Zovia 1 50e reviews

/r/moviescirclejerk

2012.01.24 06:42 ElBeh /r/moviescirclejerk

"we live in a society" - frederick nietzsch
[link]


2009.07.24 10:21 malanalars Analog Photography

Film photography subreddit. Ask anything about analog photography in our weekly "ask anything" thread, or share photos. For discussion of how to shoot film, buying advice, or what went wrong on your first roll head on over to /analogcommunity.
[link]


2015.01.29 08:41 wisintel litrpg

Welcome to litrpg, the ultimate community for fans of LitRPG literature! Whether you're an avid reader, a curious newcomer, or an aspiring writer, this subreddit is the perfect hub for all things LitRPG. Dive into a world where virtual reality and gaming elements blend seamlessly with epic storytelling and immersive adventures. Share your favorite LitRPG novels, discuss character progressions, recommend hidden gems, and engage in lively conversations with like-minded enthusiasts.
[link]


2024.05.14 05:50 ChampionshipMurky758 I -130 approved today !! :)) counting days for - I-485

PD - 12/1/2023 - I-130 first started at 5 months (very accurate tbh) - fingerprints and EAD in about a two months - I-485 updated to actively reviewing right after biometrics .. after that -I 130updated to 4 months and then to 12 months until last week when i received an email about an action being made. Today I-130 was approved ( saw the approval letter on Sat May 11th) Should i expect for GC approval soon ?
submitted by ChampionshipMurky758 to USCIS [link] [comments]


2024.05.14 05:50 tragic_girl13 So let's discuss Hootie's 2nd record, Fairweather Johnson, because it's an interesting case in my eyes...

So ofc many know of Cracked Rear View, their debut which sold like the plague being certified 21x Platinum in the US alone. And as a kid currently in her teens, it's a pretty good album and I get the hype absolutely... what I don't rlly understand is the hate for Fairweather Johnson... it's not that bad rlly, it's not as good as their debut but it's a solid album with some nice songs like Tucker's Town and Sad Caper. But even so it initially sold well and even peaked at #1, but it also got mixed reviews and subsequently almost immediately fell off the charts and sales and fell right into obscurity. I don't rlly get that. But hey, maybe I'm not seeing the clear trainwreck in front of me, so tell me what yall think of Fairweather Johnson and/or give insight to it and its failing.
submitted by tragic_girl13 to Music [link] [comments]


2024.05.14 05:45 stressed___depressed Can someone confirm if this kpop seller is a scammer?

Hi, my friend sent me this link to one of the signed albums they're selling, but I believe they are selling fakes for a number of reasons (suspicious reviews, no items linked in reviews, no promo stickers anywhere on the albums, albums from artists that couldn't have signed them...)
Can someone confirm or deny my suspicion? Thank you in advance!
submitted by stressed___depressed to kpophelp [link] [comments]


2024.05.14 05:44 buttjuliothikk Why I think KENDU is about to run... HARD

Why I think KENDU is about to run... HARD
Here's the deal. There's a lot of chatter about the return of meme stocks and I'm sure you've all seen GME and AMC charts from today. Fucking rockets... but lets talk about meme coins and why I think there is going to be a brand new set of meme millionaires born from the meme action we're seeing today. (I'll save you some time if you don't feel like reading... they'll all be in KENDU).
As you all know, back in the good ol' days of 2021 when we were all face humping masks and rotting in our houses, some real fun was had and a lot of "New Money" millionaires were born. Some of these were from meme stocks, but a lot of people made fat bags on meme coins which they carry with them to this day.
First in Jan/Feb $DOGE pumped. Following this, $SHIBA ($KENDU's Chad in Arms) pumped. These coins lost a bit off the top, but have sustained multi-billion dollar market caps to this day. But could they have done it on their own? Was this all just coincidence? Were market conditions so different that these pumps were just a factor of people being stuck at home with nothing better to do than sit there, thumb in ass, trading memes? Science says NAY!!

Please bear in mind that I'm wearing a helmet, which might have restricted some of the blood flow to my brain. This is NFA and you should DYOR... but I'm all in.

To prove my point, I am referencing the paper "The connectedness between meme tokens, meme stocks, and other asset classes: Evidence from a quantile connectedness approach" by Yousaf et al. from 2022. Please note that I only have access to the pre-print, so the peer-reviewed edition might be a little different, but I would muster a guess, not really.
These authors are using data from 2020-2022, which includes data outside of the range of what I would consider the "hard" meme squeeze (Jan. 2021 and the few months following). Given the analysis from this paper was done using data from August 2020 to April 2021, I posit that the conclusions the authors draw, can and will apply to meme events outside of the infamous 2021 meme run which some might say is the primary reason meme coins squoze. The HUGE meme coin runs we saw in SHIB and DOGE might have been born of the "Funny Money" era, but lock-down degeneracy isn't the end all when predicting price movements.
The meat
"Why, Butt?" I hear you ask. "Why do you bring this paper up?". Surely it can't be because you wanted to "prove" that meme coins can run outside of the golden age of meme pumps? Well dear Redditor... yes and no. I bring it up also because of the interesting point it mentions about how predictive certain market events are for similar market events in other assets.
To do this, the authors use Quantile Connectedness (QC) to analyze Meme stocks, Meme coins, and some more traditional asset classes like USD, Treasuries and Gold. QC is a concept used in economics to measure the degree of interdependence (how connected things are) among different segments of financial markets. The method uses some fancy stats and math to do so, and the analysis done in this paper says some interesting things about the interplay between traditional assets, meme assets and meme pumps (summarized in the following screen grab).
Memes go brrrrrr... other things do too

Yousaf, 2022 - The connectedness between meme tokens, meme stocks, and other asset classes: Evidence from a quantile connectedness approach.
So... market events in the upper extreme quantile (or in laymen terms, extreme upwards market movements) in meme assets tend to cause spillover events into both meme assets and traditional financial assets. That's interesting... You know what we saw today? An extreme upward market movement. Specifically GME and AMC, which are both up over 100% (in after hours) from previous close.
Second, and perhaps more of a bull case for me... the spillover events are even more well predicted by movement in meme stocks than they are by movement in BTC (please see the useful red circle in the screen-grab below). Higher number = better prediction of spillover event. So, SO often, I hear people predicting runs in the smaller meme coins based strictly on what BTC is expected to do. But it turns out, there's an even better predictor!!! Meme stocks!
Please also note: The authors state "All meme assets are highly positively skewed, which reflects their price surges during short squeezing periods." Pretty sure this means, green begets more green for these spillover events.
The spillover effects from extreme moves in GME, AMC, and BTC as they relate to DOGE and SHIB
All this brings me to my last point. What does this all mean for meme coins and for $KENDU?
I hear you thinking "Why not just choose SHIB or DOGE, Butt?" and I get it... safe bets that will for sure "moon". Yes... "moon" :eye roll:
These coins are fine and good if you want to just grow the bags you've been holding and just keep, HODLing... but I know the real reason you all are playing meme coins, and it's that sweet, sweet alpha. You don't want to see the 2x, or 3x that these bigger memes might fetch during the next run. You're looking to eat zeros... and the only way to do that is to get in early with a coin that is going to FUCKING RUN!

Enter KENDU INU... it's the coin that "Can do"
Arguably, the most important fundamental for a meme coin is the hype that it generates and how infectious its energy is. Well, you're not going to find a more hype community with a more infectious can do attitude than the KENDU community. The TG is wild, memes are on point, new art being made ALL THE TIME, and so much love and support for every single member in the Kendu clan.
Ignoring the fluffy feel good stuff though (NO DON'T DO THAT), what does this coin really have going for it. I'm glad you asked.
  • We have strong support in the 40M range right now and are primed to run.
  • There are ABSOLUTELY (and we mean stay TF away if your looking to trade capital for services) no paid shills. Everyone is working hard to get this coin to 1BN+ and to get there organically! We know we can do it!
  • Shytoshi Kusama (the project lead for SHIB) has been following the project since 300 xitter followers. Shytoshi has also joined our Telegram community and said that he wants to feature KENDU in Shiba Magazine (Look for the screen grabs in the comments).
  • The mega-chad developer, Kendu Miyazaki, has run multiple projects to 100M+ and is an incredibly active part of the community.
  • The coin has recently been listed on some BIG crypto tracking platforms like CMC.
  • 3 top 10 exchanges are lined up to launch KENDU when the time is right. One of these exchanges is a top 5 CEX !!!
  • The community! The community! The community!! (One more time for those who didn't hear: The Community!). This community is unhinged in the best way. So many people dedicated to the success of the coin and to keeping positive vibes going ALL THE TIME in the Telegram.
  • What more sorta hype could you ask for!!
I will leave you with this. Dump those trash coins, put your M-Effin helmet on, and join the KENDU Clan!

Screw these JEET ass meme coins. KENDU is the only play!

TLDR:
  1. Huge meme alpha was not strictly generated from pandemic lock-down funny money degeneracy.
  2. The GME and AMC pumps we saw today are a good predictor for what's to come with meme coins.
  3. You want alpha and to add to zeros to your portfolio. Bigger coins WILL NOT do that as well for you.
  4. Those other meme coins don't hold a candle to the dedication and spirit that all my fellow KENDU Chad's have!
  5. IT'S STILL FUCKING EARLY!!!
TLDR the TLDR: Meme coins are going to run and $KENDU is going to own the day!
submitted by buttjuliothikk to KenduInu_Ecosystem [link] [comments]


2024.05.14 05:32 shaneka69 Get A Tarot Reading Today! ALL READINGS SENT SAME DAY THEY ARE BOOKED

Tarot Reader since 2017 who has fully mastered in depth readings to bring true insight to the energies and circumstances you are dealing with, with the use of Oracle and Astrology as well. Shaneka's Services And Contact Linktree
get a tarot reading
how often should you get a tarot reading
should i get a tarot reading
is it good to get a tarot reading
how much does it cost to get a tarot reading
how often should i get a tarot reading
best time to get a tarot reading
reasons to get a tarot reading
where can i get a tarot reading
why you should get a tarot reading
get a tarot reading online
getting a tarot reading in a dream
how to get the tarot card at arasaka tower
how to get the tarot card above misty
what age can you get a tarot reading
how to ask for a tarot reading
ways to do a tarot reading
how to get tarot reading
what to do if you get a bad tarot reading
what to know before getting a tarot reading
what to expect when getting a tarot reading
get a tarot reading for free
a tarot reader
is it bad to get a tarot card reading
when you get a bad tarot reading
best tarot cards to get in a love reading
can you get a bad tarot reading
how to get a better tarot reading
can you get a tarot reading online
where can i get a tarot card reading
can i get a free tarot reading online
how often should you get a tarot card reading
get a tarot card reading
worst cards to get in a tarot reading
what do you get from a tarot reading
i got a tarot card reading
i want a tarot reading
i need a tarot reading
how to get a free tarot reading
what is a general tarot reading
when should i get a tarot reading
how long should a tarot reading be
how to get a tarot reading
how many times can you get a tarot reading
how to get the most out of a tarot reading
how to get a good tarot reading
is it safe to get a tarot reading
when is the best time to get a tarot reading
why get a tarot reading
learn tarot reading near me
what happens when you get a tarot reading
where to get a tarot reading near me
get a card reader natwest
buy tarot card near me
when not to get a tarot reading
what to get a tarot reading on
buy tarot card online
quick tarot reading
questions to ask when getting a tarot reading
questions for a tarot reading
should you get a tarot reading
getting a tarot reading
what to do when you get tarot cards
get a reading with theresa caputo
where to get a tarot reading
x tarot reversed
z tarot
1 tarot card reading
2 tarot card reading
2 card tarot reading free
2 card tarot spreads
3 tarot reading
3 card reading tarot free
3 card tarot reading new age store
3 card tarot reading questions
4 card tarot reading free
4 tarot card reading
4 tarot card reading meaning
5 card tarot reading free
5 card reading tarot
6 card tarot reading free
how to read a 6 card tarot spread
6 card reading tarot
6 card relationship tarot spread
7 tarot reading
7 card tarot reading free
7 card tarot reading free online
8 card tarot reading
8 card spread tarot reading
9 card tarot reading
how to read a 9 card tarot spread
psychic reading
psychic reading near me
psychic reading free
psychic reading online
free psychic reading by date of birth and time
psychic reading free love
psychic reading cards
psychic readings by danielle
psychic readings by alicia
psychic reading meaning
eva tarot psychic reading
rebecca's psychic reading ted lasso
free psychic reading app
psychic reading ai
psychic reading apple pay
psychic reading banner
bali psychic reading
bobby brown psychic reading
benefits of psychic reading
bts psychic reading
birth chart psychic reading
best psychic reading
psychic reading cards meaning
psychic reading cards deck
daily psychic reading free
dallas psychic reading nyc
david schultz psychic reading
dark psychic reading
dangers of psychic reading
psychic reading elijah vue
psychic readings near me
psychic reading near me open now
elijah vue psychic reading
empress chain spiritual psychic reading
ethical psychic reading
email free psychic reading
experienced psychic reading
elsa psychic reading
psychic reading for taurus
psychic reading for today
psychic reading for riley strain
psychic reading for 2024
psychic reading free by date of birth
psychic reading flyers
psychic reading for aries
psychic reading for elijah vue
free psychic reading for love
free psychic reading cards
free psychic reading for leo
fertility psychic reading free
free psychic reading for virgo
free psychic reading for libra
free psychic reading for cancer
free psychic reading for taurus
psychic reading generator
psychic reading gif
psychic reading german
psychic reading gold creek
gemini psychic reading
gretchen fleming psychic reading
ghost psychic reading
goddess elite psychic reading
kelsey grammer psychic reading
sal governale psychic reading
psychic reading hannah mount sinai
psychic reading hoodie xplr
headache after psychic reading
horoscope psychic reading
howard stern sal psychic reading
henry cavill psychic reading
hand psychic reading
psychic reading in st louis mo
psychic reading in weymouth
impractical jokers psychic reading episode
i get a free psychic reading
i free psychic reading
psychic reading jobs online
psychic reading joslin smith
psychic reader joyce
psychic reader jerry
tarot reading jobs
tarot reading jakarta
tarot reading jobs from home
tarot reading jobs near me
tarot reading journal
tarot reading jobs remote
jungkook psychic reading
joslin smith psychic reading
january psychic reading
jade psychic and tarot reading cape town
kate middleton psychic reading youtube
kyle psychic reading
kim porter psychic reading
kim's psychic reading room
kris jenner psychic reading
kim kardashian psychic reading
kpop psychic reading
kelsey psychic reading
princess kate psychic reading
psychic reading lounge reviews
psychic reading ltd
love psychic reading free
libra psychic reading
leo psychic reading
love psychic reading free by date of birth
live psychic reading free online
love psychic reading online
leo psychic reading today
psychic reading meaning in hindi
psychic reading malaysia
psychic reading malvern
psychic reading meaning in hindi with example
morgan nick psychic reading
matthew perry psychic reading
my psychic reading today
psychic reading near scarborough
nebula psychic reading
nebula astrology and psychic reading
turkish coffee psychic reading near me
yes or no psychic reading
psychic reading online free
psychic reading online cards
psychic reading on riley strain
psychic reading on elijah vue
psychic reading on samantha murphy
online psychic reading manchester
old port maine psychic reading
online psychic reading
psychic reading pathfinder
psychic reading pismo beach photos
psychic reading pismo beach reviews
psychic reading princess kate
psychic reading quiz
tarot reading questions
tarot reading quotes
tarot reading questions about love
tarot reading quiz
spiritual reading quotes
tarot reading questions about career
tarot reading questions about life
tarot reading queen of cups
tarot reading quezon city
question psychic reading
relationship psychic reading questions
que significa psychic reading
que es psychic reading
psychic reading riley strain
psychic reading royal family
relationship psychic reading free
rebecca welton psychic reading
ryan shtuka psychic reading
random psychic reading
rose renee psychic reading
cameron robbins psychic reading
psychic reading spotify
psychic reading shirt
psychic reading shreveport
psychic reading today
psychic reading tube top
psychic reading template
turkish coffee psychic reading
ted lasso rebecca psychic reading
tarot psychic reading near me
tea leaf psychic reading
today's psychic reading
turkish coffee psychic reading nyc
true love psychic reading
tiktok psychic reading
taurus psychic reading
psychic reading ubud
tarot reading ubud
tarot reading using playing cards
tarot reading uk free
tarot reading upside down cards
tarot reading uluwatu
spiritual reading ubud
tarot reading unique
tarot reading utah
tarot reading udemy
unintentional psychic reading
online psychic reading us
psychic reader reading uk
psychic reading in urdu
virgo psychic reading
valentine psychic reading
vicki psychic reading
vivid psychic reading
vampire psychic reading
psychic reading with playing cards
what is psychic reading
xplr psychic reading hoodie
x-men psychics
x and y psychic pokemon
x psychopath reader
psychic reading yes or no
tarot reading yes or no
tarot reading youtube
tarot reading yes or no accurate
tarot reading youtube channels
tarot reading yes or no in hindi
tarot reading yes or no horoscope
tarot reading yourself
tarot reading yellow springs
yellow pages psychic reading
can you share your psychic reading
psychic reading 100
psychic reading 101
tarot reading 100 accurate
tarot reading 10 card spread
tarot reading 101
tarot reading 1 card
tarot reading 10 cards
tarot reading 111
tarot reading 10 of cups
tarot reading 1111
1.99 for 10 minutes psychic reading
10 minute psychic reading for $1
2024 psychic reading
psychic number 2 meaning
2 of pentacles psychic revelation
2 of wands psychic revelation
2 swords psychic revelation
tarot reading 3 card spread
tarot reading 3 cards
tarot reading 3 of cups
tarot reading 333
tarot reading 3 kings
tarot reading 31st
tarot reading $35
psychic number 3 meaning
flight 370 psychic reading
3 of swords psychic revelation
3 of pentacles psychic revelation
3 of wands psychic revelation
43551 psychic reading
4 psychic number
4 swords psychic revelation
4 of pentacles psychic revelation
tarot reading 5 card spread
tarot reading 5 of cups
psychic empath 5 books in 1
tarot reading 6 cards
tarot reading 6 of swords
tarot reading 6 of cups
psychic revelation 6 of wands
tarot reading 7
tarot reading 7 card spread
tarot reading 7 of cups
tarot reading 7 of swords
tarot reading 77084
psychic readings 90
tarot reading 9 card spread
tarot reading 94538
submitted by shaneka69 to mytarotreadings [link] [comments]


2024.05.14 05:24 TheLotStore Understanding the Process of Owner Financing for Houses

Understanding the Process of Owner Financing for Houses
Understanding the Process of Owner Financing for Houses
Understanding the Procedure of Landlord Funding for Residences
Landlord funding is a method that allows proprietors to vend their properties directly to purchasers without engaging traditional lenders. This form of funding can be an appealing option for both marketers and purchasers, distinctly in scenarios where traditional funding is challenging to gain. In this piece, we will scrutinize the procedure of landlord funding for residences, encompassing its advantages and potential inconveniences for both factions implicated.
What Is Landlord Funding?
Landlord funding, also recognized as vendor funding or vendor carryback, is a real estate transaction in which the dealer of a property delivers funding for the purchaser. Instead of the buyer gaining a mortgage from a bank or other traditional lender, the dealer operates as the lender and delivers the funding for the purchase. This usually contains the dealer assenting to a down payment from the buyer and then authorizing the buyer to make monthly payments until the property is paid off in full.
Advantages of Landlord Funding for Marketers
There are numerous advantages for marketers who opt to propose landlord funding for their properties. One of the principal advantages is the capability to captivate a broader pool of potential purchasers. In abundant scenarios, purchasers who are incapable to acquire traditional funding owing to substandard credit, self-employment, or other causes may still be adept to obtain a property through landlord funding.
Additionally, dealers may be skilled to mandate a higher retailing price for their property when granting landlord funding, as they have the aptitude to set their own terms and interest rates. This can culminate in a superior comprehensive return on investment for the dealer.
Another perk of landlord funding for marketers is the prospect for recurrent income. Alternatively of collecting a lump sum of cash from the sale of their property, dealers can receive regular monthly payments, which can cater a trustworthy stream of income over time.
Advantages of Landlord Funding for Purchasers
Purchasers may also ascertain landlord funding to be an appealing option for procuring a residence. One of the premier advantages for purchasers is the capability to procure a home without having to fulfill the stringent prerequisites of traditional lenders. This can be markedly profitable for purchasers with less-than-ideal credit or those who are self-employed.
Additionally, landlord funding can afford purchasers with more flexibility in bargaining the terms of the sale. For instance, purchasers may be able to negotiate a reduced down payment, a lower interest rate, or an elongated repayment period with the dealer.
Another advantage for purchasers is the potential for a prompter and more straightforward finalizing process. Since landlord funding does not involve traditional lenders, the closure process can recurrently be achieved more expeditiously and with fewer hoops to traverse.
Potential Drawbacks of Landlord Funding for Marketers
While landlord funding can yield numerous advantages for marketers, there are also potential drawbacks to ruminate. One of the principal drawbacks is the jeopardy of nonpayment. If the buyer neglects to make their programmed payments, the dealer may need to endure the procedure of reclaiming the property and finding a new purchaser. This can be a time-consuming and valuable procedure, and may infer in a financial loss for the dealer.
Additionally, extending landlord funding can confine a substantial amount of the dealer's capital in the property, which may hinder their capacity to invest in other prospects. Dealers also shoulder the liability of market alterations that could plausibly devalue the property over time, diminishing the entire return on investment.
Potential Drawbacks of Landlord Funding for Purchasers
For purchasers, one potential drawback of landlord funding is the higher interest rates that are habitually affiliated with this form of funding. Since dealers have the capability to set their own terms, purchasers may culminate paying a higher interest rate than they would with a traditional mortgage.
Another potential drawback for purchasers is the absence of protection and oversight delivered by traditional lenders. Since landlord funding does not involve a financial institution, purchasers may miss out on imperative protections and regulations that are systematically provided in a traditional mortgage agreement.
The Procedure of Landlord Funding for Residences
The procedure of landlord funding for residences mostly commences with the dealer and buyer haggling the terms of the sale. This encompasses determining the purchase price, the down payment amount, the interest rate, and the repayment timetable. Both factions may also need to accede on any supplementary terms, such as the length of the repayment period and any penalties for late payments.
Once the terms have been established, the factions will need to contrive a promissory note, which delineates the particulars of the funding agreement. This document will encompass pivotal information such as the loan amount, the interest rate, the repayment calendar, and any penalties for nonpayment.
In adjunct to the promissory note, the factions will also need to formulate a deed of trust or mortgage, which serves as collateral for the loan. This document will confer the dealer the right to foreclose on the property if the buyer neglects to make their programmed payments.
Once the funding agreement has been concluded and the indispensable documents have been devised, the factions can proceed with the closing process. This customarily encompasses the buyer making a down payment and signing the funding documents, as well as transferring the title of the property to the buyer.
After the sale has been concluded, the purchaser will commence making monthly payments to the dealer in accordance with the terms of the funding agreement. The dealer will then be obligated for administering the payments and guaranteeing that the purchaser abides by the terms of the agreement.
Regulatory Considerations for Landlord Funding
It's pivotal to note that landlord funding for residences is subject to assorted regulatory considerations, which can deviate by state and local jurisdiction. Marketers and purchasers should be cognizant of any regulations that may be pertinent to their specific circumstances, encompassing disclosure requirements, interest rate restrictions, and other legal considerations.
In some scenarios, marketers may be obligated to provide certain disclosures to purchasers, such as information about the property's condition or any potential hazards. Additionally, marketers may be subject to restrictions on the interest rates they can charge for landlord funding, so it's pivotal to be cognizant of any applicable regulations.
Purchasers should also be cognizant of their rights and responsibilities when it comes to landlord funding, encompassing their obligations to make prompt payments and sustain the property in accordance with the terms of the agreement. It's pivotal for purchasers to scrupulously review the funding documents and seek legal counsel if essential to guarantee that they comprehend their rights and obligations.
Observations for Triumphant Landlord Funding
For marketers and purchasers contemplating landlord funding for a residence, there are several observations to bear in mind to guarantee a prosperous transaction.
For marketers:
  1. Perform thorough due diligence on potential buyers: Take the time to meticulously vet potential buyers to guarantee they have the capacity to make their programmed payments and maintain the property.
  2. Consult with legal and financial professionals: Seek advice from legal and financial professionals to guarantee that the funding agreement conforms with all applicable regulations and shields your interests.
  3. Consider engaging a loan servicing company: A loan servicing company can aid in managing the monthly payments and guarantee that the buyer abides by the terms of the agreement.
For purchasers:
  1. Review the funding agreement scrupulously: Thoroughly review the funding documents and seek legal counsel if essential to guarantee that you comprehend the terms and your obligations.
  2. Be prepared for higher interest rates: Since proprietors can set their own terms, be prepared for potentially higher interest rates than you would find with a traditional mortgage.
  3. Consider engaging a real estate attorney: A real estate attorney can aid in reviewing the funding documents and delivering guidance throughout the process to shield your interests.
Conclusion
Landlord funding for residences can be an appealing option for both marketers and purchasers in some scenarios. This form of funding delivers flexibility and convenience for both factions and can be an effective way to facilitate the sale of a property when traditional funding is not feasible.
However, it's imperative for marketers and purchasers to meticulously contemplate the potential advantages and drawbacks of landlord funding before engaging into an agreement. Marketers should be mindful of the perils and obligations associated with landlord funding, while purchasers should be aware of the potential drawbacks and the necessity to scrupulously review the terms of the funding agreement.
By comprehending the procedure of landlord funding and pursuing professional guidance when necessary, marketers and purchasers can navigate this form of funding triumphantly and accomplish their respective goals in a real estate transaction.
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/understanding-the-process-of-owner-financing-for-houses/?feed_id=10178
submitted by TheLotStore to u/TheLotStore [link] [comments]


2024.05.14 05:24 Itssolved123 Harness the potential of your CRM implementation with these crucial do's and don'ts Use insights and take your CRM strategy to the next level.

Harness the potential of your CRM implementation with these crucial do's and don'ts
Use insights and take your CRM strategy to the next level.

Do's of CRM

  1. Allocate Resources Wisely: Ensure your team dedicates time to the CRM project or hire a consultant who understands your needs.
  2. Adopt a CRM Project Management Methodology: Streamline processes with methodologies like Agile or Kanban for better coordination.
  3. Get Buy-In from Staff: Educate your team on CRM benefits and provide training for efficient usage.
  4. Regularly Review CRM: Continuously assess and adapt your CRM to evolving business needs.
  5. Select the Right Partner: Choose a CRM expert aligned with your requirements and budget.

Don'ts of CRM

  1. Don't Treat CRM as Just Software: Understand CRM as a strategic shift in your business, not just a software installation.
  2. Don't Rush Software Selection: Identify specific business needs and select the right CRM solution.
  3. Don't Forget to Update Information: Keep processes and documentation updated for smooth transitions and user understanding.
  4. Don't Expect Instant ROI: CRM success takes time and expertise, don't expect overnight results.
  5. Avoid Communication Lapses: Ensure clear communication at all levels to prevent project failure and resistance to change.
Implement these strategies to maximise the effectiveness of your CRM and drive a business success!
To read our full blog: https://www.itsolutionssolved.com.au/blogs/post/dos-and-donts-of-crm
Use insights and take your CRM strategy to the next level.
submitted by Itssolved123 to zoho_crm_ [link] [comments]


2024.05.14 05:20 JoshuaSingh11 Scientific studies on mercury and adverse effects

  1. A Cross-Sectional Study of Blood Ethylmercury Levels and Cognitive Decline Among Older Adults and the Elderly in the United States
    • "Significantly increased risks for lower animal fluency test (odds ratio (OR) = 13.652, p = 0.0029) and CERAD W-L delayed recall test (OR = 6.401, p = 0.0433) scores were observed among the higher ethyl-Hg exposure group as compared to the lower ethyl-Hg exposure group. This study supports the hypothesis that increased ethyl-Hg exposure is associated with significant cognitive decline in older adult and elderly Americans."
  2. Thimerosal-Derived Ethylmercury Is a Mitochondrial Toxin in Human Astrocytes: Possible Role of Fenton Chemistry in the Oxidation and Breakage of mtDNA
    • "Ethylmercury causes a 50% collapse in membrane potential in astrocytes at 1 hour. Accompanying this collapse in membrane potential we observe a significant increase in the levels of various ROS. The internal mitochondrial steady state level of superoxide increases by 70% in treated cells and is matched by an increase in cellular hydrazine reactive carbonyls. Using H2DCF-AM we observe a 200% increase in steady state production of reactive oxidants, which from deconvolution we know to be mitochondrially generated (Figure 2). Mitochondrial DNA, and not nuclear DNA, is far more vulnerable to ethylmercury-induced damage. We observe a 240% increase in the levels of mitochondrial DNA breaks, a 300% increase in 3′OH DNA nicks and 460% increase in the levels of oxidized bases/apurinic or apyrimidinic sites"
    • "At higher concentrations (>7.2 μM Thimerosal) a loss of mitochondrial signal and of DCF is observed."
  3. The relationship between mercury and autism: A comprehensive review and discussion
    • "This review found 91 studies that examine the potential relationship between mercury and ASD from 1999 to February 2016. Of these studies, the vast majority (74%) suggest that mercury is a risk factor for ASD, revealing both direct and indirect effects. The preponderance of the evidence indicates that mercury exposure is causal and/or contributory in ASD."
  4. Examining the evidence that ethylmercury crosses the blood-brain barrier
    • "22 studies from 1971 to 2019 show that exposure to ethylmercury-containing compounds (intravenously, intraperitoneally, topically, subcutaneously, intramuscularly, or intranasally administered) results in accumulation of mercury in the brain. In total, these studies indicate that ethylmercury-containing compounds and Thimerosal readily cross the BBB, convert, for the most part, to highly toxic inorganic mercury-containing compounds, which significantly and persistently bind to tissues in the brain, even in the absence of concurrent detectable blood mercury levels."
  5. Comparison of blood and brain mercury levels in infant monkeys exposed to methylmercury or vaccines containing thimerosal
    • "These studies indicate that ethylmercury-containing compounds and Thimerosal readily cross the BBB, convert, for the most part, to highly toxic inorganic mercury-containing compounds, which significantly and persistently bind to tissues in the brain, even in the absence of concurrent detectable blood mercury levels."
    • "The results indicate that MeHg is not a suitable reference for risk assessment from exposure to thimerosal-derived Hg. Knowledge of the toxicokinetics and developmental toxicity of thimerosal is needed to afford a meaningful assessment of the developmental effects of thimerosal-containing vaccines."
    • "The average concentration of inorganic Hg did not change across the 28 days of washout and was approximately 16 ng/mL (Figure 7). This level of inorganic Hg represented 21–86% of the total Hg in the brain (mean ± SE, 70 ± 4%), depending on the sacrifice time. These values are considerably higher than the inorganic fraction observed in the brain of MeHg monkeys (6–10%)."
    • "Absolute inorganic Hg concentrations in the brains of the thimerosal-exposed monkeys were approximately twice that of the MeHg monkeys."
  6. Exposure to Inorganic Mercury Causes Oxidative Stress, Cell Death, and Functional Deficits in the Motor Cortex
    • "It was observed that chronic exposure to inorganic mercury caused a decrease in balance and fine motor coordination, formation of mercury deposits and oxidative stress verified by the increase of lipoperoxidation and nitrite concentration and a decrease of the total antioxidant capacity. In addition, we found that this model of exposure to inorganic mercury caused cell death by cytotoxicity and induction of apoptosis with a decreased number of neurons and astrocytes in the motor cortex. Our results provide evidence that exposure to inorganic mercury in low doses, even in spite of its poor ability to cross biological barriers, is still capable of inducing motor deficits, cell death by cytotoxicity and apoptosis, and oxidative stress in the motor cortex of adult rats."
  7. The retention time of inorganic mercury in the brain--a systematic review of the evidence
    • "Estimates from modelling studies appear sensitive to model assumptions, however predications based on a long half-life (27.4 years) are consistent with autopsy findings. In summary, shorter estimates of half-life are not supported by evidence from animal studies, human case studies, or modelling studies based on appropriate assumptions. Evidence from such studies point to a half-life of inorganic mercury in human brains of several years to several decades. This finding carries important implications for pharmcokinetic modelling of mercury and potentially for the regulatory toxicology of mercury."
  8. Astrocytes in the central nervous system and their functions in health and disease: A review
    • "Because astrocytes contain metal-binding proteins such as metallothionein, they are also involved in the uptake and sequestration of some heavy metals."
  9. Proximal tubular transport of Metallothionein-Mercury complexes and protection against nephrotoxicity
    • "MT has a very high affinity for Hg; thus, mercuric ions that are not already bound to MT may bind to MT within the cytoplasm to form large Hg-MT complexes that may be retained in the cell. This will be particularly true in segments of proximal tubules that have higher levels of MT, i.e., cortical proximal tubules. MT is capable of binding 6–11 molecules of Hg (He et al., 2021); thus, it is logical that cells and tissues with higher levels of MT will accumulate more Hg."
  10. CHD's Compilation Of Peer-Reviewed, Published Research Showing Adverse Effects of Mercury
submitted by JoshuaSingh11 to RFKJrForPresident [link] [comments]


2024.05.14 05:20 MrRobot1349 How to deal with colleagues which have skill issues?

We recently started writing code in a certain new language. I took a lot of my personal time learning this language and built my own project in it, in order to prepare myself for this language. There was a development process involving other devs and me which are skilled in that language writing the initial code. These devs left and now I am the only one who knows that language. Now its time to fix bugs and my team including my team lead are not prepared at all. They can't read the code and complain that it is over complicated. I don't deny that code is complicated and could be more straightforward but isn't it a skill issue that you complain about code being complicated? Now I will be rewriting all code in order to simplify it and decouple so these guys can understand it. It is just infuriating that my team lead and colleagues are not ready for complicated stuff and kind of stuck on same level they used to, meanwhile I try to learn all advanced concepts which they never heard of.
To answer the questions you might have: 1) yes they were aware that they need to learn new stuff 2) yes I reminded them million times on retros 3) yes I offered my help in learning and preparations
What would you do in this situation? I feel really stuck with these guys as I need someone smarter than me to review my code and someone who can understand what I am saying.
submitted by MrRobot1349 to ExperiencedDevs [link] [comments]


2024.05.14 05:19 chiefsmokedyou I Just Passed A+ 1102!

Hello everybody!
I just wanted to come by and say that I passed on my first attempt with a 705. I passed by a hair with a low score, but I'll take it. What definitely helped me through were Professor Messer's free YouTube video playlist on 2x speed, (I also bought his notes, you don't have to but for me going over it a few times helped), as well as the CompTIA A+ Core 2 (220-1102) Practice tests on Udemy. I also looked at a playlist of PBQs on YouTube and it somewhat helped, but I didn't get any of those questions for my sims. I don't mean to bag on Jason Deon's Practice tests, but I used them as well. However, they weren't anything similar to what I was being tested on during the CompTIA exam which prompted me to look at the reviews and most said the practice exams were a bit outdated and further from the CompTIA 220 1102 Exam Objectives. I don't encourage anybody to cram study, but I had to cram study this last weekend because the time for my first course for WGU is coming to an end in two days. Core 1 is my next course, so I'll have to buckle down and not cram study again. Also, life has thrown me a few curveballs, so it's been hectic and crazy the last few weeks. To those who have doubts, don't doubt yourself, just go over the objectives, make sure you can understand the concepts and it will get you through!
submitted by chiefsmokedyou to CompTIA [link] [comments]


2024.05.14 05:19 wreckArtTho Help me decide

Bpo or Government agency?
I am (24M) a licensed professional and I am currently working at a bpo company (1 month trainee). After I graduated college, nag trabaho ako kaagad as an office secretary sa isang private company for 11 months. Nag resign ako para makapag review and take board exams last year. Fortunately, naka pasa kahit late na compared sa mga batchmates ko. After makapasa, nag apply2 kaagad ako kasi financially drained na kme. So ayun, after ilang months naka pasok ako sa bpo. I really like the office setting and of course the salary and benefits.
Fast forward kanina lng, na invite ako for interview sa isang government agency na related talaga sa profession ko. Eh nirefer lng ako at d ko alam ang full job details. Ang alam ko lang is “research technician” ito and project based. After ko mag tanong kung ano ang job description, sabi ng interviewer more on manual labor and overtime without pay daw. Kinumpare pa nila na baka d ako sanay sa laborious tasks kasi previous and current job settings ko is nasa office lng ako.
For further context tinanong pa nila if how much ba salary ko sa current bpo job ko, sabi ko 18k after deductions. D nila dinisclouse ang salary grade kasi d naman ako nag tanong. Pero sabi2 ng mga kaibigan ko, if below 20k, d ko na tatanggapin.
So yeah. i badly need your advice if i should accept the offer if ever maka pasa ako or wag na?
Btw, Sorry for bad sentence structure haha
submitted by wreckArtTho to PHJobs [link] [comments]


2024.05.14 05:15 WhereDemonsWeep Got chatbanned, 4 day's later into the ban account suspended til 2035.

So long story short, i have had a chat ban for a few days now which is alright i know i was a bit harsh on someone on region chat so i can pay time for my mistakes for doing so. Idk how long chatbans usually last a week or maybe more so i was willing to wait and just let people slide lol bcs i shouldn't be passive aggressive.
So i was playing warframe everyday after my chatban that occurred a few days ago and i was trading on Warframe.Market to get my arcanes, it states nowhere that i can't trade or anything Whilst having a chat ban or else i would've had a tradeban aswell. So today i was doing some missions buying some arcanes then sitting afk in my orbiter and a few hours later i got disconnected and it says Account suspended due to EULA violation until 2035 i have no clue what i have done after the chatban and i wonder if i traded with anyone that were blacklisted in trading due to refunds. I haven't done or said anything to any of the traders on the market other than ty and I'll leave a +1 review for helping me out even if im chatbanned.
I did send an appeal to DE but after reading so many stories im afraid that after so many years reaching MR33 will get tossed to trash with their copy paste message of an answer. Any ideas on what i should do? I get the chatban but mid chat ban after a few days to get Account Banned aswell? I haven't really been doing anything wrong im also on console so no 3rd party programs no nothing.
submitted by WhereDemonsWeep to Warframe [link] [comments]


2024.05.14 05:14 Otherwise-Change8878 Original vs. Bootleg ~ NECA Coraline Articulated Figure

Original vs. Bootleg ~ NECA Coraline Articulated Figure
The first photo is original, second photo is allegedly fake.
I have some photos here for comparison. As per my observations,
the allegedly original figure has: 1. resealable packaging (those were the punched rectangular shapes in the left part of the packaging) 2. the original ones has boots with thicker brown line in the leg part 3. the jeans are much more fitted than the bootleg version 4. the tie that holds the figure is different from the bootleg version. 5. the price is usually the 2x of the knock offs 6. the packaging and figure color of the original is much deeper and saturated
I don't know what else, but I'm pretty sure there are knock offs around. Always check your items!
ps. photos not mine, only compiled for review purposes
submitted by Otherwise-Change8878 to laika [link] [comments]


2024.05.14 05:06 NextEpisodeOTT Murder In Mahim Season 1 : Review

This series, Murder in Mahim, is based on and adapted from a book by Jerry Pinto with the same name. It was shortlisted for the Crossword Book Award for fiction in 2017. This series follows journalist Peter's investigation of a murder in the bustling city of Mumbai and the subsequent unraveling of dark secrets hidden within its crowded streets. When Sunil, his own son, is named as a suspect in the case, things get more serious. As he digs deeper into the case, he discovers that the city he thought he knew so well is full of surprises and dangers hidden in every corner.
The strongest point of the series would be its leading cast and its varied characters. Be it the highly regarded Vijay Raaz, Ashustoh Rana, and especially Ashitosh Gaikwad as his character Name UNIT, what a fantastic performance he has given. His voice modulation and facial expressions reminded me of Nawazuddin Siddiqui. When he came on the screen, I was extra attentive; he is my favorite character, and on the other hand, the story and the subplots between Firduas Rabbani and her partner were cliched but somewhat interesting too; the dialogues between Ashutosh Rana and his son Sunil Ferenandez regarding the topic of LGBTQ were very nicely written. I wish those scenes had been explored more deeply to add more depth to other characters as well.
What could've been better? Definitely, the story development and its writing. I think they wanted to create some deep emotional drama, but sadly, instead, it turned out to be a slow and sometimes uninteresting drama with unnecessary distractions and low effort cliffhangers. For example, pranks are used as cliffhangers and unnecessary distractions just to confuse and drag the story further, and on the other side, the supporting cast's characterization was not the problem, but their performance was a big letdown, which in turn kept me disconnected from multiple key scenes. As far as the background music is concerned, even that did not have much of an impact. I understand that the main aspect of this series is mostly to focus on crime drama with a message to convey, and I think that's the reason why the cinematography was just so bland. If you look at Kohrra, a similar style and genre series, it had some exceptionally well-done cinematography, which sometimes took the mood of the scenes to the next level.
Can you binge-watch this series?
There is a long wait before things start to get interesting. For instance, I thought things were finally getting serious in the fourth episode, but the next episode itself falls flat again. It's not until the last few episodes that things start to get interesting, but as it is a slow burner, even if you skip a few of the scenes, watch it for the quality performances by Vijay Raaz, Ashustoh Rana, Shivani Raghuvamshi, and especially the phenomenally talented Ashitosh Gaikwad. I really wish him good luck and look forward to seeing him in more movies and series very soon.
For a better understanding of how each episode turned out, I have made a line chart and rated the series episode-wise. Here it is.
This week's recommendation is Kohrra. This Indian TV series, which is set in Punjab, follows the story of two police officers, Balbir Singh and Amarpal Garundi, who are tasked with investigating the murder of an NRI bridegroom, Paul Dhillon. The investigation quickly uncovers a web of deceit, secrets, and family drama. Paul's family and friends all have their own motives for wanting him dead, and the officers must sift through the lies and half-truths to get to the truth. This is one of those slow-burners, along with the thrilling story where the characters grow on you and morally make you think about and analyze the society we live in, which makes this thriller series a must watch.
For now, have a great weekend and keep bingeing. I'll see you in the next video with another review. Ah peace.
submitted by NextEpisodeOTT to nextepisode [link] [comments]


2024.05.14 05:00 AutoModerator RCAA Season Score Submission Games 7-11

RCAA TERMINOLOGY GOES BY GAMES, NOT WEEKS. Each segment will require the necessary games played, regardless of in game byes. League regular season will have 11 total games played, NOT 11 in-game weeks
Submit your scores for games 1-11 to the google form link below.
Scores are due Sunday at 11pm ET
No scores will be accepted after the deadline at the discretion of the commissioners
Included is a tutorial to properly access the review summary screen with swirl pattern, if restart screen is unavailable. A swirl pattern screenshot of your scores(whether the restart or review summary screen will be required
REVIEW SUMMARY SCREEN TUTORIAL
GOOGLE FORM:
RCAA Score Submission Form
Any issues please contact u/Captain_Hampton , u/blueahoula or u/ShakyTheBear
submitted by AutoModerator to RCAA [link] [comments]


2024.05.14 05:00 Dogdaysareover365 Review exchange - mid-May check in!

As we near the mid point of the month, I think it’s time we share what we’ve accomplished so far!
Rules:
  1. Two fics per person.
  2. You have to review two fics, and your reviews must be a minimum of thirty words.
  3. All reviews are due by Thursday, May 16th at 1:00 pm eastern standard time.
Format:
Fandom:
Title/hyperlink:
Rating:
TW:
Word count:
Summary:
Reviews: ?/2
submitted by Dogdaysareover365 to FanFiction [link] [comments]


2024.05.14 04:58 Reyrah First Vinyl Setup

Hey all!
After a few years of on-and-off vinyl collecting (mostly limited edition box sets of my favourite media), I've finally decided to pick up a turntable and get to listening to the records I've collected over the years.
I've done my fair share of research and decided to go with a Pro-Ject Debut Carbon Evo as my first due to my liking how it looks, its glowing reviews, and the capacity for upgrades in the future (primarily the needle and cartridge). To accompany this, I was thinking of going with the Kanto YU6 powered speakers as they seem to be what I'm looking for, at least for the time being before I consider going for a passive speaker setup later on.
I know the YU6 come with their built-in phono preamp, and my first question is how good is the built-in preamp, would I be okay with just using the Evo with the YU6 without a separate preamp?
For my upgrade path, would it be something along he lines of: 1) separate phono preamp, 2) needle, 3) cartridge, or should I invest in better passive speaker setup first?
submitted by Reyrah to BudgetAudiophile [link] [comments]


2024.05.14 04:58 corpslave_1998 Who decides for someone to be PIP

Staff 1 at EY here. Started last October and was unfortunately consecutively put in two engagements that basically had the same toxic manager and senior. I received negative reviews from both. I’m not in denial of my flaws (which I think is given for a staff 1 anyway) but I can definitely say the reviews were so rigid. Two months ago I was let go from the terrible engagement by the toxic manager saying that it’s due to performance issues which i thought had more to do with the manager’s irrational dislike towards me. I was finally put in an engagement I was comfortable with and I get along with the senior he seems to be happy with my work. Unfortunately, today I had check in call with my counselor after cycle 3 feedback and was informed that I’m being put on PIP. This is something that I kind of foresee coming and I knew that I had to eventually leave sooner or later because my reputation in the firm has been tarnished and I’ve accepted the fact there’s not much I can do about it than leave. I’m currently searching to other jobs in public but there seems to be little to none openings for experienced associates :/ Just curious who initiates the PIP?
submitted by corpslave_1998 to Big4 [link] [comments]


2024.05.14 04:55 StoFish The Metals Company (NASDAQ:TMC) - A Quarterly Deep-Sea Mining Misfortune

Abstract:
The Metals Company (NASDAQ:TMC, the “Company”) - sustained heavy mining operations in abyssal depths of 3500 - 5000m using all new technology while asserting environmental friendliness in an “emerging” market lacking a regulatory foundation. Profitability is a distant and very uncertain gleam on the horizon.
Today’s “earnings” saw an overshoot in estimated loss by 60% compared to street estimate. The stock took a dive -10% aftermarket. This is your shot at a management team that already tried and failed miserably.
TMC, the Company and Management:
The Company is specialised in Deep-sea mining (DSM) and exploration, was established in 2021 and is headquartered in Vancouver, Canada.
Members of TMC's management team, including CEO Gerard Barron, were previously associated with Nautilus Minerals, another company specialised in DSM. Nautilus Minerals' attempt to extract minerals from the seafloor within Papua New Guinea's territorial waters ultimately resulted in an environmental disaster and bankruptcy in OCT 2019.
The project was marred by instances of social, environmental, and financial mismanagement. A reported theft of $10 million was coupled with the lack of disclosure of investigation findings to shareholders.
What followed was a new DSM company called DeepGreen Metals, which in turn went public in 2021 through a SPAC merger with Sustainable Opportunities Acquisition Corp and took today’s name The Metals Company (TMC).
The Claims:
TMC possesses exploration contracts awarded by the The International Seabed Authority (ISA) through three subsidiaries: NORI, sponsored by the Republic of Nauru; TOML, sponsored by the Kingdom of Tonga; and DeepGreen Engineering Pte. Ltd., which has entered into an agreement with Marawa Research and Exploration Limited, a company owned and sponsored by the Republic of Kiribati.
All claims are situated within the Clarion-Clipperton Zone (CCZ) in the Pacific Ocean, which is regulated by the ISA.
NORI encompasses a seabed area of 74,830 km2 and is projected to harbour approximately 866 million wet tonnes of polymetallic nodules. TOML, spanning 74,713 km2 of seabed, hosts an inferred resource totaling 756 million wet tonnes of polymetallic nodules. As for the Marawa arrangement, its resource assessment remains pending.
Their compositions are found to consist of approximately 30% Manganese, 1.3% Nickel, 1.1% Copper, and 0.2% Cobalt. Based on current assessments, the net present combined value of mineable metals is estimated to range from $6.8 to $8.6 billion. The combined claims of NORI and TOML would constitute the second-largest nickel mine globally in terms of resource size.
Deep-sea mining (DSM) for Polymetallic Nodules:
A remotely controlled undersea robot is sent down from a support vessel to dredge and suck polymetallic nodules off the seafloor. In late 2022, TMC successfully demonstrated its mining capabilities by collecting approximately 4500 t of material and extracting 3000 t of nodules with a sustained production rate of 86.4 tonnes per hour during a system test. The company aims for 200 tonnes per hour with additional collector heads and a bigger capacity riser pipe.
Profitability estimates for DSM vary widely.
The Financial Situation:
TMC has a market capitalization of ~$460 million. It incurred a loss of $25.2 million last quarter, with a trailing twelve-month loss amounting to $73 million. Total cash at hand stands at $4 million. The company has the option to access $25 million in additional proceeds from an unsecured credit facility maturing AUG 2025, which remains undrawn, and another $20 million maturing SEPT 2025, of which $2.9 million were drawn in MAR this year.
Pro forma liquidity is ~$49 million. Dept sits at ~$16 million.
The ship should stay buoyant for another 12 months from now, without resorting to measures like dilution.
The International Seabed Authority (ISA):
The International Seabed Authority (ISA) serves as the principal regulatory body overseeing the exploration and exploitation of minerals located on the international seafloor. Established under Article 156 of the United Nations Convention on the Law of the Sea (UNCLOS), the ISA is responsible for developing regulations governing these activities.
As of now, the ISA has yet to finalise a rulebook for the industry.
In 2021, TMC, sponsored by Nauru, utilised a regulatory loophole to initiate a process that imposed a two-year deadline on the ISA to establish regulations for DSM within its jurisdiction. With the ISA failing to meet this deadline in 2023, countries are now permitted to apply for mining licences in the absence of official guidelines.
TMC plans to apply for exploitation rights after the ISA session JUL – AUG this year.
The application review process is expected to drag on for 12 months. Production is anticipated to commence in Q1 2026 (revised from Q4 2025).
It is noteworthy that the USA is not a member of the ISA.
Relationship highlight - TMC and Nauru:
Nauru, formerly a prosperous island nation buoyed by abundant phosphate deposits, has faced financial challenges since the depletion of these resources in the 1990s. In recent years, the country has been associated with activities such as money laundering for the Russian mafia and detaining refugees seeking asylum in Australia in conditions widely criticised as inhumane. Additionally, Nauru has been noted for its propensity to alter political allegiances in pursuit of financial benefits, recently ditching Taiwan for China.
The partnership with TMC is hoped to become the largest contributor to Nauru’s GDP, once fully operational, and vital for the country's economic survival.” This is according to Peter Jacob, a former chief of staff for Nauru’s Office of the President who now works as the NORI Country Manager at TMC.
Nauru Ocean Resources has pledged to pay corporate income tax in Nauru, where the current rate stands at 25 percent. Additionally, Nauru will receive a predetermined payment (tbd) for each ton of nodules extracted through mining activities.
Recent Development:
TMC has invested an approximate total of $100 million towards conducting environmental impact assessments as part of the regulatory process for securing mining rights from the ISA. The company submitted the biggest comprehensive dataset on the environmental impacts of DSM as of yet to the ISA, with an even bigger one announced for the ISA’s session JUL this year.
A life cycle assessment done in 2023 by Benchmark Mineral Intelligence suggests TMC’s NORI-D nodule project could outperform land-based routes in all measured environmental categories, including mining, transport, processing and refining.
Several countries, including China, Russia, Norway, Mexico, and the UK, advocate for the advancement of the DSM industry. China, in particular, already asserts claims to deep-sea mineral resources and has already undertaken mineral exploration activities in the international waters of the Western Pacific and the Indian Ocean.
On JAN 9 of this year, the Norwegian parliament made a decision to open extensive areas in Arctic waters for DSM activities. In response, the European Parliament passed Resolution B9-0095/2024 in late January, expressing significant environmental concerns regarding Norway's action. The resolution reiterated Parliament's support for a moratorium on DSM and urged the European Commission and Member States to adopt a precautionary approach and advocate for a global moratorium on deep-sea mining, including at the ISA. A total of 24 countries worldwide, including seven European Union (EU) member states (Finland, France, Germany, Ireland, Portugal, Spain, and Sweden), have voiced their support for a moratorium or suspension of deep-sea mining activities. France has outright banned the practice.
In FEB 2024, the ISA released a streamlined draft of regulations with key areas yet to be “consolidated”.
In MAR, legislation was introduced in the U.S. House of Representatives calling for the U.S. to “support international governance of seafloor resource exploration and responsible polymetallic nodule collection by allied partners”, and to “provide financial, diplomatic, or other forms of support for seafloor nodule collection, processing and refining.”
Steve Jurvetson has joined TMCs board in APR.
Risks:
The Secretary-General of the ISA faces reelection in JUL. Michael Lodge, who served two terms, now faces accusations of "interfering with the decision-making process" and "sharing information with mining companies." He's not been nominated by the UK for his third term as before, but by the island nation of Kiribati. I fear Lodge's absence could spell short-term trouble for the sector, given the presence of some fiercely prohibitive candidates.
The recent earnings loss overshot was partly attributed to heightened transportation costs of nodules to a partner facility in Japan for processing. This highlights that the business model faces inherent risks, including the lack of provenness, the novelty of the technology, and the certainty for unforeseen challenges during sustained operations.
A surge in climate change and biodiversity cases indicates, DSM litigation is foreseeable as aggrieved countries, communities, and other stakeholders impacted by DSM can take the ISA, mining companies, and other parties they deem liable to international, regional, and national courts.
Profitability might face additional constraints due to anticipated seabed restoration obligations that are expected to accompany exploitation rights.
Considering the current financial situation and the expected timeframes, there is a risk of dilution due to liquidity challenges by Q3/Q4 2025.
All of these factors are compounded by a highly speculative and politically charged regulatory limbo, where states are beginning to enact regulations on a national level.
Finally, crowned by TMC's management team's prior involvement with Nautilus Minerals and the outcome of Nautilus' deep-sea mining project.
Speculation:
Treating TMC as a mining company at 20% - 50% of its underlying asset’s NPV, the price tag should be $9 - $11. Though TMC is everything but a “traditional” mining company.
Worst Case - a ban on DSM: Considering the lengthy processes of exploration, assessments, applications, and environmental studies, along with the current financial situation, the company may remain operational in its current structure for another 2-3 challenging years, but your investment will plummet to the depths of Hades.
Timelines shift to the future: This could be due to a prohibitive candidate becoming the next secretary-general at the ISA, or environmentally fueled initiatives to delay DSM. The more time passes, the more TMC will feel the urge to squeeze its shareholders.
TMC applies, the ISA misses the deadline again: We’ve come full circle, though with a higher potential. TMC could go to court, start operations as planned or something in between. I expect upside potential from this.
TMC applies, the ISA approves with restoration obligations: Based on the severity of potential outcomes, I anticipate the valuation range to be between $3.4 to $6 until the business model's feasibility emerges.
Bull Case - TMC applies, the ISA approves with minimal to no restoration obligations: Full potential upside is realised, until the business model's feasibility emerges.
Catalyst:
-ISA Vote JUL 2024 -TMC Application for exploitation following ISA session Q3/Q4 2024
submitted by StoFish to ValueInvesting [link] [comments]


2024.05.14 04:55 ker19928435 Had crowns placed instead of veneers

Prior to having ortho done with invsalign I spoke with the dentist about veneer vs dental bonding placement on my peg lateral incisiors which he agreed could be done and when the time comes we can rediscuss which would be the better option. Fast forward 4 months later after compelting invisalign treatment, we rediscussed about veneer vs bonding placement, which again he reassured me that he can do either one. He subequently had me speak to his office billeassistant which explained to me the difference between veneers and bonding (I also did my own research on both), after some time I opted to go with veneers as she reassured me "minimal" teeth filing would be done, she then ran the bill which displayed "crown/veneer" on the statement. I asked about this and she stated, "this is how it's billed but I will recieve veneers". The day comes to have the veneers placed or so I thought. The dentist comes in and starts the procedure, I hear some drilling going on which I knew had to be done as "minimal" filing is needed, again that's what I thought was going on... it turns out my peg laterals were filed tremendously! I was shocked, but thought, this is probably the required amount for veneers. He placed the temps on that only covered the front of the two peg laters but not the back, and he had me come back 3 weeks later. I arrived for placement of the "veneers" only to have the dentist file my teeth down even more during the procedure! At this point I was so disarrayed that I had no idea what to do?? The damage had been done already. Was I to tell him to stop? My teeth were already stumps. I was told throughout the whole time since getting invisalign that veneers or composite bonding is an option and NEVER once mentioned crowns! I was also extremely adamant against crowns, hence the dentist never brought up crowns to me. I now have crowns placed and feel absolutely demoralized. The dentist never informed me about placing crowns, or limitations that would prevent veneers from being placed; he just kept saying "yes, yes veneers". If I was informed about this I would have went with dental bonding instead.

On top of this, 3 members of his staff/dental assitants and the dentist himself knew I only wanted either veneers or dental bonding. During my invisalign treatment, the DAs would even ask me if "I'm excited for the veneers" or if I had gone with the veneer option over dental bonding, which I replied yes to the veneers.

Lastly, this wasn't some random dentist I went to. I searched around extensively to find a "reputable" dentist. From the Google search he had over 2,000+ reviews and 4.9/5 stars, and advertised "cosmetic smile makeovers", so I felt this was a sound decision, and opted to drive over 1 hour for every appointment to have treatment done by him. I have never felt such regret in my life until now.

Is there anything that I can do in this situation? I feel I was outright misled. From the beginning I made it clear I never wanted crowns hence, the discussion only bounced between veneers or bonding, and ended up with crowns... I honetly have no idea what to do..
submitted by ker19928435 to askdentists [link] [comments]


2024.05.14 04:51 Arushi20 Criticize my 12 day Ireland itinerary- July 2024

Hello all,
My partner and I are visiting Ireland for the first time this summer. We are in our 30s, fairly fit and love nature a bit more than cities. Please review our Ireland itinerary. Open to suggestions on how to make the best out of this trip. We are not including Northern Ireland in this trip due to visa limitations.
Excited to visit. Thank you for reviewing this.
Day 1-
Land at Dublin around 11 am
Check In & freshen up
Visit Guinness storehouse
St. Patrick’s Cathedral
Visit some pubs
Stay in Dublin
Day 2-
Trinity College/Book of kells
Kilmainham Gaol
Temple Bar and other pubs
Stay in Dublin
Day 3-
Drive from Dublin to Connemara National Park
Hike the diamond hill loop
Kylemore abbey + Ballynahinch + The Inagh Valley
Drive to Galway
Stay in Galway
Day 4-
Take ferry to Aran Islands and spend full day there
Spend time in Galway city in the evening
Stay in Galway
Day 5-
Galway city
Stay in Galway
Day 6-
Drive to Killarney
Do Cliffs of Moher, The Burren and Bunratty Castle
Stay in Killarney
Day 7-
Day trip to Dingle
Stay in Killarney
Day 8-
Ring of Kerry & Skellig Michael
Stay in Killarney
Day 9-
Drive to Killarney National Park
Gap of Dunloe
Ross Castle
Torc waterfall
Muckross house/abbey
Stay in Killarney
Day 10-
We got this as a free day, we were suppose to meet some friends but they are moving so
Open to add things here
Day 11-
Drive back to Dublin
On the way visit-
Rock of Cashel
Cahir Castle
Blarney Stone
Stay in Dublin
Day 12-
National museum of archeology
Grafton street and shop around
Open to add more things
Stay in Dublin
Day 13-
Fly home
submitted by Arushi20 to irishtourism [link] [comments]


2024.05.14 04:51 OmnipotentOpulenxe ACV TONER WATER- purging or irritated?

ACV TONER WATER- purging or irritated?
My skin isn’t THAT sensitive (but in hindsight my ratio was probably more like almost 2:1 instead of the other way) my main concern is texture & some maybe like darker spots, but mostly clogged pores and the little bumps on my nose
I think the day after I did it I woke up with ALLLLL these tiny what I think to be blackheads & almost dark stuff like wanting to come out. Instead of leave it alone I might’ve went in a little too much & obviously irritated my skin.
Woke up today my nose looks like 5x bigger than usually does with that other mark too (and its red & it hurts)
I’ve been researching all about it & there seems to be very mixed reviews. Also, I read that there actually hasn’t been too many scientific studies that prove it’s amazing.
So what now? Stay away from ACV & try in a couples days? Like how do I tell if this is “purging” or if my skin is too sensitive?
(I’ve never had acne prone skin, just during time of month. My skin is usually combination, oily in t zone & im 32 years old!) ANY ADVICE BESIDES NOT PICKING (that’s obvious) WOULD BE GREATLY APPRECIATED CATED!!! 🙏🏼🙏🏼🙏🏼💗💗💗💗
submitted by OmnipotentOpulenxe to SkincareAddicts [link] [comments]


http://activeproperty.pl/