Amendment 5th debt bankruptcy
I am so behind in life in all of area...please give me some hope, if you can.
2024.05.20 00:33 Pamikoo I am so behind in life in all of area...please give me some hope, if you can.
Hi all,
I do not know, what I want, venting and maybe need some kindness.
I will be 33 in 3 weeks, and I became panicked and depressed this year because of my life.
I live alone in a rented flat in Eastern-Europe, which I really like, and I did not really wanted to be a flat owner (and did not even think about that) until last 1 year. I still have really big student debt, so not a small part of my salary needs to be sacrificed. I did not handle money well in my twenties, so yes, I still feel affect of that.
I do not really have a good career. I have my 5th workplace, worked in multinational companies, but never had a promotion, just flat movements. I had really big hopes at my current company to have a promotion, but I still need to wait a lot, so just stucked from salary point of view. Also started to apply jobs since December to Western Europe (I would like to move), but I did not even have a single interview since end of Febr. I feel helpless.
I have anxious attachment, does not have relationship since 5,5 years, only unserious or even abusive/toxic guys. I just cut relationship with all of them for a while. For now I just feel incapable for a relationship. Did not receive any compliment since years. I am not nice, but not extremely ugly, do sports and pretty.
The only good thing in my life is my therapist, who helped me to lose toxic friend from my life and my hobbies (gym, hiking, cycling). Luckily I still have a brother and mentally supportive father.
On the other way I feel like a loser. This year I just hear from my friends in every 2-3 weeks, that they bought house, having a baby, marriage and asking me about my plans and I cannot say anything.š¢
I do not have careegood salary, had my last date last June (to be honest I need to have this break, because I overwhelmed of online dating), however I always wanted to be mum, no job interview, no possibility to buy a flat.
I just see 0 aspect in my life and my time will go away. I do not like to meet these people, who has something good nowadays. I am not sad because of them, but me. I am not sure, what I wait here, but wanted to write somewhere...
submitted by Pamikoo to AskWomenOver30 [link] [comments]
I do not know, what I want, venting and maybe need some kindness.
I will be 33 in 3 weeks, and I became panicked and depressed this year because of my life.
I live alone in a rented flat in Eastern-Europe, which I really like, and I did not really wanted to be a flat owner (and did not even think about that) until last 1 year. I still have really big student debt, so not a small part of my salary needs to be sacrificed. I did not handle money well in my twenties, so yes, I still feel affect of that.
I do not really have a good career. I have my 5th workplace, worked in multinational companies, but never had a promotion, just flat movements. I had really big hopes at my current company to have a promotion, but I still need to wait a lot, so just stucked from salary point of view. Also started to apply jobs since December to Western Europe (I would like to move), but I did not even have a single interview since end of Febr. I feel helpless.
I have anxious attachment, does not have relationship since 5,5 years, only unserious or even abusive/toxic guys. I just cut relationship with all of them for a while. For now I just feel incapable for a relationship. Did not receive any compliment since years. I am not nice, but not extremely ugly, do sports and pretty.
The only good thing in my life is my therapist, who helped me to lose toxic friend from my life and my hobbies (gym, hiking, cycling). Luckily I still have a brother and mentally supportive father.
On the other way I feel like a loser. This year I just hear from my friends in every 2-3 weeks, that they bought house, having a baby, marriage and asking me about my plans and I cannot say anything.š¢
I do not have careegood salary, had my last date last June (to be honest I need to have this break, because I overwhelmed of online dating), however I always wanted to be mum, no job interview, no possibility to buy a flat.
I just see 0 aspect in my life and my time will go away. I do not like to meet these people, who has something good nowadays. I am not sad because of them, but me. I am not sure, what I wait here, but wanted to write somewhere...
2024.05.20 00:24 HayashiAkira_ch Issue with EWS while trying to open Capital One 360 checking
Spent the last few hours trying and failing to open up a Capital One 360 checking. After talking to several people I finally got my account sorted out so I can apply for the account, and then Iām immediately blocked due to Early Warning System.
From what I can understand, I assume itās because of my history in the last 12 months. I tried out a couple of accounts with some online banks, both of which shut down in March and April. In December before they shut down I decided to give Truist a shot for a more traditional banking experience, but theyāve been rather mediocre if Iām being honest. Lackluster features, very limited customer service hours and branch location hours, and cards that start peeling at the edges after having them in my wallet for just a few weeks.
I want to switch over to Capital One at the suggestion of my brother in law. He uses them and loves it. They have great interest rates on their savings, good hours for customer service, and as someone who recently filed bankruptcy and got their debt discharged, I like that they have some good options to help me rebuild my credit.
I figured itās probably the bankruptcy and still fairly recent opening of my Truist accounts that are giving me issues, but Iām having trouble finding out for sure. Anyone have any ideas or tips on what to do to get past this? Iām about to start a new job next week and Iād like to be able to set up my direct deposit with Capital One from the get-go, but idk how I can navigate the situation to do so.
submitted by HayashiAkira_ch to Banking [link] [comments]
From what I can understand, I assume itās because of my history in the last 12 months. I tried out a couple of accounts with some online banks, both of which shut down in March and April. In December before they shut down I decided to give Truist a shot for a more traditional banking experience, but theyāve been rather mediocre if Iām being honest. Lackluster features, very limited customer service hours and branch location hours, and cards that start peeling at the edges after having them in my wallet for just a few weeks.
I want to switch over to Capital One at the suggestion of my brother in law. He uses them and loves it. They have great interest rates on their savings, good hours for customer service, and as someone who recently filed bankruptcy and got their debt discharged, I like that they have some good options to help me rebuild my credit.
I figured itās probably the bankruptcy and still fairly recent opening of my Truist accounts that are giving me issues, but Iām having trouble finding out for sure. Anyone have any ideas or tips on what to do to get past this? Iām about to start a new job next week and Iād like to be able to set up my direct deposit with Capital One from the get-go, but idk how I can navigate the situation to do so.
2024.05.19 23:58 New-Ad-5003 Consequences of not filing
Hello, as iām prepping my documents for my lawyer, iāve began to wonder what might happen if i donāt file. I have roughly $48,000 in debt currently, 31k of which is for a car the bank is trying to repo.
Once i return the car i suspect after asset sale i will still owe 10-12,000 on that auto loan. I have a 3k signature loan with that same bank. The rest (14k-ish) is unsecured credit card debt.
If i turn in the car, and donāt proceed to file bankruptcy, or make payment plans with creditors, what can they do?
Iāve become disabled, so i am quitting my highly physical job very soon, and moving out of the state iām living in currently.
My main concern is asset forfeiture, as i will also be getting married, and my partner will be gifted their parents home and property. I donāt want these creditors to be able to go after my spouseās property.
I understand my best move is to speak with my attorney, but theyāre out of town and iām curious.
Thanks!
submitted by New-Ad-5003 to Bankruptcy [link] [comments]
Once i return the car i suspect after asset sale i will still owe 10-12,000 on that auto loan. I have a 3k signature loan with that same bank. The rest (14k-ish) is unsecured credit card debt.
If i turn in the car, and donāt proceed to file bankruptcy, or make payment plans with creditors, what can they do?
Iāve become disabled, so i am quitting my highly physical job very soon, and moving out of the state iām living in currently.
My main concern is asset forfeiture, as i will also be getting married, and my partner will be gifted their parents home and property. I donāt want these creditors to be able to go after my spouseās property.
I understand my best move is to speak with my attorney, but theyāre out of town and iām curious.
Thanks!
2024.05.19 22:43 lumpytorta F28 My experience with the US healthcare system since being diagnosed with Ovarian Cancer
TLDR at the end
F28 with Ovarian Cancer I am really struggling with medical negligence not just from one doctor, but multiple. Just an FYI this is a long post about my overall experience since getting diagnosed with cancer and learning I have an underlying autoimmune disorder(s). Iāve been dealing with a lot of discrimination because Iām young and āhealthy lookingā and doctors constantly dismiss me or discriminate me for some reason and Iām tired of it. Iāve been sick and disabled since last November and I had a great job and was running my own business but lost everything because of negligent doctors and cancer.
I originally posted this on legaladvice because I thought maybe I had a case but at this point I donāt even know if I have a case or not and Iām starting to just accept that this is how this shitty system works. Anyways I thought Iād at least share my experiences with the medical field in the US specifically in LA California. I imagine Iām not the only person who has gone through this and that many people who are struggling with disabilities face these kind of obstacles when navigating the healthcare system here. Iāve had to learn how to advocate for myself and I only hope that my post and experience helps those struggling with their health.
In order for me to advocate for myself Iāve had to basically become just as knowledgeable about my condition(s) to get the proper care. Iāve had to fight for my diagnosis and proper treatment and had I not been looking up my symptoms, possible diagnosis, lab work results, I may have died or came to the verge of it had I fully trusted any of the doctors Iāve come into contact with. Always do your own research using trusted resources and have someone with you who can help advocate for you when you canāt advocate for yourself. Not only am I dismissed for being a female but also for being young and healthy looking despite having serious debilitating symptoms.
For two years I was seeing a rheumatologist for an underlying autoimmune disorder(s) like SLE OR MS and was diagnosed with Rheumatoid Arthritis, Primary immunodeficiency, dysautonomia, fibromyalgia, CIDP and still being investigated for more issues.
In November I decided to go on a LOA because my flares were starting to become more frequent and severe. My psychiatrist was the one who filled out the LOA paperwork for the time from Nov-Dec because I was hesitant to ask my Rheumatologist. I was told by my rheumatologists office that filling out LOA paperwork was $300 out of pocket and at the time I didnāt have that money so my psychiatrist signed it because I was also struggling with my mental health and family issues that time.
I was supposed to go back to work in January but at the start of the new year I got really sick and my flares started to ramp up again so I had to request a new LOA. My psychiatrist couldnāt help me with my LOA paperwork anymore because it was more health related now and told me to go see my rheumatologist. I was still hesitant because of the fee and then when I was about to see my rheumatologist again and get my bloodwork done I got a surprise bill from the lab where I get my bloodwork done for $400 after insurance. They wouldnāt let me get additional tests until I paid the fee and I couldnāt see my rheumatologist until I had my bloodwork done. I made an appointment with my rheumatologist anyways but the soonest I could get wasnāt until after the LOA deadline in March. I also couldnāt get any disability benefits until that LOA form was filled out by my doctor so I had no income to pay for any of this.
I ended up in the Emergency Room on 2/16/24 a little over a week before I needed to submit the forms for LOA and at this point my employer was threatening to fire me for failing to provide the LOA paperwork. I tried explaining the situation to one of my managers but he wasnāt having it and didnāt care.
When I went to the first emergency room I went in for multiple serious symptoms, they knew I had an underlying autoimmune disorder causing the flares and that I had surgery 3 years prior to remove ovarian cysts on my right ovary. I told the emergency room that I had a lot of abdominal pain across multiple areas, I was really weak, fatigued, dealing with vertigo, migraines, blood in stool, persistent bloating, frequent urination, appetite loss, rapid weight gain, insomnia, tachycardia, high bp, neuropathic itch/ polyneuropathy and my symptoms were to the point where I was losing my ability to walk. My partner was holding me the entire time so I wouldnāt fall.
The emergency room did a bunch of tests that included a basic blood panel, physical exam and a CT scan of my abdomen. They didnāt find the bleeding but instead found that I had a complex 14cm tumor on my right ovary which they deemed a dermoid cyst.
When they gave me the news they officially diagnosed me with a ādermoid cyst from birthā even though I countered their diagnosis and told them that was impossible because I had surgery 3 years prior. The doctor didnāt backtrack at all, just stuttered and continued to discharge me because it āwasnāt an emergencyā just because I wasnāt bleeding out despite all of my serious progressing symptoms.
I angrily left the ER knowing it was utter BS and deep down I knew it was cancer because of how sick I was. I could literally feel I didnāt have much time but because I looked young and healthy and my basic blood panel didnāt throw up any huge red flags at them even they dismissed me and misdiagnosed me. I wasnāt even given anything to manage the pain.
I even told them I was already on a medical leave and that Iāve been really sick but that it was getting bad and I couldnāt see my rheumatologist. However I didnāt know about the tumor until then. I told them I needed help with the LOA paperwork too and had they admitted me I would have been able to get an extension and still have my job and benefits. I could have started treatment sooner and received disability pay but instead was forced to continue living with this pain. It was so large that I was at risk of torsion rupture and necrosis, Not to mention permanent nerve damage.
The next day I called up every gynecologist I could to see where I could go for the soonest appointment for an ultrasound. I found a doctor who took me as an emergency appointment a few days later and he confirmed it was most likely malignant and that I needed surgery ASAP. I talked to him about my LOA situation too because I was running out of time and I was too disabled to work. He also refused to help me sign my LOA paperwork because according to him, āovarian cancer canāt cause systemic symptoms and youāre going to need to wait until surgery before I put you on leaveā. I told him I had an underlying autoimmune disorder that I think is being exasperated by the cancer and I was just dismissed yet again despite needing someone to physically help me walk so I donāt fall. He also didnāt give me anything for the pain I was in.
I had to turn in my LOA that day but because of this I was forced to resign my position or face getting fired and becoming un-hirable so I had to quit. In quitting I lost everything, benefits, stocks, my job, my health, doctors. Iām now in debt with multiple cc going to collections because I havenāt been getting an income since January and Iām just starting chemo so I have no idea when Iāll be able to work again. I donāt know what to do here. I was going to try to settle my debt but with what money?? I might be forced into bankruptcy for 7 years now.
After I lost my insurance I applied for medi-cal but something with my application in there system wasnāt right and it was in a never ending pending limbo state(Took about two months to actually sort it out and I only sorted it out that quickly because my friend works for medi-cal). I tried waiting it out for two weeks, calling them sorting it out and doing it right by the system but every day I was getting sicker and weaker and I felt I was running out of time as I was bed ridden at this point.
Two weeks later I went to a different ER because at this point I couldnāt sleep, I couldnāt eat and I started getting migraines after doing anything. I was miserable from enduring all the symptoms and never ending anxiety and mood swings of possibly having an autoimmune disorder like SLE, MS and ovarian cancer.
The second ER I went to finally admit me for emergency surgery after a full day of being in the emergency room and they confirmed it was in fact a tumor. It also grew to 20cm by that point. By this time the tumor had already ruptured and twisted my ovary. The entire time I was there though it was a battle. I had been living with this for so long that I was perceiving my pain as a 6 when in reality I had nerve damage and the pain was likely higher. I seemed calm at first but anytime someone came in trying to tell me I was fine I couldnāt hold it together and would start crying because I was at my breaking point. I was suffering and no one was taking me seriously. I had to make it a point that because of the misdiagnosis from the last hospital, I lost everything and was in a position where I couldnāt get any care because of the issue I was having with my medi-cal application. It wouldāve been months before I found a PCP, got referred to specialists, confirmed it was cancer, and scheduled a surgery. At one point during my time in the emergency room, the head of the ER came to me and literally told me, āI want to help you but youāre going to have to SELL it to meā. After that I kept having to tell them that my pain was like an 8-10 and that the pain meds werenāt working. They put me on gabapentin which didnāt really do anything for me actually. But then they started giving me morphine and while it helped tremendously I also found out that day that I either have an allergy or a sensitivity to morphine.
Anyways now to my current situation. I started chemo about two weeks ago and my current oncologist is also being negligent.
I found out the other day that she blindly prescribed a medication for nausea that interacts with a medication that I was already on. The interaction is known to cause arrhythmias apparently. During my first week of chemo I was taking both meds and mentioned that my chest had been feeling heavy and I had pain. I was told it was steroids. It continued and then one night as I was falling asleep my heart started to pound really hard for about 10-15 seconds. I told my doctor about it and again steroids.
That same day I went to pick up a prescription and just happened to ask if anything interacted and thatās when I found out that it was a major interaction and I literally could have died had I not luckily already been titrating off of the offending medicine. I stopped taking those meds and immediately the chest pain stopped and I havenāt had an episode like that since.
I am freaked out and donāt want to continue my care with her due to her negligence. This should have been a conversation at minimum and she didnāt even tell me she prescribed it let alone double check for interactions(she had the list of my current medications). I just got a notification from my pharmacy that it was ready. I also didnāt know about the interaction when it was picked up because my mom picked it up for me and she doesnāt speak English very well.
I talked to my care teams assistant and told her I wanted a change of doctors because I didnāt trust her after this and she said she was going to put in the request. They called me yesterday though and said they werenāt going to switch me because I had already started treatment. They refused to switch my doctors despite everything thatās happened even though she literally almost accidentally killed me. I am livid and donāt want to continue with them but theyāre giving me no choice but to continue seeing her.
I already set up an appointment for a second opinion but thatās not for another two weeks before the appointment and I donāt want to interrupt the treatment.
I have a rare type of ovarian cancer with a high grade tumor. It was a germ cell tumor called an immature teratoma. They said it is stage 1 but because I had emergency surgery, the tumor had already ruptured, and everything was rushed I donāt feel this is an accurate diagnosis because I have pain in all of the surrounding areas where the tumor was pushing up against. (I also mentioned this to my oncologist but instead of running tests or anything else I was given a psych referral for anxiety because I have an adhd & bipolar diagnosis even though Iāve been stable for years and I wasnāt overreacting in this case). The tumor was exasperating all of my autoimmune symptoms and causing me to be in a never ending flare so my body has been heavily damaged. Im becoming disabled at 28. I have so much anxiety with doctors now because Iām traumatized from my experience with them dismissing me and discriminating against me. Like Iām young so I āmust be able to tolerate moreā. I have to constantly look up my lab results, medications, conditions, because of how much negligence and dismissal Iāve been dealing with over the years. Iām scared Iām going to die from something preventable and not cancer at this rate.
TLDR: F28 w/ ovarian cancer and pre-existing autoimmune disorders struggling to get care, proper diagnosis, treatment, negligence by multiple doctors, losing everything. US health care system is incredibly difficult to navigate and we need to constantly advocate for ourselves to get proper care in this for profit healthcare system.
submitted by lumpytorta to TwoXChromosomes [link] [comments]
F28 with Ovarian Cancer I am really struggling with medical negligence not just from one doctor, but multiple. Just an FYI this is a long post about my overall experience since getting diagnosed with cancer and learning I have an underlying autoimmune disorder(s). Iāve been dealing with a lot of discrimination because Iām young and āhealthy lookingā and doctors constantly dismiss me or discriminate me for some reason and Iām tired of it. Iāve been sick and disabled since last November and I had a great job and was running my own business but lost everything because of negligent doctors and cancer.
I originally posted this on legaladvice because I thought maybe I had a case but at this point I donāt even know if I have a case or not and Iām starting to just accept that this is how this shitty system works. Anyways I thought Iād at least share my experiences with the medical field in the US specifically in LA California. I imagine Iām not the only person who has gone through this and that many people who are struggling with disabilities face these kind of obstacles when navigating the healthcare system here. Iāve had to learn how to advocate for myself and I only hope that my post and experience helps those struggling with their health.
In order for me to advocate for myself Iāve had to basically become just as knowledgeable about my condition(s) to get the proper care. Iāve had to fight for my diagnosis and proper treatment and had I not been looking up my symptoms, possible diagnosis, lab work results, I may have died or came to the verge of it had I fully trusted any of the doctors Iāve come into contact with. Always do your own research using trusted resources and have someone with you who can help advocate for you when you canāt advocate for yourself. Not only am I dismissed for being a female but also for being young and healthy looking despite having serious debilitating symptoms.
For two years I was seeing a rheumatologist for an underlying autoimmune disorder(s) like SLE OR MS and was diagnosed with Rheumatoid Arthritis, Primary immunodeficiency, dysautonomia, fibromyalgia, CIDP and still being investigated for more issues.
In November I decided to go on a LOA because my flares were starting to become more frequent and severe. My psychiatrist was the one who filled out the LOA paperwork for the time from Nov-Dec because I was hesitant to ask my Rheumatologist. I was told by my rheumatologists office that filling out LOA paperwork was $300 out of pocket and at the time I didnāt have that money so my psychiatrist signed it because I was also struggling with my mental health and family issues that time.
I was supposed to go back to work in January but at the start of the new year I got really sick and my flares started to ramp up again so I had to request a new LOA. My psychiatrist couldnāt help me with my LOA paperwork anymore because it was more health related now and told me to go see my rheumatologist. I was still hesitant because of the fee and then when I was about to see my rheumatologist again and get my bloodwork done I got a surprise bill from the lab where I get my bloodwork done for $400 after insurance. They wouldnāt let me get additional tests until I paid the fee and I couldnāt see my rheumatologist until I had my bloodwork done. I made an appointment with my rheumatologist anyways but the soonest I could get wasnāt until after the LOA deadline in March. I also couldnāt get any disability benefits until that LOA form was filled out by my doctor so I had no income to pay for any of this.
I ended up in the Emergency Room on 2/16/24 a little over a week before I needed to submit the forms for LOA and at this point my employer was threatening to fire me for failing to provide the LOA paperwork. I tried explaining the situation to one of my managers but he wasnāt having it and didnāt care.
When I went to the first emergency room I went in for multiple serious symptoms, they knew I had an underlying autoimmune disorder causing the flares and that I had surgery 3 years prior to remove ovarian cysts on my right ovary. I told the emergency room that I had a lot of abdominal pain across multiple areas, I was really weak, fatigued, dealing with vertigo, migraines, blood in stool, persistent bloating, frequent urination, appetite loss, rapid weight gain, insomnia, tachycardia, high bp, neuropathic itch/ polyneuropathy and my symptoms were to the point where I was losing my ability to walk. My partner was holding me the entire time so I wouldnāt fall.
The emergency room did a bunch of tests that included a basic blood panel, physical exam and a CT scan of my abdomen. They didnāt find the bleeding but instead found that I had a complex 14cm tumor on my right ovary which they deemed a dermoid cyst.
When they gave me the news they officially diagnosed me with a ādermoid cyst from birthā even though I countered their diagnosis and told them that was impossible because I had surgery 3 years prior. The doctor didnāt backtrack at all, just stuttered and continued to discharge me because it āwasnāt an emergencyā just because I wasnāt bleeding out despite all of my serious progressing symptoms.
I angrily left the ER knowing it was utter BS and deep down I knew it was cancer because of how sick I was. I could literally feel I didnāt have much time but because I looked young and healthy and my basic blood panel didnāt throw up any huge red flags at them even they dismissed me and misdiagnosed me. I wasnāt even given anything to manage the pain.
I even told them I was already on a medical leave and that Iāve been really sick but that it was getting bad and I couldnāt see my rheumatologist. However I didnāt know about the tumor until then. I told them I needed help with the LOA paperwork too and had they admitted me I would have been able to get an extension and still have my job and benefits. I could have started treatment sooner and received disability pay but instead was forced to continue living with this pain. It was so large that I was at risk of torsion rupture and necrosis, Not to mention permanent nerve damage.
The next day I called up every gynecologist I could to see where I could go for the soonest appointment for an ultrasound. I found a doctor who took me as an emergency appointment a few days later and he confirmed it was most likely malignant and that I needed surgery ASAP. I talked to him about my LOA situation too because I was running out of time and I was too disabled to work. He also refused to help me sign my LOA paperwork because according to him, āovarian cancer canāt cause systemic symptoms and youāre going to need to wait until surgery before I put you on leaveā. I told him I had an underlying autoimmune disorder that I think is being exasperated by the cancer and I was just dismissed yet again despite needing someone to physically help me walk so I donāt fall. He also didnāt give me anything for the pain I was in.
I had to turn in my LOA that day but because of this I was forced to resign my position or face getting fired and becoming un-hirable so I had to quit. In quitting I lost everything, benefits, stocks, my job, my health, doctors. Iām now in debt with multiple cc going to collections because I havenāt been getting an income since January and Iām just starting chemo so I have no idea when Iāll be able to work again. I donāt know what to do here. I was going to try to settle my debt but with what money?? I might be forced into bankruptcy for 7 years now.
After I lost my insurance I applied for medi-cal but something with my application in there system wasnāt right and it was in a never ending pending limbo state(Took about two months to actually sort it out and I only sorted it out that quickly because my friend works for medi-cal). I tried waiting it out for two weeks, calling them sorting it out and doing it right by the system but every day I was getting sicker and weaker and I felt I was running out of time as I was bed ridden at this point.
Two weeks later I went to a different ER because at this point I couldnāt sleep, I couldnāt eat and I started getting migraines after doing anything. I was miserable from enduring all the symptoms and never ending anxiety and mood swings of possibly having an autoimmune disorder like SLE, MS and ovarian cancer.
The second ER I went to finally admit me for emergency surgery after a full day of being in the emergency room and they confirmed it was in fact a tumor. It also grew to 20cm by that point. By this time the tumor had already ruptured and twisted my ovary. The entire time I was there though it was a battle. I had been living with this for so long that I was perceiving my pain as a 6 when in reality I had nerve damage and the pain was likely higher. I seemed calm at first but anytime someone came in trying to tell me I was fine I couldnāt hold it together and would start crying because I was at my breaking point. I was suffering and no one was taking me seriously. I had to make it a point that because of the misdiagnosis from the last hospital, I lost everything and was in a position where I couldnāt get any care because of the issue I was having with my medi-cal application. It wouldāve been months before I found a PCP, got referred to specialists, confirmed it was cancer, and scheduled a surgery. At one point during my time in the emergency room, the head of the ER came to me and literally told me, āI want to help you but youāre going to have to SELL it to meā. After that I kept having to tell them that my pain was like an 8-10 and that the pain meds werenāt working. They put me on gabapentin which didnāt really do anything for me actually. But then they started giving me morphine and while it helped tremendously I also found out that day that I either have an allergy or a sensitivity to morphine.
Anyways now to my current situation. I started chemo about two weeks ago and my current oncologist is also being negligent.
I found out the other day that she blindly prescribed a medication for nausea that interacts with a medication that I was already on. The interaction is known to cause arrhythmias apparently. During my first week of chemo I was taking both meds and mentioned that my chest had been feeling heavy and I had pain. I was told it was steroids. It continued and then one night as I was falling asleep my heart started to pound really hard for about 10-15 seconds. I told my doctor about it and again steroids.
That same day I went to pick up a prescription and just happened to ask if anything interacted and thatās when I found out that it was a major interaction and I literally could have died had I not luckily already been titrating off of the offending medicine. I stopped taking those meds and immediately the chest pain stopped and I havenāt had an episode like that since.
I am freaked out and donāt want to continue my care with her due to her negligence. This should have been a conversation at minimum and she didnāt even tell me she prescribed it let alone double check for interactions(she had the list of my current medications). I just got a notification from my pharmacy that it was ready. I also didnāt know about the interaction when it was picked up because my mom picked it up for me and she doesnāt speak English very well.
I talked to my care teams assistant and told her I wanted a change of doctors because I didnāt trust her after this and she said she was going to put in the request. They called me yesterday though and said they werenāt going to switch me because I had already started treatment. They refused to switch my doctors despite everything thatās happened even though she literally almost accidentally killed me. I am livid and donāt want to continue with them but theyāre giving me no choice but to continue seeing her.
I already set up an appointment for a second opinion but thatās not for another two weeks before the appointment and I donāt want to interrupt the treatment.
I have a rare type of ovarian cancer with a high grade tumor. It was a germ cell tumor called an immature teratoma. They said it is stage 1 but because I had emergency surgery, the tumor had already ruptured, and everything was rushed I donāt feel this is an accurate diagnosis because I have pain in all of the surrounding areas where the tumor was pushing up against. (I also mentioned this to my oncologist but instead of running tests or anything else I was given a psych referral for anxiety because I have an adhd & bipolar diagnosis even though Iāve been stable for years and I wasnāt overreacting in this case). The tumor was exasperating all of my autoimmune symptoms and causing me to be in a never ending flare so my body has been heavily damaged. Im becoming disabled at 28. I have so much anxiety with doctors now because Iām traumatized from my experience with them dismissing me and discriminating against me. Like Iām young so I āmust be able to tolerate moreā. I have to constantly look up my lab results, medications, conditions, because of how much negligence and dismissal Iāve been dealing with over the years. Iām scared Iām going to die from something preventable and not cancer at this rate.
TLDR: F28 w/ ovarian cancer and pre-existing autoimmune disorders struggling to get care, proper diagnosis, treatment, negligence by multiple doctors, losing everything. US health care system is incredibly difficult to navigate and we need to constantly advocate for ourselves to get proper care in this for profit healthcare system.
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 āpaid offā and I canāt find any information on the website on what to do. Anyone have any idea on whatās 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 22:37 VanillaWooloo AITA for abandoning my disabled mother?
(On mobile so sorry if the format is weird.) Long story short, I (22F) am stuck. Like, stuck stuck. My Mom (50āsF) has been unemployed for a couple of years now, and in the beginning I agreed to pay for all of her bills until either she or my brother got a job to help me out because what 20 something wants to give their entire paycheck to their mom? Well thatās exactly what Iām doing. She has lymphedema, and thatās not her fault but my family has spent thousands of dollars on equipment and treatments to fix it but she gets demotivated and stops trying after awhile, itās to the point she struggles to get in and out of the car. Meanwhile my brother (20M) does nothing but play roblox all night and talk to his friends on discord. Sure he helps around the house sometimes but every time my mom picks me up from work (no car. Tried saving but my mom got into bankruptcy debt so all of it went to that. Which Iām also paying for and I guess she goes to jail if I stop.) she complains about how her legs are getting worse and it makes me so frustrated because your unemployed son is right there! Let him help you, Iām at work literally all day and canāt do anything about it. I did in the beginning, but if Iād kept doing it we wouldāve been homeless by now cause Iām the only one out of the three working. I tried showing my bro how to wrap her legs but he always had an excuse not to do it. Anyways, thatās not even the big issue- my girlfriend (24F) wants me to move in with her, but sheās about 21 hours away by car and I have no idea what to do. Iāve always dreamed about getting out of here- my bros always been the favorite and I know that my mom only started being nice to me because Iām funding her lifestyle. Would I be a bad person if I just left? It would be a rug pull sure but everyone here is extremely religious and donāt think I should move out until Iāve got a husband or whatever. Not to mention my coworker has vacation in November and is counting on me to cover his shift but Iām just so tired. At this point it might just be easier to kms. Any advice would be helpful, please. Iām supposed to be moving in June. I love this girl, and I want to go there so bad but will I even be able to live with the guilt? Am I a bad person for even thinking about it? Iām so tired. I keep begging for help but I guess I have to save myself, if I can. I donāt know what to do.
submitted by VanillaWooloo to AITAH [link] [comments]
2024.05.19 22:30 Apoliticalpolitician Debt relief vs consolidation
Soā¦ Iām an E5 in the U.S. military, my wife is a stay at home mom (working on picking up photography for extra income, while we homeschool our two children 9 & 13). So we survive solely off my income which isnāt much. Before we had two kids we made some piss poor financial decisions the likes of which we have gotten progressively worse off from.
We can barely keep our heads above water, I canāt even afford new uniforms and grocery prices have us using the credit cards just to put food on the table.
Weāre kind of just at a loss right now. Should we try for debt consolidation or relief? Should we file for bankruptcy? Just trying to get to the point where we can save money again. We were super young when we made those decisions, itās been about 11 years since then. We just need some help. Please be nice lol.
submitted by Apoliticalpolitician to DebtAdvice [link] [comments]
We can barely keep our heads above water, I canāt even afford new uniforms and grocery prices have us using the credit cards just to put food on the table.
Weāre kind of just at a loss right now. Should we try for debt consolidation or relief? Should we file for bankruptcy? Just trying to get to the point where we can save money again. We were super young when we made those decisions, itās been about 11 years since then. We just need some help. Please be nice lol.
2024.05.19 22:04 LeSoliel18 Bankruptcy Advice
I am 67, on SS & working a minimum wage job PT to supplement, and donāt think I can physically work more than the 30 hours/week that I already do.
I am very thankful to live with my daughter & her BF, we split the rent/utilities (I pay 1/3), I have a 14 year old small car (paid off) & no property or pension & recently got a small term life insurance policy to cover essentially my cremation, so my kids donāt have to worry about that.
They also work pay check to paycheck, and my sibs have been generous to me when unexpected costs come up (new brakes), but I feel Iāve been a free loader too long.
Long story how I got here, but I am about 18K in CC debt, as well as a $8k judgment for one that was sold to a third party.
The CC all have very high interest rates, you know, the kind that would take me beyond my lifetime to payoff. The ones I do have are maxed & I try to pay a little more than what is due, but that doesnāt really go far towards the principle that is always ahead of me. I tried to get personal loans, but couldnāt, and I know there are ādebt reliefā programs, but honestly, it doesnāt take away the debt, more than work out ways to pay less.
Suddenly today I thought of Bankruptcy! I had filed before, 30 years ago, when I actually had very little debt but it was the only way I could get my ex to finally sign divorce papers as it forced him to sell our home.
I know this is long, and if youāre still reading, honestly, what could I lose? I would no longer have the intense anxiety every time I watch my small income be eaten up by bills. I have no plans to purchase property in my future, and could maybe enjoy shopping somewhere other than Goodwill.
Thoughts?
submitted by LeSoliel18 to Bankruptcy [link] [comments]
I am very thankful to live with my daughter & her BF, we split the rent/utilities (I pay 1/3), I have a 14 year old small car (paid off) & no property or pension & recently got a small term life insurance policy to cover essentially my cremation, so my kids donāt have to worry about that.
They also work pay check to paycheck, and my sibs have been generous to me when unexpected costs come up (new brakes), but I feel Iāve been a free loader too long.
Long story how I got here, but I am about 18K in CC debt, as well as a $8k judgment for one that was sold to a third party.
The CC all have very high interest rates, you know, the kind that would take me beyond my lifetime to payoff. The ones I do have are maxed & I try to pay a little more than what is due, but that doesnāt really go far towards the principle that is always ahead of me. I tried to get personal loans, but couldnāt, and I know there are ādebt reliefā programs, but honestly, it doesnāt take away the debt, more than work out ways to pay less.
Suddenly today I thought of Bankruptcy! I had filed before, 30 years ago, when I actually had very little debt but it was the only way I could get my ex to finally sign divorce papers as it forced him to sell our home.
I know this is long, and if youāre still reading, honestly, what could I lose? I would no longer have the intense anxiety every time I watch my small income be eaten up by bills. I have no plans to purchase property in my future, and could maybe enjoy shopping somewhere other than Goodwill.
Thoughts?
2024.05.19 20:12 NefariousnessAny7346 āIf youāre not angry, youāre not paying attention.ā
 | My theory is, the government is screwing Richard Allen! They are railroading and violating the constitution. Whether heās guilty or innocent is irrelevant to whatās transpiring in Indiana! submitted by NefariousnessAny7346 to Delphi_Knot [link] [comments] All citizens should be outraged about the human rights violations that have occurred and continue to occur. All humans have rights, and justice demands transparency and accountability. To the State of Indiana: You donāt throw a person in a hole and use corrosive tactics while simultaneously violating his 5th, 6th, and 8 amendment rights to get āinformationā you should have obtained and validated prior to throwing him in there the first place. You especially donāt do this to a veteran! Transparency is coming, and accountability is not one ended. We are all paying attention including the ACLU! |
2024.05.19 19:38 dnelson2408 Summary of this channel, data, and news for the last 3 weeks.
 | Afternoon all, submitted by dnelson2408 to RILYStock [link] [comments] I thought it might be fun to try and take the last three weeks and have a recap of the data and news surrounding RILY. I just searched this sub and news outlets and such for the last 3 weeks and took notes then fed them into an AI software asking it to summarize everything. In no way is this Financial Advice just a fun task. "The financial landscape for B. Riley Financial, Inc. showcases a dynamic narrative of operational resilience and strategic positioning. The company's recent activities reflect a strategic focus on managing debt obligations effectively while optimizing business segments for sustainable growth. The strategic review process for Great American Group retail liquidation and appraisal businesses is progressing, indicating a commitment to enhancing operational efficiency and value creation. In the earnings summary, a net loss of $51 million was reported, primarily driven by investment-related losses and professional services expenses. Despite these challenges, the company's strategic initiatives and operational performance remain robust, as highlighted in the earnings call. Executives Bryant Riley and Tom Kelleher emphasized the company's operational excellence and strategic direction, underscoring a commitment to shareholder value and sustainable growth. The company's strategic reviews and commitment to shareholder value remain steadfast amidst market volatility caused by short manipulation. Furthermore, the full redemption of $25,000,000 aggregate principal amount of 6.75% Senior Notes due 2024 signifies a proactive approach to managing debt and strengthening the company's financial position. This strategic move aligns with the company's focus on optimizing its capital structure and enhancing financial flexibility. Overall, B. Riley Financial's narrative is one of resilience, strategic foresight, and operational excellence in navigating market dynamics and challenges. The company's commitment to financial prudence, strategic reviews, and operational performance positions it well for sustained growth and value creation in the evolving financial landscape." Below is the data the AI used to create the summary. Just copy and pasted from a very quick and crude gathering of information into a word doc. I also enjoyed the earnings summary the AI did. The last line made me feel happy thoughts. - In summary, B. Riley Financial's first-quarter 2024 results underscore its strong operational foundation and strategic foresight, positioning it well for future growth and shareholder value creation. 1. Cohodes being loud and classless examples https://preview.redd.it/xymj94vp5f1d1.png?width=637&format=png&auto=webp&s=3d9f18f4f877f7fb518039bc78198e77e3fcd190 https://preview.redd.it/bxacg0bp5f1d1.png?width=975&format=png&auto=webp&s=9a4eba6a4a39457cc47661be5836008976b37fc6 https://preview.redd.it/q5kdr5qo5f1d1.png?width=975&format=png&auto=webp&s=14dcb5473ed7dcac4646eaba2b983806f32bd875 https://preview.redd.it/ky1hlc1o5f1d1.png?width=789&format=png&auto=webp&s=4c603719820d06ea91d9181ad3c41734a603b795 https://preview.redd.it/soco7bjn5f1d1.png?width=969&format=png&auto=webp&s=dfbcf20f984e391c51afcc89e46597d1d9dff6ad https://preview.redd.it/pwbnnwwr5f1d1.png?width=975&format=png&auto=webp&s=fe06146b727540c291825eda8db5f33b11e9e992 2. Discussion about FUD and shorts deception I see the shorts (Marc Cohoded and Co.) are still at it, trying to l use a fake psychological twist to cause doubt. Let's stick to the facts and let the price go where it will in the long term. Short thesis was and is there was fraud, both proven wrong by independent investigation and a clean independent audit if the 10-K and now 10-Q. You can slap that one around anyway you want, but both came up clean. First, they have stated their intentions of a sale of a carried undervalued asset (Great American) by a third party for a massive realized gain. Good for the investors and bond holders as they said they would use funds to deleveverage the balance sheet and buy back stock which already has very little float. Second, I have never seen a company that is paying dividends go under whith out, completely eliminating the dividends first (RILY still pays a dividend and baby bonds are all current--none are in any default). Third, business has been good with lots of new hires, new capital makets raises and fees and their business seems to be thriving. Shorts will try to mislead all of us with their lies and deciept but if we hold strong I believe that the stock will go to at least 50 ish in the short term where they did their secondary. I believe at that point, RILY may run into a bit of resistance. However, a squeeze could easily send us through that to new highs. Patience is the key as they have stated all this in their press releases in the recent past. If we al on this sitel just buy 100 to 1000 shares on Monday and hld through the 29th to get the dividends. this will rocket to new heights. This is not a recommendation, simply my thoughts. Do your own due diligence. 3.Stop lending shares=pain for shorts = short squeeze If all longs can stop lending shares at least I believe we can cause shorts to cover. There is no valid short narrative, both longs and shorts know this. Now itās purely who can hold out longer. Shorts have been very active as of late trying to push share price lower and with many of us loaning shares out we are actually helping the shorts hurt us. I believe if we stopped lending out shares borrow rate skyrockets and that added cost combined with dividend and gradual upward movement will force shorts to cover. Granted news release can help but we donāt need news we just need to stop lending and wait and see. 4. Link to short sale volume post https://www.reddit.com/RILYStock/comments/1ctwe9q/smoking_gun_thursday_dropped_because_shorts/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button https://preview.redd.it/hopdxkbt5f1d1.png?width=975&format=png&auto=webp&s=3945adf69a00addb0c2da4ea0c26b2a4de2749b3 5. Article showing RILY coming back https://www.investmentnews.com/broker-dealers/news/b-riley-bouncing-back-after-tough-winter-253448 6. Rily - Day 3 of short attacks - There's a positive Our favorite shorts cohodes&co is on overdrive releasing as much fake accusations as possible, they now have been adding a lot to their position at a higher price point with shares in the 30s, now the shorts cost basis has gotten worse for them. With more shares at a worst cost with dividends coming due as well as borrow fees , shorts have less wiggle room especially if stock goes to 40 again. Now at 40 I believe they will be losing money. With insiders hopefully buying soon and the company continuing their share buy back program , that can lead to upward movement in share price leading to the āsqueeze ā. 7. $RILY Earnings Summary Not financial advice. It was an interesting investor call, an almost boring call which was refreshing. The company had a net loss of $51m driven by non-cash items including $29m unrealized loss on investments and a $30m fair value adjustment on their loans. Cash flows were pretty good, with operating cash flows of $135m and adjusted operating EBITDA of $66m. Targus and American Freight contributed nothing this quarter, both companies are historically strong businesses but have been working through a business cycle post-COVID after many Americans bought the things they needed. Those companies should improve in the next year. The company previously announced a potential sale of Great American Group. Q-1 earnings for that segment increased to $35m of EBITDA, so at 10-12x a potential sale is looking like $350-$420m. On the call they said that is expected by early Q3. They also mentioned possibly looking at a sale in their Brands division later this year with the goal of retiring their discounted debt, citing it as an opportunity. The short thesis crumbled last month with a clean 10-K and two internal investigations which added an additional $7m in expense but presumably were quite thorough and completely debunked claims by bears. There are no shares available to borrow per Fintel: https://preview.redd.it/ukhk0tou5f1d1.png?width=975&format=png&auto=webp&s=0622973216e0293d7f2699c1b6eee3216824305e And short interest remains at approximately 65% with 9 million shares short, though the retail float is thought to be much smaller, maybe 2m shares. The company has $34m available at quarter end for buybacks from a previously approved program. I see value here, and I liked what I heard on the call. 8. Misconceptions - Rily Share Structure [THIS POST IS FOR EDUCATIONAL PURPOSES ONLY] mumen_rida There seems to be a lot of confusion about the companyās share structure and I would like to use this post to help not only my own understanding but also help others. Itās a bit confusing but letās tackle it together. I got this information from marketwatch: Total Float = 30 million shares Public float = 16 million shares Shares sold short = 9 million shares % of public float sold short = 56.38% According to fintel: Institutional ownership = 14.18 million shares So let me get this straight, there is 16 million shares in the public float and institutions own 89% of that (14.18 million shares). So that would mean retail investors collectively only have about 1.82 million shares to trade around amongst ourselves. Letās call that retail float. So, retail float = 1.82 million shares. Letās wrap up all the most important information (imo) regarding the current share structure and please correct me if any of the information I presented here today is false: Total float = 30m Public float = 16m Shares short = 9m Retail float = 1.82m Where I think it gets the most interesting is when you divide shares short by retail float. 9/1.82= 4.95 or 495% of retail float. Hope this helps clear up any confusion regarding the share structure. REPSONSE TO THIS BELOW EnvironmentalBreak48 ā¢3d ago THIS RESPONSE IS FOR EDUCATIONAL PURPOSES ONLY. NFA. Do your own DD, make your own decisions. Based on OP calculation. 1. Total Float: About 30 million shares. 2. Public Float: 16 million shares. 3. Shares Sold Short: 9 million shares. 4. % of Public Float Sold Short: 56.38%. 5. Institutional Ownership: 14.18 million shares. 6. Retail Float: 1.82 million shares (calculated as Public Float - Institutional Ownership). Given this information: Understanding Short InterestĀ· Shares Sold Short: About 9 million shares.Ā· Retail Float: 1.82 million shares. Ā· Short Interest as a Percentage of Retail Float: 9 million shares/1.82 million sharesā495% This high percentage indicates that the short interest is nearly five times the available retail float, which could lead to a short squeeze if investors hold onto their shares and/or demand increases. Days to Cover (Short Interest Ratio)The Days to Cover metric gives an estimate of how many days it would take for short sellers to cover their positions based on the average daily trading volume. Hereās how to calculate it:1. Determine the average daily trading volume (ADTV): This information is usually available on financial websites like MarketWatch or Yahoo Finance. Letās assume the ADTV is 1,000,000 shares (this is an example, you should use the actual ADTV for a more precise calculation). 2. Days to Cover: Shares Sold Short/ADTV Using our example ADTV: Days to Cover=9,000,000 (short shares)/1,000,000(Avg. Daily Volume)=9 days Days to Cover Potential ImplicationsĀ· High Short Interest Ratio: A high Days to Cover ratio suggests it would take a significant amount of time for shorts to cover their positions, which can lead to increased volatility.Ā· Potential for a Short Squeeze: With a high percentage of the retail float sold short, if retail investors decided to hold their shares and the stock price rises, short sellers may be forced to buy back shares at higher prices, leading to a potential short squeeze. Ā· Limited Retail Float: With only 1.82 million shares available for retail trading, any significant buying pressure from institutional investors and/or retail investors it could quickly drive up the stock price. 9. Why Even the Joker Thinks Youād Be a _____ For Not Taking A Look at RILY Stock Batman here. You might know me as the Dark Knight, the Caped Crusader, or the guy who really, really, really wants to own a spaceship. Today, straight from the Batcave, lets talk about something as exciting as racing the Batmobile or the return of Roaring KittyāRILY stock. First off, letās talk numbers, because even a superhero knows the importance of a strong financial foundation. RILY has been buying back shares like Alfred buys Bat-gadgetsāstrategically and frequently. This move isnāt just a nifty trick; IMO itās a signal that RILY is confident in its value. When a company buys back its own shares, itās like Batman investing in more Batarangsāitās a smart play that shows belief in future performance. But thatās not all, folks. The recent buzz around RILY isnāt just cat signals in the skyāitās grounded in solid developments. RILY had to work hard to file their 10K after all the mudslinging from the shorts, but got it done. The first big catalyst domino to fall. Now, letās get to the juicy partāearnings and dividends. RILYās about to drop their Q1 earnings tomorrow, and you know what that means? Dividends! Thatās right, folks. RILY is likely to declare a dividend, that our short friends will be paying. Dividends are like the Batmobileās turbo boostāan extra kick that gets you excited and propels you forward. Plus, once they file their Q, a few days later insiders should be able to start buying again. Form 4s anyone? Hereās where it gets really interesting: meme stocks are back with a vengeance, wow talk about a left jab, and shorts are on their heels. The RILY squeeze might start very soon or it might not, but with shorts potentially facing margin calls due to price movements in various holdings, and especially if theyāve been shorting RILY all the way down it has not been a good week for the shorts so far. Just look how RILY stock popped this morning on about 200k in volume. To add insult to injury, to date, NONE of the short thesis has come to fruition or has been confirmed by independent information. Theyāre in quicksand, and itās time to gas up the rocket. There are still several catalysts that may come into play here: Q1 Earnings Release: Scheduled to be filed tomorrow, providing insights into the company's recent performance. The deal flow on their website was up YoY. Dividend Announcements: Anticipated dividends right around the corner. Insider Buying: Once the Q1 earnings are filed, insiders should be able to buy stock again, expect to see some Form 4s in very short order. Sale of Great America Division: If RILY sales Great American, they have said the proceeds from this sale are expected to be used to reduce debt and fund further stock buybacks, potentially enhancing shareholder value. Low Float: With a limited number of shares available for trading, increased demand can lead to significant price movements. Buybacks: Ongoing buybacks can continue to support the stock price. Meme Stock Momentum: With meme stocks making a comeback, there's increased interest and activity in stocks that are short and that could drive up RILYās stock price. Short Squeeze Potential: Low public float, company buybacks, insider buyingā¦mix that up and you have the recipe for a potential squeeze. Roaring Kitty's Return: The return of Roaring Kitty, a key figure in the meme stock movement, brings renewed attention and excitement to the stock market in general. And, guess who just chimed in on RILY earlier today? That's rightāJeffAmazon from the GameStop meme trade and Netflix documentary! He made a little tweet tweet on $RILY Additional Catalysts: What do you all thinkā¦.. Stay vigilant, stay smart, and just my thoughtsādo your own due diligence and make your own decisions. NFA. 10. FAKE ARTICLE BULLSHIT FUDā¦ā¦ā¦ā¦ Well, IMO even Stevie Wonder can see that the latest article on FRG is just another hatchet job. IMO the problem with creating a narrative is that the facts canāt keep up, and boy, did they fall behind here. RILY conducted not one, but two independent investigations and found zilch issues with its FRG investment or loans made to Kahn. And guess what? No connection with Prophecy either. FRG did their own investigation and also found no connection with Prophecy. So, to call the relationship between RILY and FRG controversial is like calling a puppy dangerousālaughable. In RILY's 10k, they marked up their FRG investment FMV $281 million to $286 millionā¦ FRG's FY23 financials are public, and the attached table shows the maturities of their debt. In 2024, about $10.5 million in debt is maturing. Big deal. Looming debt? Hardly. The real kicker is in 2026 when about $1.5 billion of debt maturesānot this year, not next. LOL. The FRG financials clearly state they were in full compliance with their debt covenants in FY23 and fully expect to be in compliance in FY24. Yet, "the people" say FRG is down double digits in Q1. Funny timing with RILY's Q1 financials coming out on Wednesday, huh? And by the way, FRG's adjusted EBITDA for Q1 FY23 was $66 million, not the $62 million the article claims. Why not use the actual FRG public company number? Maybe because when you're rushing to write a hit piece, you just pick random numbers. https://www.globenewswire.com/en/news-release/2023/05/10/2665414/0/en/Franchise-Group-Inc-Announces-First-Quarter-Fiscal-Year-2023-Financial-Results.html So, according to the article, FRG is down 63% in revenue ($66 million vs. the alleged $25 million). Sure, FRG sold Badcock and Sylvan Learning, so they might be down YoY, but down 63%? FRG sold in FY24 Q1 Sylvan for $185 Million cashā¦.and theyāre worried about paying $10.5 million in long term debt due this year. Got it. https://www.franchisetimes.com/franchise_mergers_and_acquisitions/unleashed-brands-buys-sylvan-learning/article_a568813e-d4c7-11ee-bb32-1f85230cfdda.html https://preview.redd.it/lry689p16f1d1.png?width=975&format=png&auto=webp&s=0714b3b378abb528f0abb470ade0deb3d34c2d39 11. Post talking about NT-10Qā¢ https://www.reddit.com/RILYStock/comments/1crb1gp/new_filings_nt10q_13fh?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button 12. Friendly PSA: Manage your emotions Great Post Below talking about managing emotions during this trade. https://www.reddit.com/RILYStock/comments/1cqzskg/friendly_psa_manage_your_emotions/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button 13. RILY RS Article 76 to 83 https://www.investors.com/ibd-data-stories/b-riley-financial-shows-rising-price-performance-with-jump-to-83-rs-rating/ B. Riley Financial (RILY) saw a welcome improvement to its Relative Strength (RS) Rating on Thursday, with an increase from 76 to 83. IBD's proprietary rating tracks share price performance with a 1 (worst) to 99 (best) score. The score shows how a stock's price performance over the trailing 52 weeks stacks up against all the other stocks in our database. Over 100 years of market history reveals that the stocks that go on to make the biggest gains typically have an 80 or higher RS Rating as they begin their biggest climbs. Now is not an ideal time to jump in since it isn't near a proper buy zone, but see if the stock manages to form a base and break out. The company showed 0% EPS growth last quarter. Revenue rose -9%. The company is expected to report its latest earnings and sales numbers on or around May 15. The company earns the No. 24 rank among its peers in the Finance-Investment Banking/Brokers industry group. Interactive Brokers (IBKR), Piper Sandler (PIPR) and Ameriprise Financial (AMP) are among the top 5 highly rated stocks within the group. 14. Announcement of 2024 Annual Meeting June 21st https://www.sec.gov/ix?doc=/Archives/edgadata/0001464790/000121390024041725/ea0205510-01.htm 15. Repost: $RILY DD: The real price potential...when the stock is a solid/growing company (not just a squeeze). https://www.reddit.com/RILYStock/comments/1cnzff7/repost_rily_dd_the_real_price_potentialwhen_the/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button 16. $RILY- āThey can win by doing nothing 12 days ago Outrageous_Appeal_89 ā Whitebrook capital assessment addressing cohodes&co BS at the peak of their false accusations and in a polite way stating short funds were making things up (misinformation & manipulation ). It seems $RILY is executing on some of the recommendations Whitebrook capital had - share buy back and bond buy back has been executed and continues to be executed on. Whether you invest in $RILY for the long term prospects or the short squeeze that can be triggered any day as lie after lie is exposed. Bottom line is the fair value of $RILY is a lot higher then where it currently trades. We will get a better idea whether share prices deserves to be in the 50s or 60s as we get an update on GAG valuation. Seems many here forget that $RILY creates value by turning companies around and then monetize, this process takes time , they have been able to do this successfully, repeatedly over the years. https://preview.redd.it/uiisruq36f1d1.png?width=792&format=png&auto=webp&s=e6c32c04877ae21b51cb8a99cee0aef17cdb32c4 17. 3 Videos from Value Donāt Lie on Youtube talking about Financials of RILY and overall company valuation https://www.youtube.com/watch?v=kRenvff8duE&t=1s https://www.youtube.com/watch?v=EoaCZw7AmpA&t https://www.youtube.com/watch?v=7_Ayoox3fvM 18. Getting around the NBBO and Longing the Box So let this sink inā¦ the market opens and in 5 minutes we rally to $34.42, then over the next 15 minutes we drop to $28.80 at which point SSR was triggered and sell volume slows WAY the hell down. That drop was ALL short sellers and NO longs selling shares (otherwise the sell-off wouldnt have stopped literally minutes after SSR triggered). NOW, what the scumbag shorts are doing is going Long Against The Box. 19. Steve Cohen and Point 72 buy 24,917 shares long on May 15th https://preview.redd.it/fhdhyco46f1d1.png?width=975&format=png&auto=webp&s=6600f6a9a3f0bc5bc8823cddb5f52defdf282063 20. Summarize this earnings call and keep pertinent quotes and data in the summary. https://filecache.investorroom.com/mr5ir_briley2/925/RILY_1Q24_Earnings_Release_vFINAL.pdf Chat GPT Summary of the full report below B. Riley Financial, Inc. (NASDAQ: RILY) reported its first-quarter 2024 financial results, showcasing resilience and operational strength despite facing challenging market conditions and unique internal events. Here's a summary with a positive outlook: First Quarter2024 Highlights:1. Quarterly Dividend Declaration:
Leadership Insights:
Looking Ahead:B. Riley's strategic initiatives, such as debt reduction and selective investments, position the company for continued success. The ongoing strategic review of its Great American Group retail liquidation and appraisal businesses indicates a proactive approach to optimizing its portfolio. The firm remains committed to delivering value to its shareholders through dividends and operational excellence.In summary, B. Riley Financial's first-quarter 2024 results underscore its strong operational foundation and strategic foresight, positioning it well for future growth and shareholder value creation. 20. State of the Stock 15 days ago UF_Secret_Account Not financial advice, do your own research. Don't take advice from the internet, consult a professional financial advisor. On April 19th, the stock closed at $19.99. Today, it is over 50% higher after a positive 10-K clearing the company of fraud allegations. The stock touched $40 on April 26 and 29, a 100% gain from a week prior. The short interest has remained relatively consistent during the move, with 10-11 million shares still short. However, given the time lapsed, I think it's safe to assume that most of those shares were covered and re-shorted in the last two weeks. For future research, we should assume they have an average $35 entry on their short positions. 1st quarter earnings are coming soon. Like many of you, I am a little curious that it hasn't been announced yet, but I have no concerns with everything the company has on its plate. 10-Q's are unaudited and it's very unlikely there is anything to be concerned about, in my opinion. The company could be coming to the end of their strategic review for GAG. That will eventually result in some additional financial statement adjustments for presentation. I would expect 1st quarter earnings to be good based on their deal flow and reported transactions. In November 2023, the board approved $50m for stock buybacks. The company repurchased 728,330 shares at an average price of $21.85, but mainly bought shares in November. That's $16 million spent, and means the company had $34 million approved to buy back stock at year end. The program continues through October 2024. At our current price, that would be 1.1 million shares (3.3% of the outstanding stock). That is significant for a stock with this many outstanding shares, but more significant for the number of freely traded shares which is far less. How many times have we seen huge price moves on small blocks of shares? If the company adds $10-15 million to that program, that's another 300,000-500,000 shares. Again, it doesn't sound like a huge number but it would add pressure to what will become a dire situation for the shorts. The shorts may decide not to cover, or to continue the strategy of taking their losses and re-shorting, but their ability to influence the stock back to a level where they truly profit is nonexistent in my opinion, particularly when volume dies between market-moving events. I am eyeing the $50-$55 range as my price target in the next move up. 21. NOTE on FRG Independent Auditorās Report One of the positive things I see IMO was for the billion dollar loan that matures in 2026. āOn July 2, 2021, the Company repaid $182.1 million of principal of the First Lien Term Loan using cash proceeds from the sale of the Liberty Tax business. The prepayment also satisfied the requirements for the quarterly principal payments so no additional principal payments with respect to the First Lien Term Loans (excluding the Incremental First Lien Term Loan) are due until the First Lien Term Loan maturity date.ā To me this gives them some flexibility for their cash as there isnāt much long term debt due in 2024 or 2025. https://preview.redd.it/ib92t7e66f1d1.png?width=975&format=png&auto=webp&s=df286021b0653db92122e33df0ed37f1068a0c6c 22. on May 3rd Cohodes or someone else got media to report 4th quarter from last year as q1 earnings this year. Which was a lie and FUD https://preview.redd.it/nlau48276f1d1.png?width=623&format=png&auto=webp&s=832695b6c331c3df6dbcb861dc90551ee42a036a 23. B. Riley Financial Announces Full Redemption of 6.75% SR Notes Due 2024 17 days ago Wolfiger LOS ANGELES, May 1, 2024 /PRNewswire/ -- B. Riley Financial, Inc. (NASDAQ: RILY) ("B. Riley" or the "Company") today announced that it has called for the full redemption equal to $25,000,000 aggregate principal amount of its 6.75% Senior Notes due 2024 (the "Notes") on May 31, 2024 (the "Redemption Date"). The redemption price is equal to 100% of the aggregate principal amount, plus any accrued and unpaid interest up to, but excluding, the Redemption Date, as set forth in each notice of redemption delivered to noteholders on May 1, 2024. https://ir.brileyfin.com/2024-05-01-B-Riley-Financial-Announces-Full-Redemption-of-6-75-Senior-Notes-due-2024 24. 8k filed May 1st for Nasdaq Compliance 25. Found management bonus if above 136 by October. Did anybody else know that a part of managements comp was in the form of Performance-based Restricted Stocks Units with a vesting date of 10/27/24 AND A HURDLE PRICE OF $135?!? https://preview.redd.it/wo2uh54k5f1d1.png?width=547&format=png&auto=webp&s=8b6dedf28ec845b2170647674f5b39b6eaac96a1 |
2024.05.19 19:30 Dwi_Princess Managing an incarcerated personās debt
I have a family member whose finances (and other affairs) Iāll be handling while they are incarcerated. Iāve obtained a power of attorney on their behalf.
This person has lots of debt, over $40,000 in credit card, personal loan, and vehicle financing. Iām at a bit of a loss as to what my first course of action should be. There is no income and no one would be able to take on any of the debts. The person doesnāt have any dependents.
I sort of looked into filing for bankruptcy, but not really clear whether this would be the best option. If I let all his debts default, then his credit history would zero out anyway, correct? The person wonāt need any credit any time soon anyway and in the future when the time comes, I may be the one who makes decisions and responsible for them (they will be my dependent).
Any and all suggestions welcome.
submitted by Dwi_Princess to FinancialPlanning [link] [comments]
This person has lots of debt, over $40,000 in credit card, personal loan, and vehicle financing. Iām at a bit of a loss as to what my first course of action should be. There is no income and no one would be able to take on any of the debts. The person doesnāt have any dependents.
I sort of looked into filing for bankruptcy, but not really clear whether this would be the best option. If I let all his debts default, then his credit history would zero out anyway, correct? The person wonāt need any credit any time soon anyway and in the future when the time comes, I may be the one who makes decisions and responsible for them (they will be my dependent).
Any and all suggestions welcome.
2024.05.19 19:21 UnabashedRainbow C&F - Sent to Collections
I had a medical issue occur earlier this year and racked up medical bills. I wasnāt able to make payments because I just couldnāt afford it and Iāve been busy with figuring out how to pay for essentials & just stay afloat. I applied for financial assistance but itās been under review and the 90 day period since my initial bill has passed so I found out that I got sent to collections yesterday. Iām calling first thing tomorrow to see if I can get the debt recalled from collections and getting set up on a payment plan. Iāve already realized that Iāll likely have to amend my bar application and report this to the bar - but Iām wondering if this will sabotage me completely since this is something actively occurring right after graduating from law school (as opposed to a debt from years ago). Would getting the debt recalled be more beneficial in my case? Not banking on it completely, so Iām also trying to figure out what would happen in the worst case scenario, which Iām assuming is keeping it in collections. Definitely freaking out a bit! Thanks in advance.
submitted by UnabashedRainbow to LawSchool [link] [comments]
2024.05.19 18:48 testclm How screwed am I (Debt advice needed )
Hi guys,
So my (32m) situation is this:
I have managed to amass a pretty large amount of debt. I think itās around Ā£40,000 right now. The debt is credit cards and personal loans. I have never missed a payment in my life. Although my credit score isnāt great as I am so borrowing so much.
I am fortunate enough to earn Ā£70,000 per year and last year for example I received a Ā£10,000 bonus which went mostly in to paying off debt. Itās also worth noting that I own nothing of large value, no mortgage, no car etc as I have been travelling around and digital nomading for a good few years now.
I wonāt go too much in to why my debt is so high but last year my wife went into labour prematurely in a foreign country. My daughter had to stay in NICU for 15 days and my wife was very close to dying too, as this was in a foreign country, I had to pay the whole bill. That ended up being around Ā£30,000 which I got an unsecured personal loan upfront for.
Since then my debt has just been getting out of hand a bit as Iāve been having to borrow to keep up with stuff.
Right now I am paying about Ā£1500 in repayments, no crazy interest rates or missed payments yet. Itās a lot but itās been manageable thus far.
My issue is with my return to the UK, with rent, bills etc, Iām going to have no money left after my debt payments come out. This was fine before as I was living in a much cheaper country.
Iām honestly considering just not making the monthly payments on a few of my loans and prioritising other loans? Or is that ridiculous? What about bankruptcy? Or is that again ridiculous considering Iāve never even missed a single payment?
Iāve never been in this situation and always been quite fortunate with money so Iām a bit at a loss. My only saving grace is my monthly earnings are still decent-ish. Iāve also got a debt which is Ā£335 per month paid off in November.
Any advice on what to do?
I did speak to Stepchange and they seemed to just think I could afford my repayments which I canāt. I assume itās because Iāve never missed a payment and earn an OK amount.
TLDR: 40k-ish debt in credit cards and personal loans, earn around Ā£70k, 32 years old, monthly payments were OK before and never missed a payment but now thatās changed as monthly spending is needing to increase. No idea what to do as never been in debt before.
submitted by testclm to UKPersonalFinance [link] [comments]
So my (32m) situation is this:
I have managed to amass a pretty large amount of debt. I think itās around Ā£40,000 right now. The debt is credit cards and personal loans. I have never missed a payment in my life. Although my credit score isnāt great as I am so borrowing so much.
I am fortunate enough to earn Ā£70,000 per year and last year for example I received a Ā£10,000 bonus which went mostly in to paying off debt. Itās also worth noting that I own nothing of large value, no mortgage, no car etc as I have been travelling around and digital nomading for a good few years now.
I wonāt go too much in to why my debt is so high but last year my wife went into labour prematurely in a foreign country. My daughter had to stay in NICU for 15 days and my wife was very close to dying too, as this was in a foreign country, I had to pay the whole bill. That ended up being around Ā£30,000 which I got an unsecured personal loan upfront for.
Since then my debt has just been getting out of hand a bit as Iāve been having to borrow to keep up with stuff.
Right now I am paying about Ā£1500 in repayments, no crazy interest rates or missed payments yet. Itās a lot but itās been manageable thus far.
My issue is with my return to the UK, with rent, bills etc, Iām going to have no money left after my debt payments come out. This was fine before as I was living in a much cheaper country.
Iām honestly considering just not making the monthly payments on a few of my loans and prioritising other loans? Or is that ridiculous? What about bankruptcy? Or is that again ridiculous considering Iāve never even missed a single payment?
Iāve never been in this situation and always been quite fortunate with money so Iām a bit at a loss. My only saving grace is my monthly earnings are still decent-ish. Iāve also got a debt which is Ā£335 per month paid off in November.
Any advice on what to do?
I did speak to Stepchange and they seemed to just think I could afford my repayments which I canāt. I assume itās because Iāve never missed a payment and earn an OK amount.
TLDR: 40k-ish debt in credit cards and personal loans, earn around Ā£70k, 32 years old, monthly payments were OK before and never missed a payment but now thatās changed as monthly spending is needing to increase. No idea what to do as never been in debt before.
2024.05.19 18:42 Reality_hurts_srsly Thoughts on higher income people going to the food pantry?
I have a less anonymous username that I post here under to give advice on coping with poverty as I grew up on welfare, went to college on Pell grants, and have been eeking out a middle class existence for well over a decade.
My spouse has been struggling with mental health and addiction. He hasnāt worked for 2 years, but as the primary āstay at homeā parent for 12 years this wasnāt a financial shock. What WAS a financial shock was he suddenly stopped proactively managing debt, doing things like saving up thousands in cash for months instead of pay credit cards and letting the interest get out of hand for no reason. There was no logic to it, he has something like OCD and was obsessing/ruminating over a $7k debt he was hiding from me and let $25k debt accumulate over 2 years; much of it just interest from paying minimum payments only until the cards were maxed.
Anyways, itās so bad Iām thinking we need to sell our only vehicle and to pay a few things down. I cannot quality for a debt consolidation loan even, nor can I qualify for bankruptcy because my income and total debts donāt make it possible (to protect against defrauding creditors you have to be TRULY f-ed and Iām not quite there). I have no idea how to dig out of this hole; I can try to negotiate with each creditor but this happened to me when I was 22 with a single credit card and it took about 5 years for my credit score to recoverā¦thatās almost as bad as bankruptcy without the advantage of discharging much debt.
At least one significant debt from a Lending Club loan is willing to go to āinterest onlyā for 90 days, and my husband started a job this week, so Iām trying to form a plan where weāre pay enough down over 3 months to then be able to get a debt consolidation loan.
I researched food pantries and found a church with no income requirement. I am mortified to do this but they have a USDA disclaimerāitās the same as the government food boxes I grew up on. They also do a āproduce giveawayā once per month. I estimate I could save $500, this is huge to me right now.
My one vehicle is newer, like 2020. I have to drive up in this shiny late model truck; it feels so shameful. Should I leave this food for the truly poor? I do have an alternative: I can close every credit card one by one and negotiate the interest and repayment, but I will be left with a trash credit score and may not be able to refinance my home when interest rates come down or buy my next vehicle with decent financing.
Honest opinions are welcome. So is advice on debt management.
submitted by Reality_hurts_srsly to povertyfinance [link] [comments]
My spouse has been struggling with mental health and addiction. He hasnāt worked for 2 years, but as the primary āstay at homeā parent for 12 years this wasnāt a financial shock. What WAS a financial shock was he suddenly stopped proactively managing debt, doing things like saving up thousands in cash for months instead of pay credit cards and letting the interest get out of hand for no reason. There was no logic to it, he has something like OCD and was obsessing/ruminating over a $7k debt he was hiding from me and let $25k debt accumulate over 2 years; much of it just interest from paying minimum payments only until the cards were maxed.
Anyways, itās so bad Iām thinking we need to sell our only vehicle and to pay a few things down. I cannot quality for a debt consolidation loan even, nor can I qualify for bankruptcy because my income and total debts donāt make it possible (to protect against defrauding creditors you have to be TRULY f-ed and Iām not quite there). I have no idea how to dig out of this hole; I can try to negotiate with each creditor but this happened to me when I was 22 with a single credit card and it took about 5 years for my credit score to recoverā¦thatās almost as bad as bankruptcy without the advantage of discharging much debt.
At least one significant debt from a Lending Club loan is willing to go to āinterest onlyā for 90 days, and my husband started a job this week, so Iām trying to form a plan where weāre pay enough down over 3 months to then be able to get a debt consolidation loan.
I researched food pantries and found a church with no income requirement. I am mortified to do this but they have a USDA disclaimerāitās the same as the government food boxes I grew up on. They also do a āproduce giveawayā once per month. I estimate I could save $500, this is huge to me right now.
My one vehicle is newer, like 2020. I have to drive up in this shiny late model truck; it feels so shameful. Should I leave this food for the truly poor? I do have an alternative: I can close every credit card one by one and negotiate the interest and repayment, but I will be left with a trash credit score and may not be able to refinance my home when interest rates come down or buy my next vehicle with decent financing.
Honest opinions are welcome. So is advice on debt management.
2024.05.19 18:13 Civil_Confidence6737 Would opening a fixed deposit improve CBS for someone that got a HH rating or just wait it out?
So in context, I'm looking to invest in a joint private asset with my gf. We both will take a loan for this and I'm surprised her rating came back as HH.
I knew she had hard times during COVID years (job loss and having to support her parents etc). Which meant she defaulted on a string of credit prior. But that was temporary. Essentially she paid off all her debt which was under 10k in total with 2 banks. One fully paid up in 2021 and the other last year ie. 2023 Jan/Feb. She makes a decent 80-90k a year, has a decent stock portfolio and cash savings, no outstanding mortgage and never been in bankruptcy.
She has no existing debt, has a good income and is generally someone who never lets me pay for her, so I know her rating is simply unfortunate due to the last few year's circumstances.
We asked our FA acquaintance what steps she can take to improve her rating. Would like some feedback if the below is true and if anyone has had the same thing and got out of it to improve their rating. Here's what he told us:
TLDR: what steps have you done to help improve your HH CBS?
submitted by Civil_Confidence6737 to singaporefi [link] [comments]
I knew she had hard times during COVID years (job loss and having to support her parents etc). Which meant she defaulted on a string of credit prior. But that was temporary. Essentially she paid off all her debt which was under 10k in total with 2 banks. One fully paid up in 2021 and the other last year ie. 2023 Jan/Feb. She makes a decent 80-90k a year, has a decent stock portfolio and cash savings, no outstanding mortgage and never been in bankruptcy.
She has no existing debt, has a good income and is generally someone who never lets me pay for her, so I know her rating is simply unfortunate due to the last few year's circumstances.
We asked our FA acquaintance what steps she can take to improve her rating. Would like some feedback if the below is true and if anyone has had the same thing and got out of it to improve their rating. Here's what he told us:
- Her rating should be updated 2 yrs after her last settlement, so she can revisit her report again next year ie. 2025 Jan/Feb.
- Put 10k into a fixed deposit with any bank meanwhile so that it helps uplift her rating over time by the time her rating is 'updated' in 2025.
TLDR: what steps have you done to help improve your HH CBS?
2024.05.19 18:12 anon1mo56 Treaties of Cordoba translated by me
TREATIES OF CĆRDOBA
TREATIES CELEBRATED IN THE VILLA OF CĆRDOBA ON THE 24TH OF THE PRESENT, BETWEEN MR. DON JUAN DE O'DONOJĆ, LIEUTENANT GENERAL OF THE ARMIES OF SPAIN, AND DON AGUSTĆN DE ITURBIDE, FIRST CHIEF OF THE IMPERIAL MEXICAN ARMY OF THE THREE GUARANTEES.
Pronounced for New Spain the independence of the old, having an army that supported this pronouncement, the provinces of the kingdom decided for it, the capital was besieged where the legitimate authority had been deposed, and when only the town squares remained of Veracruz and Acapulco remained for the European goverment, unguarded and without means of resisting a well-directed siege that would last for some time, Lieutenant General Don Juan de O'DonojĆŗ arrived at the first port, with the character and representation of captain general and superior political leader[viceroy] of this kingdom , appointed by His Majesty, who, eager to avoid the evils that afflict people in altercations of this kind, and trying to reconcile the interests of both Spains, invited the first chief of the imperial army, Don AgustĆn de Iturbide, to an interview in which the great enterprise of independence was discussed, unleashing without breaking the bonds that united the two continents. The interview was done in the town of CĆ³rdoba on August 24, 1821, and with the representation of his character in the first, and that of the Mexican Empire in the second, after having conferred in depth about what was most convenient for both nations. Taking into account the current state and the latest occurrences, they agreed on the following articles, which they signed in duplicate to give them all the consolidation that this type of documents are capable of, keeping an original each in their possession for greater security and validation:
Art. 1. This America will be recognized as a sovereign and independent nation, and will be called from now on āMexican Empireā.
2nd. The government of the Empire will be a moderate constitutional monarchy.
3rd. It will be called to reign in the Mexican Empire (after an oath designated by article 4 of the plan of independece), firstly Mr. Don Ferdinand VII, Catholic King of Spain; and for his resignation or non-admission, his brother the Most Serene Lord Infante Don Carlos; for his resignation or non-admission, the Most Serene Lord Infante Don Francisco de Paula; for his resignation or non-admission, the Most Serene Lord Don Carlos Luis, infante of Spain, formerly heir of Etruria, today of Luca; and by resignation or non-admission of this, the one that the Courts of the Empire designate.
4th. The Emperor will establish his court in Mexico, which will be the capital of the Empire.
5th. Two commissioners will be appointed by His Excellency Mr. O'DonojĆŗ, who will go to the Court of Spain to place in the royal hands of Mr. Don Ferdinand VII a copy of this treaty and the exhibition that will accompany it, so that it may serve H.M. has record while the Cortes offer him the crown with all the formalities and guarantees that a matter of such importance demands, and beg His Majesty. That in the case of article III, you designate to notify the Most Serene Lords Infantes called in the same article by the order in which they are named, interposing their benign influence so that it is one of the designated persons of their august house who come to this Empire, which is why the prosperity of both nations is interested in it, and for the satisfaction that the Mexicans will receive in adding this to the bonds of friendship with which they can and want to have with the Spaniards.
6th. A Junta will be composed immediately, composed of the first men of the Empire by their virtues, by their destinies, by their fortunes, representation and opinion, of those who are designated by general opinion, whose number is considerable enough for the meeting of ilustration to ensure correctness in its determinations, which will be emanations of the authority and powers granted to them by the following articles.
7th. The Junta referred to in the previous article will be called the Provisional Governing Junta.
8th. Lieutenant General Don Juan de O'DonojĆŗ will be an individual of the Provisional Government Junta, in consideration of the convenience of a person of his class having an active and immediate part in the government, and that it is essential to omit some of that were indicated in the expressed plan in accordance with its same spirit.
9th. The Provisional Governing Junta will have a president appointed by itself, and whose election will fall on one of the individuals within it or outside it, who meets the absolute plurality of votes, which if in the first vote is not verified , a second vote will be taken, with the two who have obtained the most votes entering.
Signed
āAgustĆn de Iturbide.āJuan de OāDonojĆŗ.āIt is faithful copy of its original.āJosĆ© DomĆnguez.āIt is a faithful copy of the original that remains in this general command.āJose JoaquĆn Herrera.āAs assistant secretary, TomĆ”s IllaƱez.
submitted by anon1mo56 to monarchism [link] [comments]
TREATIES CELEBRATED IN THE VILLA OF CĆRDOBA ON THE 24TH OF THE PRESENT, BETWEEN MR. DON JUAN DE O'DONOJĆ, LIEUTENANT GENERAL OF THE ARMIES OF SPAIN, AND DON AGUSTĆN DE ITURBIDE, FIRST CHIEF OF THE IMPERIAL MEXICAN ARMY OF THE THREE GUARANTEES.
Pronounced for New Spain the independence of the old, having an army that supported this pronouncement, the provinces of the kingdom decided for it, the capital was besieged where the legitimate authority had been deposed, and when only the town squares remained of Veracruz and Acapulco remained for the European goverment, unguarded and without means of resisting a well-directed siege that would last for some time, Lieutenant General Don Juan de O'DonojĆŗ arrived at the first port, with the character and representation of captain general and superior political leader[viceroy] of this kingdom , appointed by His Majesty, who, eager to avoid the evils that afflict people in altercations of this kind, and trying to reconcile the interests of both Spains, invited the first chief of the imperial army, Don AgustĆn de Iturbide, to an interview in which the great enterprise of independence was discussed, unleashing without breaking the bonds that united the two continents. The interview was done in the town of CĆ³rdoba on August 24, 1821, and with the representation of his character in the first, and that of the Mexican Empire in the second, after having conferred in depth about what was most convenient for both nations. Taking into account the current state and the latest occurrences, they agreed on the following articles, which they signed in duplicate to give them all the consolidation that this type of documents are capable of, keeping an original each in their possession for greater security and validation:
Art. 1. This America will be recognized as a sovereign and independent nation, and will be called from now on āMexican Empireā.
2nd. The government of the Empire will be a moderate constitutional monarchy.
3rd. It will be called to reign in the Mexican Empire (after an oath designated by article 4 of the plan of independece), firstly Mr. Don Ferdinand VII, Catholic King of Spain; and for his resignation or non-admission, his brother the Most Serene Lord Infante Don Carlos; for his resignation or non-admission, the Most Serene Lord Infante Don Francisco de Paula; for his resignation or non-admission, the Most Serene Lord Don Carlos Luis, infante of Spain, formerly heir of Etruria, today of Luca; and by resignation or non-admission of this, the one that the Courts of the Empire designate.
4th. The Emperor will establish his court in Mexico, which will be the capital of the Empire.
5th. Two commissioners will be appointed by His Excellency Mr. O'DonojĆŗ, who will go to the Court of Spain to place in the royal hands of Mr. Don Ferdinand VII a copy of this treaty and the exhibition that will accompany it, so that it may serve H.M. has record while the Cortes offer him the crown with all the formalities and guarantees that a matter of such importance demands, and beg His Majesty. That in the case of article III, you designate to notify the Most Serene Lords Infantes called in the same article by the order in which they are named, interposing their benign influence so that it is one of the designated persons of their august house who come to this Empire, which is why the prosperity of both nations is interested in it, and for the satisfaction that the Mexicans will receive in adding this to the bonds of friendship with which they can and want to have with the Spaniards.
6th. A Junta will be composed immediately, composed of the first men of the Empire by their virtues, by their destinies, by their fortunes, representation and opinion, of those who are designated by general opinion, whose number is considerable enough for the meeting of ilustration to ensure correctness in its determinations, which will be emanations of the authority and powers granted to them by the following articles.
7th. The Junta referred to in the previous article will be called the Provisional Governing Junta.
8th. Lieutenant General Don Juan de O'DonojĆŗ will be an individual of the Provisional Government Junta, in consideration of the convenience of a person of his class having an active and immediate part in the government, and that it is essential to omit some of that were indicated in the expressed plan in accordance with its same spirit.
9th. The Provisional Governing Junta will have a president appointed by itself, and whose election will fall on one of the individuals within it or outside it, who meets the absolute plurality of votes, which if in the first vote is not verified , a second vote will be taken, with the two who have obtained the most votes entering.
- The first step of the Provisional Governing Junta will be to make a statement to the public of its installation and reasons for bringing it together, with any other explanations it deems appropriate to enlighten the people about their interests and way of proceeding in the election of deputies to the Cortes, which will be discussed later.
- The Provisional Governing Junta will appoint, following the election of its president, a regency composed of three people from within it or outside it, in whom the executive power resides and who governs in the name of the monarch, until he takes control, of the scepter of the Empire.
- Once installed, the Provisional Governing Junta will govern temporarily in accordance with current laws in everything that does not oppose the Plan of Iguala, and while the Cortes form the constitution of the State.
- The regency, immediately after being appointed, will proceed to convene the Cortes in accordance with the method determined by the Provisional Governing Junta, which is in accordance with the spirit of article 24 of the aforementioned plan.
- The executive power resides in the regency, the legislative power in the Cortes; But as there must be some time before they meet, so that both do not fall under the same authority, the Junta will exercise legislative power, first, for cases that may occur and that do not give time to waite for first meeting of the Cortes and then it will proceed according to the regency; second, to serve the regency as an auxiliary and advisory body in its determinations.
- Every person who belongs to a society, altering the system of government, or passing the country into the power of another prince, remains in the state of natural freedom to move with his fortune wherever it suits him, without there being a right to deprive him of this freedom, unless he has contracted some debt with the society to which he belonged by crime, or in another of the ways known to publicists: in this case there are the Europeans living in New Spain and the Americans residing in the peninsula; Consequently, they will be arbitrators to remain adopting this or that country, or to request their passport, which cannot be denied, to leave the Empire at the predetermined time, taking or bringing their families and property; but satisfying at the exit by the latter, the export rights established or to be established by whoever can do so.
- The previous alternative will not take place with respect to public or military employees who are notoriously disaffected to Mexican independence; but that these will necessarily leave the Empire within the term that the regency prescribes, carrying their interests and paying the rights mentioned in the previous article.
- Since the occupation of the capital by the troops of the peninsula is an obstacle to the realization of this treaty, it is essential to overcome it; but as the first chief of the imperial army, uniting his feelings with those of the Mexican nation, he wishes not to achieve it with force, for which he has plenty of resources, despite the value and perseverance of said peninsular troops, due to lack of means and resources to support themselves against the system adopted by the entire nation, Don Juan de O'DonojĆŗ offers to use his authority so that these troops can departure without bloodshed and through an honorable capitulation.
Signed
āAgustĆn de Iturbide.āJuan de OāDonojĆŗ.āIt is faithful copy of its original.āJosĆ© DomĆnguez.āIt is a faithful copy of the original that remains in this general command.āJose JoaquĆn Herrera.āAs assistant secretary, TomĆ”s IllaƱez.
2024.05.19 18:08 Background-Chicken-7 Letās talk about the founder of FFIE - YT Jia
Foreword: First of all thanks for having a positive community here. I am from the far east so apologies for my poor use of English in advance. I hold about 14.8k shares myself and believe this is gonna be a long war. So I guess itās wise for us to understand a bit on what (or who) we are actually investing in. Treat it as a casual read if you wish. This post might be an unpopular opinion. Also most of contents below are researched on Chinese websites. I am merely a translator and this is not an investment advice at all. Also please point it out if any of the contents are inaccurate.
TLDR: YT Jia doesnāt have a good reputation here with his previous business (LeTV) in China. FFIEās main selling point now is that they are the only Chinese EV manufacturer based in the US. Few days ago Biden imposed a 100% tariff (up from 25%) on EVs from China, and it might be possible that Chinese EV manufacturers will seek collaboration with FFIE to bypass the tariff.
Yueting Jia (YT Jia) is a businessman from China. He was the founder of LeTV in China in the 2000s.
LeTV first started as an online video sharing platform in 2005 and later on streams movies, TV programs and even livestreams sports events (Just imagine it was the Youtube and Netflix of China, but not as successful). LeTV was listed in China in 2010 and declared that they already achieved breakeven back in 2008.
In mid 2010s LeTV stated their intentions of building EVs in China and the US. Faraday Future was founded in 2014 by YT Jia and he left LeTV (but still the business owner I believe) and physically left China (and never returned) in July 2017 to focus on the EV business (he claimed). LeTV was in deep financial troubles and media start reporting in Oct 2017 that the IPO in 2010 was a financial fraud (No way that the company was breaking even back then).
He was on the national debtor blacklist in Dec 2017 as he āescapedā China and left all his debts behind. All assets were froze by the CCP government. He received a CNY 241M fine in 2021 for financial fraud from 2007-2016 at LeTV.
Meanwhile in the US, FFIE and Jia himself werenāt doing any better. FFIE was originally backed by Chinese real estate conglomerate Evergrande in 2018 (for around USD $700M). The first payment of USD $500M was spent (or disappeared) without any explanation or justification to Evergrande, and they brought Jia to court for the lack of financial transparency in FFIE. After the court case, the court froze Jiaās assets and stakes in FFIE and he personally filed bankruptcy in 2019.
Fast forward to 2024, Jia filed a court case against his former employee Lei Ding. Ding joined the EV segment of LeTV back in 2014 and followed Jia to FFIE in 2015. He left in 2017 and set up his own EV company (HiPhi) in China. HiPhi targets the high end Chinese EV market with car models selling at CNY 600k-800k price points. They were actually sensational in China and sold around 10,000 cars in a few years time, but eventually stopped production in 2024 due to lack of funding.
Jia sues Ding in 2024 for stealing FFIEās intellectual property and business confidential information to use on HiPhi EV products. What I wanted to point out here, is that if FFIE really takes off with our support and Jia isnāt a scam at all, their products may actually look like HiPhi. Search The Faraday Future FF91 on Youtube channel āVehicle Virginsā and Hiphi X on ācarwowā.
Recently Jia starts livestreaming on his social media platforms, mainly on commenting his competitors (e.g. the highly successful Xiaomi SU7 EV as well as the HiPhi cases). Rumours believed that he wants to leverage on his personal reputation to generate extra income from livestreaming, as well as media exposure for FFIE to collaborate with Chinese EV manufacturers in future.
Biden imposed a 100% tariff (up from 25%) on Chinese EVs to protect US jobs on 14 May. It coincided with the uprise of FFIE stocks. The Chinese commentators are linking FFIE with the tariff lately, claiming that with FFIEās infrastructure and establishment in the US, and Jiaās connection and experiences with the Chinese market, the Chinese EV companies may use FFIE as a platform to launch and even manufacture EVs in the US.
With Jiaās track records, heās not a popular figure in the Chinese world. Most of the Chinese-language forums are bearish on FFIEās future, and personally I am still not fully convinced on FFIEās long term future.
What I have faith on is Jiaās business insights - be it LeTV back in the 2000s when video streaming is still not a thing at all in China, or introducing EVs in 2014 when Tesla and the concept of EVs are still relatively new to China. With the huge support here, media coverage and all that financial indications (looking at the short interest and everything), I believe we can achieve something out there and hence encouraging everyone to study about what we are actually investing in.
If you read til here, thank you very much for your support. I type everything myself (with no bots, no Google translation, no Chatgpt nothing) and I am not a bot. Just here to share my insights and wish everyone of us are well informed on our investment decisions. Itās our hard earn cash that we are investing in and we shouldnāt treat it like gambling. Again this is not investment advices and I canāt say I really like FFIE, but I like this community and all the positives you all contributing, so thanks all for reading this, supporting each other and wish us all a successful fight on Monday and onwards. HODL ššš»
submitted by Background-Chicken-7 to FFIE [link] [comments]
TLDR: YT Jia doesnāt have a good reputation here with his previous business (LeTV) in China. FFIEās main selling point now is that they are the only Chinese EV manufacturer based in the US. Few days ago Biden imposed a 100% tariff (up from 25%) on EVs from China, and it might be possible that Chinese EV manufacturers will seek collaboration with FFIE to bypass the tariff.
Yueting Jia (YT Jia) is a businessman from China. He was the founder of LeTV in China in the 2000s.
LeTV first started as an online video sharing platform in 2005 and later on streams movies, TV programs and even livestreams sports events (Just imagine it was the Youtube and Netflix of China, but not as successful). LeTV was listed in China in 2010 and declared that they already achieved breakeven back in 2008.
In mid 2010s LeTV stated their intentions of building EVs in China and the US. Faraday Future was founded in 2014 by YT Jia and he left LeTV (but still the business owner I believe) and physically left China (and never returned) in July 2017 to focus on the EV business (he claimed). LeTV was in deep financial troubles and media start reporting in Oct 2017 that the IPO in 2010 was a financial fraud (No way that the company was breaking even back then).
He was on the national debtor blacklist in Dec 2017 as he āescapedā China and left all his debts behind. All assets were froze by the CCP government. He received a CNY 241M fine in 2021 for financial fraud from 2007-2016 at LeTV.
Meanwhile in the US, FFIE and Jia himself werenāt doing any better. FFIE was originally backed by Chinese real estate conglomerate Evergrande in 2018 (for around USD $700M). The first payment of USD $500M was spent (or disappeared) without any explanation or justification to Evergrande, and they brought Jia to court for the lack of financial transparency in FFIE. After the court case, the court froze Jiaās assets and stakes in FFIE and he personally filed bankruptcy in 2019.
Fast forward to 2024, Jia filed a court case against his former employee Lei Ding. Ding joined the EV segment of LeTV back in 2014 and followed Jia to FFIE in 2015. He left in 2017 and set up his own EV company (HiPhi) in China. HiPhi targets the high end Chinese EV market with car models selling at CNY 600k-800k price points. They were actually sensational in China and sold around 10,000 cars in a few years time, but eventually stopped production in 2024 due to lack of funding.
Jia sues Ding in 2024 for stealing FFIEās intellectual property and business confidential information to use on HiPhi EV products. What I wanted to point out here, is that if FFIE really takes off with our support and Jia isnāt a scam at all, their products may actually look like HiPhi. Search The Faraday Future FF91 on Youtube channel āVehicle Virginsā and Hiphi X on ācarwowā.
Recently Jia starts livestreaming on his social media platforms, mainly on commenting his competitors (e.g. the highly successful Xiaomi SU7 EV as well as the HiPhi cases). Rumours believed that he wants to leverage on his personal reputation to generate extra income from livestreaming, as well as media exposure for FFIE to collaborate with Chinese EV manufacturers in future.
Biden imposed a 100% tariff (up from 25%) on Chinese EVs to protect US jobs on 14 May. It coincided with the uprise of FFIE stocks. The Chinese commentators are linking FFIE with the tariff lately, claiming that with FFIEās infrastructure and establishment in the US, and Jiaās connection and experiences with the Chinese market, the Chinese EV companies may use FFIE as a platform to launch and even manufacture EVs in the US.
With Jiaās track records, heās not a popular figure in the Chinese world. Most of the Chinese-language forums are bearish on FFIEās future, and personally I am still not fully convinced on FFIEās long term future.
What I have faith on is Jiaās business insights - be it LeTV back in the 2000s when video streaming is still not a thing at all in China, or introducing EVs in 2014 when Tesla and the concept of EVs are still relatively new to China. With the huge support here, media coverage and all that financial indications (looking at the short interest and everything), I believe we can achieve something out there and hence encouraging everyone to study about what we are actually investing in.
If you read til here, thank you very much for your support. I type everything myself (with no bots, no Google translation, no Chatgpt nothing) and I am not a bot. Just here to share my insights and wish everyone of us are well informed on our investment decisions. Itās our hard earn cash that we are investing in and we shouldnāt treat it like gambling. Again this is not investment advices and I canāt say I really like FFIE, but I like this community and all the positives you all contributing, so thanks all for reading this, supporting each other and wish us all a successful fight on Monday and onwards. HODL ššš»
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. Itās 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 canāt 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 itāll by the same guy. Will he roast me and call it fraud because Iāve 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. Iām 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. Itās 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 canāt 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 itāll by the same guy. Will he roast me and call it fraud because Iāve 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. Iām panicking!
2024.05.19 16:04 oneil1st Bankruptcy for my sister?
Question for all. My sister is basically a piece of garbage (28yr old) . Sheās had shitty jobs for a long time and has lived with my parents for the last 4 years and her boyfriend before. She has no money saved up and a decent amount of debt in personal loans and credit cards, I donāt know exact total. She just got her second DUI and totaled her car that also didnāt have insurance, owes 8k on it still and my parents co-signed for it as well. She wonāt be able to drive for a while and will have more fines and fees coming up.
My question is is bankruptcy a route she should take? My fear is she will drain all of my parents money as they try and pay her life off and drive her around while she canāt, for the foreseeable future. I feel bankruptcy could help her get a fresh start but donāt know much about it, and am not sure if the car loan my parents co-signed would just go to them then anyways.
Any ideas or advice is helpful, thank you! Sheās in Michigan btw.
submitted by oneil1st to legaladvice [link] [comments]
My question is is bankruptcy a route she should take? My fear is she will drain all of my parents money as they try and pay her life off and drive her around while she canāt, for the foreseeable future. I feel bankruptcy could help her get a fresh start but donāt know much about it, and am not sure if the car loan my parents co-signed would just go to them then anyways.
Any ideas or advice is helpful, thank you! Sheās in Michigan btw.
2024.05.19 11:46 PEPSIPANDORALUNA BOTCHED FILLERS & HYALURONIDASE DAMAGE
It has taken me more than 8 years to finally feel comfortable and confident to post a review about Gavin Chan. In 2015 I went to the Victorian Cosmetic Institute & was talked into having 4mls of filler injected into my cheeks & nasolabial folds to lift my cheeks by self appointed ācosmetic medicine specialistā Dr Somaiye Kadivar. I was told that the filler was temporary & would last anywhere between 12-18 months.
Once the procedure was over I looked in the mirror & noticed one cheek was higher while the other cheek was lower & further out from my nose. My nasolabial folds were arched, crooked, unnatural & everytime I smiled my cheeks would pop out like golf balls. I hated the results because the filler added volume instead of a lift like I was led to believe.
Just the thought of what I would have looked like if I had gone ahead with the 12 month "alternative treatment plan" devised by the ācosmetic medicine specialist" Dr Somaiye Kadivar who recommended 12mls of filler costing me over $9,000 and 60 units of Botox every 3 months for $720 per treatment gives me nightmares.
Soon after I contacted the owner of the Victorian Cosmetic Institute Gavin Chan and complained about the botched filler. He assured me it was easily & instantly reversible by injecting Hyaluronidase which is used off label to dissolve fillers. After several attempts over the coming days & weeks it was quite obvious that the filler was still present.
On one occasion Gavin Chan dissolved my tear troughs via the cheeks yet I never had filler in my tear troughs to begin with. On another occasion while injecting Hyaluronidase he also started to inject filler into my temple without prior warning. When I asked him why he was injecting my temple he told me he was compensating me for my troubles yet never mentioned that the temple is a danger zone & a risky area to inject.
In total I had 6mls of filler injected into my face within 19 days, yet on the Victorian Cosmetic Institute's website it states that 1ml of filler is enough for the entire face. On each occasion Gavin Chan never informed me of the risks, dangers & complications associated with Hyaluronidase & never gave me a consent form to read and sign.
A few years later I had a consultation with Professor Mark Ashton who is an expert in filler complications & he told me that if the filler hadn't dissolved by now then it was permanent. He gave me a referral for an MRI of the head which detects the exact amount of filler & the exact location of the filler. The MRI report stated that I still had upto 4mls of filler in my face even after all the dissolving sessions from many years ago.
On Dec 3rd 2018 I showed Gavin Chan my MRI results who had no idea at the time that MRI scans can detect fillers. His recommendation was more dissolving but in a larger dose so he flooded my face with Hyaluronidase yet never recorded the amount in my clinical notes. When I went back for a follow up consultation on Dec 10th 2018 he contacted radiologist Mobin Master in my presence who also appeared not to be aware at the time that MRIās can detect filler but suggested I get another MRI anyway.
Not long after, Gavin Chan contacted me via email thanking me for bringing the MRI information to his attention instead of thanking Professor Mark Ashton who he had previously corresponded with via email regarding my MRI results. For some unknown reason it did not occur to Gavin Chan that Professor Mark Ashton deserved all the credit for having known all along that MRIās can detect dermal filler.
Instead Gavin Chan chose to capitalise on this information by making a YouTube video claiming he had made this discovery after doing quite a few MRI's (not sure how this is possible as he is not a radiologist). He also stated in his email that he wanted to inject a very high dose of Hyaluronidase to try and dissolve the filler again for the 5th time.
In the meantime I noticed that my facial structure had collapsed, I developed deep hollows under my eyes, my cheeks caved in, my marionette lines were deep, long & dragged down. The corners of my lips sunk into my mouth & my skin was extremely loose, saggy & stretchy all the way down to my neck.
Hyaluronidase did not dissolve my fillers but instead permanently dissolved my connective tissue as it can't distinguish between the skin's own HA & the HA in dermal fillers. Hyaluronidase has aged my facial features by 10 years & only a full facelift & necklift can fix this.
In 2019 & 2020 I took Gavin Chan to VCAT, a small claims court requesting a refund & a corrective advertising order because his website falsely advertised that the temporary fillers they use last anywhere between 12-18 months. Gavin Chan was granted lawyers on the grounds that his business reputation was at stake while I had to represent myself.
I cross examined him with over 90 questions & I presented over 100 pages of supporting evidence & documentation while he only had photos & amended clinical notes. Mobin Master was also present in court supporting Gavin Chan. The hearing was held over 2 days & my claims were eventually dismissed by the judge.
Gavin Chan who āspecialisesā in cosmetic procedures got away with not providing a patch test for Hyaluronidase and not providing a consent form for Hyaluronidase on each occasion amongst other things.
Mobin Master who began posting the first MRI images on his Instagram account 1 week after the first VCAT hearing in Nov 2019 now identifies as an āaesthetic radiologistā and a āworld pioneerā in filler longevity.
Gavin Chan, the self appointed ādoctor trainerā for various dermal fillers and anti-wrinkle injections and ācosmetic surgeonā as he once claimed to be isnāt even a GP, he is just a medical practitioner with no other formal training. His only qualification is a Bachelor of Medicine/Bachelor of Surgery with a ābackground in intensive care, anaesthesia and emergency medicine.
Gavin Chan who medically reviews his own articles has provided cosmetic procedures such as anti-wrinkle injections, dermal fillers, liposuction, facial fat transfers, skin needling and laser treatments since 2004 and has held advanced one-on-one injector training workshops for dermal fillers yet has no certificates or credentials listed on his Victorian Cosmetic Instituteās website.
In my opinion Gavin Chan has a special interest in portraying himself as the master of cosmetic injectables in an unregulated industry. He is an injectable junkie, obsessed with the syringe & makes no apologies for ruining my life. I hold Gavin Chan responsible for destroying my looks and my life.
In late 2023 I was threatened on 2 occasions with legal action for posting Google reviews on Gavin Chan. His lawyers instructed me to remove each review within 7 days otherwise I would be sued for defamation in the Federal Court of Australia. I wasn't even given a chance to respond to each email when my reviews were both taken down.
I have no doubt in my mind that Gavin Chan was behind the removal of my reviews. In my opinion, Gavin Chan pays a lot of money to have my reviews removed as he doesn't want anyone finding out about me and the truth about him.
I challenge Gavin Chan to explain to the general public, his patients and to his social media followers what he actually means by "background in intensive care, anaesthesia, and emergency medicine" as well as publicly display all his credentials on social media (qualifications, certificates and training) in anaesthesia, liposuction & cosmetic procedures such as cosmetic iniectables & laser treatments.
Update: In early 2024 I received further threats from Gavin Chan's lawyers for posting this Reddit review and a RealSelf review regarding my personal experience and results. āArticles medically reviewed by Dr Gavin Chan" & " Dr Gavin Chan has a background in intensive care, anaesthesia, and emergency medicine" have since been quietly removed from the Victorian Cosmetic Institute website.
If you are a cosmetic injectable victim or want to be well informed regarding what can go wrong please join BOTCHED FILLERS & HYALURONIDASE DAMAGE SUPPORT GROUP on FB.
submitted by PEPSIPANDORALUNA to u/PEPSIPANDORALUNA [link] [comments]
Once the procedure was over I looked in the mirror & noticed one cheek was higher while the other cheek was lower & further out from my nose. My nasolabial folds were arched, crooked, unnatural & everytime I smiled my cheeks would pop out like golf balls. I hated the results because the filler added volume instead of a lift like I was led to believe.
Just the thought of what I would have looked like if I had gone ahead with the 12 month "alternative treatment plan" devised by the ācosmetic medicine specialist" Dr Somaiye Kadivar who recommended 12mls of filler costing me over $9,000 and 60 units of Botox every 3 months for $720 per treatment gives me nightmares.
Soon after I contacted the owner of the Victorian Cosmetic Institute Gavin Chan and complained about the botched filler. He assured me it was easily & instantly reversible by injecting Hyaluronidase which is used off label to dissolve fillers. After several attempts over the coming days & weeks it was quite obvious that the filler was still present.
On one occasion Gavin Chan dissolved my tear troughs via the cheeks yet I never had filler in my tear troughs to begin with. On another occasion while injecting Hyaluronidase he also started to inject filler into my temple without prior warning. When I asked him why he was injecting my temple he told me he was compensating me for my troubles yet never mentioned that the temple is a danger zone & a risky area to inject.
In total I had 6mls of filler injected into my face within 19 days, yet on the Victorian Cosmetic Institute's website it states that 1ml of filler is enough for the entire face. On each occasion Gavin Chan never informed me of the risks, dangers & complications associated with Hyaluronidase & never gave me a consent form to read and sign.
A few years later I had a consultation with Professor Mark Ashton who is an expert in filler complications & he told me that if the filler hadn't dissolved by now then it was permanent. He gave me a referral for an MRI of the head which detects the exact amount of filler & the exact location of the filler. The MRI report stated that I still had upto 4mls of filler in my face even after all the dissolving sessions from many years ago.
On Dec 3rd 2018 I showed Gavin Chan my MRI results who had no idea at the time that MRI scans can detect fillers. His recommendation was more dissolving but in a larger dose so he flooded my face with Hyaluronidase yet never recorded the amount in my clinical notes. When I went back for a follow up consultation on Dec 10th 2018 he contacted radiologist Mobin Master in my presence who also appeared not to be aware at the time that MRIās can detect filler but suggested I get another MRI anyway.
Not long after, Gavin Chan contacted me via email thanking me for bringing the MRI information to his attention instead of thanking Professor Mark Ashton who he had previously corresponded with via email regarding my MRI results. For some unknown reason it did not occur to Gavin Chan that Professor Mark Ashton deserved all the credit for having known all along that MRIās can detect dermal filler.
Instead Gavin Chan chose to capitalise on this information by making a YouTube video claiming he had made this discovery after doing quite a few MRI's (not sure how this is possible as he is not a radiologist). He also stated in his email that he wanted to inject a very high dose of Hyaluronidase to try and dissolve the filler again for the 5th time.
In the meantime I noticed that my facial structure had collapsed, I developed deep hollows under my eyes, my cheeks caved in, my marionette lines were deep, long & dragged down. The corners of my lips sunk into my mouth & my skin was extremely loose, saggy & stretchy all the way down to my neck.
Hyaluronidase did not dissolve my fillers but instead permanently dissolved my connective tissue as it can't distinguish between the skin's own HA & the HA in dermal fillers. Hyaluronidase has aged my facial features by 10 years & only a full facelift & necklift can fix this.
In 2019 & 2020 I took Gavin Chan to VCAT, a small claims court requesting a refund & a corrective advertising order because his website falsely advertised that the temporary fillers they use last anywhere between 12-18 months. Gavin Chan was granted lawyers on the grounds that his business reputation was at stake while I had to represent myself.
I cross examined him with over 90 questions & I presented over 100 pages of supporting evidence & documentation while he only had photos & amended clinical notes. Mobin Master was also present in court supporting Gavin Chan. The hearing was held over 2 days & my claims were eventually dismissed by the judge.
Gavin Chan who āspecialisesā in cosmetic procedures got away with not providing a patch test for Hyaluronidase and not providing a consent form for Hyaluronidase on each occasion amongst other things.
Mobin Master who began posting the first MRI images on his Instagram account 1 week after the first VCAT hearing in Nov 2019 now identifies as an āaesthetic radiologistā and a āworld pioneerā in filler longevity.
Gavin Chan, the self appointed ādoctor trainerā for various dermal fillers and anti-wrinkle injections and ācosmetic surgeonā as he once claimed to be isnāt even a GP, he is just a medical practitioner with no other formal training. His only qualification is a Bachelor of Medicine/Bachelor of Surgery with a ābackground in intensive care, anaesthesia and emergency medicine.
Gavin Chan who medically reviews his own articles has provided cosmetic procedures such as anti-wrinkle injections, dermal fillers, liposuction, facial fat transfers, skin needling and laser treatments since 2004 and has held advanced one-on-one injector training workshops for dermal fillers yet has no certificates or credentials listed on his Victorian Cosmetic Instituteās website.
In my opinion Gavin Chan has a special interest in portraying himself as the master of cosmetic injectables in an unregulated industry. He is an injectable junkie, obsessed with the syringe & makes no apologies for ruining my life. I hold Gavin Chan responsible for destroying my looks and my life.
In late 2023 I was threatened on 2 occasions with legal action for posting Google reviews on Gavin Chan. His lawyers instructed me to remove each review within 7 days otherwise I would be sued for defamation in the Federal Court of Australia. I wasn't even given a chance to respond to each email when my reviews were both taken down.
I have no doubt in my mind that Gavin Chan was behind the removal of my reviews. In my opinion, Gavin Chan pays a lot of money to have my reviews removed as he doesn't want anyone finding out about me and the truth about him.
I challenge Gavin Chan to explain to the general public, his patients and to his social media followers what he actually means by "background in intensive care, anaesthesia, and emergency medicine" as well as publicly display all his credentials on social media (qualifications, certificates and training) in anaesthesia, liposuction & cosmetic procedures such as cosmetic iniectables & laser treatments.
Update: In early 2024 I received further threats from Gavin Chan's lawyers for posting this Reddit review and a RealSelf review regarding my personal experience and results. āArticles medically reviewed by Dr Gavin Chan" & " Dr Gavin Chan has a background in intensive care, anaesthesia, and emergency medicine" have since been quietly removed from the Victorian Cosmetic Institute website.
If you are a cosmetic injectable victim or want to be well informed regarding what can go wrong please join BOTCHED FILLERS & HYALURONIDASE DAMAGE SUPPORT GROUP on FB.
2024.05.19 09:45 Barumamook $LUMN might be worth looking into
Whatās up everyone, I know GME is the big stock here, but I also know everyone here buys for the long haul, may I present to you Lumen aka centurylink.
Right now their SI sits at about 14%, they have 1 billion shares on the market, so the HFs are sitting on about 140 million shorts.
Since lumen is at $1.32, thatās about $183 million short.
Two things about this stock, Lumen used to be worth $11-20 pre 2022, however, due to their failure to modernize their networks, poor management, and market pressures, it has fallen greatly. Note this was not due to stock splits (citation 1)
That was the case, as of 2024 Lumen has entered into a new TSA (citation 2), what does this new transaction support agreement mean? Well lumen owe a lot of money, and it was all due very soon, what the TSA does is restructure that debt to keep the company from going bankrupt, it requires a plan of action and company transformation to be approved by its creditors.
What does that mean? It means that Lumenās creditors believe the companyās plan to become profitable is sound, it means that the stock price will go up, potentially exponentially. So much so that the company which was on the edge of bankruptcy announced 2+ billion in investment and credit in order to begin their business revamp.
Following this Lumen announced that they are planning for 500,000+ new fiber addresses this year. Fiber to the home is specifically a very profitable sector due to the lost cost of materials and devices, and the fact that that lumen has its own in house construction and deployment teams, with construction and deployment being some of the highest cost pieces of deploying fiber to the home networks.
All this said, Lumen is both set for a small but significant short squeeze and meteoric rise in stock prices if the right market conditions are met.
Citation 1: https://finance.yahoo.com/news/could-underperforming-stock-become-millionaire-135131313.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALBHm70tc-mwlpgzulJT1KkgEZxBGz2JlBYHlnsblG0g-XX6VdDk60v6etIuHq4Hcr2dDtc6RSj3SGkUM-kRD47uBiczA4L4DlrHHNBYOF4xuCyg5OtZPxBlL4fr8ny6Yfb3Gy8Kqv1lOWVnJyS6efKrMck7m_idCevKhIGiGiyh#
Citation 2: https://www.prnewswire.com/news-releases/lumen-technologies-completes-tsa-transactions-enabling-transformation-strategy-302097110.html
submitted by Barumamook to DeepFuckingValue [link] [comments]
Right now their SI sits at about 14%, they have 1 billion shares on the market, so the HFs are sitting on about 140 million shorts.
Since lumen is at $1.32, thatās about $183 million short.
Two things about this stock, Lumen used to be worth $11-20 pre 2022, however, due to their failure to modernize their networks, poor management, and market pressures, it has fallen greatly. Note this was not due to stock splits (citation 1)
That was the case, as of 2024 Lumen has entered into a new TSA (citation 2), what does this new transaction support agreement mean? Well lumen owe a lot of money, and it was all due very soon, what the TSA does is restructure that debt to keep the company from going bankrupt, it requires a plan of action and company transformation to be approved by its creditors.
What does that mean? It means that Lumenās creditors believe the companyās plan to become profitable is sound, it means that the stock price will go up, potentially exponentially. So much so that the company which was on the edge of bankruptcy announced 2+ billion in investment and credit in order to begin their business revamp.
Following this Lumen announced that they are planning for 500,000+ new fiber addresses this year. Fiber to the home is specifically a very profitable sector due to the lost cost of materials and devices, and the fact that that lumen has its own in house construction and deployment teams, with construction and deployment being some of the highest cost pieces of deploying fiber to the home networks.
All this said, Lumen is both set for a small but significant short squeeze and meteoric rise in stock prices if the right market conditions are met.
Citation 1: https://finance.yahoo.com/news/could-underperforming-stock-become-millionaire-135131313.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALBHm70tc-mwlpgzulJT1KkgEZxBGz2JlBYHlnsblG0g-XX6VdDk60v6etIuHq4Hcr2dDtc6RSj3SGkUM-kRD47uBiczA4L4DlrHHNBYOF4xuCyg5OtZPxBlL4fr8ny6Yfb3Gy8Kqv1lOWVnJyS6efKrMck7m_idCevKhIGiGiyh#
Citation 2: https://www.prnewswire.com/news-releases/lumen-technologies-completes-tsa-transactions-enabling-transformation-strategy-302097110.html
2024.05.19 08:37 curiousdev30 āEnlisting in Air National Guard for IT/Cyber Jobs After Chapter 7 Bankruptcy: Can I Still Get a Secret/TS Clearance?ā
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 couldnāt 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 Iām 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, Iām 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. Iām 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 couldnāt 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 Iām 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, Iām 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. Iām already scheduled for MEPS on June