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[REQUEST] [STEAM] [V Rising Bundle] [$34.99] 2nd Attempt

2024.05.14 14:27 YuanHello [REQUEST] [STEAM] [V Rising Bundle] [$34.99] 2nd Attempt

Dear Fellow Gamers,
Allow me to introduce myself as a passionate gamer who has always found joy in the challenging landscapes of survival games. Among my favorites was Rust—a world where strategy and perseverance were paramount. Regrettably, my gaming journey faced an unexpected setback when my PC ceased to function, restricting me to lower-spec games.
Despite this limitation, my enthusiasm for immersive survival experiences remains undiminished. It is with great anticipation that I look forward to embarking on a new adventure with V Rising. This game promises to deliver the thrill and excitement I cherish within the constraints of my current gaming setup.
I'm reaching out with a heartfelt request to experience the captivating world of V Rising, a game that merges survival challenges with supernatural intrigue. As a dedicated gamer with a passion for survival games, V Rising promises to be an adventure I deeply desire.
Unfortunately, my income falls below minimum wage, limiting my ability to indulge in this thrilling experience. Gaming is more than entertainment to me—it's a source of peace, joy, and calmness.
Your generosity in gifting me V Rising would mean the world. It's not just a game; it's an opportunity to escape into a realm of magic and excitement despite financial constraints.
Thank you for considering my request. Your support would bring immeasurable happiness to a fellow gamer who cherishes the transformative power of gaming.
Warm regards,
Wanna be Vampire: Yuan
Steam link:https://steamcommunity.com/id/HweiLukai/
Steam Game Link:https://store.steampowered.com/app/1604030/V\_Rising/
Thank you for your time, homie
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2024.05.14 14:24 TheLotStore Navigating the Market for Low-Cost Land in Arkansas

Navigating the Market for Low-Cost Land in Arkansas
Navigating the Market for Low-Cost Land in Arkansas
Exploring the Marketplace for Economical Land in Arkansas
Arkansas, famously referred to as "The Natural State," is a sanctuary for nature lovers, history enthusiasts, and individuals seeking refuge from the fast-paced urban life. With its varied terrains, abundant wildlife, and affordable cost of living, it's no surprise that numerous people are interested in acquiring land in this picturesque state. Nonetheless, maneuvering through the market for low-priced land in Arkansas can be a challenging endeavor, especially for those unacquainted with the region. In this piece, we will delve into the intricacies of purchasing inexpensive land in Arkansas, covering aspects to mull over, strategies for spotting the perfect plot, and the advantages of investing in land in this emerging state.
Key Aspects to Ponder When Acquiring Land in Arkansas
Before immersing yourself in the market for budget-friendly land in Arkansas, it's crucial to contemplate a few pivotal factors that may impact your purchase verdict. Here are some elements to remember when seeking economical land in The Natural State:
Locale: Arkansas is segmented into six regions, each offering a distinct blend of sceneries, attractions, and conveniences. From the verdant woodlands of the Ozarks to the fertile farmlands of the Delta region, there is a myriad of options available when scouting for land in Arkansas. Ponder on the type of environment you prefer and the activities you relish, as this will aid in narrowing down your search.
Zoning restrictions: Before procuring land in Arkansas, it's imperative to acquaint yourself with local zoning regulations. Zoning statutes can govern what activities are permissible on your property, so ensure to scrutinize any constraints that may be applicable to the plot you're eyeing. This will help in averting any unforeseen surprises in the future and guarantee that your property aligns with your requisites.
Accessibility: When on the hunt for low-priced land in Arkansas, contemplate the accessibility of the property. Is it situated close to major thoroughfares and urban centers, or is it secluded in a remote location? Accessibility can influence the value of the land and its feasibility for development or recreational utilization. Take into account transportation alternatives and proximity to amenities while evaluating prospective properties.
Natural attributes: Arkansas boasts of its picturesque landscapes, encompassing undulating terrains, rivers, lakes, and woodlands. While scouring for land in this state, deliberate on the natural attributes that hold significance to you. Do you desire a property with water access for angling or boating? Or are you seeking a wooded parcel for trekking and camping? By pinpointing the natural features you treasure the most, you can narrow down your search and pinpoint the ideal piece of land to suit your necessities.
Local economy: The local economy can also influence your decision to invest in land in Arkansas. Contemplate the employment scenario, cost of living, and overall economic well-being of the region where the land is located. Investing in land in a locality with a burgeoning economy can escalate the value of your property over time and present prospects for growth or resale.
Strategies for Discovering Economical Land in Arkansas
Subsequent to considering these factors, it's time to initiate your quest for budget-friendly land in Arkansas. Here are some strategies to aid you in discovering the perfect parcel at an affordable rate:
Peruse through online listings: The internet proves to be a valuable tool for unearthing low-priced land in Arkansas. A multitude of websites and online platforms specialize in real estate listings, including land for sale in Arkansas. Look out for websites that enable you to filter your search by price range, location, and other criteria to streamline your options. You can also set up email alerts to receive notifications when new properties that match your criteria become available.
Engage with local real estate agents: Collaborating with a local real estate agent can be a beneficial approach to finding affordable land in Arkansas. Agents possess access to exclusive listings and can guide you through the purchasing process. They can also furnish valuable insights into the local market and assist you in identifying properties that meet your specific requisites and budget. Reach out to multiple agents in the region where you intend to purchase land and arrange a consultation to discuss your aspirations and preferences.
Attend auctions or estate sales: Another avenue for discovering low-priced land in Arkansas is to participate in auctions or estate sales. These events can serve as a means to stumble upon properties being vended at rates below the market value. Keep a lookout for announcements regarding forthcoming auctions in your desired vicinity and contemplate attending to peruse the available properties. Be prepared to engage in competitive bidding and have financing arrangements in place if you intend to procure a property at an auction.
Contemplate owner financing: Certain property owners may be amenable to extending owner financing for their properties, offering a viable alternative for buyers who may not qualify for conventional financing. With owner financing, the seller serves as the lender, permitting the buyer to remit payments directly to them over a period. This can prove to be a more adaptable and economical choice for procuring land in Arkansas, particularly if you're operating within budget constraints.
Engage in negotiation with sellers: While on the prowl for low-priced land in Arkansas, don't shy away from negotiating with sellers to secure a more favorable deal. Sellers might be open to lowering the price of their property or extending incentives to expedite the transaction. Be prepared to articulate a compelling proposal and highlight any attributes that render you an appealing buyer, such as a swift closing schedule or the capability to provide cash. Through adept negotiation, you may succeed in clinching a reduced price on the land that captivates your interest.
Merits of Investing in Land in Arkansas
Investing in land in Arkansas can present an array of advantages, both in the immediate and distant future. Here are some reasons why delving into buying low-priced land in this state can be a shrewd investment:
Cost-effectiveness: One of the prime benefits of acquiring land in Arkansas is the cost-effectiveness of properties in contrast to other states. Land rates in Arkansas are relatively modest, rendering it a financially prudent choice for buyers seeking to delve into real estate investments. Whether you aspire to construct a vacation abode, initiate a farm, or merely relish a tranquil retreat, you can identify budget-friendly land in Arkansas that aligns with your financial plan.
Potential for appreciation: Although land prices in Arkansas are presently economical, there exists potential for property values to appreciate over time. As the state continues to allure new inhabitants, enterprises, and tourists, the demand for land in sought-after locales may surge, leading to escalated prices.By making a wise investment in inexpensive land now, you can seize the opportunity for possible future growth and enhance the worth of your property.
Leisure possibilities: Arkansas caters to nature lovers and outdoor enthusiasts, offering a plethora of options for trekking, angling, camping, and various recreational pursuits. Owning land in this state provides convenient access to these natural charms, allowing you to establish your personal sanctuary. Whether your goal is to construct a cabin in the wilderness, develop a hunting domain, or simply relish the serenity and calmness of rural life, Arkansas presents limitless avenues for outdoor enjoyment.
Revenue prospects: Apart from recreational utilization, land in Arkansas presents opportunities for generating income. Depending on the property's location and attributes, you might have the chance to lease the land for agriculture or hunting, subdivide it for expansion, or rent out sections for recreational vehicles or camper parking. By earning profits from your land, you can offset ownership expenses and potentially realize a financial gain in the long term.
Fiscal advantages: Investment in Arkansas land can also yield tax benefits for purchasers. Depending on the land's purpose, you could qualify for tax deductions or incentives linked to land possession. For instance, utilizing the land for agricultural activities might make you eligible for a property tax exemption or a discounted tax rate. It is advisable to seek guidance from a tax consultant to comprehend the specific perks accessible to you as a landowner in Arkansas.
In summary, maneuvering through the realm of budget-friendly land in Arkansas can prove to be a gratifying journey for those looking for an exquisite and economical residence. By contemplating factors such as location, zoning regulations, accessibility, natural characteristics, and the local economy, you can locate the ideal land parcel that fits your requirements and financial plan. Utilize online listings, engage with local real estate professionals, participate in auctions, explore owner-financing options, and engage in negotiations with sellers to secure a favorable deal on land in Arkansas. Keep in mind that investing in Arkansas land brings with it numerous advantages, including cost-effectiveness, the potential for appreciation, recreational possibilities, revenue prospects, and tax benefits. With thoughtful analysis and strategic planning, you can acquire your own corner of paradise in Arkansas and relish the various benefits of land possession in The Natural State.
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/navigating-the-market-for-low-cost-land-in-arkansas/?feed_id=10230
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2024.05.14 14:01 Zappingsbrew A post talking about 400 words

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weather, web, website, wedding, week, weekend, weekly, weigh, weight, welcome, welfare, well, west, western, wet, what, whatever, wheel, when, whenever, where, whereas, whether, which, while, whisper, white, who, whole, whom, whose, why, wide, widely, widespread, wife, wild, wildlife, will, willing, win, wind, window, wine, wing, winner, winter, wipe, wire, wisdom, wise, wish, with, withdraw, within, without, witness, woman, wonder, wonderful, wood, wooden, word, work, worker, working, workout, workplace, works, workshop, world, worried, worry, worth, would, wound, wrap, write, writer, writing, wrong, yard, yeah, year, yell, yellow, yes, yesterday, yet, yield, you, young, your, yours, yourself, youth, zone.
submitted by Zappingsbrew to u/Zappingsbrew [link] [comments]


2024.05.14 14:00 TheLotStore Lot 5, Block 2, Buckboard Lane, Ozark Acres, AR 72482

Lot 5, Block 2, Buckboard Lane, Ozark Acres, AR 72482
Lot 5, Block 2, Buckboard Lane, Ozark Acres, AR 72482
Nice lot measuring 100x150 located just 500 feet from Spring Lake!
Property is located in the Ozark Acres SID. Buyer will need to contact the improvement district at 870-966-4811 to check on any restrictions they may have, if any.
GPS Coordinates are 36.29651077496676, -91.39460642148678.
Plenty of privacy on this lot and when you're ready for nearby some recreation, swing by either Spring Lake or Lake Vagabond!
Priced way below area comparable sales in the area!
Debit/Credit Cards Accepted No Closing Costs Cash Price: $1,600 Finance with $200 Down and 18 Payments of $100 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 
Property Address: Lot 5, Buckboard Lane, Ozark Acres, AR 72482 (Map location is approximate)
County: Sharp
Assessor Parcel Number: 488-00020-000
Legal Description: Lot 5, Block 2, Shamrock Addition
Zoning: Residential
Annual Property Taxes: $7.17
About Ozark Acres:
Ozark Acres is one of the prettiest areas of the Natural State! The natural beauty of the region is enhanced by the four seasons that gently change from springtime flowers to summertime greenery to autumnal hues of reds and golds, and occasionally to wintertime and its snow-covered beauty. The mild climate makes it possible to enjoy the outdoors all year long.
Just minutes from Spring Lake and Vagabond Lake, the largest lake within Ozark Acres which allows motor and sailboats. The lake features a boat launch and a lakeside clubhouse for use, and also has a pavilion and play area on the water!
Ozark Acres is surrounded on all sides by thousands of acres of virgin timberland in which wildlife of many kinds can be observed purely for enjoyment or hunting. The most prevalent type of wildlife for hunting are deer, squirrel, rabbit, quail, and doves. Many happy nights may be spent hunting coons, possums, mink, beaver, and foxes. Whether hunting by day or night, you will find some of the best hunting imaginable in this area.
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/property/lot-5-buckboard-lane-ozark-acres-ar-72482/?feed_id=10224
submitted by TheLotStore to u/TheLotStore [link] [comments]


2024.05.14 13:44 Remote-Cartoonist460 What Is a Health Maintenance Organization (HMO)?

What Is a Health Maintenance Organization (HMO)?
An individual who needs to secure health insurance may find a variety of insurance providers with unique features. One type of insurance provider that is popular on the Health Insurance Marketplace is a Health Maintenance Organization (HMO), an insurance structure that provides coverage through a network of physicians.
health insurance - owntic
Key Differences Between HMO Plans and PPO Plans
There are several key differences between HMO plans and Preferred Provider Organization (PPO) plans. With an HMO plan, your primary care physician (PCP) will refer you to specialists, and you must stay within a network of providers to receive coverage. On the other hand, HMO plans typically have lower premiums than PPO plans.
Key Takeaways
What is an HMO?: A Health Maintenance Organization (HMO) is a network or organization that provides health insurance coverage through a network of doctors and other healthcare providers for a monthly or annual fee.
Coverage Limitations: An HMO limits coverage to certain providers within its network.
Lower Premiums: HMO contracts allow for lower premiums, but they also add additional restrictions for HMO members.
Primary Care Physician Requirement: HMO plans require you to first receive medical care services from a primary care physician (PCP).
Alternative Health Plans: Preferred Provider Organizations (PPOs) and Point-of-Service (POS) plans are two types of healthcare plans that serve as alternatives to HMOs.
How a Health Maintenance Organization (HMO) Works
HMOs provide health insurance coverage for a monthly or annual fee. An HMO limits member coverage to medical care provided through a network of doctors and other healthcare providers who are under contract with the HMO. These contracts allow for premiums to be lower than those for traditional health insurance, since the healthcare providers benefit from having patients directed to them. However, these contracts also add additional restrictions for the HMO’s members.
Factors to Consider When Choosing an HMO Plan
When deciding whether to choose an HMO plan, you should consider:
The cost of premiums
Out-of-pocket costs
Any requirements you may have for specialized medical care
Whether it’s important to you to have your own primary care physician (PCP)
Rules for HMO Subscribers
HMO subscribers pay a monthly or annual premium to access medical services within the organization’s network of providers, but they are limited to receiving their care and services from doctors within the HMO network. However, some out-of-network services, including emergency care and dialysis, can be covered under the HMO.
Those who are insured under an HMO may have to live or work in the plan’s network area to be eligible for coverage. In cases where a subscriber receives urgent care while out of the HMO network region, the HMO may cover the expenses. But HMO subscribers who receive non-emergency, out-of-network care have to pay for it out of pocket.
In addition to low premiums, there are typically low or no deductibles with an HMO. Instead, the organization charges a co-pay for each clinical visit, test, or prescription.
Role of the Primary Care Physician (PCP)
The insured party must choose a PCP from the network of local healthcare providers under an HMO plan. A PCP is typically an individual’s first point of contact for all health-related issues. This means that an insured person cannot see a specialist without first receiving a referral from their PCP.
However, certain specialized services may not require a referral. For example, screening mammograms in most cases will not require a doctor’s referral.
Specialists to whom PCPs typically refer insured members are within the HMO coverage, so their services are covered under the HMO plan after co-pays are made. If a PCP leaves the network, subscribers are notified and are required to choose another PCP from within the HMO plan.
HMO Regulation
HMOs are regulated by both states and the federal government. The McCarran-Ferguson Act of 1945 established that states regulate the insurance industry, and no federal law overrides state regulation unless it explicitly does so.
As such, regulation of health insurance is largely left to the states, though legislation—such as the HMO Act of 1973 and the Employee Retirement Income Security Act of 1974—can bring some aspects of the health insurance business under the purview of the federal government.
That said, the federal government does maintain some oversight of HMOs. The 2010 Dodd-Frank Act created the Federal Insurance Office (FIO), which can monitor all aspects of the insurance industry.
The Affordable Care Act of 2010 created an agency charged with overseeing the implementation of the act's provisions, called the Center for Consumer Information and Insurance Oversight (CCIIO).
HMO vs. Preferred Provider Organization (PPO)
A Preferred Provider Organization (PPO) is a medical care plan in which health professionals and facilities provide services to subscribed clients at reduced rates. PPO medical and healthcare providers are called preferred providers.
PPO participants are free to use the services of any provider within their network. Out-of-network care is available, but it costs more to the insured. In contrast to PPO plans, HMO plans require that participants receive healthcare services from an assigned provider. PPO plans usually have deductibles, while HMO plans usually do not.
Both programs allow for specialist services. However, the designated PCP must provide a referral to a specialist under an HMO plan. PPO plans are the oldest and—due to their flexibility and relatively low out-of-pocket costs—have been the most popular managed healthcare plans. That has been changing, however, as plans have reduced the size of their provider networks and taken other steps to control costs.
HMO vs. Point-of-Service (POS)
A Point-of-Service (POS) plan is like an HMO plan in that it requires a policyholder to choose an in-network PCP and get referrals from that doctor if they want the plan to cover a specialist’s services. A POS plan is also like a PPO plan in that it still provides coverage for out-of-network services, but the policyholder has to pay more for those services than if they used in-network providers.
However, a POS plan will pay more toward an out-of-network service if the policyholder gets a referral from their PCP than if they don’t secure a referral. The premiums for a POS plan fall between the lower premiums offered by an HMO and the higher premiums of a PPO.
POS plans require the policyholder to make co-pays, but in-network co-pays are often just $10 to $25 per appointment. POS plans also do not have deductibles for in-network services, which is a significant advantage over PPOs.
Also, POS plans offer nationwide coverage, which benefits patients who travel frequently. A disadvantage is that out-of-network deductibles tend to be high for POS plans, so patients who use out-of-network services will pay the full cost of care out of pocket until they reach the plan’s deductible. However, a patient who never uses a POS plan’s out-of-network services probably would be better off with an HMO because of its lower premiums.
If you don’t travel frequently, you’ll be better off with an HMO plan than a POS plan because of the lower costs.
Advantages and Disadvantages of HMOs
It’s important to weigh the advantages and disadvantages of HMO plans before you choose a plan, just as you would with any other option. Here are some of the most common pros and cons of the program:
Pros
Lower Out-of-Pocket Costs: You’ll pay fixed premiums on a monthly or annual basis that are lower than traditional forms of health insurance. These plans tend to come with low or no deductibles, and your co-pays are generally lower than other plans. Your out-of-pocket costs will also be lower for your prescriptions. Billing also tends to be less complicated.
Primary Care Physician Directing Your Treatment: You'll have a PCP who you choose and who is responsible for managing your treatment and care. This professional will also advocate for services on your behalf, including making referrals for specialty services for you.
Higher Quality of Care: The quality of care is generally higher with an HMO plan because patients are encouraged to get annual physicals and seek out treatment early.
Cons
Must Use Medical Professionals in the Plan’s Network: You’re restricted on how you can use the plan. You’ll have to designate a doctor who will be responsible for your healthcare needs, including your primary care and referrals. However, this doctor must be part of the network. This means that you are responsible for any costs incurred if you see someone out of the network, even if there’s no contracted doctor in your area.
No Specialist Visits Without a Referral: You’ll need referrals for any specialists if you want your HMO to pay for any visits. If you need to visit a rheumatologist or a dermatologist, for example, your PCP must make a referral before you can see one for the plan to pay for your visit. If not, you’re responsible for the entire cost.
Emergencies Must Meet Certain Conditions: There are very specific conditions that you must meet for certain medical claims, such as emergencies. For instance, there are usually very strict definitions of what constitutes an emergency. If your condition doesn’t fit the criteria, then the HMO plan won’t pay.
Examples of HMOs
Almost every major insurance company provides an HMO plan. For instance, Cigna and Humana provide their own versions of the HMO. Aetna offers individuals two options: the Aetna HMO and the Aetna Health Network Only plan.
The main benefits are cost and quality of care. People who purchase HMO plans benefit from lower premiums than traditional forms of health insurance. This allows insured parties to get a higher quality of care from providers who are contracted with the organization. HMOs
submitted by Remote-Cartoonist460 to FinanceManual [link] [comments]


2024.05.14 13:00 Neowza Weekly Advocacy Post

Below you'll find information and links to help advocate for Reproductive Freedoms and Abortion care in Canada and emerging policy issues with the Reddit platform. This is a recurring post and will be periodically updated as needed. Feel free to post additional information and discussions in the comments.
Advocating for Abortion Care in Canada:
Reference: Policy Options, via the Institute for Research on Public Policy and Action Canada for Sexual Health & Rights
What can you do to improve access to abortion care in Canada?
  1. Listen, research and learn. This is always the first step to understand any problem.
  2. Send a letter to your MP and MPP. Tell them that access to abortion care is important and how difficult it can be to access it in your province. Urge them to prevent anti-choice groups and CPCs from receiving charitable status, and to revoke the charitable status from CPCs that already have it. Encourage them to include reasonable reimbursement for travel costs related to receiving medical care when it is not available in your community. And push them to pass Safe Access Zone Legislation to protect patients, practitioners and their staff from anti-choice harassment and intimidation.
  3. Give a donation to a pro-choice charitable organization of your choice. Remember, if you give a total of $201 CDN or more to Canadian charitable organizations, you'll get a credit of 29% of your total annual donations on your income taxes (for those that file Canadian Income Taxes, only).
  4. Sign up for the Abortion Rights Coalition of Canada Newsletter. https://www.arcc-cdac.ca/
  5. Participate in local marches and rallys in support of access to abortion care.
  6. Spread the Word. Tell your friends and family. Encourage them to research, listen and learn. Encourage them to contact their MPP and MPs.
  7. If you work in a Doctor's office or as a family physician, consider incorporating Mifegymiso into your practice to ensure patients have timely access to this essential service. If you are a Doctor, or studying to be one, consider opening an Abortion Care practice when you are licensed and qualified to do so, especially in rural areas where there are a lack of options.
  8. If you work in politics, consider proposing legislation that will ensure safe access zones for abortion care providers and their clients and covering reasonable travel costs for constituents when medical care is not available in their community.
  9. If you are a journalist or work in media, consider preparing pieces sharing the difficulty Canadians can have accessing medical care such as abortions.
  10. If you work in the area of Not For Profit/Advocacy, consider partnering with a Pro-choice organization and helping them spread information and lobby for improving access to abortion care for Canadians.
  11. If you know someone who needs abortion care, consider giving them a ride to a clinic, helping them access the advice and care they need, and provide non-judgemental support.
  12. Ensure persons of First Nations, Metis and Inuit heritage know about Jordan's Principle, which ensures that First Nations children (which includes people who can become pregnant under the age of 18) can access the products, services and supports they need, when they need them. https://www.sac-isc.gc.ca/eng/1568396042341/1568396159824
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Emerging Policy Issues with Reddit
On July 1, 2023, Reddit raised the price to make calls to their API from being free to a level that killed every third party app on Reddit, from Apollo to Reddit is Fun to Narwhal to BaconReader. This policy change meant that mobile users would have a lesser experience browsing Reddit, users with visual difficulties could not browse reddit as screenreaders are not compatible with the official Reddit app, and mods lost tools that they depend on to keep communities on-topic and spam-free. Many subreddits protested this change in June 2023, and the Reddit admins enforced draconian measures such as removing and replacing mods who privatized their subreddits in protest of this policy change.
On September 12, 2023, Reddit will eliminate reddit coins, including removing all accumulated coins, a perk that Reddit Premium users pay for every month. Coins are used to reward comments and posts by showing your appreciation for the effort. Some reddit coins offer the ability to use reddit without ads.
What can you do to protest the policy changes at Reddit?
  1. Listen, research and learn. Check /modcoord for updates
  2. Cancel your Reddit Premium membership
  3. Participate in subreddit led protests
  4. Look for other forums to patronize. We have a forum on Discord called Auntie Network Canada. Message the mods here for an invite link to the Discord group.
  5. Complain. Message the mods of reddit.com, who are the admins of the site: message reddit: submit a support request: comment in relevant threads on reddit. Leave a negative review on their official iOS or Android app.
submitted by Neowza to auntienetworkcanada [link] [comments]


2024.05.14 12:35 DirtZealousideal9270 AITAH for thinking of leaving my SO because she is not and does not have a plan to be financially independent?

Throwaway account.
My wife (31F) and I (35M) have been married for 4 years now. We both are from South East Asia who went through an arranged marriage. We met online about 5 years ago. At the time, I lived in North America and she lived in her home country. We chatted on the phone and spent significant time on calls to get to know each other, I even flew down for a few days to meet her the same year. We took some time to know each other and decided to get married about 7 to 8 months after our introduction.
About 2 months before my marriage, my parents pressured (a whole lot of family drama) me into moving back to my home country. They wanted me to spend some time(about 5 months) with them after our marriage as I was away from them for 5 years or so. Though I hated this whole situation, I headed to their request (regretfully so) and moved back to my country. As a retaliation my then soon to be wife quit her job. To this day she refuses to accept that it was a retaliation, instead she claims it was too difficult for her to juggle between work and giving attention to marriage preparations, so she quit her Job.
I had never wanted to live in my home country, never felt I belonged there. When I decided to move back to my country, I had prepared myself well to not take any support from my parents. So, I had applied for another visa, had planned & paid for our honeymoon, saved enough to survive about a year in my home country without a job and had enough money to move back once my new visa gets approved.
Her quitting the job before our marriage was her decision, and I understand to certain aspect. At the time she lived in a different city than mine and after marriage she wanted to find work in the city that I would end up residing in. Also, we had plans to move to North America after our wedding anyways, so this made sense at the time. We had agreed to do our individual visa's coz I didn’t want her to move countries on a dependent visa, just so that she does not lose her career growth or leave North America if we ever split. We both were supposed to apply for the visa before our marriage date, I applied mine 4 months before our marriage. She was still figuring it out until our wedding date. I got my visa a couple of weeks after our wedding, but she was not able to secure her visa as she couldn't score enough in her English proficiency (not because she lacks the skill, English is her native tongue and has a good hold on the language). I tried to give her time, motivation and any kind of financial support that she needs to clear all visa requirements. But it was too late. Pandemic hit, borders were shut, so were government offices. I moved out of my country 7 months after our marriage amid a lot of pandemic restrictions. My wife promised she would continue to pursue applying for the visa while I leave the country and establish myself again.
1 year later, still no progress in her visa application, no change in employment status. She was living with her parents, and passed all her leisurely expenses to me coz I was "her husband". My family is not the best to work with, so my wife kept blaming that my parents stressed her enough to not pursue her carrier nor focus on the visa application. In the meanwhile, I was supporting my family financially(I owe them funding my college education) and my wife coz she couldn't find a job during the pandemic, while I was surviving my temporary low income job. Surviving with just bare minimum and sending home literally every surplus I earned by picking extra shifts. Fine. Pandemic restrictions started to ease further about 1.5 - 2 years after our marriage. By this time, I had a good job, was earning well enough. I flew back to my country to register our marriage and start her visa application as my dependent. She knew it would be a while before she gets her visa because of the back log and she agreed to look for work until we unite again in North America. She kept saying she is applying without any positive result. After a lot of argument, she confessed she wasn't looking for jobs with complete focus.
In the meantime I am going back to my country every year until her dependency visa was processed just so that she does not get depressed because of the long distance relationship.
Finally after a lot of effort, my wife finally got her visa approved, and I immediately booked her flight so that this long distance ordeal might end. She landed in my city a year ago. She had promised to start looking for job right after she landed, especially picking up temporary jobs until she gets something in her field of education. She has been jobless for more than 3 years by now. We were in our honeymoon phase for about 4 - 5 months after she had moved in with me. She got a job at a grocery store, which she worked briefly (~3 months), and would always complain about pains, how horrible the job is compared to her job back home, how beneath her standards were mopping the floors.
She wanted our first anniversary together to be an overseas trip, so I booked a trip for which she was supposed to pitch in half using her pay from the temporary job. She was asked to leave the job a month before the trip and I took care of the expense, this was unplanned for me, so had to move money around to make this happen.
She just completed 1 year of stay about a month ago. This milestone has taken a toll on me. We had a very bad argument, during which she confessed she knew she needed to bridge her overseas education courses with a fresh course in the new country. Which is about 6 months long and costs lesser than our anniversary trip. She didn't want to ask me money for her education, coz she felt I have spent enough money on her? What? It goes beyond me why a person would think a trip is more important than an education that would put her back in the job market.
She loves me a lot, she takes care of me, she is affectionate for which I am grateful for her. But I very much feel my future is not going to be wise to me if I continue to live with her. Post our argument which was a month ago, I had walked her through a few things to get some fee waiver and asked her to find a temporary job to fund this education. I don't see any improvements and I strongly suspect she has already missed deadlines to do this bridging course from reputed universities. I do not want to wait to get disappointed at her again. Am I an asshole to think she should have been financially independent by now? Am I an asshole for asking her to pitch in on our anniversary trip? Am I an asshole for thinking that I should end this marriage and cancel her dependency visa? I feel I will be better off alone.
TLDR: My wife quit her job just before our marriage and has not worked a stable job in the last 5 years of our marriage. We are now in a new country and it doesn't look like she will be able to get a job in the near future without a bridging course which she has missed her deadline to apply.
submitted by DirtZealousideal9270 to AITAH [link] [comments]


2024.05.14 12:16 aishwarya00 Gummy Vitamins Market: Profiling Top Key Players and Their Strategies

Gummy Vitamins Market: Profiling Top Key Players and Their Strategies
https://preview.redd.it/198pu26tad0d1.jpg?width=1640&format=pjpg&auto=webp&s=6f258c9515a7fe0a144ba0bdf0ab51309324c8b6
Profiling Top Key Players and Their Strategies
Top key players in the gummy vitamins market, including Vitafusion, Nature’s Way, and Garden of Life, employ various strategies to maintain their market position. These strategies include continuous product innovation, strategic partnerships, and targeted marketing campaigns. For instance, Vitafusion focuses on research-driven formulations and appealing packaging to attract a broad consumer base. Nature’s Way emphasizes natural and organic ingredients, catering to health-conscious consumers. Garden of Life integrates sustainability into its brand ethos, appealing to environmentally conscious buyers. Profiling these key players demonstrates how diverse approaches, from product development to branding, contribute to their success in the competitive gummy vitamins market.
The gummy vitamins market is experiencing robust growth, driven by increasing consumer preference for convenient and enjoyable dietary supplements, the rising trend of health and wellness, and the growing awareness of nutritional deficiencies. Gummy vitamins offer an attractive alternative to traditional pills and capsules, particularly appealing to children, the elderly, and individuals with pill fatigue. The Global Gummy Vitamins Market is forecasted to expand at a CAGR of 6.2% and thereby increase from US$3.7 Bn 2024 to US$6.8 Bn by the end of 2031.
Market Drivers:
  • Rising Health and Wellness Trend: The global shift towards healthier lifestyles and the increasing focus on preventive healthcare drive the demand for dietary supplements, including gummy vitamins. Consumers are more health-conscious, seeking products that support overall well-being, boost immunity, and address specific nutritional needs.
  • Convenience and Palatability: Gummy vitamins offer a convenient and enjoyable way to consume essential nutrients. Their appealing taste, ease of consumption, and absence of swallowing difficulties make them particularly popular among children, older adults, and those who dislike traditional supplement forms.
  • Marketing and Innovation: Aggressive marketing campaigns and innovative product developments enhance the appeal of gummy vitamins. Manufacturers invest in new flavors, formulations, and functional benefits, such as energy-boosting, immune-support, and beauty-enhancing gummies, to attract a broad consumer base.
Market Restraints:
  • Sugar Content and Health Concerns: The sugar content in gummy vitamins raises health concerns, particularly for diabetic and health-conscious consumers. The presence of artificial colors, flavors, and sweeteners may also deter some consumers from opting for gummy supplements, impacting market growth.
  • Limited Nutrient Variety: Gummy vitamins may not accommodate all types of nutrients due to formulation challenges. Some vitamins and minerals are difficult to incorporate into gummy form while maintaining stability and efficacy, limiting the range of available nutrients compared to traditional supplements.
  • Regulatory Challenges: The gummy vitamins market faces stringent regulatory standards and compliance requirements regarding health claims, labeling, and product safety. Navigating these regulations can be complex and may pose barriers to market entry and product development.
Get the full report to discover: https://www.persistencemarketresearch.com/market-research/gummy-vitamins-market.asp
Market Opportunities:
  • Sugar-Free and Natural Formulations: Manufacturers can capitalize on the growing demand for healthier alternatives by developing sugar-free, natural, and organic gummy vitamins. These formulations cater to health-conscious consumers and those with dietary restrictions, expanding the market reach.
  • Personalized Nutrition: The trend towards personalized nutrition offers significant growth opportunities. Customized gummy vitamins tailored to individual health needs, lifestyle preferences, and genetic profiles can attract consumers seeking personalized wellness solutions.
  • Emerging Markets Expansion: Emerging economies, with rising disposable incomes and increasing health awareness, represent untapped opportunities for market expansion. Strategic market entry, localization efforts, and affordable product offerings can unlock growth potential in regions such as Asia-Pacific, Latin America, and Africa.
Market Segmentations:
By Product Type:
  • Single Vitamins
  • Multivitamins
  • Probiotic Vitamins
By Source:
  • Plant Based
  • Animal Based
By Packaging Type:
  • Bottle & Jars
  • Stand Up Pouches
  • Misc.
By End User:
  • Children
  • Adults
By Distribution Channel:
  • Direct Sales
  • Modern Trade
  • Convenience Stores
  • Departmental Store
  • Specialty Store
  • Drug Stores/Pharmacies
  • Online Retailers
By Region:
  • North America
  • Latin America
  • Europe
  • East Asia
  • South Asia & Oceania
  • Middle East & Africa
Regional Market Dynamics:
North America: The North American gummy vitamins market is driven by high health awareness, a well-established supplement industry, and a strong preference for convenient health solutions. Market players focus on product innovation, expanding retail presence, and strategic marketing to capture a significant market share.
Europe: Europe showcases a mature gummy vitamins market with increasing consumer interest in natural and organic supplements. Manufacturers emphasize clean-label products, transparency, and adherence to stringent EU regulations to cater to health-conscious European consumers.
Asia-Pacific: The Asia-Pacific region emerges as a high-growth market for gummy vitamins, fueled by rapid urbanization, rising disposable incomes, and increasing health awareness. Market players leverage digital marketing, e-commerce platforms, and localized product offerings to target diverse consumer segments across the region.
Key Players:
The gummy vitamins market features a diverse array of players, from established brands to innovative startups. Some prominent players include:
  • GlaxoSmithKline
  • Church & Dwight Co., Inc.
  • Pfizer Inc.
  • Unilever
  • Nestle
  • Bayer AG
  • Santa Cruz Nutritionals
  • SmartyPants Vitamins
  • Pharmavite LLC
  • Taura Natural Ingredients
  • The Clorox Company
  • ZanonVitamec
  • Novomins Nutrition
  • TopGum Industries Ltd.
  • Zanonvitamec
Market Trends & Latest Developments:
  • Functional Benefits and Ingredients: Market trends favor gummy vitamins enriched with functional ingredients such as probiotics, collagen, and adaptogens, offering targeted health benefits like gut health, skin vitality, and stress relief.
  • Sustainability Initiatives: Manufacturers are increasingly adopting sustainable practices, including eco-friendly packaging, sourcing sustainable ingredients, and reducing carbon footprints to appeal to environmentally conscious consumers.
  • Technological Advancements: Advances in gummy production technology enable better nutrient stability, enhanced flavor profiles, and innovative shapes and textures, improving product appeal and consumer experience.
Future Trends and Outlook:
  • Enhanced Nutrient Delivery: Future gummy vitamins may incorporate advanced nutrient delivery systems, such as encapsulation technology, to improve bioavailability and ensure optimal nutrient absorption.
  • AI and Personalization: Artificial intelligence and data analytics may drive personalized nutrition trends, offering consumers customized gummy vitamin solutions based on their unique health data and preferences.
  • Holistic Health Solutions: The market may see a rise in holistic health solutions, integrating gummy vitamins with wellness programs, fitness apps, and health monitoring devices to provide comprehensive health and wellness support.
In conclusion, the gummy vitamins market presents lucrative opportunities for innovation, personalization, and market expansion, driven by evolving consumer preferences, health trends, and regional dynamics. Market players must navigate regulatory challenges, address health concerns, and embrace emerging trends to capitalize on growth prospects and maintain a competitive edge in the dynamic global gummy vitamins market landscape.
[For More Info Click Here: ]()https://www.linkedin.com/pulse/gummy-vitamins-market-tasty-trends-nutritional-rqh5f/
https://medium.com/@aishwaryadoiphode15/gummy-vitamins-market-exploring-top-trends-and-innovations-driving-consumer-demand-6f7e4a5a8340
About Persistence Market Research:
Business intelligence is the foundation of every business model employed by Persistence Market Research. Multi-dimensional sources are being put to work, which include big data, customer experience analytics, and real-time data collection. Thus, working on “micros” by Persistence Market Research helps companies overcome their “macro” business challenges.
Persistence Market Research is always way ahead of its time. In other words, it tables market solutions by stepping into the companies’/clients’ shoes much before they themselves have a sneak pick into the market. The pro-active approach followed by experts at Persistence Market Research helps companies/clients lay their hands on techno-commercial insights beforehand, so that the subsequent course of action could be simplified on their part.
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2024.05.14 09:00 TheLotStore Lot 7, Glen Oak Terrace, Ozark Acres, AR 72482

Lot 7, Glen Oak Terrace, Ozark Acres, AR 72482
Lot 7, Glen Oak Terrace, Ozark Acres, AR 72482
Large .27 acre secluded lot close to Spring Lake and Lake Vagabond in Ozark Acres!
Property is located in the Ozark Acres SID. Buyer will need to contact the improvement district at 870-966-4811 to check on any restrictions they may have, if any.
GPS Coordinates are 36.29989390145802, -91.3855472727915.
Plenty of privacy on this lot and when you're ready for nearby some recreation, swing by either Spring Lake or Lake Vagabond!
Priced way below area comparable sales in the area!
Debit/Credit Cards Accepted No Closing Costs Cash Price: $1,100 Finance with $200 Down and 9 Payments of $130 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 
Property Address: Lot 7, Glen Oak Terrace, Ozark Acres, AR 72482 (Map location is approximate)
County: Sharp
Assessor Parcel Number: 430-00185-000
Legal Description: Lot 7, Block 13, Bald Eagle Addition
Zoning: Residential
Annual Property Taxes: $9.32
About Ozark Acres:
Ozark Acres is one of the prettiest areas of the Natural State! The natural beauty of the region is enhanced by the four seasons that gently change from springtime flowers to summertime greenery to autumnal hues of reds and golds, and occasionally to wintertime and its snow-covered beauty. The mild climate makes it possible to enjoy the outdoors all year long.
Just minutes from Spring Lake and Vagabond Lake, the largest lake within Ozark Acres which allows motor and sailboats. The lake features a boat launch and a lakeside clubhouse for use, and also has a pavilion and play area on the water!
Ozark Acres is surrounded on all sides by thousands of acres of virgin timberland in which wildlife of many kinds can be observed purely for enjoyment or hunting. The most prevalent type of wildlife for hunting are deer, squirrel, rabbit, quail, and doves. Many happy nights may be spent hunting coons, possums, mink, beaver, and foxes. Whether hunting by day or night, you will find some of the best hunting imaginable in this area.
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/property/lot-7-glen-oak-terrace-ozark-acres-ar-72482/?feed_id=10197
submitted by TheLotStore to u/TheLotStore [link] [comments]


2024.05.14 07:20 okay-mf Worried about switching majors (Materials Science to Computer Science)

I am an incoming freshman this fall (batch of 2028) admitted for Materials Science and Engineering. My plan was to get admitted and then switch to Computer Science.
However, I’m worried I’ll have to do another year of Chemistry and Physics.
To my knowledge, you need to complete ICS 31, 32, 33 to be eligible to switch (one of the requirements). But the classes are usually very hard to get, especially for someone not in the ICS school.
I have a few questions exploring ways to switch to CS as soon as possible. I would be really grateful if someone could answer these for me.
  1. If I am unable to get ICS 31 right away, will I have to wait for the next quarter or would it be possible to get in later in the first quarter?
  2. If I do get it in the first quarter, right away or later, will I have to wait for the next quarter to take ICS 32 or could I finish ICS 31 and take ICS 32 in the first quarter itself (ICS 31 is a prerequisite for 32)
  3. There is an exam you can give over the summer for ICS 31. However, it says that it will be restricted to students of the ICS school only. By that logic I wouldn’t be able to take that exam but last year, apparently, they had opened it to all students. Is it possible they might do this again? If anyone knows about what happened last year, could you explain what made them open it last year and not this year please?
  4. As the main issue is with getting ICS 31, is it possible in any other way to get ICS 32 directly?
I’m just hoping I don’t have to wait for the second quarter to get ICS 31, third quarter for ICS 32, first quarter as sophomore for ICS 33, and then the second quarter as sophomore to switch to CS.
Basically I want to know how can I switch to CS asap.
Would really appreciate any help or guidance on this topic. Please let me know if anyone has any views or a similar experience.
submitted by okay-mf to UCI [link] [comments]


2024.05.14 07:01 ReverseMod Daily Questions Megathread - May 14, 2024

Welcome to the Reverse: 1999 Daily Questions Megathread!

Please use this thread to ask any general inquiries about Reverse: 1999. Also, kindly search keywords under this thread as your questions may have already been answered by other Timekeepers.
Community Guides
Cheat Sheets
Tools
Wiki Pages
Frequently Asked Questions (FAQ):
Q1. Should I re-roll?
Q2. Why is my answer incorrect in for the trail puzzle?
Q3. When is the daily reset?
Q4. Does pity transfer over to the next banner?
Q5. How should I build my team?
Q6. Can I re-watch the cut-scenes/story?
Q7. Are multiple copies of a certain character necessary?
Q8. When should I stop leveling characters?
Q9. What should I purchase in the Psychube Shop (Thought Elements/Thoughts in Eternity)?
  1. LF Polarization
  2. Englighten I
  3. Enlighten II
Q10. What should I prioritize in the Oneric Shop (Oneric Fluid)?
  1. Monthy Brief Cacophony
  2. Crystal Casket
  3. Permanent Brief Cacophony (or Moment of Dissonance to craft Brief Cacophony if needed)
  4. Sonorous Knell
Misc Questions
M1. Are macros and auto-clickers allowed?

Megathread Directory
Weekly Lounge Megathreads (for minor discussions, gacha pulls, etc.)
Weekly Friend Request Megathreads (for sharing friend IDs)
Technical Issues Megathread (for sharing any technical difficulties)
Previous Questions Megathreads (for any game-related questions)
Previous and Upcoming Subreddit Changes (rule updates, subreddit announcements)
Please note that the above codes are manually updated!
If you have any suggestions or would like to add anything to this post, please contact the moderation team!
submitted by ReverseMod to Reverse1999 [link] [comments]


2024.05.14 06:45 GiversBot /u/TheFoodieBoy [REQUEST] was deleted from /r/SimpleLoans on 2024-05-14 (t3_1cr7sk8 up 0.39 days)

TheFoodieBoy deleted from /SimpleLoans

Quick search

Title

[REQ] ($500) - (#Bangalore, KA, IN), (Repay 300 on 06/16 and 300 on 07/16) (Venmo/Paypal)

Post contents

Posting on behalf of a friend since they don't meet the karma criteria but I take full responsibility for the post and repayment.
The said friend and his family are in a bit of a situation and hence this post. He's happy to verify and has a job with stable income so repayment is also guaranteed.
PM for any questions. Thanks!
submitted by GiversBot to borrowdeletes [link] [comments]


2024.05.14 06:13 73RnivaG First year off-campus housing suggestion

Hi guys, I’m an incoming freshman at Sauder next year; I’ve been looking at the housing stuff. I already filled in the on-campus housing form two weeks ago, but I’m also looking at off-campus housing because I’ve been living in a boarding school (in the US, New England, middle of nowhere) dorm for about five years now. I am really not a fan of it (too restrictive, not much freedom, not much personal space); also, maybe off-campus is cheaper?
So I just wonder if I could get some suggestions for off-campus housing, like where can I find apartments (I’ve been looking at east of UBC that area I see pretty good bus connections?), and how can I find a roommate.
Thank you so much! Please, any advice would be super helpful!
submitted by 73RnivaG to UBC [link] [comments]


2024.05.14 06:03 Worldly_Leg3264 Seeking Card Recs for Europe Travel

Hello all! I’m looking for some recommendations about the next card to add to my travel portfolio. In particular, I’m traveling to 3 countries in Europe late August/early September and would like to cover as much of it on points as I possibly can. Especially hotel rooms as the price of those can add up quickly. Including my credit profile below to help with recommendations.
CREDIT PROFILE
CATEGORIES
PURPOSE
submitted by Worldly_Leg3264 to CreditCards [link] [comments]


2024.05.14 06:00 TheLotStore Lot 9, Sequoyah Ridge Road, Cherokee Village, AR 72529

Lot 9, Sequoyah Ridge Road, Cherokee Village, AR 72529
Lot 9, Sequoyah Ridge Road, Cherokee Village, AR 72529
No SID Fees. Nice secluded lot in Cherokee Village.
Property is NOT located in the SID and is not subject to SID fees or restrictions!
GPS Coordinates are 36.30631014063825, -91.51020133407938.
Priced way below area comparable sales in the area!
Debit/Credit Cards Accepted No Closing Costs Cash Price: $950 Finance with $150 Down and 9 Payments of $115 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 
Property Address: Lot 9, Sequoyah Ridge Road, Cherokee Village, AR 72529 (Map location is approximate)
County: Sharp
Assessor Parcel Number: 260-00118-000
Legal Description: Lot 9, Block 3, Hillcrest Addition
Zoning: Residential
Annual Property Taxes: $20.42
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/property/lot-9-sequoyah-ridge-road-cherokee-village-ar-72529/?feed_id=10179
submitted by TheLotStore to u/TheLotStore [link] [comments]


2024.05.14 05:45 Tajskskskss Water retention

Pls help. I am so pissed off rn. I just got back from a trip where I finally managed to halve my intake and restrict ‘successfully.’ I also ended up getting a stomach bug and have had intense diarrhea. I then got on the scale after sleeping for about 1.5 hours and I’ve only lost 200 g in the last two weeks. That makes no sense whatsoever. Like it’s genuinely physically impossible. I didn’t think water weight would be an issue because, again, I’ve been shitting liquid (I’m talking 10+ times in the last 24 hours, although some of them were pretty mild). What the fuck could be the cause of this? My period was supposed to come this week but hasn’t (I got it back briefly last month, and now is the time when it was supposed to return, and it has not), so I’m wondering if it’s that. But I’ve been shitting so much? Like I’m sorry but this is genuinely nonsensical. Ik ‘if you eat less you’ll actually gain!’ is bullshit and I will die on that hill, so i’m genuinely hoping this plateau is caused by water retention because it legitimately makes no sense. I look visibly thinner. No, I have certainly not built muscle. What was the cause of water retention here? The missing but possibly incoming period? Traveling? Lack of sleep? All of the above? How much water retention could that have caused? When will it go away?
How long does this kind of water retention take to leave? What can I do to speed that up? I’m really scared of retaining even more if I drink water. I hate this so much. Pls share your experiences with water retention and how long that takes/how severe it can be/whether any of the things I listed are likely to have caused it despite my diarrhea.
submitted by Tajskskskss to EDAnonymous [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 03:39 dark-mer Rising senior at T2 university with no internships

I go to a Top 2 school for computer science and I’m graduating next May.
I have no internships. I spent my summers playing League of Legends and working on apps that I would give up on.
In terms of skillset, I have my hands in a lot of buckets: front/backend design, system architecture, ML, data science. I’m no expert at any of these but I’m at least conversational.
I never went to a single career fair and I haven’t even looked at my resume since they forced us to update it freshman year.
I know I pretty much wasted a lot of the utility I could’ve gotten in my position.
I’m pretty confident I could do junior SWE work, just from hearing what my friends have told me. My heart is probably with ML and data science stuff, but I don’t think I have the educational credentials to really push for that right now. Regardless, my preference isn’t my priority right now since my resume is barren.
So, what do I need to do between now and next spring to have a job lined up. I’ll have a lot of time this summer and these next two semesters to dedicate to this, so that’s no restriction. I’d like to maximize for income. How do I do this?
submitted by dark-mer to cscareerquestions [link] [comments]


2024.05.14 03:30 aaronhstn30 [USA-CA] [H] ** blacklisted iPhone 14 Pro Max Space Black 128GB [W] PayPal

Hey everyone, selling an IMEI-blacklisted phone. If you any have questions, please feel free to ask.
• Verizon unlocked iPhone 14 Pro Max, 128GB, Space Black
• Excellent condition, no noticeable scratches if any. 97% battery health. No SIM restrictions.
• Comes w/ original box. Asking $500 shipped via PayPal
• Timestamps: https://imgur.com/a/boRMsPP
• Repairs: None
** SOLD **
submitted by aaronhstn30 to appleswap [link] [comments]


2024.05.14 03:00 Famous_Educator7005 Your EXACT Desire Is Coming... Just Persist!!

Since January 2024, I was without income. Prior to this, I was on short-term disability (SDI) after leaving a job that was causing my mental health to declined and that pushed me into deep deep depression due to the toxic environment of the workplace. Thankfully, I stumbled upon a doctor who took my mental health seriously and pulled me off of work for a year (another manifestation).
A few months before my SDI ended, I had begun looking for work. Although, this time, I was more competent about the law of assumption, Neville, and Florence S. Shinn, and was learning to hone my powers as a creator. Therefore, I was not willing to go back into another full-time job where I had to sit in a office full of people who would eventually make my life miserable.
Side note: As someone who has worked over 15 years, in various types of offices, I've noticed a trend in work culture that just drains me. I've always pushed through and have given each job 1-3+ years minimum. However, as I get older, I can no longer put myself in these draining environments; so, outside of working to build my own business (the long-term goal), I decided that I only want to work part-time and/or with a very flexible, WFH job.
Back to the story...
After months of applying to every WFH job I could find w/ no success, I loosened my restrictions, and decided to look for a part-time, in-person job. When I experienced difficulty securing this type of job, I eventually gave in and started applying to full-time, in-office jobs.
Still, through it all, since December, I had been "manifesting" my perfect job using scripting, affirming, and visualizing. Though, it wasn't until I got very specific, that I'd seen my desire manifest into my life.
In April, a few interview invites started to roll in after months of applying.
1st Job
This one was WFH but very strict about camera being on the whole time and remaining in your seat on a full-time basis - NO FLEXIBILITY whatsoever. The schedule also conflicted with the time I needed to drop off my kid at school. Regardless, I was willing to take the job (if offered) and basically stress myself out trying to make it work. But, just before the interview was expected to take place, I got an email saying that it was cancelled due to me living 10 miles too far from the required location.
2nd Job
I received an offer for this job. But I was forcing myself to be ok with it as it wasn't my preferred situation. It was full-time and in-office. I told myself that maybe this is what God wanted me to have and so I accepted their offer and was just happy to have a source of income again.
As soon as I left the zoom meeting whereby I accepted a verbal offer for job #2 - the third job appears - literally less than 5 mins later.
3rd Job
I get a phone call from a local number. Usually, I don't answer unsaved numbers but something told me to pick it up. When I did, the person on the other end said they received my resume two months prior but had chosen someone else. However, that person ended up leaving for a full-time, in-office job, as this was what they preferred and needed. The employer went on to say that they were always very impressed with my resume and held onto it in case other positions came up in the future. The gentleman asked if I was still in search of a job... I took a second to think about it and then said - "yes, in fact, I am." He went on to describe the position to me and, in doing so, he literally described my DREAM JOB to the "T"!! - i.e., Part-Time, flexible schedule, mainly WFH to do charting (as I am a social worker), the rest of the work would be meeting with my clients in various hospitals and their homes. What's more, the pay is Ahhh-MAZING!
Before ending this call, we set up a zoom meeting to do an official interview with the team.
The interview took place this morning. The team consisted of a small, yet amazing group of people who seem to be genuinely nice. Although, this won't matter much anyway, as I barely have to interact with them.
Less than an hour after the zoom interview - I was offered the job!!
Techniques used:
Scripting
I Scripted my intentions (only once) requesting for an easy interview w/out reference check, to secure the job before June 2024, to be the perfect candidate for the job, to have likeable and relateable colleagues and to have a flexible schedule whereby I can still spend time with family and take care of personal needs without asking for time off.
Affirmations
I affirmed daily (multiple-times per day) from the state of already having it. Some of the affirmations were: "I AM employed," "I got the job!," "My family was so happy when I told them the good news," "I love my new job, it's better than I imagined" "Thank you, God, for blessing me with such a wonderful job. It's perfect for me!," - just to name a few. However, I really just created them on the spot based on how I was feeling at the time.
Intermittent Visualizations (SATS)
I was honestly very inconsistent with my visualization. However, whenever I remembered, I would do my best to play out a scene at night before bed. I haven't fully honed my visualization skills so most times I'd just focus more on hearing myself tell a loved one that I got a job that is perfect for my personality and life. - Funny thing is, I've literally been saying this same thing to people since accepting the job offer.
I hope this story inspires someone to keep persisting and have faith in the law because IT WORKS!!
submitted by Famous_Educator7005 to NevilleGoddard [link] [comments]


2024.05.14 02:41 Pyroski The Midterms of 1848 and 1849 Pine & Liberty

The Midterms of 1848 and 1849 Pine & Liberty
In the final months of Daniel Webster's term, the economy, still reeling from the War of 1839 and the subsequent Panic of 1843, began a slow but steady recovery. William Lloyd Garrison, the incoming President who shattered the Federalists' grip on power, stepped into office with a bold agenda aimed at bolstering the economic upturn and lifting the nation's spirits. His initial flurry of legislative efforts included a proposed second bill of rights to prevent a repeat of the Sedition Acts, as well as measures to curb speech, the introduction of an equal rights and poll tax amendment, the reduction of the National Bank's influence, which Garrison branded as "corrupt" and "flawed," in favor of greater state control, and the full nationalization of the road industry. Congress has rejected every one of these, however, Garrison has managed to push through some reforms, such as removing Nathan Appleton as the bank's president in 1848, granting states more authority over monetary policies, the nonrenewal of the sedition acts, the District of Maine region's autonomy, imposing national limits on alcohol sales, and ban of the purchase of quantities over 16, and the ending of U.S. cooperation in the deportation of fugitives. However, widespread American fatigue over aggressive slavery policies, coupled with an indifferent Martin Van Buren administration, terms of the Treaty of Brussels, and interest in the settlement of new territories in the northwest, resulted in minimal diplomatic opposition to Garrison's fugitive policy.
Despite minor economic hiccups, trade has largely returned to its pre-war status as industries have stabilized. This was partly due to then-President Nathan Appleton raising interest rates in response to Garrison's funding cuts and minor currency instability resulting from the sudden influx of state control. Furthermore, despite Garrison's efforts to establish further independence from the increasingly close British empire by expanding trade with Haiti, Mexico, France, and the Netherlands, foreign investments, particularly by the British, in railroads and other industries continue, much to Garrison's chagrin.
Meanwhile, on the domestic front, with William Lloyd Garrison shepherding the more affluent Liberty party to adopt a more radical rhetoric against the establishment and secret societies as a whole, the Anti-Masonic party would see a sudden bleed of support, as several of its representatives switched their party affiliations in their 1846 and 1847 campaigns. This bleed would continue, as the party became Garrison's largest outsider ally on key legislative reforms, with Garrison championing the collapsing party's platform on issues such as poll tax and voting reforms, and fines for secret societies. By 1848, party officials would agree on a formal merge, as the remainder of party members switched over. As Temperance sentiment spreads far and wide across the nation, Natavist feelings soar to unprecedented heights; as Catholics and the Irish find themselves in the crosshairs of nativism, owing to stereotypes associating them with regular drinking and heavy alcohol consumption.
https://preview.redd.it/842ju2rxl90d1.png?width=600&format=png&auto=webp&s=85820820ec95de1b3299657f3fe8a2d267920b63
Federalist
Led by their esteemed leader, George Evans, federalists have undergone a significant transformation following a series of setbacks, including major electoral defeats to the oligarchy during the "Revolution of 1846" in both the Presidential and House races, and narrowly retaining control of the Senate. They distanced themselves from the still-sensitive Daniel Webster administration, and addressing concerns over his well-known alcoholism and allegations of sympathy to liquor, they adopted a more pronounced pro-temperance stance; with states such as Connecticut and New Hampshire, where they held sway over governorships and state legislatures, implementing stricter regulations. Moreover, although initially backing the Sedition Acts and playing key roles in its creation alongside Federalist President Noah Webster in 1827, most of the party shifted its stance by 1847, opposing its renewal. While Federalists have supported specific measures during the Garrison presidency, particularly those related to Temperance and opposition to the Sedition Acts, the party has emerged as Garrison's main opponent, leveraging their status as the second-largest party in the House and their majority in the Senate, to block much of his agenda. Notably, Massachusetts representative Nathaniel Briggs Borden, supported by the party establishment, spearheaded Federalist efforts to censure Garrison for his attempts to rein in the National Bank. Nonetheless, with the defense of the Law and Order party, Garrison managed to evade censure with a vote margin of 19-35. Nevertheless, leveraging their control in the Senate, Federalists effectively obstructed Garrison's legislative agenda, halting proposed cuts to national defense meant to prioritize funding for education and infrastructure, as outlined in Garrison's Bill of rights. Additionally, they stymied social reforms proposed by Garrison, including provisions in The Penitentiary Act of 1848 aimed at alleviating penalties for tax evasion, victims of the Sedition Acts, and Dorr sympathizers. Furthermore, they thwarted the full implementation of Garrison's Land Reform policy, which aimed to repurchase all lands acquired by foreign investors.
Despite defeats amid the "Revolution of 1846" and a party identity crisis, the glimmer of victory at the end of the tunnel, driven by opposition to Garrison and his efforts to dismantle the National Bank, has spurred party unity. Centering their campaign primarily on one issue: The National Bank, Federalists argue that Garrison's attempts to curtail it are unconstitutional, citing the 13th amendment which established a strong permanent bank, and criticizing his use of the spoils system, particularly Arthur Tappan's appointment as bank president in the wake of Appleton's removal. Opponents criticize Tappan as too inexperienced, highlighting his close friendship with Garrison and lack of a banking background, exacerbated by Appleton's own nearly decade-long experience as its president, to allege cronyism. On economics, Federalists campaign on reinstating Appleton; passing legislation to ensure the bank's stability; and the further federalizing of the bank to its pre-Garrison status. Cooperation with private industries in the construction of infrastructure, to limit government spending so that the nation may pay off the heavy debts sustained from a lengthy war on top of an economic depression. They also contest Garrison's efforts to distance New England's ties with British trade and investors, advocating instead for a stronger connection with other European Powers; They champion a return to a close-knit relationship, both diplomatically and economically, with Federalists emphasizing Britain, which contributed heavily to their independence and later the diplomatic resolution of the War of 1839, as their foremost ally.
This political cartoon, prominent during the Revolutionary War to depict Yankees as British loyalists, has regained popularity as a means to mock the Federalists' affection towards Britain and pro-British policies.
Liberty
Unseating the long-standing single-party rule of the Federalists during the Revolution of 1846, the Liberty Party stepped into the fray amidst a transformative era following a return to stability. Conceived by now-President William Lloyd Garrison under the influences of transcendentalism and liberty, advocating opposition to the government and support for limited intervention, it proved easier said than done to translate ideals into reality. Garrison eventually faced the stark reality upon assuming office, facing a slim majority in the House and a minority in the Senate, which forced him to navigate within the system, leaving much of his agenda in vain. Furthermore, Garrison's failure to pass equal rights and his proposed bill of rights has led inner-party critics, led by George Ripley, a Unitarian minister, and Henry David Thoreau, an author and former campaigner of Garrison, who has returned to civilization from his isolation in the forests of Massachusetts, to label Garrison as "corrupted" by political institutions. Other intra-party critics criticize his national restrictions on alcohol, attempts to block foreign business and investment, and fines for secret societies as further increasing the authority and scope of the government when the party's whole platform stood against it. Nonetheless, allies argue that his restrictions and expansion of executive power are necessary evils to tackle the root causes of societal issues and special interests and to promote the nation's independence while also supporting local businesses and industries.
Despite the emergence of splintering anti-Garrison factions, the Liberty Party has sought to navigate controversy by upholding the core tenets of Garrison's presidency. These include his cessation of collaboration with the U.S. on the deportation of fugitives from the Hudson-Greenway line; dismantling what Liberators perceive as a corrupt National Bank, and his instrumental role in achieving Statehood for the District of Maine after a struggle spanning over a decade, resulting in the creation of two new states: Maine and Bangor. In addition to championing Garrison's established agendas, the party endeavors to garner support for unfinished initiatives. These include proposals to expand the House's seats from 65 to 86, with each state gaining two more representatives than its electoral vote in the Electoral College, thus aiming to bolster representation. Furthermore, they advocate for Garrison's Second Bill of Rights, seeking to amend the constitution to ensure rights for all citizens and to federalize the poll tax to a reduced fee of $1.80. Additionally, they push for legislation aimed at diminishing the influence of Jewish bankers and investments, echoing Garrison's public condemnation of them as "the enemy of the people and Christ" and their purported "stranglehold over our nation's wealth."
The origin of the party name and of its followers, William Lloyd Garrison's \"The Liberator\" has remaiend infleuntial even despite Garrison's dpearture, with followers hanging the cover of the paper to show their support for the party.
Law and Order
Despite suffering heavy defeats amidst the Revolution of 1846 and Thomas Dorr's rebellion, the cornerstone of the party's creation, now relegated to the back burner of voters' minds, the Law and Order alliance of Farmers, Liberals, Traditionalists, and former Federalists and Nationalists finds itself in an awkward position. Larger parties such as the Federalists have adopted the centerpiece coalition's platform, such as the Federalists now championing calls for cooperation with the U.S. and moderate views on black and women's rights, while the Liberty Party advocates for limited government and a smaller national bank; Nonetheless, the Law and Order coalition has attempted to carve out a platform wedged between the two current party giants. Led by the party's House leader Robert C. Winthrop, the party has strongly emphasized its economic agenda, in a bid to set it apart from the two leading parties. They advocate for a limited National Bank, arguing for its scope to be restricted to essential sectors such as agriculture, infrastructure, and trade. Additionally, they propose limits on the money supply to maintain a stable bimetal gold and silver standard, advocate for increased transparency regarding bank loans, and impose requirements for loan eligibility. Moreover, emphasizing a limited federal government approach in favor of state control, they argue for allowing states to charter their own banks to a certain extent. They have also advocated for giving full control to the states to set their whiskey and alcohol policies, supporting government rollbacks on Garrison's national restrictions. Critics from the Law and Order faction lambaste Garrison for what they perceive as insufficient efforts to rein in the National Bank. Instead, they accuse him of employing the spoils system by appointing his friend, Arthur Tappan, whom many consider inexperienced, to oversee it, despite most of the party voting to replace Appleton with him. The party has argued for lower tariffs, contending that high tariffs disproportionately affect the nation's farmers while benefiting wealthy foreign and domestic investors and businesses; Additionally, they argue that lower tariffs would benefit consumer interests.
Championed by Winthrop and fellow prominent Law and Orderites, including Senator Franklin Pierce, former Governor Edward Everett, Representative Charles G. Atherton, Rhode Island speaker John Hopkins Clarke, and a now one-legged John Fairfield, the party has attempted to adopt a "Proclamation of Neutrality" regarding foreign policy, believing their strength could be achieved through trade and cordial relations with any country, regardless of past relations or tensions with the nation's ally states. Most notably, their support for this policy extends to the nation's most infamous and longstanding enemy, the United States, with whom the nation has fought two wars. Any attempts to reconcile have been further complicated after the election of vocal anti-Fugitive ally, William Lloyd Garrison, who halted Yankee cooperation in the retrieval and return of fugitives. Nevertheless, this faction, derisively labeled the "Doughfaces" by critics due to their perceived willingness to bend to U.S. interests argues that cooperation was necessary. They point to the provisions of the Treaty of Brussels and the agreed-upon reward for captured fugitives, whom they claim weren't even citizens of New England, that the U.S. agreed to pay; Which they contend as a necessary evil to tackle and settle the burdensome debts the nation has accumulated in recent years. In stark contrast, the "Firebrands," nicknamed as such due to the fearmongering that their support for Garrison's policy will spark a third crisis between the two bordering nations, are led by Representative John P. Hale of New Hampshire and Associate Justice Marcus Morton, the 1841 National Party nominee. Famously during a party meeting, Hale would passionately argue, "After witnessing the sacrifice of countless lives, the toll of significant casualties, the devastation wrought upon our infrastructure, and the profound scars etched upon our nation, it would be nothing short of tragic to discover ourselves entangled once more in the very predicament we endeavored to escape..." This sentiment has been echoed similarly by the rest of the Firebrands as they emerge as the top faction opposed to inner-party calls for cooperation with the United States.
\"DIPLOMATIC SCALES, a true balance\" a pro-Doughface political cartoon, contends through a smudge of humor, that the only way that the two nations, New England and the United States could remain in harmony is through compromise. Meanwhile, highlighting their role in the Treaty of Brussells and War of 1839, a man in the bottom-right conner, the personifcation of Britian interjects with his own oponions.
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2024.05.14 02:26 Pyroski The Midterms of 1848 and 1849 Pine & Liberty

The Midterms of 1848 and 1849 Pine & Liberty
In the final months of Daniel Webster's term, the economy, still reeling from the War of 1839 and the subsequent Panic of 1843, began a slow but steady recovery. William Lloyd Garrison, the incoming President who shattered the Federalists' grip on power, stepped into office with a bold agenda aimed at bolstering the economic upturn and lifting the nation's spirits. His initial flurry of legislative efforts included a proposed second bill of rights to prevent a repeat of the Sedition Acts, as well as measures to curb speech, the introduction of an equal rights and poll tax amendment, the reduction of the National Bank's influence, which Garrison branded as "corrupt" and "flawed," in favor of greater state control, and the full nationalization of the road industry. Congress has rejected every one of these, however, Garrison has managed to push through some reforms, such as removing Nathan Appleton as the bank's president in 1848, granting states more authority over monetary policies, the nonrenewal of the sedition acts, the District of Maine region's autonomy, imposing national limits on alcohol sales, and ban of the purchase of quantities over 16, and the ending of U.S. cooperation in the deportation of fugitives. However, widespread American fatigue over aggressive slavery policies, coupled with an indifferent Martin Van Buren administration, terms of the Treaty of Brussels, and interest in the settlement of new territories in the northwest, resulted in minimal diplomatic opposition to Garrison's fugitive policy.
Despite minor economic hiccups, trade has largely returned to its pre-war status as industries have stabilized. This was partly due to then-President Nathan Appleton raising interest rates in response to Garrison's funding cuts and minor currency instability resulting from the sudden influx of state control. Furthermore, despite Garrison's efforts to establish further independence from the increasingly close British empire by expanding trade with Haiti, Mexico, France, and the Netherlands, foreign investments, particularly by the British, in railroads and other industries continue, much to Garrison's chagrin.
Meanwhile, on the domestic front, with William Lloyd Garrison shepherding the more affluent Liberty party to adopt a more radical rhetoric against the establishment and secret societies as a whole, the Anti-Masonic party would see a sudden bleed of support, as several of its representatives switched their party affiliations in their 1846 and 1847 campaigns. This bleed would continue, as the party became Garrison's largest outsider ally on key legislative reforms, with Garrison championing the collapsing party's platform on issues such as poll tax and voting reforms, and fines for secret societies. By 1848, party officials would agree on a formal merge, as the remainder of party members switched over. As Temperance sentiment spreads far and wide across the nation, Natavist feelings soar to unprecedented heights; as Catholics and the Irish find themselves in the crosshairs of nativism, owing to stereotypes associating them with regular drinking and heavy alcohol consumption.

Federalist
Led by their esteemed leader, George Evans, federalists have undergone a significant transformation following a series of setbacks, including major electoral defeats to the oligarchy during the "Revolution of 1846" in both the Presidential and House races, and narrowly retaining control of the Senate. They distanced themselves from the still-sensitive Daniel Webster administration, and addressing concerns over his well-known alcoholism and allegations of sympathy to liquor, they adopted a more pronounced pro-temperance stance; with states such as Connecticut and New Hampshire, where they held sway over governorships and state legislatures, implementing stricter regulations. Moreover, although initially backing the Sedition Acts and playing key roles in its creation alongside Federalist President Noah Webster in 1827, most of the party shifted its stance by 1847, opposing its renewal. While Federalists have supported specific measures during the Garrison presidency, particularly those related to Temperance and opposition to the Sedition Acts, the party has emerged as Garrison's main opponent, leveraging their status as the second-largest party in the House and their majority in the Senate, to block much of his agenda. Notably, Massachusetts representative Nathaniel Briggs Borden, supported by the party establishment, spearheaded Federalist efforts to censure Garrison for his attempts to rein in the National Bank. Nonetheless, with the defense of the Law and Order party, Garrison managed to evade censure with a vote margin of 19-35. Nevertheless, leveraging their control in the Senate, Federalists effectively obstructed Garrison's legislative agenda, halting proposed cuts to national defense meant to prioritize funding for education and infrastructure, as outlined in Garrison's Bill of rights. Additionally, they stymied social reforms proposed by Garrison, including provisions in The Penitentiary Act of 1848 aimed at alleviating penalties for tax evasion, victims of the Sedition Acts, and Dorr sympathizers. Furthermore, they thwarted the full implementation of Garrison's Land Reform policy, which aimed to repurchase all lands acquired by foreign investors.
Despite defeats amid the "Revolution of 1846" and a party identity crisis, the glimmer of victory at the end of the tunnel, driven by opposition to Garrison and his efforts to dismantle the National Bank, has spurred party unity. Centering their campaign primarily on one issue: The National Bank, Federalists argue that Garrison's attempts to curtail it are unconstitutional, citing the 13th amendment which established a strong permanent bank, and criticizing his use of the spoils system, particularly Arthur Tappan's appointment as bank president in the wake of Appleton's removal. Opponents criticize Tappan as too inexperienced, highlighting his close friendship with Garrison and lack of a banking background, exacerbated by Appleton's own nearly decade-long experience as its president, to allege cronyism. On economics, Federalists campaign on reinstating Appleton; passing legislation to ensure the bank's stability; and the further federalizing of the bank to its pre-Garrison status. Cooperation with private industries in the construction of infrastructure, to limit government spending so that the nation may pay off the heavy debts sustained from a lengthy war on top of an economic depression. They also contest Garrison's efforts to distance New England's ties with British trade and investors, advocating instead for a stronger connection with other European Powers; They champion a return to a close-knit relationship, both diplomatically and economically, with Federalists emphasizing Britain, which contributed heavily to their independence and later the diplomatic resolution of the War of 1839, as their foremost ally.
https://preview.redd.it/kw6x3jsyu90d1.png?width=645&format=png&auto=webp&s=61eea696763d9a22017b26e91766ed73f9f37cc2
Liberty
Unseating the long-standing single-party rule of the Federalists during the Revolution of 1846, the Liberty Party stepped into the fray amidst a transformative era following a return to stability. Conceived by now-President William Lloyd Garrison under the influences of transcendentalism and liberty, advocating opposition to the government and support for limited intervention, it proved easier said than done to translate ideals into reality. Garrison eventually faced the stark reality upon assuming office, facing a slim majority in the House and a minority in the Senate, which forced him to navigate within the system, leaving much of his agenda in vain. Furthermore, Garrison's failure to pass equal rights and his proposed bill of rights has led inner-party critics, led by George Ripley, a Unitarian minister, and Henry David Thoreau, an author and former campaigner of Garrison, who has returned to civilization from his isolation in the forests of Massachusetts, to label Garrison as "corrupted" by political institutions. Other intra-party critics criticize his national restrictions on alcohol, attempts to block foreign business and investment, and fines for secret societies as further increasing the authority and scope of the government when the party's whole platform stood against it. Nonetheless, allies argue that his restrictions and expansion of executive power are necessary evils to tackle the root causes of societal issues and special interests and to promote the nation's independence while also supporting local businesses and industries.
Despite the emergence of splintering anti-Garrison factions, the Liberty Party has sought to navigate controversy by upholding the core tenets of Garrison's presidency. These include his cessation of collaboration with the U.S. on the deportation of fugitives from the Hudson-Greenway line; dismantling what Liberators perceive as a corrupt National Bank, and his instrumental role in achieving Statehood for the District of Maine after a struggle spanning over a decade, resulting in the creation of two new states: Maine and Bangor. In addition to championing Garrison's established agendas, the party endeavors to garner support for unfinished initiatives. These include proposals to expand the House's seats from 65 to 86, with each state gaining two more representatives than its electoral vote in the Electoral College, thus aiming to bolster representation. Furthermore, they advocate for Garrison's Second Bill of Rights, seeking to amend the constitution to ensure rights for all citizens and to federalize the poll tax to a reduced fee of $1.80. Additionally, they push for legislation aimed at diminishing the influence of Jewish bankers and investments, echoing Garrison's public condemnation of them as "the enemy of the people and Christ" and their purported "stranglehold over our nation's wealth."
https://preview.redd.it/9xaddoj2v90d1.png?width=1200&format=png&auto=webp&s=362325892120aab3df3f014dd3dfdb71f42440d9
Law and Order
Despite suffering heavy defeats amidst the Revolution of 1846 and Thomas Dorr's rebellion, the cornerstone of the party's creation, now relegated to the back burner of voters' minds, the Law and Order alliance of Farmers, Liberals, Traditionalists, and former Federalists and Nationalists finds itself in an awkward position. Larger parties such as the Federalists have adopted the centerpiece coalition's platform, such as the Federalists now championing calls for cooperation with the U.S. and moderate views on black and women's rights, while the Liberty Party advocates for limited government and a smaller national bank; Nonetheless, the Law and Order coalition has attempted to carve out a platform wedged between the two current party giants. Led by the party's House leader Robert C. Winthrop, the party has strongly emphasized its economic agenda, in a bid to set it apart from the two leading parties. They advocate for a limited National Bank, arguing for its scope to be restricted to essential sectors such as agriculture, infrastructure, and trade. Additionally, they propose limits on the money supply to maintain a stable bimetal gold and silver standard, advocate for increased transparency regarding bank loans, and impose requirements for loan eligibility. Moreover, emphasizing a limited federal government approach in favor of state control, they argue for allowing states to charter their own banks to a certain extent. They have also advocated for giving full control to the states to set their whiskey and alcohol policies, supporting government rollbacks on Garrison's national restrictions. Critics from the Law and Order faction lambaste Garrison for what they perceive as insufficient efforts to rein in the National Bank. Instead, they accuse him of employing the spoils system by appointing his friend, Arthur Tappan, whom many consider inexperienced, to oversee it, despite most of the party voting to replace Appleton with him. The party has argued for lower tariffs, contending that high tariffs disproportionately affect the nation's farmers while benefiting wealthy foreign and domestic investors and businesses; Additionally, they argue that lower tariffs would benefit consumer interests.
Championed by Winthrop and fellow prominent Law and Orderites, including Senator Franklin Pierce, former Governor Edward Everett, Representative Charles G. Atherton, Rhode Island speaker John Hopkins Clarke, and a now one-legged John Fairfield, the party has attempted to adopt a "Proclamation of Neutrality" regarding foreign policy, believing their strength could be achieved through trade and cordial relations with any country, regardless of past relations or tensions with the nation's ally states. Most notably, their support for this policy extends to the nation's most infamous and longstanding enemy, the United States, with whom the nation has fought two wars. Any attempts to reconcile have been further complicated after the election of vocal anti-Fugitive ally, William Lloyd Garrison, who halted Yankee cooperation in the retrieval and return of fugitives. Nevertheless, this faction, derisively labeled the "Doughfaces" by critics due to their perceived willingness to bend to U.S. interests argues that cooperation was necessary. They point to the provisions of the Treaty of Brussels and the agreed-upon reward for captured fugitives, whom they claim weren't even citizens of New England, that the U.S. agreed to pay; Which they contend as a necessary evil to tackle and settle the burdensome debts the nation has accumulated in recent years. In stark contrast, the "Firebrands," nicknamed as such due to the fearmongering that their support for Garrison's policy will spark a third crisis between the two bordering nations, are led by Representative John P. Hale of New Hampshire and Associate Justice Marcus Morton, the 1841 National Party nominee. Famously during a party meeting, Hale would passionately argue, "After witnessing the sacrifice of countless lives, the toll of significant casualties, the devastation wrought upon our infrastructure, and the profound scars etched upon our nation, it would be nothing short of tragic to discover ourselves entangled once more in the very predicament we endeavored to escape..." This sentiment has been echoed similarly by the rest of the Firebrands as they emerge as the top faction opposed to inner-party calls for cooperation with the United States.

Minor Party

This section is dedicated to minor parties that lack ballot access or cannot field candidates beyond specific races, making their chances of winning impossible.
Drunkards
Amidst the backdrop of anti-immigrant and Catholic sentiments fueled by campaigns advocating Temperance and the implementation of anti-alcohol measures on the national agendas of leading political factions, a coalition of politically engaged Catholic and Irish immigrants has emerged. Spearheaded by the influential editor of The Boston Post, James Gordon Bennett Sr., a Scottish Roman Catholic, their collective efforts have given rise to a small yet significant political organization: the Workingman's Party. With minor political connections, the party has largely remained native to Massachusetts, where it has contested several seats across the state, on a platform consisting of only three issues: equal protections for immigrants and immigrant workers, labor rights, and most infamously of all, opposition to temperance and alcohol restrictions. As a consequence, despite its intended role as a champion for laborers and immigrants, the party has more famously become to be known the mocking moniker of the "Drunkards" party, a label crafted by detractors to smear its reputation and insinuate that the party is run by a bunch of alcoholics who only became politically active after attempts to take or limit their bottle consumption
https://preview.redd.it/p39hdv64ja0d1.png?width=1035&format=png&auto=webp&s=907ffefd3e191033384bc9ac17bab090ad4b876d
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