seemingly innocuous message. Little did I know, that piece of paper was more a passing of the torch than a simple goodbye.
Our initial days in apartment 606 brimmed with camaraderie and impromptu celebrations: movie nights sprawled on the living room sofas, barbeque dinners under the stars on our balcony, and co-working sessions at the dining table, peppered with resume tweaks and contemplative conversations over cocktails. We even scored a second-hand karaoke machine, allowing me to channel my inner diva—a throwback to my musical theatre days in college and my stint as the voice of corporate presentations and negotiations at my previous job, where I was known for my resonant yet finely tuned voice.
Yet, as the months wore on and the job market remained unyielding, our early merriment slowly surrendered to a creeping anxiety. The kitchen island, once the heart of our home where laughter and shared meals flowed freely, gradually morphed into the epicenter of our collective unease, bearing silent witness to the quiet desperation settling over us.
One evening, in the suspiciously affordable yet stylish apartment, I sank into the sofa, my spirits dampened by my favorite team's disheartening loss. The mood was grim, mirroring my fears of my beloved player's potential retirement at season's end. Later, as we congregated around the kitchen island for dinner, I transformed into an impromptu sports commentator, passionately preaching about the game’s disappointing details that led to failure and my favorite player’s fine qualities. Meanwhile, Jaz updated us on a friend's melodramatic breakup, with guesses that something ugly must have happened behind the scenes. Kath, ever the culinary enthusiast, not only served up her delicious pasta but also dished out the latest celebrity gossip, each tidbit as spicy as her sauce.
The next day, during a late breakfast at the same kitchen island—our unwitting oracle—we were hit by a triple whammy of reality checks. The news of my favorite player's retirement broke, echoing my gloomy predictions from the night before. Jaz chimed in with an update that our friend had uncovered a cheating scandal worthy of its own reality TV special. And Kath, never one to be left out of the drama: her favorite celebrity was now the star of a scandal.
By the third morning, as we sipped our coffee, the newspaper slapped me with another bizarre twist. I was going through the devastating economics and politics sections, then I saw the sports section——featured an irate coach, hell-bent on convincing my favorite player to dismiss retirement plans and keep his jersey on a little longer. Meanwhile, Jaz had good news for a change: it turned out our friend's love story might have a second act after all, as misunderstandings were being cleared up. Amidst these revelations, Kath, who had been grumbling about the nearby supermarket’s inability to stock anything remotely gourmet, and hadn’t had a taste of her favorite Blue Mountain coffee since the beginning of that year, triumphantly found a can of Blue Mountain coffee, and it was on sale and therefore affordable—proof that miracles happen, and sometimes they even go on discount.
As I sat there, absorbing the serendipity of our discussions manifesting into real-world events, I couldn't help but marvel at the mysterious knack of our kitchen island. Was it merely a coincidence, or had this stylish piece of decor become the unlikely conductor of our lives symphony? One thing was certain: life in apartment 606 was never dull, and our kitchen island seemed to be more than just a place to eat—it was a place where, apparently, you could stir the pot of fate.
I decided to conduct a whimsical experiment with our now seemingly magical kitchen island. Clearing my throat theatrically, I declared, "I should be interviewed for a director position." To my sheer astonishment, the next day a headhunter rang me up, claiming I was the ideal candidate for a directorial role at a prestigious corporation in my field. Despite the other candidates possessing decades more experience which defeated me with no effort, and my own lingering self-doubt from months of unemployment, I sailed to the final interview round with the company's executives.
Upon returning to our apartment, I found Kath flaunting a chic dress from a designer brand brand she’d snagged on clearance—a little luxury courtesy of our wish-granting island. Inspired, I approached the island and cheekily requested, "Get us jobs. Something fun." Lo and behold, the following day was spent lounging and binge-watching Netflix, only to be interrupted by a call from a former bigwig at my old job. He was venturing into a more illustrious company and wanted me onboard. The informal chat that followed was a breeze, and just like that, I was back in the game with a fancier title and a fatter paycheck.
The subsequent week was a flurry of celebrations. Jaz secured a senior-level position, and Kath landed her dream job at an influencer management agency. Feeling triumphant, we decided to indulge in a night of fine dining—our first in months. That Friday evening when I went from office to restaurant, on a whim, stopped at a convenience store to grab snacks and cigarettes for our post-dinner revelry. Outside, I encountered a homeless person. After offering him a sandwich (which he traded for a cigarette instead), he took a drag, peered into my eyes, and ominously muttered, “Look, young lady, this isn’t my business, but be wary of what you wish for; everything comes with a price. Good luck and god bless you.”
His words barely registered until later that evening when a mishap occurred that seemed to underline his warning. As we enjoyed syphon coffee post-dinner, a barista accidentally tripped over Kath’s flowing dress. The resulting spill left her with first-degree burns, abruptly ending our night as we rushed to the emergency room. Though it was "just" a first-degree burn, the pain was significant enough to require several days off for Kath’s recovery. Amid the drama, I couldn't help but wonder about the cryptic caution from the man outside the store—had our fortunate streak come with a hidden cost?
We chalked up the coffee calamity to bad luck. The next month flowed smoothly: Kath's fingers healed, she returned to work, and I quickly found my groove at the new job. With all of us gainfully employed, our communal meals at the kitchen island became rare. My mornings were a whirlwind of grabbing breakfast and coffee on the go, followed by an hour's commute to a job that had me scarfing down instant noodles by nightfall, just in time for a quick shower.
As the busy season kicked in, my workload ballooned—not just from the seasonal uptick, but because I was hell-bent on proving my mettle. I quickly outshone most of my peers, and my employer, recognizing a budding overachiever, piled on major tasks, which I eagerly accepted. What started as the occasional hour of overtime soon devoured my weekends. Unpaid overtime, as the fine print in my contract gleefully noted, became my new norm. Driven by a mix of ambition and expectation, I had become the go-to young hotshot, the erstwhile record-breaker now expected to continually outdo myself.
Mentally, I was too swamped to entertain thoughts of anything beyond work, which, in a twisted way, felt like a break. Physically, however, the strain began to show. A bout of flu caught on a business trip escalated into a fever. Sick as I was, deadlines waited for no one, and I soldiered on medicated and miserable. By the time I made it home, my voice had abandoned me. Unable to utter a word the next morning, I resorted to emailing my manager about my sorry state.
That week, robbed of my voice, I mused that it was perhaps a well-deserved hiatus for my overworked vocal cords—a silent retreat if you will. But when my voice did return, it was as a raspy whisper, a shadow of its former crisp and melodious timbre. My doctor offered a grim prognosis: slight improvement might come, but the golden tones were gone for good—scarred by the relentless grind. Ah, the price of ambition—a scratchy throat as a permanent reminder of my corporate conquests.
It seemed I had unwittingly exchanged the clarity of my voice for the tumult of career success. In the midst of our domestic enchantment with the possibly mystical kitchen island, Kath unearthed the contact of a reputed psychic, hailed as the finest in the land. However, the consultation fee was nothing short of princely, and with Jaz vehemently dismissing anything that couldn't be explained by cold, hard science, she promptly opted out of splitting the bill. Kath and I, unwilling to drain our wallets on what could be mere phantasmagoria, reluctantly let the opportunity pass.
Meanwhile, I couldn’t help but notice a curious change in Jaz’s routine. She had ceased dining at the kitchen island, avoiding it as if it were cursed—or perhaps, in her view, simply out of style. The Saturday morning brought a particularly harsh twist: a murder of crows took to spiralling above our balcony, their cries as sharp as the plot of a Poe novel. We found ourselves drawn to the infamous kitchen island, lined up like the cast of a macabre play, silently praying for the birds to disperse. Kath, ever trying to restore some semblance of normalcy, offered up cups of Blue Mountain coffee. She absentmindedly inquired if I wanted cream or sugar in mine—a blunder that made me realize just how long it had been since our last coffee klatch at this very spot. My inner monologue couldn't resist a dark wish for the crows to scatter, perhaps too dark, for they began to dive bomb our balcony in a feathery kamikaze. The spectacle was enough to knock Jaz off her feet—literally—as her mug met its end on the floor. Kath, meanwhile, made a hasty retreat to worship the porcelain god, and I sat frozen, my brain offline, pondering the twisted power of our kitchen island's apparent wish-granting.
After the unnerving spectacle of crows turning our balcony into a scene straight out of a Hitchcock film, our first rational step—post-collective fainting, of course—was to summon cleaners to manage the feathery carnage. Then, still rattled but increasingly curious, we visited a psychic, who, contrary to the crystal-ball-gazer image, operated out of a posh boutique in a high-end mall and dressed more like she was headed to a fashion show than a séance. We laid bare our saga of the seemingly cursed kitchen island, complete with photographic evidence of where domestic bliss meets eerie phenomena.
The psychic introduced a term that chilled the air around us: “limbo,” the threshold between our world and the otherworldly, and she dubbed our kitchen island the "Devil’s Bargain Counter." According to her, our wishes came with a heavy and unpredictable price, because we have accidentally started trades with beings from the netherworld. Her advice was disarmingly simple: cease all trades on the island. To address the repercussions of past wishes, she advised us the first line of defence, which was an eclectic mix of offerings laid out on our cursed countertop: raw meat(rooster works the best), a cocktail of spices(coca and cinnamon preferably), liberal splashes of spirits(whiskey and rum ideally), and an eerie bouquet of black flowers(luckily I found some black roses at a flower shop of the mall). In a grander gesture of appeasement, Kath relinquished her shiny new diamond bracelet, Jaz her absurdly expensive headphones, and I parted with cash—— a hefty slice of my bonus in hopes of placating whatever capricious spirits we'd angered.
Our return to normalcy was brief but sweet, prompting us to plan a getaway, eager to forget about our nefarious kitchen island. Yet, the respite was merely a tease. Jaz, in a stroke of spectacular misfortune, narrowly dodged disaster twice in one day—first nearly becoming subway track fodder on her way back after work, and then almost getting knocked out by a rogue plant at our apartment building’s doorstep. Clearly, our previous offerings were mere appetizers to whatever forces we'd stirred. The psychic, summoned once again to our now-dubious sanctuary, decreed that the spirits had developed rather expensive tastes, unsatisfied by our initial gestures.
In a desperate bid for closure, we had the psychic over for a nighttime ritual, timed perfectly with Earth's closest approach to the netherworld, according to her. Our living room turned into a ritual chamber, with windows blacked out for days, to keep the otherworldly dealings strictly nocturnal. That night, we arranged ourselves around the island, now less a kitchen fixture and more an altar of last resort.
The psychic, amidst a chorus of Latin incantations, directed us through a chilling séance that included a mirror that reflected nothing but darkness and a burning black candle, the three of us sat in a row, joined hands, eyes closed. When the black candle was flickering at its last, the first eerie scratches heard prompted our eyes to open prematurely, we saw a command appear on the island, written by invisible hand and pen, in blood-red script, urging us to find the next "succeeder" before our lease on otherworldly disturbances could be terminated.
With bated breath, we agreed, and as if by magic, our signatures materialized on the countertop, then faded as the candle sputtered out. We tore off the black cardboard taped on the windows at dawn, the sunrise revealed a final message etched into the surface: "Debt cleared." As the daylight grew, the ominous inscription dissolved into nothingness, signalling the end of our spectral saga.
The ordeal, now officially behind us, left us enjoying a semblance of normalcy: life in 606 returned to its mundane rhythm, with dinners and movie nights back on our social calendar. Though not without its scars—literal and figurative.
It’s been two years since then, Jaz, in the throes of romantic bliss, is now gearing up for a new chapter waiting to be written alongside her soon-to-be spouse; Kath, her career finally taking a lucrative turn, was poised to upgrade her living situation, she secured a lease on a lavish serviced apartment in the city center—a place that matched her newfound financial swagger.
I’m not without my own leaps forward. With a modest boost from my parents, I took the plunge into homeownership, snagging a property within the city’s vibrant confines. The process was a whirlwind of paperwork and decorating decisions, culminating in a space I could truly call my own.
As we are packing up now, my last act is to type out our story, at the infamous island, and of course, I left a note in the fridge for the next tenants:
"Welcome to 606. We had a wonderful time here, especially at the kitchen island, filled with joy and unforgettable moments. We hope you find as much happiness as we did. Use the isle well. Warm wishes, the previous tenants."
submitted by Temporary-Driver-772 to creepypasta [link] [comments]


2024.05.14 22:10 The_OG_Chad A medical / game overhaul to maximize depth/immersion with mostly current code and mechanics. A compromise to bridge “hardcores” + “casuals” and not killing expensive medical ships.

It’s a little scattered doing it on my phone. I’ll get home and clean it up. But I want peoples input. I really think this would work and it’s totally realistic. I think CIG needs some guidance and the medical changes offer the perfect moment to add these features in the game.
I have been a developer for years and I can see CIG trying balance what’s realistic and what they promised. Every startup I was with came to a point where they realized their proposals were far too aggressive, and the higher ups would not even listen to ideas unless they were easy to implement.
So, I’ve been trying to come up with ideas that take minimal effort for maximum gains. These are fairly simple, but will add depth or will lay the groundwork for easy future development.
I think this is the perfect topic for my first idea. The medical system is tricky, but so important. Right now, the medical system is boring and doesn’t add much to the game and with a few tweaks it could add 25% more and be a major part imo while feeling more immersive and satisfying both parties. We need to look to other amazing games like Eve online and cyberpunk imo.
The hard-core fans want investment and death to cost. Now that I am older and have a family, I understand how hard it is to balance that in time to play Now that I am older and have a family, I understand how hard it is to balance that and time to play. It’s really hard to get your average gamer to want to invest 30 minutes to simply respawn.
So in my opinion, we need a system that…
  1. Makes death inconvenient and costly but with several ways to pay the “bill”, not only costly at that moment so the player decides quitting is easier.
  2. Makes the game far more immersive and makes the game deeper, not shallower. In real life in the future, in the future, medical would be a vast portion of warfare and finance and exploration and exploitation. Not just a glorified HP counter.
  3. Makes all medical ships useful and relevant. Cannot have a shallow system where one ship is clearly the best.
  4. Makes healthcare and biology affect all the other parts of the game…. It is our bodies and minds after all. In the future, the wealthy will modify their bodies, just like their ships.
  5. Uses a lot of these modules that are currently window dressing, but have amazing application. Things like blood pressure and reflex times and damage reduction and bio scanners and the HUD and incorporates it to a tiered clone system.
TLDR is We need a Cyberpunk / Eve style futuristic bio medical system with weapons and implants that completely change a persons capabilities and a jump clone system that reflects this. T5-T1 clones 5 being a throwaway and 1 being a Spartan from Halo. T1 would have the exact HUD we have now with additional systems. T4 and less is like the game in photo mode with nothing. People take for granted how much information you get from the HUD and who would really have access to it?
The beauty of this is while it sounds like a lot and would add 25-50% more careers, economys, gameplay and strategy’s from a gameplay perspective. Its actually not much at all from a development point of view. It would reuse all of the current systems now, and add a few skills like scanning / hacking and weapons like EMP, Darts to humans. Generally, this is how it would work.
T5 clone is a meat bag with a 4 hour life used as a spare tire. It’s the base level. Operated similar to when you’re drunk because The damage from the cryo. You can do stuff, but you are very limited. They can be carried around in 1 SCU containers or special lockers in big ships for dangerous work like reactor repairs etc.
T4 clone is a meatbag the same we are inhabiting right now IRL. Basically this is exactly like you turning off the game hud in photo mode. These cannot be cold stored and reused. No HUD or endgame information input at all outside of your Moby glass watch.
T3 clone is the first of the implants. It can take one implant. Combat might allow thermal vision or the local map and radar and crosshair. Exploration might have the ability to bookmark or see things on your HUD that you scanned from your ship. Conversation might add elements to charisma and talking people into doing things, getting better prices on goods, or hearing rumors about opportunities, etc. Covert allow you to scan people and check their inventory and run checks on who they are, what crimes they have committed, etc.
Basically it’s a stripped down version of the hud that’s active all the time even without helmets. It has to work in tandem with your mobi. You have to select one element.
T2 clone has upgraded reflexes, can run longer, survive more dmg and has the complete HUD suite. It has the bandwidth and upgrades to support 1 implant and 1 physical modification. Everything CIG has been adding can be added to the HUD but you have to switch between exploration, combat, conversation, covert etc. 1 physiological mod or weapon. Like a brain hacking chip that can open ship doors, and emp that shut down all electronics in a 20 m radius for 15 seconds or a drone or fiber optics camera. Then there are all the illegal modifications like hidden blades, Multi launchers with everything from neurotoxin to EMP darts.
T1 clone is very costly and made for combat and for solo explorers who need complete autonomy. 20% more hp, and basically 20% better everything. It has the complete HUD with the ability to Connect to the data stream of two ships in your party. If your buddys ship detect an enemy ship coming in it would pop up in your actual vision as a big red square with information. You would have the ability to zoom without a helmet on and have limited scanning just like your ships function on everything.
It could 2 implants. 1 legal and 1 illegal implant. Emp, Hacker etc
It also has two physical modifications. Blades, darts etc
Also the tier 2 and 1 are the only clones that are not harmed using heavy or power armor. The others are slowly harmed by s by the rapid and jarring servos, etc. so they are all time limited.
Imagine how amazing this would make the universe in general. You would have ripper docs implanting stolen, or military implants. Corpses would now be valuable if they had upgraded organs for implants. People would become targets just for their implants.
If you killed an assassin coming after you, you could take his cool tools.
Sometimes corpses could be worth as much as a ship. You could actually ransom back bodies.
You could have a repo men coming to collect the implants. Organ traders and human traffickers.
But it would also make T1 and 2 ships completely necessary in combat because they were the only ones who could rec clone military units.
Best of all. All of this code is already there. All of the heads up display and all these cool features they’ve been adding Would be the implants themselves.
The game the Way it is it doesn’t make sense that a Moby glass can produce all of this data. It makes the game more immersive as well.
It doesn’t have to be over the top like cyberpunk. But we almost have brain implants now and everything is going wireless, you really think in the future they’re gonna be wearing a wristwatch? Everything will be brain implant and wetware.
With these easy changes, we solve our medical problems and add a ton of depth along with the ability to add as much depth as we want.
All you would need is to create the UI for this, but the game already has a lot of that with its biological scanners. All the balancing could happen by biologically if you’re using implants, etc.
Jump clones would cost a lot of money to make, and healthcare in real life is one of the most expensive things. But just like the hospital doesn’t make you pay your bill the moment you’re out of surgery, we need to spread the cost to a later time.
The time the player needs to respawn is usually after they have already planned and loaded up and executed, but didn’t succeed. This is time where casual players set aside their block of playable hours. (when the kids are asleep and wife is watching something etc) So by making it too costly at that moment, ( 30 minutes to an hour, getting geared up and in ship flying back) your odds are they will just quit, which is not engaging for other players and your odds of a major war or event go down drastically. What’s good for the game and what was so successful in Eve was the fights after the opening.
Instead the front loading all the time investment, Charge 5-25k for the biomaterial. spread the cost of the death to a later time and let them pay off their debt when they log back in.
We also want to make the smaller tier 3 ships necessary while not killing the t1 and 2 beds.
submitted by The_OG_Chad to starcitizen [link] [comments]


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