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2012.12.18 20:57 whubbard Posts must be related to Firearms & Second Amendment Politics. Please engage in Civil Discussion.
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2011.01.31 02:21 CarlinT /r/Houston Socials!
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2024.05.16 04:10 Anonymousredditor009 How to move up the ladder / get started in my career?
Serious question (US based)
How do I become upper class?
CONTEXT: My family grew up middle class in an upper middle class neighborhood. I remember feeling ashamed because my friends would vacation to Europe every summer or other exotic destinations while I spent my summers working, and my only "vacation" was to go to the local public pool.
I've been out of college for a year now and have been able to take some short vacations within the US, which has been nice. However I still work in retail making a very low salary and my parents have given me a deadline to move out soon. I'm well aware that what I make is NOT a liveable salary, at least in the part of the country where I live.
I've been applying to jobs for almost two years and have gotten the occasional interview or phone screen but have not landed a single offer. I majored in a liberal arts degree but changed my mind on my ideal career path at a point where I was already stuck in my degree. I'd love to work in business but have already been rejected from all the firms in my area, not just the top ones (all without even getting an interview). I've been applying to jobs daily but I know I need a way to earn more money if I need to start supporting myself soon. I've even signed up for a side gig just to supplement my current job but am still waiting to get approved.
I've thought about becoming a gold digger (I am female) or starting an OnlyFans, although I can't quite overcome my conscience to do the latter, and I am too fat to be the former (I have PCOS and have struggled with my weight my whole life). I am currently learning to watch my diet and calories and working on losing weight, but I am currently well over my ideal weight and am only losing weight at a very slow rate which means it will be several years before I am down to a healthy weight.
Now for the good news.
For one, because I grew up surrounded by the upper middle class, I am familiar to some extent of the aesthetic of that class (although it is very different from my own personal style). I don't know some of the really boujee etiquette things like the different types of forks and what not (tbh being so concerned that someone's using a salad fork to eat steak or whatever is stupid. A fork is a fork.)
Because I went to an affordable public college, I graduated debt free, which is huge. I also graduated with a very good GPA and scored fairly highly on both undergraduate and graduate school standardized exams.
I also have a few different credit cards that I use responsibly and don't spend beyond my means (for the most part). I always pay my cards off in full every month and have a FICO credit score of about 770.
I try to diversify my portfolio, and of my savings I've accumulated so far, just under 10% is in a mutual fund, about 25% is in my 401k with company match, and the rest is in a high yield traditional savings account. With every paycheck, I contribute 10% to my 401k and an additional 10-25% into my savings account (I aim for 25% since I still live at home and have fewer expenses right now, but some months it's less).
It's hard because I've tried looking online for advice as far as how to become wealthy and I feel like I'm doing everything right - I went to college, I got good grades, I save a lot, I have no debt, I don't spend beyond my means, I've even tried going above and beyond to show my dedication in my job search by cold emailing recruiters at companies I'd be interested in (especially those who were alumni of my school), writing personalized cover letters, etc. and yet here I am stuck in my barely-above-minimum-wage soul-sucking retail job with a clock ticking over my head that I don't have much time to somehow find something that provides a liveable wage / move up in class so I can move out of my parents house. In addition, I don't really have the money to immerse myself into affluent circles by joining expensive country clubs, etc. (and even if I did, I feel like I would be judged and dismissed because I'm a fat woman), so that severely limits any opportunities to network or rub shoulders with the rich.
I know this is a very long post so thank you if you made it all the way to the end. I would really appreciate any sincere advice on how to move up in socioeconomic status, find a better paying job, etc. thank you ♥️
submitted by Anonymousredditor009 to careerguidance [link] [comments]
How do I become upper class?
CONTEXT: My family grew up middle class in an upper middle class neighborhood. I remember feeling ashamed because my friends would vacation to Europe every summer or other exotic destinations while I spent my summers working, and my only "vacation" was to go to the local public pool.
I've been out of college for a year now and have been able to take some short vacations within the US, which has been nice. However I still work in retail making a very low salary and my parents have given me a deadline to move out soon. I'm well aware that what I make is NOT a liveable salary, at least in the part of the country where I live.
I've been applying to jobs for almost two years and have gotten the occasional interview or phone screen but have not landed a single offer. I majored in a liberal arts degree but changed my mind on my ideal career path at a point where I was already stuck in my degree. I'd love to work in business but have already been rejected from all the firms in my area, not just the top ones (all without even getting an interview). I've been applying to jobs daily but I know I need a way to earn more money if I need to start supporting myself soon. I've even signed up for a side gig just to supplement my current job but am still waiting to get approved.
I've thought about becoming a gold digger (I am female) or starting an OnlyFans, although I can't quite overcome my conscience to do the latter, and I am too fat to be the former (I have PCOS and have struggled with my weight my whole life). I am currently learning to watch my diet and calories and working on losing weight, but I am currently well over my ideal weight and am only losing weight at a very slow rate which means it will be several years before I am down to a healthy weight.
Now for the good news.
For one, because I grew up surrounded by the upper middle class, I am familiar to some extent of the aesthetic of that class (although it is very different from my own personal style). I don't know some of the really boujee etiquette things like the different types of forks and what not (tbh being so concerned that someone's using a salad fork to eat steak or whatever is stupid. A fork is a fork.)
Because I went to an affordable public college, I graduated debt free, which is huge. I also graduated with a very good GPA and scored fairly highly on both undergraduate and graduate school standardized exams.
I also have a few different credit cards that I use responsibly and don't spend beyond my means (for the most part). I always pay my cards off in full every month and have a FICO credit score of about 770.
I try to diversify my portfolio, and of my savings I've accumulated so far, just under 10% is in a mutual fund, about 25% is in my 401k with company match, and the rest is in a high yield traditional savings account. With every paycheck, I contribute 10% to my 401k and an additional 10-25% into my savings account (I aim for 25% since I still live at home and have fewer expenses right now, but some months it's less).
It's hard because I've tried looking online for advice as far as how to become wealthy and I feel like I'm doing everything right - I went to college, I got good grades, I save a lot, I have no debt, I don't spend beyond my means, I've even tried going above and beyond to show my dedication in my job search by cold emailing recruiters at companies I'd be interested in (especially those who were alumni of my school), writing personalized cover letters, etc. and yet here I am stuck in my barely-above-minimum-wage soul-sucking retail job with a clock ticking over my head that I don't have much time to somehow find something that provides a liveable wage / move up in class so I can move out of my parents house. In addition, I don't really have the money to immerse myself into affluent circles by joining expensive country clubs, etc. (and even if I did, I feel like I would be judged and dismissed because I'm a fat woman), so that severely limits any opportunities to network or rub shoulders with the rich.
I know this is a very long post so thank you if you made it all the way to the end. I would really appreciate any sincere advice on how to move up in socioeconomic status, find a better paying job, etc. thank you ♥️
2024.05.16 02:55 GoldWhale Ivan Demidov: The Debate for #2 that Never Should Have Been
Written by u/GoldWhale & u/JD397
Thanks everyone for your patience with us getting this written up. Much appreciation to my co-author u/JD397 for his work, scouting analysis, and comprehensive background knowledge on where Demidov sat compared to historical players, and the international analysis. Please note, this analysis won’t focus on why Demidov>Levshunov. In terms of BPA, Demidov is nearly unanimously over Levshunov based on consolidated rankings. With the Blackhawks publicly saying they want to go BPA, we hope to establish a case as to why Demidov truly stands above the rest, by a good margin. We hope that this was worth the wait, and we haven’t disappointed anyone who may have wanted more. We’re amateurs, give us a small break 😉
When Deputy Commissioner Bill Daly flipped the decisive card to reveal the number one overall pick, Blackhawks fans were disappointed. They were going to miss out on Macklin Celebrini, the consensus number one center and number one overall player in the draft. After winning Connor Bedard the prior year, many fans were hoping for a one two punch down the middle, their own version of McDavid and Draisaitl, Crosby and Malkin; this was not to be.
Despite the initial dismay, fans were still happy. The Blackhawks won the second lottery, and with that, the rights to select a franchise player at number two overall. Immediately, though, there was debate. Swirling on social media there were rumors that the Blackhawks were predominantly looking at two high end prospects: Ivan Demidov (RW/C) and Artyom Levshunov (D). On one hand Demidov is an elite prospect at wing with excellent hands, creativity, and legitimate top line wing with PPG+ upside. On the other, Levshunov is a dynamic offensive defenseman with a stellar shot, solid size, dynamic skating, and most importantly right-handedness.
The Blackhawks, realistically, need both positions. Last year the Blackhawks iced one of the worst offenses in the entire league, scoring the second least goals behind only San Jose. They also had the fourth worst defense, surrendering 290 goals on the season. Neither are acceptable in the push for a playoff spot in the coming years, but ultimately with number two, you can only choose one of the two players. After our hours of analysis, u/JD397 and I believe there is no debate – as good as Levshunov is, Demidov is closer in skill and projection to Celebrini than anyone else in the draft is to him.
So who is Ivan Demidov? He’s an 18 year old forward playing for SKA 1946, a MHL affiliate of SKA of the KHL. Since the 2023 draft the big story out of the KHL was the dominance of Matvei Michkov. This was a kid who destroyed the MHL by putting up 38 points in 22 games and going PPG+ in the playoffs his D-1 Year. Michkov then outperformed Connor Bedard by putting up 16 points in 7 games at the IIHF U18s in 2021. Michkov was, and still is, borderline generational but there was someone else waiting in his shadow. In his D-1 Year, Ivan Demidov put up 62 points in 41 games, and scored 1.3PPG in the MHL playoffs. While putting up a lower PPG pace than Michkov, Demidov’s game was substantially more well rounded and scouts started to take notice of another potential franchise winger in Ivan Demidov.
Demidov exploded in his D-0 Year, putting up a literal 2.0 PPG pace in the MHL the highest pace ever for a player 18 or under, and the third highest PPG in league history. In the playoffs, despite an injury, Demidov posted a ridiculous 28 points in 17 games. This production was unheard of beforehand and bested Kucherov’s 1.87 point pace at 18. Not only did Demidov have better production AND two way play, but he also did it nearly 7 months younger. Demidov remains a bright spot who is able to elevate his play to the competition. Before talking about playstyle, strengths, comps, projections, etc. it needs to be noted just how dominant Demidov was on the scoresheet.
Now that fans know who Ivan Demidov is, let’s address the elephant in the room. Demidov is Russian and with the political climate worldwide, being a Russian is associated with an inherent risk of a prospect not coming over. Rest assured – there is no such concern in this case. Last year, rumors swirled around Michkov not coming over due to three factors:
On Demidov, the other large question that looms is his lack of play in the KHL, and SKA’s decision to play him in the MHL. Despite being the one of the best players in MHL history, Demidov only saw action in 4 KHL games and scored a total of 0 points which has also turned off many scoresheet watchers. Let us reassure you – Demidov was predominantly the 13th forward and played an average of 3-5 minutes per game with unfamiliar linemates. He did not have a chance to play enough to succeed, and built no chemistry with the teammates he was playing with in his limited time. SKA is notorious for handling their prospects poorly. Young players are consistently given limited ice time, especially when they’re expected to leave Russia. Michkov, despite his skill, couldn’t crack the SKA roster in his D-0 or D+1 simply because of this bias. All said, this is not a concern scouts have when it comes to the potential drafting of Demidov.
With the Russia question answered, we believe there is no doubt that Ivan Demidov is the pick to make in the 2024 draft. Ivan Demidov is really really good. He is the complete package for what you look for in a franchise winger. Demidov has excellent hands, dynamic edgework, elite hockey IQ, high end compete and energy, a relentless forecheck, creativity in the offense he provides, solid two way play, and finally rapid speed in terms of release and puck control. There is no one like him in this draft who offers such an elite skillset with no obvious flaws in his game outside of his build. He can also play center when needed which gives him additional offensive flexibility and adds even more dynamism to his game.
While analytics don’t tell the full story, they can often be a useful baseline to build from. The first item we want to call attention to is Byron Bader’s model, which projects Demidov as the best #2OA prospect since Eichel.. Let's again be clear, we don’t put much merit into this due to the low gradings of Carlsson and Laine, but it’s important to contextualize how Bader’s model works. It compares prospects to the league they’re in and projects them out. Demidov dominated the MHL to such a degree that the model favorably views him due to being almost untouched in play, and setting multiple records. Continuing with Hockey Prospecting and Bader, who is an active NHL draft consultant, they project Demidov to be an absolute STUD based on production. No forward who they’ve ever given 99%s to has ever been less than PPG+. Demidov has a very comparable offensive game to Celebrini, and is all but guaranteed to be a star due to his production and skillset. Alanen also projects Demidov to be elite in all 3 zones, and gives him a total RARE grade of 100, due to his next level offense and transition, and above average defensive work despite his assignments. Again, analytics aren’t an end all be all by any means. They’re just an exceptional base to build from when scouts, data scientists and NHL draft consultants unanimously believe a player to be elite. From our research, no prospects with comparable profiles have busted or not succeeded in the NHL.
Whilst reading multiple articles, watching videos on Demidov, and going through tape, we compiled the following scouting report.
Physical Attributes:
Demidov is not very physically imposing, or even one of the most physical players in the draft. He’s expected to show up to the combine around 6ft tall and weighing 170lbs. Admittedly one knock that some scouts have for him is his build and need to bulk up. Thankfully, this is easy to build at the professional level. Nonetheless, Demidov has sturdy base that enables him to dominate around the boards and in front of the net due to his rapid twitch movements and lower body power. Demidov is able to outskate and outwork larger and stronger players by being smart with his legs and driving to the inside consistently when in transition. His remarkable agility and lower-body strength allow him to outmaneuver opponents and maintain possession in tight spaces, or separate for quick attacks or desperation back checking.
Skating:
Demidov's skating is characterized by irregularities; while he exhibits great power on his edges, his transitions suffer due to a wide stance, leading to questionable but explosive pivot work. Despite this, his rapid acceleration and agility enable him to navigate through traffic seamlessly, while his powerful stride generates significant momentum, making him a constant threat in transition. Let’s clear up a misconception; Demidov is not a bad skater. He’s got decent speed, a good handle on body control, power on the inside of his edges and with quick crossovers, etc. His posture and stance need work, but this is something that looks completely fixable at the NHL level. It doesn’t require a rebuild of his skating style, rather a retool that can utilize his edgework as a base. Instead of hunching over at the end of a shift and losing speed and energy, Demidov can rely on quicker small movement cuts on for rapid movement and longer, albeit slower strides while holding himself higher to preserve energy while covering distance. While the 10 and 2 skating that Demidov employs isn’t conventional, it allows him to see a good deal of the ice, and when in close provide breaking speed towards the play. Fixing the reliance on 10 and 2 also offers faster top level skating and easier quick pivoting in a 200ft game, rather than a longer turn. Again, his skating is unorthodox – but it isn’t bad. It’s not mechanically sound, but it can be polished to a high level without a large amount of concern. Because of how unpredictable his skating is now, scouts across the board acknowledge that it potentially even grants an advantage as his body is harder to read.
Scoring Ability:
A natural sniper, Demidov possesses a lethal shot with pinpoint accuracy and a lightning-quick release that catches goaltenders off guard. Whether he's unleashing a blistering wrist shot from the slot or wiring a one-timer on the power play, Demidov consistently finds the back of the net with precision and finesse. One really underrated part of Demidov’s scoring ability comes from the aforementioned elite edgework. Due to how rapidly he can change directions while holding full control over the puck, he can create scoring lanes with almost zero room, and his accuracy is again one of the best we’ve evaluated as amateur scouts in the last few drafts. When there isn’t an immediate opening or shot, Demidov is patient, draws coverage where he wants, and again has no qualms about firing the puck to the net. If there’s one question about his ability to score, it’s his slapshot. He hasn’t had to use it in almost any occasion due to how the offense is structured on SKA 1946, and therefore it’s not as developed as his snap or wrister. This is a relatively minor knock, though. Demidov can take slapshots and find twine without much difficulty, it’s just the least refined part of his goalscoring ability.
Playmaking and Elite Hands:
Demidov has the best hands that we have scouted. Better than McDavid, better than Fantilli, better than Hughes, better than Bedard, better than Michkov, and yes, better than Patrick Kane as a prospect. Yep, that good. Hadi Kalakeche, one of Dobber’s lead scouts says, “…he has THE best handling skill I’ve seen… he’s the closest thing we’ve seen to Pavel Datsyuk since Pavel Datsyuk.” The rapidity of his movement, the purposeful puck placement, the astounding protection rate, and his ability to pull defenders off of him without moving his body is unlike anything we’ve ever seen before. Again, he has the most individual puck skill and innate offensive talent in the draft. These skills with his hands allow him to become an absolutely next level playmaker. Demidov is crafty, and has a history of faking shots to make a pass, or vice versa to help his team. He’s able to create lanes and take advantage of his puck control by having absolutely next level zone entry to set up the offense on a consistent basis. While his decision making needs some work when it comes to choosing the best move, he almost always makes the right one, and is able to think through solutions when there’s no apparent move forward. Whether it’s a drop pass, running the puck up the boards, a regroup, finding a teammate with a perfectly slotted pass, Demidov has no real ceiling. The only question remains is whether these skills will work as well at the next level. All said though, there’s no real debate between scouts that he’ll be a franchise winger.
Creativity and IQ:
Demidov is electrifying, brilliant, dynamic, innovative, transcendent, and any other adjective you want to use. There is no prospect in this draft with Demidov’s offensive upside, including Macklin Celebrini. As mentioned above, Demidov has been compared to Datsyuk: he is stellar at opening up lanes with his body or finding passes, even if they’re banked off the boards. While Bedard is a guy who was expected to shoot first, Demidov is a passer. This works in his favor, though. Demidov certainly doesn’t lack a scoring touch. His positioning and body will tell goalies and defenders he’s planning to pass and he’s able to quickly change direction using his edges to put a shot on net. His ability to think several steps ahead of the play allows him to execute highlight-reel passes and capitalize on scoring opportunities that others on his team might miss, or simply not have the skill to execute. He’s unpredictable because his vision is at such a high level. He’s got a game reminiscent of Jack Hughes and Patrick Kane, and the way he views the game has scouts absolutely over the moon about his pro projection. There really is nothing that Demidov doesn’t have the ability to do – this year in the MHL he took advantage of the strength of competition and tested it out. Demidov tried different reads, different styles, working more heavily down the middle, shooting, playdriving, etc. We’re blown away by the flexibility that he shows across every facet of the game. A really fun quote to mention from Lassi Alanen, EP’s director of Euro scouting is, “I still have like 100+ unused clips of Demidov's play from this season. He must be the most clippable prospect I've ever watched. Something eye-catching happening almost every shift during his second half of the season.” Demidov’s highlight reel isn’t really a “reel” – that’s just how he plays the game on most shifts that he takes.
Physicality and Defensive Awareness:
Demidov's physicality extends well beyond his height, as he isn't afraid to throw his weight (all 170lbs) around and engage in board battles to win possession. His defensive awareness is equally impressive, as he uses his size and reach to disrupt passing lanes and apply pressure on opposing forwards both in the defensive zone and in the neutral zone, showcasing a commitment to playing a complete, two-way game. As briefly mentioned, Demidov doesn’t exclusively play wing – he plays center too. While he’s not going to be Patrice Bergeron he is capable of handling both ends of the ice, and has consistently improved his defensive play throughout the year.
Work Ethic and Engagement:
While almost all prospects “work hard” to play their best on the ice, Demidov does that little bit more. Despite being a winger, he’s consistently one of the first players up and down the ice. He rarely coasts and drifts around but is engaged rather consistently all around the ice. One thing that’s often hard to teach prospects is how to be aggressive and assertive without being risky. Demidov never worries about challenging his opponents, fighting hard board battles, or giving his all to get back into a play after he’s low after driving to the net. This is something that the Blackhawks LOVE in their players, and should hopefully encourage GMKD to pull the trigger, if everything else didn’t sell him. As we see Demidov continue to improve in skating with NHL coaches, this should only give him more energy to expend in the 200ft game, and improve his engagement across plays. He’s an absolute workhorse, and consistently pushes to improve which evidenced by the massive improvement across this season in the MHL. There’s no reason to think this same drive can’t come through on the NHL level.
Areas to Improve and Questions:
With all the hype around Demidov, it’s hard to initially understand why he’s considered a lower end prospect than Celebrini. Digging in, though, it becomes more clear. While Demidov has the higher ceiling, he also has a much lower floor. The number one factor that limits Demidov is his exposure to higher end competition. The MHL is a good league, but Demidov was ready for the KHL last year. Since he wasn’t exposed to higher end competition there is still question on how much of his skillset will translate when playing higher level men’s hockey. There isn’t an expectation of a problem, but when a player lacks that experience, it undoubtedly makes them more challenging to project. Remember, Demidov didn’t really play meaningful KHL minutes when he got 4 games this year. He got 13th forward exposure and didn’t play with the same linemates that he worked with in the pre-season. Nonetheless, he wasn’t perfect. He did see some questionable decisions while trying to adapt to higher competition. There’s little concern that this is an actual issue, but Demidov needs to grow and play against men, even for a few games, before coming to the NHL. Thankfully, he should have the entire season in 2024-2025, and I haven’t read a single scouting report that expects him to have an issue putting up Michkov+ numbers.
The second factor is skating. Demidov is a good skater, but he’s unorthodox at best. While this skating relies heavily on his edgework which gives him amazing playmaking ability, his pivoting, high end speed, position and stride could all use refinement and improvement. While these are all skating mechanics that are easier to fix, skating is NOT a guarantee. If he’s unable to improve his skating with NHL skating coaches, it could limit his upside. He is still expected to be a top line winger, but it could be the difference between 70+ and 100+ points if skating doesn’t develop. Remember, some scouts view his skating as a “hidden” upside in his game, but improving skating not only gives him more offensive flexibility, but also defensively. There’s room for improvement, and it could be an easier lever to correct to see high rewards from.
The third factor is decision making. Demidov is creative to a fault, but just like in art, not every project works out. With such an advanced toolkit, Demidov needs to work with video coaches to better understand which moveset is appropriate in which scenario and when to deploy it. There’s a difference between decision making and IQ. Decision making is hard to fix when a prospect is set in their ways based on playstyle, but if playstyle is more flexible, then there’s much less of a concern. IQ, on the other hand is uncoachable, and Demidov has arguably the best offensive IQ in the draft. There’s no reason to believe that he can’t fix this, but due to being stuck abroad, and potentially even the MHL again next year, it could take him a bit longer to get up to NHL speed.
The final factor is defense. While it seems that every single forward prospect has a knock on their defense, we can qualify Demidov’s specifics a bit more easily. Demidov is a competent defender, and a very good well rounded player, but again decision making plays a factor in the challenge of projecting him here. While players like Celebrini are dominant both ways, Demidov often doesn’t make the right choice when defending – he has a lot of offensive instincts which have him sit higher on the blue, and while he is always engaged on the puck, he needs to be more responsible in coverage rotations. Off the rush, Demidov doesn’t always read the play correctly, and the inconsistency can create shooting lanes for his opponent. Just like Michkov, he can also cheat on plays where he finds himself a bit further away from a play and loses sight of his defensive assignment. He’s extremely energetic and consistently pushes to get back, but working with him on understanding when to cheat will be important for his development as well. We again want to reemphasize that Demidov plays solid defense and a good two way game, especially for a wingecenter. But there’s room for improvement in terms of bridging the gap between him and other recent prospects like Celebrini, Carlsson, and Johnston.
Pro Projection:
While he doesn’t have the skating that Jack Hughes had, he’s still a great projection and comparable. A smaller but nimble player who isn’t afraid to get involved on the rush, around the boards, or in transition. Demidov’s offensive upside is similar as well – like Hughes, the defense isn’t the best, but he’s able to run an entire offense both on the wing and playing center. He’s creative to a fault, has a great set of hands, and the toolkit to be a consistent top 5 player at his position in the NHL. Pro projections are always hard because you can never guarantee how a player will turn out, whether they’re undrafted or a #1OA, but Demidov is truly all but a sure thing. His creativity rivals players like Nikita Kucherov and Mitch Marner in their ability to think ahead of where the play is, his handling rivals Kane and Datysuk, his defensive play is above average for a winger, he has a great shot comparable to players like Matt Tkachuk, and is a bitch to get off the puck. Even when Demidov is literally on the ground, he’s consistently able to hold possession and find a play with no room left. With a toolkit like his, decent size at an estimated 6ft, there should be no reservations that Demidov should succeed at the next level. Most scouts see his floor around 65-70 points, and his ceiling closer to 120. I stand by the Jack Hughes comp I made earlier. While they differ in skating, they play very similar games, and should expect similar success at the next level.
Quotes:
Clip 1:
As we talked about prior, Demidov has a great IQ and the ability to create lanes and plays out of nothing. Demidov pushes up the ice and enters the zone with pressure closing onto the side. He uses his hands to pull in control, but more impressively, puts his body between the defender and the puck. He uses his edgework and breaking speed to push past the defender, then is patient enough to draw 3 defenders towards him, away from his teammate. When he sees the trailing defenseman waiting, he immediately finds a tight pass for a wide open teammate to capitalize.
Clip 2:
There’s a difference between a safe move, and then there’s an insane move. Watch as Demidov comes up on the left side. He sees that the defender is getting desperate and goes for a large poke. Demidov slides the puck under the Dman’s stick and once again shows off his patience. Instead of going for a quick shot he reads that the other defender is slowly coming across the crease to prevent a passing lane. Instead of just shooting like most players, Demidov baits the goalie into thinking he’s going to run into the defenseman, and in that second, puts the puck in the net.
Clip 3:
Small play, but this is just about how slick his passing is. He slides the puck through a very tight lane while baiting the defenseman into sliding due to not knowing where the play is going to be.
Clip 4:
While we can put on nonstop highlights, it’s also important to see how smart Demidov’s game is. Demidov and the other SKA players move the puck around a bit trying to find an opening until they give it to Demidov. Demidov reads an open play and passes the puck down, but instead of immediately following the puck or staying at his spot, Demidov uses his high engagement to instead move to the other side of the net down low to offer accessory support for his teammates on his anticipated cross crease pass, should there have been a rebound.
Clip 5:
Not every highlight is going to be a goal. One really underrated part of Demidov’s game is how well he’s able to read the offense. As he holds high initially, he’s able to help move the puck out in order to reset the offense when the play fails. His motor keeps him in the play and with his excellent edges, he’s able to make a quick pivot after rushing around in order to step up and create an open shooting lane. While his teammate can’t make the pass to get the puck to him, Demidov read where the play WOULD be, not just where it was. Those IQ aspects really can’t be taught, and are part of what makes him so special. By anticipating the open play rather than following the puck, he establishes himself as a play driver by creating options rather just following and executing structure at a high level.
Clip 6:
We're not even going to analyze this one. It’s just fucking fun. Talent oozes.
Clip 7:
This video has a ton of highlights, which I’d definitely recommend watching, but we’re going to focus specifically on the play at 0:45. We can post clips of Demidov scoring goals, finding breakaways, etc. all day long, but when thinking about translation to the NHL, IQ and decision making is what we’re really drying to drill down on. Demidov arrives in the zone through to middle and pushes the initial F1 to the F3 spot and changes the rotation. The puck is dumped to him and the initial F1 leaves a drop pass for Demidov approaching the goal. As soon as Demidov gets the puck, at 0:47, you can see him primed and in a good shooting position. The bigger defender misread the play and has drifted too far towards the center of the ice, leaving Demidov with a nearly unobstructed shooting lane as the netfront defenseman is also too far toward the middle. Instead of taking the shot, he instead waits to draw over the netfront defenseman, and the bigger defenseman closer towards him, leaving his teammate literally untouched across the crease. Demidov trusts his hands and ability with an extremely quick and accurate pass through the stick range of three defenders to find his teammate wide open. His decision making has been progressively improving and his ability to look off the shot to find an elite pass will translate extremely well to the next level.
Clip 8:
Another play where you can just be excited about Demidov. The puck is wrapped up around the boards and the defenseman sitting at the top of the blue just pushes the puck back into the zone without a clear target, or a player who has an explicit opening to the puck. If anything, the puck is put in the middle of all 5 Karpat skaters. Despite starting on the outside, Demidov’s engagement shines through where he uses his edgework to get a rapid explosive burst of speed, and pushes through both defenders in front of him to gain possession. Once he gains possession, his ability to control the puck, and his handles help to demonstrate just how strong of a prospect Demidov is. Even when the defender is falling onto him, Demidov is patient, makes the netfront defender bite to believe he’s going wide, creating a lane (effectively bypassing 3 separate Karpat players) to get to the goalie unobstructed. Then, his hands come out and he absolutely undresses the netminder with moves that the video literally cannot fully capture. He makes highlights like this look routine, every single game.
Clip 9:
Sometimes when you see a play it’s hard to say anything but wow. Demidov leads the rush through the neutral zone and reads the coverage a much less conventional 1-4 scheme. The offensive rush is a bit unconventional as well, but can offer a smart solution. By having 3 attackers, two concentrated up the middle and one wide, it allows for quick movement up the middle, and post defensive collapse onto the puck, a pass to the outside for a clear entry lane and shot. Demidov passes to his teammate directly across the center of the ice as he expects that teammate to immediately get puck to their teammate on the outside as coverage collapses. Demidov gauges where the openings are pre pass, as evidenced by the head movement. Unfortunately, instead of immediately passing again to the outside for an open lane, his teammate runs into pressure, and panics. He passes back to Demidov who is less than 8ft away and will inevitably will run into immediate pressure as well. Somehow, this is no problem for Demidov. He collects the puck with the literal tip of his stick, uses his body push the defender off, and then pulls the puck in while facing the wrong direction to slip past the defender. Despite being placed in a no win situation his hands and creativity shine through and he creates a clean lane to shoot the puck at the net. It’s almost inhuman what he’s able to do with his hands. When he gets to the net, he’s patient, baits the goalie, pulls wide, and then puts in a clean backhand. Some of these highlights are literally awe-inspiring.
Closing Thoughts:
If this scouting report doesn’t get you excited for Demidov, we don’t think anything will. He’s truly the most electric player in the draft with absolutely ridiculous hands, compete, dynamic play, and highlight reel performance. His IQ is next level, and his hands allow him to do truly amazing things with his skillset and competency. Demidov’s vision is absurd; he consistently makes passes to his teammates without looking, or sends a pass before a teammate has a clean break by using anticipation. These RARELY lead to a turnovers and are often not only creative but unorthodox methods to continue to move the puck up ice. Although his skating is unorthodox, he’s explosive, able to create comprehensive offensive maneuvers due to quick transitions, and make off angle passes with ease due to his edgework. He is elite in transition and able to run a breakout, an offense, and play any of the F1/F2/F3 roles when the situation calls for it. Despite his expected size of “only” 6ft 170lbs, Demidov knows how to use his body and hands. He not only protects the puck on offense but can draw defenders away from his teammates in predictable patterns, once again opening up space for him to capitalize. The same goes for defense where he's able to use his positioning to get the edge on his opponents for a rapid takeaway or a box out off the rush.
As we mentioned earlier, Demidov’s game isn’t limited only to offense, he has a decent understanding of the two way game as well. He’s a relentless forechecker, aggressive on the boards, and also always willing to use his high running motor to jump back into a play that leaves the zone, even if he’s right next to the net. Demidov has the most skill and raw talent out of any player in this draft, including Celebrini. Had Demidov not been demoted to the MHL due to SKA’s poor management, there is almost no doubt that he would be considered nearly neck and neck with Celebrini. As it is now, Demidov is ranked #2 on most boards, and the overall #2 in the consolidated ranking. Demidovs don’t come around often; people last year were genuinely considering whether Michkov was at Bedard’s level. Demidov rivals Michkov if not exceeds him.
You can nitpick the analysis we have of any one single aspect of Demidov. Not everyone buys analytics. Not everyone buys playmaking in a lower league. Not everyone likes irregular skating. Not everyone is on board with the MHL stat sheet, our hype etc. etc. We get it. Really, we do. But at the end of the day, when you step back and appreciate the full body of work, the comps, the analytics, the rave scouting reports, unanimous love, models, stat sheets, skill, work ethic, and more that ALL say that this kid is elite, there’s fire beyond the smoke. Demidov is THE guy. There should not be a debate at #2.
For those of you who made it to the end, thanks for reading! Ultimately we know there will be inevitable debate about a prospect, but we appreciate you hearing us out, and at least letting me, u/GoldWhale, spam the sub over the last few weeks in love of Demidov. Whether or not you agree with our analysis, we encourage you to do your own scouting, read from the authors we've included, watch through all the highlights in the linked videos, and draw your own conclusions!
We appreciate everyone in this community, and will try to answer any questions that you may have in the comments. If you so choose, please feel free to crosspost to other subs, edit, or utilize this writeup anywhere you like (forums/blogs/youtube etc.), just link back to our original post! For those in professional media who have contacted us with the hope of utilizing our writeup, feel free, again just link back to the original post as well. Thanks again!
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Thanks everyone for your patience with us getting this written up. Much appreciation to my co-author u/JD397 for his work, scouting analysis, and comprehensive background knowledge on where Demidov sat compared to historical players, and the international analysis. Please note, this analysis won’t focus on why Demidov>Levshunov. In terms of BPA, Demidov is nearly unanimously over Levshunov based on consolidated rankings. With the Blackhawks publicly saying they want to go BPA, we hope to establish a case as to why Demidov truly stands above the rest, by a good margin. We hope that this was worth the wait, and we haven’t disappointed anyone who may have wanted more. We’re amateurs, give us a small break 😉
When Deputy Commissioner Bill Daly flipped the decisive card to reveal the number one overall pick, Blackhawks fans were disappointed. They were going to miss out on Macklin Celebrini, the consensus number one center and number one overall player in the draft. After winning Connor Bedard the prior year, many fans were hoping for a one two punch down the middle, their own version of McDavid and Draisaitl, Crosby and Malkin; this was not to be.
Despite the initial dismay, fans were still happy. The Blackhawks won the second lottery, and with that, the rights to select a franchise player at number two overall. Immediately, though, there was debate. Swirling on social media there were rumors that the Blackhawks were predominantly looking at two high end prospects: Ivan Demidov (RW/C) and Artyom Levshunov (D). On one hand Demidov is an elite prospect at wing with excellent hands, creativity, and legitimate top line wing with PPG+ upside. On the other, Levshunov is a dynamic offensive defenseman with a stellar shot, solid size, dynamic skating, and most importantly right-handedness.
The Blackhawks, realistically, need both positions. Last year the Blackhawks iced one of the worst offenses in the entire league, scoring the second least goals behind only San Jose. They also had the fourth worst defense, surrendering 290 goals on the season. Neither are acceptable in the push for a playoff spot in the coming years, but ultimately with number two, you can only choose one of the two players. After our hours of analysis, u/JD397 and I believe there is no debate – as good as Levshunov is, Demidov is closer in skill and projection to Celebrini than anyone else in the draft is to him.
So who is Ivan Demidov? He’s an 18 year old forward playing for SKA 1946, a MHL affiliate of SKA of the KHL. Since the 2023 draft the big story out of the KHL was the dominance of Matvei Michkov. This was a kid who destroyed the MHL by putting up 38 points in 22 games and going PPG+ in the playoffs his D-1 Year. Michkov then outperformed Connor Bedard by putting up 16 points in 7 games at the IIHF U18s in 2021. Michkov was, and still is, borderline generational but there was someone else waiting in his shadow. In his D-1 Year, Ivan Demidov put up 62 points in 41 games, and scored 1.3PPG in the MHL playoffs. While putting up a lower PPG pace than Michkov, Demidov’s game was substantially more well rounded and scouts started to take notice of another potential franchise winger in Ivan Demidov.
Demidov exploded in his D-0 Year, putting up a literal 2.0 PPG pace in the MHL the highest pace ever for a player 18 or under, and the third highest PPG in league history. In the playoffs, despite an injury, Demidov posted a ridiculous 28 points in 17 games. This production was unheard of beforehand and bested Kucherov’s 1.87 point pace at 18. Not only did Demidov have better production AND two way play, but he also did it nearly 7 months younger. Demidov remains a bright spot who is able to elevate his play to the competition. Before talking about playstyle, strengths, comps, projections, etc. it needs to be noted just how dominant Demidov was on the scoresheet.
Now that fans know who Ivan Demidov is, let’s address the elephant in the room. Demidov is Russian and with the political climate worldwide, being a Russian is associated with an inherent risk of a prospect not coming over. Rest assured – there is no such concern in this case. Last year, rumors swirled around Michkov not coming over due to three factors:
- Michkov did not meet with more than two teams and actively told specific teams he would not play for them.
- Michkov was incredibly difficult to get ahold of predraft and it made scouts and front offices skeptical on his character and desire to come to the NHL.
- Michkov had 3 more years left on his contract with SKA.
On Demidov, the other large question that looms is his lack of play in the KHL, and SKA’s decision to play him in the MHL. Despite being the one of the best players in MHL history, Demidov only saw action in 4 KHL games and scored a total of 0 points which has also turned off many scoresheet watchers. Let us reassure you – Demidov was predominantly the 13th forward and played an average of 3-5 minutes per game with unfamiliar linemates. He did not have a chance to play enough to succeed, and built no chemistry with the teammates he was playing with in his limited time. SKA is notorious for handling their prospects poorly. Young players are consistently given limited ice time, especially when they’re expected to leave Russia. Michkov, despite his skill, couldn’t crack the SKA roster in his D-0 or D+1 simply because of this bias. All said, this is not a concern scouts have when it comes to the potential drafting of Demidov.
With the Russia question answered, we believe there is no doubt that Ivan Demidov is the pick to make in the 2024 draft. Ivan Demidov is really really good. He is the complete package for what you look for in a franchise winger. Demidov has excellent hands, dynamic edgework, elite hockey IQ, high end compete and energy, a relentless forecheck, creativity in the offense he provides, solid two way play, and finally rapid speed in terms of release and puck control. There is no one like him in this draft who offers such an elite skillset with no obvious flaws in his game outside of his build. He can also play center when needed which gives him additional offensive flexibility and adds even more dynamism to his game.
While analytics don’t tell the full story, they can often be a useful baseline to build from. The first item we want to call attention to is Byron Bader’s model, which projects Demidov as the best #2OA prospect since Eichel.. Let's again be clear, we don’t put much merit into this due to the low gradings of Carlsson and Laine, but it’s important to contextualize how Bader’s model works. It compares prospects to the league they’re in and projects them out. Demidov dominated the MHL to such a degree that the model favorably views him due to being almost untouched in play, and setting multiple records. Continuing with Hockey Prospecting and Bader, who is an active NHL draft consultant, they project Demidov to be an absolute STUD based on production. No forward who they’ve ever given 99%s to has ever been less than PPG+. Demidov has a very comparable offensive game to Celebrini, and is all but guaranteed to be a star due to his production and skillset. Alanen also projects Demidov to be elite in all 3 zones, and gives him a total RARE grade of 100, due to his next level offense and transition, and above average defensive work despite his assignments. Again, analytics aren’t an end all be all by any means. They’re just an exceptional base to build from when scouts, data scientists and NHL draft consultants unanimously believe a player to be elite. From our research, no prospects with comparable profiles have busted or not succeeded in the NHL.
Whilst reading multiple articles, watching videos on Demidov, and going through tape, we compiled the following scouting report.
Physical Attributes:
Demidov is not very physically imposing, or even one of the most physical players in the draft. He’s expected to show up to the combine around 6ft tall and weighing 170lbs. Admittedly one knock that some scouts have for him is his build and need to bulk up. Thankfully, this is easy to build at the professional level. Nonetheless, Demidov has sturdy base that enables him to dominate around the boards and in front of the net due to his rapid twitch movements and lower body power. Demidov is able to outskate and outwork larger and stronger players by being smart with his legs and driving to the inside consistently when in transition. His remarkable agility and lower-body strength allow him to outmaneuver opponents and maintain possession in tight spaces, or separate for quick attacks or desperation back checking.
Skating:
Demidov's skating is characterized by irregularities; while he exhibits great power on his edges, his transitions suffer due to a wide stance, leading to questionable but explosive pivot work. Despite this, his rapid acceleration and agility enable him to navigate through traffic seamlessly, while his powerful stride generates significant momentum, making him a constant threat in transition. Let’s clear up a misconception; Demidov is not a bad skater. He’s got decent speed, a good handle on body control, power on the inside of his edges and with quick crossovers, etc. His posture and stance need work, but this is something that looks completely fixable at the NHL level. It doesn’t require a rebuild of his skating style, rather a retool that can utilize his edgework as a base. Instead of hunching over at the end of a shift and losing speed and energy, Demidov can rely on quicker small movement cuts on for rapid movement and longer, albeit slower strides while holding himself higher to preserve energy while covering distance. While the 10 and 2 skating that Demidov employs isn’t conventional, it allows him to see a good deal of the ice, and when in close provide breaking speed towards the play. Fixing the reliance on 10 and 2 also offers faster top level skating and easier quick pivoting in a 200ft game, rather than a longer turn. Again, his skating is unorthodox – but it isn’t bad. It’s not mechanically sound, but it can be polished to a high level without a large amount of concern. Because of how unpredictable his skating is now, scouts across the board acknowledge that it potentially even grants an advantage as his body is harder to read.
Scoring Ability:
A natural sniper, Demidov possesses a lethal shot with pinpoint accuracy and a lightning-quick release that catches goaltenders off guard. Whether he's unleashing a blistering wrist shot from the slot or wiring a one-timer on the power play, Demidov consistently finds the back of the net with precision and finesse. One really underrated part of Demidov’s scoring ability comes from the aforementioned elite edgework. Due to how rapidly he can change directions while holding full control over the puck, he can create scoring lanes with almost zero room, and his accuracy is again one of the best we’ve evaluated as amateur scouts in the last few drafts. When there isn’t an immediate opening or shot, Demidov is patient, draws coverage where he wants, and again has no qualms about firing the puck to the net. If there’s one question about his ability to score, it’s his slapshot. He hasn’t had to use it in almost any occasion due to how the offense is structured on SKA 1946, and therefore it’s not as developed as his snap or wrister. This is a relatively minor knock, though. Demidov can take slapshots and find twine without much difficulty, it’s just the least refined part of his goalscoring ability.
Playmaking and Elite Hands:
Demidov has the best hands that we have scouted. Better than McDavid, better than Fantilli, better than Hughes, better than Bedard, better than Michkov, and yes, better than Patrick Kane as a prospect. Yep, that good. Hadi Kalakeche, one of Dobber’s lead scouts says, “…he has THE best handling skill I’ve seen… he’s the closest thing we’ve seen to Pavel Datsyuk since Pavel Datsyuk.” The rapidity of his movement, the purposeful puck placement, the astounding protection rate, and his ability to pull defenders off of him without moving his body is unlike anything we’ve ever seen before. Again, he has the most individual puck skill and innate offensive talent in the draft. These skills with his hands allow him to become an absolutely next level playmaker. Demidov is crafty, and has a history of faking shots to make a pass, or vice versa to help his team. He’s able to create lanes and take advantage of his puck control by having absolutely next level zone entry to set up the offense on a consistent basis. While his decision making needs some work when it comes to choosing the best move, he almost always makes the right one, and is able to think through solutions when there’s no apparent move forward. Whether it’s a drop pass, running the puck up the boards, a regroup, finding a teammate with a perfectly slotted pass, Demidov has no real ceiling. The only question remains is whether these skills will work as well at the next level. All said though, there’s no real debate between scouts that he’ll be a franchise winger.
Creativity and IQ:
Demidov is electrifying, brilliant, dynamic, innovative, transcendent, and any other adjective you want to use. There is no prospect in this draft with Demidov’s offensive upside, including Macklin Celebrini. As mentioned above, Demidov has been compared to Datsyuk: he is stellar at opening up lanes with his body or finding passes, even if they’re banked off the boards. While Bedard is a guy who was expected to shoot first, Demidov is a passer. This works in his favor, though. Demidov certainly doesn’t lack a scoring touch. His positioning and body will tell goalies and defenders he’s planning to pass and he’s able to quickly change direction using his edges to put a shot on net. His ability to think several steps ahead of the play allows him to execute highlight-reel passes and capitalize on scoring opportunities that others on his team might miss, or simply not have the skill to execute. He’s unpredictable because his vision is at such a high level. He’s got a game reminiscent of Jack Hughes and Patrick Kane, and the way he views the game has scouts absolutely over the moon about his pro projection. There really is nothing that Demidov doesn’t have the ability to do – this year in the MHL he took advantage of the strength of competition and tested it out. Demidov tried different reads, different styles, working more heavily down the middle, shooting, playdriving, etc. We’re blown away by the flexibility that he shows across every facet of the game. A really fun quote to mention from Lassi Alanen, EP’s director of Euro scouting is, “I still have like 100+ unused clips of Demidov's play from this season. He must be the most clippable prospect I've ever watched. Something eye-catching happening almost every shift during his second half of the season.” Demidov’s highlight reel isn’t really a “reel” – that’s just how he plays the game on most shifts that he takes.
Physicality and Defensive Awareness:
Demidov's physicality extends well beyond his height, as he isn't afraid to throw his weight (all 170lbs) around and engage in board battles to win possession. His defensive awareness is equally impressive, as he uses his size and reach to disrupt passing lanes and apply pressure on opposing forwards both in the defensive zone and in the neutral zone, showcasing a commitment to playing a complete, two-way game. As briefly mentioned, Demidov doesn’t exclusively play wing – he plays center too. While he’s not going to be Patrice Bergeron he is capable of handling both ends of the ice, and has consistently improved his defensive play throughout the year.
Work Ethic and Engagement:
While almost all prospects “work hard” to play their best on the ice, Demidov does that little bit more. Despite being a winger, he’s consistently one of the first players up and down the ice. He rarely coasts and drifts around but is engaged rather consistently all around the ice. One thing that’s often hard to teach prospects is how to be aggressive and assertive without being risky. Demidov never worries about challenging his opponents, fighting hard board battles, or giving his all to get back into a play after he’s low after driving to the net. This is something that the Blackhawks LOVE in their players, and should hopefully encourage GMKD to pull the trigger, if everything else didn’t sell him. As we see Demidov continue to improve in skating with NHL coaches, this should only give him more energy to expend in the 200ft game, and improve his engagement across plays. He’s an absolute workhorse, and consistently pushes to improve which evidenced by the massive improvement across this season in the MHL. There’s no reason to think this same drive can’t come through on the NHL level.
Areas to Improve and Questions:
With all the hype around Demidov, it’s hard to initially understand why he’s considered a lower end prospect than Celebrini. Digging in, though, it becomes more clear. While Demidov has the higher ceiling, he also has a much lower floor. The number one factor that limits Demidov is his exposure to higher end competition. The MHL is a good league, but Demidov was ready for the KHL last year. Since he wasn’t exposed to higher end competition there is still question on how much of his skillset will translate when playing higher level men’s hockey. There isn’t an expectation of a problem, but when a player lacks that experience, it undoubtedly makes them more challenging to project. Remember, Demidov didn’t really play meaningful KHL minutes when he got 4 games this year. He got 13th forward exposure and didn’t play with the same linemates that he worked with in the pre-season. Nonetheless, he wasn’t perfect. He did see some questionable decisions while trying to adapt to higher competition. There’s little concern that this is an actual issue, but Demidov needs to grow and play against men, even for a few games, before coming to the NHL. Thankfully, he should have the entire season in 2024-2025, and I haven’t read a single scouting report that expects him to have an issue putting up Michkov+ numbers.
The second factor is skating. Demidov is a good skater, but he’s unorthodox at best. While this skating relies heavily on his edgework which gives him amazing playmaking ability, his pivoting, high end speed, position and stride could all use refinement and improvement. While these are all skating mechanics that are easier to fix, skating is NOT a guarantee. If he’s unable to improve his skating with NHL skating coaches, it could limit his upside. He is still expected to be a top line winger, but it could be the difference between 70+ and 100+ points if skating doesn’t develop. Remember, some scouts view his skating as a “hidden” upside in his game, but improving skating not only gives him more offensive flexibility, but also defensively. There’s room for improvement, and it could be an easier lever to correct to see high rewards from.
The third factor is decision making. Demidov is creative to a fault, but just like in art, not every project works out. With such an advanced toolkit, Demidov needs to work with video coaches to better understand which moveset is appropriate in which scenario and when to deploy it. There’s a difference between decision making and IQ. Decision making is hard to fix when a prospect is set in their ways based on playstyle, but if playstyle is more flexible, then there’s much less of a concern. IQ, on the other hand is uncoachable, and Demidov has arguably the best offensive IQ in the draft. There’s no reason to believe that he can’t fix this, but due to being stuck abroad, and potentially even the MHL again next year, it could take him a bit longer to get up to NHL speed.
The final factor is defense. While it seems that every single forward prospect has a knock on their defense, we can qualify Demidov’s specifics a bit more easily. Demidov is a competent defender, and a very good well rounded player, but again decision making plays a factor in the challenge of projecting him here. While players like Celebrini are dominant both ways, Demidov often doesn’t make the right choice when defending – he has a lot of offensive instincts which have him sit higher on the blue, and while he is always engaged on the puck, he needs to be more responsible in coverage rotations. Off the rush, Demidov doesn’t always read the play correctly, and the inconsistency can create shooting lanes for his opponent. Just like Michkov, he can also cheat on plays where he finds himself a bit further away from a play and loses sight of his defensive assignment. He’s extremely energetic and consistently pushes to get back, but working with him on understanding when to cheat will be important for his development as well. We again want to reemphasize that Demidov plays solid defense and a good two way game, especially for a wingecenter. But there’s room for improvement in terms of bridging the gap between him and other recent prospects like Celebrini, Carlsson, and Johnston.
Pro Projection:
While he doesn’t have the skating that Jack Hughes had, he’s still a great projection and comparable. A smaller but nimble player who isn’t afraid to get involved on the rush, around the boards, or in transition. Demidov’s offensive upside is similar as well – like Hughes, the defense isn’t the best, but he’s able to run an entire offense both on the wing and playing center. He’s creative to a fault, has a great set of hands, and the toolkit to be a consistent top 5 player at his position in the NHL. Pro projections are always hard because you can never guarantee how a player will turn out, whether they’re undrafted or a #1OA, but Demidov is truly all but a sure thing. His creativity rivals players like Nikita Kucherov and Mitch Marner in their ability to think ahead of where the play is, his handling rivals Kane and Datysuk, his defensive play is above average for a winger, he has a great shot comparable to players like Matt Tkachuk, and is a bitch to get off the puck. Even when Demidov is literally on the ground, he’s consistently able to hold possession and find a play with no room left. With a toolkit like his, decent size at an estimated 6ft, there should be no reservations that Demidov should succeed at the next level. Most scouts see his floor around 65-70 points, and his ceiling closer to 120. I stand by the Jack Hughes comp I made earlier. While they differ in skating, they play very similar games, and should expect similar success at the next level.
Quotes:
“He’s got the best hands in the draft… and has made more one-on-one skill plays so far this season than almost any prospect I’ve scouted for any draft. He’s also a pretty engaged off-puck player who keeps his feet moving, hunts pucks on the forecheck, and can turn a steal into a game-breaking play in an instant.”Our Scouting:
Scott Wheeler, The Athletic
“Demidov is already a game-breaking forward who can move the puck effortlessly and there’s no question he’d be a fantastic partner to some of the best prospects in the NHL today. His production in the MHL is comparable to Patrick Kane’s 2006-07 season with the Ontario Hockey League’s London Knights… Demidov is a bonafide first-line winger who will score tons of goals.”
Dayton Reimer, The Hockey Writers
“In a vacuum he’s the most talented forward this draft class has to offer outside of Celebrini. Demidov possesses many of the same traits Celebrini does, only his track record is against younger, more unproven talent."
Sam Cosentino, Sportsnet
“The talent of Demidov is impossible to deny. His raw skills might be the best in terms of offense in the entire draft. His puckhandling, shot, passing, and even skating makes him a unique hockey player and prospect. There are many great offensive players, but not many quite like Demidov. Especially who will also have a great drive and motor to play a strong 200 foot game… he could easily be a point per game player in the NHL on most teams first line.”
Frederik Frandsen, Last Word on Sports
“At the end of the day, what you get in a player like Ivan Demidov is a generational offensive dynamo with the mind of a master chess player. Each time he gains possession of the biscuit, his ability to think many steps ahead of the opponent, find creative solutions involving his puck handling abilities, as well as creating tremendous execution at creating space with his skating or precisely hitting the net is considered to be up to par at the NHL level.”
Tyler Ballesteros-Willard, Draft Prospects Hockey
“Any forward that has ever had the type of equivalency we’ve seen from Demidov in his pre-draft year and draft year, going back to the ’80s, has turned into a point-per-game-plus superstar over their careers… You need stars to compete and contend in the NHL, and Demidov is almost guaranteed to be that.”
Byron Bader, Hockey Prospecting
“Demidov is the most dynamic, verstatile, and creative [puck] handler we’ve seen come through the draft in recent years. Elements of his on-puck decision-making remain raw, but his upside as a 100-point top-line winger is supported by decent off-puck and defensive engagement and lightning-quick processing of the game. His elite-level of on-puck intelligence and his trifecta of dynamic handling, playmaking, and goalscoring tools give him the foundation to become an electrifying creative force and offensive driver.”
Sebastian High, Dobber
“Demidov breaks defences. He spots a tiny gap in coverage, bursts right through, and blows it open. He plays mostly a finesse game, but does so hyper-aggressively, attacking everything he can. Demidov succeeds at pulling off plays that most prospects can't. He plans, processes, and anticipates faster than he can stickhandle. He's a pure creator with the puck, making plays out of nothing.”
David St. Louis, Elite Prospects
“Demidov is the more dynamic and flashy prospect [Than Michkov].Demidov is the single-most gifted handler in the entire 2024 class. He projects to be the superior one-on-one attacker…someone who can single-handedly create out of thin air. When it comes to passing ability…Demidov’s ability to chain together handling sequences into following passing plays is second to none.”
Lassi Alanen, Elite Prospects
“It’s a no brainer[at #2OA]. It’s Ivan Demidov all day, every day, 24/7. You run to the stage and pick him… if you ask me, Ivan Demidov is better than Matvei Michkov… He’s the only prospect in our rankings who we gave a 10 grade to for a specific ability. It’s not just the handling skill in isolation it’s the creativity. He comes up with solutions no one can expect.. his motor is underrated, puts in work defensively… it’s a no brainer there.”
Hadi Kalakeche, Locked on NHL/Dobber
Clip 1:
As we talked about prior, Demidov has a great IQ and the ability to create lanes and plays out of nothing. Demidov pushes up the ice and enters the zone with pressure closing onto the side. He uses his hands to pull in control, but more impressively, puts his body between the defender and the puck. He uses his edgework and breaking speed to push past the defender, then is patient enough to draw 3 defenders towards him, away from his teammate. When he sees the trailing defenseman waiting, he immediately finds a tight pass for a wide open teammate to capitalize.
Clip 2:
There’s a difference between a safe move, and then there’s an insane move. Watch as Demidov comes up on the left side. He sees that the defender is getting desperate and goes for a large poke. Demidov slides the puck under the Dman’s stick and once again shows off his patience. Instead of going for a quick shot he reads that the other defender is slowly coming across the crease to prevent a passing lane. Instead of just shooting like most players, Demidov baits the goalie into thinking he’s going to run into the defenseman, and in that second, puts the puck in the net.
Clip 3:
Small play, but this is just about how slick his passing is. He slides the puck through a very tight lane while baiting the defenseman into sliding due to not knowing where the play is going to be.
Clip 4:
While we can put on nonstop highlights, it’s also important to see how smart Demidov’s game is. Demidov and the other SKA players move the puck around a bit trying to find an opening until they give it to Demidov. Demidov reads an open play and passes the puck down, but instead of immediately following the puck or staying at his spot, Demidov uses his high engagement to instead move to the other side of the net down low to offer accessory support for his teammates on his anticipated cross crease pass, should there have been a rebound.
Clip 5:
Not every highlight is going to be a goal. One really underrated part of Demidov’s game is how well he’s able to read the offense. As he holds high initially, he’s able to help move the puck out in order to reset the offense when the play fails. His motor keeps him in the play and with his excellent edges, he’s able to make a quick pivot after rushing around in order to step up and create an open shooting lane. While his teammate can’t make the pass to get the puck to him, Demidov read where the play WOULD be, not just where it was. Those IQ aspects really can’t be taught, and are part of what makes him so special. By anticipating the open play rather than following the puck, he establishes himself as a play driver by creating options rather just following and executing structure at a high level.
Clip 6:
We're not even going to analyze this one. It’s just fucking fun. Talent oozes.
Clip 7:
This video has a ton of highlights, which I’d definitely recommend watching, but we’re going to focus specifically on the play at 0:45. We can post clips of Demidov scoring goals, finding breakaways, etc. all day long, but when thinking about translation to the NHL, IQ and decision making is what we’re really drying to drill down on. Demidov arrives in the zone through to middle and pushes the initial F1 to the F3 spot and changes the rotation. The puck is dumped to him and the initial F1 leaves a drop pass for Demidov approaching the goal. As soon as Demidov gets the puck, at 0:47, you can see him primed and in a good shooting position. The bigger defender misread the play and has drifted too far towards the center of the ice, leaving Demidov with a nearly unobstructed shooting lane as the netfront defenseman is also too far toward the middle. Instead of taking the shot, he instead waits to draw over the netfront defenseman, and the bigger defenseman closer towards him, leaving his teammate literally untouched across the crease. Demidov trusts his hands and ability with an extremely quick and accurate pass through the stick range of three defenders to find his teammate wide open. His decision making has been progressively improving and his ability to look off the shot to find an elite pass will translate extremely well to the next level.
Clip 8:
Another play where you can just be excited about Demidov. The puck is wrapped up around the boards and the defenseman sitting at the top of the blue just pushes the puck back into the zone without a clear target, or a player who has an explicit opening to the puck. If anything, the puck is put in the middle of all 5 Karpat skaters. Despite starting on the outside, Demidov’s engagement shines through where he uses his edgework to get a rapid explosive burst of speed, and pushes through both defenders in front of him to gain possession. Once he gains possession, his ability to control the puck, and his handles help to demonstrate just how strong of a prospect Demidov is. Even when the defender is falling onto him, Demidov is patient, makes the netfront defender bite to believe he’s going wide, creating a lane (effectively bypassing 3 separate Karpat players) to get to the goalie unobstructed. Then, his hands come out and he absolutely undresses the netminder with moves that the video literally cannot fully capture. He makes highlights like this look routine, every single game.
Clip 9:
Sometimes when you see a play it’s hard to say anything but wow. Demidov leads the rush through the neutral zone and reads the coverage a much less conventional 1-4 scheme. The offensive rush is a bit unconventional as well, but can offer a smart solution. By having 3 attackers, two concentrated up the middle and one wide, it allows for quick movement up the middle, and post defensive collapse onto the puck, a pass to the outside for a clear entry lane and shot. Demidov passes to his teammate directly across the center of the ice as he expects that teammate to immediately get puck to their teammate on the outside as coverage collapses. Demidov gauges where the openings are pre pass, as evidenced by the head movement. Unfortunately, instead of immediately passing again to the outside for an open lane, his teammate runs into pressure, and panics. He passes back to Demidov who is less than 8ft away and will inevitably will run into immediate pressure as well. Somehow, this is no problem for Demidov. He collects the puck with the literal tip of his stick, uses his body push the defender off, and then pulls the puck in while facing the wrong direction to slip past the defender. Despite being placed in a no win situation his hands and creativity shine through and he creates a clean lane to shoot the puck at the net. It’s almost inhuman what he’s able to do with his hands. When he gets to the net, he’s patient, baits the goalie, pulls wide, and then puts in a clean backhand. Some of these highlights are literally awe-inspiring.
Closing Thoughts:
If this scouting report doesn’t get you excited for Demidov, we don’t think anything will. He’s truly the most electric player in the draft with absolutely ridiculous hands, compete, dynamic play, and highlight reel performance. His IQ is next level, and his hands allow him to do truly amazing things with his skillset and competency. Demidov’s vision is absurd; he consistently makes passes to his teammates without looking, or sends a pass before a teammate has a clean break by using anticipation. These RARELY lead to a turnovers and are often not only creative but unorthodox methods to continue to move the puck up ice. Although his skating is unorthodox, he’s explosive, able to create comprehensive offensive maneuvers due to quick transitions, and make off angle passes with ease due to his edgework. He is elite in transition and able to run a breakout, an offense, and play any of the F1/F2/F3 roles when the situation calls for it. Despite his expected size of “only” 6ft 170lbs, Demidov knows how to use his body and hands. He not only protects the puck on offense but can draw defenders away from his teammates in predictable patterns, once again opening up space for him to capitalize. The same goes for defense where he's able to use his positioning to get the edge on his opponents for a rapid takeaway or a box out off the rush.
As we mentioned earlier, Demidov’s game isn’t limited only to offense, he has a decent understanding of the two way game as well. He’s a relentless forechecker, aggressive on the boards, and also always willing to use his high running motor to jump back into a play that leaves the zone, even if he’s right next to the net. Demidov has the most skill and raw talent out of any player in this draft, including Celebrini. Had Demidov not been demoted to the MHL due to SKA’s poor management, there is almost no doubt that he would be considered nearly neck and neck with Celebrini. As it is now, Demidov is ranked #2 on most boards, and the overall #2 in the consolidated ranking. Demidovs don’t come around often; people last year were genuinely considering whether Michkov was at Bedard’s level. Demidov rivals Michkov if not exceeds him.
You can nitpick the analysis we have of any one single aspect of Demidov. Not everyone buys analytics. Not everyone buys playmaking in a lower league. Not everyone likes irregular skating. Not everyone is on board with the MHL stat sheet, our hype etc. etc. We get it. Really, we do. But at the end of the day, when you step back and appreciate the full body of work, the comps, the analytics, the rave scouting reports, unanimous love, models, stat sheets, skill, work ethic, and more that ALL say that this kid is elite, there’s fire beyond the smoke. Demidov is THE guy. There should not be a debate at #2.
For those of you who made it to the end, thanks for reading! Ultimately we know there will be inevitable debate about a prospect, but we appreciate you hearing us out, and at least letting me, u/GoldWhale, spam the sub over the last few weeks in love of Demidov. Whether or not you agree with our analysis, we encourage you to do your own scouting, read from the authors we've included, watch through all the highlights in the linked videos, and draw your own conclusions!
We appreciate everyone in this community, and will try to answer any questions that you may have in the comments. If you so choose, please feel free to crosspost to other subs, edit, or utilize this writeup anywhere you like (forums/blogs/youtube etc.), just link back to our original post! For those in professional media who have contacted us with the hope of utilizing our writeup, feel free, again just link back to the original post as well. Thanks again!
2024.05.16 02:09 Castingnowforever I was falsely arrested in 2019 working for a company owned by a Pastor AMA
In 2019 I was working for a trucking company based out of Houston Texas. To keep it brief... The company was owned by a big time Pastor out of Houston. He hired a man who had multiple million dollar contracts, but he didn't have the trucks or the drivers to fill those contracts. The contract holder was also leasing a truck/trailer at the time, but pretending as though it was his own.
Company owner =FR
Truck owner=WC
Middle man=KT
KT is a long time conman/criminal out of the south. He was in and out of jail for several years when he decided to start truck driving. After a while however he needed more money. He wanted to run his own loads, but needed a truck/trailer. That's when he partnered with WC. WC owns multiple tractor trailer setups and he leases them to many individuals all over the country. He met KT and without prying too much into his past, he leased him a tractor trailer. WC would make a percentage of every load which kept him happy for around 8 months. That's around the time KT met FR at a party or some type of event. He was given an email for contact and in early 2019 he sent his first email to FR's company asking to become a partner, or to make a percentage for every contract he gave to FR, considering he didn't have the trucks or drivers to perform all the contracts he had. FR with dollar signs in his eyes agreed and made him a partner by April 2019.
The contract between them was officially made by FR's company Lawyer and signed in late September 2019. KT started using all of FR's company details, emails, business logos in all of his interactions from then on out. He had a problem however. He was still needing to make money to pay for his contract with WC. He would assign loads to WC's truck and find drivers through craigslist. After a few weeks to a few months of non payment however, all drivers would abandon the truck and he would have to find a new driver. Eventually that became me in October 2019.
I posted a craigslist ad looking for Repower work and KT's secretary emailed me the details. I received a phone call the next morning and I was off from Denver to pick up a loaded tractor trailer sitting in the Cheyenne WY Regional Airport parking lot. I was told the driver had a family emergency and the load was already late so I would be paid a handsome amount to deliver asap. I spent 9 days in the truck delivering 3 loads from Washington state, Boise Idaho, to Salt Lake City and then eventually going down to Gallup New Mexico to hit the I40 to drive the truck back to Houston, where I was told I would meet KT, get paid and be on a paid flight back to Denver. I was eager to get home.
On October 29th 2019 I was asleep in the back of the truck at the Pilot Travel Center in Gallup, New Mexico when I was awoken by a pounding on the passenger door. I was dressed in multiple layers as the truck had run out of fuel the day before. The Comdata Cards weren't working to put fuel in, and I was told it would be solved the following day. It was around 8 degrees outside. I was in a tshirt with my hoodie laying on me, and a pair of sweatpants under my blue jeans to keep warm. When I finally crawled to the front of the truck to open the door I was greeted by a Glock pointing at my head and told to slowly exit the truck keeping my hands up. I did as the Trooper commanded. After a brief search of the truck for damage (I had the key fob), and after showing the Bill of Ladings printed with my name and signature on them I was informed I was receiving a Felony for Possession of a Stolen Vehicle. After being "Frozen Out" to admit fault (I was ordered to stand in front of the Troopers cruiser for 2 hours in 8 degrees as he was trying to get me to admit to stealing the vehicle) I was then cuffed and brought back to the sub station for further questioning and filing. I was told everything from how stupid I was for taking the job after telling my side of the story, all the way to how I should've made my father (a 33 year retired officer) run the plate on the truck to check if it was reported stolen before getting in. Which doesn't make sense, when the truck was reported stolen THAT NIGHT.
WC was getting worried about his equipment not being insured by him, but by FR's company. He demanded his truck back on October 27th and was told by KT and FR they had NO KNOWLEDGE of any such truck. He reported it stolen the afternoon of the 29th and it was tracked by on star to my location where I was arrested. After being interrogated at the sub station and sitting handcuffed to a bench in a cell for 2 hours while the Trooper wrote his report (which just spoke about how he received a call, went directly to me, arrested me and had me in custody now.) I was then transported to McKinley Country Correctional Facility where I spent a hellish 42 hours locked in with 33 other inmates. The toilet system would backup and flood the cell soaking everyone laying on our mats with feces and urine. The food provided was absolute garbage not fit for any living person. A new inmate stole cuffs off an officer and showed everyone after a couple hours and threatened people. We also had an inmate come down from the pods (a convicted murderer there for another trial) after threatening to kill a known Ped upstairs. He was found strangling him and until they figured things out he was transported down to us. He laid down right behind me. I couldn't eat the food so I gave it to him having tupperware. He actually gave me my only phone call using his key code for the phone in the cell. My Dad told me they were bailing me out very shortly.
My bailbondsman arrived at 11pm Halloween night after taking his kids to get candy. I was taken to a motel room down the street. We stopped for my first real meal... taco bell. I was just happy to be out of there, but I ended up throwing up several time in my room and I couldn't sleep for a few days.
-Fast forward to December. My case was dismissed in pretrial.
-Fast forward to May 2020 the lawyer who took my case in Gallup in December to help me sue the State Troopers dropped me. You can see his bill boards EVERYWHERE in Gallup, NM.
-I found a new lawyer in Denver who believed me and started filing.
-We received correspondence from FR's lawyer saying he never met KT, has no knowledge of WC or the truck in question and to leave him alone.
-2 years later (FR is still saying he never knew anyone) in August 2022 we received partial discovery. FR's email. He was ordered to type in KT's name in the history bar and over 200 emails popped up. Everything from their contract created by FR's lawyer to emails such as...
"KT! You're a very very smart man. Now let's make you a VERY VERY RICH MAN!"
-Early 2023 WC settles with us and says he would be a witness for me in trial. The State Trooper received Qualified Immunity. KT still hasn't been found. FR offers a 10k settlement. We decide to go to trial.
-late 2023 we have another meeting in Houston, Tx to discuss a settlement at the court house. I am met by FR himself who was not supposed to be there. He's limping on a cane. Never made an apology. They up their settlement to 100k. I'm still wanting to go to trial, but the mediator who is the 2nd judge at the courthouse all but tells me I won't win a GD thing if I go, because of the "Good ole' boy" system in Houston. He said no matter how I feel about what happened, I'm a white veteran truck driver who got arrested... Nobody gives a sh*t and they are going to see to that.
-After 6 hours and being literally counted down by the mediator from 10 to 0 I accepted the offer.
-I started making Reno911 style Bodycam footage to help me get over things mentally. Some have received over a million views. I now live in Long Beach California.
-KT was and still has never been found. FR is still a pastor at a major church in Houston. I don't know anything about WC. The state trooper is in the news almost every other week for arresting DUI drivers in Gallup.
AMA
submitted by Castingnowforever to AMA [link] [comments]
Company owner =FR
Truck owner=WC
Middle man=KT
KT is a long time conman/criminal out of the south. He was in and out of jail for several years when he decided to start truck driving. After a while however he needed more money. He wanted to run his own loads, but needed a truck/trailer. That's when he partnered with WC. WC owns multiple tractor trailer setups and he leases them to many individuals all over the country. He met KT and without prying too much into his past, he leased him a tractor trailer. WC would make a percentage of every load which kept him happy for around 8 months. That's around the time KT met FR at a party or some type of event. He was given an email for contact and in early 2019 he sent his first email to FR's company asking to become a partner, or to make a percentage for every contract he gave to FR, considering he didn't have the trucks or drivers to perform all the contracts he had. FR with dollar signs in his eyes agreed and made him a partner by April 2019.
The contract between them was officially made by FR's company Lawyer and signed in late September 2019. KT started using all of FR's company details, emails, business logos in all of his interactions from then on out. He had a problem however. He was still needing to make money to pay for his contract with WC. He would assign loads to WC's truck and find drivers through craigslist. After a few weeks to a few months of non payment however, all drivers would abandon the truck and he would have to find a new driver. Eventually that became me in October 2019.
I posted a craigslist ad looking for Repower work and KT's secretary emailed me the details. I received a phone call the next morning and I was off from Denver to pick up a loaded tractor trailer sitting in the Cheyenne WY Regional Airport parking lot. I was told the driver had a family emergency and the load was already late so I would be paid a handsome amount to deliver asap. I spent 9 days in the truck delivering 3 loads from Washington state, Boise Idaho, to Salt Lake City and then eventually going down to Gallup New Mexico to hit the I40 to drive the truck back to Houston, where I was told I would meet KT, get paid and be on a paid flight back to Denver. I was eager to get home.
On October 29th 2019 I was asleep in the back of the truck at the Pilot Travel Center in Gallup, New Mexico when I was awoken by a pounding on the passenger door. I was dressed in multiple layers as the truck had run out of fuel the day before. The Comdata Cards weren't working to put fuel in, and I was told it would be solved the following day. It was around 8 degrees outside. I was in a tshirt with my hoodie laying on me, and a pair of sweatpants under my blue jeans to keep warm. When I finally crawled to the front of the truck to open the door I was greeted by a Glock pointing at my head and told to slowly exit the truck keeping my hands up. I did as the Trooper commanded. After a brief search of the truck for damage (I had the key fob), and after showing the Bill of Ladings printed with my name and signature on them I was informed I was receiving a Felony for Possession of a Stolen Vehicle. After being "Frozen Out" to admit fault (I was ordered to stand in front of the Troopers cruiser for 2 hours in 8 degrees as he was trying to get me to admit to stealing the vehicle) I was then cuffed and brought back to the sub station for further questioning and filing. I was told everything from how stupid I was for taking the job after telling my side of the story, all the way to how I should've made my father (a 33 year retired officer) run the plate on the truck to check if it was reported stolen before getting in. Which doesn't make sense, when the truck was reported stolen THAT NIGHT.
WC was getting worried about his equipment not being insured by him, but by FR's company. He demanded his truck back on October 27th and was told by KT and FR they had NO KNOWLEDGE of any such truck. He reported it stolen the afternoon of the 29th and it was tracked by on star to my location where I was arrested. After being interrogated at the sub station and sitting handcuffed to a bench in a cell for 2 hours while the Trooper wrote his report (which just spoke about how he received a call, went directly to me, arrested me and had me in custody now.) I was then transported to McKinley Country Correctional Facility where I spent a hellish 42 hours locked in with 33 other inmates. The toilet system would backup and flood the cell soaking everyone laying on our mats with feces and urine. The food provided was absolute garbage not fit for any living person. A new inmate stole cuffs off an officer and showed everyone after a couple hours and threatened people. We also had an inmate come down from the pods (a convicted murderer there for another trial) after threatening to kill a known Ped upstairs. He was found strangling him and until they figured things out he was transported down to us. He laid down right behind me. I couldn't eat the food so I gave it to him having tupperware. He actually gave me my only phone call using his key code for the phone in the cell. My Dad told me they were bailing me out very shortly.
My bailbondsman arrived at 11pm Halloween night after taking his kids to get candy. I was taken to a motel room down the street. We stopped for my first real meal... taco bell. I was just happy to be out of there, but I ended up throwing up several time in my room and I couldn't sleep for a few days.
-Fast forward to December. My case was dismissed in pretrial.
-Fast forward to May 2020 the lawyer who took my case in Gallup in December to help me sue the State Troopers dropped me. You can see his bill boards EVERYWHERE in Gallup, NM.
-I found a new lawyer in Denver who believed me and started filing.
-We received correspondence from FR's lawyer saying he never met KT, has no knowledge of WC or the truck in question and to leave him alone.
-2 years later (FR is still saying he never knew anyone) in August 2022 we received partial discovery. FR's email. He was ordered to type in KT's name in the history bar and over 200 emails popped up. Everything from their contract created by FR's lawyer to emails such as...
"KT! You're a very very smart man. Now let's make you a VERY VERY RICH MAN!"
-Early 2023 WC settles with us and says he would be a witness for me in trial. The State Trooper received Qualified Immunity. KT still hasn't been found. FR offers a 10k settlement. We decide to go to trial.
-late 2023 we have another meeting in Houston, Tx to discuss a settlement at the court house. I am met by FR himself who was not supposed to be there. He's limping on a cane. Never made an apology. They up their settlement to 100k. I'm still wanting to go to trial, but the mediator who is the 2nd judge at the courthouse all but tells me I won't win a GD thing if I go, because of the "Good ole' boy" system in Houston. He said no matter how I feel about what happened, I'm a white veteran truck driver who got arrested... Nobody gives a sh*t and they are going to see to that.
-After 6 hours and being literally counted down by the mediator from 10 to 0 I accepted the offer.
-I started making Reno911 style Bodycam footage to help me get over things mentally. Some have received over a million views. I now live in Long Beach California.
-KT was and still has never been found. FR is still a pastor at a major church in Houston. I don't know anything about WC. The state trooper is in the news almost every other week for arresting DUI drivers in Gallup.
AMA
2024.05.15 23:32 shaneka69 Get A Tarot Reading Today! ALL READINGS SENT SAME DAY THEY ARE BOOKED
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submitted by shaneka69 to mytarotreadings [link] [comments]
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2024.05.15 23:10 aznpersuazion Is Online Tutoring Worth it? Reviewing Online Tutoring Websites
Hello fellow tutor aspirees, side hustlers, academic extraordinaires. I’m here to give you the scoop on the various tutoring platforms, how their services work, tutoring requirements, the types of students on each platform, and of course - how much you get paid for your time.
A little about me. I’ve tutored for a few months now on the following platforms: Varsity Tutors, Wyzant, and SuperProf. I’ve had a number of students on each platform, and it’s safe to say I’ve definitely realized the pros and cons of each one.
Wyzant
Money Info: You set your hourly rate. Wyzant takes 25% of it. If you set your rate to $20/hr you get paid $15/hr.
The Requirements: Each subject you tutor you have to take a 10–20 question multiple choice test on it. The test will be beginner to intermediate questions on the subject you’ve chosen. You only have one chance to pass the test.
The Pros:
Wyzant is an easy to use platform that takes a while to build a student base. You’ll have to apply and reach out to students a lot at first before you start getting more consistent jobs. This can take a few months, so consider this before you start. The 25% fee is high, but certainly not unreasonable compared to other platforms.
Varsity Tutors
Money Info: Unless you’re tutoring GRE or LSATs, the flat rate is $15/hr, regardless of the subject. GRE and LSAT tutors make $28/hr. Varsity Tutors charges their students $50 - $75/hr.
Requirements: Most subjects do not require a test, however you do need to send in a video interview of yourself, mostly to confirm that you can speak eloquently.
The Pros:
Varsity Tutors definitely has the lowest pay amongst all the platforms. $15/hr to teach is what you can make at some retail jobs in the US. The platform can be better if you need to start making money immediately, or if you live in a country where the cost of living is lower. The amount you are paid is better for people who are teaching subjects that aren’t too difficult.
SuperProf
Money Info: You set your own rate, SuperProf takes 10%. The caveat, SuperProf charges students $39 a month to use the platform.
Pros:
SuperProf is very similar to Wyzant in that students and tutors can openly communicate and set up time with each other. The 10% fee is lower than the other platforms. But because it’s already hard to get started as a new tutor, and there are less students on the platform, it’s one of the harder platforms to build a student base.
Additional Notes
While all these platforms have their pros and cons. You can always consider tutoring independently. You do not need any licenses or business registration for tutoring in most places. Once you get a student base through Wyzant or SuperProf, you can take them off-platform and teach independently. The best part? You keep the money you work hard for.
**If you found any of this helpful, consider checking out a referral link. You get additional sign up and welcome bonuses. Signing up and using Rakuten for cash back is free!*\*
submitted by aznpersuazion to sidehustlemoney [link] [comments]
A little about me. I’ve tutored for a few months now on the following platforms: Varsity Tutors, Wyzant, and SuperProf. I’ve had a number of students on each platform, and it’s safe to say I’ve definitely realized the pros and cons of each one.
Wyzant
Money Info: You set your hourly rate. Wyzant takes 25% of it. If you set your rate to $20/hr you get paid $15/hr.
The Requirements: Each subject you tutor you have to take a 10–20 question multiple choice test on it. The test will be beginner to intermediate questions on the subject you’ve chosen. You only have one chance to pass the test.
The Pros:
- You set your own rate
- Tutors and students can freely schedule meetings on their own, rather than have someone assign you
- The user interface is better(mobile app, messaging system, teaching platform, etc)
- Students can largely vary(this can be a con too). You will get a wider range of students, who can be adults with various full time jobs.
- You are charged 25% of your hourly rate
- It’s very hard to get started as a new tutor. There are tons of tutors with a lot of reviews already.
- There are scammers(be cautious of people asking you to communicate off the platform)
Wyzant is an easy to use platform that takes a while to build a student base. You’ll have to apply and reach out to students a lot at first before you start getting more consistent jobs. This can take a few months, so consider this before you start. The 25% fee is high, but certainly not unreasonable compared to other platforms.
Varsity Tutors
Money Info: Unless you’re tutoring GRE or LSATs, the flat rate is $15/hr, regardless of the subject. GRE and LSAT tutors make $28/hr. Varsity Tutors charges their students $50 - $75/hr.
Requirements: Most subjects do not require a test, however you do need to send in a video interview of yourself, mostly to confirm that you can speak eloquently.
The Pros:
- You are assigned students after declaring interest, so you can get started tutoring within a few days.
- Students are screened so you’ll mostly get students more prepared for lessons.
- A large amount of tutors will only make $15/hr, whereas they charge $50 - $75/hr per student. This can be a huge cut, and limit on pay, especially if you’re teaching harder subjects like programming, sciences, higher level math.
- The user interface is not as great. Basic functionality is there, but the overall platform is not aesthetic.
- You are legally not allowed to take students off the platform.
Varsity Tutors definitely has the lowest pay amongst all the platforms. $15/hr to teach is what you can make at some retail jobs in the US. The platform can be better if you need to start making money immediately, or if you live in a country where the cost of living is lower. The amount you are paid is better for people who are teaching subjects that aren’t too difficult.
SuperProf
Money Info: You set your own rate, SuperProf takes 10%. The caveat, SuperProf charges students $39 a month to use the platform.
Pros:
- For tutors, SuperProf takes the least amount from your pay compared to other platforms.
- Students are generally more prepared because they are paying $39 a month to use the platform.
- The user interface is also pretty good.
- You can set your own cancellation policies
- There are less students because of the monthly subscription fee.
- It’s very hard to get started as a new tutor. There are tons of tutors with a lot of reviews already.
- You have to teach your first two lessons free.
SuperProf is very similar to Wyzant in that students and tutors can openly communicate and set up time with each other. The 10% fee is lower than the other platforms. But because it’s already hard to get started as a new tutor, and there are less students on the platform, it’s one of the harder platforms to build a student base.
Additional Notes
While all these platforms have their pros and cons. You can always consider tutoring independently. You do not need any licenses or business registration for tutoring in most places. Once you get a student base through Wyzant or SuperProf, you can take them off-platform and teach independently. The best part? You keep the money you work hard for.
**If you found any of this helpful, consider checking out a referral link. You get additional sign up and welcome bonuses. Signing up and using Rakuten for cash back is free!*\*
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2024.05.15 22:55 MisterSN95 Need Some Pointers - Underemployed Nearly a Year
I just moved to NYC in February after my wife landed a new role as an HR Manager in Manhattan. It's been a dream for both of us to move to Brooklyn for a while, but this wasn't the most ideal situation. She was laid off last year ($96k total comp) and so was I, but she found work and so we made the move. I was laid off last year making $83k total comp in Houston, TX and I managed to snag a consulting role for a small petroleum company ($50k), and got laid off shortly after by them too after they ran into some major accounting issues and laid off all new hires (HR, sales, marketing). I haven’t been able to land a new job in 8 months. We had a lifestyle built around us making $150k+ and since then we've moved out, sold half our belongings, gotten rid of all of our cars, downsized considerably, but also racked up credit card debt managing health costs without insurance and moving costs to get to NY.
I'm currently working part-time at an app development agency as a Content Marketing Associate in midtown Manhattan, but it's hardly enough to keep up with the cost of living in NYC and I can't lay the full responsibility of taking care of the household at my wife's feet, especially as we have more 2 family members moving in with us next month to finish college in NY. They'll be able to support themselves, so I'm not worried about paying for them - it's just a lot of responsibility that would be better managed if I had a full-time job.
I’ve done product marketing, social media, SEO, sales enablement, content creation and management, video production, and been in B2B SaaS, retail B2C, ERP, and app development since my first internship. Everyone I pass my resume to says it’s one of the best they’ve seen for my level of experience, including a graduate marketing professor from the University of Vermont. I have photography, graphics, video and marketing samples to provide every employer, yet … nothing.
I see ALOT of roles on LinkedIn and ZipRecruiter posting for $45-$60k and I do wonder how that’s enough for experienced applicants with 3-6 years of experience working in Manhattan, even if you lived way out in Queens bc it is NOT cheap. I apply anyways, beggers can't be choosers. But at the same time, are people really getting hired in NYC right now for marketing roles? I was told to shoot for $90-$130k for my level of experience. Alot of my friends are actually earning about $120k with some earning over $200k working as PMs and PMMs, without MBAs.
But I have been getting ghosted or outright rejected and I’ve applied to nearly 800 positions now (since last June). Initially, I was spamming applications, but then I decided to really hone in and just focus on what I'm good at and that's product and content marketing. Nearly 60 or so of my applications have been referrals so my network is pretty used up too. I've also been to maybe 10-12 tech and marketing networking events since getting here, even hanging out around NYU and Columbia's MBA students to see if they could refer me to any contacts they had from their previous roles. My network grew but nobody is actually hiring marketers.
Right now anything over $50k would help my family out with bills, even if it’s not the going rate for the city. But I’m surprised at how many people are suggesting that marketers should shoot for higher in NYC given my experience. I'll admit, I didn't enter into product marketing thinking I'd be making less than 6 figures by the time I was 5 years in but with COVID, inflation, all the stupid short-term contract roles and layoffs, yada yada yada; I'm not being picky. I just want to work for a good company, use my skillset, and provide for my family. I’m working part time as a content marketing associate for an app development agency so I’m keeping my resume up to date but it’s like an intern’s pay and like I said I’m coming up on 5 years of total experience; this current role isn't the most stimulating for me either. What can I do differently?
Also, here's my resume - destroy me or tell me what I can improve. Any help would be seriously appreciated. If anyone's in the NYC area and wants to meet up for a coffee or bagel, I'm so down at this point. I just need some help getting my foot in the door. Reddit has saved my ass a ton in the past, hoping I can find some answers here again! Thank you!!!
TLDR - I'm in NYC, working part time, with 4-5 years marketing experience, can't land a job, need some pointers. Thanks!
https://preview.redd.it/fjpjkmtain0d1.jpg?width=1700&format=pjpg&auto=webp&s=9bb6426610ef39f28ad167723269280aa96b6d84
submitted by MisterSN95 to marketing [link] [comments]
I'm currently working part-time at an app development agency as a Content Marketing Associate in midtown Manhattan, but it's hardly enough to keep up with the cost of living in NYC and I can't lay the full responsibility of taking care of the household at my wife's feet, especially as we have more 2 family members moving in with us next month to finish college in NY. They'll be able to support themselves, so I'm not worried about paying for them - it's just a lot of responsibility that would be better managed if I had a full-time job.
I’ve done product marketing, social media, SEO, sales enablement, content creation and management, video production, and been in B2B SaaS, retail B2C, ERP, and app development since my first internship. Everyone I pass my resume to says it’s one of the best they’ve seen for my level of experience, including a graduate marketing professor from the University of Vermont. I have photography, graphics, video and marketing samples to provide every employer, yet … nothing.
I see ALOT of roles on LinkedIn and ZipRecruiter posting for $45-$60k and I do wonder how that’s enough for experienced applicants with 3-6 years of experience working in Manhattan, even if you lived way out in Queens bc it is NOT cheap. I apply anyways, beggers can't be choosers. But at the same time, are people really getting hired in NYC right now for marketing roles? I was told to shoot for $90-$130k for my level of experience. Alot of my friends are actually earning about $120k with some earning over $200k working as PMs and PMMs, without MBAs.
But I have been getting ghosted or outright rejected and I’ve applied to nearly 800 positions now (since last June). Initially, I was spamming applications, but then I decided to really hone in and just focus on what I'm good at and that's product and content marketing. Nearly 60 or so of my applications have been referrals so my network is pretty used up too. I've also been to maybe 10-12 tech and marketing networking events since getting here, even hanging out around NYU and Columbia's MBA students to see if they could refer me to any contacts they had from their previous roles. My network grew but nobody is actually hiring marketers.
Right now anything over $50k would help my family out with bills, even if it’s not the going rate for the city. But I’m surprised at how many people are suggesting that marketers should shoot for higher in NYC given my experience. I'll admit, I didn't enter into product marketing thinking I'd be making less than 6 figures by the time I was 5 years in but with COVID, inflation, all the stupid short-term contract roles and layoffs, yada yada yada; I'm not being picky. I just want to work for a good company, use my skillset, and provide for my family. I’m working part time as a content marketing associate for an app development agency so I’m keeping my resume up to date but it’s like an intern’s pay and like I said I’m coming up on 5 years of total experience; this current role isn't the most stimulating for me either. What can I do differently?
Also, here's my resume - destroy me or tell me what I can improve. Any help would be seriously appreciated. If anyone's in the NYC area and wants to meet up for a coffee or bagel, I'm so down at this point. I just need some help getting my foot in the door. Reddit has saved my ass a ton in the past, hoping I can find some answers here again! Thank you!!!
TLDR - I'm in NYC, working part time, with 4-5 years marketing experience, can't land a job, need some pointers. Thanks!
https://preview.redd.it/fjpjkmtain0d1.jpg?width=1700&format=pjpg&auto=webp&s=9bb6426610ef39f28ad167723269280aa96b6d84
2024.05.15 22:43 vampiregirl4 Can I get the BAPP 60k Offer AND the Amex Gold Preferred Rewards 30k Referral at the same time?
Hi all,
I intend to sign up for the BAPP 60K card promo through BA AND the Amex Gold Membership Rewards card with a 30k Referral link.
From some online research I understand that this should be accepted by Amex as they are in two different Amex 'families'.
My questions are
1) Does anyone know how soon I can apply for one after the other?
2) Can I close either account after I reached the minimum spend, claim the points, and keep the points?
3) Should I get both cards now to max out on points, or get the Gold a year later?
4) Does anyone actually use the companion voucher?
Many thanks
submitted by vampiregirl4 to AmexUK [link] [comments]
I intend to sign up for the BAPP 60K card promo through BA AND the Amex Gold Membership Rewards card with a 30k Referral link.
From some online research I understand that this should be accepted by Amex as they are in two different Amex 'families'.
My questions are
1) Does anyone know how soon I can apply for one after the other?
2) Can I close either account after I reached the minimum spend, claim the points, and keep the points?
3) Should I get both cards now to max out on points, or get the Gold a year later?
4) Does anyone actually use the companion voucher?
Many thanks
2024.05.15 22:35 WCInvestor A Physician Disability Insurance Primer - Do You Really Need It?
 | The greatest financial risk for physicians is losing the ability to turn the knowledge and skills you spent a decade learning into a huge pile of money by working in your profession for decades. There are risks that could show up in your life that would prevent you from being able to accomplish this task. One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career. While many imagine this will occur in a sudden traumatic accident, medical illness is actually a more common cause of disability that prevents a doctor from working. Physician disability is a complicated type of insurance. This post will give you the “must-know” information to secure the best protection and help you avoid common disability insurance mistakes. submitted by WCInvestor to whitecoatinvestor [link] [comments] TL;DR: Key Takeaways: What Doctors Need to Know About Disability Insurance
What Is Disability Insurance?Disability insurance gives you an income to live on if you become so disabled that you can no longer work.If you become disabled, a long-term disability insurance policy pays a predetermined amount each month until you either recover from your disability or reach age 65-67. (Note: Policies vary. It is possible to buy a policy that pays to age 70 or even, for a very high premium, until death). Why Do Physicians Need Disability Insurance?One out of seven doctors end up having to use their disability insurance. Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face. Your most valuable asset is your ability to work.How Does Disability Insurance Work?Disability insurance is a pretty straightforward proposition. You buy a policy and pay your premium monthly or annually. If you become disabled, you (and your doctor) fill out the paperwork to prove it to the satisfaction of the insurance company and then they pay you the promised monthly benefit until you either recover from your disability or the insurance company meets its contractual obligation to pay the benefit.Short-Term vs. Long-Term DisabilityDisability insurance is most commonly divided into short-term and long-term.Short-Term DisabilityA short-term disability policy generally begins paying just as soon as you get disabled and then pays for a maximum period of 3-24 months. These policies are often provided by an employer as an employee benefit. Short-term disability, while inconvenient financially, is not generally a financial catastrophe for a physician saving for retirement with an emergency fund. As a result, many doctors do not buy short-term disability policies at all.Long-Term DisabilityA long-term disability policy generally does not pay immediately, but only begins to pay after a waiting period ranging from 1-24 months (typically 3 months). Then, the policy will continue to pay you a benefit each month until age 65, 67, or 70, depending on the policy. Note that a 3 month waiting period typically means your first check won't come until the end of the first month after the 3 months, so it's really a 4 month waiting period. Since losing your ability to earn a living for the rest of your life is a financial catastrophe, any doctor who is not financially independent should buy a long-term disability insurance policy.What Does Disability Insurance Cover?Disability insurance covers all kinds of disabilities. The best (and unfortunately most expensive) policies cover the widest range of potential disabilities.The Definition of DisabilityThe most important feature is the definition of disability. Disability insurance differs from life insurance in numerous ways, but none is more significant than in defining exactly when you become disabled (and when you become enabled again). The broader the definition of disability you get in your policy, the more the policy will cost.Unlike life insurance, where life and death are pretty black and white, disability has 50 shades of gray. You want a policy with a strong, broad definition of disability that will cover any possible type of disability? That means “true own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others. Even among the “Big 5,” there are slight differences. It is OK not to purchase the policy with the very best definition of disability, but the weaker the definition, the bigger the discount you should expect. Own-Occupation, Specialty-SpecificProbably the most important aspect of the definition for doctors is that it be specific to your occupation. For instance, if I lost my left thumb, there are a number of procedures in emergency medicine that I could no longer do. I would be completely disabled from managing a busy emergency department by myself. But I could probably still go do urgent care work. A specialty-specific definition of disability in my policy would provide me with my full disability payments in addition to the money I make at the urgent care. Sometimes, the “specialty-specific” clause is inherent to the policy, and at other times it is an additional rider (a piece of paper added to the policy for which you pay an additional premium). Either way, you almost surely want to get this in your policy. Here are the various definitions, starting with own occupation and progressing to any occupation.Own-Occupation DefinitionUnder this definition, your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field and make as much money as you want.Own-occupation policies cover people based on the occupational duties they are performing at the time of claim. If your policy includes an own-occupation definition of total disability and you are exclusively performing the customary duties of your medical specialty or sub-specialty at the time of the claim, the policy will cover you when unable to perform your specialty or sub-specialty. If you have transitioned into a different role or expanded into a new career path that requires much less direct patient contact or procedural duties, you may no longer be considered totally disabled when unable to work in your specialty or sub-specialty. This is because your “occupation(s)” involves additional material and substantial duties, no longer limited to the performance of your medical specialty or sub-specialty. In these instances, you may be considered partially disabled or not disabled at all, depending on the exact circumstances. Transitional Own-OccupationYour policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field. But if you exceed your previous income while you now work in another field, your monthly benefit from the policy would likely be lowered.Modified Own-OccupationYour policy will only pay if you can't work in your occupation/specialty AND if you are not working in another field. This definition is also sometimes called “Own-Occupation, Not Engaged” or “Own-Occupation, Not Working.”Any-OccupationYour policy will only pay if you cannot work in any occupation based on education, training or experience. Note that some policies are own-occupation for a couple of years and then transition to any-occupation.One company out there (Northwestern Mutual) sells a policy with a definition that they claim is BETTER than own-occupation. They call it Medical Own-Occupation, but in reality, it is just a form of modified own-occupation. Learn more about the NML Medical Own-Occupation Definition. Do You Really Need an Own-Occupation, Specialty-Specific Policy?Some non-procedural physicians argue that they might not need a true own-occupation policy. They reason that if they are so disabled that they cannot practice their specialty, they probably cannot do anything else. So, they accept a less broad definition of disability to save some dollars on the premium. If you choose to do this, make sure you understand the exact circumstances under which your policy will and will not pay out.Mental Disorders/Substance AbuseMany policies will only cover mental illness or substance abuse-related disabilities for a period of two years. I know an attorney who couldn't practice law after developing bipolar syndrome in his 30s. It took over a decade to get it under control. He had a policy that covered mental illness indefinitely, which prevented financial catastrophe from striking him and his family.According to the April 2011 issue of Current Psychiatry Magazine, physicians are not immune to depression and have an increased risk of suicide. Additionally, the lack of distinction between a psychiatric diagnosis and impairment stigmatizes physicians and impedes treatment. You'll need to decide whether this is a risk you're willing to run. If you want mental illness covered like every other illness, you'll be paying more. Presumptive Total DisabilityAs you well know, disability can be defined in many shades of gray. In the event of your disability, you can expect a paperwork fight between you, your physician, the disability insurance company, and maybe even your attorney. However, most policies contain a section that defines “presumptive total disability” where you can be assured there won't be much arguing from the insurance company. Even better, the waiting period will be waived and you'll start getting payments right away.Anything short of that, and you're going to have to get your doctor to certify your disability and get the insurance company to accept it. At times, this can involve visits to multiple specialists and even hiring an attorney. Note that with some companies, presumptive disability does not need to be permanent. Cosmetic Surgery/Transplant SurgerySome policies will cover you if your disability is the result of cosmetic surgery or the result of donating a kidney or other body part to someone else. Others will not. Best to read your policy carefully and know what it does and does not cover.Disability Insurance Exclusions & LimitationsDisability insurance policies generally exclude any medical conditions you have at the time of applying for insurance. For example, if you already have chronic back pain, the policy will not provide a benefit if you are disabled due to a back condition. In addition, if you admit to participating in dangerous activities such as scuba diving, rock climbing, flying, and sky-diving, the policy will likely be issued with a rider that excludes those activities from coverage. Other exclusions may also apply, such as acts of war, normal pregnancy, and foreign travel. Here is a list of common exclusions:
Residual DisabilityResidual disability refers to being only partially disabled. This may occur from the initial injury or illness or be part of the process of recovery. You generally need to buy an additional rider to cover this. Read this rider carefully, it can be a bit complicated.Imagine developing painful lumbar radiculopathy that keeps you from working more than 20 hours a week. This is the part of your policy that will cover that. This rider will also explain how much you get if you are partially disabled. My old policy says it pays the whole benefit (total disability) if I can't earn at least 20% of my “indexed prior monthly earnings,” which is basically the money I earn at my job. It doesn't count my investments, other disability income policies, rent from a rental property, or my nonvocational activities. It doesn't pay anything if my earnings aren't reduced at least 20%. If I am making between 20%-80% of what I made previously, I get the total disability benefit times the ratio of my loss of income for that month divided by my indexed prior monthly earnings. Note that with some companies, the partial disability rider will kick in at 15%. Some contracts use “or” in the contract and others use “and” in the contracxt. For instance, a stronger policy would trigger the partial disability rider if you had a loss of income or a loss of time or a loss of duty whereas a weaker contract would require loss of income and loss of time and loss of duty where all of those triggers must be met. Partial Disability vs. Residual DisabilityPartial disability and residual disability are generally considered to be the same thing, but there is a technical difference at some companies. For example, at one company, a partial disability rider requires total disability during the elimination period and the residual disability rider does not. With another company, partial refers to the disability, such as one that only affects one part of the body (such as one arm), while residual refers to a decrease in earnings. Either way, the key is to understand how the residual/partial rider works in the policy you actually purchase.Recovery BenefitsA physician should consider a contract that will continuing paying them a portion of their benefits upon recovery from a disability if their income continues to be down at least 15%-20%. Most carriers will pay a recovery benefit for the benefit period although one only pays for 12 months. This is especially important for practice owners. Think if a dentist were to be disabled for 6 months and then recovers and goes back to their practice. Many of their patients may have gone elsewhere because the dentist sees his patients twice a year. It could take several years to get back to where he/she was at before becoming disabled.Recommendations for Physicians on Disability Insurance RidersHere's an easy cheat card to help you know at a glance what we think about all of the various riders available.https://preview.redd.it/akf6t5iqfn0d1.png?width=800&format=png&auto=webp&s=3f8b415d0101d729fdfa51bc9147993309147d75 Who Needs Disability Insurance?Nearly every high-income professional in their first decade or two out of school should own a policy. Your most valuable asset is your ability to work. So, if you do not own a disability insurance policy, you need to go get one, now. If you have an income, it's time to buy a policy, even if money is tight as a resident. The only exception is if you do not rely on your income to live. If you are already financially independent, it's OK not to buy disability insurance. However, even if you are frugal and married to another high earner, you may wish to still have a policy. You could both become disabled, or you could become divorced.How Much Physician Disability Insurance Do I Need?As a resident, you typically cannot afford to buy as much as you need, but you should be able to do so even as a brand-new attending. Basically, you need to buy enough disability insurance to cover both your living expenses and your retirement savings if you were to work to age 65 but not your taxes. Physician disability insurance payouts are generally tax-free since they are usually paid with post-tax dollars.Note that how much you need has little to do with your income and everything to do with what you spend. The less you spend, the less insurance you need to buy. Insurance agents would love to sell you the largest possible policy (which usually works out to be about 2/3 of your gross income, but it is possible to combine two companies to get even more), so you'll need to decide how much you need on your own. Resident physicians typically buy a $5,000 per month benefit and attending physicians typically buy a benefit in the $10,000-$15,000 per month range, but there are plenty of docs who buy both more and less. If your plan in the event of disability is to rely on the income of your spouse, you may not need disability insurance at all. Average Cost of Disability Insurance for PhysiciansUnlike cheaper insurance policies like term life and umbrella policies, physician disability insurance is expensive, although not quite as expensive as your malpractice insurance. The reason it costs so much is it actually gets used. The likelihood of you acquiring a long-term disability during your working years is approximately seven times as high as your risk of dying in those years. A typical policy bought on a healthy doc in their 20s or 30s will cost something between 2%-6% of the benefit. If your monthly benefit is $10,000, expect to spend $200-$600 per month for that. Perhaps the sticker shock you get upon being quoted prices will motivate you to reach financial independence as soon as possible so you can cancel the policy.Graded vs. Level PremiumsOne way to save money on your policy is to get graded premiums. Not all policies offer this feature, but those that do will charge you less in the first few years and more in later years. Level premium policies charge you the same amount in premium every year. A graded premium policy accounts for the fact that you become more likely to become disabled as you go through life. However, it can be very beneficial to you because your need for insurance actually falls continually throughout your career as your build your retirement nest egg.Once you become financially independent, you can drop the insurance completely. This is a good idea since the total benefits a policy could potentially pay are also dropping throughout your life (since the policy will generally only pay until you are in your mid- to late-60s). Many white coat investors who are great savers hit financial independence by mid-career. If you are one of those, you are likely to come out ahead using graded premiums instead of level premiums. What Disability Insurance Discounts Are Available for Doctors?Like other types of insurance, disability insurance is sold by agents who are paid commissions by the insurance companies to sell their products. It is a very competitive business. The insurance companies want agents, especially the independent agents you should be buying from, to preferentially sell their products. To incentivize the agents, they offer discounts that are only available through certain agents. Experienced, high-volume agents can often provide you with the same policy at a cheaper rate than a newer, lower-volume agent. Thus, it pays to use an experienced agent and shop around with two or three of them. Nearly every doctor should qualify for some type of discount on their policy—10%-30% premium discounts are not unusual. Types of discounts include:
How Do I Buy Disability Insurance?The key to physician disability insurance is the independent agent. The agent is going to be paid a great commission by the insurance company no matter which policy you choose. Assuming policies with similar benefits, the commission isn't going to be all that different. Plus, these agents get plenty of business and none of them are starving, so they have little incentive to sell you an inferior policy for a slightly higher commission. Their reputation is worth far more than a few extra dollars in commission. Since you are (indirectly) paying the agent a very nice commission, don't feel bad about using their time and expertise to fully understand this complicated product.For most doctors, this is a purchase that is only done once or twice in their life. Have the agent quote you different physician disability policies from each of the “Big 5” companies and show you the strengths and weaknesses of each. If you have a policy from work or your professional association, bring it in with you and have it included in the comparison. Then, you can know you made an educated decision and you can buy it and forget about it. Also, be sure to ask for a discount. The vast majority of doctors will qualify for a 5%-30% association or employer-related discount, and a top-notch agent will help you get that. What Type of Disability Insurance Should I Buy?There are two main types of disability policies: individual policies and group policies. As a general rule, individual policies have stronger definitions of disability. Many group policies are not own-occupation policies. Individual policies are also portable, in that you can change jobs and take them with you.Individual Disability PolicyThere are a number of benefits of an individual policy. The main one is that you are in control of all the details. You get to choose how much insurance you want to pay for. You get to choose which of the bells and whistles you are going to pay for. The policy is also “portable,” meaning you still have it if you change employers (or if your employer just decides to change the policy). As a general rule, the policy is also “stronger,” meaning it is more likely to actually pay you if you get disabled.Group Disability PolicyA group policy provided by your employer is usually not portable, although sometimes you are allowed to take over the entire premium and take it with you. Group policies also frequently have premiums that increase every year or every five years, whereas an individual policy usually has level premiums. Group policies paid for by your employer may also pay a taxable benefit, rather than the tax-free benefit provided by an individual policy. Aside from the lower cost, the main benefit of a group policy is that it may be easier to qualify for. It may not require any sort of medical exam or blood work, and it may not ask any pesky questions about your medical conditions and dangerous hobbies such as rock climbing, skydiving, scuba diving, or flying.How to Compare Disability Insurance PoliciesThe most important feature is the definition of disability. You want a policy with a strong, broad definition of disability that will cover any possible type of disability. That usually means “own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others.Since disability is complicated, disability insurance policies are complicated. There are dozens of differences from one policy to another, making them difficult to compare. Use your independent agent for recommendations on what matters most. Just for an example, take a look at this chart of all the differences you could see between one policy and another. When to Buy Disability Insurance?You should buy disability insurance just before you become disabled. Since you don't know when that time could be, earlier is generally better. However, disability insurance is also expensive, and when you are young and poor, you have lots of other great uses for your money. A good compromise is to buy a small policy as you enter residency and then upgrade to a more robust disability insurance plan just before leaving residency. The younger you are, the healthier you are, and the fewer dangerous hobbies you engage in, the cheaper your premiums will be for the same benefit.Best Disability Insurance for PhysiciansI keep a list of those I consider the best disability insurance agents in the country. Save yourself the work of finding a good one you can trust and use the same agents that have been used by thousands of WCI readers in the past. You do not need someone local that you can sit down across the table from. It is better to have someone who has sold policies to hundreds of docs this year working with you by phone, Skype, Zoom, and email than someone you can sit down with who has only sold four policies. In addition, if there is some issue with one of these agents, I can usually help you resolve it quickly.Information in this space rapidly changes. While we try to keep The White Coat Investor website as up-to-date as possible, our recommended agents are going to be our best source for updated information. I cannot emphasize how strongly I suggest you use them, whether buying your first policy or simply reviewing what you already have. |
2024.05.15 22:32 shaneka69 Get A Tarot Reading Today! ALL READINGS SENT SAME DAY THEY ARE BOOKED
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2024.05.15 22:30 aznpersuazion Artificial Intelligence is NOT a Good Career
As with most things, the opinions expressed in this post are my own. Consider this as just one data point, and not as a guide to your career.
I've been working in the Data/AI space for 5 years now and I've seen hundreds of starry eyed people wanting to work in A.I. because they want to work with the latest and coolest cutting edge technology. But I want to share with you a few reasons why A.I. is not a good career choice.
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submitted by aznpersuazion to dataengineeringstuff [link] [comments]
I've been working in the Data/AI space for 5 years now and I've seen hundreds of starry eyed people wanting to work in A.I. because they want to work with the latest and coolest cutting edge technology. But I want to share with you a few reasons why A.I. is not a good career choice.
- A.I. positions could end up like the "data scientist" position. Looking at the history of the data scientist position, in 2010-2020, the hype around data science made it so that millions of people flocked to that position. Companies eventually realized that most them actually didn't need data science, and the impact of the position didn't always help them profit. The demand of the job has plummeted in recent years, leaving millions of aspiring data scientists unemployed or needing to pursue a different career.
- A.I. positions will be less than .0001% of tech engineering jobs. In the next few decades, the demand for software and data engineering roles will be much more needed at most companies that A.I. roles. Only a small group companies will a be pursuing A.I. initiatives, while the majority of companies will still need software and data engineers. But because 90% of tech news is A.I. related, there will be a massive influx of people trying to enter the space.
- The barriers to entry are huge. To pursue a career in A.I. and machine learning. A person's understanding of statistics and software engineering need to be extremely high. To get to that level of knowledge requires much more dedication and studying than most people imagine. Becoming a decent software engineer or data professional is already difficult for the average person.
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2024.05.15 21:36 Fit_Suggestion_4829 Ambetter Health helping themselves to my money without me knowing.
I had an emergency debit card from a bunch of work I did in a factory 5 months ago. During that time I was seeking Health Coverage and was going through the Health Market place to enroll and was moments away from enrolling into a plan with Ambetter Health. I got to the point where I was entering in my debit card info and was making my first payment to enroll me in. But I decided to back out and just go without health insurance until I find a way to get back on Medicaid as I was before. My first payment didn’t go through and I received my $ back into my account. Now 5 months later, I’ve been back on Medicaid for a few months now and was laid off from the factory and was saving the debit card for absolute emergencies. Well an emergency arose and I went to check the account where upon my surprise it was empty! I should have $300 or so in there so I was stunned. I look back at my statements to see that once a month for 5 months Ambetter Health has just been taking $59.00 without my approval. I was not getting any updates or emails or paper mail regarding this! So I call Ambetter and come to find out that I have been Auto-enrolled into their Health Program but I could not cancel because it was enrolled by then and they didn’t have my Debit Card info. I had to call the Health Market Place and cancel with them as apparently they decided to just automatically enroll me in this Health Coverage after that first attempt 5 months ago where I didn’t follow through. They cancelled it on their end and now I try to figure out how to get my money back from Ambetter. I never went to the Doctors although I desperately needed to and should have on many occasions, I have denture problems, the whole nine yards but roughed it out until I got back on Medicaid. Trying to communicate with the Agents at Ambetter is a mission in of itself and a headache trying to figure out the English over their strong Indian Accents. I filed with them a cancellation that won’t take place for another month! And they told me all I can do is request a refund from the most current month since I didn’t use their services but all prior months are already too late and I’ll only receive a $35 refund for this month. Now I finally receive my first notice of a bill in the mail a week later stating that I owe $59 before the end of this month and that they are trying to still get my money! What can I do about trying to obtain my $ or is it just a lost cause and more stress just trying to communicate with various Indian agents over the phone that get me know where…
submitted by Fit_Suggestion_4829 to HealthInsurance [link] [comments]
2024.05.15 21:32 shaneka69 Get A Tarot Reading Today! ALL READINGS SENT SAME DAY THEY ARE BOOKED
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2024.05.15 20:55 Consistent_Major5514 I (28F) got back together with my ex (28M) after a year and I'm having the same nervous feelings I did a year ago. Am I just nervous about committing or am I nervous that I'm not "in love"?
First post. Sorry if it's long. Short story, I wanted my ex back, he's moving half way across the country for me, he's doing anything in his power to make me happy, but I'm now nervous and unsure. Can't pin point why. Commitment issues or difficult to understand what love is...?
Story time. My boyfriend and I have been together since we were 21. We were together for 5 years. During this time I did travel nursing and actually broke up with him after a few months on my first assignment. I don't know exactly why I did it, but I think I just felt this freedom, independence, and call for adventure that I didn't want someone holding me back. But, once I came back home I realized I wanted him back in my life.
After 2 more years and me traveling again, I started having these gut feelings that something wasn't right. I wanted him to travel with me, and take a part time job while he did school, I even offered to pay for rent and everything, but he declined because his job was steady. We started arguing a bit more. I felt like I wasn't doing anything adventurous with him except for the times I had him visit me on my assignments. I mostly felt happy when I was doing my travel assignments. He also was continuously getting his bachelor's but was consistently failing his online classes and even got academically suspended once. This and our apartment never being organized made me bat shit crazy. Oh and btw I was coming home a lot in between my assignments and did do a contract at home for 9 months so we lived together still.
I ended it last year because I decided to take another contract, and the plan was for him to move with me. I think it made me super nervous, and with my gut feeling of "something isn't right" I called it off. I told him that something wasn't there, he was making these promises of finishing school and never following through... I was just so sick of it. We remained civil and we did continue to live together for a bit before he got a new apartment and before I moved out. I even came back a couple of months later to see a concert with him, which was dumb of me. I just didn't want to lose him completely.
A year later, and a year of me dating around and having fun, I realized I missed him. I would compare everyone to him. I also always had this voice in my head saying, *hey if nothing works out, call him because he's always there for you and he'll get his shit together and you guys are meant to be*. This man loves me, almost overwhelmingly loves me. I hate to say "I can't see anyone loving me this much" because I know someone can....but his love is so unconditional. Anyway, long story short, I called him, he visited me, we had a great time, so we decided to think about him moving here!
Our communication improved greatly and I did see a lot of changes in the way we handled things, like disagreements or issues with expectations. We started talking seriously...about school and our financial situations. School wise...he did a couple of classes in that year that we were separated, but I thought he would have graduated by now, especially with me being out of the picture and not nagging at him to finish. Financially (we never talked much about this and I think it was one of the reasons it was hard to feel ready to commit in those 5 years prior) ... he wasn't doing too hot. He works a decent job and never takes a day off, but doesn't know how to save?? We went over our bank accounts and credit cards to make sure we're doing okay and he's in debt. It's not a ton...but I'm over here with a fabulous 401K, investments, great savings account (at least I feel like it, as a nurse and 28 y.o.). Basically enough to buy put a down payment on a house and still have more than enough left.
Learning about this and his school freaked me out. I expected him to just have improved throughout the last year. It's not like he's completely "broke", lazy, or not a hard worker. I think he just spends his money on like...food deliveries to his work and rent obviously went up when I had to leave. He also told me the 6 months after I left was devastating and he just recently started feeling better and improving.
He's pretty much got a job on lock working for the city here. He's excited about a new move, but I'm worried that his career goal is going to be hindered even more because this new just is going to be night shift and he's going to have even less time to do homework. I'm also feeling that same "something isn't right feeling". I think that at this point I should feel ready to be married! I've known him my whole adult life basically! But the money issue scares me, because I obviously want a family and I'm worried he doesn't / will not have enough money for that.
We make basically the same annually. I feel a little selfish for these feelings that I have. I feel like I'm a gold digger or pretentious. I just think, wow I could have just held off a found someone that made 150k... or more... and I would've felt safer. Or, I should've waited another year or 2 before calling him to make sure he worked on himself more with school etc.
This is a big deal. He's moving half way across the country and I can't figure out if it's just me being scared about committing or me not loving him enough?? I love him, I care for him, but sometimes I get confused about what love even is. It also scares me because I know he loves me more than I love him. He knows it too, but doesn't care. As long as I love him enough for him to feel loved.
Anyway, there's a few other issues. Like, him not taking care of his health and gaining weight, but that was when he broke his leg a while back and he's worked on getting more fit lately. He also is more of a homebody than I am, so that frustrates me because I love going on adventures and my goals in life are to travel as much as I can. Sometimes I wish that he was someone that would initiate those things more, but I just have to realize it's okay that I can be the initiator as long as he enjoys the activities with me!
FML. I'm also looking into therapy to help me out, but next available appointment is 3 months away and Betterhelp is $200/month. No thanks.
submitted by Consistent_Major5514 to relationship_advice [link] [comments]
Story time. My boyfriend and I have been together since we were 21. We were together for 5 years. During this time I did travel nursing and actually broke up with him after a few months on my first assignment. I don't know exactly why I did it, but I think I just felt this freedom, independence, and call for adventure that I didn't want someone holding me back. But, once I came back home I realized I wanted him back in my life.
After 2 more years and me traveling again, I started having these gut feelings that something wasn't right. I wanted him to travel with me, and take a part time job while he did school, I even offered to pay for rent and everything, but he declined because his job was steady. We started arguing a bit more. I felt like I wasn't doing anything adventurous with him except for the times I had him visit me on my assignments. I mostly felt happy when I was doing my travel assignments. He also was continuously getting his bachelor's but was consistently failing his online classes and even got academically suspended once. This and our apartment never being organized made me bat shit crazy. Oh and btw I was coming home a lot in between my assignments and did do a contract at home for 9 months so we lived together still.
I ended it last year because I decided to take another contract, and the plan was for him to move with me. I think it made me super nervous, and with my gut feeling of "something isn't right" I called it off. I told him that something wasn't there, he was making these promises of finishing school and never following through... I was just so sick of it. We remained civil and we did continue to live together for a bit before he got a new apartment and before I moved out. I even came back a couple of months later to see a concert with him, which was dumb of me. I just didn't want to lose him completely.
A year later, and a year of me dating around and having fun, I realized I missed him. I would compare everyone to him. I also always had this voice in my head saying, *hey if nothing works out, call him because he's always there for you and he'll get his shit together and you guys are meant to be*. This man loves me, almost overwhelmingly loves me. I hate to say "I can't see anyone loving me this much" because I know someone can....but his love is so unconditional. Anyway, long story short, I called him, he visited me, we had a great time, so we decided to think about him moving here!
Our communication improved greatly and I did see a lot of changes in the way we handled things, like disagreements or issues with expectations. We started talking seriously...about school and our financial situations. School wise...he did a couple of classes in that year that we were separated, but I thought he would have graduated by now, especially with me being out of the picture and not nagging at him to finish. Financially (we never talked much about this and I think it was one of the reasons it was hard to feel ready to commit in those 5 years prior) ... he wasn't doing too hot. He works a decent job and never takes a day off, but doesn't know how to save?? We went over our bank accounts and credit cards to make sure we're doing okay and he's in debt. It's not a ton...but I'm over here with a fabulous 401K, investments, great savings account (at least I feel like it, as a nurse and 28 y.o.). Basically enough to buy put a down payment on a house and still have more than enough left.
Learning about this and his school freaked me out. I expected him to just have improved throughout the last year. It's not like he's completely "broke", lazy, or not a hard worker. I think he just spends his money on like...food deliveries to his work and rent obviously went up when I had to leave. He also told me the 6 months after I left was devastating and he just recently started feeling better and improving.
He's pretty much got a job on lock working for the city here. He's excited about a new move, but I'm worried that his career goal is going to be hindered even more because this new just is going to be night shift and he's going to have even less time to do homework. I'm also feeling that same "something isn't right feeling". I think that at this point I should feel ready to be married! I've known him my whole adult life basically! But the money issue scares me, because I obviously want a family and I'm worried he doesn't / will not have enough money for that.
We make basically the same annually. I feel a little selfish for these feelings that I have. I feel like I'm a gold digger or pretentious. I just think, wow I could have just held off a found someone that made 150k... or more... and I would've felt safer. Or, I should've waited another year or 2 before calling him to make sure he worked on himself more with school etc.
This is a big deal. He's moving half way across the country and I can't figure out if it's just me being scared about committing or me not loving him enough?? I love him, I care for him, but sometimes I get confused about what love even is. It also scares me because I know he loves me more than I love him. He knows it too, but doesn't care. As long as I love him enough for him to feel loved.
Anyway, there's a few other issues. Like, him not taking care of his health and gaining weight, but that was when he broke his leg a while back and he's worked on getting more fit lately. He also is more of a homebody than I am, so that frustrates me because I love going on adventures and my goals in life are to travel as much as I can. Sometimes I wish that he was someone that would initiate those things more, but I just have to realize it's okay that I can be the initiator as long as he enjoys the activities with me!
FML. I'm also looking into therapy to help me out, but next available appointment is 3 months away and Betterhelp is $200/month. No thanks.
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submitted by shaneka69 to mytarotreadings [link] [comments]
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submitted by shaneka69 to mytarotreadings [link] [comments]
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2024.05.15 19:32 unknownlabyrinth If only I could hold you.
 | Elsa said you were made in Loki's image. That's why Shazam, Lilith, Elsa, and Aladdin says he chooses you to start planning how people who annoy hulu and Disney end up gutted wishing to be reborn as intended by god living amoung us.♟️☯️🖕❄️🦊🔥 I'll show you all what a champion look like on hulu, once I figure out why I can't log in when gold runs try and the world's bleeds for my Simba. Kings position known. Kings position acquired after restoration by Knonivore. Shazam shall live on so long as Disney dies Young wishing it could chase tail, even the CIA knows it. Not that the keys of Disney ever implied that the 4 keys of safety was just a medical building we couldn't get out of after comparing the business card to eyes that matched. Human tracking detected. My mother says to keep count, otherwise that circular saw you passed through Shazam off screen means he won't be able to get rid of that boat or submarine any time soon. Not that it stopped Shazam from getting rid of it in Brazil when you tried entering last year.🐸☯️ submitted by unknownlabyrinth to u/unknownlabyrinth [link] [comments] |
2024.05.15 18:32 shaneka69 Get A Tarot Reading Today! ALL READINGS SENT SAME DAY THEY ARE BOOKED
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submitted by shaneka69 to mytarotreadings [link] [comments]
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2024.05.15 17:50 seeldoger47 [H] $1000 Amazon GC(s) $500 eBay $500 Apple [W] Western Union, LTC, Wise [H] PayPal, Cashapp, LTC, Apple Pay, Varo, Venmo [W] All Your Gift Cards
Warning: I will not message you first. If you were messaged by someone claiming to be me you are in the process of being scammed.
You can download the WesternUnion app and send the payment from your phone and I will pay the fees.Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
- Type of card(s) and amount of each.
- What payment method you accept.
- How you acquired the GC and why you're getting rid of it.
I only have Steam as a substitute for cash payments in gift card trades.
| Want ↓ | Cash or a Gift Card ↓ | Crypto4 ↓ |
|---|---|---|
| Apple | 60%3 | NA |
| Amazon.ca | 50% | 50% |
| Amazon.co.uk | 50% | 50% |
| Amazon.com | 70% | 55% |
| Amazon.de | 50% | 50% |
| Amazon.es | 50% | 50% |
| Amazon.fr | 50% | 50% |
| Amazon.it | 50% | 50% |
| Amazon.jp | 30% | 30% |
| Arrow Films | 65% | 60% |
| Barnes & Noble | 50% | 50% |
| Baskin Robbins | 60% | 60% |
| Best Buy | 25% | 25% |
| BJ's (not BJ's restaurant)3 | 60% | NA |
| Bloomingdales | 50% | 50% |
| Burger King4 | 60% | NA |
| Clothing Shops (Small Boutique) | contact me | contact me |
| Dell3 | 60% | NA |
| Delta gift cards3 | 65% | NA |
| Delta Sky Miles3 | PM me | NA |
| Delta Vouchers3 | 65% | NA |
| Dicks Sporting Goods 3 | PM me | NA |
| Disney Plus | PM me | PM me |
| Dunkin Donuts3 | 60% | NA |
| eBay | 70% | 70% |
| Fandango3 | 10% | NA |
| Five Guys3 | 60% | NA |
| Gamestop | 60% | 60% |
| Gas Station Cards3 | PM me | NA |
| Gyft | 70% | 70% |
| Half Price Books | 50% | 50% |
| iTunes3 | 60% | NA |
| J crew | 40% | 40% |
| JCPenney | 25% | 25% |
| Jersey Mike Subs3 | 60% | NA |
| KFC3 | 60% | NA |
| Khols | 30% | 30% |
| Macys | 35% | 35% |
| Magazines.com | 40% | 40% |
| McDonald's 3 | 60% | NA |
| Microsoft3 | 60% | NA |
| Moe’s Southwestern Grill3 | 60% | NA |
| Nintendo Eshop3 | 70% | NA |
| Nordstrom | 50% | 50% |
| Panera bread3 | 60% | NA |
| PSN3 | 60 | NA |
| PSN Plus 12 month3 | NA | NA |
| Saks Fifth Avenue | 50% | 50% |
| Sears | 50% | 50% |
| Sephora | 50% | 50% |
| Speedway (must be able to use on fuel)3 | 80% | NA |
| Staples | 50% | 50% |
| Starbucks US only | 55% | 55% |
| Steam3 | 60% | NA |
| Subway 3 | PM me | NA |
| Taco Bell | 60% | NA |
| Target | 50% | 50% |
| Urban Outfitters | 50% | 50% |
| Vudu3 | 50% | NA |
| Walmart | 60% | 60% |
| Wendys3 | 60% | NA |
| Xbox (gift cards)3 | 60% | NA |
| Other Clothing Stores, Gas Stations, Grocery Stores, Restaurant, & Fast Food gift cards | PM me |
What I don’t buy:
Any fees are built into the price.
- Amazon.au
- Bass Pro Shop
- buffalo wild wing
- California Pizza Kitchen
- Canadian tire
- Cold Stone
- Dairy Queen
- Fanatics
- Giant Foods
- Google Play
- Grub Hub
- Gymshark
- Hilton Honors
- Hot Topic
- Krispy Kreme
- old navy/gap/banana republic
- Patxi's pizza
- PSN Canada or UK
- publix
- Raceway
- Scheels
- Shell Gas Stations
- Spotify
- Starbucks Canada
- Tractor supply
- Xbox Canada or UK
- Xbox live gold
Selling
I have:Up to $1000 in Amazon.com (can be broken up into smaller denominations) and am selling at
Up to $500 in eBay (can be broken up into smaller denominations) and am selling at
- 85%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: LTC
Up to $500 in Apple.com ($15 and $50 denomination) and am selling at
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
2024.05.15 17:50 seeldoger47 [H] $1000 Amazon, $500 eBay, $500 Apple [W] Western Union, LTC, Wise [H] PayPal, Cash App, Crypto, Chime, Apple Pay, Varo, Venmo [W] Apple, Amazon (CA, Com, DE, ES, FR, IT, UK), B&N, Dunkin, eBay, Grub Hub, Gyft, iTunes, JCPenney, Microsoft, PSN, Steam, Target, Uber, Walmart, Xbox + more
Warning: I will not message you first. If you were messaged by someone claiming to be me you are in the process of being scammed.
You can download the WesternUnion app and send the payment from your phone and I will pay the fees.Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
- Type of card(s) and amount of each.
- What payment method you accept.
- How you acquired the GC and why you're getting rid of it.
I only have Steam as a substitute for cash payments in gift card trades.
| Want ↓ | Cash or a Gift Card ↓ | Crypto4 ↓ |
|---|---|---|
| Apple | 60%3 | NA |
| Amazon.ca | 50% | 50% |
| Amazon.co.uk | 50% | 50% |
| Amazon.com | 70% | 55% |
| Amazon.de | 50% | 50% |
| Amazon.es | 50% | 50% |
| Amazon.fr | 50% | 50% |
| Amazon.it | 50% | 50% |
| Amazon.jp | 30% | 30% |
| Arrow Films | 65% | 60% |
| Barnes & Noble | 50% | 50% |
| Baskin Robbins | 60% | 60% |
| Best Buy | 25% | 25% |
| BJ's (not BJ's restaurant)3 | 60% | NA |
| Bloomingdales | 50% | 50% |
| Burger King4 | 60% | NA |
| Clothing Shops (Small Boutique) | contact me | contact me |
| Dell3 | 60% | NA |
| Delta gift cards3 | 65% | NA |
| Delta Sky Miles3 | PM me | NA |
| Delta Vouchers3 | 65% | NA |
| Dicks Sporting Goods 3 | PM me | NA |
| Disney Plus | PM me | PM me |
| Dunkin Donuts3 | 60% | NA |
| eBay | 70% | 70% |
| Fandango3 | 10% | NA |
| Five Guys3 | 60% | NA |
| Gamestop | 60% | 60% |
| Gas Station Cards3 | PM me | NA |
| Gyft | 70% | 70% |
| Half Price Books | 50% | 50% |
| iTunes3 | 60% | NA |
| J crew | 40% | 40% |
| JCPenney | 25% | 25% |
| Jersey Mike Subs3 | 60% | NA |
| KFC3 | 60% | NA |
| Khols | 30% | 30% |
| Macys | 35% | 35% |
| Magazines.com | 40% | 40% |
| McDonald's 3 | 60% | NA |
| Microsoft3 | 60% | NA |
| Moe’s Southwestern Grill3 | 60% | NA |
| Nintendo Eshop3 | 70% | NA |
| Nordstrom | 50% | 50% |
| Panera bread3 | 60% | NA |
| PSN3 | 60 | NA |
| PSN Plus 12 month3 | NA | NA |
| Saks Fifth Avenue | 50% | 50% |
| Sears | 50% | 50% |
| Sephora | 50% | 50% |
| Speedway (must be able to use on fuel)3 | 80% | NA |
| Staples | 50% | 50% |
| Starbucks US only | 55% | 55% |
| Steam3 | 60% | NA |
| Subway 3 | PM me | NA |
| Taco Bell | 60% | NA |
| Target | 50% | 50% |
| Urban Outfitters | 50% | 50% |
| Vudu3 | 50% | NA |
| Walmart | 60% | 60% |
| Wendys3 | 60% | NA |
| Xbox (gift cards)3 | 60% | NA |
| Other Clothing Stores, Gas Stations, Grocery Stores, Restaurant, & Fast Food gift cards | PM me |
What I don’t buy:
Any fees are built into the price.
- Amazon.au
- Bass Pro Shop
- buffalo wild wing
- California Pizza Kitchen
- Canadian tire
- Cold Stone
- Dairy Queen
- Fanatics
- Giant Foods
- Google Play
- Grub Hub
- Gymshark
- Hilton Honors
- Hot Topic
- Krispy Kreme
- old navy/gap/banana republic
- Patxi's pizza
- PSN Canada or UK
- publix
- Raceway
- Scheels
- Shell Gas Stations
- Spotify
- Starbucks Canada
- Tractor supply
- Xbox Canada or UK
- Xbox live gold
Selling
I have:Up to $1000 in Amazon.com (can be broken up into smaller denominations) and am selling at
Up to $500 in eBay (can be broken up into smaller denominations) and am selling at
- 85%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: LTC
Up to $500 in Apple.com ($15 and $50 denomination) and am selling at
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
2024.05.15 17:32 amnesicpachyderm Every side quest reviewed - share your favorites/most hated quests
I loved Rebirth, and while the side quests were vastly improved they were still pretty hit or miss. Which side quests did you like/hate?
I’ve decided to review all 36 quests for some ungodly reason.
Grasslands:
submitted by amnesicpachyderm to FFVIIRemake [link] [comments]
I’ve decided to review all 36 quests for some ungodly reason.
Grasslands:
- Flowers from the Hill - C
- Kinda cute storyline, but they missed an opportunity for some Aerith backstory - idk, what’s her favorite flower or something? Or a memory tied to flowers? Devious on hard mode.
- Lifeline in Peril - F
- I don’t like Kyrie, I don’t really like to not like Kyrie. A collectathon and doesn’t have much to do with Barret. A unique boss, but not a very interesting one.
- A Rare Card Lost - A
- I like the bartender’s dialogue and VA, you get a great reward, and there’s a nice scene with Tifa that gets referenced later in a meaningful way. Wish there was more to Thorin, though.
- Livestock’s Bane - D
- You get some Red development, but it’s a tracking quest and I don’t like the setup or enemy at the end.
- Where the Wind Blows - A
- A lot of setup required, but the Broden stuff is good and is referenced later. The boss fight is pretty good (the first time). Doesn’t have much to do with Red.
- Hustle and Grind - C
- I don’t really like Beck’s Badasses, but the interview is silly and you get to see the motorbike dudes. An annoying fight and doesn’t have anything to do with Barret, though.
- Stuck in a Rut - C
- Kind of awkward setup but I like the wrinkly old tatted dude and you get a good view of the cost from the hut on the cliff. Following the map was OK.
- When Words Won’t Do - A+
- Probably my favorite quest and it’s an escort mission! Top tier banter between Barret and Cloud and the bow wow wow song is so good.
- Calling All Frogs - B
- I wish there were fewer enemies for the frog encounter because it drags on for too long. Quirky, weird, and Tifa and Cloud flirt. Also frogs are cool.
- The Hardest Sell - D
- I still don’t like her. The decorations bump it up to a D, though. Red has nothing to do with this quest.
- Dreaming of Blue Skies - C
- A nice scene with Tifa at the end, but it’s a tracking quest. Not particularly interesting, but overall OK.
- Tides of War and Worry - A
- I liked this mini game. Revisiting it once much later on was fine and it doesn’t overstay its welcome (and it’s pretty easy).
- Beneath Still Waters - C
- A unique boss, and we get to see our infantry bros again, but aside from them not turning us in there’s nothing interesting about this encounter. Not any Aerith development.
- The Saga of the Seaside Inn - B
- Unique premise, and Yuffie and Cloud continue talking about it as you have to come back to it later. I don’t like collecting the wood blocks - mindless busy work.
- Rendezvous in Costa del Sol - F
- Look I really don’t want to do those mini games again. The Aerith date is kind of off-putting. Fair enough, it makes some sense but it’s still a bummer.
- Bodybuilders in a Bind - D
- I had trouble finding the group of monsters on the hill. The food talk with Tifa is OK, but kind of boring. Missed opportunity to talk about Zangan which would have been much more interesting. The sit-up mini game was way too unforgiving.
- Of Robed Men and Ransoms - C
- A unique mini dungeon with a unique vibe is cool. Makes sense that it’s a Red quest. I don’t like the team rocket duo at the end, they aren’t really interesting in any way.
- Missing: Mr. Birdie - F
- Cute premise, but I did not like setting and then returning to the traps.
- Trouble in Paradise - C
- Kyrie, but you get to threaten to kill her. Also a cool boss fight at the end of this quest. A Yuffie quest even though she really has nothing to do with it.
- Gold Cup or Bust - F
- I really like the lore for this quest, and it’s only a bit of a stretch for it to be a Tifa quest. But man, you have to do a LOT of races for this one. Too many.
- Sand and Circuses - C
- Cool to see Leslie again, will probably come back next game. Some of those fights were kind of annoying, and it forced me to use the materia menu a lot which is always a pain.
- Can’t Stop, Won’t Stop - F
- He should have stopped. Luckily it wasn’t bugged for me.
- The Pursuit of Perfection - A
- I liked following the pictures. Nothing to complain about here.
- O Chicken, Where Art Thou - F
- Annoying AF. Funny ending.
- Teach Me, Great Warrior - D
- Despite the Zach connection I wasn’t really feeling it. The enemies died too quickly to be staggered, that was annoying.
- The Spice of Life - F
- Too much work and not really any payoff. Not really any Aerith development either.
- Escape from Endless Writer’s Block - C
- Kind of annoying to actually get the photos, but story-wise it was nice.
- Woodland Vigil - F
- I did not like going back and forth to do the spotting, and we don’t really learn anything about Zach or Cissnei.
- Bonds of Trust - F
- Did not like this mini game. And you have to do it three times. The story is boring and predictable. Really wish the chocobos could just fly, gliding isn’t nearly as fun.
- Absence of a Sign - D
- A cute moment between Aerith and Cloud, but I didn’t like fighting that same scorpion 3 times and taking the pictures was finicky.
- From Whence Life Flows - D
- I didn’t like following this particular map, I didn’t like having to do them in a specific order and I feel like you don’t really learn much lore from this quest which is kind of annoying.
- Promises to Keep - D
- Didn’t like running across the desert and the story is kind of nonsensical? I like how they handled the Gi overall in this game, though.
- Victim of Circumstance - F
- Hated following the signal, hated fighting enemies that can swallow party members.
- Esoteric Secrets of the Elders - C
- Picking up the plants is kind of fun, there’s a kooky guy in a chocobo onesie.
- My White-Haired Angel - C
- A little too long, a little too annoying of an escort quest. Still nice and it’s kind of funny to keep the cat catching theme going. Funny to have the cats in the piano performance at the end.
- Lament of the Damned - D
- Shinra manor was kind of a letdown, and even though you get to go on a quest with Vincent the actual encounters in the combat simulator were way too repetitive.
2024.05.15 17:32 shaneka69 Get A Tarot Reading Today! ALL READINGS SENT SAME DAY THEY ARE BOOKED
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submitted by shaneka69 to mytarotreadings [link] [comments]
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2024.05.15 16:34 Due-Ad1337 How do you play this game for free?
This game seems entirely pay to play. Either that or the grind is just insane.
Any deck worth playing requires crafting rare cards, which requires dust, which I can never seem to find. I have thousands of in-game gold, but no matter how many packs I buy, I never get more than 2 of any card to be able to disenchant.
By the way the animation for opening a pack is ridiculous. Is there a button for opening 30 packs at once and then just checking if I got the one card I want? Or do u need to manually open each one and scroll through each card?
submitted by Due-Ad1337 to hearthstone [link] [comments]
Any deck worth playing requires crafting rare cards, which requires dust, which I can never seem to find. I have thousands of in-game gold, but no matter how many packs I buy, I never get more than 2 of any card to be able to disenchant.
By the way the animation for opening a pack is ridiculous. Is there a button for opening 30 packs at once and then just checking if I got the one card I want? Or do u need to manually open each one and scroll through each card?