Chapter debt 995 eaa
Gribble - Chapter 22
2024.05.20 06:17 Mysterious_Cat_1706 Gribble - Chapter 22
New Chapter on every MWF (Monday, Wednesday,Friday)
[First] [[Next>]
[Discord] [Buy me a coffee]
Chapter 22: A New Resolve
Raindrops cascaded down Gribble's muscular form as he emerged from the cave, his newly transformed body glistening in the soft light of dawn filtering through the lush forest canopy. The thunderstorm had given way to a peaceful landscape, but tension hung in the air. Gribble inhaled deeply, the scent of damp earth and foliage filling his nostrils. Leaves rustled gently and birds chirped in the distance, the sounds reaching his keen ears.
The power of the Thundercat's heart pulsed through his veins, a constant reminder of the incredible transformation he had undergone and the challenges awaiting him. Gribble took a moment to survey his surroundings with his enhanced senses fully awakened. Despite the tranquil scene, he knew danger lurked nearby. With a deep breath, he steeled himself for the journey ahead, his newfound strength and agility filling him with confidence and purpose.
Gribble's ears twitched as they picked up distant sounds of Grimrock forces and Royal Trolls moving through the forest, snapping twigs and rustling undergrowth as they searched for him. His heightened sense of smell detected their distinct scents carried on the breeze - the sweat and metal of their weapons.
Gribble's mind raced, considering his options. He had to act fast to evade capture. His jaw set with determination as he formulated a plan, knowing he had to reach Troll Valley and check on Tormak, the shaman who helped him when he was injured. He owed Tormak a debt of gratitude. Urgency filled Gribble at the thought of ensuring his friend's safety.
Scanning the forest with his enhanced vision, Gribble picked out faint traces of a path leading back to the valley. He realized returning while his pursuers were distracted searching for him was his best chance to get there undetected. The goblin's eyes narrowed as he assessed the risks and opportunities. With renewed resolve, he took a deep breath and began moving forward, his powerful strides carrying him swiftly and silently into the dense foliage.
Gribble navigated the challenging undergrowth with a newfound grace and agility, his enhanced strength allowing him to push through tangled vines and branches with ease. His heightened senses kept him constantly alert for any signs of danger. Eyes darting from shadow to shadow, ears twitching at every snap and rustle, nostrils flaring as he continuously scanned for his pursuers' scent, Gribble marveled at the power coursing through his transformed body.
Each purposeful step forward was imbued with fierce determination, driven by the need to reach Troll Valley and protect those he held dear. The incredible changes the Thundercat's heart had wrought filled Gribble with a sense of purpose, even as his mind grappled with the implications of the terrible destruction he might now be capable of. Deeper and deeper into the forest he pressed, unwavering resolve propelling him onward into the unknown.
Suddenly, Gribble's sensitive hearing picked up rhythmic thudding of approaching footsteps, heavy boots impacting soft earth. At the same time, the distinct musky odor of Royal Trolls and goblins reached his nostrils on the gentle breeze. Gribble's heart raced, adrenaline surging through him at the realization his enemies were closing in.
His enhanced senses quickly constructed a vivid mental map, assessing the distance and direction of the approaching threats. He had to act fast to avoid detection, newfound abilities put to the test as he navigated the treacherous landscape. Muscles tensed, body coiled with anticipation, Gribble prepared to alter course, ready to utilize his enhanced speed and agility.
With precise, calculated movements, Gribble detoured slowly and carefully, his enhanced senses guiding him through the dense foliage. His heart pounded, a mix of excitement and trepidation, as he tested the limits of his transformed body. Each step was a test, a challenge, a stepping stone on the path to mastering his transformed self. And with each stride, his confidence grew, his determination solidified into an unbreakable core. His heart pounding from both excitement and fear, with senses alight and muscles thrumming with barely contained power.
Moving with fluid grace that belied the incredible strength coiled in his muscles, Gribble's mind raced with both thrilling possibilities and terrible implications of his newfound powers. But he remained laser focused on his goal, confidence growing with each silent stride. The need to reach his friends in Troll Valley drove him ever forward.
Keen eyes scanning ahead for hidden dangers or ambush points, Gribble's enhanced vision picked out even the faintest traces of disturbance in the undergrowth - bent leaves, scuffed moss, snapped twigs - subtle signs of passage invisible to normal sight. His mind worked overtime, constantly assessing risks and calculating the safest route, senses feeding him torrents of information to process.
Preternatural awareness of his surroundings kept him vigilant as he navigated the forest. Eyes darted between shadows, ears attuned to the faintest unnatural sound, nostrils twitching at any break in the earthy forest scents. Not for an instant could he let his guard down, lest he pay the ultimate price.
Boulders, streams, and tangles of roots proved no obstacle to Gribble as he traversed the forest, enhanced strength and agility allowing him to clamber and leap with almost effortless grace. Powerful muscles rippled beneath green skin as he vaulted fallen logs and boulders. Reaching a small stream, his body coiled and sprung, propelling him across the burbling water without so much as a splash.
Gribble's passage left no trace, every movement silent and efficient, aided by his heightened senses scanning ceaselessly for any sign of pursuit. Singular purpose consumed him, all energy focused on remaining undetected. Body and mind worked in perfect harmony, decades of hard-won survival skills meshing seamlessly with his newfound abilities.
Forefront in Gribble's thoughts as he journeyed was Tormak, the troll shaman who had come to his aid. Concern gnawed at him, worry for his friend's welfare in the time since their last encounter. His imagination raced, conjuring myriad possibilities of what might have befallen the kindly troll. Even his enhanced senses could provide no answers across the distance separating them.
Clinging to hope that Tormak still lived, Gribble's jaw clenched with determination, pace quickening. He had to reach him, had to repay the generosity Tormak had shown him, the debt he owed his friend. Memories of the shaman's gentle wisdom, the compassion in his golden eyes, spurred Gribble onward like a lodestone. He would not fail him.
And through it all, Gribble's heightened senses never ceased their constant scan for danger. Ears swivelled at the skitter of a lizard over bark, at the distant shriek of a hawk. Nostrils flared, sifting the sea of mingled scents for any wisp of goblin or troll. Even as his thoughts wandered, his body remained taut and ready, a coiled spring awaiting the first hint of a threat.
Physical reactions came without conscious thought now - muscles tensing at unexpected sounds, body shifting subtly into a fighting crouch at the faintest whiff of predator musk. The instincts of a being fashioned for battle, kill or be killed. There could be no rest, no respite from the vigilance. Gribble's very survival depended on it.
As he loped onward, Gribble pondered the enormity of the change that had been wrought upon him, the world-altering power that now suffused every sinew and bone. His reminiscing took him back to that pivotal moment in the cave, the instant the Thundercat's heart had passed his lips. The rush of raw energy that had surged through him like a bolt of lightning, the agony and ecstasy of his metamorphosis.
In the span of a few heartbeats, the very foundations of his being had been rewritten. Senses sharpened to an almost unbearable keenness, nerve afire with new life, veins swelling with physical might beyond mortal ken. The feeling of invincibility, of boundless vigour, was intoxicating. Addictive.
And yet, with this great power came an equally great burden. Already Gribble could feel the weight of it settling upon his shoulders, the knowledge that he now held in his palms the capacity for acts of greatness... and of untold devastation. The thought sent a shiver through him despite the warmth of his exertion.
Every movement, every flex of newfound strength, held a reminder of the responsibility that now rested on him. Of the precarious balance he must strike, the control he must master, lest his power consume him and all those around him. Harnessing this raw, primal force, channelling it for good - that would be his true test. One he could not afford to fail.
Dawn's light gradually infused the forest as Gribble ran on, tirelessly, honey-gold rays slanting through the canopy to dapple the loam with pools of warmth. With the rising sun came a rekindling of hope, a sense of promise. Of new beginnings. The night's dangers were fading with the shadows, and pride kindled in Gribble's chest at the thought of the distance he'd covered, the progress he'd made.
There was still far to go, many challenges yet to surmount, but for now, in this moment, Gribble allowed himself a small surge of accomplishment. Of gratitude for the abilities that had let him come so far unscathed. For the first time, the true scope of the gift he'd been granted began to settle in his mind. The myriad potentials, the uncharted paths stretching out before him.
His resolve crystallized like hardening steel, a sense of purpose, of destiny, straightening his spine and quickening his gait. Whatever trials lay ahead, whatever threats loomed over Tormak, over Troll Valley, he would meet them unflinchingly. Would fight with every ounce of strength in his transformed body, with every pulse of the Thundercat's power in his veins.
He had been granted these abilities for a reason, offered up this chance to be more, to rise above his humble origins. To become a champion, a protector, a beacon of hope in a world torn by strife. And by the spirits, he would prove himself worthy of it. Would give his all, his very life if need be, to honour the legacy that had been bestowed upon him.
Slowing his stride, Gribble cast his gaze about the sun-drenched woods, taking in the beauty, the vibrance, the life that surrounded him on all sides. This, this was what he fought for. What he would gladly lay down his life to defend. The right of every creature to live and grow and thrive, free from the shadow of fear and oppression.
A faint smile curved his lips as new strength surged through him, a sense of rightness, of affirmation. He was on the proper path, guided by the spirits, blessed by fate. Come what may, he would walk it with his head held high, his heart true, and the power of the Thundercat roaring in his blood.
Drawing a deep breath of crisp morning air, Gribble centred himself, reaching for that newfound well of calm at his core, the eye in the storm of his transformed being. Then, with a flex of mighty thews, he launched himself into the next leg of his journey, little more than a verdant blur flashing between the ancient trees. Onward, to Troll Valley. To Tormak, who might be in need of his aid. To a destiny still unfolding with each bounding stride.
submitted by Mysterious_Cat_1706 to HFY [link] [comments]
[First] [
[Discord] [Buy me a coffee]
Chapter 22: A New Resolve
Raindrops cascaded down Gribble's muscular form as he emerged from the cave, his newly transformed body glistening in the soft light of dawn filtering through the lush forest canopy. The thunderstorm had given way to a peaceful landscape, but tension hung in the air. Gribble inhaled deeply, the scent of damp earth and foliage filling his nostrils. Leaves rustled gently and birds chirped in the distance, the sounds reaching his keen ears.
The power of the Thundercat's heart pulsed through his veins, a constant reminder of the incredible transformation he had undergone and the challenges awaiting him. Gribble took a moment to survey his surroundings with his enhanced senses fully awakened. Despite the tranquil scene, he knew danger lurked nearby. With a deep breath, he steeled himself for the journey ahead, his newfound strength and agility filling him with confidence and purpose.
Gribble's ears twitched as they picked up distant sounds of Grimrock forces and Royal Trolls moving through the forest, snapping twigs and rustling undergrowth as they searched for him. His heightened sense of smell detected their distinct scents carried on the breeze - the sweat and metal of their weapons.
Gribble's mind raced, considering his options. He had to act fast to evade capture. His jaw set with determination as he formulated a plan, knowing he had to reach Troll Valley and check on Tormak, the shaman who helped him when he was injured. He owed Tormak a debt of gratitude. Urgency filled Gribble at the thought of ensuring his friend's safety.
Scanning the forest with his enhanced vision, Gribble picked out faint traces of a path leading back to the valley. He realized returning while his pursuers were distracted searching for him was his best chance to get there undetected. The goblin's eyes narrowed as he assessed the risks and opportunities. With renewed resolve, he took a deep breath and began moving forward, his powerful strides carrying him swiftly and silently into the dense foliage.
Gribble navigated the challenging undergrowth with a newfound grace and agility, his enhanced strength allowing him to push through tangled vines and branches with ease. His heightened senses kept him constantly alert for any signs of danger. Eyes darting from shadow to shadow, ears twitching at every snap and rustle, nostrils flaring as he continuously scanned for his pursuers' scent, Gribble marveled at the power coursing through his transformed body.
Each purposeful step forward was imbued with fierce determination, driven by the need to reach Troll Valley and protect those he held dear. The incredible changes the Thundercat's heart had wrought filled Gribble with a sense of purpose, even as his mind grappled with the implications of the terrible destruction he might now be capable of. Deeper and deeper into the forest he pressed, unwavering resolve propelling him onward into the unknown.
Suddenly, Gribble's sensitive hearing picked up rhythmic thudding of approaching footsteps, heavy boots impacting soft earth. At the same time, the distinct musky odor of Royal Trolls and goblins reached his nostrils on the gentle breeze. Gribble's heart raced, adrenaline surging through him at the realization his enemies were closing in.
His enhanced senses quickly constructed a vivid mental map, assessing the distance and direction of the approaching threats. He had to act fast to avoid detection, newfound abilities put to the test as he navigated the treacherous landscape. Muscles tensed, body coiled with anticipation, Gribble prepared to alter course, ready to utilize his enhanced speed and agility.
With precise, calculated movements, Gribble detoured slowly and carefully, his enhanced senses guiding him through the dense foliage. His heart pounded, a mix of excitement and trepidation, as he tested the limits of his transformed body. Each step was a test, a challenge, a stepping stone on the path to mastering his transformed self. And with each stride, his confidence grew, his determination solidified into an unbreakable core. His heart pounding from both excitement and fear, with senses alight and muscles thrumming with barely contained power.
Moving with fluid grace that belied the incredible strength coiled in his muscles, Gribble's mind raced with both thrilling possibilities and terrible implications of his newfound powers. But he remained laser focused on his goal, confidence growing with each silent stride. The need to reach his friends in Troll Valley drove him ever forward.
Keen eyes scanning ahead for hidden dangers or ambush points, Gribble's enhanced vision picked out even the faintest traces of disturbance in the undergrowth - bent leaves, scuffed moss, snapped twigs - subtle signs of passage invisible to normal sight. His mind worked overtime, constantly assessing risks and calculating the safest route, senses feeding him torrents of information to process.
Preternatural awareness of his surroundings kept him vigilant as he navigated the forest. Eyes darted between shadows, ears attuned to the faintest unnatural sound, nostrils twitching at any break in the earthy forest scents. Not for an instant could he let his guard down, lest he pay the ultimate price.
Boulders, streams, and tangles of roots proved no obstacle to Gribble as he traversed the forest, enhanced strength and agility allowing him to clamber and leap with almost effortless grace. Powerful muscles rippled beneath green skin as he vaulted fallen logs and boulders. Reaching a small stream, his body coiled and sprung, propelling him across the burbling water without so much as a splash.
Gribble's passage left no trace, every movement silent and efficient, aided by his heightened senses scanning ceaselessly for any sign of pursuit. Singular purpose consumed him, all energy focused on remaining undetected. Body and mind worked in perfect harmony, decades of hard-won survival skills meshing seamlessly with his newfound abilities.
Forefront in Gribble's thoughts as he journeyed was Tormak, the troll shaman who had come to his aid. Concern gnawed at him, worry for his friend's welfare in the time since their last encounter. His imagination raced, conjuring myriad possibilities of what might have befallen the kindly troll. Even his enhanced senses could provide no answers across the distance separating them.
Clinging to hope that Tormak still lived, Gribble's jaw clenched with determination, pace quickening. He had to reach him, had to repay the generosity Tormak had shown him, the debt he owed his friend. Memories of the shaman's gentle wisdom, the compassion in his golden eyes, spurred Gribble onward like a lodestone. He would not fail him.
And through it all, Gribble's heightened senses never ceased their constant scan for danger. Ears swivelled at the skitter of a lizard over bark, at the distant shriek of a hawk. Nostrils flared, sifting the sea of mingled scents for any wisp of goblin or troll. Even as his thoughts wandered, his body remained taut and ready, a coiled spring awaiting the first hint of a threat.
Physical reactions came without conscious thought now - muscles tensing at unexpected sounds, body shifting subtly into a fighting crouch at the faintest whiff of predator musk. The instincts of a being fashioned for battle, kill or be killed. There could be no rest, no respite from the vigilance. Gribble's very survival depended on it.
As he loped onward, Gribble pondered the enormity of the change that had been wrought upon him, the world-altering power that now suffused every sinew and bone. His reminiscing took him back to that pivotal moment in the cave, the instant the Thundercat's heart had passed his lips. The rush of raw energy that had surged through him like a bolt of lightning, the agony and ecstasy of his metamorphosis.
In the span of a few heartbeats, the very foundations of his being had been rewritten. Senses sharpened to an almost unbearable keenness, nerve afire with new life, veins swelling with physical might beyond mortal ken. The feeling of invincibility, of boundless vigour, was intoxicating. Addictive.
And yet, with this great power came an equally great burden. Already Gribble could feel the weight of it settling upon his shoulders, the knowledge that he now held in his palms the capacity for acts of greatness... and of untold devastation. The thought sent a shiver through him despite the warmth of his exertion.
Every movement, every flex of newfound strength, held a reminder of the responsibility that now rested on him. Of the precarious balance he must strike, the control he must master, lest his power consume him and all those around him. Harnessing this raw, primal force, channelling it for good - that would be his true test. One he could not afford to fail.
Dawn's light gradually infused the forest as Gribble ran on, tirelessly, honey-gold rays slanting through the canopy to dapple the loam with pools of warmth. With the rising sun came a rekindling of hope, a sense of promise. Of new beginnings. The night's dangers were fading with the shadows, and pride kindled in Gribble's chest at the thought of the distance he'd covered, the progress he'd made.
There was still far to go, many challenges yet to surmount, but for now, in this moment, Gribble allowed himself a small surge of accomplishment. Of gratitude for the abilities that had let him come so far unscathed. For the first time, the true scope of the gift he'd been granted began to settle in his mind. The myriad potentials, the uncharted paths stretching out before him.
His resolve crystallized like hardening steel, a sense of purpose, of destiny, straightening his spine and quickening his gait. Whatever trials lay ahead, whatever threats loomed over Tormak, over Troll Valley, he would meet them unflinchingly. Would fight with every ounce of strength in his transformed body, with every pulse of the Thundercat's power in his veins.
He had been granted these abilities for a reason, offered up this chance to be more, to rise above his humble origins. To become a champion, a protector, a beacon of hope in a world torn by strife. And by the spirits, he would prove himself worthy of it. Would give his all, his very life if need be, to honour the legacy that had been bestowed upon him.
Slowing his stride, Gribble cast his gaze about the sun-drenched woods, taking in the beauty, the vibrance, the life that surrounded him on all sides. This, this was what he fought for. What he would gladly lay down his life to defend. The right of every creature to live and grow and thrive, free from the shadow of fear and oppression.
A faint smile curved his lips as new strength surged through him, a sense of rightness, of affirmation. He was on the proper path, guided by the spirits, blessed by fate. Come what may, he would walk it with his head held high, his heart true, and the power of the Thundercat roaring in his blood.
Drawing a deep breath of crisp morning air, Gribble centred himself, reaching for that newfound well of calm at his core, the eye in the storm of his transformed being. Then, with a flex of mighty thews, he launched himself into the next leg of his journey, little more than a verdant blur flashing between the ancient trees. Onward, to Troll Valley. To Tormak, who might be in need of his aid. To a destiny still unfolding with each bounding stride.
2024.05.20 04:23 TrekFan81 AC Replacement
I filed for a chapter 13 in April 2020 in order to stop a foreclosure sale on my home. My AC coil has a known leak and in the summer of 2022 I was granted a motion to incur debt to replace the system. I spent over a month that summer reaching out to various banks and credit unions and no one would give me a loan. I ended up losing my hob in August 2022 and gave up the search and paid for another recharge. I tried to do a cash out refinance on my mortgage and I couldn’t because of the bankruptcy. I had a tune up and recharge done on May 1 of this year and the house still isn’t cooling properly. I forgot to mention that I have a 2.5 ton system, original to the home that was built in 2011, for a 2100 square foot house. Now that I’ve said all that, has anyone here who’s filed for a chapter 13 run into this issue and what did you do? I should also note that my credit is shit right now. Thank you for taking the time to read this far.
submitted by TrekFan81 to Bankruptcy [link] [comments]
2024.05.20 03:57 Obsidi4nEMC Advice for a Bankrupt in progress
I am currently awaiting my 341 hearing and subsequent discharge of debt hopefully in a chapter 7….
I told my lawyer I will keep the 13k car debt and 21k suv debt as I really need vehicles because I’m rural and the used market is terrible.
Anyway, upon taking my car to the dealership they inform me that I need a new engine, and the warranty company won’t cover anything until I pay 2000 to tear down the engine and prove it wasn’t lack of maintenance, which I don’t know because I just bought the car in December and it could’ve been neglected.
So I paid to get my car back instead of tearing down and now I’m looking at discharging the 13k car since it’s a gamble I don’t wanna take.
My question is should I truly be debt free and discharge the 21k SUV? I kinda want to but my wife doesnt….. and also I will be entering the used market desperate which is bad because there’s no guarantee I’ll find anything good unless I finance something….
Do I finance a 10k car for the wife after bankruptcy and go find myself a beater for commuting? Idk what to do
submitted by Obsidi4nEMC to DaveRamsey [link] [comments]
I told my lawyer I will keep the 13k car debt and 21k suv debt as I really need vehicles because I’m rural and the used market is terrible.
Anyway, upon taking my car to the dealership they inform me that I need a new engine, and the warranty company won’t cover anything until I pay 2000 to tear down the engine and prove it wasn’t lack of maintenance, which I don’t know because I just bought the car in December and it could’ve been neglected.
So I paid to get my car back instead of tearing down and now I’m looking at discharging the 13k car since it’s a gamble I don’t wanna take.
My question is should I truly be debt free and discharge the 21k SUV? I kinda want to but my wife doesnt….. and also I will be entering the used market desperate which is bad because there’s no guarantee I’ll find anything good unless I finance something….
Do I finance a 10k car for the wife after bankruptcy and go find myself a beater for commuting? Idk what to do
2024.05.20 03:17 More_Chest9386 To Chapter 7 or not
Contemplating chapter 7. I am 41 and have about 75k in credit card debt, 30k in personal loans and owe the IRS 85k. I make a decent living around 200k a year but have over 15k in payments each month which i can no longer keep up with when i come home with 11k after taxes each month. Should I go chapter 7? Been putting this off because I am in consulting and do not want this on my record should I get another job. Only have my house as an asset and about 100k in equity.
submitted by More_Chest9386 to personalfinance [link] [comments]
2024.05.20 01:19 Low_Translator5838 Anyone know how to stop a serial bankruptcy filer from delaying a foreclosure?
Anyone know how to stop a serial bankruptcy filer from delaying a foreclosure?
My Neighbor has not paid condo dues for nearly five years. He is currently in foreclosure with bank that holds his mortgage and they are trying to foreclose on him, but each time the foreclosure date (called the law day) nears he declares Chapter 13 Bankruptcy and is granted an automatic stay from his creditors. He’s declared bankruptcy four times already each time just before the foreclosure date. The bankruptcy is always dismissed shortly after he files because he never files the paperwork for the court or a plan to restructure his debt. Chapter 13 is meant to provide a softer landing for people that have fallen on difficult times, but it is clear from his behavior that he is filing Chapter 13 in bad faith and abusing the court system and bankruptcy laws to delay the foreclosure process. Our condo complex is small – we only have 10 units, so the other 9 unitholders are effectively funding the common charges for this person. Since there is no equity in the unit, the condo complex will only recover about 9 months of condo dues – according to State law. I am on the Association – and we have spoken with several bankruptcy lawyers – but we have not gotten a satisfactory on how long this person can deploy this delay strategy and what would cause it to stop. He’s done this four times and the mortgage holder who is leading the foreclosure process has not changed their strategy. Once the bankruptcy is dismissed the mortgage holder goes back to the foreclosure court and ask for a reset of the foreclosure with a new foreclosure date. I think it is inevitable that the defendant will just file for Chapter 13 again each time the mortgage holder resets the foreclosure date once we reach the new foreclosure date – does anyone know how or when this cycle will come to an end?
submitted by Low_Translator5838 to Bankruptcy [link] [comments]
My Neighbor has not paid condo dues for nearly five years. He is currently in foreclosure with bank that holds his mortgage and they are trying to foreclose on him, but each time the foreclosure date (called the law day) nears he declares Chapter 13 Bankruptcy and is granted an automatic stay from his creditors. He’s declared bankruptcy four times already each time just before the foreclosure date. The bankruptcy is always dismissed shortly after he files because he never files the paperwork for the court or a plan to restructure his debt. Chapter 13 is meant to provide a softer landing for people that have fallen on difficult times, but it is clear from his behavior that he is filing Chapter 13 in bad faith and abusing the court system and bankruptcy laws to delay the foreclosure process. Our condo complex is small – we only have 10 units, so the other 9 unitholders are effectively funding the common charges for this person. Since there is no equity in the unit, the condo complex will only recover about 9 months of condo dues – according to State law. I am on the Association – and we have spoken with several bankruptcy lawyers – but we have not gotten a satisfactory on how long this person can deploy this delay strategy and what would cause it to stop. He’s done this four times and the mortgage holder who is leading the foreclosure process has not changed their strategy. Once the bankruptcy is dismissed the mortgage holder goes back to the foreclosure court and ask for a reset of the foreclosure with a new foreclosure date. I think it is inevitable that the defendant will just file for Chapter 13 again each time the mortgage holder resets the foreclosure date once we reach the new foreclosure date – does anyone know how or when this cycle will come to an end?
2024.05.20 00:34 Potential-Tax7459 A wine bar rescue mission in Astoria
 | The ArtofBread Announces “Yes Mama: A Rescue Mission” ✨ submitted by Potential-Tax7459 to astoria [link] [comments] In the spirit of innovation and resilience, we at The Art of Bread are thrilled to announce our latest venture, “Yes Mama: A Rescue Mission”. This project is a testament to the indomitable spirit of entrepreneurship and the power of community. We at The ArtofBread saw the immense potential in aiding ‘Yes Mama Wine Bar 🍷 Our goal is to reduce the debt, add value to the struggling concept with a new one, and find an exit plan that works for the mompreneur. In the process, we aim to turn the establishment into an employee-owned business initiative, all powered by TheArtofBread 🍞 Join us on this journey as we write the next chapter of Yes Mama Wine Bar’s story. Together, we can create a future that’s as rich and satisfying as the food we serve. 🍃 New Hours of Operation 🍷🍻Consistency is 🗝 A Plant Based Eatery 🍄 Monday - Tuesday 1pm - 9pm (Pick up - Delivery) Pop Up Events Wednesday - Sunday 11am - 9pm ( Friday ˖ Saturday open till 11pm ) 🎉 Holidays Events Reservations Weekends Brunch Special Hours ✨ 🍽 44-10 30th avenue 11103 Queens NY 📞 (332) 267-90 17 📧 info@theartofbread.com Spread the Word 🚀 Share the story of Yes Mama Wine Bar and its mission with your network. The more people know about it, the more support it can get. Visit the Bar 🧑🏼🍳 If you’re in the area, stop by Yes Mama Wine Bar. Enjoy the food, the ambiance, and the community it fosters. Your patronage directly supports the business. Employee Ownership 🗝 If you or someone you know is interested in becoming part of an employee-owned business, consider joining the ArtofBread in the “Yes Mama Wine Bar rescue mission” Online Support ✣ Visit www.theartofbread.com to learn more about the initiative and how you can contribute. Vendors ⚙️Show your brand power, let’s collaborate and save this small business. Remember, every bit of support counts and brings us one step closer to achieving our mission. Thank you for your interest and support! For more information, visit www.theartofbread.com. 🍄 |
2024.05.19 22:41 Regenator CH 13 Mortgage Question
So my wife and I filed chapter 13 and we only filed for some old personal loans and credit card debt. Our mortgage is still our responsibility and not part of the bankruptcy. Now online, my mortgage shows “paid off” and I can’t find any information on the website on what to do. Anyone have any idea on what’s going on there? I need to make a payment in the next couple weeks to stay current on my mortgage.
submitted by Regenator to Bankruptcy [link] [comments]
2024.05.19 22:19 malcolio DRAFT 2 - NTW in Alphabetical Order. Chapter 1: Alsace-Lorraine
 | Europe in Early January, 1805. How the continent looks at the start of a Napoleon: Total War game. submitted by malcolio to u/malcolio [link] [comments] (Thumbnail) Seven years ago I started posting a writeup of playing a game of Empire: Total War with the challenge of conquering every region in alphabetical order. This was inspired by someone trying to play Crusader Kings in alphabetical order back in 2006. After 75 chapters, with about 2,600 images and just a silly amount of text, I completed the game and swore off touching another Total War game for some time! I’m now back, to try and achieve the same goal of conquering every region in alphabetical order but in Napoleon: Total War. I’ve never finished a game of N:TW before, so it will fun to see what this more focused and refined(?) version of E:TW will be like to play. As with my last playthrough, I’m using DarthMod and playing on Normal/Normal difficulty. I have no idea if those settings will make this challenge too easy or impossible, let’s find out! Napoleon Bonaparte’s stats and the 11 regions I have to sell off before I can start this challenge. There is a vast quantity of books studying the life of Napoleon Bonaparte, but what none of them will tell you is that he had a passion for the alphabet just like King Louis XIV. So obviously he was forced to sell off every region of the French Empire so that he could conquer the entirety of Europe in alphabetical order. Unfortunately if I lose France I automatically lose the entire game, so I’ll need to unofficially keep hold of that, but otherwise I first need to trade away Alsace-Lorraine, Aquitaine, Bretagne, Corsica, Hannover, Normandie, Pays d'Oc, Picardie-Champagne, Piedmont-Liguria, Provence, and the Southern Netherlands. At the moment the French Empire’s prosperity is spectacular, its prestige sublime, but that’s going to take a bit of a hit… The French military units in those region capitals will soon need to vacate, most are just militia and basic cavalry, but Strasbourg has a decent sized force led by Napoleon’s brother-in-law Joachim Murat. The French Imperial Army, scattered across Alsace-Lorraine, Northern Italy, and Hannover The rest of the Imperial Army is along the empire’s eastern border. Napoleon himself commands the largest army to the west of Strasbourg, close to two smaller forces led by Marshals Michel Ney and Louis-Nicolas Davout. Over in Northern Italy a detachment led by Marshal Jean-André Masséna guards the border with Austria, and in isolated Hannover a similar-sized group guards the city with Marshal Jean-Baptiste Bernadotte as its commander. The two French fleets, one off Portugal and the other near Genoa, and the flagship Scipion. The French Navy has just two fleets. The Atlantic Squadron is currently stationed near Portugal, Admiral Pierre-Charles Villeneuve commands the immense 122-gun Scipion, two 3rd rates, two 4th rates, and frigate. The Mediterranean Squadron is near French-controlled Genoa, led by Vice-Admiral Victor Durand it consists of just two frigates and a corvette. Soon the French Empire won’t have any ports that need defending or to repair ships at, and my income is about to nosedive, so I think it’s time to do something reckless… An outnumbered French fleet is defeated by Britain’s finest, but not without scoring a massive blow against the Royal Navy. Admiral Villeneuve is told to take his fleet north and engage whatever enemy vessels he can find, to sink as many ships as possible even if it risks wiping out his own. It doesn’t take long: in the Bay of Biscay the Atlantic Squadron bumps into none other than Vice-Admiral Nelson and a huge British fleet. The two commanders had previously fought at the Battle of the Nile as Rear-Admirals, and in reality weren’t due to meet for another 10 months at the Battle of Trafalgar. The British fleet greatly dwarfs the French, with Nelson commanding his own 122-gun Heavy 1st rate, a 1st rate, two 2nd rates, and three 3rd rates! I auto-resolve the battle, resulting in an expected defeat. Villeneuve survives on board a battered Scipion, with only a 4th rate for company, but somehow his squadron managed to sink every British vessel except for Nelson’s Rose! The Royal Navy has suffered a pyrrhic victory, my navy upkeep costs have gone down by more than 1,000 gold, and what remains of the Atlantic Squadron flees south to join up with the Mediterranean Squadron next turn. Parts of the French Empire are sold off, ready for them to be retaken in alphabetical order with the rest of Europe. With those naval manoeuvres finished I start haggling with other nations to remove eleven French regions that are stopping me from starting my alphabetical challenge. I sell each region to a different ruler, to get as much cash from the sale and to stop any one nation becoming too powerful. I try to give territory that is towards the end of the alphabet to my allies, and those towards the start to my enemies, to prevent having to backstab my friends until I’m already forced to destroy them anyway. While cash is important I also barter for as many technologies as I can: one technology can take 7 turns to research, gaining them now will pay dividends in growing my economy and strengthening my armed forces. The main achievement of these region swaps, apart from losing all my income and making me only one region away from defeat, is completely changing the United Kingdom’s foreign policy: by letting George III have both a personal and political union with Hannover I convince the British Empire to abandon all of its allies, and instead join the side of its centuries-old nemesis. That recent battle in Biscay didn’t seem to matter! Along with becoming friends with Prussia I now feel less worried that Paris might be immediately marched on, though it’s hard to tell how long these new alliances will last. The first unedited screenshot of the game. France is exempt from taxes, to help pretend it doesn’t exist, which doesn’t help the Empire’s negative income. After all those region swaps I now only control France, as mentioned before I can’t remove this territory without automatically losing the game. So to try not to benefit from being forced to keep France I’ve set myself the rule that I cannot build anything there, cannot research there, cannot recruit any troops from Paris, and the region is exempt from taxes. I keep a company of Grenadiers à Cheval and two artillery batteries to defend the capital, together they cost 546 gold a turn in upkeep so Paris is losing me money! Right, the game is now set up to start my challenge of conquering Europe in alphabetical order (sort of, ignore France). Which region do I need to capture first? Alsace-Lorraine. Only just traded to the Austrian Empire, it is surrounded by French armies including one teleported from Hannover. This is Alsace-Lorraine. Two images ago it became Austrian, in exchange for 5,530 gold and two technologies that would have taken me 14 turns to research. Unfortunately for Austria the region is surrounded by the bulk of the French Imperial Army, so the question isn’t how will I immediately conquer Alsace-Lorraine but can I do so without losing a single soldier? The full might of the Imperial Army is amassed against Strasbourg, defended by a small number of Austrian infantrymen and some armed civilians. Marshals Ney, Murat, and Bernadotte link up to immediately attack Strasbourg together. The full stack of units is supported by further armies commanded by Napoleon and Marshal Davot. Protecting the city is just five companies of Austrian line infantry, supported by hastily-armed citizens. Alsace-Lorraine is captured, denting the expected deficit and allowing resources to be spent on improving the French military and economy. It would be insanity to resist such an attack so the small Austrian infantry detachment wisely surrenders without a fight. Unfortunately, yet again, there is no battle to see here! I choose to peacefully occupy Strasbourg and immediately start the construction of basic roads, a cannon factory, a musket manufactory, and an iron mine, plus a cantonment to replace the local tax office. Until that’s all built I can’t actually recruit any more soldiers, cavalry, or artillery (as I’m ignoring France existing). So avoiding a battle is boring but the troops I have are priceless! The people of Alsace-Lorraine are unhappy under French rule, despite being Austrian for less time than it takes to read this sentence. Luckily I need to keep a large garrison here anyway to protect against my enemies to the east, and I also lower taxes a little to keep the region’s population and wealth growing, so the newly conquered population should be content for now. OK, so far this challenge seems ridiculously easy, I captured my first region immediately without a single casualty. What’s next? Aquitaine. Until very recently French, traded away to the Russian Empire. This is Aquitaine. Like Alsace-Lorraine it was part of the French Empire but quickly traded away, this time to Russia, and like Strasbourg an enemy force has magically popped into existence to guard the region’s capital. Unlike last time though there are no doom stacks waiting, ready to steamroll the city. What I do have is a random collection of units which originally guarded Bordeaux, Rennes, and Toulouse. A force of two companies of Chasseurs à Cheval (light cavalry) and two cohorts of the local National Guard is led by Captain Alexandre de Rosée, who waits for a company of Chevau-légers Lanciers (lancer cavalry) and another cohort of militia to reinforce him from Bretagne. Combined, this ragtag group of misfits should be enough to win against six battalions of Russian infantry squatting in Bordeaux. So attacking the city will need to wait until next turn, but before we move to Late January 1805 I have a few chores to do… The French Empire is leaps and bounds ahead of every other nation in research, but this has ground to a halt until a college can be acquired. One task is to think about researching new technologies. Most nations begin with all technologies locked, some are lucky to have already researched one or two when the game starts. France is luckiest of all with three technologies already researched: Army Corps Organisation, Conscription, and Division of Labour). Thanks to those earlier region trades the French now also understand Classical Economics), Fire and Advance), Improved Coppering), National Debt), and Public Schooling. Those technologies provide various small economic and military bonuses which will take any other nation at least 50 turns to research, so I’m at a significant advantage on turn 1. However with my self-imposed rule of ignoring the existence of France I cannot use Orléans to start researching any new technologies, instead I send my two gentlemen east towards the first region which will provide a college I can use. It will take more than 10 turns for François-René de Chateaubriand and Jean Rapp to reach their destination, in the meantime my enemies will have unlocked a new technology each, and I have to hope the college they’re travelling to will be controlled by the French Empire by the time they arrive! Charles-Louis Schulmeister, French spy extraordinaire, joins them on the journey. The French Council of State sees the appointment of a Keeper of the Seals, and new trade deals dent an expected deficit. One other job to do before ending the first turn is to review who is running things. My starting ministers all have decent stats except for 3 star Keeper of the Seals Claude Ambroise Régnier. I replace him with a string of candidates until one, Oliver Molyneux, arrives with the Stallholder trait which give him a total of 4 management stars. That one extra star means the cost of repressing unrest in my regions is 3% cheaper, and that repression now has a +1 bonus. Small benefits like that could make or break my game in the long run! Selling off all my regions severed all my trade routes. I reestablish all of them except the one with Spain, as I no longer have a sea or land connection with the Iberia Peninsula. Instead I create a trade agreement with the Electorate of Hesse-Kassel, worth 300 less gold than the Spanish agreement. Overall my trade income has dropped by 1,100 gold since I started this game, but at least I’m now only going to lose 2,880 in gold per turn! This is just a draft, it will be taken down when I post the finished thing on the total war subreddit. |
2024.05.19 18:00 Feisty_Tiger5047 Questions Regarding Conversion from Chapter 13 to Chapter 7
Hi!
So here is the situation. I filed for bankruptcy about 10 months ago. I was over median so was put into a chapter 13. It’s a non 100% plan. My monthly payment is $1450/month. Total debt was around $270,000.
I am paid on almost 100% commission. My salary was about $84k when I filed. 6 months later and my rolling 6 month income is now like $30k which puts me under median ($65k is the means test median here). I am at a point where I can’t make my payment.
The reason my income is lower is because work has been slow and my sales route changed. Is that a good enough reasoning?
I am wondering if this is grounds for conversion?
Consequences if I miss a payment? Should I try and not miss a payment, but still try and convert?
How long will the process take?
Will I be extra scrutinized because my debt is so high? $260k in personal loans and credit cards. Put loans into the stock market and lost it all (lawyer and trustee are aware).
We only have 1 Trustee in my state so it’ll by the same guy. Will he roast me and call it fraud because I’ve only been in my plan for 10 months?
I have a credit card with a zero balance ($2000 limit). Will I get in trouble for having it? Can I keep the card or will it be closed?
What documents will I have to provide? Will it be the same as when I filed for chapter 13? Are they similar in paperwork and preparation?
Will I have to pay another fee to file for chapter 7, or is it included in the chapter 13?
Any help is greatly appreciated. I’m panicking!
submitted by Feisty_Tiger5047 to Bankruptcy [link] [comments]
So here is the situation. I filed for bankruptcy about 10 months ago. I was over median so was put into a chapter 13. It’s a non 100% plan. My monthly payment is $1450/month. Total debt was around $270,000.
I am paid on almost 100% commission. My salary was about $84k when I filed. 6 months later and my rolling 6 month income is now like $30k which puts me under median ($65k is the means test median here). I am at a point where I can’t make my payment.
The reason my income is lower is because work has been slow and my sales route changed. Is that a good enough reasoning?
I am wondering if this is grounds for conversion?
Consequences if I miss a payment? Should I try and not miss a payment, but still try and convert?
How long will the process take?
Will I be extra scrutinized because my debt is so high? $260k in personal loans and credit cards. Put loans into the stock market and lost it all (lawyer and trustee are aware).
We only have 1 Trustee in my state so it’ll by the same guy. Will he roast me and call it fraud because I’ve only been in my plan for 10 months?
I have a credit card with a zero balance ($2000 limit). Will I get in trouble for having it? Can I keep the card or will it be closed?
What documents will I have to provide? Will it be the same as when I filed for chapter 13? Are they similar in paperwork and preparation?
Will I have to pay another fee to file for chapter 7, or is it included in the chapter 13?
Any help is greatly appreciated. I’m panicking!
2024.05.19 11:43 nikolakis7 Imperialism as understood by MLs is not a policy, and anti-imperialism isn't an abstract ethical stance
I want to do a little community service about a topic that I've noticed is often times confusing, especially for non-Marxists and right wingers, and is excaserbated by the vague way people on the left use the word imperialism.
The person who has popularised the term Imperialism in Marxist circles was Lenin, through his work Imperialism, the Highest Stage of Capitalism. Lenin was writing at a time which even bourgeois liberal economists (such as J.A Hobson) were referring to as "Imperialism", or the "Age of Imperialism" or "New Imperialism" which dates from seconf half of the 19th century until 1914, according to Brittanica. This is, as the contemporaries seemed to be aware, a new and unprecedented time of imperialism and colonial expansion.
We are not going to examine the matter from the vantage point of a ready-made definition to which reality will have to conform to. It is not the purpose of Lenins inquiry let alone to "redefine it" (which leaves open the question which "definition" came first and thus who is revising it). Lenin is describing the development of imperialism out of the laissez faire system of free and open competition of an earlier time
Taken together, imperialism for Leninists is not a capitalist policy, it is a stage of capitalism itself. One that actually is closer to socialism, which one can find some allusions to in chapter 10:
However, this still leaves the state and the control over this plan in the hands of the bourgeoise, or to be more concrete, the planning described above will be done by the financial technocrats at the Central Banks or organisations such as WEF. Monopoly in production also becomes a monopoly in planning production. There still remains the question of wrestling state power from these by the working class. The monopolists deciding our current policy do so for the benefit of their own systems, such as for the domination of US dollar globally or the proliferation of institutions like the EU or NATO and the planned opening of markets, especially financial markets, in neoliberal reforms that subject nations more directly by debt and into rentier status.
This crystalises itself more concretely into a set of geopolitical interests of the so called "imperial core" which are often completely alien to those of the working people. For example, the US involvement in the Middle East, a region very far away from the US is at the same time essential to prop up US monopolies in energy and oil, but has nothing to do with benefitting Americans. It is for this reason that the interest of the working class can also be expressed in the form of anti-imperialism.
Anti-Imperialism is not an abstract moral stance, neither is it merely opposition to injustice. It is resisting the monopoly bourgeoisie in their foreign interests which are essential to prop it up domestically (since as we have seen, a specific colonial policy is a crucial interest of the monopolies). It is in fact a single struggle. It is for this reason that you are not a consistent anti-imperialist if you support Palestine but also support Ukraine. This is because the same monopolists are propping up both Israel and Ukraine and both of these states fulfill the interest and end goal thereof. Thus Leninists can say what prima facie seems an absurdity and hypocrisy to liberals: that a country can expand its borders and still be anti-imperialist, there are anti-imperialist interventions and so forth.
With this I think I have cleared up what I wanted to say on the matter,
submitted by nikolakis7 to PoliticalDebate [link] [comments]
The person who has popularised the term Imperialism in Marxist circles was Lenin, through his work Imperialism, the Highest Stage of Capitalism. Lenin was writing at a time which even bourgeois liberal economists (such as J.A Hobson) were referring to as "Imperialism", or the "Age of Imperialism" or "New Imperialism" which dates from seconf half of the 19th century until 1914, according to Brittanica. This is, as the contemporaries seemed to be aware, a new and unprecedented time of imperialism and colonial expansion.
We are not going to examine the matter from the vantage point of a ready-made definition to which reality will have to conform to. It is not the purpose of Lenins inquiry let alone to "redefine it" (which leaves open the question which "definition" came first and thus who is revising it). Lenin is describing the development of imperialism out of the laissez faire system of free and open competition of an earlier time
Thus, the principal stages in the history of monopolies are the following: (1) 1860-70, the highest stage, the apex of development of free competition; monopoly is in the barely discernible, embryonic stage. (2) After the crisis of 1873, a lengthy period of development of cartels; but they are still the exception. They are not yet durable. They are still a transitory phenomenon. (3) The boom at the end of the nineteenth century and the crisis of 1900-03. Cartels become one of the foundations of the whole of economic life. Capitalism has been transformed into imperialism.In Chapter 7, we get the closest to a definition, after we have examined the matter in detail
If it were necessary to give the briefest possible definition of imperialism we should have to say that imperialism is the monopoly stage of capitalism. Such a definition would include what is most important, for, on the one hand, finance capital is the bank capital of a few very big monopolist banks, merged with the capital of the monopolist associations of industrialists; and, on the other hand, the division of the world is the transition from a colonial policy which has extended without hindrance to territories unseized by any capitalist power, to a colonial policy of monopolist possession of the territory of the world, which has been completely divided up.While the division of the world and a specific colonial policy (which together appear as a country expanding its colonial holdings, expanding its borders and conquering new markets) is a part of imperialism, the essence is, as ch10 describes, monopoly.
We have seen that in its economic essence imperialism is monopoly capitalism. This in itself determines its place in history, for monopoly that grows out of the soil of free competition, and precisely out of free competition, is the transition from the capitalist system to a higher socio-economic order.Thus, almost literally we can subsitute "Imperialism" for "monopoly capitalism", or even finance capitalism, as monopolie shave sprung from banks. There is no fight over definitions, as often is the case, when the right winger protests against using the Oxford dictionary. The Leninist understanding of imperialism does not spring from the dictionary, but from a concrete understanding of a concrete phenomenon. This is also why the demand to use a particular set of Merriam Webster definitions rings hollow, because for me it makes no difference whether we call this imperialism or monopoly capitalism, it is beyond the point being made. Neither is the point to force you to use our preferred terms. In some respects Lenins work was a condemnation of many of his contemporary Marxists, who were nowhere to be seen analysing the actual system they were living under and many of whom opportunistically sided with their national monopoly bourgeoisise in world war 1.
Taken together, imperialism for Leninists is not a capitalist policy, it is a stage of capitalism itself. One that actually is closer to socialism, which one can find some allusions to in chapter 10:
From all that has been said in this book on the economic essence of imperialism, it follows that we must define it as capitalism in transition, or, more precisely, as moribund capitalism. It is very instructive in this respect to note that bourgeois economists, in describing modern capitalism, frequently employ catchwords and phrases like “interlocking”, “absence of isolation”, etc.; “in conformity with their functions and course of development”, banks are “not purely private business enterprises: they are more and more outgrowing the sphere of purely private business regulation”. And this very Riesser, whose words I have just quoted, declares with all seriousness that the “prophecy” of the Marxists concerning “socialisation” has “not come true”!Thus, to sum up: imperialism isn't a policy or an activity states do, imperialism isn't described as some vice capitalism has a proclivity towards. Imperialism is monopoly capitalism in transition from anarchy in production to production under a certain definite plan.
If we imagine the development of those tendencies we have noted carried to their logical conclusion we will have: the money capital of the nation united in the banks; the banks themselves combined into cartels; the investment capital of the nation cast in the shape of securities. Then the forecast of that genius Saint-Simon will be fulfilled: ‘The present anarchy of production, which corresponds to the fact that economic relations are developing without uniform regulation, must make way for organisation in production. Production will no longer be directed by isolated manufacturers, independent of each other and ignorant of man’s economic needs; that will be done by a certain public institution.
However, this still leaves the state and the control over this plan in the hands of the bourgeoise, or to be more concrete, the planning described above will be done by the financial technocrats at the Central Banks or organisations such as WEF. Monopoly in production also becomes a monopoly in planning production. There still remains the question of wrestling state power from these by the working class. The monopolists deciding our current policy do so for the benefit of their own systems, such as for the domination of US dollar globally or the proliferation of institutions like the EU or NATO and the planned opening of markets, especially financial markets, in neoliberal reforms that subject nations more directly by debt and into rentier status.
This crystalises itself more concretely into a set of geopolitical interests of the so called "imperial core" which are often completely alien to those of the working people. For example, the US involvement in the Middle East, a region very far away from the US is at the same time essential to prop up US monopolies in energy and oil, but has nothing to do with benefitting Americans. It is for this reason that the interest of the working class can also be expressed in the form of anti-imperialism.
Anti-Imperialism is not an abstract moral stance, neither is it merely opposition to injustice. It is resisting the monopoly bourgeoisie in their foreign interests which are essential to prop it up domestically (since as we have seen, a specific colonial policy is a crucial interest of the monopolies). It is in fact a single struggle. It is for this reason that you are not a consistent anti-imperialist if you support Palestine but also support Ukraine. This is because the same monopolists are propping up both Israel and Ukraine and both of these states fulfill the interest and end goal thereof. Thus Leninists can say what prima facie seems an absurdity and hypocrisy to liberals: that a country can expand its borders and still be anti-imperialist, there are anti-imperialist interventions and so forth.
With this I think I have cleared up what I wanted to say on the matter,
2024.05.19 08:37 curiousdev30 “Enlisting in Air National Guard for IT/Cyber Jobs After Chapter 7 Bankruptcy: Can I Still Get a Secret/TS Clearance?”
Short info about me:
33y.o male Bachelors Degree in IT comptia A+ , Network+, Security+ certification
No actual experience in IT
Decent paying civilian job
My dillema: i filed for Chapter 7 bankruptcy back in 2020 because I couldn’t keep up with the payments and I was so st*pid I loaned some money from payday loans which just made it worst. I tried consolidating all the loans but it didnt worked out in the end. Fast forward to today, only debt i have is $30k in school debt and I’m making $5-7k a month in my current job. I am thinking about enlisting in the Air National Guard and getting jobs in IT and cyber to get an actual experience and get a security clearance. However, I’m getting mixed information on Reddit. Some people say Chapter 7 is a big red flag and will prevent me from getting secret/TS clearance. Please help me. I’m already scheduled for MEPS on June
submitted by curiousdev30 to AirForceRecruits [link] [comments]
33y.o male Bachelors Degree in IT comptia A+ , Network+, Security+ certification
No actual experience in IT
Decent paying civilian job
My dillema: i filed for Chapter 7 bankruptcy back in 2020 because I couldn’t keep up with the payments and I was so st*pid I loaned some money from payday loans which just made it worst. I tried consolidating all the loans but it didnt worked out in the end. Fast forward to today, only debt i have is $30k in school debt and I’m making $5-7k a month in my current job. I am thinking about enlisting in the Air National Guard and getting jobs in IT and cyber to get an actual experience and get a security clearance. However, I’m getting mixed information on Reddit. Some people say Chapter 7 is a big red flag and will prevent me from getting secret/TS clearance. Please help me. I’m already scheduled for MEPS on June
2024.05.19 07:35 Torre_Nera Experiment #025613 - My investment journey
Start date: May 15, 2024.
Total investment: € 9996.59.
Total current return: € ? (?%).
Total elapsed weeks: ?.
Next update: May 23, 2024.
End date: December 31, 2024.
Here is the .csv file:
submitted by Torre_Nera to investing_discussion [link] [comments]
Total investment: € 9996.59.
Total current return: € ? (?%).
Total elapsed weeks: ?.
Next update: May 23, 2024.
End date: December 31, 2024.
Here is the .csv file:
Broker ticker,YF ticker,Listing country,Name,Currency,Type,Exchange,Sector,Industry,Last date (YYYY-MM-DD),Last price,Last price (EUR),Purchase date (YYYY-MM-DD),Purchase price,Purchase price (EUR),Quantity,Total cost,Total cost (EUR),Stop loss,Stop loss (EUR) 4BB.L,4BB.L,GB,4basebio PLC,GBp,EQUITY,LSE,Healthcare,Biotechnology,2024-05-15,1410,16.4411112956747,2024-05-15,1410,16.4411112956747,6,8460,98.6466677740485,181.99237928413,2.12076386322516 ABBN.VX,ABBN.SW,CH,ABB Ltd,CHF,EQUITY,EBS,Industrials,Electrical Equipment & Parts,2024-05-15,48.2000007629395,49.2463076080989,2024-05-15,48.2000007629395,49.2463076080989,2,96.4000015258789,98.4926152161979,30.0463815309176,30.6219409984699 ACGL.O,ACGL,US,Arch Capital Group Ltd.,USD,EQUITY,NMS,Financial Services,Insurance - Diversified,2024-05-15,97.8700027465821,90.0003736957321,2024-05-15,97.8700027465821,90.0003736957321,1,97.8700027465821,90.0003736957321,57.6807854724479,53.0540366273465 ADMA.O,ADMA,US,"ADMA Biologics, Inc.",USD,EQUITY,NGM,Healthcare,Biotechnology,2024-05-15,9.10000038146973,8.36827845079613,2024-05-15,9.10000038146973,8.36827845079613,12,109.200004577637,100.419341409554,1.47446989649493,1.35619824268739 AET.L,AET.L,GB,Afentra plc,GBp,EQUITY,LSE,Energy,Oil & Gas E&P,2024-05-15,51.5999984741211,0.601674693453668,2024-05-15,51.5999984741211,0.601674693453668,166,8565.5997467041,99.8779991133089,17.2552084436733,0.201075576151617 ALDNX.PAR,ALDNX.PA,FR,DNXCorp SE,EUR,EQUITY,PAR,Communication Services,Internet Content & Information,2024-05-15,22,22,2024-05-15,22,22,5,110,110,11.1928169792181,11.1928169792181 ALLAN.PAR,ALLAN.PA,FR,Lanson-BCC,EUR,EQUITY,PAR,Consumer Defensive,Beverages - Wineries & Distilleries,2024-05-15,46.5999984741211,46.5999984741211,2024-05-15,46.5999984741211,46.5999984741211,2,93.1999969482422,93.1999969482422,33.9247673647968,33.9247673647968 ALLOG.PAR,ALLOG.PA,FR,Logic Instrument S.A.,EUR,EQUITY,PAR,Technology,Computer Hardware,2024-05-15,1.16499996185303,1.16499996185303,2024-05-15,1.16499996185303,1.16499996185303,86,100.18999671936,100.18999671936,0.369989265252377,0.369989265252377 AROC.N,AROC,US,"Archrock, Inc.",USD,EQUITY,NYQ,Energy,Oil & Gas Equipment & Services,2024-05-15,20,18.39182,2024-05-15,20,18.39182,5,100,91.9591,9.52721949298871,8.76301263579761 ARRWU.O,ARRWU,US,Arrowroot Acquisition Corp.,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-04-16,17,15.633047,2024-04-16,17,15.633047,6,102,93.798282,8.8489792646162,8.13917609086355 ARYD.O,ARYD,US,ARYA Sciences Acquisition Corp IV,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.3699998855591,10.4557495647612,2024-05-15,11.3699998855591,10.4557495647612,10,113.699998855591,104.557495647612,10.6225484108966,9.77048193521333 BA_.L,BA.L,GB,BAE Systems plc,GBp,EQUITY,LSE,Industrials,Aerospace & Defense,2024-05-15,1363,15.8930742524856,2024-05-15,1363,15.8930742524856,6,8178,95.3584455149135,816.219675877841,9.51143778582399 BDB.MI,BDB.MI,IT,Banco di Desio e della Brianza S.p.A.,EUR,EQUITY,MIL,Financial Services,Banks—Regional,2024-05-15,4.98000001907349,4.98000001907349,2024-05-15,4.98000001907349,4.98000001907349,20,99.6000003814697,99.6000003814697,3.15504560196379,3.15504560196379 BDT.TO,BDT.TO,CA,Bird Construction Inc.,CAD,EQUITY,TOR,Industrials,Engineering & Construction,2024-05-15,22.5100002288818,15.1999072001158,2024-05-15,22.5100002288818,15.1999072001158,7,157.570001602173,106.39935040081,7.03762236613261,4.74895717230204 BPE.MI,BPE.MI,IT,BPER Banca SpA,EUR,EQUITY,MIL,Financial Services,Banks—Regional,2024-05-15,5.01200008392334,5.01200008392334,2024-05-15,5.01200008392334,5.01200008392334,20,100.240001678467,100.240001678467,2.09752578063009,2.09752578063009 BPSO.MI,BPSO.MI,IT,Banca Popolare di Sondrio S.p.A,EUR,EQUITY,MIL,Financial Services,Banks—Regional,2024-05-15,8.1899995803833,8.1899995803833,2024-05-15,8.1899995803833,8.1899995803833,12,98.2799949645996,98.2799949645996,3.57230683027942,3.57230683027942 BRBR.N,BRBR,US,"BellRing Brands, Inc.",USD,EQUITY,NYQ,Consumer Defensive,Packaged Foods,2024-05-15,58.9000015258789,54.1639113031845,2024-05-15,58.9000015258789,54.1639113031845,2,117.800003051758,108.327822606369,29.9543368800174,27.5516096558606 CAMT.O,CAMT,US,Camtek Ltd.,USD,EQUITY,NGM,Technology,Semiconductor Equipment & Materials,2024-05-15,100.389999389648,92.3177399287262,2024-05-15,100.389999389648,92.3177399287262,1,100.389999389648,92.3177399287262,13.0355686283783,11.9899465619902 CECO.O,CECO,US,CECO Environmental Corp.,USD,EQUITY,NMS,Industrials,Pollution & Treatment Controls,2024-05-15,25.1200008392334,23.1001266917515,2024-05-15,25.1200008392334,23.1001266917515,4,100.480003356934,92.4005067670059,9.5891733627488,8.81999699980263 CEU.TO,CEU.TO,CA,CES Energy Solutions Corp.,CAD,EQUITY,TOR,Energy,Oil & Gas Equipment & Services,2024-05-15,6.88000011444092,4.64572910763949,2024-05-15,6.88000011444092,4.64572910763949,22,151.3600025177,102.206040368069,1.86502711047414,1.25851223780441 CHG.FRA,CHG.F,DE,CHAPTERS Group AG,EUR,EQUITY,FRA,Technology,Information Technology Services,2024-05-15,23.2000007629395,23.2000007629395,2024-05-15,23.2000007629395,23.2000007629395,4,92.8000030517578,92.8000030517578,9.6013365799341,9.6013365799341 CIRC.MI,CIRC.MI,IT,Circle S.p.A.,EUR,EQUITY,MIL,Technology,Information Technology Services,2024-05-15,6.8600001335144,6.8600001335144,2024-05-15,6.8600001335144,6.8600001335144,15,102.900002002716,102.900002002716,4.30242335652391,4.30242335652391 CLS.TO,CLS.TO,CA,Celestica Inc.,CAD,EQUITY,TOR,Technology,Electronic Components,2024-05-15,70.8000030517578,47.8077949894401,2024-05-15,70.8000030517578,47.8077949894401,2,141.600006103516,95.6155899788802,3.54000015258789,2.38877681125436 COH.PAR,COH.PA,FR,Coheris SA,EUR,EQUITY,PAR,Technology,Software—Application,2024-05-15,6.73999977111816,6.73999977111816,2024-05-15,6.73999977111816,6.73999977111816,15,101.099996566772,101.099996566772,2.88333012866946,2.88333012866946 COOL.O,COOL,US,Corner Growth Acquisition Corp.,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.3699998855591,10.4557495647612,2024-05-15,11.3699998855591,10.4557495647612,10,113.699998855591,104.557495647612,10.3322166375254,9.5034385443796 CPH.TO,CPH.TO,CA,Cipher Pharmaceuticals Inc.,CAD,EQUITY,TOR,Healthcare,Drug Manufacturers—Specialty & Generic,2024-05-15,8.78999996185303,5.93545901158012,2024-05-15,8.78999996185303,5.93545901158012,17,149.429999351501,100.902803196862,1.96204830367043,1.32398171987155 CPRT.O,CPRT,US,"Copart, Inc.",USD,EQUITY,NMS,Industrials,Specialty Business Services,2024-05-15,55.310001373291,50.8625794728661,2024-05-15,55.310001373291,50.8625794728661,2,110.620002746582,101.725158945732,35.3170907446316,32.4842009447324 CRS.N,CRS,US,Carpenter Technology Corporation,USD,EQUITY,NYQ,Industrials,Metal Fabrication,2024-05-15,109.550003051758,100.741196856369,2024-05-15,109.550003051758,100.741196856369,1,109.550003051758,100.741196856369,34.0476120260581,31.3165509226119 DIS.MI,DIS.MI,IT,d'Amico International Shipping S.A.,EUR,EQUITY,MIL,Industrials,Marine Shipping,2024-05-15,7.69999980926514,7.69999980926514,2024-05-15,7.69999980926514,7.69999980926514,13,100.099997520447,100.099997520447,1.48521744342503,1.48521744342503 DNG.TO,DNG.TO,CA,Dynacor Group Inc.,CAD,EQUITY,TOR,Basic Materials,Other Precious Metals & Mining,2024-05-15,5.42000007629395,3.65986216555364,2024-05-15,5.42000007629395,3.65986216555364,27,146.340002059937,98.8162784699483,2.73996555376442,1.8489169198717 DRX.TO,DRX.TO,CA,ADF Group Inc.,CAD,EQUITY,TOR,Industrials,Metal Fabrication,2024-05-15,16.3299999237061,11.0268538824693,2024-05-15,16.3299999237061,11.0268538824693,9,146.969999313355,99.2416849422234,0.816499996185303,0.550970670396969 E.TO,E.TO,CA,"Enterprise Group, Inc.",CAD,EQUITY,TOR,Energy,Oil & Gas Equipment & Services,2024-05-15,1.21000003814697,0.817054113947654,2024-05-15,1.21000003814697,0.817054113947654,122,147.620004653931,99.6806019016138,0.210420134172571,0.141990597589385 ENO.MC,ENO.MC,ES,"Elecnor, S.A.",EUR,EQUITY,MCE,Industrials,Infrastructure Operations,2024-05-15,21.2000007629395,21.2000007629395,2024-05-15,21.2000007629395,21.2000007629395,5,106.000003814697,106.000003814697,12.551528826266,12.551528826266 ENVI.AS,ENVI.AS,NL,Envipco Holding N.V.,EUR,EQUITY,AMS,Industrials,Pollution & Treatment Controls,2024-05-15,5.80000019073486,5.80000019073486,2024-05-15,5.80000019073486,5.80000019073486,17,98.6000032424927,98.6000032424927,1.67603432587419,1.67603432587419 EVISO.MI,EVISO.MI,IT,eVISO S.p.A.,EUR,EQUITY,MIL,Utilities,Utilities—Regulated Electric,2024-05-15,4.90999984741211,4.90999984741211,2024-05-15,4.90999984741211,4.90999984741211,20,98.1999969482422,98.1999969482422,1.86293823453707,1.86293823453707 FTC.L,FTC.L,GB,Filtronic plc,GBp,EQUITY,LSE,Technology,Communication Equipment,2024-05-15,58.5,0.682131213331186,2024-05-15,58.5,0.682131213331186,147,8599.5,100.273288359684,2.925,0.0340851321595671 GAMC.O,GAMC,US,Golden Arrow Merger Corp.,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.0299997329712,10.1430884844427,2024-05-15,11.0299997329712,10.1430884844427,10,110.299997329712,101.430884844427,10.1468770873948,9.33296563558359 IDR.MC,IDR.MC,ES,"Indra Sistemas, S.A.",EUR,EQUITY,MCE,Technology,Information Technology Services,2024-05-15,20.1200008392334,20.1200008392334,2024-05-15,20.1200008392334,20.1200008392334,5,100.600004196167,100.600004196167,10.8941912325836,10.8941912325836 IGIC.O,IGIC,US,International General Insurance Holdings Ltd.,USD,EQUITY,NCM,Financial Services,Insurance—Diversified,2024-05-15,14.6700000762939,13.4904000401592,2024-05-15,14.6700000762939,13.4904000401592,7,102.690000534058,94.4328002811146,9.30404677312841,8.55774126931546 III.L,III.L,GB,3i Group Ord,GBp,EQUITY,LSE,,,2024-05-15,2966,34.5846355340222,2024-05-15,2966,34.5846355340222,3,8898,103.753906602067,1447.85882812435,16.8719519675262 IQG.L,IQG.L,GB,IQGeo Group plc,GBp,EQUITY,LSE,Technology,Software—Application,2024-05-15,472,5.50369115713367,2024-05-15,472,5.50369115713367,18,8496,99.0664408284061,114.359449092067,1.33263484991398 IVN.TO,IVN.TO,CA,Ivanhoe Mines Ltd.,CAD,EQUITY,TOR,Basic Materials,Other Industrial Metals & Mining,2024-05-15,19.9300003051758,13.4577588652472,2024-05-15,19.9300003051758,13.4577588652472,7,139.51000213623,94.2043120567304,8.61605916585422,5.81407950639264 JAM.L,JAM.L,GB,JPMorgan American Ord,GBp,EQUITY,LSE,,,2024-05-15,987,11.5087779069723,2024-05-15,987,11.5087779069723,9,8883,103.579001162751,734.693023539479,8.56140471933505 KKR.N,KKR,US,KKR & Co. Inc.,USD,EQUITY,NYQ,Financial Services,Asset Management,2024-05-15,107.669998168945,99.0123612861786,2024-05-15,107.669998168945,99.0123612861786,1,107.669998168945,99.0123612861786,51.1494689660835,47.0466166119071 KMER.MI,KMER.MI,IT,KME Group S.p.A.,EUR,EQUITY,MIL,,,2024-05-15,1.55999994277954,1.55999994277954,2024-05-15,1.55999994277954,1.55999994277954,64,99.8399963378906,99.8399963378906,0.800465071994058,0.800465071994058 KRNL.O,KRNL,US,"Kernel Group Holdings, Inc.",USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,10.9200000762939,10.0419337901592,2024-05-15,10.9200000762939,10.0419337901592,10,109.200000762939,100.419337901592,10.269285944972,9.44555571146799 KURN.VX,KURN.SW,CH,Kuros Biosciences AG,CHF,EQUITY,EBS,Healthcare,Medical Devices,2024-05-15,8,8.17366088441458,2024-05-15,8,8.17366088441458,12,96,98.083930612975,0.530445807104744,0.540606867796476 L.TO,L.TO,CA,Loblaw Companies Limited,CAD,EQUITY,TOR,Consumer Defensive,Grocery Stores,2024-05-15,155.139999389648,104.758488217297,2024-05-15,155.139999389648,104.758488217297,1,155.139999389648,104.758488217297,108.795430497776,73.4146865370985 LDO.MI,LDO.MI,IT,Leonardo S.p.a.,EUR,EQUITY,MIL,Industrials,Aerospace & Defense,2024-05-15,22.5,22.5,2024-05-15,22.5,22.5,4,90,90,9.15905866550776,9.15905866550776 LMB.O,LMB,US,"Limbach Holdings, Inc.",USD,EQUITY,NCM,Industrials,Building Products & Equipment,2024-05-15,50.6599998474121,46.5864799196816,2024-05-15,50.6599998474121,46.5864799196816,2,101.319999694824,93.1729598393631,3.1283030409755,2.87737246914973 MEMS.EQ,MEMS.PA,FR,"MEMSCAP, S.A.",EUR,EQUITY,PAR,Technology,Semiconductor Equipment & Materials,2024-05-15,7.75,7.75,2024-05-15,7.75,7.75,13,100.75,100.75,1.24829618687214,1.24829618687214 MEPK.N,MER-PK,US,Merrill Lynch Capital Trust I GTD CAP 6.45%,USD,EQUITY,NYQ,,,2024-05-15,25.3899993896484,23.3484149287262,2024-05-15,25.3899993896484,23.3484149287262,4,101.559997558594,93.3936597149048,23.4660902117283,21.5838047175749 MIKN.VX,MIKN.SW,CH,Mikron Holding AG,CHF,EQUITY,EBS,Industrials,Specialty Industrial Machinery,2024-05-15,16.9500007629395,17.3179447783545,2024-05-15,16.9500007629395,17.3179447783545,6,101.700004577637,103.907668670127,10.1066015477761,10.3002005739888 MLI.N,MLI,US,"Mueller Industries, Inc.",USD,EQUITY,NYQ,Industrials,Metal Fabrication,2024-05-15,59.0800018310547,54.3294379638214,2024-05-15,59.0800018310547,54.3294379638214,2,118.160003662109,108.658875927643,28.864001244309,26.5487331124992 MOD.N,MOD,US,Modine Manufacturing Company,USD,EQUITY,NYQ,Consumer Cyclical,Auto Parts,2024-05-15,109.419998168945,100.621645536179,2024-05-15,109.419998168945,100.621645536179,1,109.419998168945,100.621645536179,5.47099990844727,5.03215459279099 MSI.L,MSI.L,GB,MS INTERNATIONAL plc,GBp,EQUITY,LSE,Industrials,Conglomerates,2024-05-15,995,11.6020608079407,2024-05-15,995,11.6020608079407,9,8955,104.418547271466,299.053984032638,3.48488703199915 NBST.O,NBST,US,Newbury Street Acquisition Corporation,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,10.8400001525879,9.96836658031845,2024-05-15,10.8400001525879,9.96836658031845,10,108.400001525879,99.6836658031845,10.203750702138,9.38527724706745 NGEX.TO,NGEX.TO,CA,NGEx Minerals Ltd.,CAD,EQUITY,TOR,Basic Materials,Other Industrial Metals & Mining,2024-05-15,9.57999992370606,6.46890752273802,2024-05-15,9.57999992370606,6.46890752273802,15,143.699998855591,97.0336128410703,0.478999996185303,0.323227128293172 OCAX.O,OCAX,US,OCA Acquisition Corp.,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.1750001907349,10.2764296003981,2024-05-15,11.1750001907349,10.2764296003981,10,111.750001907349,102.764296003981,10.3482390933432,9.51817579094888 OPXS.O,OPXS,US,"Optex Systems Holdings, Inc",USD,EQUITY,NCM,Industrials,Aerospace & Defense,2024-05-15,8.56999969482422,7.8808945893631,2024-05-15,8.56999969482422,7.8808945893631,13,111.409996032715,102.45162966172,1.37396433534202,1.26375453411123 OSG.N,OSG,US,"Overseas Shipholding Group, Inc.",USD,EQUITY,NYQ,Energy,Oil & Gas Midstream,2024-05-15,6.8899998664856,6.33598186722136,2024-05-15,6.8899998664856,6.33598186722136,16,110.23999786377,101.375709875542,3.08423975967902,2.83684363583589 PLMI.O,PLMI,US,Plum Acquisition Corp. I,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.1199998855591,10.2258518147612,2024-05-15,11.1199998855591,10.2258518147612,10,111.199998855591,102.258518147612,10.3122527077106,9.48507598126697 PMGM.O,PMGM,US,Priveterra Acquisition Corp. II,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.0500001907349,10.1614807253981,2024-05-15,11.0500001907349,10.1614807253981,10,110.500001907349,101.614807253981,10.4066804048251,9.57192934951286 PNL.L,PNL.L,GB,Personal Assets Ord,GBp,EQUITY,LSE,,,2024-05-15,490,5.7135776843125,2024-05-15,490,5.7135776843125,18,8820,102.844398317625,205.388023341194,2.39339416053909 PSH.L,PSH.L,GB,Pershing Square Holdings Ord,GBp,EQUITY,LSE,,,2024-05-15,4058,47.3177515162043,2024-05-15,4058,47.3177515162043,2,8116,94.6355030324087,2760.24210472501,32.1652023698986 PUB.EQ,PUB.PA,FR,Publicis Groupe S.A.,EUR,EQUITY,PAR,Communication Services,Advertising Agencies,2024-05-15,106.150001525879,106.150001525879,2024-05-15,106.150001525879,106.150001525879,1,106.150001525879,106.150001525879,62.7854557332542,62.7854557332542 PUCK.O,PUCK,US,Goal Acquisitions Corp.,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,10.8500003814697,9.97756270079613,2024-05-15,10.8500003814697,9.97756270079613,10,108.500003814697,99.7756270079613,10.2216440084575,9.40173527760708 PWS.MI,PWS.MI,IT,Powersoft S.p.A.,EUR,EQUITY,MIL,Technology,Consumer Electronics,2024-05-15,16.2000007629395,16.2000007629395,2024-05-15,16.2000007629395,16.2000007629395,6,97.2000045776367,97.2000045776367,3.72774791732638,3.72774791732638 QDRO.O,QDRO,US,Quadro Acquisition One Corp.,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.0500001907349,10.1614807253981,2024-05-15,11.0500001907349,10.1614807253981,10,110.500001907349,101.614807253981,10.2946317689515,9.46886847086858 RDNT.O,RDNT,US,"RadNet, Inc.",USD,EQUITY,NGM,Healthcare,Diagnostics & Research,2024-05-15,58.2400016784668,53.556981383503,2024-05-15,58.2400016784668,53.556981383503,2,116.480003356934,107.113962767006,19.3818445183282,17.8271686239796 REAX.O,REAX,US,The Real Brokerage Inc.,USD,EQUITY,NCM,Real Estate,Real Estate Services,2024-05-15,5,4.597955,2024-05-15,5,4.597955,22,110,101.15501,0.25,0.22994675 RNWH.L,RNWH.L,GB,Renew Holdings plc,GBp,EQUITY,LSE,Industrials,Engineering & Construction,2024-05-15,1054,12.2900222025824,2024-05-15,1054,12.2900222025824,8,8432,98.3201776206592,681.809806634346,7.94515465532326 RR.FRA,RRU.F,DE,Rolls-Royce Holdings plc,EUR,EQUITY,FRA,Industrials,Aerospace & Defense,2024-05-15,4.94899988174439,4.94899988174439,2024-05-15,4.94899988174439,4.94899988174439,20,98.9799976348877,98.9799976348877,1.15474766444009,1.15474766444009 SAB.MC,SAB.MC,ES,"Banco de Sabadell, S.A.",EUR,EQUITY,MCE,Financial Services,Banks—Diversified,2024-05-15,1.90400004386902,1.90400004386902,2024-05-15,1.90400004386902,1.90400004386902,53,100.912002325058,100.912002325058,0.770675500087932,0.770675500087932 SLAM.O,SLAM,US,Slam Corp.,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,11.0500001907349,10.1614807253981,2024-05-15,11.0500001907349,10.1614807253981,10,110.500001907349,101.614807253981,10.3152097299573,9.48779581188824 SMHN.EQ,SMHN.F,DE,SÜSS MicroTec SE,EUR,EQUITY,FRA,Technology,Semiconductor Equipment & Materials,2024-05-15,51.2999992370606,51.2999992370606,2024-05-15,51.2999992370606,51.2999992370606,2,102.599998474121,102.599998474121,12.952163633103,12.952163633103 SOL.MI,SOL.MI,IT,SOL S.p.A.,EUR,EQUITY,MIL,Basic Materials,Specialty Chemicals,2024-05-15,33.7000007629395,33.7000007629395,2024-05-15,33.7000007629395,33.7000007629395,3,101.100002288818,101.100002288818,20.3776094280299,20.3776094280299 SPIE.EQ,SPIE.PA,FR,SPIE SA,EUR,EQUITY,PAR,Industrials,Engineering & Construction,2024-05-15,36.2200012207031,36.2200012207031,2024-05-15,36.2200012207031,36.2200012207031,3,108.660003662109,108.660003662109,24.4525122007507,24.4525122007507 TAYD.O,TAYD,US,"Taylor Devices, Inc.",USD,EQUITY,NCM,Industrials,Specialty Industrial Machinery,2024-05-15,51.3800010681152,47.2485865622292,2024-05-15,51.3800010681152,47.2485865622292,2,102.76000213623,94.4971731244583,5.60221111549934,5.15284095529179 TDW.N,TDW,US,Tidewater Inc.,USD,EQUITY,NYQ,Energy,Oil & Gas Equipment & Services,2024-05-15,108.110000610352,99.4169835712738,2024-05-15,108.110000610352,99.4169835712738,1,108.110000610352,99.4169835712738,8.89739581168513,8.18370900144243 TRD.L,TRD.L,GB,Triad Group plc,GBp,EQUITY,LSE,Technology,Information Technology Services,2024-05-15,277,3.22992044602972,2024-05-15,277,3.22992044602972,31,8587,100.127533826921,79.9188268645001,0.931297017338134 TRMD.O,TRMD,US,TORM plc,USD,EQUITY,NMS,Energy,Oil & Gas Midstream,2024-05-15,38.0400009155273,34.9812424819107,2024-05-15,38.0400009155273,34.9812424819107,3,114.120002746582,104.943727445732,15.7437186157142,14.4808677143919 TVK.TO,TVK.TO,CA,TerraVest Industries Inc.,CAD,EQUITY,TOR,Energy,Oil & Gas Equipment & Services,2024-05-15,78.879997253418,53.26382167953,2024-05-15,78.879997253418,53.26382167953,2,157.759994506836,106.52764335906,11.8947657049186,8.02653651594938 TWLV.O,TWLV,US,Twelve Seas Investment Company II,USD,EQUITY,NCM,Financial Services,Shell Companies,2024-05-15,10.8000001907349,9.93158297539806,2024-05-15,10.8000001907349,9.93158297539806,10,108.000001907349,99.3158297539806,10.1645252912436,9.34919822405708 UCG.MI,UCG.MI,IT,UniCredit S.p.A.,EUR,EQUITY,MIL,Financial Services,Banks—Regional,2024-05-15,36.2799987792969,36.2799987792969,2024-05-15,36.2799987792969,36.2799987792969,3,108.839996337891,108.839996337891,12.8251828408082,12.8251828408082 UNI.MI,UNI.MI,IT,Unipol Gruppo S.p.A.,EUR,EQUITY,MIL,Financial Services,Insurance—Diversified,2024-05-15,8.90499973297119,8.90499973297119,2024-05-15,8.90499973297119,8.90499973297119,11,97.9549970626831,97.9549970626831,4.53438024653025,4.53438024653025 URB.TO,URB.TO,CA,Urbana Corporation,CAD,EQUITY,TOR,Financial Services,Asset Management,2024-05-15,5.48000001907349,3.70037720566862,2024-05-15,5.48000001907349,3.70037720566862,27,147.960000514984,99.9101845530527,4.01565374986276,2.70974580401818 USAP.O,USAP,US,"Universal Stainless & Alloy Products, Inc.",USD,EQUITY,NMS,Basic Materials,Steel,2024-05-15,33.7299995422363,31.0178040090447,2024-05-15,33.7299995422363,31.0178040090447,3,101.189998626709,93.0534120271339,4.8737430358326,4.48280548569936 VCTR.O,VCTR,US,"Victory Capital Holdings, Inc.",USD,EQUITY,NMS,Financial Services,Asset Management,2024-05-15,52.1399993896484,47.9474741787262,2024-05-15,52.1399993896484,47.9474741787262,2,104.279998779297,95.8949483574524,27.0128366318881,24.8460559671344 VIL.EQ,VIL.PA,FR,"VIEL & Cie, société anonyme",EUR,EQUITY,PAR,Financial Services,Capital Markets,2024-05-15,10.75,10.75,2024-05-15,10.75,10.75,9,96.75,96.75,6.6231134232085,6.6231134232085 VIRC.O,VIRC,US,Virco Mfg. Corporation,USD,EQUITY,NGM,Consumer Cyclical,"Furnishings, Fixtures & Appliances",2024-05-15,12.539999961853,11.5316711049204,2024-05-15,12.539999961853,11.5316711049204,9,112.859999656677,103.785039944284,3.04456100600394,2.80034763402935 VRRM.O,VRRM,US,Verra Mobility Corporation,USD,EQUITY,NCM,Industrials,Infrastructure Operations,2024-05-15,27.3700008392334,25.1692064417515,2024-05-15,27.3700008392334,25.1692064417515,4,109.480003356934,100.676825767006,16.7701237135648,15.4249417801286 VRT.N,VRT,US,Vertiv Holdings Co,USD,EQUITY,NYQ,Industrials,Electrical Equipment & Parts,2024-05-15,104.599998474121,96.1892171968155,2024-05-15,104.599998474121,96.1892171968155,1,104.599998474121,96.1892171968155,5.22999992370606,4.81048593982583 W7L.L,W7L.L,GB,Warpaint London PLC,GBp,EQUITY,LSE,Consumer Defensive,Household & Personal Products,2024-05-15,485,5.65527587120727,2024-05-15,485,5.65527587120727,18,8730,101.794965681731,135.801416078837,1.58249887675333 WBDR.MI,WBDR.MI,IT,Webuild S.p.A.,EUR,EQUITY,MIL,Industrials,Engineering & Construction,2024-05-15,12,12,2024-05-15,12,12,8,96,96,4.99051752358873,4.99051752358873 X.TO,X.TO,CA,TMX Group Limited,CAD,EQUITY,TOR,Financial Services,Financial Data & Stock Exchanges,2024-05-15,36.4900016784668,24.6399215284378,2024-05-15,36.4900016784668,24.6399215284378,4,145.960006713867,98.559686113751,26.7457532329108,18.0479187481398 XPO.N,XPO,US,"XPO, Inc.",USD,EQUITY,NYQ,Industrials,Trucking,2024-05-15,114.059997558594,104.888547214905,2024-05-15,114.059997558594,104.888547214905,1,114.059997558594,104.888547214905,39.8781619915872,36.679414983756 XPS.L,XPS.L,GB,XPS Pensions Group plc,GBp,EQUITY,LSE,Consumer Cyclical,Personal Services,2024-05-15,262,3.05501500671403,2024-05-15,262,3.05501500671403,33,8646,100.815495221563,159.626440432165,1.86013275839029 YU_.L,YU.L,GB,Yü Group PLC,GBp,EQUITY,LSE,Utilities,Utilities—Diversified,2024-05-15,1735,20.2307291475147,2024-05-15,1735,20.2307291475147,5,8675,101.153645737573,86.75,1.01090092815126 ZYE1.FRA,ZYE1.F,DE,Addiko Bank AG,EUR,EQUITY,FRA,Financial Services,Banks—Regional,2024-05-15,18.7999992370605,18.7999992370605,2024-05-15,18.7999992370605,18.7999992370605,5,93.9999961853027,93.9999961853027,11.4772920878681,11.4772920878681 MINIMUM,,,,,,,,,,,0.601674693453668,,,0.601674693453668,1,,90,,0.0340851321595671 MAXIMUM,,,,,,,,,,,106.150001525879,,,106.150001525879,166,,110,,73.4146865370985 MEDIAN,,,,,,,,,,,12.1450111012912,,,12.1450111012912,8,,100.214999198914,,8.08285630340646 AVERAGE,,,,,,,,,,,26.0156541478769,,,26.0156541478769,14.55,,99.965850856796,,10.7737737301551 TOTAL,,,,,,,,,,,2601.56541478769,,,2601.56541478769,1455,,9996.5850856796,,1077.37737301551
2024.05.19 05:12 Onlyingreen What this name of this hostess club manga?
I saw it maybe 15 years ago. I think there was a girl in deep debt that decided to be a hostess. She spent a day as a hostess and then decided to become the best hostess. I far as I can tell, it wasnt dirty. And it was seinen. It was set in modern day Japan .
Any clue what the name may be? I dont think more than one or two chapters were translates 16 yrs ago but maybe its been updated
submitted by Onlyingreen to manga [link] [comments]
Any clue what the name may be? I dont think more than one or two chapters were translates 16 yrs ago but maybe its been updated
2024.05.19 04:16 edgiscript [F4M] Mafia Dog - Part 6 of 7 [Confronting Your Yandere] [Sneaking Into The Mission] [Supporting Mom]
Note: Bio of sorts: An Introduction To The Book That Is Me :
Note: Library: Masterlist for edgiscript :
Part 5: [F4M] Mafia Dog - Part 5 of 7 [Military Operation] [Discussion: Cap Or Iron Man?] [Rescuing Mom] [Vigilante Justice] [Working In The Shadows] :
Carissa: Ok, I’ve received the next set of instructions. I’m heading that way now. Did you receive them, Jane?
Jane: (On coms.) Yeah, Mom, we got it. It looks like they’re taking you out to the docks. I wonder if they’ve got a boat ready for you. That might cause a problem backing you up.
Carissa: I trust you. We prepared for that possibility.
Jane: (On coms.) I know but….
Carissa: Jane? JANE! Damn it. They’ve cut off our communications somehow.
(Beep or tone.)
And now they’re changing my directions. They knew I’d try to have backup. I’ll give you this, Francine. You’re good at this.
Well, there’s nothing else for it. I’m on my own.
(Suddenly startled.) What the? Puppy!?! You were hiding in the ammo bag? Damn it, Puppy, I told you that you weren’t allowed to accompany me on this one. It’s too dangerous.
(Pause.)
(Upset.) I don’t care, Puppy. I know we’ve prepared, but this is a calculated risk. Do you understand, Puppy. A RISK! I’m intentionally walking into a trap. That means I’m very aware this could all blow up in my face. I’m willing to take that risk on my own. I WASN’T… I wasn’t willing to lose you too, Puppy.
(Concerned.) How do you think Jane’s going to react when she finds out you came with me?
(Pause.)
(Upset.) SHE WHAT!?! She agreed to this? She even helped distract me so I wouldn’t notice you? Jane, you are in so much…
(Pause as she’s interrupted by Puppy.)
(Irritated.) No, Puppy. She’s not getting out of this. I’m going to kick her ass when we get back. Let’s just hope we both get through this alive so that I can do that.
(Pause.)
(Irritated but understanding.) Yes, I’m upset. But I’m not upset with how much you care. The reason why we accepted you on the team is because you care so deeply about all of us. Thank you, Puppy. I mean it. I’m still furious with you, but… thank you.
Well, since you’re here now, you might as well climb into the front seat. You can talk with me as we drive.
(Pause.)
I love you too, Puppy, but you can’t just defy my orders like that. I said you couldn’t come for a reason. You’re not trained for this type of thing.
(Suddenly upset.) Damn it! Damn it, damn it, damn it, damn it, DAMN IT!
(Pause.)
No. I’m sorry, Puppy. I keep fluctuating between being glad you’re here and wishing you weren’t. I should just stop and dump you out right now, but if I do that, Francine will suspect something’s up. And I’d probably have to knock you out in order to get you out of the car.
(Pause.)
(Amused.) Don’t smile at that. You… (Chuckles.) Wow, Puppy, how do you do it? How do you make me want to laugh at a time like this. You really are something.
So, tell me. Why did you, and apparently Jane as well, think it was a good idea to come with me?
(Pause.)
That’s the plan. Francine should be there personally for a one-on-one.
(Pause.)
(Annoyed.) Puppy, we’ve discussed this. We don’t know that that’s Francine’s true motivation. You really think she’s your yandere? That she’s so obsessed with getting you back that it will keep her from hurting me because she might hurt you as well?
(Pause.)
Even if that’s true, and I’m not saying it is, even if she is obsessing over you to that degree, wouldn’t it mean that she’ll want to kill me even more since I’m the one protecting you right now?
(Pause.)
Yeah, you hadn’t thought of that. Oh well. You’re here now. I guess we’ll find out which one of us is correct. Right before we’re both gunned down, one of us can look at the other with an “I told you so” smirk.
(Pause as Carissa laughs in a way that says she can’t believe the direction this night has taken.)
(Amused and conciliatory.) Oh, brother. You are something, Puppy. No matter what happens tonight, I’m glad you’re with me.
(Pause.)
Yes, I guess that would make you my Samwise Gamgee. Alright, so what’s the plan?
(Pause.)
You’re just my ace-in-the-hole if things start looking sour? Ok. Who knows. I might need it.
(Beep or tone.)
And it looks like we’re here.
(If you were using optional car sounds, they end now as the car is shut off. Pause as Puppy speaks.)
(Hushed tones as some nerves are setting in.) You recognize this place? We had marked this location as one that we suspected she was using as a drop off point for human trafficking, but we were never able to verify it.
(Pause.)
Watchtowers? There and there. Ok, I see them. Thanks. That is a help.
Whoa! Yeah, they’re here, all right. They’re lighting us up. They’re trying to blind us, keep us from seeing their true numbers.
Puppy, lay your seat back. I’m going to throw the empty ammo bag over you. I don’t want Francine to know just yet that you’re here. Someone’s approaching. I think it’s her.
(Pause. Phone rings.)
(Conversation with Francine is cool, calculated, and professional.) Hello, Francine. Looking well, I see.
(Pause.)
Exit my car so I can step into the line of sight from your snipers unprotected? No thanks. I’ll stay right here for now, thank you very much.
(Pause.)
Yes, I’m well aware of the terms we established for this meeting. And since you’ve already broken them by not coming alone, tell me why should I trust you not to break the rest of them?
(Pause.)
Look, you can talk about civilities and honor among thieves and all of that crap for as long as you want, Francine. At the end of the day, you’re the criminal, and I’m the one trying to stop you. Now why did you request this meeting?
(Pause.)
Yeah, I suppose I’m a criminal too. The cops do want me. They want to know all about what I’ve been doing to stop people like you. So, I’ll tell you what. I’ll turn myself in.
(Pause.)
No, I’m serious. It’s a genuine offer. You want me to stop hunting you and I want you to stop hurting people. We can easily both get what we want. We’ll end all of this right now.
I will let the Feds know everything about what I’ve done and what I’ve been doing, and in return, you have to come with me and confess to all of your secrets as well. We’ll both go in together and share everything we know.
You can tell them about your kidnapping people for a profit and about your drug running activities. You can supply the Feds with information about your dealers and where your captives end up once you’ve sold them.
(Carissa slows down and becomes a little more direct.) And… you can tell them all about one certain individual we picked up on one of our raids who was hidden behind a secret wall. You can tell them about all of the injuries he had sustained. You can tell them all about how you enjoyed beating his body and crushing his spirit.
(Pause.)
And why would I give you that information?
(Pause.)
Of course, I know where he is. Answer the question. What makes him so valuable to you?
(Pause.)
Well then, I guess we have nothing further to discuss.
(Hangs up.)
(Hushed tones.) My God, Puppy. She’s going ballistic.
(Pause.)
(Still hushed.) Yes, that’s her pounding on the glass and shrieking. Just mentioning you caused her to hysterically lose control. I’m going to say it right now before the bullets start to fly. You were right.
(Phone ringing.)
(Back to being calculated and professional.) You have something else you wish to add, Francine? I thought we were done here.
(Pause.)
My, my. Such vitriol for me over just one person. What about the others whose lives you’ve destroyed? What about…?
(Pause as she’s interrupted by Francine’s hysterics.)
Francine, calm down. I can’t understand what you’re saying.
(Pause.)
No, I’m not going to give him back to you.
(Pause.)
Wow. You certainly did come prepared. I daresay those rockets would pretty much make this car a smoldering heap and destroy everything in it.
(Whispering.) Ok, Puppy, it’s time to pull out the ace.
(Speaking normally.) Everything.
(Hangs up. Pause.)
(To Puppy.) That’s right. She’s figuring out it’s really you. She’s telling everyone to hold their fire.
(Pause.)
Well, Puppy, I’m going to say it again. You were right. She is losing it.
(Pause.)
(Firmly.) No, whatever you do, do not listen to her demands and set foot out of this car. Remaining where you are is the only thing keeping both of us alive right now. We have to wait until…
(Sound of distant muffled bullet fire or explosives.)
Until Mike and Ronnie get here.
Jane: (Returns on coms.) Carissa! Mom, can you hear me?
Carissa: I hear you, Jane.
Jane: Oh, thank God. Whatever was blocking us just disappeared. I take it that means Ronnie and Mike have located you.
Carissa: That’s right. They’ve eliminated the threat. Completely. It worked, Jane. Francine is dead. If you’re in contact with them right now, tell them to try to leave some of her minions alive if they can. We need information on where they sent their captives if we have any hope of retrieving them.
Jane: Roger that. And, Mom. Is… is…
Carissa: Puppy’s fine, Jane. But you and I are going to have a little talk when I get back. And Jane?
Jane: Yes, Mom?
Carissa: Thank you.
Jane: Yes, Mom.
(Disconnects.)
Carissa: (Appreciative.) Well, Puppy, it looks like I have to thank you too. Disobeying my orders may have saved my life. It gave me those few extra seconds for Mike and Ronnie to get into position.
(Pause.)
Puppy, you don’t owe me anything much less everything.
(Pause.)
Yeah, I did save your life, didn’t I. Well, now I’d say that debt has been repaid. Come on. I think it’s time we get back.
(Optional car starting back up and driving noises begin again. Pause as Puppy talks.)
(Resolute.) Oh, no. No way am I letting her off the hook. Jane’s still in trouble. She’s going to have to face the consequences of her actions. You both are.
(Sneakily loving with a slight grin.) I was thinking that a suitable punishment would be a suspension for the both of you. I think two weeks would be appropriate. You both wouldn’t be allowed to set foot in the base during that time so you’d have to find someplace else to go, say… maybe Hawaii? I know Jane has always wanted to see it.
(Pause.)
(Surprised.) Whoa there, Puppy. No hugging the driver. We got out of this alive. Let’s not ruin that by getting into a car accident now.
(Pause.)
Yes, Puppy, I love you too. You’ve become a big part of all of our lives. Now just sit back and relax. The front car seat has to be more comfortable than hiding in the bag.
(Pause.)
Well, we’ve still got a lot more work to do in dismantling Francine’s operation, and organized crime in the area hasn’t stopped with her. We’re not exactly disbanding now that Francine’s gone. But for your part, I think that this chapter in your life is over. You can rest now, Puppy. You’ve earned it.
Final chapter: [FF4M] Mafia Dog - Part 7 of 7 [Newly Married] [Wedding Reception Toast] [Wedding Gift] [Key To Old Chains] : ASMRScriptHaven (reddit.com)
submitted by edgiscript to ASMRScriptHaven [link] [comments]
Note: Library: Masterlist for edgiscript :
Part 5: [F4M] Mafia Dog - Part 5 of 7 [Military Operation] [Discussion: Cap Or Iron Man?] [Rescuing Mom] [Vigilante Justice] [Working In The Shadows] :
Part 6
Note: Optional driving sounds as Carissa is in a car.Carissa: Ok, I’ve received the next set of instructions. I’m heading that way now. Did you receive them, Jane?
Jane: (On coms.) Yeah, Mom, we got it. It looks like they’re taking you out to the docks. I wonder if they’ve got a boat ready for you. That might cause a problem backing you up.
Carissa: I trust you. We prepared for that possibility.
Jane: (On coms.) I know but….
Carissa: Jane? JANE! Damn it. They’ve cut off our communications somehow.
(Beep or tone.)
And now they’re changing my directions. They knew I’d try to have backup. I’ll give you this, Francine. You’re good at this.
Well, there’s nothing else for it. I’m on my own.
(Suddenly startled.) What the? Puppy!?! You were hiding in the ammo bag? Damn it, Puppy, I told you that you weren’t allowed to accompany me on this one. It’s too dangerous.
(Pause.)
(Upset.) I don’t care, Puppy. I know we’ve prepared, but this is a calculated risk. Do you understand, Puppy. A RISK! I’m intentionally walking into a trap. That means I’m very aware this could all blow up in my face. I’m willing to take that risk on my own. I WASN’T… I wasn’t willing to lose you too, Puppy.
(Concerned.) How do you think Jane’s going to react when she finds out you came with me?
(Pause.)
(Upset.) SHE WHAT!?! She agreed to this? She even helped distract me so I wouldn’t notice you? Jane, you are in so much…
(Pause as she’s interrupted by Puppy.)
(Irritated.) No, Puppy. She’s not getting out of this. I’m going to kick her ass when we get back. Let’s just hope we both get through this alive so that I can do that.
(Pause.)
(Irritated but understanding.) Yes, I’m upset. But I’m not upset with how much you care. The reason why we accepted you on the team is because you care so deeply about all of us. Thank you, Puppy. I mean it. I’m still furious with you, but… thank you.
Well, since you’re here now, you might as well climb into the front seat. You can talk with me as we drive.
(Pause.)
I love you too, Puppy, but you can’t just defy my orders like that. I said you couldn’t come for a reason. You’re not trained for this type of thing.
(Suddenly upset.) Damn it! Damn it, damn it, damn it, damn it, DAMN IT!
(Pause.)
No. I’m sorry, Puppy. I keep fluctuating between being glad you’re here and wishing you weren’t. I should just stop and dump you out right now, but if I do that, Francine will suspect something’s up. And I’d probably have to knock you out in order to get you out of the car.
(Pause.)
(Amused.) Don’t smile at that. You… (Chuckles.) Wow, Puppy, how do you do it? How do you make me want to laugh at a time like this. You really are something.
So, tell me. Why did you, and apparently Jane as well, think it was a good idea to come with me?
(Pause.)
That’s the plan. Francine should be there personally for a one-on-one.
(Pause.)
(Annoyed.) Puppy, we’ve discussed this. We don’t know that that’s Francine’s true motivation. You really think she’s your yandere? That she’s so obsessed with getting you back that it will keep her from hurting me because she might hurt you as well?
(Pause.)
Even if that’s true, and I’m not saying it is, even if she is obsessing over you to that degree, wouldn’t it mean that she’ll want to kill me even more since I’m the one protecting you right now?
(Pause.)
Yeah, you hadn’t thought of that. Oh well. You’re here now. I guess we’ll find out which one of us is correct. Right before we’re both gunned down, one of us can look at the other with an “I told you so” smirk.
(Pause as Carissa laughs in a way that says she can’t believe the direction this night has taken.)
(Amused and conciliatory.) Oh, brother. You are something, Puppy. No matter what happens tonight, I’m glad you’re with me.
(Pause.)
Yes, I guess that would make you my Samwise Gamgee. Alright, so what’s the plan?
(Pause.)
You’re just my ace-in-the-hole if things start looking sour? Ok. Who knows. I might need it.
(Beep or tone.)
And it looks like we’re here.
(If you were using optional car sounds, they end now as the car is shut off. Pause as Puppy speaks.)
(Hushed tones as some nerves are setting in.) You recognize this place? We had marked this location as one that we suspected she was using as a drop off point for human trafficking, but we were never able to verify it.
(Pause.)
Watchtowers? There and there. Ok, I see them. Thanks. That is a help.
Whoa! Yeah, they’re here, all right. They’re lighting us up. They’re trying to blind us, keep us from seeing their true numbers.
Puppy, lay your seat back. I’m going to throw the empty ammo bag over you. I don’t want Francine to know just yet that you’re here. Someone’s approaching. I think it’s her.
(Pause. Phone rings.)
(Conversation with Francine is cool, calculated, and professional.) Hello, Francine. Looking well, I see.
(Pause.)
Exit my car so I can step into the line of sight from your snipers unprotected? No thanks. I’ll stay right here for now, thank you very much.
(Pause.)
Yes, I’m well aware of the terms we established for this meeting. And since you’ve already broken them by not coming alone, tell me why should I trust you not to break the rest of them?
(Pause.)
Look, you can talk about civilities and honor among thieves and all of that crap for as long as you want, Francine. At the end of the day, you’re the criminal, and I’m the one trying to stop you. Now why did you request this meeting?
(Pause.)
Yeah, I suppose I’m a criminal too. The cops do want me. They want to know all about what I’ve been doing to stop people like you. So, I’ll tell you what. I’ll turn myself in.
(Pause.)
No, I’m serious. It’s a genuine offer. You want me to stop hunting you and I want you to stop hurting people. We can easily both get what we want. We’ll end all of this right now.
I will let the Feds know everything about what I’ve done and what I’ve been doing, and in return, you have to come with me and confess to all of your secrets as well. We’ll both go in together and share everything we know.
You can tell them about your kidnapping people for a profit and about your drug running activities. You can supply the Feds with information about your dealers and where your captives end up once you’ve sold them.
(Carissa slows down and becomes a little more direct.) And… you can tell them all about one certain individual we picked up on one of our raids who was hidden behind a secret wall. You can tell them about all of the injuries he had sustained. You can tell them all about how you enjoyed beating his body and crushing his spirit.
(Pause.)
And why would I give you that information?
(Pause.)
Of course, I know where he is. Answer the question. What makes him so valuable to you?
(Pause.)
Well then, I guess we have nothing further to discuss.
(Hangs up.)
(Hushed tones.) My God, Puppy. She’s going ballistic.
(Pause.)
(Still hushed.) Yes, that’s her pounding on the glass and shrieking. Just mentioning you caused her to hysterically lose control. I’m going to say it right now before the bullets start to fly. You were right.
(Phone ringing.)
(Back to being calculated and professional.) You have something else you wish to add, Francine? I thought we were done here.
(Pause.)
My, my. Such vitriol for me over just one person. What about the others whose lives you’ve destroyed? What about…?
(Pause as she’s interrupted by Francine’s hysterics.)
Francine, calm down. I can’t understand what you’re saying.
(Pause.)
No, I’m not going to give him back to you.
(Pause.)
Wow. You certainly did come prepared. I daresay those rockets would pretty much make this car a smoldering heap and destroy everything in it.
(Whispering.) Ok, Puppy, it’s time to pull out the ace.
(Speaking normally.) Everything.
(Hangs up. Pause.)
(To Puppy.) That’s right. She’s figuring out it’s really you. She’s telling everyone to hold their fire.
(Pause.)
Well, Puppy, I’m going to say it again. You were right. She is losing it.
(Pause.)
(Firmly.) No, whatever you do, do not listen to her demands and set foot out of this car. Remaining where you are is the only thing keeping both of us alive right now. We have to wait until…
(Sound of distant muffled bullet fire or explosives.)
Until Mike and Ronnie get here.
Jane: (Returns on coms.) Carissa! Mom, can you hear me?
Carissa: I hear you, Jane.
Jane: Oh, thank God. Whatever was blocking us just disappeared. I take it that means Ronnie and Mike have located you.
Carissa: That’s right. They’ve eliminated the threat. Completely. It worked, Jane. Francine is dead. If you’re in contact with them right now, tell them to try to leave some of her minions alive if they can. We need information on where they sent their captives if we have any hope of retrieving them.
Jane: Roger that. And, Mom. Is… is…
Carissa: Puppy’s fine, Jane. But you and I are going to have a little talk when I get back. And Jane?
Jane: Yes, Mom?
Carissa: Thank you.
Jane: Yes, Mom.
(Disconnects.)
Carissa: (Appreciative.) Well, Puppy, it looks like I have to thank you too. Disobeying my orders may have saved my life. It gave me those few extra seconds for Mike and Ronnie to get into position.
(Pause.)
Puppy, you don’t owe me anything much less everything.
(Pause.)
Yeah, I did save your life, didn’t I. Well, now I’d say that debt has been repaid. Come on. I think it’s time we get back.
(Optional car starting back up and driving noises begin again. Pause as Puppy talks.)
(Resolute.) Oh, no. No way am I letting her off the hook. Jane’s still in trouble. She’s going to have to face the consequences of her actions. You both are.
(Sneakily loving with a slight grin.) I was thinking that a suitable punishment would be a suspension for the both of you. I think two weeks would be appropriate. You both wouldn’t be allowed to set foot in the base during that time so you’d have to find someplace else to go, say… maybe Hawaii? I know Jane has always wanted to see it.
(Pause.)
(Surprised.) Whoa there, Puppy. No hugging the driver. We got out of this alive. Let’s not ruin that by getting into a car accident now.
(Pause.)
Yes, Puppy, I love you too. You’ve become a big part of all of our lives. Now just sit back and relax. The front car seat has to be more comfortable than hiding in the bag.
(Pause.)
Well, we’ve still got a lot more work to do in dismantling Francine’s operation, and organized crime in the area hasn’t stopped with her. We’re not exactly disbanding now that Francine’s gone. But for your part, I think that this chapter in your life is over. You can rest now, Puppy. You’ve earned it.
Final chapter: [FF4M] Mafia Dog - Part 7 of 7 [Newly Married] [Wedding Reception Toast] [Wedding Gift] [Key To Old Chains] : ASMRScriptHaven (reddit.com)
2024.05.19 02:24 Infamous_Regret3583 Need help. Can medical bills be added to chapter 13 if insurance company is demanding provider to pay back overpayments dated before the filing date?
This is a rather unique situation. Im in the middle of a chapter 13. Converted to a 13 in march. My confirmation will be in July.
In 2019 I left my DOD civilian job. Due to a technicality, I could not terminate my coverage with my insurance. Someone somewhere in HR needed to send a form to the insurance provider letting them know to terminate my coverage. So the insurance carrier kept paying bills even after years of telling them not to pay. They knew what was going on. It was out of their hands. Out of mine. Trust me it's a cluster***k.
Fast forward to 2023, they finally terminate my coverage. They have guaranteed me they will not come after me for the overpayments based on the fact that I did everything I could to tell them not to pay the bills. I even told my medical providers not to bill them. To bill my current insurance. The insurance even sent me a letter I am not liable for the overpayments. That's great!
So now they're going after the providers to pay them back. im being copied on the letters to my medical providers demanding payment. So now that has me concerned, because providers can also turn around and ask me to pay them back.
So assuming the medical providers want me to pay them, can the debts be added to my case? I know the debt did not exist pre-filing, but the service dates are all before the filing date.
TLDR: Can medical overpayments from service dates before filing bankruptcy be added to my chapter 13 case since the debt did not technically exist when I filed?
submitted by Infamous_Regret3583 to Bankruptcy [link] [comments]
In 2019 I left my DOD civilian job. Due to a technicality, I could not terminate my coverage with my insurance. Someone somewhere in HR needed to send a form to the insurance provider letting them know to terminate my coverage. So the insurance carrier kept paying bills even after years of telling them not to pay. They knew what was going on. It was out of their hands. Out of mine. Trust me it's a cluster***k.
Fast forward to 2023, they finally terminate my coverage. They have guaranteed me they will not come after me for the overpayments based on the fact that I did everything I could to tell them not to pay the bills. I even told my medical providers not to bill them. To bill my current insurance. The insurance even sent me a letter I am not liable for the overpayments. That's great!
So now they're going after the providers to pay them back. im being copied on the letters to my medical providers demanding payment. So now that has me concerned, because providers can also turn around and ask me to pay them back.
So assuming the medical providers want me to pay them, can the debts be added to my case? I know the debt did not exist pre-filing, but the service dates are all before the filing date.
TLDR: Can medical overpayments from service dates before filing bankruptcy be added to my chapter 13 case since the debt did not technically exist when I filed?
2024.05.18 23:38 Silver_Shock Chapter 13 vs. Calling creditors 1 by 1 and trying to negotiate
Good afternoon everyone,
So…I had my consultation with my attorney yesterday and was told that I wouldn’t qualify for a Chapter 7 based on a piece of property I inherited when my mom passed away (1/4 of the house I’m renting)
I was kinda expecting that and after going over everything, he was able to guesstimate my monthly payments at $708 for 36 or $400-something if I did the 5 year payment plan
I like the idea of it being over as soon as possible me so I would probably opt for the shorter timeframe
This is for approximately $64,000 in unsecured debt (credit cards and a small personal loan)
But last night I got to thinking, if I’m going to have a monthly payment anyway, would it be worth the effort to try and call each of the credit card companies 1 at a time and saying “ I can not make my payments anymore and have retained a lawyer and begun bankruptcy proceedings. I would prefer not to go this route and am able to pay $200 for the next 24 months. Would you be willing to close and settle my account instead of me going forward with the bankruptcy proceedings?’
I could do that with one of the credit cards that has $15,000 on it and just make that phone call to multiple credit card companies.
Is there any logic to that thinking?
I feel like they would rather get something than be guaranteed nothing and from what I’m reading online, a settlement doesn’t hit your credit for as long as a BK would.
Part of me thinks it’s a great idea, or worth a try at least, and part of me feels like they would eat me alive within 15 seconds of that phone call.
Has anyone had any success trying to settle their own debts?
submitted by Silver_Shock to Bankruptcy [link] [comments]
So…I had my consultation with my attorney yesterday and was told that I wouldn’t qualify for a Chapter 7 based on a piece of property I inherited when my mom passed away (1/4 of the house I’m renting)
I was kinda expecting that and after going over everything, he was able to guesstimate my monthly payments at $708 for 36 or $400-something if I did the 5 year payment plan
I like the idea of it being over as soon as possible me so I would probably opt for the shorter timeframe
This is for approximately $64,000 in unsecured debt (credit cards and a small personal loan)
But last night I got to thinking, if I’m going to have a monthly payment anyway, would it be worth the effort to try and call each of the credit card companies 1 at a time and saying “ I can not make my payments anymore and have retained a lawyer and begun bankruptcy proceedings. I would prefer not to go this route and am able to pay $200 for the next 24 months. Would you be willing to close and settle my account instead of me going forward with the bankruptcy proceedings?’
I could do that with one of the credit cards that has $15,000 on it and just make that phone call to multiple credit card companies.
Is there any logic to that thinking?
I feel like they would rather get something than be guaranteed nothing and from what I’m reading online, a settlement doesn’t hit your credit for as long as a BK would.
Part of me thinks it’s a great idea, or worth a try at least, and part of me feels like they would eat me alive within 15 seconds of that phone call.
Has anyone had any success trying to settle their own debts?
2024.05.18 19:50 felipojuano It's funny to see how books look in "inappropriate" reading fonts
 | submitted by felipojuano to ereader [link] [comments] |
2024.05.18 18:16 crimsonwings7 An imaginative ode to magical girl manga: A Magical Girl Retires by Park Seolyeon
 | Cover by Kim Sanho submitted by crimsonwings7 to MagicalGirlsCommunity [link] [comments] "When is the proper age to shed the moniker 'girl'? Do you stop being one with your first period? Are you an adult once you grow taller than 160 centimeters? When lots of adults don't reach that height anyway? And is it not true that all of our girlhoods are different, not just in terms of physical growth, but in the growth of our hearts and minds?"I mostly lurk in here, but I simply can't pass up an opportunity to share a Korean magical girl novella that is recently translated into English and released last April, which might be right up some of your alleys. I'm surprised this hasn't been introduced here sooner! A Magical Girl Retires follows a depressed millennial Korean woman who is drowning in credit card debt after losing her job during the pandemic. She is about to end her life when Ah Roa, the Clairvoyant Magical Girl, interrupts her attempt and, knowing her destiny as a magical girl, introduces her to a magical girl union that she's part of to help her get started on her new role. This said union has been searching for the greatest magical girl of all time, who will be vital in ending a long-standing threat—not a monster or a galactic war, but global climate change—and Roa thinks that the heroine, despite her low self-esteem and inability to land a decent job, may be the chosen one. Pros:
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2024.05.18 16:55 MisfortunateFortune Should I file chapter 7?
I (M, 29) am looking into filing chapter 7 bankruptcy. I feel I'm in an inescapable pit due to a combination of my own decisions and circumstances. I suppose that's true of everyone.
I was laid off from a job a few years ago that paid too poorly for me to have savings. I had maxed out credit cards while trying to stay afloat. I started a new job, rebuilt a bit, and then moved to a city where I've met the love of my life.
Things were rough but manageable, and I was happy. I then began struggling with a sleep disorder called idiopathic hypersomnia. I have narcolepsy or another neurological dysfunction. I was unable to complete full shifts and began losing income and performing poorly. I was unmedicated for several months, and this severely impacted my income and personal life.
I applied for short-term disability through my employer's insurance program. I was told by my employer that partial disability wasn't covered, but then told by the insurance company that it was. They gave me a lump sum payment for the time I was unable to work, and I used this to pay bills and rent right away. I asked how taxes were handled and was told there would be a deduction and that I could select a percentage to hold as well. I held the minimum recommended amount since there was the additional deduction.
I was then laid off along with my entire department. I applied for unemployment but didn't receive it for several months while the state investigated my income due to the disability payment received. They also wanted to be certain I could still work.
During this time, I received my W2s for my former work and for the disability payment. The disability w2 showed around $3000 more income than I had received, which was listed as 'deduction' on the paperwork from the insurance company. I assumed and was told this was for taxes, but I now was being taxed for the $3000 deduction, and would not be receiving it.
I called and was told they'd investigate, and then received a call from my former employer asking why I received a partial disability payment and that it wasn't standard. I double-checked the policy and found it was included, but I haven't heard back regarding the deduction other than a statement that it was 'part of the policy'. I've asked for clarification on what the deduction was for and how I can be taxed for it if I haven't received it, and was told it's standard policy and that I had agreed to that by using their insurance.
So I now owe income tax for an additional $3000 of income, as well as income tax for something I thought was already covered. I owe several thousand in taxes, in addition to having several thousand in credit debts and a restructurement loan since I had to rely on these cards while waiting for unemployment and food stamps.
It took around 150 applications and 4 months to land a new job. My new job pays around the same as my old, but I am not making enough to be able to pay the taxes in time, while still paying all of my debts, while still paying rent.
I want to marry my girlfriend. I love her dearly. I'm almost 30. Bankruptcy wouldn'tfall off until 40. Could I ever get a home in that time? Would that impact her if we get married?
I don't have money to fight this weird legal battle with these insurance companies, and the companies that hold my debts (not yet in collections) are completely inflexible about payments. I don't qualify for any kind of financial assistance due to my income.
I feel like I'm drowning, and bankruptcy seems like a horribly double-edged sword.
For the first time in my life I have something so precious, I want a family and have never felt this way before, but I don't want to ruin her life with all of these problems. I don't know what to do.
I have around $20,000 in debt for loans and cards, and owe another $4000 for taxes.
I make $78,000/year before taxes and insurance, realistically around $4000/month. My rent is $2200 after utilities and parking. My car is $350/month with insurance. Internet is $80/month. Phone bill is $100/month. My dog is around $100/month. Groceries and household items are around $400/month. I'm regularly paying insurance copays for various tests and treatments at $40/visit. My medication at any point in time could start costing $900 or more per bottle if the coupons I'm using suddenly disappear or stop working. I need maintenance done on my car. I'm always late on rent because of this cycle and timing, so I'm always paying an extra $200 for rent.
It feels like there's no end. How long do I have before I get thrown in jail because I was told I had taxes set aside and didn't? I applied for a 180-day payment deferral on the IRS site, but time is ticking and I can't save money, and that doesn't deal with the state taxes owed. I'm constantly bombarded with calls from the debt collectors for the credit card payments I'm juggling every month, and being eaten alive by late fees and interest.
I've sold a bunch of my belongings to try and make some cash back. I took a risk and bought options contracts and profited, but that's too risky and terrifying to be a consistent strategy.
I don't know what the right decisions are, and I do not have friends or family to turn to. The only person I have is my girlfriend, and she can tell I'm always stressed and struggling because of these things. I would never ask her for money, and know that she wouldn't be able to provide significant help with her income. And again, I don't want her finances to be impacted long term because of my stupidity and misfortune.
I know I should get legal assistance with some of these issues, but that's significantly more money than I can find right now. Is there a way out of this, or should I be filing bankruptcy?
tl;dr
I was given a lump-sum short term disability payment, and was told some was deducted for taxes. The amount deducted was instead for 'policy', and I now owe that amount in taxes plus tax for that amount as income. I do not have money for legal services.
I have significant debt, and it's impossible to manage while juggling rent and bills. I am running out of time to pay the taxes I owe.
I want to marry my girlfriend. I want to live in a small home with a yard with her. Can I buy a house with a bankruptcy? Will my bankruptcy damage her finances and credit if we marry? Should I even be filing bankruptcy? What are my options?
submitted by MisfortunateFortune to personalfinance [link] [comments]
I was laid off from a job a few years ago that paid too poorly for me to have savings. I had maxed out credit cards while trying to stay afloat. I started a new job, rebuilt a bit, and then moved to a city where I've met the love of my life.
Things were rough but manageable, and I was happy. I then began struggling with a sleep disorder called idiopathic hypersomnia. I have narcolepsy or another neurological dysfunction. I was unable to complete full shifts and began losing income and performing poorly. I was unmedicated for several months, and this severely impacted my income and personal life.
I applied for short-term disability through my employer's insurance program. I was told by my employer that partial disability wasn't covered, but then told by the insurance company that it was. They gave me a lump sum payment for the time I was unable to work, and I used this to pay bills and rent right away. I asked how taxes were handled and was told there would be a deduction and that I could select a percentage to hold as well. I held the minimum recommended amount since there was the additional deduction.
I was then laid off along with my entire department. I applied for unemployment but didn't receive it for several months while the state investigated my income due to the disability payment received. They also wanted to be certain I could still work.
During this time, I received my W2s for my former work and for the disability payment. The disability w2 showed around $3000 more income than I had received, which was listed as 'deduction' on the paperwork from the insurance company. I assumed and was told this was for taxes, but I now was being taxed for the $3000 deduction, and would not be receiving it.
I called and was told they'd investigate, and then received a call from my former employer asking why I received a partial disability payment and that it wasn't standard. I double-checked the policy and found it was included, but I haven't heard back regarding the deduction other than a statement that it was 'part of the policy'. I've asked for clarification on what the deduction was for and how I can be taxed for it if I haven't received it, and was told it's standard policy and that I had agreed to that by using their insurance.
So I now owe income tax for an additional $3000 of income, as well as income tax for something I thought was already covered. I owe several thousand in taxes, in addition to having several thousand in credit debts and a restructurement loan since I had to rely on these cards while waiting for unemployment and food stamps.
It took around 150 applications and 4 months to land a new job. My new job pays around the same as my old, but I am not making enough to be able to pay the taxes in time, while still paying all of my debts, while still paying rent.
I want to marry my girlfriend. I love her dearly. I'm almost 30. Bankruptcy wouldn'tfall off until 40. Could I ever get a home in that time? Would that impact her if we get married?
I don't have money to fight this weird legal battle with these insurance companies, and the companies that hold my debts (not yet in collections) are completely inflexible about payments. I don't qualify for any kind of financial assistance due to my income.
I feel like I'm drowning, and bankruptcy seems like a horribly double-edged sword.
For the first time in my life I have something so precious, I want a family and have never felt this way before, but I don't want to ruin her life with all of these problems. I don't know what to do.
I have around $20,000 in debt for loans and cards, and owe another $4000 for taxes.
I make $78,000/year before taxes and insurance, realistically around $4000/month. My rent is $2200 after utilities and parking. My car is $350/month with insurance. Internet is $80/month. Phone bill is $100/month. My dog is around $100/month. Groceries and household items are around $400/month. I'm regularly paying insurance copays for various tests and treatments at $40/visit. My medication at any point in time could start costing $900 or more per bottle if the coupons I'm using suddenly disappear or stop working. I need maintenance done on my car. I'm always late on rent because of this cycle and timing, so I'm always paying an extra $200 for rent.
It feels like there's no end. How long do I have before I get thrown in jail because I was told I had taxes set aside and didn't? I applied for a 180-day payment deferral on the IRS site, but time is ticking and I can't save money, and that doesn't deal with the state taxes owed. I'm constantly bombarded with calls from the debt collectors for the credit card payments I'm juggling every month, and being eaten alive by late fees and interest.
I've sold a bunch of my belongings to try and make some cash back. I took a risk and bought options contracts and profited, but that's too risky and terrifying to be a consistent strategy.
I don't know what the right decisions are, and I do not have friends or family to turn to. The only person I have is my girlfriend, and she can tell I'm always stressed and struggling because of these things. I would never ask her for money, and know that she wouldn't be able to provide significant help with her income. And again, I don't want her finances to be impacted long term because of my stupidity and misfortune.
I know I should get legal assistance with some of these issues, but that's significantly more money than I can find right now. Is there a way out of this, or should I be filing bankruptcy?
tl;dr
I was given a lump-sum short term disability payment, and was told some was deducted for taxes. The amount deducted was instead for 'policy', and I now owe that amount in taxes plus tax for that amount as income. I do not have money for legal services.
I have significant debt, and it's impossible to manage while juggling rent and bills. I am running out of time to pay the taxes I owe.
I want to marry my girlfriend. I want to live in a small home with a yard with her. Can I buy a house with a bankruptcy? Will my bankruptcy damage her finances and credit if we marry? Should I even be filing bankruptcy? What are my options?
2024.05.18 13:25 milk_jesus [Complete] [147k] [Fantasy, Mystery, Hero's Journey] Saltgrave
Hi guys. I have completed my full novel and done a couple of editing passes myself. I currently have about 25 copies sent out to friends & family but am looking for more critical feedback from the perspective of writers and people knowledgeable about writing.
Here is my blurb:
Deep in the Dreadmarsh, a council of scheming Waymen grip the city of Brymouth Bhree in wicked plots, and a shortage of Lantern Oil threatens to let the ever present warpfog spill into the city.
Astrid Saltgrave, teamaster and heir to a cursed lineage, embarks on a perilous expedition into the mysterious southern swamps of Dreadmarsh to settle a great debt. But as her journey intertwines with sinister schemes, ancient faerie secrets, and forbidden eldritch knowledge, Astrid must confront the horrors of life in Dreadmarsh.
Meanwhile, her father Cyrus, a Witch War veteran, seeks redemption while navigating Brymouth Bhree's deadly political arena - for the sake of his daughter's future. In an effort to escape his Elder Faerie Promises, he binds himself only further into debts, and a new governor in town takes a special interest in him.
I will provide a link to my prologue + first 2 chapters, and if you would like to provide feedback on that it would be much appreciated. And then, if you'd like to continue the story and provide more feedback on further chapters we can organise it in DM. Open to doing feedback trades as well. Cheers!
https://docs.google.com/document/d/1oNs8eJK_R1-1p4tBeIERaLVEI--4C7xI4TUVmzG4pyY/edit?usp=sharing
The doc has comments enabled so feel free to add some if you like!
submitted by milk_jesus to BetaReaders [link] [comments]
Here is my blurb:
Deep in the Dreadmarsh, a council of scheming Waymen grip the city of Brymouth Bhree in wicked plots, and a shortage of Lantern Oil threatens to let the ever present warpfog spill into the city.
Astrid Saltgrave, teamaster and heir to a cursed lineage, embarks on a perilous expedition into the mysterious southern swamps of Dreadmarsh to settle a great debt. But as her journey intertwines with sinister schemes, ancient faerie secrets, and forbidden eldritch knowledge, Astrid must confront the horrors of life in Dreadmarsh.
Meanwhile, her father Cyrus, a Witch War veteran, seeks redemption while navigating Brymouth Bhree's deadly political arena - for the sake of his daughter's future. In an effort to escape his Elder Faerie Promises, he binds himself only further into debts, and a new governor in town takes a special interest in him.
I will provide a link to my prologue + first 2 chapters, and if you would like to provide feedback on that it would be much appreciated. And then, if you'd like to continue the story and provide more feedback on further chapters we can organise it in DM. Open to doing feedback trades as well. Cheers!
https://docs.google.com/document/d/1oNs8eJK_R1-1p4tBeIERaLVEI--4C7xI4TUVmzG4pyY/edit?usp=sharing
The doc has comments enabled so feel free to add some if you like!
2024.05.18 10:07 spunchy M&B 2024 Lecture 1: The Four Prices of Money
 | For our schedule and links to other discussions, see the Money and Banking 2024 master post. submitted by spunchy to moneyview [link] [comments] This is the discussion thread for Economics of Money and Banking Lecture 1: The Four Prices of Money. This lecture provides context for the course and introduces us to Perry Mehrling's "Money View" framework. We practice using the balance sheet (T-account) as an analytical tool to help us understand the machinery of money, banking, and finance. NOTE: The videos in this lecture have been arranged out of chronological order, so Mehrling sometimes refers back to something he hasn't talked about yet. Part 1: The Big PictureThis course represents a challenge to Fischer Black's assertion we don't need a theory of money separate from the theory of finance. Black abstracts away from liquidity by assuming that perfect liquidity is free and happens automatically. By contrast, Mehrling insists that central banks have a role in managing the liquidity problems that financial markets naturally encounter.Grounded in permanent, uncontroversial features of money, the Money View framework provides an ideologically neutral language and toolkit for discussing and analyzing money. Globalization, technology, and the forces of politics continually reshape the monetary landscape. But the underlying nature of money and banking remains constant. We start with the question of financial globalization. In the decade-plus since he delivered these lectures, Mehrling has further integrated the international monetary system into his Money View. His 2022 book, Money and Empire: Charles P. Kindleberger and the Dollar System tells the story of how the US dollar found itself at the center of that system. Global money has its own terminology. In particular, the term capital flow describes any cross-border flow of money not associated with the purchase or sale of goods and services. Whenever they happen to cross national borders, lending, borrowing, and the purchase and sale of financial assets, all represent capital flows. When I borrow abroad or sell financial assets, money flows toward me. That's a capital inflow. When I lend abroad or buy financial assets, that's a capital outflow. In the lecture, Mehrling shares a list of his intellectual predecessors in the American and UK Banking traditions. Notably, he leaves off John Hicks, whose ideas, especially from his 1989 book "A Market Theory of Money," are central to the intellectual development of the Money View. We will discuss a few chapters from that book in the coming weeks. Part 2: Prerequisites?This course doesn't use much math. And you don't need an economics background to get something out of the material. If you're familiar with other ways of thinking about money and banking (and finance), these lectures will eventually connect up with those perspectives.Instead of using conventional approaches for teaching Money and Banking by first applying theory, Mehrling builds out his Money View framework from an examination of banking practice. What model of the world do bankers need to have in their heads in order to stay in business? Part 3: What is a Bank, a Shadow Bank, A Central Bank?Here is the stylized balance sheet of a prototypical bank.https://preview.redd.it/gt7d8qk8651d1.png?width=281&format=png&auto=webp&s=deadb0e839c3fe7d8617d8216071a21e64ffc1a1 Assets are always on the left side of the balance sheet, and liabilities are always on the right. The difference in value between assets and liabilities is net worth. Unlike other entries on the liability side of the balance sheet, net worth doesn't represent a commitment to pay a specific amount of money. Instead, we can think of net worth as an IOU to the bank owners for what's left over after all the bank's debts have been paid. On the asset side of its balance sheet, the bank keeps a reserve of money available to settle immediate payment obligations. This reserve is monetary liquidity. As long as the bank has reserves it can spend down (0 < Reserves), it can meet its payment obligations. The bank is liquid. Without reserves, the bank would always have to receive money at the exact instant it needs to pay it out. We will often use the terms money and cash to refer to the settlement instrument—that which can be spent directly to settle payment commitments. The settlement instrument will only ever appear on a balance sheet as an asset. The same instrument that serves as money for one entity may appear as a liability on the balance sheet of another entity, the issuer, but it is not money to the issuer. It is credit. The term reserves refers to any reserve of money held as an asset. Above, I have emphasized the bank's reserves by italicizing and bolding the balance-sheet entry. I will follow the convention throughout the course of highlighting money as the settlement instrument. Assets other than cash (money) represent promised or expected cash inflows. Liabilities represent commitments for future cash outflows. The balance-sheet structure alone does not describe the time pattern of these cash flows. Nor does it tell us about market liquidity, funding liquidity, or even the regulatory constraints on reserves. It is hard to see liquidity by looking at a balance sheet alone. A balance sheet is solvent if its net worth—assets less liabilities—is greater than zero. However, there is no single correct way to determine the price of assets. Should we add up the total promised cash flows implied by the assets? Should we discount those cash flows based on how far into the future they occur? Should we weight them based on risk of default? When should we ignore all that and mark to market? That is, when does it make the most sense to value assets based on the price we could sell them for right now? Solvency is often a matter of appearance, whereas liquidity imposes an actual constraint. If you can't make a payment, you're dead. Continued operation depends on liquidity, not solvency. Let's look at two side-by-side balance sheets to see what happens when someone deposits cash in a bank. https://preview.redd.it/nzakihfc651d1.png?width=780&format=png&auto=webp&s=430587d285c5bb0eeae1036e0b706bcc3455d353 On these balance sheets, "cash" refers to coins and notes—the physical currency you might keep in your wallet. For the depositor, both cash and bank deposits are money. For the bank, only the cash is money. We can also show this transaction using payment arrows. https://preview.redd.it/ybyopq6e651d1.png?width=338&format=png&auto=webp&s=c377ad6ccb9a8ec7c0bd897c4fd915dd220eafbd Following Borja Clavero's color-coding convention, I've shaded the creation of deposits green to denote payment by issuance. I've shaded the transfer of cash yellow to denote payment by assignment. In this transaction, the bank issues new deposits to buy cash from the depositor. The cash moves from the depositor to the bank. In terms of quadruple-entry accounting, we call it an asset intermediation because the depositor ends up holding an IOU for cash instead of the cash itself. When the central bank issues new money, it expands its balance sheet on both sides, just like a private commercial bank. https://preview.redd.it/uzljjhth651d1.png?width=795&format=png&auto=webp&s=97ab3698ea4ab6436c8968690f3683ed3eef4d93 The central bank is a bank. It's just not correct to say that the central bank is printing money. It's expanding both sides of the balance sheet at the same time. —LectureOn these balance sheets, the word "reserves" refers to the deposit liabilities of the central bank. We call them reserves because the private banking sector uses these central bank deposits as its settlement reserve. The term "reserves" can mean at least two different things:
But there are a few key differences not captured by the balance sheets:
https://preview.redd.it/u710uojk651d1.png?width=822&format=png&auto=webp&s=87c659964567bcbdfaa22cabb7868bc678946749 The payment of cash to the central bank is shaded red to denote payment by set-off. The reserve issuance is, again, payment by issuance. These two payments, taken together as a transaction, constitute a refinance operation. The commercial bank shifts the form of its money reserve from one central-bank liability to another. https://preview.redd.it/pcf3416m651d1.png?width=338&format=png&auto=webp&s=245d783727a0cb78558fbfcf130cd84bc1d58bb9 A shadow bank is like a bank, but its assets and liabilities are both market-based instruments. It borrows from the market and lends to the market. Shadow banking is money-market funding of capital-market lending. —Perry MehrlingThe money market is the market for very short-term borrowing, often overnight. A borrower can use the money market in two different ways.
The capital market is the market for trading long-term securities such as stocks and bonds. https://preview.redd.it/stlwdwtp651d1.png?width=553&format=png&auto=webp&s=3a982e14f6c92eea2f657ebe10f31cebd3da7029 Notice that there is no money (cash reserve) on the balance sheet of this stylized shadow bank. In real life, shadow banking occurs on the balance sheets of entities that do have some kind of cash reserve. But for the shadow banking activity itself, liquidity is less about cash reserves and more about the ability to roll over short-term money-market funding. Traditional banking leans more on monetary liquidity (reserve assets), but both types of banking rely heavily on funding liquidity and market liquidity. Part 4: Central Themes?Two key ideas:
Mehrling has a 2015 blog post, Why is money difficult?, that describes some of the motivation for explaining money. It covers some of the same ground as Warsaw Lecture 1. In my teaching, I have come to appreciate a variety of barriers that people bring with them to the study of money, and to appreciate the necessity of bringing these barriers up to consciousness as part of the process of learning. —Perry Mehrling, Why is money difficult?We can summarize the "alchemy of banking" as: All banking is a swap of IOUs. —Perry MehrlingDepending on how we define "banking" and "swap of IOUs," the above statement might be true or not. For example, one might reasonably suggest that simply taking cash deposits is a "banking activity" that does not constitute a "swap of IOUs." Nevertheless, "swap of IOUs" captures something important about banking. Banks predominately lend through a mutual obligation with borrowers. https://preview.redd.it/f9ck1bmu651d1.png?width=338&format=png&auto=webp&s=e5184582513346893e3f243ac2c313f190899d42 Both the bank and the borrower expand their balance sheet on both sides. https://preview.redd.it/sy0mj2by651d1.png?width=783&format=png&auto=webp&s=032ce9676499e27172a209623a5c0ca8e8704757 Each party now owes the other something. And it holds the other's liabilities as assets. The deposit is the bank's debt to the borrower. The loan is the borrower's debt to the bank. The bank's deposit liabilities are special because the borrower can spend them as money. The bank deposits are money to the borrower. The borrower generally can't spend its own debt directly. It must exchange its own liabilities for bank liabilities. Imagine that I want to pay you money to buy some goods. If I have money, it just works. https://preview.redd.it/9ofq8qq1751d1.png?width=338&format=png&auto=webp&s=aeaa2dcae347afa55d8634d8381c0462b5583750 I give you the money. You give me the goods in exchange. We've swapped assets. https://preview.redd.it/b8ahjc83751d1.png?width=647&format=png&auto=webp&s=db34a3ff7a9706a51840fa1f100784217dee728f If I don't have money, but you know me, then maybe you'll accept my IOU as payment. https://preview.redd.it/ce118635751d1.png?width=338&format=png&auto=webp&s=fc8b101216ebc9da0ae64ed463901678955afb18 Here are the balance sheets. https://preview.redd.it/udhhwm77751d1.png?width=714&format=png&auto=webp&s=0108f0215ca48df27dfb1e22dd207a6fea8dfafe My IOU still isn't money, though. It can't be passed around as a general means of payment. Just because you accepted it as payment doesn't mean you can turn around and spend it again. If you refuse my IOU as payment, I must find a way to transform it into something you will accept. A bank can help. https://preview.redd.it/lvrafjaa751d1.png?width=1083&format=png&auto=webp&s=40b50f7cd6a60a6eb236afa00311bfc0abe55f49 Money now exists where none existed before. The bank has "monetized" my IOU. It is perhaps easier to see what's happening with payment arrows. https://preview.redd.it/muq5hc3d751d1.png?width=688&format=png&auto=webp&s=d411a8a5cfac0838cd2ca6261b15ef2dda286464 On the left, lending from the bank creates money for me (1). Then, I spend the money to pay you (2). On the right, you end up holding money, which is a liability of the bank. The bank ends up holding the loan, which is a liability of me—my IOU. The four prices of money:
"One money in terms of another money" does not mean the relative price of two different currencies. That's the exchange rate. Instead, par is the relative price of instruments denominated in the same standard monetary unit. It is normally a fixed one-to-one relationship. We expect a quantity of bank deposits to be redeemable for the same quantity of physical cash, or the same quantity of bank deposits in another bank. By allowing us to move freely between these different instruments, par facilitates the smooth functioning of the payment system. We only tend to notice par when it breaks. A bank's balance sheet seemingly has money both as an asset (cash reserves) and as a liability (deposits). But only the cash reserves are money from the perspective of the bank. The bank is responsible for maintaining par between these two instruments. Interest Rate When two parties swap IOUs, the fact that one party pays the other a fee to enter into the mutual obligation gives us a clue as to which party wants access to the other's liabilities. We call that fee interest. And the interest rate is the price. When I pay interest on a bank loan, I'm paying for a service. The bank's IOU (deposits) is worth something to me. Interest is what I pay to get it. Exchange Rate Today, the main international money is the US dollar. In the late 19th century, it was the pound sterling or gold. In any case, what matters is the relative price between the domestic monetary standard and the international monetary standard. For our purposes, the important feature of an international gold standard isn't the "gold" part so much as it is the "international standard" part. A fixed exchange rate system is largely analogous to a single monetary standard with par relationships between instruments. Flexible exchange rates are more complicated. We will explore flexible exchange rates in the second half of the course. Price Level Notice that when Mehrling justified a role for the central bank, he said nothing about managing inflation. Mehrling emphasizes the price level the least of the four prices of money. This is partly because other economists tend to over-emphasize the price level. Nevertheless, money is meaningless unless it has some actual goods and services to buy. So we don't want to forget the price level entirely. We also know that stabilizing the price level alone isn't enough to ensure stability of the financial system. By setting aside the price level—and assuming an unproblematic monetary standard—we can more easily explore certain features the system built on top of that standard, how they function, and why they break. Part 5: Readings: Allyn YoungWe will discuss this reading on Wednesday, May 22nd.These four chapters represent only a tiny fraction of Young's 36 total encyclopedia articles for the 1924/1929 edition of The Book of Popular Science. You can read the rest—and more—in Money and Growth: Selected papers of Allyn Abbott Young Edited by Perry Mehrling and Roger Sandilands. I have not read the other chapters. Please post any questions and comments below. We will have a one-hour live discussion of Lecture 1 and Lecture 2 on Monday, May 20th, at 2:00pm EDT. |
2024.05.18 04:15 Steelers4ever92 Meet with my lawyer
My lawyer recommended Chapter 13. I have appx $140k in debt. 3 years left on my car. Only secured debt. Everything else us loans or credit cards. My attorney stayed $3k a month at this is interest free basically.
$3k a month times 60 payments is $180k. What am I missing?
submitted by Steelers4ever92 to Bankruptcy [link] [comments]
$3k a month times 60 payments is $180k. What am I missing?