Sample appeal letter authorization
Green card received! Sept '23 filer
2024.05.16 17:28 Ok_Lake_1234 Green card received! Sept '23 filer
First of all, I want to thank
CodingOnCaffeine for their
post. I cannot comment anymore but it was super helpful. Make sure to check it out as it is very comprehensive. I pretty much submitted everything they mentioned. We applied in NY for a marriage based green card in Sept 2023 (sent to USCIS Chicago lockbox). We got married in August 2023 and had been together for 4 years. I (Beneficiary) came to study to the US from Mexico in 2020 on a student visa and was on OPT STEM when applying. My husband (Petitioner) is an American citizen.
Checking the timeline on USCIS wasn't dependable as it would change from a 4 month wait to 2 months and then 4 again. We would also check
this website and we could see who was getting approved and when they had applied. We tried not to check every day as we realized it caused us a lot of anxiety. What ultimately helped us was contacting our Senator and within a month we received the approval notice (no RFE and no interview). We received approval on April 25th '24 and the physical card on May 6th '24 (9 month wait total).
Here's what we included in our package:
1. G-1145 (also included one with each form)
2. I-130 (husband petitioning for me) a)Cover letter b) Check c) 2 Passport photos (husband)
Form I-130 Form I-130a a) Copy of Petitioner's (husband) birth certificate b) Copy of P's passport c) Copy Marriage certificate d) Relationship statement f) Third-party affidavits from family/friends (5) g) Copy current joint lease h) Copy previous joint leases i) Evidence of joint checking and savings accounts j) P's investment account's beneficiary k) Copy of joint car insurance l) Copy of Beneficiary's (wife) emergency contact from employer m) Copy of B's individual statement account n) Joint travel documents o) Phone records p) Venmo transactions q) Splitwise transactions r) PPT of photos s) Whatsapp conversations t) Wedding caterer invoice
3. Form I-485 a) Cover letter b) Check (I-485 and biometrics services fee) c) 2 Passport photos (wife)
Form I-485 a) Copy of B's (wife) passport and visa b) Copy of expired passport with previous visas c) Copy of B's birth certificate (with official English translation) d) Copy of B's most recent I-94 record and visa entry stamp e) Marriage certificate f) Copy of B's current EAD g) Copy of B's offer letter from current employer h) Copy of B's current and previous I-20 forms
Form I-864 a) Copy of P's previous W-2s b) Copy of P's federal taxes (2 years) c) Explanations of P's lack of federal tax returns in 2020 (while a student) d) Copy of P's offer letter from current employer e) Copy of P's pay slips from previous employer f) Copy of P's offer letter from previous employer g) Copy of P's birth certificate as proof of US citizenship h) Copy of first page of P's passport as proof of US citizenship i) Copy of B's pay slips (3 months) j) Copy of B's W-2 k) Copy of B's 1040
4. Form I-765 (employment authorization - just in case green card didn't arrive on time - STEM OPT expiration date was Sept '24) a) Copy of most recent I-94 record and visa entry stamp b) Copy of passport and visa pages c) Copy of F1-OPT STEM EAD card
5. Form I-693 (medical examination and vax record)
- Eva Galstian in NY ($150 if paid in cash)
- DO NOT OPEN ENVELOPE
Make sure to keep a copy of everything and keep it as orderly as possible. From what I've read this helps with the process in general and in case you get a RFE. I read as much as I could online and watched Youtube videos explaining how to fill out each form. I also kept a Google sheet where I could track everything and add helpful links. You need a lot of time to check and re-check everything, get translations notarized, get affidavits, etc. so give yourself plenty of time. As stressful as the whole thing was, I enjoyed going back to our relationship and revisiting old photos and messages. Reading affidavits from our close ones also made me tear up. I do feel like I aged 10 years during the process and had a lot of anxiety so know that you're not alone! I will try to answer questions but I am not a lawyer and did the whole process w/o one, again - just reading online and getting information from USCIS.gov.
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2024.05.16 17:25 saltybready How can I stop my SNAP benefits from being cancelled?
I’ll try and make this short but I’m 22, living in NY, just graduated college last year and I’ve been working a full time job for the last few months. I live with my grandfather, who is older and disabled and his primary income is from the government. A few days ago I get a letter informing me that my SNAP and Medicaid coverage will be ending next year because I make too much money (less than $50k a year, but they also got the amount per check wrong in the letter).
I truly do not know what to do because we’re barely making it by as it is. We have family who lives in DR who we send money to every few days and there is nobody helping us.
My only thoughts are quitting my job, trying to find a lower paying one or moving out so my income doesn’t affect his benefits, none of which are viable options. Truly, any help will be greatly appreciated, thank you in advance.
EDIT: I forgot to include that the letter did inform me of an appeal process but I don’t want to leave everything to that. I barely even have time to call the number because I work practicality all day.
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2024.05.16 17:23 MolokoBespoko The unsuccessful search for Moors Murders victim, Keith Bennett, on Saddleworth Moor between September and October 2022
This story has been gaining some small online traction over the past couple of days, and Russell Edwards has been namedropped again by Keith Bennett’s brother, Alan Bennett, on social media. I want people to be in no doubt about what Edwards did back in 2022, and I want to make sure that the following ranks near the top of Google searches too so that people can easily find information that discredits this complete and utter charlatan.
Header photo description and credits: Greater Manchester Police employing a drone in the excavation of the site searched for the remains of Keith Bennett on Saddleworth Moor, 2nd October 2022. Manchester Evening News Who is Russell Edwards?
Edwards is a self-proclaimed “amateur detective”, who has for many years invested a lot of his own time and money in trying to get to the bottom of numerous infamous unsolved cases. He has claimed to have identified Jack the Ripper as a Polish barber named Aaron Kosminski, and wrote a book about his “findings” called “Naming Jack the Ripper” -
which have since been called into question along with the credibility of both Edwards and the forensic scientist he collaborated with in regards to both Jack the Ripper and the Moors Murders, Jari Louhelainen.
Edwards also runs a Jack the Ripper guided walking tour in London. I won’t link to it because a) I don’t want to drive up clicks to it and b) the website contains a lot of misinformation as well as graphic autopsy images of Ripper victims without warning. I initially thought he had stopped doing these, but the most recent review listed on there was from January of this year.
He claimed to have started looking into Keith Bennett’s disappearance in 2015, but had been interested in the case since around the time the remains of another Moors Murders victim, Pauline Reade, were discovered in 1987.
The known facts of Keith Bennett’s disappearance and murder
Keith was walking to his grandmother’s house on the evening of 16th June 1964 when he was abducted by Ian Brady and Myra Hindley. According to their accounts, he was driven up to Saddleworth Moor and endured sexual assault before he was strangled to death and buried in a shallow grave.
There is a detailed and extensive write-up on Brady’s and Hindley’s conflicting accounts linked here. Tragically, to this day Keith Bennett remains the only one of the couple’s victims whose remains were never recovered.
I would strongly encourage everybody to read these FAQs around the search for Keith too. I wrote these up a while ago, and Alan himself has been kind enough to contribute to them as well after the fact. The 2022 “findings”
First off,
here’s where exactly Edwards made his “discovery” in relation to where the other bodies were found. I should state that this area consists of plenty of gullies and peat soil. If you click on the
2022 Search on Saddleworth Moor flair, you‘ll see everything we discussed in this subreddit as the search was being carried out. But I will recap what happened anyway.
In a statement published on 30th September 2022, GMP Force Review Officer Martin Bottomley said:
“At around 11.25am on Thursday 29th September 2022, Greater Manchester Police was contacted by the representative of an author who has been researching the murder of Keith Bennett, a victim of Ian Brady and Myra Hindley. Following direct contact with the author, we were informed that he had discovered what he believes are potential human remains in a remote location on the Moors and he agreed to meet with officers yesterday afternoon to elaborate on his find and direct us to a site of interest.
“The site was assessed late last night and, this morning, specialist officers have begun initial exploration activity. We are in the very early stages of assessing the information which has been brought to our attention but have made the decision to act on it in line with a normal response to a report of this kind.”
It was first reported in the Daily Mail that a “skull” had been found, although the same article then went on to say that “detectives are preparing to exhume a particular area where suspected skeletal remains have been found including what experts believe to be a child’s upper jaw with a full set of teeth”. It was also reported that a small piece of blue and white striped material, and potential samples of body tissue (although this was later discredited as a probable mixture of vegetation and muddy water), had been found.
Edwards had claimed he and his team had conducted extensive soil analysis of the area, which they had discovered 4 weeks before. There were high levels of calcium, which can indicate the presence of human remains (but the team did not mention that it also indicates the presence of limestone or another high calcium natural material). Describing the dig, he said “the smell hit me about 2ft down. Like a sewer, like ammonia. I worked as a gravedigger when I was 19. It hits you, that smell of death. It is distinctive.”
Alan Bennett later stated that the smell was probably methane - of which there are pockets containing it across the moor. Edwards also falsely stated that everything was left in situ - more on that in the paragraph after the next one.
On Saturday 1st October, Greater Manchester Police issued a statement saying that “no identifiable human remains have been found” - despite what several tabloid and local newspapers had been reporting. It was confirmed that drones were being used in the search on the 2nd October, and a statement issued by GMP later that day confirmed that excavation of the site will continue for the foreseeable future.
Edwards and members of his team started posting on Facebook and declaring that Keith Bennett had already been found.
On 2nd October, Jari Louhelainen, a Senior Lecturer in Molecular Biology at Liverpool John Moores University and a member of Edwards’ team, posted a photo of himself analysing what he suspected was a “bunch of hair” from the dig site. He later confirmed in the comments of his post (after being called out for posting it in the first place) that it was a “look-a-like plant material”.
On 4th October, Detective Chief Inspector Cheryl Hughes, of GMP’s Force Review Unit, said: “Forensic Archaeologists and Forensic Anthropologists have now completed a methodical archaeological excavation and examination of the area previously dug and refilled by the member of the public.
No bones, fabric or items of interest were recovered from the soil. “These accredited and certified forensic experts are now continuing with a methodical and controlled excavation of the area immediately surrounding the original site to provide a higher level of assurance of the presence or absence of any items of interest. Further soil samples have been taken for analysis, but at this time there is no visible evidence to suggest the presence of human remains. The scene examination is ongoing.
“A report of possible human remains is always treated with seriousness. As such, we have deployed police search advisors who can support our scenes of crimes officers – this will result in more visible and high profile tactics, such as officers walking in lines to identify any potential sites of focus.
“GMP is committed to providing Keith’s family with answers following this report, both from the physical excavation and subsequent analysis of samples. This will take some time but we will keep the family updated at every stage and request that their privacy is respected.
“We have seen the outpouring of support since this news broke so know how our communities feel about this case but we are asking members of the public not to travel to the area and can assure them that we will provide timely and appropriate updates.”
At 2pm on 7th October 2022, Greater Manchester Police announced that they had closed the scene on Saddleworth Moor after finding no evidence to indicate the presence of human remains. “At this time, there is no evidence of the presence of human remains.”
Assistant Chief Constable Sarah Jackson, portfolio holder for crime, said: “We have always said that we would respond, in a timely and appropriate manner, to any credible information which may lead us towards finding Keith. Our actions in the last week or so are a highly visible example of what that response looks like, with the force utilising the knowledge and skills of accredited experts, specialist officers and staff. It is these accredited experts and specialists who have brought us to a position from where we can say that, despite a thorough search of the scene and ongoing analysis of samples taken both by ourselves and a third party, there is currently no evidence of the presence of human remains at, or surrounding, the identified site on Saddleworth Moor. However, I want to make it clear that our investigation to find answers for Keith’s family is not over.
“We understand how our communities in Greater Manchester feel about this case, the renewed interest in it and the shared desire to find Keith. Much of Saddleworth Moor is private land so we would ask that members of the public, in the first instance, report any perceived intelligence to their local police service. The discovery of suspected human remains must be reported immediately to enable the use of specialist resources to investigate appropriately.”
Senior Investigating Officer Detective Chief Inspector Cheryl Hughes said: “The investigation into Keith’s disappearance and murder has remained open since 1964 and it will not be closed until we have found the answers his family have deserved for so many years. We are thankful for their continued support of our ongoing enquiries. This has been a distressing time for them and we ask that their privacy is respected.
“We understand the confusion which may have been caused to Keith’s family and communities across Greater Manchester by reports to the contrary. We hope that by giving this detailed update today, we provide reassurance that GMP are committed to finding accurate answers for Keith’s family.
“In response to the report made on Thursday 29 September 2022, officers met with the member of the public who later provided us with samples and copies of the photographs he had taken. He also took officers to the location from which he had obtained these and provided grid references.
“In the days since, independent accredited forensic archaeologists and certified forensic anthropologists, together with GMP’s Crime Scene Investigators, have completed a methodical forensic archaeological excavation and examination of the identified area and beyond. An accredited forensic geologist also took a number of soil samples – analysis of which is ongoing.
“The items given to us by the member of the public have been examined by a forensic scientist and though this hasn’t yet indicated the presence of human remains – more analysis is required. With regards to the photograph, we have sought the assistance of a forensic botanist. We are now utilising the knowledge and skills of a forensic image expert to put a standard anthropological measurement to the object to assist with identification. At this stage, the indications are that it would be considerably smaller than a juvenile jaw and it cannot be ruled out that it is plant-based.
“The excavation and examination at the site is complete and, to reiterate, we have found no evidence that this is the burial location of Keith Bennett.”
Aftermath
It was discovered that two of Edwards’ team members, Lesley Dunlop (a geologist) and Dawn Keen (a forensic archaeologist) were not accredited professionals in their respective fields. Alan Bennett clarified in a Facebook post on 5th November 2022, in reference to Keen:
“Any professional archaeologist would ask for a scale in any pictures or video taken at a scene [in reference to the fact that police confirmed the object found was too small to be a juvenile jaw], that was not the case here and the reason police had to call in a photographic specialist to determine the scale of the supposed jawbone..which turns out to be too small for a child from what I've been told so far and, of course couldn't be found anyway and could only have been vegetation if anything at all.”
I am not entirely sure what the “blue and white striped fabric” turned out to be - I assume that nothing was found.
Alan has since posted evidence that Russell Edwards had been planning the “discovery of Keith’s remains” as part of a stunt to promote his upcoming book on the case - a book that Edwards has been radio-silent about since all of this controversy.
Edwards has refused to apologise to Keith’s family and despite being proven wrong, and him and his team being called out for the charlatans they are (with even him admitting that his own reputation is in tatters), as of December 2022 he stood by his actions and his claims that he believed he had found Keith’s body.
To my own understanding (though I do not speak on behalf of Alan Bennett or on behalf of anybody who was involved in this whole debacle, let me be clear), there has been complete radio-silence on news of Edwards’ book since this date.
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2024.05.16 17:23 UgghCris Is it worth HLR?
| Im in the IDES process and I received my decision letter today. The two that I posted are my disqualifying conditions. During my C&P exam, when going through ROM exams for my lower back and knees I asked the examiner if I had to push through pain for my ROM. She said yes so I did and now I have the above results for my lower back. I felt very uncomfortable during the examination because of the pain but I thought that’s what was expected. With the radiculopathy, they only listed my right side even though I’ve mentioned pain on both sides. I’ve always said that the difference is that my right buttock is always numb. But I have paid shooting down both my legs! Ive been told that I can only appeal my disqualifying conditions since I’m still active duty. So is this worth the HLR? Does anyone have a similar experience that they’ve already go w through? submitted by UgghCris to VeteransBenefits [link] [comments] |
2024.05.16 17:19 lawfullytired Got a letter saying I have been withdrawn from my college for low GPA… what are my next steps?
Apologies if this seems sporadic but usually I just come to reddit for advice/crises and this is a big one. This afternoon I got a text from a random number that I didn’t recognize. The text just had my name and a link, nothing else. I didn’t receive any emails prior to this, which I think is important to note.
The link required me to input my college ID number, which I did, and it was a pdf. In the lettepdf it says that due to poor academic performance this semester I have been academically withdrawn from my college. It also noted that I can appeal this, as well as reapply (if I don’t appeal) after a semester.
for context, i knew my grades were going to be pretty bad this semester. i had a health crisis early on that wound up in me almost being sent to the hospital but my friend made a care report to the dean’s office. Ever since february, I have been meeting with them weekly. I was missing a lot of work from early in the semester, which I was able to make up, but I still performed poorly on exams which was why I still failed most of my classes. My case manager as well as the dean for academic engagement advised me to get a letter from my psychiatrist to say I was getting treatment and to allow me to have accommodations next semester. They said if I get this letter I would more than likely be able to retroactively medically withdrawal, in which case all the grades from this semester would be wiped.
So definitely my next step would be to get that letter ASAP, but what else can I do? I am taking summer classes to fulfill the requirements from the classes I failed this semester as well as to help me be on track to graduate on time (I’m an incoming senior), so I’m just trying to totally unfuck myself out of the situation I got myself into. My parents tore into me (rightfully so), and my whole support system of friends and family are disappointed in me (also rightfully so). I have been crying for hours just because I’ve let everyone down, and I know it is up to me to make them proud of me again. But also, the biggest reason how I got in this mess was focusing on everyone except myself- focusing on my friends and hanging out with them instead of doing my work which will allow me to graduate alongside them… I know it was a terrible decision. A lot of it was my mental state (I only got diagnosed/medicated for OCD after the crisis happened, and the first medication I was on made it worse), but just as much as it is that it is also just as much my fault. I really need to spend this summer working hard for MYSELF and no one else.
I was wondering if anyone had some words of advice for this situation. I can also answer any questions. I was never on academic probation or anything of the sort before this, it has only happened this semester. I am a computer science major if that provides any information. I really don’t want to be kicked out for one fucked up semester. I want to prove to myself and everyone else that I CAN do this, and I know every step of the way from here on out will be hard as hell. What else can I do to dig myself out of this hole?
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2024.05.16 17:18 Weak_Tennis6697 Rejection from MSc Educational Psychology
Hey everyone, I received my rejection letter for the MSc Educational Psychology programme a couple of days ago. For context, I am an international student (from India) and I have a 3.6 CGPA on a 4.0 scale, and an 8.5 band IELTS (academic). I have defended my dissertation - a experiment that was well received and is relevant to the programme since it revolves around the field of educational psychology. I was feeling good about my motivation letter too. However, I got rejected. If they had better applicants that scored better than me in some criteria, I completely understand and accept the decision. However, their primary and ONLY reasoning in the letter was that my "previous education does not meet their requirements." I do not understand how they assessed this. On the website, it says that it's a combination of my CGPA and my university's NAAC grade (a national assessment concerning universities in India). My university's NAAC grade is high and my CGPA was not a problem too - since it was not highlighted in the list of things that were lacking in my application in the letter. I agree India has a long way to go when it comes to research-based universities in the behavioural sciences fields; however, I did the best with what I got - my undergraduate degree (BSc Honours in psychology) is the most comprehensive programme here in India for psychology with a high focus on quantitative and qualitative research methods and statistics. I took extra courses and classes outside of college as well but all of that simply went down the drain haha. My university awards credits only for classroom hours (we do not get credits for assignment/self-study hours). Without understanding the credit system of my current university (there was no explicit provision for it at the time of my application), I find it unfair to judge me based on that criterion. I am disappointed because I was rejected solely based on that purpose. Again, knowing that there are better applicants out there is reasonable and gives me some type of closure lmao (so if anyone out there who is a student/has experienced this can tell me if that rejection letter was only a formality and not transparent truth, please do so!). Also I do have the option to appeal against this decision. Do I do it? Do they listen to such appeals or is it a flowery provision only?
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2024.05.16 17:14 IL_Advisory Director Disqualification: The Consequences and Implications
| https://preview.redd.it/25weiv6l1t0d1.jpg?width=1500&format=pjpg&auto=webp&s=e18d7df91c2c5a072d45ecb9886de54ebd50ce69 In the world of business, directors play a crucial role in steering companies towards success. However, when directors fail to meet their legal obligations, the consequences can be severe. Ranging from disqualification to lasting damage to one’s professional reputation. In this article, we delve into the intricacies of director disqualification, exploring what it entails, the consequences, and options for appeal. What is Director Disqualification? Director disqualification is a legal action that prevents a person from serving as a director or managing a company for a set period of time. This also applies to individuals with managerial responsibilities, even if they aren’t officially listed as directors. Most cases of disqualification arise from company insolvency, leading to potential investigations by the Insolvency Service, Companies House, the Competition and Markets Authority (CMA), the courts, or insolvency practitioners. Several behaviors can lead to a director being deemed ‘unfit,’ including: - Failing to file a confirmation statement or annual accounts
- Neglecting proper accounting records or submitting inaccurate accounts
- Defaulting on tax payments owed by the company
- Personally benefiting from the company’s assets
- Continuing to trade while the company is insolvent
Furthermore, as of October 2016, the updated ‘Disqualified Directors Compensation Orders’ legisation stipulates the possibility of directors, in some instances, being personally responsible for their company’s debts and any outstanding obligations to HMRC. This implies that, apart from the disqualification itself, directors may find themselves burdened with substantial financial responsibilities. Consequences of Disqualification: Disqualification can last up to 15 years, during which the affected individual must step down from their current managerial position. They are also barred from being a director in any UK or overseas company dealing with the UK. Additional restrictions may include limitations on positions of trust, such as serving on school, charity, or police boards, as well as practicing certain professions like law or accountancy. Breaching these restrictions can result in heavy fines or even imprisonment. The length of disqualification depends on the severity of the offense: - Lower category offences – a disqualification will normally last between 2 and 5 years. This is generally for offences such as negligence, usually due to poor judgement rather than an act carried out with malicious intent.
- Mid-tier offences – a disqualification will normally last between 6 and 10 years. Offences in this category are more serious and potentially pose a risk to public interest.
- Serious offences – a disqualification of up to 15 years. These are usually cases that involve fraud, embezzlement or serious criminal behaviour.
Understanding the implications of director disqualification is crucial for company directors. By adhering to legal responsibilities and seeking professional advice, directors can mitigate the risk of disqualification and its severe consequences on their careers and personal lives. If you are a director facing disqualification, please reach out to us now for free, professional advice at info@iladvisory.co.uk.Director Disqualification: The Consequences and Implications submitted by IL_Advisory to u/IL_Advisory [link] [comments] |
2024.05.16 17:11 MoNosEmpire Need some advice for UC.
Background:
I've been on UC for a while now (Since 2018-2020) and I had an accident at the gym which caused me to have sciatica. The pain was so severe and intolerable that I was unable to physically stand up for more than 5 seconds, let alone walk. I was unable to cook, get out of bed or do anything else a normal person would. It's also the reason why I never applied for PIP at the time or decided to get a doctors note as the pain was simply too unbearable to even manage to get out of bed most days.
Knowing this, the first work coach I had was very understanding for me, the second work coach was not so understanding but eventually did realise what the problem was, the third work coach would force me to come into the office and I would have to physically say I was unable to attend each week (because I was still physically or mentally not getting better). Now the last work coach I had, she immediately forced me to come into the office on a bunch of occasions, this is when my mental state still was not the best but I was physically starting to see some improvements, and when we first spoke via the journal she argued with me about why I could not attend despite explaining it multiple times (I could stand up longer than a few minutes but still could not walk properly yet) before this work coach changed she scolded me hard in the last call telling me how I had not worked for years (obviously I know this from physically going from a healthy human to a cripple), of course trying my hardest, I did manage to make it into the office all of the times listed, however it required I needed extra time to prepare in the morning (very sore muscles etc), at this stage I did manage to finally attend the hospital and managed to see a Chiropractor, after multiple meetings I was able to now start getting better. I was starting to love living again, loving life, being able to walk, physically able to hang out with friends (of course I did still have really bad weeks still which still made it hard for me to leave the house, I still heavily relied on my family during this time).
Then my work coach changed again, this time she understood my situation, I explained I was a lot better, had a better mindset, she allowed me to find a boot camp course to study (the previous one (the one that scolded me) told me that I could do the same boot camp course except she didn't tell me it was government funded and that I would be eligible). I was EXCITED for the first time in years about moving back to my profession, as I was studying software engineering in university but had to drop out due to multiple issues and complications at the time, family related. Now I've completed my courses and I'm currently awaiting 2 more 12 week boot camp courses that will allow me to continue back in my chosen career that I studied during university, (because I want a devops/devsec job and that requires a lot of experience and a lot of time studying which I hope to do while working).
Here's where the issues start to arise. This same work coach who asked me to come into the office had asked if I had been comfortable with video calls, to which I said yes. And then the first video call came on the last day of my boot camp course, to which I missed because no call came (I told my boot camp course that I had been expecting it too), then my appointment was rescheduled for another 2 weeks. I had also missed that appointment too, same issue, I had expected a video call but none came, so I decided to check the To-do tasks section, there was a link at the top for the appointment that I had to click. I explained in the journal that I now understand I had to click a link (this was never specifically told to me), so I attended the next meeting as normal, then I had missed the one after that. Why? I'll explain:
During my second boot camp course I had been physically hacked, (That's all I wish to mention of it), and one of the factors of missing that appointment was due to not receiving a text, as my phone was also faulty and the network I was on was also having issues during the the days surrounding the meeting.
A week later I get a sanction, I had replied to that sanction within an hour. I had 0 response from UC for 21 days, Then I find out that the sanction date is from the first date (where my work coach had told me if I was comfortable with video calls but did not specifically explain that I had to click the link in the to-do list, so it was her fault). So now I currently have a 21 day sanction and they have added 7 days (because that's the max sanction time for UC for a 3 year span), on top of that, my work coach has changed again and I have had a meeting with him today, he did not tell me he was my new work coach initially until I asked, he was rude, forcefully changed my work plan requirements without even discussing the points with me when I told him the requirements are still the same and I did not wish to take any requirements off, so he added more while being muted on his side. I had explained my situation (of course he did not care), he then said he would set up another meeting in two weeks to discuss where we're at. I said I'm alright with that. Then what did he do? Not even 1h later he sets up a meeting TOMORROW to discuss my work search when he can see there was no work search because I had been awaiting my next course (my previous work coach was more than okay with this). He also scolded me about not being in work for a while at the start of the call. He asked the same question 3 times and I also gave the same reply during this call because that was the answer he needed.
So tomorrow I am expecting some sort of sanction during the phone call because he doesn't like me, clearly. I already have no cash coming in this month due to the sanction that wasn't my fault, or the hack. I've appealed the sanction, tomorrow I'm willing to bet he will sanction me because there hasn't been work search for the past 3 months (as I've been waiting for the course that should've started last 2 weeks ago but they are still awaiting funding, and they can't give me a specific date until they know more. I'm assuming it's this month or next month and they usually email me 7 days prior to the start date).
I do wish to complain about this work coach and change him for another who actually has my interests at heart (which is looking for a job but not scolding me and harassing me not even 1h after talking to him as it's already affected my mental health negatively and I was actually happy today for the first time in a while, I have other issues but would rather not speak upon them).
Also during the last meeting I attended in person, the woman told me I should apply for a hardship payment and I would not need to pay it back, but then during reading the second sanction letter (after she updated the system and it said "your sanction claim has changed", it did indeed say I had to pay it back, so I have once again been misinformed. I would honestly rather starve for a month than be affected by a loan as I have enough stress as it is.
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2024.05.16 17:06 Accurate-Ask1581 Help with my SAP appeal please! Any tips?
Dear Financial Aid Appeal Committee,
Thank you for this opportunity to explain my disappointing semester as it does not reflect my true character. I faced difficulties during the Fall 2023 and Spring 2024 semesters that greatly impacted by academic standing.
In the Fall 2023 semester, I went through an intense family crisis, starting with my grandpa ernan whom I am very close with. He came to live in our home for some time and was very ill and battled with early stages of what we realized was dementia. I found myself taking care of my grandpa while my parents worked as he would have trouble doing things on his own and was sick all the time which was disheartening to see because I would worry, I had to deal with the fact that it was not going to get better and we would have to send him to his home country honduras soon in which we did and he is still sick and stable but not any better as we hoped.
Coping with the sickness and care for my grandpa, Shortly after, my brother, went through a tough time mentally that led him into alcoholism. In which we saw him changing erratically like we never seen before. I found myself growing increasingly sad and worried every day, it was all I could think about and it impacted my psychological well being because I felt hopeless and useless seeing that he refused professional help. I grew even more pressured being that this was my older brother and my parents looked at their younger daughter, me, like I was their only hope because I was in school and trying to get better but this would only make me worse. Being very close to my brother and grandpa, I prioritized supporting and caring for them over getting help for my mental health which resulted in my neglect of my academic responsibilities.
Despite still dealing with my mental health during spring semester i still held my determination to pass my classes with better grades and get off academic probation and prevailed. I take full accountability for my academic decline and I have taken positive steps to ensure my academic success moving forward. I took a learning strategies class spring semester and it helped me tremendously with studying tips. I am already in contact with someone who goes to my university to help me with tutoring when I go back in the fall, specifically with math which is what I have most trouble in. I joined a biology club which also is helping me gain more knowledge and stay on track with my major which is biology. Additionally, I have already contacted my advisor to register me to take a summer course to boost my grades up and we have came up with an academic plan for the upcoming fall semester. On a personal note, I will learn to not feel ashamed to reach out for help if I am going through a hardship whether it’s a campus counselor or an online therapist.
My drive for continuing and completing my education are far stronger as a first generation student than the struggles i may face. I am committed to regaining good academic standing and in completing my degree. However, neither of these goals will be possible for me without the assistance and opportunity financial aid provides because I am a first generation student and my family and I don’t have the full means to pay out of pocket.
All in all, I appreciate your time and opportunity to continue pursuing my education with your support.
Sincerely,
END OF APPEAL LETTER.
I didn’t seek professional help for my mental health - didn’t go to a therapist. So I don’t have documentation to add.. what can I do about that?
I was told I can have a colleague that I worked with in the past write a letter as a 3rd party sign off because they were aware of what I was struggling with.
submitted by
Accurate-Ask1581 to
financialaid [link] [comments]
2024.05.16 16:59 Brule2 Advice on target schools very much appreciated!
Hey guys, I recently got my mcat score back and I’m trying to put together my list of schools. I wanted to get some opinions on my app from people outside of my normal circle on whether or not I stand a good chance this cycle. I’m 26yrs old and and an URM-non trad!
App highlights: -3.34 undergrad gpa -3.96 postbacc gpa (35 credit hours all stem) -8,000 hours of Clinical Research (4+ yrs) -250 hours of medical/clinical volunteering -120 hours of non medical volunteering -4 poster presentations -2 abstracts (not first author) -1 first author pub submitted for review -508 MCAT (could have done better but I work 50 hours a week at my hospital) -5 very strong letters of recommendation(obviously that’s subjective) -strong personal statement(again subjective)
Any advice is appreciated! I don’t have any doctor family members or close friends going through this process so it can be helpful to hear from others who know more about everything!
Thanks!
submitted by
Brule2 to
premed [link] [comments]
2024.05.16 16:51 davidwyatt309 How to Become a Fantasy Sports Developer
| https://preview.redd.it/f92a5hfqxs0d1.jpg?width=2148&format=pjpg&auto=webp&s=2fae7abd3afe4fe14058d0250a9a0f949164a307 Hey Reddit! Ever dreamt of turning your love for fantasy sports into a career? Well, buckle up because fantasy sports software development might be the perfect path for you. It's more than just creating apps; it's about building a platform that fuels the competitive spirit and brings the thrill of fantasy sports to life. So, how do you join the ranks of these developer wizards? Here's a breakdown: Essential Skills to Master: - Programming Languages: Being comfortable with languages like Python, Java, or Swift is a must. These are the building blocks for crafting the core functionality of your app.
- Database Management: Fantasy sports rely heavily on player data and statistics. Knowing how to structure and manage databases efficiently is crucial.
- API Integration: Fantasy apps often integrate with external APIs to pull in real-time data on player performance. Understanding APIs will help you connect your app to these valuable resources.
- User Interface (UI) and User Experience (UX) Design: A user-friendly and visually appealing interface is key to keeping players engaged. Familiarity with UI/UX principles will help you design an app that's intuitive and enjoyable to use.
- Problem-Solving and Analytical Skills: Fantasy sports development involves tackling technical challenges and analyzing user behavior. Being a critical thinker and problem solver will come in handy.
Gearing Up for Success: - Start with the Basics: Don't try to build the next fantasy sports behemoth overnight. Begin by creating a simple app with core functionalities like player drafting and scoring systems. This will help you solidify your development skills and gain valuable experience.
- Stay Updated on the Industry: The fantasy sports landscape is constantly evolving. Keep yourself informed about the latest trends, technologies, and regulations to stay ahead of the curve.
- Build a Portfolio: Showcase your skills by creating sample apps or contributing to open-source fantasy sports projects. This will demonstrate your capabilities to potential employers or investors.
- Network with the Community: Connect with other fantasy sports developers, join online forums, and attend industry events. Building connections will open doors to new opportunities and provide invaluable insights.
Bonus Tip: - Be a Passionate Fan: A genuine love for the game will fuel your creativity and help you understand the needs and desires of fantasy sports enthusiasts.
What are your thoughts, Reddit fam? Do you have any other tips for aspiring fantasy sports developers? Share your experiences in the comments below! P.S. If you're already a fantasy sports developer, let us know what you love most about your job! submitted by davidwyatt309 to u/davidwyatt309 [link] [comments] |
2024.05.16 16:51 WolverineofTerrier A bird flu outbreak among dairy cows sparks new warnings about unpasteurized milk
| Pretty wild anecdote about the lab being unwilling to test the raw milk samples for avian flu! “EISNER: You're right, Ailsa, it would really help to know if and how much virus is out there in the raw milk supply being sold now to people. But testing doesn't seem to be happening regularly, and that data is really hard to come by. That's why we tried to find our own. But when I brought raw milk that I bought from those four Texas farms to one of the few labs authorized by the USDA to test milk for bird flu, the lab insisted on calling each of the four farms first for permission, though the USDA has confirmed the agency doesn't require permission from farms to perform the test. None of the farms gave the lab permission to run the tests. They told the lab they were aware of what a non-negative result would do for their business. So the lab refused to test our samples. That means we weren't able to find out how much virus was in the raw milk being sold now in Texas, and probably it's very difficult for other members of the public to do that, too.” submitted by WolverineofTerrier to publichealth [link] [comments] |
2024.05.16 16:47 dogmotherhood Dealing with grandparent asking to visit baby almost daily
My husband’s mom is a generally unproblematic person, we’ve never really had conflict. She was a terrible alcoholic for the first few years of me and husband’s relationship so I just kept my distance. She’s sober now but there is a lot of broken trust because of things that happened while she was drinking and even after, she continued to show questionable judgement so we just didn’t spend a lot of time with her but it was never hostile. She has never had any sense of boundaries but it was more in a roll my eyes and ignore her kind of way, until baby was born.
My son is her first biological grandkid (husband’s sister had babies but they are MILs step-grandchildren.) I had an emergency C section, which was traumatic for me, and baby was born with some unexpected health issues. The stress of the situation made my milk super slow to come in and I was barely producing anything when it did come. I would let LO clusterfeed for hours and hours to get my supply up and he would cry whenever he was not in my arms/ on the boob. In addition to all of this I had postpartum insomnia, anxiety and depression and really struggled bonding with my baby. All that to say, I was going through hell the first few weeks of my baby’s life and it was genuinely the worst time of my life.
I decided not to have visitors in the hospital and for the first few days home besides for my own mom who was there to take care of me. When I did allow visitors (literally only 4dpp) my MIL was really sick so I had her wear a mask and did not let her hold baby. She then started asking to visit daily. We said no a lot but she was still coming over at a frequency of every few days, so multiple times a week. When she did come over she did nothing helpful, just wanted to sit on our couch and hold baby for HOURS. She’d ask us to make her coffee, to sample food from our fridge, etc. Incredibly inconsiderate and tone-deaf.
When LO was 2 weeks old FIL called my husband to talk to him on his mom’s behalf. Apparently she had been sobbing everyday that we said no to visitors and was asking FIL to appeal to my husband to let her see him more. Keeping in mind he was only TWO weeks old and she had seen him 6+ times. She said she had imagined that she would be a lot more involved in taking care of him and her feelings were hurt that I was “keeping her away” and she wanted to know what she had done wrong. When I tell you my jaw literally hit the floor when my husband told me this.
He called her directly and said I’m sorry that your feelings are hurt but we have so much on our plate right now and we do not need anyone piling on. She just doubled down and was crying and begging him to be able to come see baby “even just for a few minutes a day.” Husband said we’re not going to agree to that and then ended the call.
After that, she would start just coming to our house unannounced without asking so we would not have the chance to say no. Husband walks the dogs with FIL every day (FIL never entered our house, he just met husband outside) and MIL started coming when FIL came to walk and just literally came in my house without knocking. She walked in when I was breastfeeding or in my bra multiple times and she would always purposefully enter really loudly to wake up the baby if he was napping. My husband once again had to say no unannounced visitors and no drop in visits.
Husband is now back at work so it’s just me and baby during the day. Since he has been back she has texted me almost daily, maybe every other day, asking to come over. It’ll be like “hey I’m driving by your house in a few minutes, can I stop and see the baby?” and I always feel SO guilty saying no but like WHAT THE FUCK. It makes me feel like a hostage in my own house and that I have to keep my blinds closed and doors locked and pretend I’m not home. I see her drive by my house multiple times a day.
I genuinely think that she thought she was going to be like a second mom to LO. I have no idea how she got that impression, because she was never involved in our lives in the 8 years I’ve been with her husband. I personally think even ONE visit a week is excessive but I was willing to compromise by letting husband make the call to schedule those visits or not during his parenting time while I’m “off duty.” Her texting me multiple times a week asking to come over is driving me fucking insane. I only have 2 weeks left of my maternity leave and I don’t want to spend it fucking dodging my mother in law constantly!
submitted by
dogmotherhood to
beyondthebump [link] [comments]
2024.05.16 16:39 imlazy420 I'm convinced people WANT to be angry at the media they consume, they keep watching things they hate!
"This old horror movie is too out of touch, gross."
It's both old AND a horror movie if you weren't fine with that why did you pick it up. Or even worse there's the people who think some are "too scary".
"Man this children's show appeals too much to children, I don't like it."
IT'S A CHILDREN'S SHOW. I am also disappointed by their decay, but they are still made for KIDS.
"Disney's marvel movies don't have great writing, I'm disappointed."
Why did you expect anything good from Disney in the first place, they haven't been good at writing for nearly a decade now if not longer.
"This anime is too sexualized, it's creepy."
How about watching ANYTHING other than harem anime and shitty romcoms? Ever thought about that? What happened to be people going for Ghibli movies and such first and foremost?
"If only the author would change this one thing..."
And it turns out that "one thing" is something the fans are perfectly fine with, if not very happy it's the way it is, but this one person decided they don't so it NEEDS to change to suit them.
If something isn't to your taste, either it sucks and isn't worth your time, or more likely, it's made for a different public.
We live in the age of information, with billions of media being archived and produced every year, it's downright impossible to think of a concept that hasn't at least been tried. Just go out there and find the perfect story, it's in there somewhere.
submitted by
imlazy420 to
CharacterRant [link] [comments]
2024.05.16 16:36 kibblepigeon Time is ticking away, with only 2 DAYS REMAINING to support the rejection of SR-OCC-2024-001: Have you sent your comment to the SEC yet? If not, check out this BRAND NEW LETTER TEMPLATE 🔥 DEADLINE: Friday 17th May.
| https://preview.redd.it/xuvxg4pd6s0d1.png?width=1822&format=png&auto=webp&s=8c936943fefd2d43d40ab4413881116b2ef399ec What a week it's been, but it's not over yet! WE STILL HAVE TWO DAYS LEFT UNTIL THE SEC SUBMISSION DEADLINE 🔥 If shifting goal posts, isn't for you - and you fancy holding Wall Street accountable should they be unable to facilitate their Margin requirements, why not consider sending the SEC an email to support their rejection of the SR-OCC-2024-001 rule. The integrity of our financial markets are at stake here. Future generations are depending on you. Let's not let them down. Let's fight for Market Reform. https://preview.redd.it/xf39ute6cs0d1.png?width=2344&format=png&auto=webp&s=5a56d95d1d67c58932a4981eb755558a2fe48733 To: [ rule-comments@sec.gov](mailto: rule-comments@sec.gov) Subject: Comments on SR-OCC-2024-001 34-100009 Dear Members of the Securities and Exchange Commission, I am writing to express my concerns regarding Rule SR-OCC-2024-001, which proposes adjustments to margin thresholds, specifically during periods of high volatility. This proposed adjustment is concerning because it essentially shifts the goalposts when clearing members are unable to meet their financial obligations. The necessity for margin calls in the first place is to prevent clearing members from overextending themselves on their bets, ensuring that they have adequate collateral to cover potential losses. By adjusting margin thresholds during periods of high volatility, there is a risk that clearing members may not be required to maintain sufficient collateral, increasing the likelihood of default and destabilising the financial system. This proposed adjustment raises critical questions about the integrity of the options market and the role of the Options Clearing Corporation (OCC) in managing risk. The basis of this letter is equally to express support and appreciation to the SEC in their rejection of this rule, with supporting encouragement for this decision and future outcome. With due consideration to the reasons for the rejection as presented: - Section 17A(b)(3)(F) of the Exchange Act, which requires, among other things, that the rules of a clearing agency are designed to promote the prompt and accurate clearance and settlement of securities transactions and derivative agreements, contracts, and transactions; and to assure the safeguarding of securities and funds which are in the custody or control of the clearing agency or for which it is responsible; [Refer to 15 U.S.C. 78q-1(b)(3)(F)]
- Rule 17Ad-22(e)(2) of the Exchange Act, which requires that a covered clearing agency provide for governance arrangements that, among other things, specify clear and direct lines of responsibility; and [Refer to 17 CFR § 240.17Ad-22(e)(2)]
- Rule 17Ad-22(e)(6) of the Exchange Act, which requires that a covered clearing agency establish, implement, maintain, and enforce written policies and procedures reasonably designed to cover, if the covered clearing agency provides central counterparty services, its credit exposures to its participants by establishing a risk-based margin system that, among other things, (1) considers, and produces margin levels commensurate with, the risks and particular attributes of each relevant product, portfolio, and market, and (2) calculates sufficient margin to cover its potential future exposure to participants in the interval between the last margin collection and the close out of positions following a participant default. [Refer to 17 CFR § 240.17Ad-22(e)(6)]
The OCC, as the central counterparty for options and futures contracts traded on U.S. exchanges, plays a crucial role in ensuring the integrity of the options market. Its primary responsibility is to guarantee the fulfillment of contracts and manage the risk associated with trading these financial instruments. Margin calls serve a crucial purpose in the financial system by acting as a safeguard against excessive risk-taking. They ensure that clearing members have adequate collateral to cover potential losses, thereby preventing them from overextending themselves on their bets. However, by allowing for adjustments to margin thresholds during periods of high volatility, there is a risk of undermining this fundamental principle. In the context of financial jargon, this proposal effectively allows clearing members to "kick the can down the road" when it comes to meeting their financial obligations. It's akin to "moving the goalposts" in a high-stakes game, where the rules are changed to accommodate those struggling to keep up. Imagine a scenario where a hedge fund has taken substantial positions on a volatile stock. As the stock price experiences wild fluctuations, the hedge fund might find itself increasingly unable to meet its margin requirements. Under Rule SR-OCC-2024-001, the margin thresholds could be adjusted, effectively lowering the bar for maintaining adequate collateral. This not only incentivises risky behavior but also exacerbates systemic risk, as it increases the likelihood of default later down the line. Furthermore, such adjustments lack transparency and introduce an element of arbitrariness into the margin calculation process. Without clear guidelines and objective criteria for determining margin thresholds, there is a risk of favoritism or manipulation, further eroding market integrity. The use of "idiosyncratic volatility control settings" to adjust these margin thresholds during high volatility introduces a risk because it lacks transparency in the calculation and implementation process. Without clear guidelines on how these settings are determined, there is a potential for arbitrary or ad-hoc adjustments, allowing the Options Clearing Corporation (OCC) to alter the criteria whenever Clearing Members require assistance. This flexibility raises concerns about fairness, as it may create an environment where the rules can be changed based on individual circumstances, potentially favouring certain market participants or introducing an element of unpredictability. The proposal's supporting evidence, particularly regarding said calculation of margin thresholds, is troublingly redacted. This lack of disclosure undermines the principles of transparency and accountability that are crucial in regulatory frameworks. As stakeholders, we require detailed information on how these adjustments will be made to ensure fair and equitable treatment of all market participants. This lack of transparency undermines the integrity of financial markets by eroding trust among participants. Financial markets thrive on clear and consistent rules that are applied uniformly to ensure a level playing field. When rules can be adjusted opaquely, it creates uncertainty and diminishes confidence in the regulatory framework. Maintaining trust is essential for the effective functioning of financial markets, and transparency in rule-making and enforcement is a key factor in upholding the integrity of the overall financial system. Moreover, the proposal grants unchecked authority to the Financial Risk Management (FRM) Officer to make unilateral decisions during periods of high market stress. This authority, while ostensibly intended to protect the interests of the OCC, raises questions about potential conflicts of interest. The FRM Officer is entrusted with safeguarding both the OCC's interests and those of at-risk Clearing Members, creating a potential conflict that needs addressing and changing. In conclusion, Rule SR-OCC-2024-001 poses a significant threat to the stability and integrity of the financial system. It undermines the fundamental purpose of margin calls and introduces unnecessary risks that could have dire consequences for market participants. In light of these concerns, I urge the Securities and Exchange Commission to carefully reconsider this proposal and prioritise the protection of investors and the stability of the financial markets by rejecting Proposed Rule SR-OCC-2024-001. Clear guidelines, transparency in calculations, and checks and balances on discretionary authority are essential for maintaining the integrity and stability of the financial markets. Thank you for your attention to this matter. I trust that the SEC will carefully consider these concerns and take appropriate actions to address the potential risks associated with this rule. Sincerely, [APE] 📱 ☎️ Pastebin for mobile users: https://pastebin.com/RGZBBNjG You can copy and paste the letter here, making it even easier to submit to the SEC via mobile. https://preview.redd.it/tj0pmvz5cs0d1.png?width=2330&format=png&auto=webp&s=c7d0417f87e11beac4ed67201ff9a77d5fb2036e Right, in addition to the swiftly composed piece I've just shared, this is with the full caveat that my comment letter pails in comparison to the absolute powerhouse of submission as has been drafted by WhatCanIMakeToday. You can check it out here: https://preview.redd.it/4st65buv6s0d1.png?width=1396&format=png&auto=webp&s=61da514112e8310a25dbafa72f94c2b381a52cdf FULLY DETAILED LETTER TEMPLATE: Because excellence deserves to be recognised. Simians Smash SEC Rule Proposal To Reduce Margin Requirements To Prevent A Cascade of Clearing Member Failures! [COMMENT TEMPLATE INCLUDED] 📱 ☎️ Pastebin for mobile users: https://pastebin.com/dpXQ0gim Go on, go make a difference out there. Submit your comment 💪 https://i.redd.it/f3qbsq0tjs0d1.gif Seriously, please go give this a read. This is a very comprehensive and well articulated deep dive into the issues as we have been discussing here, and if you need more assistance to help you shape your comments - this is a great resource to draw from. Please do give it every appreciation it deserves. Thank you WhatCanIMakeToday 🙏 https://preview.redd.it/91f67n3w6s0d1.png?width=1386&format=png&auto=webp&s=40ff09ca5db7b3fa9ffb17fe120340b03660ca4a https://preview.redd.it/cdv97ukccs0d1.png?width=2340&format=png&auto=webp&s=8cba3bd46eee9f56f89037552d16ee0c04c509e7 ✅ 📢 🌏 How to Comment: 📱🖥️ ✉️ Email: [ rule-comments@sec.gov](mailto: rule-comments@sec.gov) - Include the file number: SR-OCC-2024-001 34-100009 - in the subject line of your email to the SEC.
- This is open to audiences worldwide.
- Commission's Internet Comment Form: Use the form available at SEC's rule comment page.
🤫 🫣 Valuing Your Privacy Remember: Avoid including personal identifiable information in your submissions unless you want it to be made publicly available. - The SEC may redact or withhold content that is obscene.
✉️ 🔍 Don't want to use your personal email? Why not sign up for https://proton.me/mail From their website: Proton Mail is an encrypted email service based in Switzerland that protects your privacy and data from trackers and scanners. You can create a free account, switch from any email provider, and enjoy features like password protection, aliases, and scheduling. 🖥️ 💡 Work Smarter, not Harder - with ChatGPT AI Language Model designed to help you. https://preview.redd.it/udun9ov9qs0d1.jpg?width=1600&format=pjpg&auto=webp&s=3e6b20cf5b949b3dfdab6694360b5597da4b6472 Consider inputting these writing guides into ChatGPT to help you compose your own comment. Here's a prompt to help you get started: Draft a formal letter expressing support for the SEC's decision to reject the OCC's proposed rule change. Emphasise the importance of transparency, risk mitigation, and investor protection in maintaining a fair financial market. Specifically, address concerns about the lack of transparency in the OCC's proposal, potential systemic risks from margin requirement adjustments during market volatility, and the conflict of interest in the FRM Officer's role. Maintain a respectful and professional tone, providing detailed reasons and supporting evidence for your support of the SEC's decision. Use the example letter as a reference for structuring arguments and aligning with the SEC's grounds for disapproval. Work Smarter, not Harder. ChatGPT is user friendly, check out what it looks like here: https://chatgpt.com Please note: 🚨 ChatGPT remains an unreliable source for verified information and facts and will always require people to assess/review and cross-reference the generated responses. You are the fact checker, not the AI. https://preview.redd.it/0kaawwfejs0d1.jpg?width=1912&format=pjpg&auto=webp&s=610dbd6d5b2a9c5664c2079a7ab9188496b633cc https://preview.redd.it/u9bei97jfs0d1.png?width=2746&format=png&auto=webp&s=1e38b38897b166c8e8f3c38d3de6dde6443df672 📚👀 Want to learn more about this rule? Check out the following posts: 🔥 SR-OCC-2024-001 EXPLAINER POSTS:🔥 CREDIT: Dismal-Jellyfish. Options Clearing Corporation is looking to adjust parameters for calculating margin requirements during periods when the products it clears & the markets it serves experience high volatility. OPEN for comment! here. CREDIT: WhatCanIMakeToday OCC Proposes Reducing Margin Requirements To Prevent A Cascade of Clearing Member Failures: here. CREDIT: kibblepigeon Dismantling Rule SR-OCC-2024-001 - The Exposed Threat of Margin Erosion and Risk Escalation: here. 🔥 FOLLOW UP SEC REJECTION AND TEMPLATE LETTER:🔥 CREDIT: WhatCanIMakeToday Simians Smash SEC Rule Proposal To Reduce Margin Requirements To Prevent A Cascade of Clearing Member Failures! [COMMENT TEMPLATE INCLUDED]: here. 📚👀 SEC COMMENTS / REJECTION:📚👀 To access the submitted proposals: https://www.sec.gov/files/rules/sro/occ/2024/34-99393.pdf?ref=dismal-jellyfish.com To access the submitted SEC comments: https://www.sec.gov/comments/sr-occ-2024-001/srocc2024001.htm 📚👀 Want to learn more about how to reject it? Check out the following posts: - REGULATORY KILL SHOT 🎯- Part one: here.
- REGULATORY KILL SHOT 🎯- Part two: here.
These include helpful reading sources, a breakdown of what this rule means the materials needed to help you write your own comment! https://preview.redd.it/61cu99ke6s0d1.png?width=2034&format=png&auto=webp&s=96364289b259e134442514f9b7a5f5ac9495dc50 https://preview.redd.it/byvthi4g6s0d1.jpg?width=2024&format=pjpg&auto=webp&s=91e3589927ee5782d99d072bc959bb1fc2910fb9 TL;DRs 🚀🦍 - Wall Street relies on the OCC for options and futures contracts.
- Options require less upfront capital than buying shares, allowing Wall Street to control larger market positions with less initial investment.
- Ideal for those who might be low on liquidity
- Wall Street often leverages these positions using loans from banks, known as margin trading.
- If a stock’s price moves against the investor's position (like GME skyrocketing), Wall Street's gotta put up more collateral against their option contracts.
- This is called margin call.
- Failure to meet margin calls can lead to hedge fund defaults and potentially bankruptcy.
- Hedge fund defaults can also impact the banks that lent them money, increasing the risk of bank defaults.
- AKA risking bank default too.
- If clearing members can't cover losses, the OCC may need to use its funds to fulfill obligations to GME shareholders.
- OCC don’t want to lose money
- To prevent losses, the OCC wants to adjust margin thresholds for short sellers, reducing the risk of defaults by hedge funds and banks, and minimising threat to the OCC.
___________🔥___________ If you do anything today, let it be this. Every comment matters. Don't just be game on for change, be the driving force behind it. submitted by kibblepigeon to Superstonk [link] [comments] |
2024.05.16 16:24 Lukidoo678 How to handle variable chapter length when posting?
I am writing a fic where narration will be a mix of scenes, flashbacks and letters exchanged between the characters. I am quite happy with this structure and the change of perspective that comes with it, so I don't plan to change this. However, this results in "chapters" that are of varying length, with scenes being anywhere between 1k and 4k words, or more, and some letters being as short as 200 words, and could not realistically be made any longer. I expect the fic to be around 40k in total. I have read that when posting on AO3, readers prefer a more even chapter length distribution, more on the longer side, therefore I'm worried that the structure of my writing would annoy some people. I have thought about grouping letters together to form one longer chapter. However it would not always work, because sometimes I only have a couple short messages between much longer scenes. Also, I was planning to use the chapter title to give context to the letters and scenes, for example: "Scene: New York, 3rd April 1994" or "Letter: Joseph to Margaret, Boston, 9th January 1995". Grouping letters together would make this impossible, or at least confusing. As a reader, how would you prefer to have this posted? Would it be fair, for example, if I decided to post every week, but made sure to post at least 2k words at a time, no matter how many chapters that would take if short letters are to be included? Should I make an author's note about this? Thanks a lot for your insights!
submitted by
Lukidoo678 to
FanFiction [link] [comments]
2024.05.16 16:22 BaldSeagull619 UKPC Parking Charge
I received a UKPC parking charge for parking in a retail park car park for longer than the allowed duration a few months ago. In the past I’ve only had a couple of letters then it stops, however this time it’s gone on for much longer - first letters from UKPC themselves, then a debt collector, now solicitors stating they’ll advise a decree should be registered against me if not paid.
Have looked online for guidance on whether it should be paid or not, if it’s actually enforceable in Scotland and if the further action will actually be taken as I obviously don’t want a decree registered against me - a lot of people saying they need to be paid but also quite a few saying there's no keeper liability in Scotland so you don't need to pay it, however these were from 2023 and some of them were advising keeper liability would come into effect in Scotland in 2024. One of the letters l received also said as 14 days had elapsed, the registered keeper of the vehicle can be made liable for the parking charge. Not sure if this now means it's come into effect or just scaremongering and if it came down to it, I could appeal and say it wasn’t me driving the car and I don’t know who was?
Any guidance would be much appreciated. As mentioned I've ignored all parking charges like this in the past and none have ever been taken further, but sure this is the first from UKPC and there seems to be a lot more people online saying these ones should be paid.
TIA
submitted by
BaldSeagull619 to
Scotland [link] [comments]
2024.05.16 16:15 Ur_Anemone ‘Tradwife’ Content Isn’t Really for Women. It’s for Men Who Want Submissive Wives.
| …For the uninitiated, “A tradwife (short for traditional wife) is a woman,” typically a conservative Christian, “who prefers to take a traditional or ultratraditional role in marriage, including the belief that a woman’s place is in the home,” according to one of the genre’s more popular creators. These conventionally pretty influencers depict themselves cooking elaborate meals, tending to their children and doing housework. Their posts sometimes come with florid captions about the joy and freedom that come from submitting to their husbands, because biblical submission doesn’t connote inferiority. They tend to dress either in 1950s cosplay or barefoot in gauzy, long dresses. The whole discussion can be a trap because the content itself is meant to be a heightened provocation — some tradwife creators post things that they label as triggering opinions and then say they get so much hate for being stay-at-home moms. But they rely on that dissonance in order to create more engagement (which leads to more clicks and more money). These posts have a way of painting feminists as haters who resist their true nature and casting career women in opposition to women who don’t work for pay. The reality is that stay-at-home moms and working moms are frequently just the same people at different points in their lives and that content creation is a paying job: My favorite example of this is the tradwife pitching a $5,900 set of courses on how to be a tradwife. Further, there are tons of reasons any parent might opt to stay home that don’t require buying into tradwife values: Work isn’t always satisfying or well paid, some people want to spend a majority of their time with their kids, and child care is so expensive that it can push a lower-earning parent out of the labor market, to name a few. And as an avowed lover of #cleantok, I have no problem with content about household tasks, but that’s separate from what the tradwives are often cynically pushing. When people criticize the way tradwives troll, they’re very likely to respond that their detractors simply don’t value the hard work of raising children and running a household — when many of their critics value that work tremendously and do it themselves. That said, I’m not particularly concerned that young women watching TikTok are going to be so influenced by this content that they’ll start fleeing the secular world en masse to submit to their husbands, live on farms and bake aesthetic pies. That’s because young women are increasingly rejecting this specific kind of domestic arrangement. According to a November 2023 survey from the Survey Center on American Life at the American Enterprise Institute, 61 percent of Gen Z women said they considered themselves feminists, the highest percentage of any generation. And as the Survey Center’s Daniel A. Cox and Kelsey Eyre Hammond explained in April, “Young women are leaving church in unprecedented numbers,” partly because they “are more concerned about the unequal treatment of women in American society and are more suspicious of institutions that uphold traditional social arrangements.” Women are outpacing men in terms of college graduation rates, and prime-age women’s labor force participation is even greater than it was before the Covid pandemic. Still, some tradwife creators appear to be popular if you look at their follower counts, and they certainly generate a lot of chatter. But I often think: Who is this content really for? Sure, some portion of their followers are probably like-minded women, but a new study from Media Matters made me wonder if the tradwife’s main audience is actually right-leaning men: Media Matters coded and analyzed 327 recommended videos after exclusively interacting with tradwife content and documented what happened. We found TikTok’s recommendation algorithm rapidly populated our F.Y.P. [For You page] with conspiracy theory content and fearmongering, which made up nearly one-third of all videos served to the F.Y.P. After interaction with tradwives, the study found, TikTok’s recommendation algorithm also served up “19 videos featuring extremist right-wing media figures,” such as Alex Jones and Nick Fuentes. (A related idea, put forth by the journalist and internet commentator Max Read in a story by my friend Kathryn Jezer-Morton in The Cut, is that tradwife content is actually for men with something of a Donna Reed fetish: “Maybe it’s a different version of the e-girl phenomenon or the OnlyFans phenomenon. To the extent that I would worry about anything in the future, instead of creating a mass of tradwife women, it feels a lot like you’ll get one or two very famous ones, and a mass of simping male followers.”)… Writing for UnHerd, Mary Harrington recently profiled Lauren Southern, a former right-wing influencer who left her husband and now describes her ultratraditional marriage as abusive. Harrington also spoke to another ex-tradwife, who said that “the men who self-select into these communities are often ‘wayward, antisocial, disagreeable and very, very misogynistic.’” If there’s anyone to worry about watching and absorbing tradwife content to the letter, I suspect that it’s these men. There are too many stories about fathers and husbands who abuse the power they have over their families and too many stories about the wives and children who flee their coercive control. Instead of continuing to talk about tradwives on TikTok or other social media outlets, even to debunk their limited appeal, we should spend more time elevating the stories of the people who made it out of these circumstances. Unlike the manicured, well-lit vision of idealized submission, stories like West’s have no filter. submitted by Ur_Anemone to afterAWDTSG [link] [comments] |
2024.05.16 16:06 healthmedicinet Health Daily News May 15 2024
DAY: MAY 15, 2024
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- 5-15-2024STUDY FINDS LINK BETWEEN BMI TRAJECTORIES AND FRACTURE RISK IN LATE ADULTHOOD
- 5-15-2024STUDY FINDS REDUCED RISK OF BREAST CANCER FOLLOWING BARIATRIC SURGERY IN WOMEN WITH HYPERINSULINEMIA
- 5-15-2024FEWER US OVERDOSE DEATHS WERE REPORTED LAST YEAR, BUT EXPERTS ARE STILL CAUTIOUS
- 5-15-2024PRE- AND POST-SURGICAL IMMUNOTHERAPY IMPROVES OUTCOMES FOR PATIENTS WITH OPERABLE LUNG CANCER, PHASE III STUDY FINDS
- 5-15-2024NEW METHOD USES TAU PROTEIN DEPOSITION PATTERNS TO PREDICT ALZHEIMER’S SEVERITY
- 5-15-2024OLDER NATIVE AMERICANS MAY EXPERIENCE HIGHER LEVELS OF COGNITIVE IMPAIRMENT THAN PREVIOUSLY THOUGHT
- 5-15-2024RESEARCHERS DEVELOP INNOVATIVE PLATFORM FOR MODELING HUMAN MUSCLE DISEASES IN WORMS
- 5-15-2024CLIMATE CHANGE IS LIKELY TO AGGRAVATE BRAIN CONDITIONS, STUDY FINDS
- 5-15-2024NEW STUDY SHOWS CONTINUED HIGH EFFECTIVENESS OF HPV VACCINATION IN ENGLAND
- 5-15-2024FAT-ENLARGED AXILLARY NODES ON MAMMOGRAM MAY INDICATE HIGHER CVD RISK
- 5-15-2024NOVEL INHIBITOR INSIGHTS OFFER PATHWAY TO PREVENTING PXR-ASSOCIATED DRUG RESISTANCE
- 5-15-2024THE DOCTOR IS IN… BUT WHAT’S BEHIND THEM? STUDY REVEALS IMPACTS OF TELEHEALTH BACKGROUND SETTINGS
- 5-15-2024HIGH TELEHEALTH USE TIED TO INCREASED HEALTH CARE UTILIZATION, COST
- 5-15-2024NEW BIOMARKER IDENTIFIED TO DIAGNOSE ALZHEIMER’S IN ASYMPTOMATIC STAGES
- 5-15-2024U.S. DROWNING DEATHS RISING AGAIN AFTER YEARS OF DECLINE
- 5-15-2024STUDY FINDS ASTROCYTIC PH REGULATOR CAN REPAIR BLOOD-BRAIN BARRIER, REVERSE BRAIN DAMAGE CAUSED BY ISCHEMIC STROKE
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- 5-15-2024CARDIAC REHAB IS A PROVEN BUT UNDERUSED THERAPY IN WOMEN, BUT TAILORED RESOURCES AIM TO CHANGE THAT
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- 5-15-2024NEW POSSIBILITIES FOR CELL THERAPIES AND PERSONALIZED MEDICINE
- 5-15-2024HIGHER INCOME REDUCES STROKE MORTALITY RISK BY A THIRD, NEW STUDY SHOWS
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- 5-15-2024TRANSCATHETER VALVE REPLACEMENT OUTCOMES SIMILAR TO SURGERY FOR SEVERE AORTIC STENOSIS
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2024.05.16 16:03 Temperature_Terrible New housing platform Thuispoort sent me an email
I have been struggling to get my deposit back from my landlord and his “makelaar” since July 2023. I moved from Nijmegen to Amsterdam. I have sent them registered post etc, and I have the paper trail covered. So yesterday I sent the ex-makelaar in Nijmegen an email saying that I am going to the authorities with my electricity bills to raise concerns about energielabel fraud (I have documents). It was an attempt that they take my emails and letters seriously. As far as I know they do not have my current house adres. Today I received an email from Thuispoort which is a NEW housing corporation in Brabant - I did not sign up to any housing platform in that province and consider the timing. Can the ex-makelaar use a housing platform to fish for my current house adres to intimidate me? Because it is working.
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2024.05.16 15:58 Guilty_Researcher_54 dost letter of appeal for failing grade
hello fellow scholarss!! ask ko lang ano ininclude niyo sa letter of appeal niyo? is there a format? kindly send me one po pls tyiaa!!
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2024.05.16 15:57 TomTheGawd Incoming MS1, SAVE Plan
Hello. I graduated from undergrad in may 2022 with 25k in federal loans (mix of subsidized and unsub) as well as an 18k private loan at 9%APR. I began repayment in December 2023. I am currently working full time before starting medical school in July. The federal loans are all about 5-7% APR.
I had a few questions about my best coarse of action:
I currently have about 30k cash saved up from working, and want to make the most of it.
- Im currently planning to pay off the private loan entirely, as from what I understand private education loans are not eligible for PSLF. (the servicer is collegeave)
- Since I am currently in repayment, can I apply for the SAVE plan for my undergrad loans before starting medical school? My income based off 2023 tax returns was high, however, I was hoping that I could appeal it with a letter from my employer that my employment has ended etc. As you know, my income from july onward will be $0. I want to do this in hope to minimize interest accrual during med school.
- For the remainder of my income, I wanted to open a SoFi high interest savings account.
Do these ideas all sound solid? or is there something that would be more wise?
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