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Hi!
My PM is giving me a non-renewal and has kicked other tenants out ( I assume because she had a stack of these letters and half of the people in my part of the building are gone since receiving the letter in April)
I'm having a hard time finding an apartment. I trashed my credit due to bipolar disorder and constant job loss due to my illness. I have been in this cycle of paying them off when employed and running them up and becoming delinquent when unemployed. I admittedly listened to bad advice a couple of years ago at 24 to file for ch 7 as this isn't the first time I've been in financial ruin. so I now have a bankruptcy and a trashed credit score.
I also have the issue that I had to live with my sister due to illness and it was her first time renting and she wasnt good at paying her part so we had many times where the rent was late. I recently combed through our ledger and it seems as thought we had a running balance the entire 3 years (although, im not sure because the PM definitely said she was renewing this year because we were never late last year) There is also no way to see who paid what besides combing through bank statements.
ALSO my sister may have to live with me that may cause some problems. Our brother committed fraud in her name. He got evicted from an apartment in her name, ran up peoples gas, and comed. so her credit is wrecked and she won't even do anything about it!
But, The good thing is I have gotten a subsidy for those with mental illness, but my adverse credit/score is getting in the way with big companies. Is there anyone who can recommend companies ,private landlords etc who will rent to someone like me? NOTE: I used to work as a housing specialist for a similar subsidy and I know there are neglectful PM/landlords when people have subsidies. I don't remember what companies they used but I do know that I want to avoid Cagan as they were notoriously hard to get a hold of.
Is there someone you know of that will overlook credit/bk if they know the rent will be paid for an entire year? Also, I'm looking in Uptown, Edgewater, I may even go to rogers Park or West RP (these areas specifically because my sister goes to loyola and I was worried about the trains and coming back down to Lakeview and looking for more diversity) If there are any other neighborhoods that are easy to get to and from loyola as a woman safely and easily by public transit and diverse I would appreciate any suggestions!
I'm desperate a there is a time crunch of August 31st. It just always seems when things go right something goes wrong 😕 This is causing serious stress while trying to do graduate school myself and regaining how I used to feel prior to diagnosis with meds and extremely good therapy! I have realized the traps of credit and what NOT to do when manic to not have this happen again and working on keeping a job through crisis😊
*** sorry for the sloppiness typed fighting through ambien 🤣🤣
*** I am currently unemployed but looking for a job preferably that could pay for school as a current grad student as I'm running out of aid. or I am attempting to apply for SSI or AADB (if anyone knows any tips for this I would appreciate it as well!!!!)
Thank you for any of your help and advice, and guidance 🙏🏽 anything mentioned will be researched and pursued like a bloodhound 🤣

Hey I'm not sure if this is the sub to post this. Basically, me and my bf (21&22) are wanting to buy a house. We're a little ways away and have some saving up to do. But here's the deal. My credit is 740? Last time I checked. His is closer to 520. I am currently unemployed (SAHM) and he is self employed. He sells trading cards and makes enough for us to live comfortably while I take care of our toddler and apartment (yes he pays taxes, we get asked that a lot)
So basically the title. We don't care if we have the piece of paper or not. We don't want a ceremony/party. It's around $80 to get married where we live so it's not like we'd go into debt. But I'm curious, in the context of buying a house are there any pros or cons? Does it even matter to a lender? Advice and wisdom are appreciated!

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I opened up the HX80G to apply some ptm7950 to improve the temperatures on the GPU (and surprisingly CPU). I figured I would write a step by step guide on how to disassemble this unit since there is very little information online on how to do so. Steps:
First you should know that the process is not very friendly, and while I did it successfully even though I am not an expert, I do not encourage doing it if you are a beginner and there is a risk of breaking your mini pc.
1) Remove the two rubber strips covering the screws from the side and remove the four screws holding on the side panel. Remove the side panel helping yourself with a plastic spudger or credit card-like material
2) Remove the four screws holding the PCB brace and remove the PCB brace panel
3) Detach and remove Wi-Fi card (detach the two cables from the wifi card), nvme drives, and RAM. One of the two cables of the wifi card should be taped to the motherboard. Gently lift the tape so that the cable can move freely.
4) Remove the four brass hex standoffs that are holding down the motherboard. You will need the right screwdrivetool for this.
5) Remove the motherboard. This is one of the harder parts because the motherboard is tightly placed inside the case. You should eventually be able to pull it out. Pay attention to the large ribbon cable attached tro the case and don't break it while removing the motherboard. "Flip" the motherboard to the side and finally detach the cable with your fingertip.
6) Disconnect and remove the fans. The are two fans, each their own white connector. Gently pull the connector up, from the base. Remember the original position of the fans. Each fan has 3 phillips screws and you will need a thin screwdriver to unscrew those.
7) Prepare a towel on flat table and lay the heatsink assemblies face down on the towel.
8) Remove screws from back side of motherboard. Should be 8 screws in total I think.
9) Separate heatsink and motherboard. They are hard to separate because they are kind of stuck together near the CPU and GPU. I recommend heating the surface near the CPU from the side of the motherboard for a couple of minutes with an hairdryer, and then use some strenght to carefully separate the two without breaking anything. Know that once you open this up, you will most likely break the protection layer of the liquid metal, so now it's basically mandatory to change the thermal compound.
Now you will have to remove all (I repeat all) traces of liquid metal. It will take you at least a couple of hours. Look up liquid metal on youtube to understand how to remove it and what happens if you don't clean it off properly. Then you will have to apply some thermal paste or something similar. I applied ptm7950 and it did the job, but you could use some high performance thermal paste too I guess.
Finally you have to follow the steps backwards to reassemble the unit. I hope this guide will be useful to some of you.

I have this book available immediately in converted pdf and original epub form both for $7.
https://drive.google.com/file/d/1b6qv1ty4aeflw5jeK2jsDy6JnUD10Xne/view?usp=drive_link
I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, Zelle, or debit/credit card. I can also accept BTC.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
Just contact me if interested

Hi!
My PM is giving me a non-renewal and has kicked other tenants out ( I assume because she had a stack of these letters and half of the people in my part of the building are gone since receiving the letter in April)
I'm having a hard time finding an apartment. I trashed my credit due to bipolar disorder and constant job loss due to my illness. I have been in this cycle of paying them off when employed and running them up and becoming delinquent when unemployed. I admittedly listened to bad advice a couple of years ago at 24 to file for ch 7 as this isn't the first time I've been in financial ruin. so I now have a bankruptcy and a trashed credit score.
I also have the issue that I had to live with my sister due to illness and it was her first time renting and she wasnt good at paying her part so we had many times where the rent was late. I recently combed through our ledger and it seems as thought we had a running balance the entire 3 years (although, im not sure because the PM definitely said she was renewing this year because we were never late last year) There is also no way to see who paid what besides combing through bank statements.
ALSO my sister may have to live with me that may cause some problems. Our brother committed fraud in her name. He got evicted from an apartment in her name, ran up peoples gas, and comed. so her credit is wrecked and she won't even do anything about it!
But, The good thing is I have gotten a subsidy for those with mental illness, but my adverse credit/score is getting in the way with big companies. Is there anyone who can recommend companies ,private landlords etc who will rent to someone like me? NOTE: I used to work as a housing specialist for a similar subsidy and I know there are neglectful PM/landlords when people have subsidies. I don't remember what companies they used but I do know that I want to avoid Cagan as they were notoriously hard to get a hold of.
Is there someone you know of that will overlook credit/bk if they know the rent will be paid for an entire year? Also, I'm looking in Uptown, Edgewater, I may even go to rogers Park or West RP (these areas specifically because my sister goes to loyola and I was worried about the trains and coming back down to Lakeview and looking for more diversity) If there are any other neighborhoods that are easy to get to and from loyola as a woman safely and easily by public transit and diverse I would appreciate any suggestions!
I'm desperate a there is a time crunch of August 31st. It just always seems when things go right something goes wrong 😕 This is causing serious stress while trying to do graduate school myself and regaining how I used to feel prior to diagnosis with meds and extremely good therapy! I have realized the traps of credit and what NOT to do when manic to not have this happen again and working on keeping a job through crisis😊
*** sorry for the sloppiness typed fighting through ambien 🤣🤣
*** I am currently unemployed but looking for a job preferably that could pay for school as a current grad student as I'm running out of aid. or I am attempting to apply for SSI or AADB (if anyone knows any tips for this I would appreciate it as well!!!!)
Thank you for any of your help and advice, and guidance 🙏🏽 anything mentioned will be researched and pursued like a bloodhound 🤣

I have this book available immediately in original publisher pdf form for $7.
https://drive.google.com/file/d/19dac_9c44qjwDVyKURAojYoy8-p9afpo/view?usp=sharing
I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, Zelle, or debit/credit card. I can also accept BTC.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
Just contact me if interested.

I have this book available immediately in original publisher pdf form for $7.
https://drive.google.com/file/d/1fWjUocm5X_Dd5aKV8DqJxhNdbF5UOVs2/view?usp=drive_link
I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, Zelle, or debit/credit card. I can also accept BTC.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
Just contact me if interested.

I can get this book in 24 hours in searchable pdf form for $7.
https://drive.google.com/file/d/1ooK0XjFbhKgELI-ODguu5hIrH2G9MHzB/view?usp=drive_link
I offer a book-finding service for $7 for the first book and $3 for each additional book in the same transaction, as long as I have them, so if there are any others, I will do them cheaply if I can find them Upon your agreement that you will pay the $7, I will create a sample that includes the cover up to the first page of chapter 1, and then pages 100, 200, 300, 400, and 500. You can then pay via PayPal, Venmo, Cash App, Wise, Zelle, or debit/credit card. I can also accept BTC.
Upon payment, I will provide you with the book in a permanent Google Drive folder.
Just contact me if interested.

For a small bit of context, I work in a small (but relatively well-known) shoe brand in Australia as a keyholder (i.e. I have a key to the store and so can do stuff like opening and closing shifts). On Sundays (like today), we are open 10 am - 6 pm, so a pretty good 8 hours. Here's the story of how my day just kept getting better thanks to 3 different customers (apologies in advance for the length!)
\1. I got to work at around 9:55 this morning, leaving just enough time to do my start-of-day cash count, maybe opening like 2 minutes late. We had a new person do all day yesterday, and it was her first time doing EOD duties, so she wasn't too sure about the full procedure when it came to banking, so she left a note asking me to finish it off for her. No problem, meant I'd probably be opening about 5 minutes late. At this point, I noticed an old man in maybe his 70s standing outside our front door taking a phone call, which whatever, people stand outside our store for all sorts of reasons all the time, especially given our proximity to the escalators and the toilets
I finished fixing up last night's banking and EOD slip and got onto my SOD slip and cash count, at maybe about 10:03 at this point. I had all the cash out on the register, clearly visible through the windows (doors locked of course), so it's obvious I am doing important stuff. Old guy starts knocking on the front door, however I just ignored him as I counted the cash. He realises I won't look up from my count and comes around to the side door and starts knocking on that. Once again, I don't respond, just keep counting and writing down what I need to on my slip. He does this a few more times, back and forth between the doors and knocking, increasingly louder while I'm counting cash, during which time I realise I've miscounted (off by around $4), as a result of him trying to get my attention
By this time, it was around 10:07. I start checking increasingly smaller amounts starting at $2 coins, emptying the pre-counted bags to make sure I've counted properly, in full view of anyone going by. Old guy is STILL knocking. I eventually got my SOD all figured out and got the POS area ready for trading and started approaching the door at like 10:10. At this point, old guy has stopped knocking and is instead gesturing at his wrist, asking "what time do you guys open?" to which I give a vague "I just had some admin stuff to do". He looks at our shoes for about 30 seconds before asking if we have any belts to which I inform him we do, just next to the counter. Has a quick look before asking if we have anything similar to what he was wearing, which we didn't. He says he bought it at a store in the city (great, we live about 25 km south of the city so that's not helpful). I just apologise and recommend either [nearby menswear stores T and C] or [nearby department store M]. He walks off at 10:12. Why did you wait a whole 10 - 15 minutes for me to open, just to be disappointed that we don't sell what you're after (which by the way, our belts are also visible through the window)

1. Sometime after coming back from lunch, I had these two sweet customers (mum and daughter) come in and start looking around at shoes they wanted to wear for an upcoming holiday. I grab them the ones they were after and make sure the sizing is fine. Just before they came to pay for them, they wanted to quickly try on a pair from our clearance rack, so I suggested that we have several pairs under $50 there (for reference, our women's generally range from $100 - $300 and our men's around $150 - $250). They picked up a pair of the $38 heels we have which we just so happened to have in their size. In the end, the mother ended up buying a pair of sandals as well as some shoe care (very thankful for due to stupid $30 daily target). The daughter got two pairs of shoes, which meant I got a little shout-out from the owners for a "multi" sale. Overall they were very sweet and we had a good chat about their holiday plans :)
   
2. Around 4:45 pm at this point, a well-put-together man in his 30s comes in and just wants to try on a pair of European-made boots, which I grab for him while I help other customers. Eventually, he tells me he needs a replacement for another pair of boots of ours which he has owned in the past and so I start suggesting some options, going through maybe 5 or 6 different styles to find a few he liked. I grab those for him to try on and the whole time checking how each pair fits, and what he does and doesn't like about each pair. He ended up picking one of these pairs to get as well as the initial pair he came in for. At this point I thought the transaction was nearing the end, but he suddenly asked if I had one of the styles in any other colours too, to which I responded we had the tan and dark brown and got those to show him. He ends up trying on the tan and liking it, decides to get that and the original black pair which he wasn't too sure on. At this point now he is getting 4 pairs of shoes
   

For a bit of additional context, we have a "multi competition", essentially sell $800+ worth of shoes in one transaction ($500+ if you work at the outlet store) and get a $300 visa gift card! As I'm packing away the shoes I'm thinking "is this $800??" I knew a few of the pairs were just under $200 but wasn't sure of their exact prices. I get everything up to the counter and scan it all. $830. I was practically shitting myself at this point as I never thought the day would come were I would win the multi prize. I inform him of his total and ask if he is a member, which he is, so get that all put in. At the end of the transaction, I send him off wishing him an excellent evening before giddily sending off an email to the owners to let them know I'd hit the target! I was just so elated and shocked simultaneously, like "did I seriously just win this?!" That confirmation email practically made my night, to the point where I just stopped being mad at the customer from that morning, as this basically doubles my pay for the week
I honestly just cannot believe how amazing my day has been and how it's been able to go from a terrible start to a surprising but exciting end! It's days like these that I think make the job worth it, especially as a broke 1st-year uni student

Below you will find a weekly reminder of our Rules and partial FAQ. It's definitely a long read, but it's worth your time, especially if you are new to the community, or dropping by as a result of a link you found elsewhere. We periodically revise our rules, this weekly notice will help keep you informed of any changes made.
NOTE: These rules are guidelines. Some moderation discretion is to be expected.

Community Rules

1. Kindness Matters

Advise, don't criticize.

• Post with empathy, thoughtfulness, and constructive commentary rather than judgment. Don't be an asshole.
• Name-calling, slurs (including gender or race based slurs), and insults towards other community members will not be tolerated. Do not attack others for their personally held values, custody situation, marital status, physical distance from stepkids, or economic status; or on the basis of race, sex, sexual orientation, age, religion, or ethnicity.
• No name-calling toward children, including the above-mentioned insults or the term "skids", or terms such as "mini-wife" or "mini-husband."
• Comments advocating spanking or any mention of wanting to harm children are not allowed.
• This is a support sub, not a judgement sub, assholes are not tolerated. Comments with terms used in other subs to pass judgement on assholes will be removed.

2. No Drama

This is a support sub.

• Bickering, nitpicking, and thread derailment will not be tolerated and will be subject to removal at moderator discretion.
• Do not repeatedly badger a poster demanding answers, or refuse to acknowledge an answer that's already been given.
• Do not use sensitive issues from past posts (either from this sub or other subs) to attack another user, as we are all discussing vulnerable topics.
• Crossposting anything from /stepparents to any other subreddit might result in a ban and may result in the original thread being locked. Brigading our sub will result in an immediate ban.

3. Report, Don’t Rant

No backseat modding.

• If you see someone breaking the rules, report the post or comment to the mods rather than engaging them in an argument. Failure to do so may be subject to comment removal at moderator discretion.
• No meta posts complaining about rude comments, DMs, or general sub issues.
• If you think someone is a troll or previously banned user, either use the report function or message the mods to direct their attention to the issue.

4. No Naming & Shaming

No userpings or links.

• Tagging/pinging users or other subreddits in an attempt to bully, harass, or complain will not be tolerated. Do not tag other subs, ever.
• If you want to complain about another subreddit being hostile to stepparents, do not name the subreddit. "Other parenting/advice/judgement subs" will suffice.

5. No Platitudes

Nobody knew what they were getting into.

• Comments like "You knew what you were getting into", "Love them, love their kids!", "They're a package deal!" and "You have to love them like your own!" will be removed.
• Comments suggesting that OP is not cut out for stepparenting will be removed at moderator discretion.
• Comments like "This is just a part of parenting, deal with it!" will be removed at moderator discretion.

6. No Trolling

We have zero tolerance for trolls.

• This is a support sub. Our subscribers do not have the time, nor inclination, to provide support to internet trolls. Posts that are suspected to be trolling attempts will be immediately removed, and the poster banned.
• Concern trolling, devil's advocating, gish-galloping, sealioning, and general asshattery are subject to immediate removal and banning without warning or notice.
• Any attempt to circumvent the ban by creating a new username will be reported to reddit admins and possibly result in account suspension.

7. No Personally Identifiable Information

Use discretion when posting.

• We highly recommend using a separate account for support subs to help prevent being doxxed. Do not post any information that may allow others to figure out your identity.
• Do not post photos of children, or any other photo that could be used to identify you or another user on the sub.
• Any image that contains a name or other identifying information should have the name or identifying information blurred out. This includes drawings, notes, and screenshots.
• Do not link to social media or any articles/blogs where you or another user on the sub is mentioned by name.

8. No More than 2 Posts per 24 hours

Use the daily threads.

• We are not a huge sub, but we are no longer a small sub. If you have multiple grievances to air, use the daily discussion threads instead of multiple posts.

9. Follow Reddiquette

Remember the human.

• Adhere to the same standards of behavior online that you follow in real life.
• Read it in full here.
• Downvoting is reserved for comments that don’t contribute, and shouldn't be used to indicate disagreement.
• If you believe someone is in violation of the subreddit rules, please either use the report function or message the mods to direct their attention to the issue.
• Suspected brigading will be reported to reddit admins.

10. No Porn, Spam, Blogs, or Research Studies/Surveys Without Mod Approval

Just don't.

• This is a SFW subreddit. Posting pornography will result in immediate post removal and permanent ban.
• Advertising on the subreddit (outside of Reddit's own advertising) is not allowed.
• No personal blog posts are allowed without express moderator permission.
• No advertising without prior mod approval.
• No asking for money/posting fundraisers/etc.
• For links to parenting research studies or surveys, please message the mods for permission before posting.

11. Disputes in Modmail Only

Don't argue with the mods on the sub.

• Any issues specifically related to how a mod is moderating should be addressed to the full moderating team via mod mail. This ensures that all mods are aware of any concerns and prevents disintegration of the topic thread at hand.
• This means to do not message or send chat requests to individual mods. All discussion and complaints about mod actions need to be done in mod mail ONLY. Failure to follow this rule can result in an immediate permanent ban.
• Comments in threads asking about mod decisions are subject to removal without notice.

12. Moderator Actions

We aren't kidding.

• Users are expected to know the rules before posting. If you are warned or banned for violating the rules, ignorance is not an excuse.
• Moderators will remove posts and comments and/or lock threads in accordance with the rules above. Typically this happens when threads have gone off-topic in a way that is not productive for the OP, or comments overall have become contentious or disrespectful.
• If a poster continues to argue or to willfully violate these rules, temporary and permanent ban procedures will be followed. Any attempts to avoid or bypass temporary bans will result in a permanent ban. User bans will not be discussed in the sub. Questions posted about user bans are subject to removal and the poster subject to warning/ban procedures. The mod team will not discuss a specific user ban with anyone other than the user involved.
• New accounts are subject to manual approval until they are no longer deemed "new" by the mod team. This helps to weed out trolls and ban evaders.
• We rely on Automoderator to scan for specific words and phrases that are not welcome here and notify the mod team to review the comment or post. This includes slurs of any type and platitudes such as "Love them as your own!"
• The mod team uses a combination of blacklisting and banning when dealing with trolls.
• We employ the use of a bot that automatically bans anyone who comments in subs that have historically harassed our users. If you are picked up by the bot for telling trolls to get fucked, reach out via mod mail and we'll get you sorted out.
• The rules above as well as ban procedures are considered guidelines only; some deviation may be necessary on a case by case basis and/or at the mod team's discretion.

13. Ban Procedure

These actions are at moderator discretion.

• Pornography will result in an automatic permanent ban.
• Extremely egregious content will result in an immediate permanent ban.
• You may receive a 7 or 30 day temporary ban for first and second rule violations, depending upon severity.
• Continued rule violations will result in a permanent ban.
• Willful attempts to avoid or bypass temporary bans will result in a permanent ban.
• We recognize the reddit site-wide rules of using alt names to get around bans and will ban those as well as report them to reddit admins.

​
​

FAQ - About the Rules

What does Kindness Matters mean?

• Shortest version? Don't be an asshole. People come here for support and advice, they do not come here to be yelled at or told they are the reason everything is going sideways. There are ways to point out that someone may want to do some reflection on their own actions and reactions without being an asshole about it.
• The purpose of this subreddit is to provide support and a sense of belonging for struggling stepparents. We aren't here to pass judgement, but rather to offer support, empathy, and constructive commentary. That does not include "hard truths" or "tough love." Stepparents get enough of that in every other subreddit, we're not passing it out here. Be respectful.
• Remember, most people aren't going to come to a sub like this when everything is going great and everyone is getting along. People are coming here when they are down, when they are feeling defeated and stretched to the limit. Kicking someone when they are down is shitty behavior and we don't tolerate it.

What about being kind to the kids?

• "Won't somebody think of the children?" Pearl clutching isn't needed here. If you read the Kindness Matters rule closely, you will see that there is a clause in there about name calling children. We don't allow it. We also don't allow people rolling in telling OP that they feel sorry for their stepkids because OP is feeling overwhelmed and overloaded.
• If anyone is advocating slapping, spanking, or any other form of violence, report the comment immediately. We do not advocate violence towards children of any sort. The mod team does not advocate any sort of physical punishment at any time.
• Venting about behaviors is not the same as insulting the kids. However, if you see a post or comment where kids are being name called or dragged to the point of no return, use the report button. We try to catch the posts and remove them before they hit the sub, but we cannot see every comment without your help. Use the report button to bring problematic comments to our attention. Don't engage in a war of words on our subreddit.

Why is this sub such an echo chamber?

• Not allowing contributors to pile on and tell OP that they are a terrible human being who should never be around children does not equate to being an echo chamber. Many contributors here will offer OP suggestions to help them work through their resentments and frustrations, and the most egregious situations are called out. We simply ask that it be called out with respect.
• If you feel that a post is simply too much for you to handle without following the rules, move on to another post.
• If you believe that a post itself is crossing the rules report it. If the mod team has approved the post, it is because the mod team believes that the OP needs help from the community or needs a moment to vent and move on from their vent. That does not give you license to pile on disrespectfully. Unless it is proven that OP is a bot, assume that OP is a human being with real thoughts and feelings and has posted from a place of vulnerability.

Why can't I tell OP that they are an asshole?

• Because this isn't a judgement sub. We aren't AITA, we don't want to be AITA.
• Comments with terms like YTA, NTA, ESH, NAH will be removed.
• Don't start your posts with INFO either. We generally recognize that as a fishing attempt for more information to pass judgement on OP, and again, we are not a judgment sub.

But OP asked if they were an asshole?!

• Their post somehow got past our automoderator. Just use the report button. We will address it with OP.
• If you've asked if you are an asshole, a-hole, a*hole, a**hole, whatever, don't be surprised if your post is removed without warning. This isn't a judgment sub. If you want judgment, you know where to go.

What is a gendered slur?

• While it seems that everyone understands what racist slurs are, people struggle understanding the concept of gendered slurs. Generally speaking, we are talking about derogatory nouns or verbs that are used to negatively describe people or situations based on gendered terms.
• We've gone back and forth on this a few times, and the truth is, we get it, it's your safe space and you want to be able to vent about BM/BD how you want to vent about them, without us telling you how to vent about them. Fair enough. Vent away. What we are going to stick to here how people are referring to other users and to stepchildren.
• Examples that are not allowed:
  • "My SD is such a little bitch."
  • "She dresses/acts like a slut."
  • "My SS acts like a pussy."
  • "My SS is such a beta male."
  • "You are all fucking whores."
  • "Any dude who is raising some sluts kids is a cuck!"
  • "Little Lord Fauntleroy over here thinking he runs the house!"
  • "You're just the bangnanny, get used to it."
• Don't call users here names, don't call stepchildren names.
• Masking the term with asterisks or other neat little tricks might get you around the bot, but if we see it, we're removing it and quite possibly giving you a time out. The intended word is still there and you deliberately tried to skate the rule.
• As there is not enough space to list every term that is offensive and does not belong, nor every situation in which term or phrase may be allowable in context, this rule is enforced based on moderator discretion.

Seriously? You are the language police now?

• We're here to talk about stepparenting. And we would like for that to happen in a respectful way. Attacking each other doesn't help. Belittling stepchildren draws in trolls who don't understand your frustration, all they see is an evil stepmonster talking shit on the internet about a poor, innocent baby. Yes, even if that "poor, innocent baby" just robbed you blind and set fire to the house on their way out the door. That's just how it goes.
• We are aware that this is a relatively new rule and a lot of older posts and comments contain a lot of problematic language, including some from mods themselves. We are growing and evolving, and rules change as the sub grows and evolves.

What does No Drama really mean?

• Pretty much what it says, do not bring drama from other subs into this sub. Do not engage in vote brigades. Do not try to incite other subscribers to riot in a different sub. Don't follow posters into this sub from other subs to continue to harass them. Do not badger someone or derail threads. Do not harass community members because you don't agree with them. There's enough drama in the daily lives of subscribers, more isn't needed.

What is thread derailment?

• When a comment chain has devolved to the point where all you are doing is arguing back and forth with someone about the same thing over and over again, you have derailed the thread. Also known as bickering. It's what children do. We assume if people are in a stepparent role they are adults. We expect you to act like it.
• If you aren't a stepparent, or in a stepparenting role, consider that perhaps this subreddit isn't for you. If you want to participate, do so with respect. Thread derailment, arguing, bickering, and nitpicking are not allowed.

But what if they didn't answer my question?

• No one has to answer your questions. This is a support sub, not an inquisition. Jumping on a bandwagon with "OP is evading the question" in a 20 comment long chain is the epitome of thread derailment. You'll find more information about trolling below and how this might be considered such.

Why am I being silenced? I'm just asking for a back and forth!

• Thread derailment, badgering, and nitpicking are considered harassment. Continued harassment of either community members or mods will get you banned.

Why can't I look at someone's post history and comment about it?

• No mod in the history of this sub has ever once said post histories are forbidden. What we do frown upon is using someone's post history to attack, belittle, or otherwise harass someone.
• Example Post: "My stepkid's mom really hates me. How can I make this better?"
  • Okay: "Based on the timeline and your post history, it looks like this may have started as an affair. Unfortunately there's going to be outstanding issues for a long time due to that. Try focusing on yourself and how you can move forward without worrying about how someone else feels about you."
  • Not Okay: "Holy shit! You were the OW! What the hell do you expect, homewrecker?!"
• Example Post: "I am completely overloaded and feeling very down about myself."
  • Okay: "In your post history you mentioned that your spouse wasn't really helping around the house. Has that changed at all?"
  • Not Okay: "LOL, you already got the answers you need in your post on relationships. You are stupid for sticking with your lazy spouse."

Why can't we crosspost stuff to other subs?

• We can't stop you from doing so. The problem isn't that something has been crossposted, it's when the community that it's been crossposted to feels the need to come over here and harass OP. When we see that happening, we lock the post and start passing out bans. If you did the crossposting, you'll be banned. If you participated in the brigading, you'll be banned.

What if it's my own post?

• Again, we can't stop you from doing so. We prefer that you don't technically crosspost, but rather just copy and paste your post. Why? Because inevitably the above will happen. Redditors from other subs will follow you back to /stepparents and start attacking users here. It just happens.

What is "brigading"?

• Reddit defines vote manipulation and brigading as follows:
• Using multiple accounts, voting services, or any other software to increase or decrease vote scores.
• Asking people to vote up or down certain posts, either on Reddit itself or through social networks, messaging, etc. for personal gain.
• Forming or joining a group that votes together, either on a specific post, a user's posts, posts from a domain, etc.
• We, along with pretty much every other subreddit that has ever had to deal with this nonsense, further define brigading as this: You saw a post on another sub that linked to our sub either via a link in a comment or a crosspost. It was basically saying something along the lines of "OMG, check out these assholes over on /stepparents! They literally hate all their stepkids!" And then you and your friends come over and start hammering on OP and telling OP how much they suck. Congrats, you have just participated in a brigade.

What is this whole Report, Don't Rant thing about?

• If you see a post or comment that breaks the rules, instead of engaging, report it. When you report it, it sends notification to the mod team. We will act on it where appropriate. Engaging with bad faith users may result in your comments being removed. If you repeatedly do so, you may end up being banned.

What if I see an obvious troll?

• Report it.

What if they are being really mean in comments?

• Report it.

What if they are harassing me in private messages?

• Step 1: Report them to admins. You can report harassment to reddit by using this link or send a DM to reddit admins. Include the link to the DM, admins can see your inbox and providing a direct link is helpful for them to weed out bad actors.
• Step 2: Block the person so they cannot directly contact you again.
• Step 3: Send us a mod mail and let the mod team know. Tell us who they are and what they said, send us a screenshot if you can - admins can see your DMs, mods can't. We'll take action where necessary by banning from the sub if they aren't already banned.

What do you mean by No Naming & Shaming?

• Just as we prefer to not be linked to or crossposted from, we do not allow linking to or calling out other subs by name. If you see something you want to share, say it's a hot post that has hit the front page and a stepparent is being absolutely flayed, just refer to it as "that hot post that hit the front page." If you want to complain about other places in general, "other parenting/advice/judgement subs" will suffice. Absolutely under no circumstances should you link to anywhere else.

I can't link to other subs?

• Do not directly link to another sub. (e.g.: "/insertsubnamehere is ridiculously hostile to stepparents!")
• Do not name other subs. (e.g.: "I won't link to it directly, but insertsubnamehere is ridiculously hostile to stepparents!")
• Do not abbreviate other subs. (e.g.: "I know that ISNH is ridiculously hostile to stepparents!")

I can't ping other users?

• Do not summon another user with a username ping/tag. (e.g.: "insertusernamehere was being an asshole.")
• If you are agreeing with someone, it is okay to link to them. (e.g.: "I agree with insertusernamehere, you need to take a couple of steps back and reflect on this.")

What does No Platitudes mean?

• Sanctimonious, overused clichés that grossly oversimplify the stepparenting experience are neither wanted nor allowed here. We have all heard it a thousand times before, we don't need to hear it again. It's not nearly as insightful and wise as some would like to think.

Why don't you people understand it's a package deal?

• Any comment that suggests that OP should have known what they were getting involved with, or that they needed to understand that the kids were part of some package they needed to accept before signing up for marriage is subject to immediate removal.
• This is one of the most insensitive things you can say to a stepparent. Most stepparents were aware of the children, but they were probably not aware of all of the family dynamics.

Why can't you just love them like they are your own?

• Demanding that a stranger you do not know love children that are not biologically theirs as if they were theirs can be incredibly damaging to someone who is already in a vulnerable situation. Any comment that falls along these lines will be removed.

What do you mean by No Trolling? I was just...

• No means no. No trolling. No pretending to be a stepparent and then whipping out the Greatest Hits Bingo Card of The Worst Stepparent in the History of Stepparents. We see you. We've seen you a thousand times.

What does "concern trolling", "gish-galloping", and "sealioning" have to do with stepparenting? This isn't a debate sub, why are you using debate terms?

• That's absolutely right, this isn't a debate sub. And yet, here we are, day after day, having to defend ourselves against this sort of thing. So, enough. No more. Usage of any of these things will get you banned.

What is "Concern Trolling?"

• A concern troll is someone who disingenuously visits sites of an opposing ideology to disrupt conversation by offering unwanted advice on how to solve problems which do not really exist.
  • Example Post: OP expresses concern that she will feel, and possibly act, differently towards her stepchildren after her husband decides that no, he doesn't want anymore children after all.
  • Example Concern Troll pulled from actual mod mail after their comment was removed: "Possible child abuse claims need to be sorted out well before whatever empathy you believe the OP was looking for."

What is a "Devil's Advocate"?

• "I'm just playing devil's advocate here, but have you considered that maybe BM is just really tired and needs a break, too?" BM has dozens of different mom based subs alone on reddit she can complain on, this sub is for stepparents. The stepparent doesn't need to consider that maybe BM is just really tired and needs a break.

"Gish-galloping?" What does that even mean?

• The Gish Gallop is the fallacious debate tactic of drowning your opponent in a flood of individually-weak arguments in order to prevent rebuttal of the whole argument collection without great effort. The Gish Gallop is a conveyor belt-fed version of the on the spot fallacy, as it's unreasonable for anyone to have a well-composed answer immediately available to every argument present in the Gallop.

And "sealioning?" What's that?

• Sealioning involves jumping into a conversation with endless polite, reasonable questions and demands for answers, usually of entry-level topics far below the actual conversation (e.g. "please prove sexism exists"). This tactic differs little from harassment; instead of discussion, the point is to derail discussion, receive criticism (for their ignorance) so as to look like a victim, or to make someone feel overwhelmed and quit talking.

Who gets to define what is considered asshattery?

• The mod team, of course! If we feel that comments are out of line, are trolling, are leading up to a fight or "just asking questions", we are going to remove them and most likely ban the offender.

​
​

FAQ - Sub Questions

Posting Guidelines for Stepparents

• Body text is required, we suggest you use line breaks between paragraphs as a wall of text is difficult to read. Posts that have only a title are likely to be removed. Instead of using names (even fictitious ones), try to use the sub acronyms. It helps our users to follow along if you use the acronyms and not names.
• Assign a post flair that accurately describes what your post is about and what you are seeking. If you are posting an update from a previous post, include a link to that post.
• Flairs are applied to posts to determine what a person is looking for. When submitting a new post, you should choose a flair that specifies if you are looking for advice, support, etc. The following link flair is available and is color coded with side bar links so that you can search by flair:
  • Advice - For when you are specifically asking for advice or help.
  • Announcement - Mod Use Only, for subreddit announcements.
  • Daily (Formerly TTP) - Mod Use Only, for our daily discussion threads.
  • Discussion - A little advice, a little "How does your family handle this?"
  • JustBMThings - Pretty sure this is self explanatory!
  • Legal - Asking for legal advice? Tag it with this!
  • Miscellany - Just a sort of off topic thing? Use this tag.
  • Resource - Sharing a good resource or asking for one? This is the tag you need!
  • Support - For those days when you want nothing but a good old fashioned cry and some community love.
  • Update - Updating us on something that you posted about previously? Use this one!
  • Vent - We all need to vent sometimes. Respect the tag as a vent. This isn't how OP talks all day every day.
  • Win! - Celebrate those wins with us with this tag!
  • Megathread - Mod Use Only, for large mega threads (typically around major calendar events.)

Posting Guidelines for Bioparents

• Stepparents is a support community for stepparents, by stepparents. As bioparents, you may want to have more insight into how the stepparent in your life feels or thinks. You may have questions on how to ease the transition for your partner. However, please keep in mind that this community was not created for you. It was created for your partner or your ex's partner. If you are seeking support on how to deal with a stepparent, there are other subs more suited for your situation and your post is subject to removal.
• There are some posts from bioparents we will accept:
  • Seeking advice on how to support your partner as they navigate stepparenting
  • Seeking resources to help you better support your partner
  • Seeking resources for your partner
• There are some posts from bioparents we will not accept:
  • Complaints about how the stepparent is too involved in your kids lives
  • Vents about how the stepparent is not involved enough in your kids lives
  • "Cautionary tales" advising stepparents to back off
  • Seeking advice on how to tell the stepparent to back off
  • The Do's and Dont's of Stepparenting
  • How your kid's stepmom is literally The Worst
• Comments from bioparents that are helpful and supportive are welcome and appreciated. Comments from bioparents that are not helpful or supportive are not welcome and subject to removal. There are several other subs that may meet the needs of bioparents better than we can. We recommend /coparenting, /parenting, /parents, /blendedfamilies, and /singleparents as starting points.

Guidelines for Stepkids

• At this time, we do not generally accept posts from stepkids. Comments from stepkids that are helpful and supportive are welcome and appreciated. Comments from stepkids that are not helpful or supportive are not welcome and subject to removal. If you are a stepkid seeking support, we highly recommend /stepkids. It is a very supportive community specifically for stepkids. We also recommend /blendedfamilies as another potential group for support.

What the heck are all these acronyms? I'm confused!

• Check out the Common Acronyms wiki page. We try to keep this updated as new terms are introduced to the sub.

Why aren't my posts or comments showing up?

• New posters and accounts go through a waiting period before their posts will show in the sub and the comments on posts automatically. During the new account approval period the mod team will check posts to be sure you aren't attempting to circumvent a ban with a shiny new account. Please be patient while the timer runs down on your "new" status and the mod team approves your posts and responses.

Why was my comment removed?

• Comments are removed when they do not follow the rules of the sub. These rules are published in several places for your reading pleasure.
• Comments are removed at moderator discretion. In some cases your comment may be removed while another remains up. If you find this to be the case, and you believe the comment to be violating the rules, instead of arguing with mods or demanding they remove the additional comments, just report it.

This comment/post is really offensive! Why is it still up?

• All moderators are volunteers and have busy real lives. Sometimes things get past us. The best thing you can do is report anything you find offensive or inflammatory. It's the quickest and most reliable way of alerting us to an issue.

I've received a hurtful/unwanted PM from someone about my recent post. What should I do?

• If you receive an unwanted/hurtful PM from a name you don't recognize, please report it to Reddit Admins using our handy pre-populated form. Be sure to include the permalink to the message. We've been dealing with a few unhappy folks who like to attack stepparents, and reporting it to the admins is the only way to make it stop.

What are the general moderator guidelines?

• Users are expected to know the rules before posting. If you are warned or banned for violating the rules, ignorance is not an excuse.
• Moderators will remove posts and comments and/or lock threads in accordance with the rules above. Typically this happens when threads have gone off-topic in a way that is not productive for the OP, or comments overall have become contentious or disrespectful.
• If a poster continues to argue or to willfully violate these rules, temporary and permanent ban procedures will be followed. Any attempts to avoid or bypass temporary bans will result in a permanent ban. User bans will not be discussed in the sub. Questions posted about user bans are subject to removal and the poster subject to warning/ban procedures. The mod team will not discuss a specific user ban with anyone other than the user involved.
• New accounts are subject to manual approval until they are no longer deemed "new" by the mod team. This helps to weed out trolls and ban evaders.
• We rely on Automoderator to scan for specific words and phrases that are not welcome here and notify the mod team to review the comment or post. This includes slurs of any type and platitudes such as "Love them as your own!"
• The mod team uses a combination of blacklisting and banning when dealing with trolls.
• We employ the use of a bot that automatically bans anyone who comments in subs that have historically harassed our users. If you are picked up by the bot for telling trolls to get fucked, reach out via mod mail and we'll get you sorted out.
• The rules above as well as ban procedures are considered guidelines only; some deviation may be necessary on a case by case basis and/or at the mod team's discretion.

I've been wrongly banned/Why can't I comment here?

• Due to an influx of harassment from users with specific user histories, we have employed a user history ban bot as described above. If you think this has affected you and wish to appeal, please message the mods.

Why was I banned without warning?

• There are numerous reasons that the mod team might opt to move perm banning without warning. Message the moderators if you have specific questions.

❗️Don’t be fooled by reviews, they sell you a dream then later down the line take away your access unless you pay more❗️
Bit of a background;
I joined back in January 2022 when it was a one off payment of £3000+ on the basis of life time support with life time access to the Facebook support group.
Renato sold it to me saying they were different to most companies as I wouldn’t be charged monthly costs only the one off fee. I would just need to pay Facebook monthly for my ADs.
I never spoke to Kyle and have not spoken to Renato since February 2022 as I’ve not needed support till now. I tried to access the Facebook support group and saw it said the group has been paused since 8th February 2024. So they have taken away everyone’s access unless we pay $47 a month.
I understand businesses change so any new people would be under the new pricing / structure as they would be told this when deciding to go ahead, but everyone who paid just the one off fee should still have access.
As they have breached the contract I will doing a Section 75 with my credit card company. It's part of the Consumer Credit Act 1974 that means your credit card provider is jointly and severally responsible for any breach of contract.

Hello Evertonians! I am an FC Barcelona fan, based in Los Angeles, who works in Sports Finance. My neighbor and his wife, who are Evertonians, came over to chat and understand what’s up with the club. It's Saturday night here, and I didn't have anything better to do, so I dug into things.
I will try to simplify things from what I read and the conversations I have heard. I am not involved with the buyout but know folks who are. It's a much smaller industry where everyone knows everyone.
Here we go.
The Debt

• £159 million – MSP Sports Capital
• £225 million – Rights and Media Funding
• £4-5 million – Metro Bank
• £190 million – 777 Partners (Inherited by A Cap)
• £450 million – Moshiri Shareholder Loans

MSP Sports Capital has two distinct security arrangements:

• Assets of Everton Stadium Development Company Limited. This means that in default, MSP can acquire the new stadium to recover their loan. Slightly complicated to explain, but Andy Bell, George Downing, and Moshiri through Blue Sky Capital are also funders of this project.
• Alternatively, MSP has an option to acquire 50 per cent plus one share of Everton’s issued share capital, which would give MSP majority control over Everton Football Club.

Rights and Media Funding is a five-year rolling credit facility. Think of this as something similar to a credit card. Here is where you get conflicting information. A significant discrepancy in reporting, which in my opinion can be a dealbreaker. A few outlets report this loan is secured by future payments from transfers/media, etc. I likely believe it is secured against Everton’s bank accounts, fixed charges over Everton’s property portfolio (near Goodison Park), and a floating charge over all other unencumbered assets. (Shoutout to The Esk, he is an absolute gem). This RMF debt accrues a 10.25% interest.
These are the loans that Everton will have to pay regardless as they are secured well.
Loans to 777 Partners (Inherited by A Cap) are likely junior to these two loans. In any bankruptcy event, MSP and RMF get paid first before 777 Partners and Moshiri. However, A Cap says their loan is secured and they are senior creditors of the club, which would put them at the same level as MSP and RMF.
The Timing
Something that came up in the chatter was the timing of this takeover. It is interesting as Everton is due to receive prize money payments from the league which are stood at £133 million. This is the money the club receives from the overall competition commercial pool, which is distributed to all the teams, based on a few things, for example, their position in the league table at the end of the season.
Folks involved in financing other clubs have said this payment likely hits before 30th June. There is another payment due in August/September which is the first tranche of payments from the league. (Unsure on this one, but this is what I heard, payment flows vary a lot).
Despite the timing, the payments would go only so far in helping the club and were likely factored in during takeover talks. My bet is the takeover is likely to complete before 30th June, or at least a structure is agreed upon. 30th June is the deadline used for accessing Premier League Profit & Sustainability Rules (PSR) compliance.
If deals can be done before that “deadline”, they fall within transfers for the 2023/24 season and are included in the club’s financial accounts for last season, rather than moving into the new campaign. If the plan of the new owners is to recapitalize the team, pay down some debt, and sell players to avoid another PSR violation penalty, my bet is the deal gets done before June 30th.
The Sale
The Buyers As of today, June 8 11:00 pm PDT, here are the potential suitors:

• Andy Bell, George Downing, backed by BDT & MSD Partners (More on this later)
• A consortium led by MSP Sports Capital
• Vatche Manoukian and Investors from Gulf and USA
• John Textor, founder of Eagle Football, owns 45% of Crystal Palace
• Dan Friedkin, Owner of AS Roma

Hear rumblings of another group, but almost everyone is looking to finance the takeover using debt along with equity. Many suitors will be willing to provide debt-based financing for the purchase, hence allegiances are bound to change.
The Possibilities
Here are the things that can happen. I am simplifying this to the bare minimums. The actual deals are complicated af and take months to put up and months to complete.
Possibility I: New Owner comes in, pays all debt, and recapitalizes the team
Highly unlikely. The Premier League is a lucrative league for almost every single private equity investor. It’s the league that is expected to continue to grow and firms take less downside risk when buying a team versus a team in a league like Serie A.
However, this would cost any new owner over £1 billion. My bet it costs somewhere around £1.3 billion. Deals of this size happen, but Everton is in a unique position and negotiating from a position of weakness. In my opinion, only someone in the Middle East or a single buyer would be able to pull this through. No one in private equity would commit to this, as they are all answerable to their investors.
Simply put, Everton is not worth £1.3 billion.
Possibility II: New Owner comes in and negotiates with creditors
A likely option. In this case, a new owner comes in and negotiates with the creditors to either forego some of this debt or restructure it over an extremely long period of time at low rates. This would make Everton a more lucrative option. However, the club would still owe a lot of money over the long run and will be paying interest on that loan.
This would mean Everton is run like a lean machine for a few years, with fewer resources going towards things like player transfers, etc. It would, however, still be able to stay afloat.
Possibility III: MSP Capital exercise the option to take majority control of Everton
Another likely option. More likely than Possibility II. MSP Capital takes majority control and would, in all honesty, look to buy out Moshiri. They will need a lot of capital, and they are already pulling strings, putting up their stake in FC Augsburg for sale last week. MSP buy out Moshiri, restructure some of the debt, and put up some more capital. They would likely clear the RMF loan first.
The managing partner of MSP Sports Capital, Jeff Moorad, was a professor of mine in a class I took at UCLA. He is an absolute beast, and an amazing dude to hang with. Unbiased view, MSP is actually highly respected in the industry, and widely regarded as having a razor sharp approach to finance.
They are known to take long positions, but I think Everton would likely be a position they hold for the short term, IF they go alone on this deal. (This is my take, not Professor Moorad). It would be akin to what Elliott Investment Management did with AC Milan when their Chinese owners backed out. They would step in, stabilize the ship, hope the new stadium attracts enough new commercial and matchday revenue, and sell the team to another buyer recovering some of their investment. What Elliott did with AC Milan was absolutely legendary, and in no world would Gerry Cardinale and RedBird have bought AC Milan had Elliott not done its job.
INSIDE INFO HERE: I cannot reveal others in the MSP Sports Capital consortium. Texted a former colleague who is at the firm that are bidders with MSP. If the consortium is agreed upon, MSP comes in with others, who are capable of buying majority control, and running Everton over the long term. MSP in this case would still retain a minority stake. The new stadium holds the key to this deal.
Possibility IV: Everton goes into administration
Cannot rate this option or its likelihood. Let me walk you through this. Administration is a major taboo in the football world, but something extremely common in finance. It is a way for a firm to basically restructure its debt and get back to good health. It does not mean the club ceases to exist.
The preferred way that things are done is through a method called ‘company voluntary arrangement’ (CVA). In a CVA, a deal is put forth, which creditors vote on, usually giving them less money than they are owed, with voting power decided based on seniority. In this case, MSP and RMF would get more votes in the say versus A-Cap and Moshiri.
CVAs are extremely common in the EFL and other leagues, with advisory firms literally minting millions every year, doing nothing but advising teams here. In the Premier League, only Portsmouth has ever gone into administration. Going into administration would see 9 points being docked at the start of next season for Everton.
The Pros of this approach:

• Everton sheds a ton of debt. This would make it extremely attractive for someone to buy the club.
• The reduced debt will likely be restructured over the long run, hence a free-spending owner coming in can actually devote more money to things like rebuilding the squad, enhancing facilities, hiring more staffers, and growing the club.

The Cons:

• A ton of people likely get fired at Everton, as the club must break even.
• The club cannot spend any more money on signings. They may even sell players.
• Local businesses are affected the most, these are folks who provide things like catering services, produce, florists, etc.
• The Big Kahuna: Going into administration can trigger certain clauses in player contracts that allow them to leave for free. I have seen it happen with teams in the EFL, but the situation remains subjective. Any player with such a clause would need assurances from the new owners before the takeover is complete.

There are some speculations online as this being the preferred way in for new owners. I doubt it, but the threat of administration is enough for even the world’s biggest banks/financiers to come to the negotiating table. Every possible new owner would hold this gun over Moshiri’s head, to get him to agree to a deal, and forgo as much of his loans.
Some Questions I think are FAQs
Is Michael Dell buying Everton?
No, Michael Dell is not buying Everton. Michael Dell’s family office is DFO Management, which was formerly known as MSD Capital. MSD Capital was Michael Dell’s family office, meaning it exclusively invested his money. However, in 2009, MSD Capital opened up to outside investors and became an investment firm of its own. In 2023, MSD merged with BDT to create BDT+MSD, the firm that is backing the Bell and Downing bid.
They do still invest some of Dell’s money, and Dell may be their biggest investor, but as far as I know, BDT is huge itself, managing some of the capital from the Walton Family (Walmart), the Pritzkers, and the Mars Family. BDT’s founder, Byron Trott, is worth about $3.2 billion alone. Trott is considered a legend at Goldman, where he helped Buffett structure his investment in Goldman Sachs during the financial crisis of 2008. One of my ex-bosses worked at Goldman during this period under Trott’s team and considers him a legend, even saying he single-handedly saved Goldman Sachs by convincing Buffett to invest and structuring some wild deals.
One thing I know for sure is BDT+MSD would likely pursue a debt-based financing structure. They are not built to go heavy into equity-based financing for sports teams. BDT+MSD have already done a bunch of debt-based deals; Everton won’t be different. In the scenario where Bell and Downing succeed in taking over, Everton would likely owe a lot of money to BDT+MSD.
Would Bell and Downing with BDT+MSD make sense?
My take here is no. Running a football club is no joke. Even though Bell and Downing being Evertonians makes it ideal, I am not entirely convinced of their ability to run a team. Everton would still be severely constrained financially, as they would owe money to BDT+MSD, and Bell and Downing wouldn’t be able to pump a lot of cash into the business from their end.
There is nothing that guarantees Everton will not see the same scenario as it does now, three years after Bell and Downing take over. Private equity folks make sense, as they come in knowing they may know other clubs but don’t know much about Everton. They will, by default, bring on Evertonians on the board, and will have much more incentive to run it over the long term, as the only way they see a return is through actually growing the club economically, which only means a better Everton on and off the pitch.
Are BDT+MSD backing only Bell and Downing?
No, BDT+MSD are free to back anyone in the contention. They are committing to debt-based financing, so as long as the buyer is credible enough, they should have no problem going ahead. Considering they are backing Bell and Downing, I would be surprised if others in the race did not get better financing terms.
As I said, allegiances in debt-based financing are fluid. The hard truth here is BDT+MSD would likely be calling up other potential buyers who bid to see if BDT+MSD can provide financing for their deal. Debt-based financing for a Premier League club is pretty much a dream scenario for any firm, as the underlying asset securing the loan is more stable than in other deals.
Simply put, BDT+MSD are not competing with other potential buyers; they are competing with firms like JP Morgan, Sixth Street, Ares, Arctos, etc., who may want to front one of the buyers.
What’s up with A-Capital?
I do not know. Conflicting things online. I doubt A-Capital will get to invest anything more in Everton, through debt or through equity. I also read that their financial position is under question as the rating they rely on no longer reflects their financial standing. However, I still do not know what there position is.
Who do I want to see win the bid?
Biased towards MSP Sports Partners because of Jeff Moorad. If they pull the consortium through, and the other investors take over the majority club, all I can say is Everton would be lucky. That being said, there are plenty of other people willing to buy Everton with MSP. As of now, the one most likely, along with MSP, would be a dream scenario.
Also, it wont take time for someone entirely new to emerge as a suitor. That is how consortium works. People are surprised, but its literally like texting friends to pitch in and creating a group chat. Things happen over Telegram/Whatsapp/Signal. My boss had once raised $xxx million for a deal texting the LP in the deal. The conversation went along these lines.
Prospectus sent over Mail + WhatsApp
My Boss : What do you think?
LP : $xxx m 👍
LP : Jeff also $xx m and Jake $xx m 🤝🤝
I can bet there are plenty of group chats of potential consortiums that may enter bidding. Everton FC is low-key a bargain, the debt will eventually get restructured. There are plenty of more messy restructurings that have happened in Finance before. Creditors eventually cave, but its a dogfight.
Enough written. Feel free to drop any Qs you may have, I will answer them to the best of my ability and knowledge of Everton’s finances. Massive shout to The Esk. The guy seems incredibly passionate about Everton.
I really hope you guys pull through, I know you will.

Hello,
I was trying to find my transaction ID then I noticed that I can't find email from noreply@mojang.com. I found this website: https://help.minecraft.net/hc/en-us/articles/360029977371-What-is-a-Transaction-ID-#h\_01H44FNFEQR8DF9QVVKD4XKQ8H which suggested to, quate: "If you lost your Braintree transaction ID, we can attempt to verify the purchase if you provide us with the cardholder name, date of purchase...". The problem is - who are we, how should I initially get, of all thing, my Braintree transaction id, and how should I give them my card information. There are no live support, no othe blogs about this, only this one paragrath
Looking foward for your suggestions

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I have a pretty crazy and super frustrating situation. There's another person who shares my exact full name, birthday, birth year , and even mother's name. Here are the details:

• Both born on the same day and year in Texas, 200 miles apart.
• Different social security numbers and driver's license numbers.

These are some (not all) of the problems I’ve been having:

1. Insurance Nightmare: Every time I apply for insurance, my name gets mixed up with his. He has a middle name (I don't), but our records still get confused. He has two accidents on his record, so I get sky-high insurance quotes even though my record is clean. I know this because when I asked the insurance is why my quote so so high they tell me it is because I had to at fault accidents. One agent was nice enough to refer me to get my Lexis Nexis record, which leads me through issue number two.
   
2. LexisNexis Mess: I got my records from LexisNexis so that I could see what the insurance companies were seeing in regards to my accidents, and they’ve mixed his file with mine. When I say that I mean that they literally sent me a document with his Social Security number all his addresses, all his family’s addresses and a lot more mixed in with a file with all my addresses, my families addresses and my Social Security number as well. Despite disputing this, they insisted the records are accurate, even though the accidents are linked to his driver's license number, not mine. I’ve disputed this twice now with LexisNexis, and both times they have denied my dispute I’m extremely lost
   
3. DPS Issues: Almost didn’t get my driver's license because of this mix-up there were some sort of issue that he had, and they had to call in the head of the DPS to verify my social because of the issue
   
4. Healthcare Confusion: We use the same hospital system and big pharmacy brand, causing mix-ups in medical records and billing.
   
5. College Application Problems: When I applied for colleges, I got his denial letters… one college gave me access to his account instead of mine, which literally gave me access to his Social Security number… I reported this colleges admitted the mistake but never followed up after promising investigations.
   

This has been going on for years, and it's driving me crazy. I've been overpaying for insurance and dealing with all sorts of unnecessary stress.
Questions:

• How can I legally separate my identity from this guy?
• What steps can I take with the DMV and healthcare providers to avoid these mix-ups?
• How can I correct misinformation affecting my credit and insurance records?
• What can I do about LexisNexis refusing to correct my records?
• Should I get a lawyer if so what kind of lawyer should I get? (Open to recommendations as well)

Also feel free to comment or ask any questions I’m really lost with this situation.
TL;DR: I have the same name, birthday, and mother's name as another person born 200 miles away from eachother. Our records are constantly mixed up, causing major issues with the DMV, healthcare, insurance (sky-high quotes due to his accidents), and college applications. LexisNexis refuses to correct the mix-up despite clear evidence. Need legal advice and recommendations

Hello, this is more or less a follow-up to my last post from February: https://www.reddit.com/PcBuildHelp/comments/1arbtux/pc_hasnt_been_working_since_october_2023/
Essentially, what happened in the past few months was a lot of back and forth between me and the Support of NVIDIA and ASUS.
Talking to NVIDIA, they provided a "hotfix" driver which I was supposed to try, but that didn't work, so basically they said there's nothing they can do, and it's not a problem on their side.
After that, I decided to contact ASUS, since my RTX 3060 still has warranty. Long story short: I sent my GPU to them 2 times, and they weren't able to replicate the issue and just sent me my card back.
I'm completely out of ideas. When using an old GTX 1050 I have lying around, the PC works completely fine, no issues with the card or the drivers.
Does anybody have an idea of what I can do?