I'm hoping the attorneys here might help, but I'm expecting to be out of luck. I've shared my story in a comment late last week, but I think sharing as new might be easier for documentation.
In 2022, my Navient private loans were at (over? - I can't remember specifically) 10%. It was getting tough to afford and any sort of relief was looking less and less likely, lots of comments (not necessarily here, but other financial/student loan groups) were suggesting to refinance. I tried to hold off as late as I could hoping this would develop into something, but 10% was my limit. Anyway... I ended up refinancing with another loan servicer in 2022. Based on this happening alone, I expected Navient to do absolutely nothing for me.
However... after seeing this application come about in this sub-reddit, I was getting pretty upset. Navient really screwed me as well as the school I attended. I attended The International Academy of Design & Technology, which changed names to Stafford-Brown College years after I graduated. The school pushed me towards private loans, telling me I had exhausted my limit for federal loans. I believe this was a lie because when reviewing my information in the last couple of years since filling out my BD application and seeing a large portion of money I could borrow - this was before my federal loans were forgiven. The other thing that pissed me off was that we specifically asked not to take a Parent PLUS loan out because my single mother couldn't afford it. Guess what, they snuck the paperwork in for the Parent Plus loan in a large packet and did the whole "sign here, here, here, and here" thing and said it was to secure the loans. Didn't even mention the Parent loan was mixed in there. So I paid that myself... And unfortunately, I didn't think to file a separate BD application for this until AFTER the deadline to be full class, so this is a post class application. Also because I paid it off years ago, it wasn't a thought. And the first application I filed (this was post class (not under DeVos) was immediately denied because it was paid off, so I filed a 2nd one and noted that I was hoping to be considered full class for refund considering I filed a one for my other loans already and cited my case number. Last I checked (long time ago) it was still pending.
I attended IADT from 2003-2007. My private loans were initially Sallie Mae, then moved to Navient. Under both servicers, I struggled to pay and they only options they gave me were deferment or interest only payments. I had since exhausted my ability to defer and even when interest reached 10% in 2022, they only offered deferment (well, not really because they told me I exhausted that) or interest only payments. Which is also why I refinanced elsewhere. Long story short, since 2007 when I was required to begin making payments, I have paid 2-3 times what I borrowed on my loans and still owed half as of 2022.
CFPB
Since learning about the misconduct application and a recommendation to file a CFPB complaint to be able to apply, I tried it. I basically asked to be able to apply like anyone else and if the application proves that I was a victim, I asked for Navient to buy my loans back from my new servicer and treat my case like any other. I didn't expect they would do this, but worth trying, right? About a week later, they responded basically saying that because my loans are paid in full and they are no longer my servicer, I am not eligible for the application. I mean, it makes sense on the surface. But it does NOT excuse them taking such advantage of me nor does it discount the fact I was a victim of fraud. I have 60 days to provide feedback to my CFPB response, but the case is closed. Feedback is only used to help improve the process, not affect my complaint outcome in any way.
Side note - Since 2007, probably a few years later, I had reached out to 1-2 lawyers about suing, but no one wanted to touch it nor did I know who or how to really approach any of this legally. One was already suing IADT in Florida (I'm in Illinois) and I only reached out to that one or even knew about it because it showed up on a news article. Initially, when I reached out, the lawyer said they would include me and expand the case outside of Florida. A while later, they rescinded and said they couldn't help me. I'm not even sure if the case in FL went anywhere.
I also discovered during my BD application process when looking for evidence that in 2019, like 49 states sued CEC (the parent company of IADT) and settled by stopping all of the loans for their schools. I was not informed or included in this settlement and I don't know why. Here's 1 article discussing it - https://www.npr.org/2019/01/03/682057881/nearly-180-000-students-wont-have-to-repay-loans-from-for-profit-higher-ed-compa I had reached out to my state's AG twice to inquire about this and why I wasn't included. The 1st time, they basically said "What case?" and acted like they had no idea what I was talking about and ignored me afterwards. The 2nd time I got no response. So... I'm not sure what this settlement even entailed. I also checked all of the boxes for the Navient settlement before SvC except that I was not in default. Had I been in default, I would have found relief in that settlement. So... yeah, striking out here.

In a groundbreaking move, Disney and Warner Bros Discovery are reshaping the entertainment landscape by blending traditional cable TV with modern streaming services. This innovative approach creates a new hybrid model that merges the best aspects of both worlds, offering a fresh way for audiences to enjoy content.
A Hybrid Approach
Disney and Warner Bros Discovery are utilizing their extensive libraries to create subscription-based services that combine the structure of cable TV with the flexibility of streaming. These services offer curated channels, live programming, and vast on-demand libraries, providing a comprehensive entertainment experience that caters to a variety of viewer preferences.
Key Drivers
Several factors are driving this transformation:

1. Content Volume: Both companies possess vast catalogs of movies, TV shows, and exclusive content. By presenting these offerings in a cable-like format, they can maximize the value of their extensive libraries.
2. Viewer Preferences: Many consumers still appreciate the organized and predictable nature of scheduled programming. This new model offers the simplicity of cable TV while retaining the flexibility of streaming.
3. Revenue Potential: The hybrid model creates multiple revenue streams, including subscription fees, advertising, and premium add-ons, allowing the companies to optimize their monetization strategies.

Technological Integration
Advanced technology plays a crucial role in this new model. AI and sophisticated algorithms personalize the viewing experience, providing tailored recommendations and integrating live programming seamlessly. This technological backbone ensures a dynamic and engaging platform for users.
Industry Impact
The move by Disney and Warner Bros Discovery is likely to have significant effects on the media industry. Competitors may be compelled to innovate and adapt, leading to an overall improvement in how content is delivered and consumed. Traditional cable providers and smaller streaming services will need to rethink their strategies to remain competitive.
Benefits for Consumers
Consumers stand to gain significantly from this hybrid approach. They will enjoy the curated, predictable nature of cable TV along with the expansive on-demand libraries of streaming services. This model aims to reduce the overwhelming choice paralysis often associated with modern streaming platforms while maintaining the flexibility viewers have come to expect.
Conclusion
Disney and Warner Bros Discovery are pioneering a new era in entertainment by merging the strengths of cable TV with the conveniences of streaming. This innovative approach not only enhances the viewing experience for consumers but also sets a new standard for the industry. As these companies lead the way, the future of media consumption looks more integrated and user-friendly than ever before.

In a bold move that has sent ripples through the entertainment industry, Disney and Warner Bros Discovery have effectively reinvented cable, merging traditional television concepts with modern streaming services. This initiative marks a significant shift in the media landscape, blurring the lines between conventional cable and on-demand streaming.
The New Paradigm
Disney and Warner Bros Discovery are integrating their vast libraries of content into streamlined, subscription-based services that mimic the structure of cable TV but with the flexibility and convenience of streaming. This approach offers curated channels and live programming, alongside the extensive on-demand libraries that streaming platforms are known for. The aim is to provide a one-stop-shop for entertainment, catering to a wide range of viewer preferences and habits.
Driving Factors
Several key factors are driving this transformation:

1. Content Abundance: Both Disney and Warner Bros Discovery boast extensive catalogs of movies, TV shows, and exclusive content. By packaging these offerings into a more traditional cable-like format, they can better leverage their vast content libraries.
2. Consumer Demand: There is a growing demand for a more organized and predictable viewing experience. While the freedom to choose from a massive selection is appealing, many consumers still crave the simplicity and reliability of scheduled programming.
3. Revenue Optimization: By combining the best elements of cable and streaming, these companies can potentially unlock new revenue streams. Subscription fees, advertising, and premium add-ons create multiple avenues for monetization.

Technological Integration
The technological backbone of this new model is crucial. Advanced algorithms and AI are employed to create personalized viewing experiences, dynamically adjusting recommendations based on viewer preferences. Additionally, live programming and events are seamlessly integrated into the platform, offering viewers a sense of immediacy and community that traditional streaming services often lack.
Industry Impact
This strategic shift by Disney and Warner Bros Discovery is likely to have far-reaching implications for the broader media landscape. Competitors may feel pressure to innovate and adapt, leading to an overall enhancement in how content is delivered and consumed. Smaller streaming services and traditional cable providers might need to rethink their strategies to stay relevant in this evolving market.
Consumer Perspective
For consumers, the benefits are manifold. They get the best of both worlds: the curated, predictable nature of cable, combined with the expansive, on-demand library of streaming services. This hybrid model aims to reduce the overwhelming choice paralysis that often accompanies modern streaming platforms while maintaining the flexibility that viewers have come to expect.
Conclusion
Disney and Warner Bros Discovery's initiative to reinvent cable through their streaming services is a testament to their ability to adapt and innovate in a rapidly changing industry. By merging the strengths of traditional television with the conveniences of streaming, they are setting a new standard for how entertainment is delivered and consumed. This move not only benefits consumers but also sets a precedent for the future of media consumption.

“Real gold is not afraid of the melting pot” - Old Chinese proverb
The core development team achieved a major milestone this week. They reached Certik KYC gold certification for providing the maximum amount of identification possible for the core team. This proves without a shadow of a doubt the team is dedicated to the long term goals they have talked about since launch. Out of all the protocols and teams Certik has looked at, a grand total of 74 projects have reached KYC gold. This is a rare feat that will allow people outside the PAW Chain community to trust that all aspects of the PAW Chain launch are being handled with integrity.
Certik voting is still in progress as we aim to be the top project to receive $20k in free services. With PAWswap coming in at #19 in overall Skynet security score, the goal is to get that rank even higher. The team as always is committed to security as the main priority, and grabbing an extra $20k in services from Certik can only improve the security of the network. Voting for PAWswap is available every 24 hours, and it is at the bottom of the page under “Monitoring”.
Build on PAW featured u/officialLXNK which is headed by DevilDog. His side-scrolling game is just a part of his plans to use in-game currency to get crypto into the hands of people from poorer countries. His goal is to expand the reach of cryptocurrency to those without the resources to consistently invest in their crypto future. PAW Chain will factor into the future of LXNK as the cheap fees and multichain accessibility will make it much easier to get money into the hands of more people.
Not only has the PAW Chain community been showing out on the voting for Killer Whales, the production team for the show is really taking notice. We have seen PAW Chain mentions from influential accounts rise over the last week. Because of the amazing job the community has done voting for PAW Chain, we will be featured on an X space hosted by CoinMarketCap along with the other top 5 projects for the previous week. This spotlight will give our speaker 10 minutes to pitch why we deserve to be on season 2. This will happen each week during the voting process, so we will have multiple opportunities to showcase our greatest assets in front of a massive audience.
PAW Chain has been the clear favorite to win the Killer Whales voting competition since it started. While we have slipped from first place a few times, the commitment from our community is going to make it hard for anyone else to keep up the voting pace. As of this writing PAW Chain has 349,800 votes. A staggering amount in 13 days.
We definitely bridged the gap on Bridging the Gap this past week. Ibrahym0x educated us on the possibilities of XFTs. These are basically NFTs with vault storage. You can place coins, tokens, or other NFTs inside of these vaults. This is a massive innovative jump for RWAs and their ties to NFTs. His collection of hyena XFTs is the first line of vault storage items for sale on his website.
Test-Net will be updated eventually, but we are currently waiting for it to be set up on an internal domain for Certik to perform their own testing. We will make an official announcement when Test-Net is released.
Thank you for taking the time to tune in to this week’s newsletter. There are so many exciting things happening at once, and we appreciate the amazing community that shows up day after day. Without everyone doing their part to support the project, no matter what support that is, we wouldn’t have this amazing launch to look forward to.

If you are unable to Handle your online Exam, Assignments and full courses, get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: info@hiraedu. com
ASSESSMENTS I CAN COMPLETE:

• Online Courses (1 - 20 Weeks Long)
• Homework Assignments
• Exams Quizzes Tests
• Excel Projects
• Discussion Forum Posts
• Research Papers Term Papers Essays
• Employment Assessments

MY MATH SUBJECTS OF EXPERTISE:
I am very knowledgeable and proficient in assisting students in a wide range of mathematics classes. I can help students complete their homework assignments and other projects get an A on quizzes, tests, and exams (including proctored assessments) answer online discussion posts write essays & papers in MLA APA Chicago format and provide general overall academic help in each math course listed below:

• Advanced Placement Honors High School Level Math
• AP Calculus AB A.P. Calculus BC
• AP Statistics
• Biostatistics Bio-Statistics
• College Algebra Intermediate Algebra
• Business Calculus
• Business Statistics
• Business Math
• Calculus I Calculus II Calculus III (Calc)
• Geometry
• International Baccalaureate (IB) Maths
• Liberal Arts Math
• Logic & Reasoning
• Multivariable Calculus Multi variable Calculus
• Precalculus Pre-calculus
• Probability & Statistics
• Psychology Statistics Psych Stats
• Quantitative Reasoning Quantitative Methods Quantitative Literacy (Quant)
• Statistics (Stats)
• Statistics for Social Sciences
• Trigonometry (Trig)

STATISTICS HELP (MY BEST SUBJECT):

• I have a master's degree in Applied Statistics from a university in New Jersey, USA. As a result, I am very proficient in helping students with various types of Statistics courses including Biostatistics Business Statistics Elementary Statistics Probability & Statistics Psychology Statistics.
• I have extensive knowledge and skill with helping students get through various statistical concepts including all of the following in alphabetical order:
• ANOVA Bar Graph, Boxplot, Dot Plot, Histogram, Pie Chart Bias Binomial, Exponential, Poisson, Gamma, Uniform Distribution Central Limit Theorem Chi-Square Test Coefficient of Determination (R^2) Conditional & Relative Probability Confidence Interval Correlation Coefficient (r) Critical Region Critical Value Descriptive & Inferential Statistics Effect Size Expected Value Experiment vs Observation Goodness of Fit Test Hypothesis Testing Interpolation & Extrapolation Interquartile Range (IQR) Kurtosis Left, Negative, Right, Positive Skewed Distribution Logistic Regression Mean, Median, Mode, Midrange Multiple Regression Nominal, Ordinal, Interval, Ratio I Population Parameter Normal, Symmetric & Bell Shaped Distribution Null & Alternate Hypothesis One & Two Sample T-Test One & Two Sample Z-Test Ordinary Least Squares Outliers P-Value Pooled Variance (Equal Variances) Proportion R^2 Range Regression Regression Line Reject & Fail to Reject Ho Relative & Cumulative Frequency Distributions Relativity & Reliability Right, Left, One, Two Tailed Tailed Hypothesis Test Sample Statistics Sampling Methods (Convenience, Stratified, Simple, Cluster, Systematic) Significance Level (1%, 5%, 10%) Skewness Standard Deviation& Variance T-Score Test Statistic Time Series Type I & Type II Errors Unbiased Estimators Z-Score

ALGEBRA HELP:

• I am well-versed in helping students do well in Algebra 1 & 2 College Algebra Intermediate Algebra Pre-Algebra and I am very knowledgeable and proficient in the following algebra topics in alphabetical order:
• Absolute Values Circle Equation Domain Exponents Graphing Horizontal & Vertical Asymptotes Inequalities, Equations & Functions Inverse Functions Linear, Exponential, Logarithmic, Quadratic Equations Logarithms Maximum & Minimum Values of a Graph Number Lines One-to-One Functions Parallel & Perpendicular Lines Plotting Points & Ordered Pairs Point-Slope Form Polynomial Division Polynomials Radicals Range Rational & Irrational Expressions Rational Functions Real Roots Real Zeros Relations & Functions Slope Slope-Intercept Form Square Roots Standard Form of a Line System of Equations System of Inequalities Variables X and Y Intercepts

CALCULUS HELP:

• I am well-versed in helping students do well in Calculus I, II & III, Calculus 1, 2 & 3, Business Calculus, Multivariable Calculus, Vector Calculus and I am very knowledgeable and proficient in the following calculus topics in alphabetical order:
• Absolute & Local Maximum and Minimum Antiderivative Area & Volume Chain Rule Concavity Continuity Convergence Test Critical Points Curvature Curve of Rotation Curve Sketching Derivatives Divergence Test First & Second Derivative Test Fourier Series Implicit Differentiation Increasing / Decreasing Functions Infinite Series Integrals Integration by Parts Jacobian Matrix Limits L’Hopital’s Rule Maclaurin Series Mean Value Theorem Partial Derivative Product & Quotient Rule Reiman Sum Related Rates Simpson’s Rule Solid of Revolution Substitution Rule Taylor Series

I CAN AID STUDENTS TAKING PROCTORED ASSESSMENTS:

• Proficient in CollegeBoard AP Calculus AB, AP Calculus BC & AP Statistics exams.
• Skilled with International Baccalaureate Math Exams: IB Maths HL & IB Maths SL
• Can intentionally answer a few problems incorrectly at the student's request.
• Can text solutions to the student while they are taking a proctored exam.
• Upon request, can purposely obtain grades below an A (ex: B+, B, C+, C-).
• I can stretch out the time to a plausible length for timed exams and assignments before submitting them.
• Have reliable software that can change my IP address to match the closest major city near the student.
• I have exceptional multiple-choice exam-taking skills. I have mastered the various techniques to make calculated guesses for the correct option in standardized exams such as the SAT & GRE.

I CAN VERIFY MY ACADEMIC KNOWLEDGE & SKILLS:

• I have no problem with requests to solve sample problems upfront to prove my knowledge & proficiency of the course concepts.
• I can provide glowing references & strong examples of work done for past clients to verify my academic skills.
• I can also provide, upon request, complete detailed calculations with explanations for solutions to the problems worked on.
• I am quite skilled and adept in using multiple modernized educational platforms and software, including but not limited to: Brightspace MyStatLab D2L WebAssign Canvas MyMathLab Blackboard ALEKS
• Can format term papers and discussion posts in APA MLA Harvard Chicago Vancouver OSCOLA IEEE format.

I HAVE PAID ACCESS TO OVER 15 STUDY-HELP WEBSITES AND MATHEMATICAL SOFTWARE:

• I have multiple paid subscriptions to a wide range of academic tutoring resources, including Chegg, Quizlet, CourseHero, Brainly, Grammarly, Study. com, Bartleby, Slader, Transtutors, Slideshare, StudocU, Turnitin, Academia, SymboLab, WolframAlpha, and Scribd to help guide to solve exam & homework questions that I may not immediately know.
• However, I am smart enough not to blatantly plagiarize solutions online but instead write them in my own unique words, formatting, & mathematical terminology.
• I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
• I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, or PDF formats.

MY AVAILABILITY & RELIABILITY:

• Depending on my availability, I can accommodate immediate tutoring requests, 1-24 hour, and 1-30-day deadlines.
• I can schedule live real-time online sessions and meet deadlines in an impressively timely fashion.
• I can provide quick notifications and updates of progress made in the student's class via email text phone calls.
• I can also be available to tutor students for Fall 2021 Spring 2022 Summer 2022 semesters.

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• I am very knowledgeable and well-versed in a wide range of educational software to tutor students in including but not limited to: Acellus ALEKS APEX Learning Aplia Blackboard Brightspace Canvas Cengage CengageNow Connect ConnectMath Connexus CPM D2L Discord Edmentum Eviews Examity Excel Hawkes Learning Honorlock Khan Academy Knewton LimeSpring Lumen Maple MasteringChemistry MasteringPhysics MathXL (XL) MATLAB McGraw-Hill Microsoft Word Minitab Moodle MyAccountingLab MyEconLab MyITLab MyLab My Lab MyMathLab My Math Lab MyOpenMath MyPsychLab MySocLab MyStatLab My Stat Lab NCSS Open Source Software Pearson PERT PlatoWeb PowerPoint Prezi R Respondus Lockdown Browser with Webcam Sapling SPSS Stata StraighterLine Straighter Line WebAssign Web Assign Webex (Cisco) WebWork Wiley WileyPlus Wonderlic Zoom

SCHOOLS FROM WHICH I'VE HELPED STUDENTS IN :
As of 2021, I have tutored and helped students enrolled at the following U.S. universities community colleges county & city colleges schools for-profit institutions listed below in alphabetical order:

• A - C: American Public University System (APUS) Arizona State Ashford Brigham Young Brown Broward California State (Fullerton) Capella Chamberlain (Illinois) Colorado Technical Columbia Columbia Southern Cornell
• D - K: Dallas College Dartmouth DeVry Excelsior College Florida International Florida State Full Sail Georgia State Grand Canyon Harvard Houston Community College Ivy Tech Community College Kaplan Kennesaw State Kent State
• L - T: Liberty Lone Star College System Kaplan Miami Dade Michigan State CUNY State University of New York (SUNY) Northern Virginia Ohio State University of Phoenix (UOP) Penn State Princeton Purdue (Davenport) San Diego State San Francisco State San Jose State Southern New Hampshire Southern Nevada Stanford St. Petersburg Strayer Texas Tech
• UNIVERSITY OF: Alabama Arizona California (UC) Central Florida Chicago Cincinnati Florida Houston Illinois (Urbana-Champaign) Iowa Maryland Minnesota Michigan North Texas Pennsylvania Southern Florida Texas Toronto
• U - Z: UCLA Extension Utah State Utah Valley Valencia Walden U Wake Technical Western Governors Wilmington Yale

I OFFER FLEXIBLE PAYMENT PLANS:

• I offer several unique payment plans, including a weekly plan, a discounted monthly plan, a discounted half-now / half-later plan, and highly discounted up-front rates.
• I can accept the following payment methods for my services: PayPal Debit Cards Square Cash Credit Cards Cash App Venmo.
• Only people located in North America have access to Venmo Cash App Zelle.
• This is an excellent way to determine if the person you're dealing with is from the United States.
• Within reason, I offer a partial or full money-Back guarantee if the student is very unsatisfied with my academic services.

TUTORING AVAILABLE FOR OTHER SUBJECTS:

• For other subjects, you can reach out to me, and I can connect you with one of my tutoring partners who can provide general academic assistance for the following subjects:
• Art & Design: Art History Design Film Studies
• Business: Accounting (Acc) Biz Courses Business Administration (Biz Admn) Business Calculus Business Law Business Statistics Corporate Finance Economics (Econ) Finance (Fin) Financial Accounting Intermediate Accounting Intermediate Microeconomics (Micro) Macroeconomics (Macro) Management (Mgmt) Managerial Accounting Marketing MBA
• Computer Science: C C++ Computer Programming (Comp) Java Python R (Introduction & Intermediate Level Only)
• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
• Mathematics: A.P. Calculus AB & BC Psychology Statistics AP Statistics Bio statistics Calculus I (1) Calculus II (2) Calculus III (3) College Algebra Differential Equations Discrete Math Finite Math Functions General Math Geometry Liberal Arts Math Linear Algebra Multi-variable Calculus Partial Differential Equations Precalculus Probability Quantitative Reasoning Real Analysis Statistics Trigonometry (Trig) Vector Calculus
• Science & Medicine: Anatomy & Physiology (A & P) Biochemistry Biology (Bio) Biostatistics Earth Science Environmental Science General Chemistry (Chem) Healthcare Medicine Nursing Nutrition Organic Chemistry Physics (Phys)
• Social Sciences: Anthropology Economics (Econ) Geology Law & Justice Liberal Arts Liberal Studies Political Science Psychology Sociology

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• 1) Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, accent, diction, dialect, regionalisms, pitch, vocabulary, word choice, intonations, and inflections.
• NOTE: I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• 2) Agree to do some homework questions of yours upfront with the work fully shown in real-time to prove my mastery of the course content.
• 3) Send you screenshots of at least five past scores I attained from completing exams & homework assignments for other students in the same type of class you need help with.
• 4) Send you full screenshots of written exam solutions I wrote up by hand for students in the past in the same course that you need help with so that you can see my neat handwriting.
• 5) Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes. Why choose low-income victims when it would be much more profitable to target high-income, high-net-worth individuals earning at least six figures a year? I have knowledge in business consulting, and I promise you that a business owner would be a MUCH more lucrative mark than a low-income college student.
• I wouldn’t choose such a time & energy-draining method of scamming people. Also, communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine. This means that 90% of my time communicating with potential clients ultimately proves to be a colossal waste of my irretrievable time & energy.
• If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now. And I would have been permanently banned from opening new accounts. Therefore, the fact that all my payment apps have been fully active for years should be sufficient proof that I haven’t had people consistently disputing payments sent to me.

HOW TO CONTACT ME:

• If you are interested in my services and would like to learn more info, please feel free to reach out to me.
• Text messages and email are the fastest and easiest ways to get in touch with me. However, I gladly accept phone calls.
• If I don't respond right away, I am most likely helping a student at the time and not currently available to speak on the phone. But I always make a solid effort to reply to texts, emails, and phone calls within an hour.

Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
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If you’d like to add an event to our calendar, submit an event here. Please check with the event organizers to see if events change due to weather. Have a great week!
See the full weekly calendar on our website.

Noteworthy Events

The Lion King at DPAC

• Winner of six Tony Awards®, including Best Musical, this landmark musical event brings together one of the most imaginative creative teams on Broadway.
• Wed, May 15 - Sun, June 9
• $29.50+

Adult Recess at CCB Plaza

• Let your inner child shine as you play games, make crafts, and enjoy the fresh air during your lunch break!
• Wed, May 15
• 12-2 p.m.
• Free admission

Duke Baseball vs UNC at Jack Coombs Field

• Thu, May 16 - Sat, May 18

Bimbé Celebration at Rock Quarry Park

• This family-oriented event is a celebration of African and African American history, culture, arts, and traditions. This year's headliner: Monica!
• Sat, May 18
• 1-7 p.m.
• Free admission

Peter Pan at The Carolina Theatre

• This adventure begins at the London home of the Darling family, a typical evening in 1912, as the weary parents try to settle their children down for bed while the young ones insist on staying up late. Little do Wendy, John, and Michael know that a fantastic journey awaits them that night.
• Sat, May 18
• 3 p.m. and 6 p.m.
• $32+

DPW Limit Break at Durham Convention Center

• Wrestlers from all over the world will gather in one place for a night you won't forget.
• Sun, May 19
• 7 p.m.
• $25+

Multi-Day Events

The NGIN Cityscapes Summit at Durham Convention Center

• Hosted by national nonprofit, New Growth Innovation Network, prepare to connect with like-minded professionals and engage with purpose-driven organizations. Immerse yourself in workshops and captivating keynotes from renowned speakers, featuring three tracks of insightful sessions: Inclusive Capital, Community Wealth Building, and Reimagining Systems.
• Wed, May 15 - Fri, May 17
• Registration fees vary

Durham Greek Festival at St. Barbara Greek Orthodox Church

• Enjoy fabulous Greek food, desserts, wine and beer in a festive outdoor atmosphere. Continuous Greek music and scheduled folk dance performances.
• Sat, May 18, 11 a.m. - 9 p.m. and Sun, May 19, 11 a.m. - 7 p.m.
• Free admission

Historic Buildings Open House at West Point on the Eno Park

• Enjoy a look inside the historic McCown-Mangum House, Photography Museum, and Mill.
• Sat, May 18 and Sun, May 19
• 10 a.m. - 2 p.m.
• Free admission

Movies at The Carolina Theatre

• Libeled Lady
• Dirty Harry & Assault on Precinct 13
• Cat City
• Back to Black
• Willy Wonka and the Chocolate Factory
• UHF

Monday, May 13

2 p.m.
Board Game Night at The Glass Jug in Downtown Durham
5 p.m.
Arts & Drafts at Fullsteam Brewery
6 p.m.
Disc Golf Putting League at The Glass Jug in RTP
6:30 p.m.
Trivia Night at Ponysaurus Brewing Company
7 p.m.
Community Board Game Night at Moon Dog Meadery

Tuesday, May 14

Events at Durty Bull Brewing Brewing Company

• 12-8 p.m. - Food Truck: Mike's Vegan Cookout
• 7-9 p.m. - Bull City Beer Runners Run Club
• 7-8 p.m. - Puzzled Pints Game Night

Events at The Glass Jug Beer Lab in Downtown Durham

• 5:45-6:30 p.m. - Community Zumba Classes
• 6-8 p.m. - Music Bingo

Events at The Glass Jug Beer Lab in RTP

• 6-8 p.m. - The Glass Jog Run Club
• 6-9 p.m. - Stitch & Sip

5:30 p.m.
Boxyard Run Club at Boxyard RTP
6 p.m.
In Other Words at Arcana
Duke Baseball vs College of Charleston at Jack Coombs Field
Bring Your Own Vinyl with Jaffar at Rubies on Five Points
Women on the Wall at Triangle Rock Club - Durham
6:30 p.m.
Trivia at Durham Food Hall
Pony Ride at Ponysaurus Brewing Company
7 p.m.
Trivia at Beer Study Durham
Not Rocket Science Trivia at DSSOLVR Durham
Tuesday Blues Jam at The Blue Note Grill
8 p.m.
Comedy Night at Bull City Ciderworks
Jeremy 'Bean' Clemons Trio at Kingfisher
Enter Shikari at Motorco Music Hall
Vision Video + Tears For The Dying at The Pinhook

Wednesday, May 15

Events at Atomic Empire

• 6:30 p.m. - Dragon Ball Fusion World Release Event
• 7 p.m. - Flesh and Blood Armory Event

Events at Boxyard RTP

• 12-2 p.m. - Hear & There: Daniel Delorenzo
• 5:30-8:30 p.m. - Game Night

Events at ZincHouse Winery & Brewery

• 7-8 p.m. - Signature Wine Tasting
• 7-8:30 p.m. - Laughs Comedy Night

9 a.m.
Senior Short Game Clinic at Hillandale Golf Course
10:30 a.m.
Storytime on the Roof with Durham County Library at The Durham Hotel
12 p.m.
Adult Recess at CCB Plaza
3 p.m.
Durham Farmers’ Market at Durham Central Park
4 p.m.
Whiskey Wednesdays at Alley Twenty Six
5 p.m.
Free Wednesday Wine Tasting at Beer Study Durham
5:30 p.m.
Ride of Silence at CCB Plaza
6 p.m.
Queer Craft Night and Tarot with Joy at Arcana
Bimbe Community Block Party at Holton Career & Resource Center
Come Take a Flight With Us: A Bright Black Workshop at Proximity Brewing Company
Free RTP Business Rockstar Connect Networking Event at Sheraton Imperial Hotel
Sweet Social: Auntie's African Ice Cream at The Durham Hotel
6:30 p.m.
Trivia Night with Pickle at The Glass Jug Beer Lab in RTP
7 p.m.
Bottle Swap: Homebrew Club at Durty Bull Brewing Brewing Company
Skip The Small Talk: Speed Friending Event at Fullsteam Brewery
Hammered Trivia at Hi-Wire Brewing
Karaoke Night at Mavericks Smokehouse
Music Bingo at Ponysaurus Brewing Company
3rd Wednesday Jazz Jam Session at Succotash Southern & Creole Kitchen
Brett Chambers Open Mic at The Blue Note Grill
8 p.m.
Air Hockey Tournament at Boxcar Bar + Arcade
Trivia Night at Bull McCabe's
Karaoke at Moon Dog Meadery
The Weeks at Motorco Music Hall
Blends With Friends at The Pinhook

Thursday, May 16

Events at Boxyard RTP

• 7:30-8 a.m. - Bike Durham: Bike to Work
• 12-2 p.m. - Taking Back Thursday: Sheila Casalett

Events at Durty Bull Brewing Brewing Company

• 12-8 p.m. -Food Truck: Mike's Vegan Cookout
• 7-9 p.m. - Thursday Trivia with Nick

8:30 a.m.
Harnessing the Power of AI to Ensure Equitable HR Practices at RTI Holden Building
9:30 a.m.
Guide Supported Canoeing, Kayaking, and Standup Paddleboarding at Eno River
12:15 p.m.
Midday Meander: A Strolling Conversation at Sarah P. Duke Gardens
3 p.m.
Guided Museum Tour at 21c Museum Hotels Durham
5 p.m.
Thirsty Thursdays at Dashi
Righteous Roots Reggae Show at The Glass Jug Beer Lab in RTP
5:30 p.m.
Walking Club with Bull City Strollers at The Glass Jug Beer Lab in Downtown Durham
6 p.m.
Queer Trivia at Arcana
Vinyl Night with DJ Deckades at Gizmo Brew Works
6:15 p.m.
Pony Run at Ponysaurus Brewing Company
6:30 p.m.
AfterHours: Science of Beer at Museum of Life and Science
Line Dance Classes at Mystic Farm and Distillery
Space Code Youth Open Mic at NorthStar Church of the Arts
Boulders & Brews Meetup at Triangle Rock Club - Durham
7 p.m.
Trivia Night at Beer Tooth Taproom
Bimbé Cypher at CCB Plaza
Bring Your Own Vinyl Night at Congress Social Bar
Duke Baseball vs UNC at Jack Coombs Field
Summer Jazz Jam (Curated by Al Strong) at Missy Lane's Assembly Room
Community Board Game Night at Moon Dog Meadery
Al Strong Presents Jazz on the Roof at The Durham Hotel
7:30 p.m.
Trivia Night with Big Slow Tom at Clouds Brewing Brightleaf Square
Reverend Billy C. Wirtz / Armand Lenchek & Carter Minor at The Blue Note Grill
Pillow Talk: Speed Dating and Conversations About Sex / Sexuality at The Pinhook
8 p.m.
Weekly Single Mingle at Boxcar Bar + Arcade
Trivia at Fullsteam Brewery
Danny Lopriore at Motorco Music Hall
9 p.m.
DJ Halo Presents: No Requests at Rubies on Five Points
9:30 p.m.
Karaoke Night at The Tavern

Friday, May 17

Events at Atomic Empire

• 6:30 p.m. - Lorcana: Ursula’s Return Release Event
• 6:30 p.m. - Commander Legends: Battle for Baldur's Gate Draft

Events at Durty Bull Brewing Company

• 5-9 p.m. - Food Truck: La Republica Taco Truck
• 8-11 p.m. - Open Mic Stand-up Comedy

Events at Mettlesome

• 7:30-9 p.m. - Wit: An Improv Comedy Game Show
• 9-10 p.m. - Hush Hush

Events at Moon Dog Meadery

• 6:45 p.m. - Lindy Hop Lesson + Dance
• 7:30 p.m. - Djam
• 9:30 p.m. - Bachata Dance Night

Events at The Blue Note Grill

• 6-8 p.m. - The Duke Street Dogs
• 9:15 p.m. - The Beautiful People Club

10 a.m.
Tasting at Ten at Counter Culture Coffee
12 p.m.
Co-Working Social at The Glass Jug Beer Lab in Downtown Durham
4 p.m.
Late Spring Tree Ramble at Sarah P. Duke Gardens
5 p.m.
Guided Museum Tours at 21c Museum Hotels Durham
Food Truck Friday at The Glass Jug Beer Lab in RTP
5:30 p.m.
LOJO: Log Off, Jam On at Boxyard RTP
6 p.m.
Aly J & Kevin Clark and Tarot with Kathleen at Arcana
Third Friday Art Walk at Downtown Durham
Friday Night Makes at Durham Arts Council
May Third Friday at Durham Arts Council
Counterpoints Exhibition Reception at Durham Bottling Co.
Third Friday at Golden Belt Arts
Duke Baseball vs UNC at Jack Coombs Field
Screenprint Roundup at The Fruit
The Patio Dance Parties : Clueless Fridays at Unscripted Durham
6:30 p.m.
Kayla Waters (Hosted by Marcus Anderson) at Missy Lane's Assembly Room
7 p.m.
Live Vinyl Spinning by PhDJ at Beer Study Durham
Early Show: John Howie Jr. / Ramona and The Holy Smokes at The Pinhook
7:30 p.m.
Evening Eno Exploration Paddle at Eno River
Evan Ringel & Ariel Pocock at Sharp 9 Gallery
8 p.m.
Pass the Aux at Boricua Soul
Stereo Reveries at DSSOLVR Durham
Karaoke! at Fullsteam Brewery
Cheekface at Motorco Music Hall
Dance Blues Friday at Studio 5
9 p.m.
Kayla Waters (Hosted by Marcus Anderson) at Missy Lane's Assembly Room
10 p.m.
The Floor: Special Guest THEYDYLIKE at Rubies on Five Points

Saturday, May 18

Events at Atomic Empire

• 11 a.m. - Pokémon TCG: League Cup
• 1 p.m. - Lorcana: Ursula’s Return Release Event
• 2 p.m. - Game Designers of North Carolina Meetup

Events at Boxyard RTP 11 a.m. - 2:30 p.m. - Will & Well: Grand Opening

• 11:30 a.m. - 2:30 p.m. - Saturdaze: DJ k.ward

Events at Durty Bull Brewing Company

• 1-8 p.m. - Food Truck: Death By Taco
• 3-7 p.m. - 3rd Saturday Vintage + Maker Market
• 5-9 p.m. - Home Brewed: CNOTE Art Spectacular

Distillery Tours and Tastings at Liberty & Plenty

• Every Saturday, 10-10:30 a.m. and 11-11:30 a.m.

Events at Mettlesome

• 7:30-8:30 p.m. - House Party
• 8:30-9:30 p.m. - Harold Night
• 9:30-10:30 p.m. - Mint Condition Standup Showcase

Events at The Fruit

• 5-8 p.m. - Menace To Society Album Listening Party
• 7:30-10 p.m. - HUMP! Film Festival
• 10 p.m. - 2 a.m. - Puro Perreo Pari

Events at The Pinhook

• 7:30 p.m. - Boogie Burly Nights... A Groovy 70s Show
• 10:30 p.m. - Drake and Friends 2

Guided Walking Tours with Triangle Adventures

• 2 p.m. - Downtown Durham Walking Tour
• 4 p.m. - Durham African American History Tour
• 6 p.m. - Downtown Durham True Crime Tour

7 a.m.
Lookin For A Cure at Bull City Running Company-South
8 a.m.
Durham Farmers' Market at Durham Central Park
parkrun Durham at Southern Boundaries Park
9 a.m.
South Durham Farmers' Market at Greenwood Commons Shopping Center
9:30 a.m.
Guide Supported Canoeing, Kayaking, and Standup Paddleboarding at Eno River
10 a.m.
Pop Up Record Show at Beer Durham
Durham's Home Goods Market at Black Wall St Gardens
Bear Awareness Week at Museum of Life and Science
10:30 a.m.
Mother's Day Brunch at The Durham Hotel
11 a.m.
Battle of the Blades 2024 at Historic Durham Athletic Park
12 p.m.
Springtime Outdoor Market at Boxcar Bar + Arcade
Crafternoons at Gizmo Brew Works
Preservation Durham Annual Home Tour: The Rambling Ranch at Orchard Park Picnic Shelter
1 p.m.
Duke Baseball vs UNC at Jack Coombs Field
Say It With Glass Workshop - Sam Nguyen at Moon Dog Meadery
Bimbé Celebration at Rock Quarry Park
2 p.m.
Closing Reception — Dan Gottlieb: Figure Ground at Craven Allen Gallery
Durham "Bullpen" Treasure Hunt - Walking Team Scavenger Hunt! at Fullsteam Brewery
3 p.m.
A Beautiful Noise Spring Concert by the Common Woman Chorus at Eno River Unitarian Universalist Fellowship
Peter Pan at The Carolina Theatre
4 p.m.
Family Fun Saturday: May Flowers at Guglhupf Restaurant
5 p.m.
Rooftops and Alleyways Community Canvas Wall Brawl at Dashi
Durham Blues & Brews Festival at Durham Central Park
Hops & Blues at The Glass Jug Beer Lab in RTP
6 p.m.
The Moon Unit and Tarot with Emily at Arcana
Peter Pan at The Carolina Theatre
6:30 p.m.
Kayla Waters (Hosted by Marcus Anderson) at Missy Lane's Assembly Room
7 p.m.
A Beautiful Noise Spring Concert by the Common Woman Chorus at Eno River Unitarian Universalist Fellowship
Crones of Anarchy: Blues, Rock, Americana at Succotash Southern & Creole Kitchen
7:30 p.m.
Jim Ketch Swingtet at Sharp 9 Gallery
Big Birthday Dance Party: Combo Platter with 2 Sides at The Blue Note Grill
8:15 p.m.
BBYMUTHA: Sleep Paralysis Tour 2024 at Motorco Music Hall
9 p.m.
Kayla Waters (Hosted by Marcus Anderson) at Missy Lane's Assembly Room
10 p.m.
Fortune Factory Presents: Taurus Dance Party at Rubies on Five Points

Sunday, May 19

Events at Atomic Empire

• 11:30 a.m. - Star Wars: Shatterpoint Tournament
• 12 p.m. - Battletech Campaign Day
• 1 p.m. - Lorcana: Ursula’s Return Release Event

Events at Durty Bull Brewing Company

• 2-4 p.m. - Hammered Trivia with Casey
• 4-8 p.m. - The Blood Connection Blood Drive

10 a.m.
Jazz Brunch at Lula & Sadie's
10:30 a.m.
Al Strong Presents Jazz Brunch at Alley Twenty Six
12 p.m.
Preservation Durham Annual Home Tour: The Rambling Ranch at Orchard Park Picnic Shelter
Sunday Dollar Bin Sale for Charity at Rumors Durham
Supernatural Sunday - Psychic Affair + Healers Market at Weldon Mills Distillery
Farmers Market at ZincHouse Winery & Brewery
12:15 p.m.
Public Tour at Duke Chapel
2 p.m.
Hillandale Golf Beginner Clinic at Hillandale Golf Course
3:30 p.m.
Davis Dance Company Spring Recital 2024 at The Carolina Theatre
4 p.m.
Showings at Scripps: Miguel Gutierrez at ADF's Samuel H. Scripps Studios
Carmina Burana at Baldwin Auditorium
Día de las Madres Kermes at El Futuro’s Therapeutic Green Space
String Break at Fullsteam Brewery
6 p.m.
Emma Jane's EP Release Show and Tarot with Joy at Arcana
Davis Dance Company Spring Recital 2024 at The Carolina Theatre
6:30 p.m.
Open Mic Night at Moon Dog Meadery
7 p.m.
DPW Limit Break at Durham Convention Center

Running Art Exhibit

Hometown (Inherited): Ten Year Retrospective at The Fruit

• This project examines the changing landscape of our city through a series of forty mixed media pieces the artist has created since 2014.
• Third Friday openings on Apr 19 and May 17, 6-9 p.m.
• Drop-in by appointment and Wednesdays 4-7 p.m.
• Free admission

Dan Gottlieb: Figure Ground at Craven Allen Gallery

• Each piece begins as a photograph, which is then printed on acrylic and worked with a variety of paints and compounds to create a unique surface.
• Sat, May 4 - Sat, May 18
• Free admission

Constellations: 40 Years of Explorations within Sacred Geometry by Steven Ferlauto at Horse & Buggy Press and Friends

• Sacred Geometry is an ancient field of physics whose equations are expressed through shape. Shape is a way to explore the universal fabric of our existence.
• Sat, May 4 - Sat, June 1
• Free admission

It Ain’t All Black And White at DAG Truist Gallery

• It Ain’t All Black and White is a photography exhibition that encourages us to consider emotions such as serenity, apprehension, yearning, and more.
• Captured by 11 dynamic photographers dedicated to documenting the fullness and complexity of Black life, this exhibition offers each of us an opportunity to see ourselves with renewed attention.
• Thu, Apr 25 - Sun, June 2

María Magdalena Campos-Pons: Behold at Nasher Museum of Art at Duke University

• María Magdalena Campos-Pons: Behold is a monographic exhibition of a visionary voice in photography, immersive installation, painting and performance.
• Thu, Feb 15 - Sun, Jun 9
• Every week, Tue-Sat 10 a.m.-5 p.m., Sun 12-5 p.m.
• Free admission

Counterpoints at Durham Bottling Co.

• Counterpoints is a curated showcase of local AAPI (Asian American Pacific Islander) artists, delving into the convergence of AAPI identity and mental health. Inspired by the intricate layers of musical counterpoint, its purpose is to weave together diverse narratives and confront the stigma surrounding mental health within our communities.
• Wed, May 1 - Sun, June 16
• Mon - Fri, 10 a.m. - 4 p.m.

Cameron Elyse's Divine Nine Legacy Memoir Exhibition at Hayti Heritage Center

• The Divine Nine Legacy Memoir delves deep into the history of the National Panhellenic Council (NPHC) or "Divine Nine," a collective of nine Greek Letter organizations founded on May 10th, 1930.
• These organizations were born out of the necessity to provide a voice for Black American students within the collegiate space. United by principles of service, community, brotherhood, and sisterhood, the Divine Nine work collectively to uplift society through acts of service to underserved areas across the nation.
• Fri, Apr 19 - Sat, June 1
• Free admission

delusion

“delulu” moment, on the other hand, refers to “odd behavior but doesn't necessarily indicate a mental illness,” explains Minaa B. “An example may be if a celebrity follows an influencer's Instagram account, and the influencer begins spreading rumors the celebrity has a crush on them,” she says...Being “delulu” is not inherently bad...When done right, being delulu is not only safe but also healthy! In fact, Dr. Hoffman recommends practicing delulu thinking." https://www.verywellmind.com/should-you-embrace-delulu-thinking-8628811

violent doctors

malta psychiatrist "charged with domestic violence and harassment of his ex-partner." https://timesofmalta.com/article/psychiatrist-charged-domestic-violence.1092362

unhelpful

"United States Senate Commission on Mental Health Act of 2024, the goal would be to provide congress and the president independent policy recommendations by experts to improve access and affordability of mental health care services." https://www.wfmj.com/story/50774071/senator-fetterman-cosponsors-bill-to-establish-us-commission-on-mental-health poison pills will be more affordable when new york's 60,000 involuntary patients become voluntary and choose to spend less on drugs.

podcast

"explain a concept related to the commitment process in three minutes or less." https://mcdn.podbean.com/mf/web/wyefbz5x2pwptz4w/CC_Teaser.mp3

Due Process

n.y. times doesn't believe in constitutional right to a trial for any poison or electrocution. they need to learn what conflicts of interest are.

war zones

“If you go see a psychologist, it’s because you’re ‘crazy,’ and ‘crazy’ people are really discriminated against in Haiti,” he said." https://www.wral.com/story/violence-is-traumatizing-haitian-kids-now-the-countrys-breaking-a-taboo-on-mental-health-services/21428131/ Trauma is a normal reaction to being shot at. The quacks should be security guards.

nature

"denial of fresh air and outdoor access to individuals receiving psychiatric treatment in hospitals operated by NYC Health and Hospitals (H+H)...in jail or prison, they would instead be guaranteed the right to regular outdoor access." https://www.bkreader.com/health-wellness/patients-deprived-of-outdoor-access-at-city-run-psychiatric-hospitals-8709015

antipsychotic warning

"Warning letters to primary care physicians (PCPs) regarding overprescription of quetiapine were helpful in reducing overprescribing of this agent, new research suggested." https://www.medscape.com/viewarticle/do-antipsychotic-overprescribing-warning-letters-work-2024a1000928

talk therapy

"This editorial will focus on reviewing the psychological and psychosocial interventions that have been developed for psychosis...clinical outcome for people with schizophreniform illnesses has shown little demonstrable improvement." https://journals.lww.com/amhe/abstract/2014/15020/improving_access_to_psychosocial_interventions_for.5.aspx

overdose

singapore, "Mr Quek died of multiple organ failure four days after the last of these prescriptions was issued in 2012. He was 50 years old. The final prescription included a daily dosage of 60mg of antidepressant medication mirtazapine, which Dr Ang acknowledged went to the “edge of the killing range." https://www.straitstimes.com/singapore/courts-crime/psychiatrist-found-guilty-of-misconduct-over-prescriptions-that-deviated-from-guidelines

mediation

"Family Members at One Another’s Throats? Call In the Mediator." The only reason I was false arrested is parents' hate crimes. https://www.nytimes.com/2024/05/13/health/elder-care-family-mediators.html

baker act

florida, "from July 1, 2022 to June 30, 2023, there were 174,450 involuntary examinations statewide." https://www.naplesnews.com/story/news/local/2024/05/13/where-in-florida-are-the-most-involuntary-holds-for-mental-health/73517160007/

Overview
Citizens, Inc. is a boring Boomer company headquartered in Austin, TX that provides life insurance products, operating in the Southern U.S. as well as internationally in South America and the Pacific Rim. It has two main segments, Life Insurance and Home Service Insurance. I believe their stock is currently undervalued due to a variety of factors, which I will dive into here briefly.
Life Insurance = Latinos
The Life Insurance segment issues ordinary whole life insurance and endowment policies in USD-denominated amounts to non-U.S. residents through non-employee contractors in mostly Latin America via their Puerto Rican entity. These are attractive to people in these countries where there is rampant inflation because they receive payments back in USD. They provide them the option to receive money back in either cash or shares of CIA, meaning they literally market buy shares for these policyholders. They heavily advertise this, with the expectation that shares will grow in value over time. This has led to an estimated 70% of the float now being held by non-US residents. Why is this important? We’ll get to that later.
Citizens, Inc. is not a small regional bank, but is being valued like one
Life Insurance makes up about 70% of premiums with a renewal rate of 85%+, and premiums are collected upfront once per year. These funds are invested in available-for-sale ("AFS") fixed maturity securities, essentially corporate bonds, municipal bonds, and government obligation bonds with investment grade ratings. AFS means these are priced continuously as opposed to “Held to Maturity” which would be like how the banks measured their reserves. Due to rising interest rates, these securities have been marked down significantly even if they have not been sold yet, which has led to lower income in recent quarters and a net unrealized loss of $200M. Sound familiar? This is what happened with the banks like Silvergate and Silicon Valley bank - those banks died because there was a duration mismatch between the securities they owned and the fast rate of redemptions that occurred during the bank run. Those forced liquidations made the losses realized and the banks became insolvent. Pretty different story here - the closest thing to a bank run scenario here would be if policyholders all surrendered (cashed in) at once, however, they would incur a 10% fee in doing so. This makes it much less likely for Citizens to need to mass liquidate their holdings at once. The only other way they would have to realize these losses is if there were claims (aka people die).
My thesis is that Citizens is being incorrectly treated like a regional bank and undervalued based on these unrealized losses, which have not put the business at any risk for insolvency, and likely will not materialize by the time interest rates reverse course due to a Fed pivot.
Home Insurance
The Home Service Insurance segment makes up the other 30% or so in premiums and 10% of operating profits. The company offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas through funeral homes and independent agents. In general, the Home Insurance segment is relatively stable and is not their cash cow. It is however highly regulated inside of the U.S., which benefits the broader business since they share the same IT infrastructure to comply with AML and other compliance procedures and policies.
Financials
At a current market valuation of approximately $100M, with $27M in cash and generating approximately $25M in cash per year, the company is trading at an effective EV/E of 2, or PE of 4. This does not include ~$18M in additional income from unrealized gains on investments as interest rates begin to stabilize, which will increase once the Fed pivots.
Insider Activity and Hedge Fund Ownership
Over the past 12 months, insiders have increased their stakes, choosing to hold more of their vested shares vs selling them, and some insiders have made additional purchases in the open market. Leading hedge funds have also acquired sizable stakes, including Jim Simon’s Renaissance Technologies, which employs people even more autistic than myself, and SBF’s former regards over at Jane Street.
Risks
The company generates the lion’s share of its profits from non-US residents through their USD-denominated life insurance policies. They are essentially operating without a license in all of these countries, and there is a non-zero possibility that regulators could prevent them from continuing to sell there. If this happened, there would also be a big increase in policy surrenders, which would be no bueno. They mitigate much of that risk by off-loading it onto third-party contractors who do all of the selling on the ground, but who largely operate without supervision.
By also operating outside of the U.S., in particular in countries such as Venezuela and Colombia, they increase their potential opportunity to run afoul of anti-money laundering AML penalties and sanctions, which are no joke. The company claims they abide by best practices and have sufficient controls, and they are heavily regulated both in the U.S. and by their regulator in Puerto Rico. It is difficult to quantify this risk, but they seem to be doing enough based on my experience in the banking sector.
Interest rates have been largely to blame for the poor performance of the company’s stock over the past 2 years. As the Fed raised interest rates from 0% to 5.5%, they incurred a significant unrealized loss on their fixed maturity securities. This also raised the benchmark returns required on their insurance products, however it appears the main value proposition is still the inflation shield provided by being USD-denominated. The Fed has also signaled a shift in monetary policy and will likely cut rates this year, which should provide significant tailwinds for the company.
Not to mention… it’s the most heavily shorted stock in the world right now
If you’ve read this far, congratulations, because this is where it gets really interesting.
Currently 3.9M (8%) of shares are sold short.
The average daily volume is 55,000
That means the Days to Cover is over 70.
But wait… there’s more
Remember how I said that it’s estimated 70% of the float is held by non-US residents? Well, with another ~18% owned by institutions/insiders, this means that only ~4.8M shares are actually liquid.
There are simply not enough shares available for shorts to close out their positions without a massive increase in the price. I don’t invest in something based solely on this, but it’s hard to ignore the squeeze potential here.
Shareholders deserve better
After pouring through this company, I came to realize that, aside from the financials, this is also very much a story of Wall Street vs. Main Street. On its surface, the financial products this company sells seem predatory, but they do provide an important shield from persistent inflation and economic insecurity in these countries. And the fact that many of them elect to receive their distributions in the form of stock, means that they are being hurt by the persistent shorting going on, which, in my opinion, has caused a dislocation from the intrinsic value of the company.
On one side, you have big market makers shorting the stock to 0, and on the other side you have over 84,000 largely poor, non-US based shareholders.
I’m not here to take sides, I just like the stock.
Disclosure: I am currently long both stock and options. Please do your own research before making any investment decisions.

Any updates on the Pensacola recycling trainwreck? I live in Pensacola proper, had my bins removed whenever they did that, and then somehow I allowed the city to saddle me with a self-service that I pay somebody else to do. So do we all just sit around like assholes and just take it? Your bins were removed, but your recycling fee was never reduced. Sure the city is telling you there are dropoff points, but that wasn't the agreement, thats not the service we're paying for. So today I quit recycling, a corner of my yard has become a holding site for the city, and they can just about fuck off with that, Im not using my property to make the cities responsibilities less anymore. Im also tired of corporations spewing garbage into the environment and then blaming me for not doing my part, Im fucking done. So here I am with a partial rant, but also really wanting to hold the city accountable. Do the rest of you all give a shit you're being charged for a service that is no longer being provided? Is anybody doing something about it, do we want to do something about it?

My son is in a small club (~80 high school athletes) that strives to be a Nationally competitive club. Over the years, we've repeatedly had a boat or two at Nationals. I am wondering how other clubs handle the expenses, because for us, we have to wait until the regional qualifiers to know if we're going, and at that point, it's 2 weeks to book flights and hotels in Florida. Not ideal.
Additionally, our club has parents provide for the costs of boat transportation, athlete transportation and hotel, head coach's transportation and hotel, head coach's per diem, along with entry fees and US Rowing membership bump. The club provides nothing but the boats in our yard. It seems counterproductive to wash your hands from the costs of Nationals, when you trumpet your Nationals success as a bragging point of the club.
How do other clubs handle this?

In the dynamic world of e-commerce, dropshipping has emerged as a popular business model due to its low entry barriers and minimal upfront investment. Entrepreneurs can sell products directly to customers without holding any inventory, with suppliers handling storage, packaging, and shipping. However, the success of a dropshipping business hinges significantly on choosing the right dropshipping network. For more info you can visit Stelvel EOOD company website. Here's how you can make an informed decision to partner with the best dropshipping network for your business needs.

Understand What a Dropshipping Network Offers

A dropshipping network connects sellers with suppliers who dropship products. These networks can simplify the process of finding and partnering with reliable suppliers, and often provide a platform that facilitates product selection, order processing, and inventory management. Understanding the features and services of different networks is crucial as it directly impacts your business operations.

1. Evaluate the Product Range

Your choice of network should align with the type of products you want to sell. Look for networks that offer a wide range of products that fit your niche and target market. The quality of products available is also paramount, as it affects customer satisfaction and return rates. It’s beneficial to choose a network that provides detailed product descriptions and high-quality images.

2. Consider Supplier Quality and Reliability

The reliability of suppliers within the network is crucial. A good dropshipping network will only partner with suppliers who have a track record of fulfilling orders accurately and on time. Check the network’s vetting process for suppliers and read reviews from other users about their experiences. You might also want to test the suppliers by ordering a few products yourself to check for delivery times, product quality, and packaging.

3. Look at Technological Integration

A network’s technology should seamlessly integrate with your e-commerce platform. This includes real-time inventory updates, automated order processing, and tracking information. Effective integration reduces the chances of selling products that are out of stock and enhances customer service by providing timely updates.

4. Assess Costs and Membership Fees

Most dropshipping networks charge a fee, which can be a flat monthly rate, a percentage of sales, or per-order fees. Understand all costs involved and analyze how they fit into your budget and pricing strategy. Consider networks that offer different levels of membership depending on your sales volume and business needs, as this can provide more flexibility and scalability.

5. Check for Scalability

As your business grows, your needs will change. The dropshipping network should be able to scale with your business, offering more products, additional suppliers, or enhanced services as your order volume increases. Networks that can scale easily will support your growth without requiring frequent changes in partners.

6. Review Marketing Support

Some dropshipping networks provide marketing tools and support, which can be invaluable for driving sales. This might include customizable product data for creating attractive listings, promotional materials, and SEO advice. A network that supports your marketing efforts can significantly enhance your business’s visibility and sales potential.

7. Analyze Customer Service and Support

Good customer service from the network is essential, especially when issues arise. You’ll want a network that offers timely and helpful support. Check the availability and responsiveness of their customer service team. Being able to rely on quick support can make a significant difference in managing the day-to-day operations of your business.

8. Read Reviews and Gather Feedback

Lastly, research the network extensively. Read reviews, join forums, and talk to other entrepreneurs who use the network. Their experiences can provide insights into the reliability and effectiveness of the network and highlight potential problems you might encounter.

Conclusion

Choosing the right dropshipping network is a critical decision that can determine the trajectory of your e-commerce business. By thoroughly researching and comparing the offerings of different networks, you can find a partner that not only meets your current needs but also supports your business as it evolves and grows. With the right network, dropshipping can be a highly profitable and rewarding venture.

In the complex world of cargo transportation, businesses rely on brokerage services to navigate the logistical challenges of shipping goods efficiently and economically. A brokerage services company acts as an intermediary between shippers and carriers, playing a crucial role in managing the movement of freight across global networks. Choosing the right partner such as Sargona Private Capital in Greece in this sector is essential for ensuring timely deliveries, reducing costs, and maintaining the integrity of shipments. Here’s how to select the right brokerage services company for your cargo transportation needs.

1. Assess Industry Expertise and Market Knowledge

The first criterion should always be industry expertise. A competent brokerage firm should not only understand the fundamentals of freight brokerage but also possess deep insights into your specific market sector, whether it's perishables, automotive parts, or consumer goods. Their expertise can prove invaluable in navigating regulatory requirements, handling customs, and managing specialized freight needs.

2. Verify Licensing and Credentials

In the cargo transportation industry, it’s critical that a brokerage firm is properly licensed and compliant with industry regulations. In the United States, this means checking that the broker has a Federal Motor Carrier Safety Administration (FMCSA) license. Additionally, verify memberships in relevant industry associations like the Transportation Intermediaries Association (TIA) which can indicate a commitment to best practices and ethical standards.

3. Evaluate Network and Carrier Relationships

The effectiveness of a brokerage firm is largely determined by the strength and breadth of its carrier network. A robust network means more options and backup plans for your shipments. Investigate the firm’s selection criteria for carriers, how they maintain relationships, and their ability to handle different volumes of cargo. A more extensive network often translates to better rates and more flexibility in meeting your shipping needs.

4. Consider Technology and Tools

Technology plays a pivotal role in modern freight brokerage. Effective firms utilize advanced Transportation Management Systems (TMS) to track shipments in real-time, manage routes and carriers, and optimize logistics. The ability to provide real-time data and visibility into the shipping process is crucial for scheduling and managing your supply chain efficiently.

5. Check Financial Stability

The financial health of a brokerage service is crucial, especially when it comes to handling your freight needs during economically turbulent times. Stability often means that the brokerage can maintain consistent service levels, manage payments to carriers promptly, and invest in technology and staff training.

6. Analyze Service Flexibility and Scalability

Every business’s needs are unique and can change over time. A good brokerage service should offer flexibility in handling different types of cargo and scalability to adjust to your business’s growing or shifting needs. This includes having the capability to manage peak seasons, varying shipment sizes, and emergency situations without hiccups.

7. Scrutinize Customer Service and Support

High-quality customer service is essential. Problems such as delays, lost cargo, or documentation errors need to be resolved swiftly and effectively. Evaluate the brokerage’s communication processes, availability for queries and support, and their problem-solving approach. Responsive and proactive customer service can differentiate an excellent brokerage service from an average one.

8. Review Pricing and Fee Structures

Transparent and competitive pricing is fundamental. Request detailed quotes and understand the fee structures thoroughly—this includes identifying any hidden costs or potential additional charges that might arise. It's not always about choosing the lowest bidder but finding the best value that combines reasonable costs with reliable service.

9. Read Reviews and Seek Referrals

Lastly, leverage the experiences of others. Read online reviews, case studies, and testimonials to gauge the brokerage’s reputation. Additionally, seek referrals from within your network. Personal recommendations can provide honest insights and help you gauge the firm’s effectiveness and reliability in real-world operations.

Conclusion

Selecting the right brokerage services company for cargo transportation is critical to the success of your logistical operations. A strategic approach to choosing a broker can lead to improved operational efficiency, cost savings, and enhanced service delivery, ultimately providing a competitive edge in the fast-paced world of commerce.

Netsuite is the #1 integration (other than Salesforce, of course) that I get asked about, so I decided to put together a comprehensive guide, including a info-packed 11-minute video, which you can watch here.
Integrating NetSuite with HubSpot is a powerful strategy for bridging the gap between Enterprise Resource Planning (ERP) and Customer Relationship Management (CRM) systems. This integration facilitates enhanced efficiency and provides deeper insights across various organizational functions.

Integration Options

HubSpot's Data Sync connector for Netsuite
1. Custom API Integration

• Pros: Highly customizable; allows specific data fields and workflows integration.
• Cons: Requires significant development effort and ongoing maintenance.

2. Third-Party Integration Platforms

• Examples: Celigo, Make, Boomi, Workato.
• Pros: User-friendly interfaces and easier setup.
• Cons: Less flexible and costs may vary depending on data volume and workflow complexity.

3. NetSuite SuiteApps

• Example: HubSpot Connector for NetSuite.
• Pros: Deep integration and compatibility; straightforward installation.
• Cons: May not cover all custom requirements and depends on third-party updates.

4. HubSpot Data Sync

• Pros: Easy to install with out-of-the-box capabilities; supported by HubSpot for updates.
• Cons: Limited customization options.

Considerations for Choosing an Integration Option

• Complexity of Needs: The more complex your integration needs, the more likely a custom integration or a robust iPaaS solution will be necessary.
• Resource Availability: Consider your available technical resources and expertise. A custom API integration will require skilled developers, while iPaaS solutions are more accessible to non-technical users.
• Budget: Custom integrations can be costly both in development and maintenance, while third-party platforms and connectors may have recurring subscription fees.
• Scalability: Ensure the chosen solution can scale with your business needs, handling increased data volume and additional integration points over time.
• Data Synchronization Requirements: Consider the frequency and volume of data synchronization needed. Real-time data sync may be crucial for some businesses, while others may suffice with periodic updates.

GTM Use Cases

Subscription Renewal Workflow
Marketing

• Customer Segmentation: Utilize purchase history from NetSuite to target marketing efforts in HubSpot.
• Win-Back Campaigns: Use subscription and cancellation data to re-engage customers.
• Inventory-Based Promotions: Leverage real-time inventory data to manage promotions and upselling.

Sales

• Realized Revenue Reporting: Focus on actual revenue in HubSpot for accurate commission tracking.
• Real-Time Inventory and Pricing: Provide sales teams with up-to-date product information to enhance customer interactions.
• CPQ Integration: Streamline quoting by integrating NetSuite’s CPQ capabilities within HubSpot.

Customer Success

• Service History Integration: Offer comprehensive support by accessing detailed customer service histories.
• Subscription Renewal Automation: Automate renewal communications based on subscription data.
• Account Health Alerts: Setup alerts for late payments to proactively engage customers and reduce churn.

Conclusion

Integrating NetSuite with HubSpot not only streamlines operations but also amplifies the effectiveness of marketing, sales, and customer service efforts. This unified approach leads to better customer insights, more efficient operations, and ultimately, accelerated organizational growth.
If you need help integrating Netsuite and HubSpot, reach out to Aptitude 8!

In today's fast-paced digital world, where time is of the essence, managing multiple tasks and responsibilities can be overwhelming. Whether you're a busy professional, a thriving entrepreneur, or someone looking to regain control over your schedule, my virtual assistant services are here to revolutionize the way you work.

Embrace the Power of Virtual Assistance

As a seasoned virtual assistant, I understand the challenges of juggling various tasks while striving for success. My mission is to alleviate your workload, allowing you to focus on what truly matters – your core business objectives. Here's how my virtual assistant services can make a difference:

1. Efficient Task Management:

• Say goodbye to the endless to-do lists that seem to multiply overnight. I specialize in organizing tasks, setting priorities, and ensuring that nothing falls through the cracks. From scheduling appointments to managing emails, consider it done.

2. Streamlined Communication:

• Effective communication is the backbone of any successful venture. I'll handle your emails, respond to inquiries, and keep your professional networks updated. You can trust me to maintain a seamless flow of communication, leaving you with more time for strategic decision-making.

3. Research and Analysis:

• Stay ahead of the curve with thorough research and insightful analysis. Whether it's market trends, competitor analysis, or industry updates, I'll provide you with the information you need to make informed decisions.

4. Social Media Management:

• In today's digital age, a strong online presence is non-negotiable. I'll take the reins of your social media accounts, curate engaging content, and interact with your audience to boost your brand's visibility.

How It Works

1. Consultation:
   
   • We'll start with a comprehensive consultation to understand your specific needs, goals, and preferences. This allows me to tailor my services to align with your unique requirements.
2. Customized Solutions:
   
   • I don't believe in one-size-fits-all solutions. I'll develop a personalized plan that addresses your pain points and optimizes your workflow, promoting efficiency and productivity.
3. Collaborative Approach:
   
   • Communication is key. Throughout our partnership, we'll maintain open lines of communication to ensure that my services continually evolve to meet your changing needs.
4. Transparent Pricing:
   
   • My pricing is transparent and fair. No hidden fees or surprises – just a straightforward commitment to enhancing your productivity.

In today's fast-paced digital world, where time is of the essence, managing multiple tasks and responsibilities can be overwhelming. Whether you're a busy professional, a thriving entrepreneur, or someone looking to regain control over your schedule, my virtual assistant services are here to revolutionize the way you work.

Embrace the Power of Virtual Assistance

As a seasoned virtual assistant, I understand the challenges of juggling various tasks while striving for success. My mission is to alleviate your workload, allowing you to focus on what truly matters – your core business objectives. Here's how my virtual assistant services can make a difference:

1. Efficient Task Management:

• Say goodbye to the endless to-do lists that seem to multiply overnight. I specialize in organizing tasks, setting priorities, and ensuring that nothing falls through the cracks. From scheduling appointments to managing emails, consider it done.

2. Streamlined Communication:

• Effective communication is the backbone of any successful venture. I'll handle your emails, respond to inquiries, and keep your professional networks updated. You can trust me to maintain a seamless flow of communication, leaving you with more time for strategic decision-making.

3. Research and Analysis:

• Stay ahead of the curve with thorough research and insightful analysis. Whether it's market trends, competitor analysis, or industry updates, I'll provide you with the information you need to make informed decisions.

4. Social Media Management:

• In today's digital age, a strong online presence is non-negotiable. I'll take the reins of your social media accounts, curate engaging content, and interact with your audience to boost your brand's visibility.

How It Works

1. Consultation:
   
   • We'll start with a comprehensive consultation to understand your specific needs, goals, and preferences. This allows me to tailor my services to align with your unique requirements.
2. Customized Solutions:
   
   • I don't believe in one-size-fits-all solutions. I'll develop a personalized plan that addresses your pain points and optimizes your workflow, promoting efficiency and productivity.
3. Collaborative Approach:
   
   • Communication is key. Throughout our partnership, we'll maintain open lines of communication to ensure that my services continually evolve to meet your changing needs.
4. Transparent Pricing:
   
   • My pricing is transparent and fair. No hidden fees or surprises – just a straightforward commitment to enhancing your productivity.

In today's fast-paced digital world, where time is of the essence, managing multiple tasks and responsibilities can be overwhelming. Whether you're a busy professional, a thriving entrepreneur, or someone looking to regain control over your schedule, my virtual assistant services are here to revolutionize the way you work.

Embrace the Power of Virtual Assistance

As a seasoned virtual assistant, I understand the challenges of juggling various tasks while striving for success. My mission is to alleviate your workload, allowing you to focus on what truly matters – your core business objectives. Here's how my virtual assistant services can make a difference:

1. Efficient Task Management:

• Say goodbye to the endless to-do lists that seem to multiply overnight. I specialize in organizing tasks, setting priorities, and ensuring that nothing falls through the cracks. From scheduling appointments to managing emails, consider it done.

2. Streamlined Communication:

• Effective communication is the backbone of any successful venture. I'll handle your emails, respond to inquiries, and keep your professional networks updated. You can trust me to maintain a seamless flow of communication, leaving you with more time for strategic decision-making.

3. Research and Analysis:

• Stay ahead of the curve with thorough research and insightful analysis. Whether it's market trends, competitor analysis, or industry updates, I'll provide you with the information you need to make informed decisions.

4. Social Media Management:

• In today's digital age, a strong online presence is non-negotiable. I'll take the reins of your social media accounts, curate engaging content, and interact with your audience to boost your brand's visibility.

How It Works

1. Consultation:
   
   • We'll start with a comprehensive consultation to understand your specific needs, goals, and preferences. This allows me to tailor my services to align with your unique requirements.
2. Customized Solutions:
   
   • I don't believe in one-size-fits-all solutions. I'll develop a personalized plan that addresses your pain points and optimizes your workflow, promoting efficiency and productivity.
3. Collaborative Approach:
   
   • Communication is key. Throughout our partnership, we'll maintain open lines of communication to ensure that my services continually evolve to meet your changing needs.
4. Transparent Pricing:
   
   • My pricing is transparent and fair. No hidden fees or surprises – just a straightforward commitment to enhancing your productivity.

In today's fast-paced digital world, where time is of the essence, managing multiple tasks and responsibilities can be overwhelming. Whether you're a busy professional, a thriving entrepreneur, or someone looking to regain control over your schedule, my virtual assistant services are here to revolutionize the way you work.

Embrace the Power of Virtual Assistance

As a seasoned virtual assistant, I understand the challenges of juggling various tasks while striving for success. My mission is to alleviate your workload, allowing you to focus on what truly matters – your core business objectives. Here's how my virtual assistant services can make a difference:

1. Efficient Task Management:

• Say goodbye to the endless to-do lists that seem to multiply overnight. I specialize in organizing tasks, setting priorities, and ensuring that nothing falls through the cracks. From scheduling appointments to managing emails, consider it done.

2. Streamlined Communication:

• Effective communication is the backbone of any successful venture. I'll handle your emails, respond to inquiries, and keep your professional networks updated. You can trust me to maintain a seamless flow of communication, leaving you with more time for strategic decision-making.

3. Research and Analysis:

• Stay ahead of the curve with thorough research and insightful analysis. Whether it's market trends, competitor analysis, or industry updates, I'll provide you with the information you need to make informed decisions.

4. Social Media Management:

• In today's digital age, a strong online presence is non-negotiable. I'll take the reins of your social media accounts, curate engaging content, and interact with your audience to boost your brand's visibility.

How It Works

1. Consultation:
   
   • We'll start with a comprehensive consultation to understand your specific needs, goals, and preferences. This allows me to tailor my services to align with your unique requirements.
2. Customized Solutions:
   
   • I don't believe in one-size-fits-all solutions. I'll develop a personalized plan that addresses your pain points and optimizes your workflow, promoting efficiency and productivity.
3. Collaborative Approach:
   
   • Communication is key. Throughout our partnership, we'll maintain open lines of communication to ensure that my services continually evolve to meet your changing needs.
4. Transparent Pricing:
   
   • My pricing is transparent and fair. No hidden fees or surprises – just a straightforward commitment to enhancing your productivity.

In today's fast-paced digital world, where time is of the essence, managing multiple tasks and responsibilities can be overwhelming. Whether you're a busy professional, a thriving entrepreneur, or someone looking to regain control over your schedule, my virtual assistant services are here to revolutionize the way you work.

Embrace the Power of Virtual Assistance

As a seasoned virtual assistant, I understand the challenges of juggling various tasks while striving for success. My mission is to alleviate your workload, allowing you to focus on what truly matters – your core business objectives. Here's how my virtual assistant services can make a difference:

1. Efficient Task Management:

• Say goodbye to the endless to-do lists that seem to multiply overnight. I specialize in organizing tasks, setting priorities, and ensuring that nothing falls through the cracks. From scheduling appointments to managing emails, consider it done.

2. Streamlined Communication:

• Effective communication is the backbone of any successful venture. I'll handle your emails, respond to inquiries, and keep your professional networks updated. You can trust me to maintain a seamless flow of communication, leaving you with more time for strategic decision-making.

3. Research and Analysis:

• Stay ahead of the curve with thorough research and insightful analysis. Whether it's market trends, competitor analysis, or industry updates, I'll provide you with the information you need to make informed decisions.

4. Social Media Management:

• In today's digital age, a strong online presence is non-negotiable. I'll take the reins of your social media accounts, curate engaging content, and interact with your audience to boost your brand's visibility.

How It Works

1. Consultation:
   
   • We'll start with a comprehensive consultation to understand your specific needs, goals, and preferences. This allows me to tailor my services to align with your unique requirements.
2. Customized Solutions:
   
   • I don't believe in one-size-fits-all solutions. I'll develop a personalized plan that addresses your pain points and optimizes your workflow, promoting efficiency and productivity.
3. Collaborative Approach:
   
   • Communication is key. Throughout our partnership, we'll maintain open lines of communication to ensure that my services continually evolve to meet your changing needs.
4. Transparent Pricing:
   
   • My pricing is transparent and fair. No hidden fees or surprises – just a straightforward commitment to enhancing your productivity.

*all addresses are not real but I can tell you it IS happening. So, we live at 48 Trundle Road, anytown, XX. Google/Apple/Mapquest are all ok locating our address and providing directions to it BUT all these online delivery services like Uber Eats, Slice.com all have issues with it resorting to 48 Trindle Road (NOT Trundle), in the same town. Our order has the correct address, their receipt has the correct address but when they get directions to 48 Trundle Road they get directed to 48 Trindle Road (~4 miles away) - so they cancel the order and we're left w/out dinner. My SO just looked up a dentist in the area and her search pre-populated with 48 Trindle Road... Who/what/where can we contact to look at this?
It's happened with TotalWine, GrubHub and several other vendors -- but I can't seem to reproduce it... Shit I even pin-corrected the address for Slice.com dropping the pin on our house and delivery driver still went to 48 Trindle Road...
NOTE: We do not have any problems using maps to/from our address at all.
Anybody have any inkling of where we can go to have this looked into?

Hi all! I think I am just looking for mostly reassurance at this point regarding taking care of my grandma. Here is my situation (buckle up, this is a long one):
I was estranged from my biological father and his family from my teen years until about 2 years ago. Long story short, my parents got divorced when I was 2, my mom moved me out of state when she married my stepfather and I spent every summer in childhood visiting my father's family. For context, I am the only child of my father (my mom had other children from a later marriage, my half siblings, my father never had any more kids). Around my teen years, those visits stopped and I just kept in contact with my biological grandmother on my dad's side through the occasional letters over the years. I have a lot of resentment toward my parents for their poor decision making and how it's affected so much of how I act in my relationships as an adult. I have sought out therapy and am doing my best to recover.
In May of 2022, I received a phone call from my paternal grandma (who was 97 at the time), which was so unusual and very nerve-wracking because she never called me, we only communicated through letters. She told me that my father was very sick but couldn't give me many details. She was very hard of hearing and knew nothing about his illness except that it was a "blood disease." My father had been divorced 3 times and after the 3rd one, he moved in with my grandma and they were great friends. I think it was a good arrangement for them both. After that phone call, I did a lot of thinking and soul searching and decided that I should visit my father.
My husband (who never met this side of my family) visited my father and grandma later that month. I was shocked at their condition. My father never got up from his chair and looked so frail and sick. My grandma was actually in better health than him despite her age, but she still obviously couldn't care for him in his sickness. She could barely get up from her chair and was very unsteady walking around. I tried to get details from my father about his health but he was confused and unable to tell me anything concrete. But he did tell me that hospice was coming to see him the next day. So we came back the next day to be there when the hospice intake nurse came. He was even more confused the next day, couldn't spell his middle name or answer questions clearly. I did my best to answer questions (even though I barely knew him since we had been estranged for so long) and provided my phone number as a contact for them. It was all incredibly overwhelming. That meeting ended with my father wanting a little more time to think about it before being officially admitted to hospice. My husband and I went back home and I was overwhelmed about everything.
A few days later, I got a phone call from hospice. My father had reached a point where he was incontinent and belligerent and my grandma called the phone number on the card the hospice worker had left from her visit because she was desperate for help. I was suddenly thrust into a situation of trying to make decisions for a man I barely knew states away. It was obvious my 97 year old grandmother could no longer care for him at home, so he was taken to the hospital. I was able to talk with his doctor over the phone who told me that he had leukemia. The treatment he had been receiving was not working and he estimated that my father had 6 weeks to live. He would be admitted to an inpatient hospice facility until he died. I barely was able to process that because there was another huge issue: who is going to look after my grandma after he dies?
(A little more family background here: my father has an older brother who lives out of state. The two brothers never got along and from what I hear, my uncle had the tendency to rub people the wrong way. My uncle only communicated with his mother - my grandma - through the occasional birthday and Christmas card. That uncle has 2 kids, my cousins, who live in the same state as my uncle. The older cousin calls my grandma once in a while. My grandma has distant relatives who live about 45 minutes away and visit very occasionally.)
My husband and I talked a lot and I decided that I needed to go and stay with my grandma while my dad was in hospice. I was able to work remotely and so was my husband, so we made the drive back to my grandma's house and stayed with her, taking her to visit my dad every day, cooking, cleaning, etc.
My dad died on May 31, 2022, only about a week after he was admitted to hospice. I handled all the logistics and planning of the funeral. My grandma, who was totally competent mentally, was stone cold deaf and emotionally unable to handle any of it, so I was left to do everything, despite barely knowing him and not really having the chance to process my own very complicated grief at losing an estranged parent. Fortunately he had the wisdom to take out a life insurance policy years before with me as the beneficiary and I was able to pay for the funeral with that money.
And instead of his death being the end of something, it was the beginning of the most stressful time in my adult life. I spent day and night looking into care options for my grandma. We finally got her some hearing aides (something my father never thought to do for her I guess) and I spent hours on the internet, researching what is covered by Medicare, if she was eligible for Medicaid, etc. I called her state's agency for aging, multiple home health aide companies, the works. We had to go back to our home state to resume our lives, and all the while, my mental energy was spent on worrying about her and running through every option for care over and over again.
And here we are, TWO YEARS LATER. My grandma is now 99 years old at the end of this month. In May of last year, my husband very unexpectedly and heartbreakingly lost his job of 12 years. After that happened, we decided it was time to pick up our lives and move in with our grandma. While we were living in our state and she alone in hers after my dad died, I called her pretty much every day to check on her. I was constantly anxious and on edge. We visited her as much as we could but it is a long drive and we couldn't always put our lives on hold to visit her.
We moved in in December. And it has absolutely been one of the hardest times of my life. My husband and I are in dire straits financially (he is still struggling to find consistent work and my work is seasonal, we're just getting into my busy season but honestly, I don't make a lot of money). My grandma can still barely hear with her hearing aides in so I always have to raise my voice to talk to her and repeat myself multiple times. I spend hours of my time taking her to doctor's appointments (which is not an easy feat because she is wheelchair bound outside of the home), on the phone with doctors, picking up medicine, etc. I feel constant pressure to make sure she cared for. Overall she is a pleasant person but she is also a master of Italian Catholic guilt and passive aggressiveness. There is no one else to help us. I feel like I am slowly dying inside little by little every day.
So if you've made it this far, here is where I am looking for reassurance. We have to go back to our home state multiple times this summer for family obligations and my work (I am a wedding photographer and contracted to photograph weddings this summer back home). For example, at the end of May, we have to be gone for over 2 weeks to go to multiple graduations of nieces and nephews, open houses, etc. And I feel extremely guilty for leaving.
Here is more about my grandma and her current status for context:

• She is perfectly coherent mentally. Totally capable of taking her own medicine (which is not too much considering her age).
• She has a shower aide come once a week to help her in the shower. She has a walk in shower with a chair and extendable shower head. She also had handles on the toilet we recently installed. She dresses herself every day.
• She is unsteady on her feet but relies on her walker in the house. She is good about using it and doesn't go without it.
• She still cooks a little, uses the stove to boil vegetables, etc. Uses the microwave for her instant coffee, soups and TV dinners. I cook dinners regularly and she will often eat what I make.
• She has Medicare and supplemental insurance. She is not eligible for Medicaid. She owns her house outright and has about $60,000 in savings. She is unwilling to pay for private home health aides to come in our absence and unfortunately, my husband and I cannot afford them.
• She was on hospice care after my dad died. Her PCP knew the situation, that she would be alone, so she referred to us to hospice so she would at least have a nurse check on her once a week. It was extremely hard to get her admitted and she was able to stay on their service up until a few weeks ago, when they booted her because she is not deteriorating. I understand that hospice is for end of life care and just because someone is 99 it doesn't mean they automatically qualify. But it's a little scary losing that safety net.
• I tried to enroll her in VA benefits because her husband was a veteran. They denied her because she makes too much in social security every month.
• She hates being alone and has brought up multiple times how worried she is to be alone while we're gone.

Here are the things we have set in place to help care for her in our absence:

• We have one camera set up in the living room where she spends most of her time. Only my husband and I can access the camera remotely via our phones when needed to check on her. I am going to talk to her about installing 2 more, one in the kitchen and one in her bedroom.
• She has a Life Alert that she wears around her neck. She very good about wearing it all the time.
• Her shower aide will be here once a week.
• She has 2 neighbors who are great about checking in on her when needed. They both have keys to the house. I also have a group text of a handful of people in the area she is friends with who have keys to the house and can come over in an emergency. I am going to text everyone to let them know the dates we will be gone and ask them to call and check on her regularly.

So my question is this: is this enough? Can I leave her and not feel guilty? I've spent countless hours and tears struggling with this question.
(Thank you to all of you who read all this and my prayers are with you on your own caregiving journeys!)