Diagrams for lab values

Homelab

2012.06.19 21:22 Homelab

Welcome to your friendly /homelab, where techies and sysadmin from everywhere are welcome to share their labs, projects, builds, etc.

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2013.07.10 22:21 Dvdrummer360 Medical Questions

Having a medical issue? Ask a doctor or medical professional on Reddit! All flaired medical professionals on this subreddit are verified by the mods.

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2017.05.22 20:39 Eklektikos Medical School Anki

Anki For Medical School + Boards

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2024.05.14 09:35 BeautifulComplete274 Chem ATP probable answers

These are my answers, and i'm pretty sure abt them all except the burette one and the air hole one 1ai) measuring cylinder ii) because pipette is used to measure 25 cm3 of liquid but here we only need 20cm3 of the acid iii) slowly pump up the liquid using pipette until it just reaches the 25cm3 mark point iv) burette is used to add the potassium manganate bi) the colour change is more easily observed in this reaction without an indicator (colorless to pink) bii) until we obtain at least two values which have a maximum difference of 0.2cm3
2a) just insert value in the table from the diagram ii) 6.5 degrees iii) the temperature decreases largely in the first 60 seconds and then slowly increases for the rest of the 240 seconds bi) 19.5 the temperature of the mixture would equillibriate and and eventually reach the room temperature (which is the initial temperature of the water) bii) it is stirred so the temperature is same throughout the mixture biii) endothermic, energy is absorbed as the temperature falls from 19.5 to 13.0, it means the reactants absorb energy from the surrounding and cool down ci) take the thermometer reading from eye level to avoid parallax error cii) the thermometer was touching the beaker improvement: make sure to hold the thermometer so it doesnt touch the bottom of the beaker and is measuring the temperature of mixture and not the beaker
3ai) the flame turns yellow ii) so that air can escape (?) iii) carbon dioxide gas is produced which means R has carbonate ions iv) white ppt forms bi) it does not have chloride, bromide or iodide ions bii) (dont remember the question or even whether there was any or not) ci) test: hold damp red litmus paper over the warmed mixture observation: litmus does NOT turn blue cii) sodium carbonate and sodium sulfate d) add dilute nitric acid and aqueous silver nitrate to P. Do the same with the aqueous potassium bromide and potassium chloride in seperate test tubes. Match color of the ppt formed in P with the two test tubes. dii) drew the diagram of conical flask connected to a delivery tube and gas syringe and another of a beaker of limewater with the gas syringe inserted into it explained that the gas is collected using the gas syringe and released into the limewater by dipping the gas syringe into it
4) measure a mass of copper(or was it calcium?) carbonate using top pan balance pour the measured mass into a conical flask and close it with air tight bung. through the gap in the bung, add excess acid and instantly connect it to a delivery tube attached to a gas syringe. make sure the bung is tightly attached to flasks opening so no gas escapes collect the gas

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2024.05.14 09:27 Serious-Clothes8523 Good value semi max th 14. max heros and 95% lab done. Dm me for pictures and price. No scammers!

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2024.05.14 08:23 MyNameIsKrishVijay Help on McFadden R-squared

Need some help.
Currently, I'm trying to use the modeling approach for a Best-worst Scaling (BWS) study. Following this guide, I tried to calculate a McFadden R-square value manually for a model without intercept.

LL0 <- - 90 * 7 * log(12) # the value of log-likelihood at zero LLb <- as.numeric(md.out$logLik) # the value of log-likelihood at convergence 1 - (LLb/LL0) # McFadden's R-squared

Based on the guide given, my best guess is 90 = number of observations
7 = total number of variables (including omitted "washfree")
12 = "Frequencies of alternatives:choice"
The issue however is when I tried to perform the calculation on my own study, my McFadden R-squared value is negative.
Number of observations: 282, number of variables: 13, Frequencies of alternative choice: 4
Where did I go wrong? Perhaps my understanding of the guide is wrong?

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2024.05.14 08:15 fabulouslasvegasesco Diamond Reserve: The Future of Investment in the Digital Age

I’ve recently come across an intriguing investment opportunity called Diamond Reserve, and I think it could be a game-changer in how we view asset ownership. Here’s the scoop:
Diamond Reserve is pioneering the tokenization of high-end lab-grown diamonds. By doing so, they allow investors to purchase fractional ownership in these gems. Traditionally, investing in diamonds meant buying and storing entire stones, which isn’t practical for everyone. With Diamond Reserve, you can now own a fraction of a diamond’s value, opening up this asset class to a broader range of investors.
Why is this exciting?

Intrinsic Value: Diamonds are renowned for their rarity and beauty, making them a stable investment.
Portfolio Diversification: Adding diamonds to your portfolio helps spread risk and can protect against market volatility.
Digital Convenience: The fusion of physical and digital realms means you can invest in something tangible without the hassle of physical storage.

This concept really caught my attention because it blends the enduring value of diamonds with the modern convenience of digital assets. It’s a fresh approach to preserving and growing wealth, especially in uncertain times.

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2024.05.14 07:21 stefans85 How to get exact data from excel into powerBI?

Hey all,
I have an excel sheet which has calculated some values:
https://docs.google.com/spreadsheets/d/e/2PACX-1vRtNpd4Wk170Jn5YS6bqyD5HzexMhn8pR_Kx-0zi4lkUOKfeNZoeeG_afDQLlbsDb3h8chMeorTApAF/pubhtml?gid=1727104033&single=true
Unfortunately german. But this are different trailers for american truck sim and values I extracted and calculated. What I want is a diagram to show which trailer (Auflieger) gives most money. For this first example I took chemtrailers (Chemieauflieger) and the profit per 1000km (Gewinn/1000km).
But what I get is not what I expected:
https://preview.redd.it/1zqzlamrtb0d1.png?width=1957&format=png&auto=webp&s=fced6b6ee075c02297caa9b95d4d3e8eb1430246
Where is my epic fail in this? I also tried to change X and Y axis but the result is always 1 and not the value specified in the sheet.
Many thanks in advance for every help.

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2024.05.14 07:05 EyeZoneOptometry Redefining Ownership: The Power of Tokenized Diamonds with Diamond Reserve

Are you searching for a revolutionary way to invest that transcends traditional boundaries? Look no further than Diamond Reserve. In a world where the financial landscape is constantly evolving, Diamond Reserve stands out as a beacon of innovation, offering a unique fusion of physical and digital assets.
By tokenizing high-end lab-grown diamonds, Diamond Reserve empowers investors to participate in fractional ownership of tangible assets with enduring value. This groundbreaking approach redefines ownership, allowing individuals to diversify their investment portfolios and mitigate risks associated with market volatility.
The allure of diamonds as a store of wealth is undeniable, and Diamond Reserve amplifies this appeal by making it accessible to everyone. Whether you're a seasoned investor or new to the game, Diamond Reserve provides an opportunity to preserve and grow wealth for future generations.
Join the movement and experience the power of tokenized diamonds with Diamond Reserve. Discover a new way to invest, where the beauty and prestige of diamonds meet the security and transparency of blockchain technology.

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2024.05.14 07:02 TerribleSell2997 Space Sensors Market Increasing Demand, Growth Analysis and Future Outlook by 2031

~Space sensor market~ is anticipated to grow at a considerable CAGR of 8.2% during the forecast period (2024-2031). Space sensors market growth is attributed to increasing demand for space sensors in satellite development, expansion in the space exploration market, growing commercial satellite industry, and growing application in defense. The market is highly influenced by investment from state-run organizations for developing and innovating space sensor technology to enhance space and defense capabilities. The major trend in the market includes miniaturization of space sensing technology, demand for remote sensing and observation-based sensing technology, and integration of novel technology such as quantum sensors.
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The growing need for space-based assets in defense and security is driving demand for sensors in the marketplace. Space sensors are used to monitor, acquire intelligence, and provide early warning systems. Satellites equipped with high-resolution optical sensors, synthetic aperture radar SARs, or other advanced imaging technologies provide critical intelligence data for monitoring potential threats, assessing military operations, and obtaining strategic information on a timely basis. Also, hypersonic missiles and ballistic missile systems leverage space sensors to work. For instance, in January 2024, the Space Development Agency granted L3Harris, Lockheed Martin, and Sierra Space $2.5 billion for 54 satellites in its new missile warning and missile tracking (MW/MT) and missile defense networks. The MW/MT satellites are designed to detect and track missile launches from orbit using infrared sensors with a large field of view. The missile defense satellites will have a mix of wide and medium-field-of-view infrared sensors to provide high-quality fire control tracks, assisting ground forces to intercept missiles.
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· Market Coverage
· Market number available for – 2024-2031
· Base year- 2024
· Forecast period- 2024-2031
· Segment Covered- By Source, By Product Type, By Applications
· Competitive Landscape- Archer Daniels Midland Co., Ingredion Inc., Kerry Group Plc, Cargill
· Inc., and others
Market Segmentation
Global Space Sensors Market by Type
o IMU Sensors
o GPS Sensors
o Star Sensors
o Optical Sensors
o Synthetic Aperture Radar Sensors
o Pressure Sensors
o Temperature Sensors
o Others (Vibration Sensors, Gas Sensors)
Global Space Sensors Market by Platform
o Satellites
o Space Station & Testing Probes
o Rovers/Spacecraft Landers
o Launch Vehicle
Global Space Sensors Market by End-User
o Civil
o Commercial
o Defense
Regional Analysis
o North America
o United States
o Canada
o Europe
o UK
o Germany
o Italy
o Spain
o France
o Rest of Europe
o Asia-Pacific
o China
o India
o Japan
o South Korea
o Rest of Asia-Pacific
o Rest of the World
o Latin America
o Middle East and Africa
Company Profiles
o InnaLabs Ltd. Analog Devices, Inc.
o Bradford Engineering BV
o CEDRAT TECHNOLOGIES
o InnaLabs Ltd.
o L3Harris Technologies Inc.
o Moog Inc.
o MinebeaMitsumi Inc.
o Safran S.A.
o Sierra Nevada Corp
o STMicroelectronics NV.
o Teledyne Technologies Inc.
o Texas Instruments Inc.
o Raytheon Technologies Corp.
o Renesas Electronics Corp.
o UAG Group
The Report Covers

Market value data analysis of 2023 and forecast to 2031.
Annualized market revenues ($ million) for each market segment.
Country-wise analysis of major geographical regions.
Key companies operating in space sensors market. Based on the availability of data, information related to new product launches, and relevant news is also available in the report.
Analysis of business strategies by identifying the key market segments positioned for strong growth in the future.
Analysis of market-entry and market expansion strategies.
Competitive strategies by identifying ‘who-stands-where’ in the market.

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Media Contact:
Company Name: Orion Market Research
Contact Person: Mr. Anurag Tiwari
Email: [info@omrglobal.com](mailto:info@omrglobal.com)
Contact no: +91 780-304-0404

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2024.05.14 05:01 courzeorg Boost Your Skills with 100+ FREE Courses and Certificates from Udemy and Coursera

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2024.05.14 04:16 emptyfilesonsand What qualifies as "quantitative" titer results?

Sorry if this is neurotic but I looked at a bunch of sites and other asks on this subreddit and I still can't quite figure it out. I got my Hep B titer results back recently and the result was "<5mIU/mL" meaning it was low and I don't have immunity anymore. But it doesn't tell me what value under 5mIU/mL it was. Is this normal? Once I get a booster and the results go up will I get a specific/concrete value? Or should I look for a different lab?

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2024.05.14 03:55 golangprojects [Hiring] Go/Golang job: Senior/Staff Software Engineer - Mining and Power at Crusoe Energy (San Francisco, California, United States) Salary: $180k - $240k USD

Salary: $180k - $240k Crusoe Energy is on a mission to unlock value in stranded energy resources through the power of computation.
We aim to align the long term interests of the climate with the future of global computing infrastructure. As data centers consume an exponentially growing power footprint to deliver technology to all connected devices, we are inspired by making sure that the energy meeting that demand is sourced in an environmentally responsible fashion. Crusoe co-locates mobile data centers with stranded energy resources, like flare gas and underloaded renewables, to deliver low-cost, carbon-negative distributed computing solutions. Crusoe Cloud is a managed cloud services platform powered by stranded energy that enables climate-friendly innovation in computationally intensive fields including artificial intelligence, graphics rendering and computational biology.
About the Role: We are actively seeking Senior / Staff Software Engineers for our Bitcoin mining operations team to work on our cutting-edge distributed infrastructure and tooling. Your expertise will be instrumental in the design and scaling of our carbon-reducing operating model, as well as the management of critical hardware, software and network components.
You will be expected to be heavily involved in writing and reviewing code, proposals and architecture documents. In this role, you will drive the evaluation of tools and frameworks, carefully considering their impact on reliability, scalability, operational costs, and ease of adoption.
Your keen eye for optimization will be crucial in ensuring our digital currency mining operations are at the forefront of innovation and efficiency.
A Day In The Life:

Collaborate with product teams, engineers, and infrastructure to craft robust, scalable systems extending across our global data centers. Develop scalable, fault-tolerant patterns and practices to be adopted throughout the engineering team Champion and lead initiatives across the engineering organization such as tech talks, open source development and book clubs Work with cutting edge ASIC technology to maximize efficiency across our Bitcoin mining fleet Solve complicated orchestration problems dealing with dramatic weather and atmospheric conditions to fine-tune a worldwide mining fleet Play a pivotal role in shaping the roadmap for our mining products, guiding engineering endeavors towards revolutionary advancements. Mentor emerging engineers, fostering an environment of teamwork and continuous learning

You Will Thrive In This Role If You Have:

5+ years of professional software development experience 5+ years of programming experience with at least one modern compiled language such as Go, Rust, Java, or C++ 5+ years of experience contributing to architecture and design (architecture, design patterns, reliability and scaling) of new and current systems Bachelor's Degree in Computer Science or related field, or 5-8+ years relevant work experience Familiarity with the Bitcoin protocol and BTC infrastructure a big plus Computer Science fundamentals in data structures and algorithm design Proven experience in building and maintaining scalable and highly available fault-tolerant distributed systems and application architectures Solid understanding of infrastructure design, including the operational trade-offs of various designs Familiarity with modern CI/CD practices and build systems, such as GitLab CI/CD, CircleCI, GitHub Actions Familiarity with modern infrastructure tools, such as Docker, Kubernetes, Ansible, Cloud Formation, Terraform Experience in concurrency, multi-threading and synchronization Experience with Unix/Linux environments Experience with TCP/IP and network programming Excellent communication skills Must be able to pass a background check Embody the Company values

Benefits

Hybrid work schedule Industry competitive pay Restricted Stock Units in a fast growing, well-funded technology company Health insurance package options that include HDHP and PPO, vision, and dental for you and your dependents Employer contributions to HSA accounts Paid Parental Leave Paid life insurance, short-term and long-term disability Teladoc Pet-friendly offices 401(k) with a 100% match up to 4% of salary Generous paid time off and holiday schedule Cell phone reimbursement Tuition reimbursement Subscription to the Calm app Company paid commuter benefit; $50 per pay period

Compensation Range
Compensation will be paid in the range of $180k-$240k. Restricted Stock Units are included in all offers. Compensation to be determined by the applicant’s education, experience, knowledge, skills, and abilities, as well as internal equity and alignment with market data.
Crusoe Energy is an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, disability, genetic information, pregnancy, citizenship, marital status, sex/gender, sexual preference/ orientation, gender identity, age, veteran status, national origin, or any other status protected by law or regulation.
Read more / apply: https://www.golangprojects.com/golang-go-job-gnj-Senior-Staff-Software-Engineer-Mining-Power-San-Francisco-Crusoe-Energy.html

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2024.05.14 01:57 Jtg_Jew Shturman Stash Key Edit Uses - Gilded Key Storage and SVM

I am wondering if anyone has experience using the SVM and GildedKey Storage mods alongside each other that could help me figure out this issue I'm having with my Shturman stash key having 2/2 uses instead of 1/1.
Any idea why my Shturman Stash key that I added to the list of finite keys has 2/2 uses instead of being a 1/1 use like the Labs Access Cards are?
I am using this mod with the "use_finite_keys_list" and "no_key_use_limit" values set to "true" in the config files and also have the Server Value Modified lower in the load order list modify the global key value to 2.5x (so marked room keys are 25 uses instead of only 10).
These two settings do not seem to conflict for Labs Access Cards, which are still a 1/1 use as they should be, but the Shturman Stash key that I added to the finite key list has 2/2 uses, which I assume is because of the SVM modifications I made. I thought though because I have Gilded Key Storage load after SVM that this mod would take priority and set it to be a 1/1 use key, like it does with Labs access cards.
For clarification, here are screenshots of my settings
-My load order: https://imgur.com/6YSIp3C
-My Gilded Key Storage mod config (shturman key ID highlighted): https://imgur.com/5FkJuOp
-My SVM settings: https://imgur.com/lOHcvaG
Thanks so much!

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2024.05.14 01:01 bunninterested Reasons for positive HcG blood work — then retesting and received negative results.

25F, ~145 pounds. 5’10” no medication, no alcohol or drug use
I recently took a blood test and my HcG levels came back positive (I assume >10 since that seems to be the cut off for positive, but this exam was a qualitative exam and so I was only told I was positive)
I retook the test as soon as I could, after receiving my results. (4 days after my first lab)
The second lab came back with a value of <5 and negative — this was a quantitative exam
What are some possible reasons for having a positive test a couple of days ago? Should I be concerned? Everything I read online says that a false positive on blood exams is highly unlikely and extremely rare, so was I just unlucky?
Thank you in advance!

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2024.05.13 23:32 Slow_Food_8510 Ford Improved Shorthand

Hi, I just learned that shorthand, in general, exists. I am in a job that doesn't typically use official shorthand, but my job requires me to know and recall essentially every single thing I hear or see all day, every day, and who gave me that information and/or who the information applies to (I am in the medical field). Some of my colleagues flat out memorize things without writing, but I need to write it down. There's not enough time for me to ask people to repeat themselves later, and depending on who I'm working with each day, some superiors get easily annoyed repeating anything and will report it as evidence of incompetence at my job. We are able to use computers/laptops to remind ourselves of pertinent patient information/lab values, etc. but I like to be as prepared as possible for times when I don't have that easy access. In addition, I only have so much time to speak to patients in the morning before I have to report on them, and stopping to write full sentences on my notepad isn't the most efficient use of my time. I have two questions:

what shorthand would you recommend, keeping in mind that I don't have (a) year(s) to learn it.
I have read that Improved Ford Shorthand could be good, but people keep referring to "fordshorthand.com" as where they learned it. Unfortunately, that website no longer exists. So how/where do I learn it?

submitted by Slow_Food_8510 to shorthand [link] [comments]

2024.05.13 23:28 AlfrescoDog The Great Wall and Wall Street: Become a Better Trader by Understanding the Perils of 🇨🇳 Chinese Companies on 🇺🇸 U.S. Exchanges

The Great Wall and Wall Street: Become a Better Trader by Understanding the Perils of 🇨🇳 Chinese Companies on 🇺🇸 U.S. Exchanges

⚠️ Attention all traders and holders of Chinese stocks: You should read this if you don’t know what a VIE is. Sure, most of you will be repelled by the great wall of text here (so many words!), but you might want to keep this post nearby.
Hello. You are aware that Wall Street’s bustling bazaar hosts a veritable Forbidden City of Chinese companies draped in ticker tape rather than silk. Today, I will provide background and data on all allowed Chinese companies listed on three of the largest U.S. stock exchanges: New York Stock Exchange (NYSE), Nasdaq, and NYSE American.
I should note that a bustling troupe of 26 national securities exchanges are registered with the SEC in the United States. Most are owned by the Nasdaq, NYSE, or the Chicago Board Options Exchange (CBOE).
Nonetheless, based on data from the World Federation of Exchanges as of August 2023, the NYSE and Nasdaq were the top two exchanges behemoths of the global financial stage, accounting for 42.4% of the total $110.2 trillion in valuation traded across 80 major global exchanges.
🖼️ I had a photo of Wall Street to add here, but I'm only allowed to include one attachment.
2022 vs. 2023
According to the U.S.-China Economic and Security Review Commission, as of January 8, 2024, there were 265 Chinese companies listed on the three U.S. exchanges, with a total market capitalization of $848 billion. That valuation is down from a year prior—January 9, 2023—when a slightly lower 252 Chinese companies were tracked, but they represented a total market capitalization of $1.03 trillion.
Since January 2023, 24 Chinese companies have entered the spotlight of the three U.S. exchanges, raising $656 million in combined initial public offerings (IPOs). On the other hand, eleven Chinese companies have folded their tents and delisted.
China Securities Regulatory Commission
The American stock exchanges witnessed a springtime bloom of Chinese IPOs in the first quarter of 2023. However, this listing activity came to an abrupt halt as the clock struck March 31, 2023.
Why? The China Securities Regulatory Commission (CSRC) implemented a revised approval process for companies going public overseas.
I won’t get into the details, but China has rules to cap foreign investment and ownership in sectors deemed strategic, such as technology. In the past, those regulations have driven several Chinese firms to the legal gymnastics of a Variable Interest Entity (VIE) structure—a clever contrivance that allowed them to leapfrog domestic constraints.
However, under the revised review mechanism, every company, regardless of its corporate ownership structure, must now bow before the China Securities Regulatory Commission (CSRC) to register its intent to list overseas.
🖼️ I had a photo of the CSRC building to add here, but I'm only allowed to include one attachment.
The gatekeeper
Therefore, although the CSRC touted this regulation as a necessary measure for enforcing regulatory compliance and preventing fraud (which is true), it also helps regulators act as gatekeepers poised to block any proposed listing they deem poses a risk to their national security or jeopardizes China's national interests.
This process is wide-ranging. For instance, it includes an evaluation of the company’s safeguards against disclosing what the Chinese Communist Party considers potential state secrets. But we’re not talking about top-secret black-ops projects meant to be hidden from international oversight committees. No… any company that collects personal information on more than one million users requires stern data security review mechanisms for its cross-border data flows.
For perspective, TikTok has over 150 million users in the U.S. alone and is not subject to the same scrutiny from the Western nations.
Currently, the CSRC approval process is reportedly taking upward of six months.
Audit inspections and investigations in China
You’re probably unaware of the HFCAA, so let’s start there.
The Holding Foreign Companies Accountable Act of 2020 (HFCAA) is a law that requires companies publicly listed on stock exchanges in the U.S. to disclose to the United States Securities and Exchange Commission (SEC) information on foreign jurisdictions that prevent the Public Company Accounting Oversight Board (PCAOB) from conducting inspections.
That law laid down a stern ultimatum: If Chinese authorities kept obstructing the Public Company Accounting Oversight Board (PCAOB) from inspecting audit firms in China or Hong Kong for three consecutive years, the companies audited by these entities would face a ban from the bustling arenas of the U.S. exchanges.
Basically, either China allowed the PCAOB to inspect the audit firms, or the companies had to change to another auditing firm within three years.
Then, as 2022 waned to its final days (literally, on December 29), President Joe Biden signed a Consolidated Appropriations Act, which contained a provision that will tighten the noose, shortening future timelines from three consecutive years to only two.
Once they looked under the rock
Finally allowed to conduct full investigations of audit firms in mainland China and Hong Kong after over a decade of obstruction, the PCAOB announced the findings of its first round of inspections in May 2023, identifying deficiencies in seven of eight audits conducted by the auditing firms KPMG Huazhen and PricewaterhouseCoopers (PwC) Hong Kong. Audits of Chinese Companies Are Highly Deficient, U.S. Regulator Says
On November 30, 2023, the PCAOB announced fines against three audit firms in China, totaling $7.9 million for misconduct. For perspective, that number included the second and third-largest fines ever doled out by the PCAOB.
Why were the fines so bad?
Those sneaky Chinese accountants
Imagine a gaggle of accountants in the far reaches of PwC China and Hong Kong applying for a U.S. auditing curriculum. But alas, these foreign accountants find the U.S. auditing training tests a trifle tedious, so someone came up with the answers and decided to pass them around like a secret note in a schoolroom.
From 2018 to 2020, over 1,000 of these busy bees completed their U.S. auditing online exams by copying the answers from two unauthorized apps with a fervor that would make a gossip columnist blush.
When confronted with the evidence, PwC China and PwC Hong Kong response: 🤷‍♂️
And let me remind you, this happened late last year. Both firms are expected to provide reasonable assurance that their personnel will act with integrity in connection with internal training and to report their compliance to the PCAOB within 150 days—April 2024.
🖼️ I was planning on using an AI-generated image of Chinese accountants cheating, but I'm only allowed to include one attachment.
State-owned enterprises
According to the U.S.-China Economic and Security Review Commission, this graph represents the total market capitalization of Chinese companies listed in the three U.S. exchanges.
Market Capitalization of Listed Chinese Companies
The number of listed companies has stayed at around 260. However, all Chinese state-owned enterprises (SOEs) have delisted themselves from U.S. exchanges, most of them soon after the PCAOB announced it had secured complete access to Chinese auditors’ records.
Variable Interest Entities (VIEs)
Most traders—and that means you—are unaware that 166 Chinese companies currently listed on the three major U.S. exchanges use a VIE structure.
As of January 8, 2024, these companies have a market capitalization of $772 billion. For perspective, that represents 91% of the total market capitalization of all the Chinese firms listed on the three major U.S. exchanges.
What the hell is a VIE?
It is a complex corporate structure that grants shareholders contractual claims to control via an offshore shell company without transferring actual ownership in the company.
A Variable Interest Entity (VIE) is a bit like a riverboat casino’s cleverest trick, allowing a company to sell its chips on a foreign table without ever letting the players hold the cards directly.
A VIE is a structure used primarily by companies that wish to partake in the financial streams of another country (the U.S. exchanges) without breaking local laws (Chinese laws) that prevent full ownership.
Remember, Chinese companies structured themselves as VIEs to circumvent China’s restrictions—not U.S. restrictions—on foreign ownership in industries the CCP deems sensitive.
Therefore, when you hold stock in one of these Chinese companies, you’re not officially holding any actual ownership in the company. Because if you did, then that company could be breaking Chinese restrictive caps on foreign investment and ownership.
That’s why they set up a façade, or a legal entity, that controls the business on paper, but the true power and profits are funneled back to the company pulling the strings.
Granted, it’s not as shaky as asking a random stranger to hold your shares, but it is crafty, and you should be aware of the risks.
Wait. What are the risks?
You need to understand that there’s a shadow of potential risk looming. Potential. Now, don't mistake me for the town crier of doom; I'm not proclaiming that the sky is falling on these shares. Nor am I declaring that disaster is certain for Chinese stocks.
What I am pointing out, however, is the presence of a risk—a subtle beast that might just catch you off guard if you remain unaware.
And let’s face it: Most of you are completely oblivious to these issues.
There are two sides here: 🇺🇸 & 🇨🇳
🇺🇸
Since July 2021, the SEC has imposed additional disclosure requirements for Chinese companies using a VIE to sell shares in the U.S. These requirements include greater transparency about the relationship between the VIE and its Chinese operating companies.
In summary, the SEC aims to push VIEs toward the company behind them to offer more clarity on U.S. investor ownership in the Chinese operating company.
🇨🇳
On the other side, Chinese companies that list overseas using a VIE were not required to register their listings with the CSRC, as the VIE is not considered a Chinese company under China’s law. This is the reason VIEs were used in the first place.
However, as I mentioned earlier, after March 31, 2023, the CSRC established requirements for all new Chinese companies to register and receive permission before going public overseas—even those planning to use VIE structures. That’s why there was a boom of Chinese IPOs before that deadline.
Granted, on September 14, 2023, a Chinese auto insurance platform became the first company that received the elusive blessing of the CSRC to list, and it did so using a VIE arrangement, breaking the long, dry spell that had plagued Chinese IPOs when she listed on the Nasdaq four days later.
However, even though VIEs received some sort of recognition from the CSRC, the VIE corporate structures still hold dubious legal status under China’s laws. Remember, VIEs purpose is to avoid being considered a Chinese company under China’s laws.
So… do you see the potential risk here?
Umm… No, I don’t get it.
Think about it. Either country could potentially increase regulations for VIEs, but if the SEC forces them to be more transparent, the VIE would not be able to circumvent China’s restrictions. That’s one risk.
Also, at some point, China’s CSRC might question whether it’s appropriate to recognize a corporate structure that was created to circumvent its laws.
Which leads me to this: What’s keeping the CCP from deciding to start reigning in those VIEs?
The answer is simple: They’re not in a hurry to do so because if misfortune should befall, it’ll be the foreign investors who’ll see their assets deflated like a punctured balloon.
🖼️ I would've added a nice image or two by now, to balance all the text and make this more appealing, but I'm only allowed to include one attachment.
If a VIE-listed company goes private at a lower valuation, businesses fail, or there’s a valuation discrepancy, the enforceability of a VIE’s contractual arrangements is unproven in Chinese courts. With VIE-listed companies, foreign investors’ recourse in the Chinese legal system is as elusive as a catfish’s whisper.
Yeah, but that’s unlikely…
Sure. Of course, I’m not saying every Chinese stock will have these issues. But it can happen. And it has happened.
The unlucky case of Luckin Coffee
Due to the lack of compliance with international audit inspections, Chinese corporate financial statements’ reliability for valuation and investment is not assured.
Such is the case of Luckin Coffee. In a bold bid to capture Wall Street’s hearts and wallets, Luckin Coffee showed up dressed in finery, flaunting alluring figures of revenue, operations, and bustling customer traffic.
At her grand debut, the stock sashayed onto the Nasdaq at $17, swirling up a storm of interested buyers to the tune of $561 million in capital.
For a fleeting moment, Luckin shimmered like a star over the financial firmament, boasting a market capitalization that soared to a heady $12 billion, with shares peaking just over $50.
Ah, but as the adage goes, ‘Truth will out.’ And out it came—the revelation of those embroidered numbers caused the company's stock to plummet like a stone tossed from a bridge, leaving a wake of investor losses and culminating in a disgraceful delisting from Nasdaq 13 months after her debut. Luckin Coffee Drops Nasdaq Appeal; Shares to Be Delisted
🖼️ I would've added an AI-generated image of a cup of Luckin Coffee jumping from a bridge, but I'm only allowed to include one attachment.
Well… but that won’t happen to me…
Uh-huh. On April 2, 2020, after announcing that employees—including its chief operating officer—falsified 2.2 billion yuan (about $310 million) in sales throughout 2019, Luckin's shares nosedived -80%.
This is from one of you unluckin bastards: I've lost 240k on Luckin Coffee, all my life savings. Now I'm broke af.
I’m sure many of you might reckon yourselves immune to a similar debacle since you think you’re smart enough to use stops to escape any runaway losses. It's time to wake up and smell the Luckin coffee. Chinese news catalysts often strike like lightning at night, and the stops you set under the sun cannot shield you from storms that explode in the moonlight. Dumbass.
Chinese regulators can be mercurial
Even though the PCAOB is currently able to perform its oversight responsibilities, concerns remain around the possibility that Chinese regulators might backtrack, potentially clamping down once again on the PCAOB's ability to access audit firms and personnel across mainland China and Hong Kong.
If that happens, the PCAOB can quickly declare a negative determination. HOWEVER, this action would only start the countdown under the HFCAA, giving U.S.-listed Chinese companies a window of TWO years to secure services from an auditor in a compliant jurisdiction or face a trading ban. That’s it.
Of course, within that time, Chinese regulators could agree once again to allow access to the PCAOB, thus resetting the two-year countdown without significant consequences.
What lurks in the shadows
Although the risk of PCAOB non-compliance looms over these financial engagements, it is the ghost of potentially misconstrued—or, let's say, creatively presented—earnings reports coming to light that should scare you most. Or, on the flip side, present the biggest opportunity.
I believe it is possible that there are several ghosts out there—ghastly financial figures dressed up a tad too finely—lingering in the shadows, unchecked and unchallenged. If they’re found and unveiled under the harsh spotlight of scrutiny, the fallout would be immediate and severe, leaving investors scrambling.
And if that happens, it’s not about diamond-holding through the plunge since the company might opt (or be forced) to delist from the U.S. exchanges.
🖼️ I would've added an AI-generated image of an attractive young Chinese ghost woman, implying both the allure of Chinese stocks, but also the risk of getting closer. However, I'm only allowed to include one attachment.
You need to understand a crucial concept. Many traders believe that if a company messes up, plunges, and gets delisted, it means the company is basically over—dead. But that’s not the case here. A delisting does not equal death.
I mean, Luckin Coffee is still out there, alive and kicking.

16,218 stores and counting, covering 240+ cities across China.

You would think that a company like that would not be able to cheat on its balance sheet. Yeah, just like you would think PwC China would notice 1,000 accountants cheated their way through the U.S. auditing curriculum.
🖼️ I would've added an AI-generated image of a Chinese accountant dabbing like a boss for getting his cheated accounting diploma, but I'm only allowed to include one attachment.
So… is it too far-fetched to believe more ghosts might come to light, now that the PCAOB can supervise the numbers?
I mentioned a flip side since you could specialize in tracking everything the PCAOB does. If you can get a whiff about increased auditing on a certain company, you might decide to play a short position in anticipation of a potential ghost coming to light. Be warned, though, that it’s not as if they tweet out which companies they’re auditing.
If I were to do it, I would research and join whatever digital saloon young Chinese ledger-keepers convene in. Perhaps I’d stumble upon a post by SumYungGuy or another pleading for advice on how to parley with the PCAOB Laowai making a fuss over his figures. The poor lad's in a pickle, you see, since he cheated the exam and doesn’t know squat.
Methodology
For the purposes of this table, a company is considered Chinese if:

It has been identified as being from the PRC (the People's Republic of China) by the relevant stock exchange;
It lists a PRC address as its principal executive office in filings with the SEC; or
It has a majority of operations in the PRC, including a company structured offshore but whose value is ultimately tied through a relationship in the PRC.

⚠️ Some Chinese companies that use offshore corporate entities hide or do not identify their primary Chinese corporate domicile in their listing information. This complicates tracing, making it difficult to guarantee that this list captures all Chinese companies registered offshore.
I should also point out that this list does not include companies domiciled exclusively in Hong Kong or Macau.
⚠️ Remember, this list only considers Chinese companies listed on three of the largest U.S. stock exchanges: New York Stock Exchange (NYSE), Nasdaq, and NYSE American.
Oh, and btw, this isn’t a list I came up with. This info was compiled by the U.S.-China Economic and Security Review Commission. It’s their methodology and list.
Since the majority is a VIE, I’ve marked the ones that are not registered as a VIE with an asterisk (*). This is determined using the most recent annual report filed with the SEC. A company is judged to have a VIE if:

It explicitly describes using a VIE to conduct all or part of its business operations in China, or
It describes a subsidiary in which it has no direct equity interest but relies on contractual arrangements to exercise control and receive economic benefits from its operations in China.

⚠️ For companies that have been listed for less than a year, information contained in the company’s most recently updated investment prospectus, as filed with the SEC, is used instead.
Chinese companies listed on U.S. exchanges
Companies are arranged by the size of their current market capitalization. All companies utilize a VIE corporate structure, except those marked with an asterisk (*).
BABA Alibaba Group Holding Limited PDD Pinduoduo Inc. NTES NetEase, Inc. JD JD.com, Inc. BIDU Baidu, Inc TCOM Trip.com International, Ltd. TME Tencent Music Entertainment Group LI Li Auto BEKE KE Holdings BGNE BeiGene * ZTO ZTO Express (Cayman) Inc. YUMC Yum China Holdings Inc. EDU New Oriental Education & Technology Group, Inc. HTHT H World Group Limited * NIO NIO Inc. YMM Full Truck Alliance Co. Ltd VIPS Vipshop Holdings Limited TAL TAL Education Group LEGN Legend Biotech * MNSO Miniso * BZ Kanzhun Limited XPEV Xpeng BILI Bilibili Inc. IQ iQIYI, Inc. HCM HUTCHMED (China) Limited * ATHM Autohome Inc. QFIN Qifu Technology RLX RLX Technology LU Lufax ATAT Atour Lifestyle Holdings * WB Weibo Corporation ZLAB Zai Lab Limited * ZKH ZKH Group Ltd * YY JOYY Inc. GOTU Gaotu Techedu, Inc. MSC Studio City International Holdings Limited * GCT GigaCloud Technology Inc GDS GDS Holdings Limited ACMR ACM Research, Inc. * HOLI Hollysys Automation Technologies, Ltd. * FINV FinVolution Group JKS JinkoSolar Holding Co., Ltd. * DQ Daqo New Energy Corp. * MOMO Hello Group Inc. CSIQ Canadian Solar Inc. * EH Ehang TUYA Tuya Inc. NOAH Noah Holdings Ltd. HUYA HUYA Inc. KC Kingsoft Cloud YALA Yalla *
These are only 51 of the 261 Chinese companies currently listed on the major U.S. exchanges to comply with rule three. I kept the market cap minimum at $750M to allow for some wiggle room.
I mentioned earlier that the U.S.-China Economic and Security Review Commission had 265 tickers, but that was on January 8, 2024. Since then, three companies have been acquired, and the other one has voluntarily delisted.
As you can confirm, the vast majority is structured as a VIE.
I was going to include charts to illustrate how several Chinese stocks—aside from the ones with the biggest market caps—tend to display sudden rallies, followed by after-hours reversals. It is important to recognize them, whether you want to capitalize on them, or avoid them entirely. But I can't add any more attachments, so...
Besides, it's unlikely that many of you have even read this far without images.
Have a good day.

submitted by AlfrescoDog to wallstreetbets [link] [comments]

2024.05.13 23:23 cheinyeanlim More OpenAI safety researchers have left the building

Two OpenAI safety and governance researchers – Daniel Kokotajlo and William Saunders – recently departed the company.
Kokotajlo’s Less Wrong profile says that he “quit OpenAI due to losing confidence that it would behave responsibly around the time of AGI.”
Stay ahead of the curve with the latest trends in tech and marketing – join our subreddit community martechnewser today for instant notifications!
https://preview.redd.it/9tv6ocesg90d1.jpg?width=1292&format=pjpg&auto=webp&s=3d8145ab0dc19f9a95639a005d0371914aa310a6

He added that he declined to sign a non-disclosure agreement with the company upon leaving to retain his ability to “criticize the company in the future.”
In doing so, he gave up a tremendous – the unknown – amount of equity.

This isn’t what you want to see from a company that has made it their mission to develop artificial general intelligence. I feel it’s important to note that OpenAI got its start as a nonprofit research lab before deciding to start selling stuff. Now, it’s valued somewhere in the region of $80 billion. OpenAI did not respond to my request for comment.

submitted by cheinyeanlim to martechnewser [link] [comments]

2024.05.13 23:00 koltho Which Used IPad is best?

Hi everyone! I’m currently in the market for a used iPad and wanting to get the best value for lowest cost.
What I want/need it for:
A mobile computer replacement where I can work on my writing projects, draw art and lighting designs/diagrams, browse the internet, and use it to show people portfolio photos and video as a mobile screen device.
Ideally it’s fast, has good battery life, and a strong bright screen that is reasonably color accurate. I’m not looking to edit photos or video on it, so no need for that. But I am thinking of learning and implementing a cad design program like autodesk or solid works. Is it possible to use one of these programs on an iPad?
My budget is around 400/300$
I want something that will last a while without battery problems and can still be updated. Around another 2-3 more years of use.
Bonus points for advice on cases, keyboards, and stylus attachments.

submitted by koltho to ipad [link] [comments]

2024.05.13 22:44 Madk09 tTG-IGA

So I (completely by accident) had two tTG-IGA tests done on the same day like 2.5 hours apart. The results were so different! Both came back as positive for the antibodies but the second one came back nearly 50 higher. Both were measured the same way U/mL. It’s so strange that the values changed so much within that short of a time frame. I wrote to the doctor in case there was some kind of lab mishap in one of the cases. Has anyone here ever had more than one test done in the same day with such varying results? The only thing I can think of is that the gluten I ate that day was hitting my intestines more during the second draw and causing more antibodies to multiply, as it was hours after I ate and the first one was only about one hour after eating. I know nothing about how this works and I’m not looking for medical advice, I have my endoscopy in like 6 weeks, just wanted to ask if anyone else had anything similar.

submitted by Madk09 to Celiac [link] [comments]

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Entire Degree Programs
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Proctored Exams Quizzes Tests
Homework Assignments
Research Papers Term Papers Essays
Projects & Labs
Discussion Posts
Annotated Bibliographies
Employment Assessments
Certification Programs

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

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

U.S. Citizenship Status: I have native-born U.S. citizenship status, an 100% authentic & natural U.S. American accent, and a verified New Jersey, USA residence. I can speak on the phone professionally in both perfect native U.S. English and fluent Canadian English.
U.S. 212 Phone Number: I have a verified U.S. American business phone number with the prestigious 212 area code (212-380-1856 - Ext 3) that can both send & receive phone calls, texts, voicemails, photos, and website links.
Social Media Verified: I have an active & verified online social media presence with my name and contact info regularly showing up on all major search engines including: Google, Yahoo, and Bing.
Professional Website: I have a professional, well-designed, well-written, 100% secure SEO-optimized WordPress business themed website: hiraedu.com
Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
Calculators & Math Software: 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.
Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats
Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

ABOUT MY RATES & PAYMENT OPTIONS:

Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

Full Class Help Rates: $595 – $2495 USD
Exam & Test Help Rates: $150 – $350 USD
Quiz Help Rates: $60 – $180 USD
HW Assignment Help Rates: $60 – $420 USD
Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

Engage in a Telephone interview: 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, and accent. 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.
Provide Telephone References: 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.

Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
Most Students are Broke: 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.
Waste of Time & Energy: 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.
All My Payment Apps are Still Active: 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.

CONCLUSION:

My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
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submitted by Lazy-Citron-643 to Statisticshelpers_ [link] [comments]

2024.05.13 22:01 jennyacosta09 Take my Statistics exam for me Reddit

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

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

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
Email: info@hiraedu. com
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submitted by jennyacosta09 to Statisticshelpers_ [link] [comments]

2024.05.13 21:35 ferminriii REVIEW: Crunchlabs HackPack: A fun robotics kit with a few kinks to work out

My 13-year-old son has been getting into coding, so I thought the Crunch Labs HackPack would be the perfect kit for him. The IR Turret, which is the first kit in the HackPack series, arrived, and we got to work putting it together.
The Good
Build Quality
The build quality is solid overall. The servos are neat, the turret platform is nicely laser engraved, and the feet have a rubberized material to prevent sliding. I think this thing can withstand some serious play and hacking.
Ease of Assembly
It was easy to assemble - my son and I had it together the night it arrived. The wiring harness they engineered is clever. Although my son didn't fully understand it at first, it provided a great learning opportunity. I drew a few diagrams to help him understand how it should work, fostering deeper thinking and troubleshooting skills.
Customer Support
Customer support is great. We had an issue with the breadboard connection (more on that below) and Dan from Crunch Labs responded quickly on Discord. They are sending a replacement breadboard.
Teaching Important Life Lessons
When we encountered the breadboard issue, I resisted the urge to express my disappointment and instead used it as a teaching moment. We discussed how not everything in life works perfectly every time, and that's okay. This kit offers a layer of "you have to pay attention" that other builds, like LEGO, often don't.
Expandability and Hackability
They provide STL files to 3D print a mount for adding a sonar sensor. We actually already had a sonar module from a generic Arduino kit I bought for my son last year on Amazon. I'm excited to see all the things he will dream up to modify and expand its capabilities.
The Not-So-Good
Breadboard Connection Issue
We had a problem with the breadboard connection - the Arduino chip doesn't seat well and it loses connection, making the turret unusable without physically holding the Arduino in place. Supposedly a replacement breadboard is on the way that will hopefully resolve this.
Overall Thoughts
So far, I'm impressed with the HackPack IR Turret as a STEM learning tool, despite the breadboard issue we ran into. Once that's resolved, I think my son will have a blast dreaming up new functionality to add to the turret.
First Hack:
His first hack was programming custom movements triggered by different button presses. When you press the # button, it does a funny little dance where it spins around and nods up and down. This wasn't part of the instructions, just something he thought would be amusing to add. Unfortunately, we haven't been able to see it work fully yet because the jerking motion of the maneuver unseats the Arduino from the breadboard. But I'm excited to see it in action once the connection issue is fixed!
I look forward to seeing what else he creates as we dig deeper into the HackPack. I appreciate that it provides enough guidance to get started, but really encourages exploration, tinkering, and creativity to make it your own.
The Verdict 4/5 stars. A great robotics kit for learning, creativity, and important life lessons. Still has a few kinks to work out, but I'm optimistic those will get ironed out. Recommended for any teen (or adult) interested in coding and robotics!
TL;DR:

The Crunch Labs HackPack IR Turret is an educational and entertaining robotics kit.
It excels in teaching coding, problem-solving skills, and valuable life lessons about perseverance and dealing with imperfections.
We encountered a minor issue with the breadboard connection.
Overall build quality is solid.
Responsive customer support is a plus.
High potential for creativity and customization.
Recommended for teens and adults interested in STEM.
4/5 stars.

submitted by ferminriii to hackpack [link] [comments]

2024.05.13 21:25 YazoSavage Albion Online ruined my life

I want to talk about who I was before getting introduced to this monstrosity. I was a 19-year old teen who was living in his prime. I was studying molecular biochemistry, in which I was really interested in from middle school. I had a fun part time job in a lab which paid me a lot, enough to feed a family of four, to say the least. I had lots of friends, a good social network, a loving and caring girlfriend... Everything I could have ever wanted. Each of days was extremely fun and I remember how enjoyable of a life I had. I also played the bass in a small band and even won a minor song contest. Life was, good. Then one of my high-school friends told me that there was this huge game called Albion Online and that they were all going to start playing the game. This seemed like a fun idea, since we have already done stuff like this in other games. Little did I know, this would change the entirety of my life, forever. That particular Saturday night was spectacular. We had so much fun that I had to call in sick in order to play more. A week of no school couldn't hurt, could it? I was going to go to work again after a week too. Except that I suddenly decided to drop out and quit my job. My family disowned me, my girlfriend broke up with me. They don't know, I thought, that I had to run more dungeons in order to get to T8. I spent the next year wasting my saved up money on Albion, premium was quite expensive after all. I had no idea that the real world around me was slowly falling apart. When I ran out of money, I started to sell my ex-girlfriends nudes online, when I ran out again, I would go onto the streets and beg people for spare change. But life was still good, what can I say? I was having too much fun with my guild until when the disaster striked. Our guild leader was going to meet another guild leader and buy war-mammoths for us. We paid him beforehand so that each of us could get that mammoth. Now, I have to explain my love for mammoths. I value this mount so much that I sold my apartment which I have bought when I still was a student and bought gold with it. When we sent our guild leader, we never heard of him for months, he was gone. We were scammed. Everything was gone. My life had lost its meaning. I couldn't live without this. I checked my wallet only to see my credit card debt and my student debt combined. Now I am in 300.000 dollars in debt and I have no one to actually talk to or get help from What should I do? This game ruined my life and I cannot just get everything back by doing a 10-hour gathering session this time. (I have already sold my left kidney, my right eye, my left testicle and both of my pinky fingers on the black market to pay some of the debt)

submitted by YazoSavage to albiononline [link] [comments]

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