Express debt settlement scam

Personal Finance For The Financially Challenged

2018.03.28 02:31 rassmann Personal Finance For The Financially Challenged

Financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. No Judgement, just advice!
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2024.05.19 23:49 Outspeckle Discover card payment plant questions

Edit: Payment PLAN not PLANT jesus christ just bear with me please
I recently entered into a debt settlement/counseling program with a non-profit organization, American Consumer Credit Counseling. I had 4 accounts with about 20k debt across all of them. They helped me settle one account for an amount that I could pay upfront and I had that account closed. Another account I was able to get a better rate on a payment plan myself then what they were able to negotiate so I'm handling that separately. The two creditors that they're actually dealing with are Chase and Discover.
I made my first payment towards this plan they set up at the beginning of this month and they dispersed it to those creditors. Chase accepted the money and closed my card with them. Great! Discover on the other hand sent me a message saying that they had rejected the settlement offer from ACCC but the account has still been closed and they are now offering me options to deal with the debt. I'm going to call my contact with ACCC tomorrow and talk this over with them but in the meantime I wanted to get some help to make sure I understand what I'm being offered here, because frankly it seems like too good of a deal.
At present I have $7,509 dollars owed to Discover. They're giving me two settlement options.
One of them makes sense, a 72 month program where I make payments of 104 dollars at 0.99% APR.
The other is just a 12 month program where I make 12 payments of $113 dollars at 9.99% APR. Doing the basic math that's just $1,356. I'm assuming since this is a payment plan that the interest is already factored into the payments and the debt would be considered settled after those 12 months. but settling at $1,356 on $7,509 seems crazy? Am I thinking about this right or is there some piece to this I'm missing?
submitted by Outspeckle to CreditCards [link] [comments]


2024.05.19 23:49 crazycatsister [REQUEST] [STEAM] V Rising

Hi all!
My name is Jena! I am female, 30 years old, I am an Aquarius, and I never done something like this before. I have been a gamer for about as long as I could get my hands on a game, however growing up in a family that was not particularly into video games made that fairly difficult. I grew up playing Neopets, Runescape, The Sims, and other old classics on my computer. I didn't get my first gaming console until I was 18. Unfortunately, at 18 I had to try and be an adult and that left little time or money to play and build up a game library, but I started. 12 years later I am out of a controlling relationship (part of what he controlled was my spending habits) and I am still slowly trying to build up my collection of games. I was unfortunately left with all the shared debt between us, so despite working full time, all my money goes to bills and debts for the next few years until I can dig my way out. It means a lot to me to be able to relax and enjoy myself on my days off, and playing games is one of my favorite ways to do that.
About the game V Rising
First of all, if you don't have this game maybe you should get it for yourself. V Rising is described on steam as "Awaken as a Vampire. Hunt for blood in nearby settlements to regain your strength and evade the scorching sun to survive. Raise your castle and thrive in an ever-changing, open world full of mystery. Gain allies online and conquer the land of the living." It is a multiplayer, open world survival, base building game. I am a huge RPG fan and love open world survival games. I have more recently expanded into base building games, and man I wish I had known those were a thing a long time ago. I also love Vampires and a game with all of these elements has me extremely interested in playing, which is how I ended up here. I have actually tried to limit what I know about this game as I very much enjoy immersing myself in the lore and learning the story as I go. I have watched a limited few videos on gameplay but I am always weary of spoilers, so I didn't want to watch anything too in depth.
Thank you so much for learning a bit more about me and V Rising, and if I didn't convince you to gift me V Rising, I hope you will at least consider trying it for yourself, lol. :) Seriously though, thank you for taking the time to read this, and have a fantastic day. <3
[V Rising Link](https://store.steampowered.com/app/1604030/V_Rising/)
[My Steam Page](https://steamcommunity.com/id/crazycatsiste)
submitted by crazycatsister to GiftofGames [link] [comments]


2024.05.19 23:41 IllustratorReal3445 Scammer

Scammer
These two scammers are based in the far east los Angeles they use dating apps like waplog mumba by using a vpn to change location.they are part of a pig butchering scam but claim to be analyst workers in London they target people through WhatsApp. & start with a lost contact they give you the my boyfriend ruined my life that's why I don't have social media good morning & good night messages how's your day make sure you eat. & then persuade you to invest in a platform they control we're you can't withdraw your funds if you do you see a error so invest more until your full of debt. I was lucky I downloaded a few apps geospy helped me track her to the far east indonesia the phillipines but she claimed she worked in London I then downloaded another app this one finds out what dating apps there on & what a surprise I found both of them with countless profiles different names you name it Asians scamming Asians they change the vpn settings & target world wide be warned but I do take solis in the fact they work for a gang & when there looks no longer attract men there will be no loyalty amongst theifs
submitted by IllustratorReal3445 to CryptoScamBlacklist [link] [comments]


2024.05.19 22:59 Dapper_Cockroach_381 Do people think recent news (nytimes article stating that Sony/Apollo had signed an NDA with Paramount, but were leaning away from an all-cash bid for the whole company) is good or bad for Paramount stock?

The stock may open up or down on Monday, but I personally think this recent news is good for long-term shareholders. In my opinion, it increases the odds of a payout substantially higher than the current stock price, and decreases odds of bad outcomes where current minority shareholders get screwed.
I think the most important bit in the story is “A person familiar with Ms. Redstone’s thinking has said that a breakup of the company is not a deal breaker, depending on the terms, but that she prefers to keep Paramount intact.” Put more directly, Redstone is ok with selling the pieces of Paramount individually, and liquidating the company - if she makes enough $ doing it. Her prior insistence on keeping the company intact was one of the major barriers to selling the company for a good price - it meant that any sale had to be done to someone who was willing to buy the whole thing. This severely limited the pool of buyers and depressed the end price - both because there were fewer potential buyers, and because those buyers didn’t really want all of the pieces. A sale in which all of the pieces go to their individual highest bidder is likely to generate substantially more $ - recent sell-side analyst reports estimate sum-of-the-parts break-up values in the high $20s - high $30s/share (see e.g. https://www.yahoo.com/entertainment/shari-redstone-faces-tough-choice-140000059.html).
Before this change, there were 3 likely outcomes for Paramount:
Now, the likely set of outcomes skews much more positive:
If Sony/Apollo is in serious negotiations with Paramount about potentially only buying the movie studio and IP, then Paramount’s board will ask their investment bankers to a) value what they think all of the other pieces are worth (if they haven’t already), and b) try to get real bids for all of those pieces. They need to do this to compare deals for part of the company vs deals for the whole company. However, I think valuing and especially getting bids for the pieces of the company very likely kills the Skydance deal (if it wasn’t already dead). The reason is linked to a very recent Delaware supreme court decision (Paramount is incorporated in Delaware). On April 4 2024, the court held in In re Match Group, Inc. Derivative Litigation that in order for business judgment review to apply in shareholder litigation involving controlling shareholder transactions where the controlling shareholder receives a non-ratable benefit (a benefit not shared equally with minority shareholders), the transaction must be conditioned on approval of BOTH an independent committee of the board of directors, and a majority vote of disinterested stockholders. This basically makes it very difficult for Redstone to defend against shareholder lawsuits arising from something like the Skydance deal (where she gets bought out at a higher price than other shareholders) unless the deal is approved by minority shareholders (a Skydance deal woln’t be). To defend against such lawsuits, Redstone would need to prove (among other things) that the price paid to minority shareholders was “entirely fair”. This is really hard to do if Paramount had offers for the pieces that would have allowed the company to liquidate and pay e.g. $25/share, but instead minority shareholders ended up with a stock trading for e.g. < $10/share after a Skydance deal. Even worse, a high documented breakup value dramatically increases Redstone’s potential $ liability in such shareholder lawsuits. This is because damages in such lawsuits are calculated from actual losses suffered from minority shareholders - aka whatever a judge determines Paramount Global is actually worth, minus whatever minority shareholders end up with. E.g. if a judge thinks Paramount Global B shares are worth $12/share, and the stock goes to $10/share after a Skydance deal, damages would be $2/share * 652mm non-Redstone shares. However, if the board’s i-bankers get bids for the pieces that value the company at e.g. $25/share, and the stock goes to $10/share after a Skydance deal, damages could be $15/share - aka enough to take every $ that Redstone made from the sale, plus any other personal net worth that she has. I don’t think there’s any way that she (or anyone sane) would accept this potential liability. To me, this suggests that the Skydance deal is very unlikely to happen in a situation where Paramount is shopping its various pieces.
What do other people think? Do you agree with the above logic or not?
Note: Everything expressed in this post is just my opinion. I am not a lawyer or a financial advisor. Nothing in this post should be taken as legal or financial advice.
submitted by Dapper_Cockroach_381 to ParamountGlobal2 [link] [comments]


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ABOUT MY RATES & PAYMENT OPTIONS:
CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:
THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:
MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
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Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
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submitted by Azurecertificates to Statisticshelpers_ [link] [comments]


2024.05.19 22:32 Historical-Speech103 [GA] [MT]Anyone willing to provide assistance with proper further steps to take regarding rep payee funds and identity theft?

I'm an adult disabled child and have had a representative payee until the beginning of this year. Currently living in Montana but unable to receive the level of assistance I require from local groups due to the age and jurisdiction. This is regarding misappropriation of funds and identity theft with one of my previous payees from 2017-2021. As an adult disabled child with a representative payee I was informed that I could have no direct access to any form of money myself both by SSA when I received my award and by both of the representative payees I previously had. They would either give me cash without me having knowledge of available balance or directly give me a credit or debit card with instructions on what I was authorized to purchase that I would then surrender once I returned. Sometime during 2017 I made my then girlfriend Jennifer Jackson my payee. She recommended building credit for me and I authorized her to open two credit accounts on my behalf which she would manage with my social Security funds. The two accounts were PayPal and Capital One. The only updates that I ever received were verbal confirmation that they were paid and at some time in 2018 or early 2019 she showed me a printout of my credit report which listed my credit as over 700. Approximately 2-21, I was experiencing a panic attack and mental disturbance while being harassed by Miss Jackson while she was driving my vehicle. I wanted to go home. She refused and continued to harass me while attempting to force me to contact associates about procuring opioids for her because she was in withdrawals. I struck her twice in the arm. At that time she took me home. The police were called and I was arrested. A restraining order was placed in which she told the judge that she was completely dependent on my home, my vehicles and my income as her only form of support. This was unfactual as she also received roughly the same amount as me in SSI whereas I receive SSDI, and all bills were split between her myself my father and my stepmother. Each of our shares were approximately $350 a month as can be attested to on the financial reports supplied to social Security and the Georgia welfare programs. I was not allowed access to any monies from social Security from that date until my father was made my payee approx 7-22. I had no access to my family lawyer for several months due to this. Upon release I discovered that she had sold the vehicle that she was awarded use of by the restraining order. Her ex husband informed me of this via Facebook messenger which I received upon release. During the conversation to him I threatened legal repercussions and asked him to talk to her regarding where my car was and the money she had received and was arrested for harassment/stalking. The beginning of this year I was awarded control of my own finances for the first time. Upon doing so I discovered a total of three items in collections on my credit report totaling approximately $2,600. Portfolio recovery services (Capital One): $694 Midland credit management (Synchrony Bank): $1028 LVNV Funding LLC (Credit One Bank): $880 They will be removed from my report approximately the beginning of 2026. I am unsure how much money she collected on my behalf as social Security has been extremely difficult to work with me in any way regarding this matter. The original SSA office I spoke to, Barrow County, informed me that because we "lived together as man and wife" that she had full rights to any SSA funds even though we were not married and she was my payee. Several organizations have expressed outrage at the "blunt lie" of that statement as Georgia has not have any form of common law in many many years. I have spoken with social Security Representatives regarding this since I moved to Montana and was informed that it was at minimum inappropriate but likely illegal for her to attain credit on my behalf even with my knowledge as she was only authorized to manage social Security funds. This is a drastically different statement from when I was first awarded disability with a payee. I have also filed 2 reports with social Security regarding the misappropriation of funds but have thus far gotten no response. The first verbally when I was released from prison approximately 7-22 in person at the Barrow county social Security office. The second at the behest of my therapist, local social workers, and Disability Rights Montana was filed electronically approximately 2 months ago. I have contacted the Barrow county Police and filed a report. I have also contacted the three credit reporting agencies about this but no changes were made except to update with "customer disputes: meets Fair Credit reporting standards". I added a consumer statement to explain the situation of the debt reflected on my credit report as well. My previous lawyer, Macklin Smith (Deceased), informed me that any contact with her would likely end with more charges even if it was a lawsuit(because of the previous contact with her ex husband regarding the car and money and threat of lawsuit) and advised me to wait until the restraining order had expired to proceed. I would be satisfied with these items removed from my credit history. If the only way to do that is through civil or criminal litigation then I am comfortable doing so now that the restraining order is expired. I have sent letters to both the original creditors and the collection agencies that has since acquired the debt as well stating the same information as this post and stating that it is not an admission of debt ownership or permission to contact me regarding collections. Any assistance is greatly appreciated.
submitted by Historical-Speech103 to AskLawyers [link] [comments]


2024.05.19 22:29 comptiacertified pay someone to do my statistics homework Reddit pay someone to do Your statistics homework Assignment Reddit Online Helper for Hire to Help in Exam Class Test Quiz Reddit Math Stat Calculus Algebra Chemistry Physics Biology Economics Accounting Finance Helper to take online course exam Reddit

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:
MY TEAM'S CLASSES OF EXPERTISE:
MY EDUCATIONAL SOFTWARE OF EXPERTISE:
TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:
  1. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
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  8. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
  9. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
  10. Live Exam Help Videos: I am the only verified U.S.-based online exam hw online class help tutor with a highly successful YouTube Channel where I regularly upload live unedited videos of me actually completing exams, quizzes & homework assignments for other students and clearly explain my entire thought process and display on-screen all the steps, apps, websites, and software I use to compute the correct answers.
  11. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
  12. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.
HOW I CALCULATE FINAL RATES:
Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ABOUT MY RATES & PAYMENT OPTIONS:
CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:
THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:
MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:
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submitted by comptiacertified to Statisticshelpers_ [link] [comments]


2024.05.19 22:27 Joshh170 Skyrim Player Discovers Whiterun Guard in Unexpected Place

Skyrim Player Discovers Whiterun Guard in Unexpected Place
A Skyrim player inexplicably runs into a Whiterun Guard on the island of Solstheim, a place far beyond Whiterun's jurisdiction. It has been over 12 years since Skyrim was released, and in the time since, it has proven to be the purest expression of what a Bethesda sandbox aspires to be. The Legendary Edition, Special Edition, and Anniversary Edition have all contributed to making Skyrim a polished experience for both Bethesda veterans and newcomers to The Elder Scrolls. However, there is an argument to be made that the quirks of the Creation Kit as an engine greatly add to Skyrim's charm and appeal.
Though the Creation Kit has allowed Skyrim mods to completely transform the base game into a brand-new experience, it is also notorious for creating bizarre and chaotic situations. Given that the open world in a Bethesda sandbox lives and breathes outside the player's influence, it isn't outside the realm of possibility for the Dragonborn to be saved from a frost troll by a bear. The emergent gameplay in Skyrim also makes it clear that dragons can and will land on top of an unfortunate bystander when attacking a random settlement.
However, the most recent Creation Kit incident belongs to a player named Who_Candice, who shared a screenshot of their Dragonborn coming across a Whiterun Guard on the island of Solstheim. Given that no Whiterun Guards are expected to spawn in Solstheim, which is under the jurisdiction of House Redoran, it makes this incident even more bizarre. That being said, there is a plausible explanation behind his unexpected appearance, and this logic also extends to other NPCs in Skyrim.
How Skyrim NPCs Can Accidentally End Up in the Wrong Place
When players use fast travel in Skyrim, if an NPC is in the middle of attempting to interact with them, they will actually teleport with the Dragonborn to the target destination. This can include dangerous places, or even areas well outside their daily schedule. Once finishing their interaction, the NPC will attempt to take the long way back home, and can often end up dying during the journey. It's quite possible that Who_Candice attempted to fast travel from Whiterun to Solstheim while the guard wanted to make a comment about the player's progress concerning the main quest.
With Starfield released, Bethesda's full focus is on developing the next Elder Scrolls title. Though the game is rumored to take place in Hammerfell, and even potentially High Rock as well, no province of Tamriel has yet been officially confirmed for the sequel. That being said, it can be expected that NPCs will follow complex schedules in The Elder Scrolls 6, as they most likely won't be limited by procedurally generated instances the same way Starfield was.
submitted by Joshh170 to GameGeeks [link] [comments]


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submitted by ccna_cisco to Statisticshelpers_ [link] [comments]


2024.05.19 22:08 enoumen AI Weekly Rundown May 11-May 18th 2024: Major Breaking News from 🚫OpenAI 🚀ChatGPT-4o, Google AI Veo, 🍎Apple AI-enhanced eye tracking, 🎧Meta AI-assisted earphones , 💸 Stability AI, 🤖 Humane AI and more

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Sam Altman quashes search engine launch rumors

OpenAI's CEO, Sam Altman, denied rumors of launching a search engine ahead of Google I/O, stating that the upcoming announcement is neither related to GPT-5 nor a search engine. He described the forthcoming revelation as something that "feels like magic."
However, there are reports that OpenAI is developing an AI voice assistant.

iOS 18 iPhones may soon have ChatGPT

OpenAI will bring ChatGPT to iPhones. The integration is expected to happen with the upcoming iOS 18. This could significantly enhance the user experience and expand the capabilities of Apple's virtual assistant, Siri.
Parallel to negotiations with OpenAI, the tech giant is also engaging with Google's parent company, Alphabet, to integrate the Gemini chatbot into Apple's devices. These ongoing talks, however, haven't led to an agreement yet.

SoftBank’s Arm Holdings all set to come up with AI chips in 2025

SoftBank's subsidiary, Arm, plans to develop AI chips and launch them in 2025. Arm is establishing a dedicated AI chip division and targeting a prototype by spring 2025 and mass production by autumn. SoftBank will contribute to the initial cost of 10 trillion yen ($64 billion).
The AI chip business could be spun off to SoftBank. Negotiations with Taiwan Semiconductor Manufacturing Corp (TSMC) and others for production capacity are underway. The move reflects rising demand for AI chips, which has boosted Arm's share price since its IPO in September.

GPT-4o: 2x faster, 50% cheaper, 5x rate limits than GPT-4 Turbo

OpenAI unveiled its new flagship model, GPT-4o (“o” stands for “omni”). It provides GPT-4-level intelligence but is 2x faster, 50% cheaper, has 5x higher rate limits, and enhanced text, voice, and vision capabilities than GPT-4 Turbo. It also matches GPT-4 Turbo performance on text in English and code, with significant improvements for text in non-English languages.
GPT-4o can respond to audio inputs in as little as 232 ms, with an average of 320 ms, which is similar to human response time in a conversation. It is available in the ChatGPT free tier and to Plus users.

TikTok tests ChatGPT-powered search results

TikTok is testing a new search feature that uses AI to generate results for some queries. For certain search terms, like recipes or product recommendations, TikTok will display AI-generated answers at the top of the results. These answers are powered by ChatGPT, and when you click on one of these AI results, it takes you to a page with a full response.
TikTok is also testing "search highlights," which appear at the top of some searches. However, it's unclear whether these highlights are AI-generated.

Meta explores AI-assisted earphones with built-in cameras

Meta is currently exploring AI-powered earphones with built-in cameras. The project is known internally as “Camerabuds;” however, it’s uncertain if the final product will be in-ear earbuds or over-ear headphones. The cameras let the AI take in surrounding information visually, allowing it to translate foreign languages, identify objects, and more.
CEO Mark Zuckerberg has reportedly seen several possible designs but has not been satisfied with them. Outside of design, the major hurdle is fitting a camera and batteries in a tiny device like an earbud.

Google announced a wide array of updates across its AI ecosystem

Major headlines were Project Astra, an AI agent that can see and hear users in real time, and AI teammates that can answer questions and organize data within Workspace.
Google also introduced Veo, a high-quality video generation model, and significant updates to Google Search, including expanded AI Overviews, advanced planning capabilities, and AI-organized search results.
The company launched Gemini 1.5 Pro, boasting a massive 2M context window extension, and Imagen 3, the next version of its text-to-image model. Other notable announcements included:

Ilya Sutskever, OpenAI's co-founder and chief scientist, has left the company

Ilya Sutskever, OpenAI's co-founder and longtime chief scientist, has left the company. OpenAI CEO Sam Altman announced the news on X, expressing his sadness and gratitude for Sutskever's contributions. Jakub Pachocki, OpenAI's research director, will step up as a chief scientist.
Sutskever's departure comes amidst reports of disagreements with Altman over OpenAI's direction, mainly concerns about rushing AI-powered product launches at the expense of safety. The situation escalated last November when Sutskever and OpenAI CTO Mira Murati approached the company's previous board to express their concerns, leading to a brief attempt to fire Altman. However, Altman was swiftly reinstated, and much of the old board resigned.

Apple unveils AI-enhanced eye tracking, music haptics, voice shortcuts

Apple recently unveiled new accessibility features that will launch later this year. One of these features is Eye Tracking, which enables users with physical disabilities to navigate their iPhones and iPads using only their eyes.
By leveraging the front-facing camera and AI, Eye Tracking allows precise control through a “Dwell Control” feature, eliminating the need for additional hardware.
Another noteworthy addition is Music Haptics, designed for users who are deaf or hard of hearing. When enabled, the Taptic Engine in iPhones plays taps, textures, and refined vibrations synchronized with music audio.
Additionally, Apple has introduced Voice Shortcut, which allows users to create custom voice commands for specific actions on their devices. With Voice Shortcut, users can perform tasks hands-free by simply speaking their personalized commands.

Humane’s AI Pin upgraded with GPT-4o

Humane has upgraded its popular AI Pin product with the GPT-4o model. This upgrade aims to enhance the AI Pin’s performance. The new version runs faster, provides more accurate answers, and offers richer information.

Stability AI seeks buyer amid financial woes

Stability AI has been in discussions with at least one potential buyer recently regarding a possible sale. The company is facing a cash crunch, having generated less than $5 million in revenue during the first quarter of 2024 while incurring losses exceeding $30 million. Stability AI also owes nearly $100 million in outstanding bills to cloud computing providers and other entities.
The reported sales talks came after the company laid off some staff as part of a restructuring process following the resignation of founder Emad Mostaque as CEO.

OpenAI is bringing Reddit content to ChatGPT and new products

OpenAI and Reddit have formed a partnership to benefit both the Reddit and OpenAI user communities in a number of ways:

OpenAI introduces improvements to data analysis in ChatGPT

OpenAI is rolling out enhancements to data analysis:
These improvements will be available in OpenAI’s new flagship model, GPT-4o, for ChatGPT Plus, Team, and Enterprise users over the coming weeks.

GenZ and millennials optimistic about GenAI use at work: Deloitte Survey

Deloitte’s 2024 Gen Z and Millennial Survey connected with more than 22,800 respondents in 44 countries to explore their attitudes about work and the world around them. One of the key findings was that Gen Zs and millennials are feeling uncertain about GenAI and its potential impact on their careers.
However, respondents who frequently use GenAI at work are more likely to say they feel excitement about, and trust in the technology. Frequent users of GenAI are also more likely to believe it will free up their time, improve the way they work, and improve their work/life balance.
But, conversely, the more a respondent uses GenAI the more likely they are to have some concerns as well.

Enjoying these daily updates, listen to my podcast at https://podcasts.apple.com/ca/podcast/ai-unraveled-latest-ai-news-trends-gpt-gemini-generative/id1684415169

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My contact details:
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Call: +1 727 456 9641
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What are your Thoughts! Write in comments and ask for help if needed
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submitted by ScheduleAfraid1285 to Studentcorner [link] [comments]


2024.05.19 20:48 Historical-Speech103 assistance with payee funds and identity theft

I'm an adult disabled child and have had a representative payee until the beginning of this year. Currently living in Montana but unable to receive the level of assistance I require from local groups due to the age and jurisdiction. This is regarding misappropriation of funds and identity theft with one of my previous payees from 2017-2021. As an adult disabled child with a representative payee I was informed that I could have no direct access to any form of money myself both by SSA when I received my award and by both of the representative payees I previously had. They would either give me cash without me having knowledge of available balance or directly give me a credit or debit card with instructions on what I was authorized to purchase that I would then surrender once I returned. Sometime during 2017 I made my then girlfriend Jennifer Jackson my payee. She recommended building credit for me and I authorized her to open two credit accounts on my behalf which she would manage with my social Security funds. The two accounts were PayPal and Capital One. The only updates that I ever received were verbal confirmation that they were paid and at some time in 2018 or early 2019 she showed me a printout of my credit report which listed my credit as over 700. Approximately 2-21, I was experiencing a panic attack and mental disturbance while being harassed by Miss Jackson while she was driving my vehicle. I wanted to go home. She refused and continued to harass me while attempting to force me to contact associates about procuring opioids for her because she was in withdrawals. I struck her twice in the arm. At that time she took me home. The police were called and I was arrested. A restraining order was placed in which she told the judge that she was completely dependent on my home, my vehicles and my income as her only form of support. This was unfactual as she also received roughly the same amount as me in SSI whereas I receive SSDI, and all bills were split between her myself my father and my stepmother. Each of our shares were approximately $350 a month as can be attested to on the financial reports supplied to social Security and the Georgia welfare programs. I was not allowed access to any monies from social Security from that date until my father was made my payee approx 7-22. I had no access to my family lawyer for several months due to this. Upon release I discovered that she had sold the vehicle that she was awarded use of by the restraining order. Her ex husband informed me of this via Facebook messenger which I received upon release. During the conversation to him I threatened legal repercussions and asked him to talk to her regarding where my car was and the money she had received and was arrested for harassment/stalking. The beginning of this year I was awarded control of my own finances for the first time. Upon doing so I discovered a total of three items in collections on my credit report totaling approximately $2,600. Portfolio recovery services (Capital One): $694 Midland credit management (Synchrony Bank): $1028 LVNV Funding LLC (Credit One Bank): $880 They will be removed from my report approximately the beginning of 2026. I am unsure how much money she collected on my behalf as social Security has been extremely difficult to work with me in any way regarding this matter. The original SSA office I spoke to, Barrow County, informed me that because we "lived together as man and wife" that she had full rights to any SSA funds even though we were not married and she was my payee. Several organizations have expressed outrage at the "blunt lie" of that statement as Georgia has not have any form of common law in many many years. I have spoken with social Security Representatives regarding this since I moved to Montana and was informed that it was at minimum inappropriate but likely illegal for her to attain credit on my behalf even with my knowledge as she was only authorized to manage social Security funds. This is a drastically different statement from when I was first awarded disability with a payee. I have also filed 2 reports with social Security regarding the misappropriation of funds but have thus far gotten no response. The first verbally when I was released from prison approximately 7-22 in person at the Barrow county social Security office. The second at the behest of my therapist, local social workers, and Disability Rights Montana was filed electronically approximately 2 months ago. I have contacted the Barrow county Police and filed a report. I have also contacted the three credit reporting agencies about this but no changes were made except to update with "customer disputes: meets Fair Credit reporting standards". I added a consumer statement to explain the situation of the debt reflected on my credit report as well. My previous lawyer, Macklin Smith (Deceased), informed me that any contact with her would likely end with more charges even if it was a lawsuit(because of the previous contact with her ex husband regarding the car and money and threat of lawsuit) and advised me to wait until the restraining order had expired to proceed. I would be satisfied with these items removed from my credit history. If the only way to do that is through civil or criminal litigation then I am comfortable doing so now that the restraining order is expired. Any assistance is greatly appreciated.
submitted by Historical-Speech103 to IdentityTheft [link] [comments]


2024.05.19 20:17 Historical-Speech103 Payee funds and identity theft

I'm an adult disabled child and have had a representative payee until the beginning of this year. Currently living in Montana but unable to receive the level of assistance I require from local groups due to the age and jurisdiction. This is regarding misappropriation of funds and identity theft with one of my previous payees from 2017-2021. As an adult disabled child with a representative payee I was informed that I could have no direct access to any form of money myself both by SSA when I received my award and by both of the representative payees I previously had. They would either give me cash without me having knowledge of available balance or directly give me a credit or debit card with instructions on what I was authorized to purchase that I would then surrender once I returned. Sometime during 2017 I made my then girlfriend Jennifer Jackson my payee. She recommended building credit for me and I authorized her to open two credit accounts on my behalf which she would manage with my social Security funds. The two accounts were PayPal and Capital One. The only updates that I ever received were verbal confirmation that they were paid and at some time in 2018 or early 2019 she showed me a printout of my credit report which listed my credit as over 700. Approximately 2-21, I was experiencing a panic attack and mental disturbance while being harassed by Miss Jackson while she was driving my vehicle. I wanted to go home. She refused and continued to harass me while attempting to force me to contact associates about procuring opioids for her because she was in withdrawals. I struck her twice in the arm. At that time she took me home. The police were called and I was arrested. A restraining order was placed in which she told the judge that she was completely dependent on my home, my vehicles and my income as her only form of support. This was unfactual as she also received roughly the same amount as me in SSI whereas I receive SSDI, and all bills were split between her myself my father and my stepmother. Each of our shares were approximately $350 a month as can be attested to on the financial reports supplied to social Security and the Georgia welfare programs. I was not allowed access to any monies from social Security from that date until my father was made my payee approx 7-22. I had no access to my family lawyer for several months due to this. Upon release I discovered that she had sold the vehicle that she was awarded use of by the restraining order. Her ex husband informed me of this via Facebook messenger which I received upon release. During the conversation to him I threatened legal repercussions and asked him to talk to her regarding where my car was and the money she had received and was arrested for harassment/stalking. The beginning of this year I was awarded control of my own finances for the first time. Upon doing so I discovered a total of three items in collections on my credit report totaling approximately $2,600. Portfolio recovery services (Capital One): $694 Midland credit management (Synchrony Bank): $1028 LVNV Funding LLC (Credit One Bank): $880 They will be removed from my report approximately the beginning of 2026. I am unsure how much money she collected on my behalf as social Security has been extremely difficult to work with me in any way regarding this matter. The original SSA office I spoke to, Barrow County, informed me that because we "lived together as man and wife" that she had full rights to any SSA funds even though we were not married and she was my payee. Several organizations have expressed outrage at the "blunt lie" of that statement as Georgia has not have any form of common law in many many years. I have spoken with social Security Representatives regarding this since I moved to Montana and was informed that it was at minimum inappropriate but likely illegal for her to attain credit on my behalf even with my knowledge as she was only authorized to manage social Security funds. This is a drastically different statement from when I was first awarded disability with a payee. I have also filed 2 reports with social Security regarding the misappropriation of funds but have thus far gotten no response. The first verbally when I was released from prison approximately 7-22 in person at the Barrow county social Security office. The second at the behest of my therapist, local social workers, and Disability Rights Montana was filed electronically approximately 2 months ago. I have contacted the Barrow county Police and filed a report. I have also contacted the three credit reporting agencies about this but no changes were made except to update with "customer disputes: meets Fair Credit reporting standards". I added a consumer statement to explain the situation of the debt reflected on my credit report as well. My previous lawyer, Macklin Smith (Deceased), informed me that any contact with her would likely end with more charges even if it was a lawsuit(because of the previous contact with her ex husband regarding the car and money and threat of lawsuit) and advised me to wait until the restraining order had expired to proceed. I would be satisfied with these items removed from my credit history. If the only way to do that is through civil or criminal litigation then I am comfortable doing so now that the restraining order is expired. Any assistance is greatly appreciated.
submitted by Historical-Speech103 to legaladvice [link] [comments]


2024.05.19 20:13 Historical-Speech103 Assistance/Advice Re: Payee funds and identity theft

I'm an adult disabled child and have had a representative payee until the beginning of this year. Currently living in Montana but unable to receive the level of assistance I require from local groups due to the age and jurisdiction. This is regarding misappropriation of funds and identity theft with one of my previous payees from 2017-2021. As an adult disabled child with a representative payee I was informed that I could have no direct access to any form of money myself both by SSA when I received my award and by both of the representative payees I previously had. They would either give me cash without me having knowledge of available balance or directly give me a credit or debit card with instructions on what I was authorized to purchase that I would then surrender once I returned. Sometime during 2017 I made my then girlfriend Jennifer Jackson my payee. She recommended building credit for me and I authorized her to open two credit accounts on my behalf which she would manage with my social Security funds. The two accounts were PayPal and Capital One. The only updates that I ever received were verbal confirmation that they were paid and at some time in 2018 or early 2019 she showed me a printout of my credit report which listed my credit as over 700. Approximately 2-21, I was experiencing a panic attack and mental disturbance while being harassed by Miss Jackson while she was driving my vehicle. I wanted to go home. She refused and continued to harass me while attempting to force me to contact associates about procuring opioids for her because she was in withdrawals. I struck her twice in the arm. At that time she took me home. The police were called and I was arrested. A restraining order was placed in which she told the judge that she was completely dependent on my home, my vehicles and my income as her only form of support. This was unfactual as she also received roughly the same amount as me in SSI whereas I receive SSDI, and all bills were split between her myself my father and my stepmother. Each of our shares were approximately $350 a month as can be attested to on the financial reports supplied to social Security and the Georgia welfare programs. I was not allowed access to any monies from social Security from that date until my father was made my payee approx 7-22. I had no access to my family lawyer for several months due to this. Upon release I discovered that she had sold the vehicle that she was awarded use of by the restraining order. Her ex husband informed me of this via Facebook messenger which I received upon release. During the conversation to him I threatened legal repercussions and asked him to talk to her regarding where my car was and the money she had received and was arrested for harassment/stalking. The beginning of this year I was awarded control of my own finances for the first time. Upon doing so I discovered a total of three items in collections on my credit report totaling approximately $2,600. Portfolio recovery services (Capital One): $694 Midland credit management (Synchrony Bank): $1028 LVNV Funding LLC (Credit One Bank): $880 They will be removed from my report approximately the beginning of 2026. I am unsure how much money she collected on my behalf as social Security has been extremely difficult to work with me in any way regarding this matter. The original SSA office I spoke to, Barrow County, informed me that because we "lived together as man and wife" that she had full rights to any SSA funds even though we were not married and she was my payee. Several organizations have expressed outrage at the "blunt lie" of that statement as Georgia has not have any form of common law in many many years. I have spoken with social Security Representatives regarding this since I moved to Montana and was informed that it was at minimum inappropriate but likely illegal for her to attain credit on my behalf even with my knowledge as she was only authorized to manage social Security funds. This is a drastically different statement from when I was first awarded disability with a payee. I have also filed 2 reports with social Security regarding the misappropriation of funds but have thus far gotten no response. The first verbally when I was released from prison approximately 7-22 in person at the Barrow county social Security office. The second at the behest of my therapist, local social workers, and Disability Rights Montana was filed electronically approximately 2 months ago. I have contacted the Barrow county Police and filed a report. I have also contacted the three credit reporting agencies about this but no changes were made except to update with "customer disputes: meets Fair Credit reporting standards". I added a consumer statement to explain the situation of the debt reflected on my credit report as well. My previous lawyer, Macklin Smith (Deceased), informed me that any contact with her would likely end with more charges even if it was a lawsuit(because of the previous contact with her ex husband regarding the car and money and threat of lawsuit) and advised me to wait until the restraining order had expired to proceed. I would be satisfied with these items removed from my credit history. If the only way to do that is through civil or criminal litigation then I am comfortable doing so now that the restraining order is expired. Any assistance is greatly appreciated.
submitted by Historical-Speech103 to SocialSecurity [link] [comments]


2024.05.19 20:08 Beginning_Story1811 Edit: Garick Lincoln vs Honnky

Edit: Garick Lincoln vs Honnky
  • Garick Lincoln Elite Solder, Assassin, Mercenary : Year 48. Height: 179-180 Founder of the squad Killerfich Together with his friend Alfred Grant. A rather slippery guy, he has a lot of his own plans and debts. Also known as Black Aim: Black Aim This is the one who beats out debts and rich criminals. Very experienced. He was Steve's best friend and his second mentor. It was Garik who taught Steve how to use a knife and all its techniques. Later on the squad Killerfich In 2024-2025 there was an ambush attack at night during rain. Everyone died except Steve. Steve was saved by Doctor Hermes, where Steve lay unconscious for 3 months. Then Steve put on the helmet of one of his members Killed sticking out and made a promise and carried a sad burden (ptsd) Steve thought that he was the only one who survived, but in fact Garik planned all this to set it up(Why?: I couldn’t think of one yet, I don’t know :)
  • Honnky Elite Ninja, Assassin, Mercenary: At the moment Animosity He is 29 years old. Height: 168 Born and raised in Japan in his own clan. But his clan was killed and he grew up half an orphan (I probably won’t be able to tell his backstory correctly because he’s not my character, but a character Doomed123) I will say one thing, briefly: at the age of 16-17, I participated in the civil war for the Phantom army. He later became Brosco's student. When Honnky He was wounded. Brosko saved him and his eyes woke up meguma: All his ancestors had these eyes and one of his abilities was regeneration. But because it turned on when Honnky If you were seriously wounded, you won’t be able to turn it off, like: if you turn off your eyes, there will be no regeneration and those same wounds will make themselves felt and Honnky dead. ..well, to be honest: this is already some kind of anime, but it’s cool, I like it. The most important thing is not to overdo it and stick to minimalism Gorebox? Idk
Like:
Garick more Solder Honnky more Assasin
Character traits: Garik sometimes often has a slightly sly smile or a dull and at the same time passive expression on his face. Usually a passive face when he is really angry or just having a calm moment
Arts Honnky: Doomed123
submitted by Beginning_Story1811 to GoreBox_F2Games [link] [comments]


2024.05.19 19:45 CapitalFerret1250 Update to: Should I divorce 4 months married or all men like that?

I posted about a month ago, a very controversial post :) that got 12 million views by accident. To sum it up since I deleted the post, I wrote that we had been together 8 years since meeting in college at a prestigious public-ivy, married since end of 2023.
I (27F) just started my last year of medical school and he (27M) just moved across the country to start his new job. I wrote, very superficially, that he made 315K a year, was 6'4, blue-eyed, owned a beautiful 1 acre home (queue I'm looking for a man in finance, 6'5, blue eyed...jokes!!) and that we'd be making 600K combined by 32. We had done a brief open relationship prior to engagement and with the recent move, we discussed re-opening the relationship just for casual company (san intercourse) only while we were doing distance. Some were questioning how I could trust the "sans intercourse" but this man is honest to a fault, has told me other people are much better at xyzzy but consistently reassures me that xyz doesn't make for a solid life-building partnership. During my birthday in April, and he had spent the whole week meeting other women. I wrote that he gave me 6K prior to leaving for my debts but I was in extreme emotional distress.
https://ibb.co/DQRhCKp (proof for the doubters)
Half the thread called me superficial, I just wanted to thank everyone for their feedback. I grew up in a monetarily blessed but chaotic environment (mom was abusive, dad died from cancer when I was in high school) and after he died, money was always the forefront of our concerns. I emphasized that I grew up in one of the most expensive parts of CA where houses are $1.5 million average for a 1800sq place, and mom to this day has never earned more than 50K in her career in ministry. I'm taking 250K+ out in medical school loans, and I have merit scholarships of 65K total over the 4 years. It's stressful as hell, and why I emphasized it in my post. I clarified in the comments that we don't spend much on designer bags/cars/luxury apartments or anything. In total, we spend maybe $200 each on clothes/camping gear for him a year, had a wedding under 8K and an e-ring under 2K. We just want to build a legacy in the work we do, want to ensure our future kids are comfortable, and to start a meaningful fund for the community we end up living in.
That being said, the thread shifted my perspective so significantly, I have never felt luckier in my entire life as crazy as that sounds. We had a lot of conversations since the post was made, and I finally feel safe and secure in my marriage, a feeling I thought I would never feel with any man. He told me that as long as I gave him the word, the open relationship would end. I have yet to do say that, but he has not seen anyone since the post. He has his freedom but has chosen not to do anything and expressed a lack of interest in doing anything on his end.
I'm with a man who supports my career goals (side eye at Kansas Chief's Harrison), who provides both emotional and financial support, who makes me feel fully seen, who is so proud of me. He has consistently put my pursuits first and moved for my career years ago, and he'll do it again when residency comes. Tons of my colleagues are worrying about Hinge in residency and others worry about "the clock ticking" but I'm grateful that I have found my person.
Don't get me wrong, I read every single comment for the last few weeks. His actions were in poor taste but he is a good man. No man I've known or met is perfect, but he is recognizing that he can be too self-serving at times too. I'm a huge proponent of therapy, and that is working well. I am not encouraging anyone stay in a toxic situation at all, please don't if you are. Just an encouragement for those out there that sometimes there's an opportunity to both grow together, in a way that doesn't constitute divorce. We're committed to improving individually and together and will continue building so cheers to that.
I set a reminder in my calendar to update in 10 years. All the best to everyone, nothing but gratitude and positivity.
:)
submitted by CapitalFerret1250 to TwoHotTakes [link] [comments]


2024.05.19 19:38 dnelson2408 Summary of this channel, data, and news for the last 3 weeks.

Summary of this channel, data, and news for the last 3 weeks.
Afternoon all,
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 it’s 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 don’t 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 “squeeze “.
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 company’s share structure and I would like to use this post to help not only my own understanding but also help others. It’s a bit confusing but let’s 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. Let’s call that retail float.
So, retail float = 1.82 million shares.
Let’s 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
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 Interest

· Shares Sold Short: About 9 million shares.
· Retail Float: 1.82 million shares.
· Short Interest as a Percentage of Retail Float: 9 million shares/1.82 million shares≈495%
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. Here’s 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. Let’s 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 Implications

· 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.
· 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.
· 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 You’d 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 Kitty—RILY stock.
First off, let’s talk numbers, because even a superhero knows the importance of a strong financial foundation. RILY has been buying back shares like Alfred buys Bat-gadgets—strategically and frequently. This move isn’t just a nifty trick; IMO it’s a signal that RILY is confident in its value. When a company buys back its own shares, it’s like Batman investing in more Batarangs—it’s a smart play that shows belief in future performance.
But that’s not all, folks. The recent buzz around RILY isn’t just cat signals in the sky—it’s 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, let’s get to the juicy part—earnings and dividends. RILY’s about to drop their Q1 earnings tomorrow, and you know what that means? Dividends! That’s right, folks. RILY is likely to declare a dividend, that our short friends will be paying. Dividends are like the Batmobile’s turbo boost—an 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?
Here’s 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 they’ve 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. They’re in quicksand, and it’s 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 RILY’s stock price.
Short Squeeze Potential: Low public float, company buybacks, insider buying…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 right—JeffAmazon from the GameStop meme trade and Netflix documentary! He made a little tweet tweet on $RILY
Additional Catalysts: What do you all think…..
Stay vigilant, stay smart, and just my thoughts—do your own due diligence and make your own decisions. NFA.
10. FAKE ARTICLE BULLSHIT FUD…………
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 can’t 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 dangerous—laughable.
In RILY's 10k, they marked up their FRG investment FMV $281 million to $286 million…
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 matures—not 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 cash….and they’re 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-10Q
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- “They can win by doing nothing
12 days ago
Outrageous_Appeal_89
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 Don’t 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 in… 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 Quarter

2024 Highlights:

1. Quarterly Dividend Declaration:
  • B. Riley declared a quarterly dividend of $0.50 per share, reflecting the company's commitment to returning value to shareholders. The dividend will be paid on or about June 11, 2024, to shareholders of record as of May 27, 2024.
2. Operational Performance:
  • Despite reporting a net loss of $51 million, the company's core operating businesses demonstrated solid performance. This loss was primarily due to non-cash, unrealized investment losses.
  • Total revenues for the quarter were $343 million. Operating revenues, excluding investment-related impacts, were $379 million, showcasing the underlying strength of the company's operations.
3. Strategic Debt Management:
  • B. Riley successfully retired $115 million of its 6.75% 2024 Senior Notes and repaid $57 million of bank debt facilities and notes payable. This strategic move highlights the company's focus on strengthening its balance sheet and reducing interest expenses.
4. Cash and Investments:
  • As of March 31, 2024, the company had total cash and cash equivalents of $191 million and total cash and investments of $1.61 billion, providing a robust liquidity position to support ongoing operations and future investments.
5. Segment Performance:
  • B. Riley Advisory Services: Delivered its strongest first-quarter results in the firm's history, driven by increased demand for appraisals, bankruptcy restructuring, litigation consulting, and real estate services.
  • B. Riley Securities: Benefited from a steady dealmaking environment, generating higher fee income despite a decrease in overall capital markets segment revenues.
  • Wealth Management: Continued to improve operating margins and managed $25.8 billion in assets by quarter-end.
  • Communications: Provided steady cash flow, contributing to the platform's stability.
  • Consumer Products (Targus): While facing macro headwinds in the PC market, Targus remains a leader in its sector, poised for growth as the market stabilizes.

Leadership Insights:

  • Bryant Riley, Chairman and Co-CEO, emphasized the company's operational stability and strategic focus amidst challenging conditions. The firm's resilience is attributed to the dedication of its employees and robust core business performance.
  • Tom Kelleher, Co-CEO, highlighted the impressive performance of B. Riley Advisory Services and the steady contributions from B. Riley Securities and Wealth Management. He expressed optimism about Targus's potential recovery and the company's strategic investments.

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 Auditor’s Report
One of the positive things I see IMO was for the billion dollar loan that matures in 2026. “On 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.” To me this gives them some flexibility for their cash as there isn’t 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

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2024.05.19 19:21 Shoddy_Move6880 10 USC, 12316 - VA C&P Payment While on Reserve status

Warning: This is a candid expression of my perspective, and I am eager to hear other points of view.
Having dedicated over a decade to military service, spanning active duty, IRR, TR, and IMA roles, I have also been receiving disability compensation for several years. One issue that has increasingly frustrated me is the law preventing Service Members from collecting their entitled VA benefits while on duty. Despite extensive research, I have yet to find a logical justification for this regulation. The common retort, "It's the Government, what is there to understand," no longer suffices.
In my view, once compensation for disabilities has been awarded, Service Members should not be forced to choose between receiving VA benefits and military pay. This policy seems to ignore the reality that disabilities do not simply vanish when one is on military duty. In fact, these conditions could potentially worsen or become aggravated during service.
Beyond the undue burden this places on Service Members, it also complicates operations for the VA. The VA must track periods of service, notify members multiple times, and manage what often amounts to a fabricated debt. Many individuals, based on conversations I've had, leave it to the VA to deduct nominal amounts over the years. However, this debt can grow substantially, further cutting into VA compensation if the Reserve member faces this situation annually. This approach undermines the VA's ability to effectively support veterans.
I welcome any feedback. Do you share this frustration? Can you provide insight or understanding into this issue?
Here is 10 U.S.C. 12316 for reference https://www.govinfo.gov/content/pkg/USCODE-2010-title10/html/USCODE-2010-title10-subtitleE-partII-chap1209-sec12316.htm
submitted by Shoddy_Move6880 to Veterans [link] [comments]


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