I'm considering investing in a company that offers an option to purchase assets and then lease them back. They hold a valid single-owner LLC commercial license valid until 2025.
If I purchase assets for them, they'll enter into a 5-year rental contract and begin paying me monthly rent for the next 5 years. After the contract expires, I can either renew it or sell the assets because they'll be mine.
I'm looking to invest around 200k+ AED.
What factors should I consider to avoid potential scams?

1. How can I verify the authenticity and legality of the rental contract?
   
2. What happens if the company goes bankrupt?
   

Hello everyone,
I'm a 1st year PE teacher. 3 months ago I was informed that they would not be renewing my contract. In less than a week I'll be out of a job. I've been on 7 teaching interviews and each one my performance gets worse and worse with the increase in pressure.
I put my family thru 2 years of hell going back to school to pursue my passion after putting them thru 2 years of previous hell working a claims job at a major insurance company that drove me to attempt suicide.
Of the 7 interviews I've been on not one offer has come my way and countless others moved on without giving me the time of day.
I've applied at other places outside of teaching without being offered so much as an interview.
I fear my only option is to go back to insurance where I'll eventually blow my brains out leaving my wife and two kids behind to pick up the pieces.
As I'm writing this it's hard for me to figure out why I'm even posting here. Whats the point? No one can fix my problems.
Anyway, there's my rant or whatever.

I have signed a non-disclosure agreement with someone which prevents them from disclosing information about our contract and service that I am providing them. They are accusing me of not being in compliance with some aspect of provincial law (nothing pertaining to criminal code here) which regulates my business. I am sure I am in compliance. They want to sue me and doing so they have to provide confidential information protected under our NDA as evidence. No legal authority has requested such information, they are going to provide them voluntarily to make their case.
If they sue and lose the case, which I am confident they will, would I be able to sue them for breaking the NDA in this case?
Edit type in title non-disclosure agreement

Hello,
I was laid off in September. I’ve been unable to get any interviews except one in all of that time. Thankfully, it seems they want to hire me. However, the offer is pending them talking to my last job. They have been contacted multiple times and set up times to speak, but haven’t actually answered the calls.
As a part of my lay off, I had a “you can’t talk shit about me” reference clause put into my severance agreement as a response to their “you can’t talk shit about us” clause. It was essentially stating that they would give a non-negative reference if contacted for one. Them not giving this reference could cost me this offer. Do I have any legal grounds here to enforce the severance letter? What would damages even be, if I wanted to sue for breach of contract? I’m approximately a month away from eviction/bankruptcy so I’m desperate.
This is also the second or third? time they’ve violated the severance, including cutting off my insurance two months early and not giving me access to Cobra and also telling the state I was fired for misconduct instead of the truth that I was laid off, almost stopping me from being able to collect unemployment (another clause in the severance was that they would not take actions to stop me from getting unemployment but they sort of tried). So clearly they think they’re covered in some way.
NJ, in case it’s relevant.

hi all. i'm a music teacher that's hired as an independent contractor. I'm working in Indiana, US.
in the contract it says the following: "For a period of two (2) years after the termination of this agreement, and in all counties where Teacher conducted lessons for the Company, Teacher is prohibited from soliciting or teaching any Company Students. Teacher’s covenant with Company not to solicit in this paragraph 3 shall be construed as independent of any other provision of this Agreement and shall survive termination of this Agreement. The existence of any claim or cause of action of Teacher against Company, whether predicated on this Agreement or otherwise, shall not constitute a defense to the enforcement by Company of this covenant not to solicit."
i'm sure many of you know that the FTC banned non-compete agreements. Would this count as a non-compete agreement? am I free from it? i appreciate the help!

Anyone with a medical background How accurate is this?

Is there any chemicals in the dead cities that can be used for medicinal purposes in the above scenario? (dead cities, survivors left them when food ran out to the smaller areas, gasoline ran out and electricity was taken out removing power for the stuff in the cities, the function of cities remained however machines were full of every kind of valuable chemical, metal, even sewage to use as fertilizer, and machines, buildings could be demolished for concrete and all the machines every part could be repurposed for a different purpose cars put to their individual machanical components every part of a house taken apart surgically, the dead cities provided resource extraction to last indefinitely and cities ripped by thousands of workers, with 4 million survivors out of a 50 million pre war population supply exceeded demand)Copilot
In the scenario you’ve described, where survivors have left the cities to find resources elsewhere, the abandoned urban areas could indeed become treasure troves of materials for various uses, including medicinal purposes. Here’s how chemicals and other materials from the dead cities might be repurposed:

1. Medicinal Plant Compounds:
   • Survivors could extract medicinal compounds from plants that have overgrown in the abandoned cities. Many plants have known healing properties and could be used to treat a variety of ailments¹.
2. Pharmaceuticals:
   • Any remaining pharmaceuticals could be salvaged and repurposed. However, their efficacy and safety would need to be carefully considered due to potential degradation over time.
3. Industrial Chemicals:
   • Certain industrial chemicals found in machinery or laboratories could have medicinal properties. For example, ethanol from industrial or research facilities could be used as a disinfectant.
4. Metals for Medical Tools:
   • Metals from machinery and buildings could be melted down and reshaped into medical tools such as scalpels, tweezers, and other surgical instruments.
5. Sewage as Fertilizer:
   • Treated sewage could be used as fertilizer to grow medicinal plants, creating a sustainable cycle of resource use.
6. Repurposing Vehicle Components:
   • Parts from vehicles could be used to build medical equipment. For example, car batteries might power makeshift medical devices, and lenses from vehicle lights could be used in medical diagnostics.
7. Building Materials for Clinics:
   • Concrete and other building materials could be used to construct clinics and hospitals where medical care can be provided.
8. Chemical Reagents:
   • Chemical reagents from abandoned laboratories could be used for medical testing and research to develop new treatments.

In this scenario, the key to utilizing these resources would be a deep understanding of chemistry, medicine, and engineering. The survivors would need to be innovative and cautious, ensuring that any repurposed materials are safe and effective for medical use. The transformation of these materials into medicinal resources would be a testament to human resilience and adaptability in the face of adversity. 🌱🔬
1link.springer.com2listverse.com3link.springer.comYouwhat are some industrial chemicals found in machinery or laboratories could have medicinal properties and where can they be found?Copilot
In the context of machinery and laboratories, several industrial chemicals that could have medicinal properties include:

1. Ethanol: Commonly used as a solvent and cleaning agent, ethanol also serves as a disinfectant and antiseptic in medical settings¹.
2. Glycerol: Found in machinery as a lubricant, glycerol is used in pharmaceutical formulations to improve smoothness and provide lubrication¹.
3. Hydrogen Peroxide: Used for bleaching or cleaning in industrial settings, it’s also an effective antiseptic for treating wounds¹.
4. Acetic Acid: While used in the production of synthetic fibers and plastics, it has applications as an antifungal agent¹.
5. Isopropyl Alcohol: A solvent in manufacturing processes, it’s also used for disinfecting skin before injections¹.

These chemicals can be found in various industrial and laboratory settings, including chemical manufacturing plants, research facilities, and places where machinery maintenance occurs. In a post-apocalyptic scenario like the one described in “Threads,” survivors might find these chemicals in:

• Abandoned Factories: Where machinery was once operated and maintained.
• Laboratories: Where research and testing were conducted.
• Hospitals: Which would have used these chemicals for medical purposes.
• Universities: In their science departments and research labs.
• Storage Facilities: Where chemicals were kept for industrial use.

It’s important to note that while these chemicals have medicinal properties, they must be used with caution. Proper knowledge of their handling and application is crucial, especially in a scenario where professional medical advice and facilities are scarce. 🏭🔬
can post attack chemistry extract these chemicals from any objects?Copilot
In a post-attack scenario, extracting useful chemicals from various objects would be a crucial survival skill. Here’s how survivors might go about it:

1. Ethanol Extraction:
   • Ethanol could be extracted from alcoholic beverages or fermented materials. Distillation setups using basic equipment like pots, tubes, and heat sources could be improvised to purify ethanol.
2. Glycerol Recovery:
   • Glycerol is a byproduct of biodiesel production, which can be made from used cooking oils. It can also be recovered from soap-making processes.
3. Hydrogen Peroxide Production:
   • Hydrogen peroxide can be synthesized through various chemical reactions, including the electrolysis of water or by reacting barium peroxide with sulfuric acid, if available.
4. Acetic Acid (Vinegar):
   • Acetic acid can be obtained from the fermentation of fruit juices or other sugary solutions. The process would require oxygen and time for vinegar bacteria to convert ethanol into vinegar.
5. Isopropyl Alcohol:
   • Isopropyl alcohol can be found in cleaning products or medical supplies. It could also be synthesized through the hydration of propene, which might be sourced from fuel or chemical storage facilities.

Survivors would need to have knowledge of chemistry and access to some basic laboratory equipment or be able to improvise with available materials. Safety would be a paramount concern, as chemical extraction processes can be dangerous without proper precautions and equipment¹²³.
In such a scenario, the ability to adapt and innovate with available resources would be essential for survival and recovery. 🧪🔬
1scientificamerican.com2pubs.rsc.org3pubs.rsc.org4media.gettyimages.com5media.gettyimages.comYouwhat are some examples of fermented materials?Copilot
Fermented materials are produced through the metabolic activity of microorganisms, which transform the food materials by utilizing sugars and other components. Here are some examples of fermented materials:

• Milk: Used to produce yogurt, kefir, cheese, and other dairy products¹.
• Soybeans: Fermented to make soy sauce, miso, tempeh, and natto¹.
• Cabbage: Known for sauerkraut and kimchi².
• Fruits: Can be fermented into wines and ciders¹.
• Grains: Used in the production of beer, whiskey, and sourdough bread².
• Vegetables: Besides cabbage, other vegetables like carrots and cucumbers can be fermented to create pickles².

These fermented materials are not only a means to preserve food but also enhance their nutritional content and flavor, making them a valuable resource in various culinary traditions around the world. 🍶🧀🍞
1microbeonline.com2en.wikipedia.org3draxe.comGlad you liked this answer!
Youis their any fermented materials that isn't edible?Copilot
Yes, there are non-edible fermented materials that are often used for industrial purposes or as components in various products. Here are some examples:

• Microbial Cellulose: Produced by bacteria during fermentation, microbial cellulose is used in the production of materials like bioplastics, textiles, and even electronics¹.
• Biofuels: Fermentation processes can produce biofuels such as ethanol and biodiesel from non-edible biomass like agricultural waste².
• Industrial Enzymes: Fermentation is used to produce enzymes for industrial applications, such as in detergents or for textile processing¹.
• Biopolymers: Some fermentation processes result in biopolymers that can be used for packaging, replacing traditional plastics².
• Fermented Olive Oil for Soap: Non-edible fermented olives can be used to produce high-quality natural soaps³.

These materials are valuable in a wide range of applications, from sustainable packaging solutions to renewable energy sources, demonstrating the versatility of fermentation beyond food production. 🧪🌿
1sciencedaily.com2mdpi.com3mdpi.com4link.springer.com5doi.orgYouwas there any non edible fermented materials in cold war era Britain?Copilot
During the Cold War era in Britain, non-edible fermented materials were primarily used for industrial purposes. Some examples include:

• Industrial Alcohol: Fermented materials like molasses and grains were used to produce industrial alcohol, which could be used as a solvent or fuel¹.
• Biofuels: Fermentation processes were explored for producing biofuels from agricultural waste and non-edible biomass¹.
• Vinegar (Acetic Acid): While vinegar is edible, its higher concentrations obtained through fermentation were used for cleaning and other non-food purposes¹.
• Silage: Fermented plant matter used as animal feed, not suitable for human consumption¹.

These materials were part of the broader industrial landscape of Britain, contributing to various sectors including agriculture, manufacturing, and energy. 🏭🌾

I’m out of town for 3 weeks in mid June through early July - ideally, that would be when showings will take place.
I’m still painting and fixing some minor things and I’m still packing my non-essentials.
When should I contact a real estate agent? When should I have a contract?
I’d like to close in August sometime

Hey all. Been having regular pains in my lower left abdomen area for about a month and a half now and not entirely sure why. I've been browsing the forums of various gut diseases on reddit, and figured I'd post on one to see what you all think.
32M, 6'0', 185 pounds. Non-smoker, casual drinker. Run 1-3 times a week. No regular medications or big surgeries in my past. I drink at least 3-4L water a day.
Other symptoms include:
-lots of gas, mostly burping but a little more farting too
-occasional sharp pains higher up on my left side at the chest area, but not as frequent as the abdomen pains
-Pain flares up more often when I'm sitting down, or lying on my right side in bed. Have resorted to lying flat on my belly in order to not experience pain in bed at night.
-unclear how much diet affects it. I had quite a few beers on Saturday and was in more intense pain throughout the night. However, I've had soda and 2-3 beers at one time before and it didn't seem to affect my pain.
I do have one theory as to what happened. Around the same time these symptoms started, I had started using Crest whitening strips on my teeth for about 30 minutes a day. I suspect I was accidentally swallowing a ton of the bleach in those things, since I produce a lot of saliva. I used them for about 3-4 days before I realized there might be a connection and I haven't used them since. However, the symptoms continued.
Went to a primary care doctor, who was doubtful of the strips being the cause. He pressed on my stomach but I felt no pain there. Blood work says liver, kidney, and thyroid are all clear. Doctor suggested it might be diverticulosis based on my description of my symptoms.
Also strange, but good, is my urine and stool samples are unaffected. I'm having no problems there. I do have quite an active bladder and have to go to the bathroom quite a bit, but that's been going on for years. The lack of any other symptoms like diarrhea, vomiting, etc., makes me think it's not an actual condition and just trapped gas.
Any ideas or next steps? Could the strips really do that much damage to my insides, or am I crazy?
I understand changing my diet may solve these issues, but I'd like to confirm that I have to do that and see if there are medications I can take to even avoid doing that. What's really strange is how sudden these symptoms came on, which makes me think the strips are part of the problem, but maybe my gut just finally said enough's enough.
I have a follow-up with my primary care doctor in a few days.

I am using R to "do statistics" on some biological data. I would like to test whether insects reared on two different plant species take different amounts of time to develop, preferably by comparing the means. The development time data is not normally distributed, so I understand that I will either need to carry out a non-parametric test or transform the data and perform a parametric test. Our dataset includes multiple plant repetitions (i.e. we replicated the experiments for each plant species using new plants and insects to increase our sample size), so we would like to include plant repetition as a random effect. It seems like a GLMM would be the best option for this, but when carrying out a post-hoc test (using emmeans in R), the results include infinite degrees of freedom (df = inf), which seems... not correct/possible?
Would anyone be able to explain this (in layman's terms, please), or suggest an alternative method for comparing these two groups? Thanks in advance!

What is Sumatra Slim Belly Tonic?

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This formulation stands out because it addresses issues related to blue light exposure and a lack of N-REM sleep, both of which have been linked to weight gain. By incorporating Sumatra Slim Belly Tonic into your daily routine, you can expect to see overall health benefits.
Sumatra Slim Belly Tonic is a unique combination of science and nature that aims to revolutionize healthy weight loss. This one-of-a-kind tonic, more than just a drink, provides a captivating experience by combining a variety of exotic and mysterious ingredients. Let's find out more about Sumatra Slim Belly Tonic and its enchanting ingredients.
Take a trip to Sumatra with the Sumatra Blue Tonic, a combination of Oriental Blue Tonic and exotic ingredients. This creates a unique Weird Blue Tonic that stands out. The roots and plants in this formula produce a bizarre blue liquid that promises a transformative experience.
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The Sumatra Slim Belly Tonic recognizes the impact of blue light from electronic devices on the body's metabolism, disrupting the circadian rhythm and leading to weight-related challenges. Lack of non-rapid eye movement (N-REM) sleep is another critical factor. The Sumatra Slim Belly Tonic addresses disrupted sleep patterns, which can contribute to weight gain by affecting natural energy regulation and metabolism.
Sumatra Slim Belly Tonic contains a unique blend of eight natural ingredients chosen for their proven abilities to counteract the effects of blue light exposure and enhance sleep quality. Together, these ingredients create a powerful formula with various benefits.
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Users notice improvements in skin and face, such as a brighter and healthier complexion, potentially reducing the appearance of fine lines.

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Sumatra Slim Belly Tonic’s science is based on its powerful ingredients. The ingredients are natural and clinically proven to have beneficial effects, which justifies their inclusion in this formula. Let’s have a closer look at each of them and their respective advantages:-

1. Valerian Root: Known as the natural melody of relaxation, Valerian root helps in restful sleep, helps in abnormal weight loss by aiding metabolism Acts as a night watchman, make sure your body is fresh for another day’s challenges.
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5. Berberine: Found in plants such as barberries, it supports normal blood sugar levels and is beneficial in general metabolism.
6. Black Cohosh: Known for its detoxification properties, it can support the body’s natural detoxification and relaxation processes.
7. Lutein: Lutein is found in abundance in fruits and vegetables, and protects eye cells from oxidative damage, contributing to overall health.
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Sumatra Slim Belly Tonic is packed with the goodness and potency of natural ingredients such as valerian root, berberine, and others, providing you with a variety of major health benefits. Here are some benefits:

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I'd say the perfect players for that are Bruce Brown, Jalen Green, Herbert Jones, Alex Caruso or Derrick White.
But tell me who do you think could possibly replace him if KCP decides not to renew his contract.

I am a student and have recently signed a contract for a house with 2 other students and 1 non student.
I am aware that we are jointly and severally liable for rent but was wondering if we could be pursued for the non student’s council tax?

Working moms: I (33F) have a 10 month old with my (45M) husband. My husband and I have been married one year. He works a typical 8-4 schedule. He also sometimes has to travel for 2-7 days at a time out of state, probably every other month. We split household expenses 50/50. We have no savings.
Since getting out of very severe episode of postpartum depression (6-month mark), I was able to renew my spirit and create a small business for myself doing something I love - accounting. Previous to pregnancy, I was a small business owner in marketing, which I hated and will never go back to. When I work hard, I see great success and prosperity follow. I've had it in me since I was a little girl. This year so far, I have been able to network and grow my business to getting over $100k in contracted billable hours for the year. My schedule is all over the place, but always within the hours of 8am-9pm. Ideally, I'd probably work 50 hours.
My husband says he is feeling lonely that he does not see his wife. He's requesting I only work during his work hours of M-F 8-4, as he needs at least a couple hours of quality time with me every day, and does not like the idea of me working more than a few hours on the weekend, even though it is all from home. I've never been around this. The couples I grew up around were all highly successful in their careers (and marriages). He talked so proudly about his go-getter wife before we had a child, and never cared that we spent time apart. I'm realizing it is not time with me he is wanting - but time being childfree. I never thought this would be an issue but it is becoming clear we have divergent value systems. My earning potential is unlimited and I'm the only one with the tools to help us save and bring in more money. I see it as a necessity for me to work hours outside of when he works.
We go to bed together every night, and even if I continue to hustle hard, this would remain true. When I am working, it is at my desk in the family room, where he watches our child. I still do all of the grocery shopping, meal planning, and night wake ups. I've only been working at this for a few months, and he is reacting quite egregiously to it. The most he is "stuck babysitting" our kid while I work is a few hours. I've had to consider getting a babysitter while I need to work from home occasionally, since he says he feels like he's just watching the kid. He wants to spend any time we spend together just watching TV. I'd rather be working, he never wants to spend any free time working on goals or learning something. I've found it's something I absolutely cannot live without.
Working moms or breadwinner moms - how often do you give your husband uninterrupted time? Do you schedule your work around his? What does supporting YOUR goals look like in your household?

Hi guys, just a reminder that if someone comes to your door claiming to be a gas supplier for NIPSCO, and claims they can lower your bill through a non-inflated pricing system, DO NOT ENROLL. Our gas costs less than 20 cents per therm. Once you enroll with this untruthful sales pitch, and conveniently after the salesperson leaves, you will receive the contract you signed which shows a fixed rate of almost 60 cents per therm‼️Yes Vista Energy can be found as a supplier option through NIPSCO's website, but don't let that fool you.
I've seen many people from a variety of states impacted by this scam. Accidentally enrolled? You have a 3 day period to call and cancel. Yea they are a real company, but their people give you false information. Call: 1-888-211-4093
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I would never buy a countertop from Lowe’s again I’m dealing with a nightmare where the countertop was finished properly in fabrication They came out today to try and fix it but nothing really has change The color is nothing like sample I ordered from Lowe’s is putting me in the middle of the finger pointing while I’m living with no kitchen for 3 weeks now and no end/help in sight Do yourself a favor and don’t buy a countertop from them I’m out 3100.00 and now working with my granite company to purchase a second countertop This is a nightmare Lowe’s keep going back to the contract to make excuses Funny local granite company didn’t even have a contract and nothing is paid for until I put eyes on the slab and then only have with remaining at installation Lowe’s you pay it all upfront and no changes are allowed Trust me use a local company and stick with the basics granite

Hi, I'm a graduate student in Pratt's interior design program. I have a 2b2b apartment off-campus and I'm looking for a roommate for the living room.
My other roommate and I are both graduate students in Pratt's interior design program.
Located around Pratt at 180 Franklin Ave 2b2b, we're looking for a roommate for the living room. All roommates are female Pratt students.
Move-in date: August 17th. Rent for living room is $1400 per month (The cost of partition is shared equally). If you're interested in renting another room, feel free to contact me!
Renewal lease is at least $200 cheaper than a new contract!
Additional monthly charges for internet, electricity, and gas; water is included.
Equipped with a washer, dryer, dishwasher, oven, microwave, refrigerator, ample storage space, and air conditioning/heating. The building, constructed in 2017, is very new and equipped with security, a gym, study rooms, rehearsal spaces, and a rooftop garden.
Electronic door guard; building is secure. Gym and package room available within the building; also, a bicycle storage room. Lots of sunlight.
Only a 5-minute walk to Pratt, and close to the G-line subway and B54 bus stop.
Near supermarkets, post office, and various restaurants on Myrtle Avenue. Interested parties, please DM for more information, to view videos and pictures.
Both online and in-person viewings are available.

Looking for insight, specifically on Defense Tech Sales.
State/Local Gov Sales for two years (after ten years working in that space) and the company was acquired by THE industry leader. I came in at a mid-level role and I expect to close $21M - $24M (upsells, renewals, contract extensions, cross-selling, hardware) with an OTE of $215k (80/135). My role will correct itself in JAN and realistically looking at a 50/50 split (100k/100k). Uncapped commissions, accelerators, stock options, etc.
I believe in the products, they are a need to have, and my role will include both AM/AE functions. It's big business, legit sales motions, true territory management (net new + existing), and I have deep industry knowledge/experience. With that said, the mission is the quota - no questions about it. Professional selling environment.
I am expecting an offer from a Defense Tech company by the end of the week. They are already on two Programs of Record, are profitable, and have deep roots with IQT and Palantir. Base will fall around $175-$185 with annual bonus ranging between $15k - $30k plus equity. My clearance will also be upgraded. This mission is awesome and there is definitely a "coolness" factor. The product is slightly abstract, but a lot within the IC community consider it game-changing.
My concern is that this move will pigeon hole me into the FED space (Biz Dev vs true Closing) and I will no longer be developing my prospecting/discovery/closing skills; it's a totally different selling motion. Most of the sellers are former Intel/SF/etc. and I will have less industry experience than most. I am also concerned about Defense budget going into the elections and the overall slowness of the FEDGOV. I do, however, recognize, that the clearance and experience could play out well for me in the future.
Does anyone have any thoughts?

My boyfriend was pretty discouraged and honestly kind of drifting away from JW, because his friends didn't really interact with him as much, and his parents were treating him worse than his siblings since he didn't go out into service and had a harder time making it to meetings. Now with the changes, he's a ministerial servant and he has this renewed vigor and drive... his friends are talking to him again and his parents are nice to him. So, he blew all the savings he was going to use to move out of his previously emotionally abusive household on new instruments to use for the orchestra in the special convention. He's been blowing our plans to spend nonstop time with his JW friends and family who had otherwise kind of kept him at an arm's length. And I feel like he looks down on me... He's kind and gentle to me still as he always has been, but he goes quiet when I try to talk about my hobbies, or my non-witness friends, or our relationship, he just goes quiet. I feel like he's ashamed of me. Everyone was putting him at an arms length and I loved him unconditionally. Now it's like he left "rock bottom" and he's phasing me out the way he was phased out by the others. I told him I felt this and he admitted to me he does feel ashamed of our relationship, and that he has been reeling back on the affection, but that he still loves me and wants us to work - he told me that he was just trying to subtly shift the focus more on talking about our differences since our differences really hurt his conscience. He knew it would hurt me so he didn't say it until I confronted him. Now he feels bad for being uncommunicative and is begging for me to talk it out with him. I just can't stop crying. I'm​ losing him...

Hi! About to begin paying off my loans and have been browsing this sub to learn. Huge thank you to people like u/girl_of_squirrels u/mindmapsofficial and u/Betsy514. These are true public service heroes fighting the good fight. Do you have a tip jar (seriously)?
After extensive research, I believe I have my situation figured out but want to confirm I'm thinking correctly. Here's what you need to know about me followed by my questions: 23 years old. Graduated undergrad in 2023. $19,500 in principle loans, all direct federal. 5 loans (3 subsidized, 2 unsubsidized), weighted average interest of 3.99%. All serviced through Edfinancial. Regrettably I haven't dealt with these loans since graduating. Grace period ended and repayment began 11/16/23, then looks like I was automatically put in forbearance on 1/15/24. As of today, $125 has accrued in interest. Currently live in Vermont, but expecting to move and live internationally in the next few years. I do not have a stable job and don't plan on getting one anytime soon (focused on the joys less travelled and learning how to ethically exist in this world). Hard to say annual income based on this but definitely less than $33,000 / year. My plan is to enroll in SAVE. I will qualify for $0 monthly payments. I believe I'll continue on this low income track and will shoot for forgiveness in 25 years. However, to be safe I plan to make monthly payments to an HYSA or something adjacent, saving up with the idea that should I choose to, years down the line, I can lump sum pay off my loans.
I arrived at this plan based partially on my belief that the following statements are true. I'm asking for help in confirming or correcting these statements:

1. On the SAVE plan as a single person with income <$33,000/yr, I will have a monthly required payment of $0. Under a non-SAVE plan, my loan balance of $19,500 at 3.99% interest would accrue $63.92 monthly. However, because my monthly payment is $0, that entire $63.92 will be subsidized and will not accrue. The amount of money I owe will not change as long as I remain on SAVE, make monthly payments (even if $0), maintain and certify low income annually, and SAVE rules don't change.
   1. A. The SAVE plan in its current terms is not guaranteed. Although highly improbable, law makers can always change loan repayment options, so it's good to have a backup plan.
   2. B. Because I have $125 in unpaid accrued interest prior to beginning SAVE and my monthly payment will be $0, this will just hang out in my account and not change. What is not clear to me is what happens to this at the end - would this just be added to my total balance, meaning I would either receive forgiveness for or pay off $19,892?
2. Years down the line but before the end of my payment term, my savings account should surpass my loan debt. At this point, if I decide I want to pay off the loans rather than waiting for forgiveness, while still on the SAVE plan, I can make a lump sum payment of my total balance, and I will have paid off my loans. Case closed.
3. If I opt to not pay the loans and receive forgiveness, when I pay income tax the year after I'm forgiven, I will submit a 1099 with my taxes stating the balance forgiven. I will be taxed as if that amount was additional income that year.

Last question I have is more superfluous than the rest: who am I actually paying? It seems that the money was loaned to me by the federal government, and they contract with EdFinancial to do the management. When I repay my loan, does it all go back to the government? Or is some of it going to Edfinancial? PS - here are great links that helped me in my research process (among many smaller threads), godspeed on yours, future redditor. [1] [2] [3] [4] [5]

Hi, I'm a graduate student in Pratt's interior design program. I have a 2b2b apartment off-campus and I'm looking for a roommate for the living room.
My other roommate and I are both graduate students in Pratt's interior design program.
Located around Pratt at 180 Franklin Ave 2b2b, we're looking for a roommate for the living room. All roommates are female Pratt students.
Move-in date: August 17th. Rent for living room is $1400 per month (The cost of partition is shared equally). If you're interested in renting another room, feel free to contact me!
Renewal lease is at least $200 cheaper than a new contract!
Additional monthly charges for internet, electricity, and gas; water is included.
Equipped with a washer, dryer, dishwasher, oven, microwave, refrigerator, ample storage space, and air conditioning/heating. The building, constructed in 2017, is very new and equipped with security, a gym, study rooms, rehearsal spaces, and a rooftop garden.
Electronic door guard; building is secure. Gym and package room available within the building; also, a bicycle storage room. Lots of sunlight.
Only a 5-minute walk to Pratt, and close to the G-line subway and B54 bus stop.
Near supermarkets, post office, and various restaurants on Myrtle Avenue. Interested parties, please DM for more information, to view videos and pictures.
Both online and in-person viewings are available.

Hi beautiful people,
Today I recieved an email saying that my rent will increase, with the rent review notice period being 90 days from June 1st meaning that the rent increase would come into effect from September 1st.
Now, my lease is up for renewal on June 1st as well and we'll be signing a 12 month contract (or intend to anyway).
As of yet, we have not recieved a Notice of Rent Review.
My qestion is: Is it legal for them to have me sign a contract for a 12 months lease on June 1st with rent set to what i'm paying aleady, only to have that amount increase on September 1st. Surely there should be a different contract to be signed on September 1st?
Any insight would be greatly appriciated.
-Thanks