hello po! i’ve been trying to apply for VA jobs for about 3 weeks now and i haven’t had much luck. i was having such a hard time with finding companies or job listings that are willing to hire applicants with no prior experience as a VA or anything related to customer service.
any tips on how applicants like myself without any work experience, to land a WFH job? (e.g. resume, cover letter, interviews, etc.)

Would be keen to look into Li Lu's holdings, and thesis.

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Hi All, What all documents needs to be uploaded as am travelling to UK for tourism purpose. There is no confirmed list of document anywhere. What I am considering is: Payslips 6 months ITR 3 years Aadhaar Pan Passport Cover letter Bank statements 6 months
Anything else, please let me know.

Getting rid of some stuff. Prefer to meet at Project N1 or Tac City
Photos
G&G SRS:
160mI m PDI 6.01 inner barrel Maxx hop up with flat nub, Maxx Nozzle, Maxx Cylinder, Maxx Piston head, SHS Piston, Maple leaf 70deg, G&G 25k motor 13:1 SSG, Retro Gearbox, Speed Trigger, Licensed Noveski 7in rail, BCM hand stop, Licensed Inforce light with lens protector, Red Dot with Riser mount with lens protector, Retro selector switch, Retro magazine release, Stubby stock, EMG tri-tip comp, Gate Titan controller
*missing forward assist piece, bolt release piece AND charging handle.
Chronos at 345 FPS on .20, used only .30g strictly indoor. Has seen many competitions and performs well as an anchor. Super lightweight and short.
WE G17:
6.01 Nine Ball inner barrel, Maple Leaf bucking, Maple Leaf Hop Up with I key, Guarder inner barrel stabilizer, WE 1911 piston head, True Remedyz quarter pounder trigger spring, True Remedyz hammer roller, True Remedyz titanium frame pins, True Remedyz titanium hop up screws, Dynamic Precision barrel cover, Angel Works magazine release, SAI backplate, 2x magazines with SAI baseplates
Chronos at 340 FPS on .20, only used indoors

*knock knock*
you open the door
you see a small frog boy wearing a suit and holding a small cute briefcase
his briefcase opens up by accident and all of his belongings scatter to the ground next to your feet
most of them were paper and some sort of documents, and some of them had almost like kid's drawings on them
you notice some of the fallen items looked and smelled a lot like chicken tendies
unknown frog boy gathers quickly his fallen belongings and put's them back neatly in his briefcase
he then proceeds by trying to cover his fart with a fake cough
he clears his throat "ahem", looks at you and says:
"hello simadam. Let me introduce myself. I am a forum to forum meme salesman and I would like to know... Do you like butts?"
instead of calling the cops, you nod intensively because of course you do like butts, who doesn't?
young meme salesman's eyes light up and he goes:
"Well I got some great news to you!!! I've created something you would like!"
he starts hopping around with joy
"I created a token for butt lovers, butt enthusiasts, meme coin collectors and investors. I call it THE BUTT TOKEN"
he digs deep into his pocket and hands you a coin that has a picture of a very nice butt in it
he tips his hat, winks at you and turns around
he then waddles away, totally forgetting his briefcase
Butt Token is a token that can bring a smile to people's face*. Visit https://butt-token.com and get yourself your own Butt Token. Butt Token is a meme coin that works in both BNB and Solana blockain. Presale was succesful and now Butt Token is available on Pancakeswap!
*smile not guaranteed

We'd both been in loveless, unhappy marriages which were on the verge of finishing.. she left her husband late last year. We'd met through a mutual interest via social media as we both ride motorcycles.
We just clicked on a ridiculous amount of levels and it felt like I'd found a home in her... I've had attachment issues and been a closed book all my life due mainly to being abandoned at birth but she was able to pull down every single one of my walls/defences and let me see the real me. My wife of 30 years couldn't do that.
Over 10 months, we'd become so close it was like we'd always been together. She has a few issues with OCD and needing to know everything but it never bothered me. She was perfect. She'd suggested early on that we shared our location via google maps... I had no issue with that as I did that with my kids for peace of mind once they started driving cars.
The problems started when she met a 'friend' who's house she visited... first time until after midnight... another guy who she was a little secretive about, in her words so I wouldn't get 'triggered ' and asked if I was ok with her going offline from time to time... again to avoid triggering me.
She spent 5 of the next 7 days visiting him. I brought it up that is was a relationship if you do that with a stranger. She denied it but said she'd back it off. He told her he had feelings for her but she said she didn't feel that way.
Ok, we continued and with a lot of pressure from her, I ended my marriage as we were planning a house, New job etc etc. On my last visit (interstate so I had to fly) she was so happy, kissing, hugging "let me know when you've landed" When I landed, she was offline again and wouldn't pick up. When she finally did an hour later, I checked her location and she was driving away from the other guys house.
I had my suspicions but a close mutual friend told me yesterday that she’d been screwing this guy from day one and had gone straight from dropping me off at the airport to his bed.
She was sleeping with him while still pushing me to end my marriage!
I'm beyond devastated. She messaged me that we should finish this here and now. She won't talk about it as it triggers her anxiety too much.
I've essentially been blanked with no reason. I could let it go and block her but I know she's done some deceitful things to her ex and her family.
I'm thinking of writing them each a letter warning them of what she has planned as it will effect them financially. I was uncomfortable with her plans in the first place.
I want to send all 4 of them letters on the same day, wait until I hear that they have them and block her and move on. There's a benefactor who she's been dishonest with to screw her ex husband over financially.
It won't hurt anyone but her reputation with her family who think she's an angel who can do no wrong... she's manipulating them for monetary gain.

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Selling Your Business: Numbers and Benchmarks by Revenue Stage

The previous newsletter provided a roadmap for selling your business at different revenue points. Now, let's delve deeper with specific numbers and industry benchmarks to illustrate the process:
Pre-Revenue:

• Valuation: At this stage, valuation is primarily based on future potential. Investors might consider the size of the addressable market, the strength of your intellectual property, and the experience of your team. Seed funding rounds for promising startups typically value companies in the $1 million to $5 million range.

Early Revenue (Less than $1 million annual revenue):

• Valuation: Here, valuation starts reflecting initial traction. A company with $500,000 in annual revenue, 50% year-over-year growth, and a low CAC to CLTV ratio might be valued at 3-5 times its annual revenue, translating to a range of $1.5 million to $2.5 million.
• Selling Your Business: Attracting investors who believe in your future potential is key. Here's who you might encounter:
  • Individual Investors: These are individuals with funds to invest, often seeking high-growth opportunities. They might find your business through online platforms like https://flippa.com/ or https://empireflippers.com/. Listing fees typically range from $10-$49 depending on the platform and asset value, with success fees charged upon a sale (often around 10% for smaller businesses).
  • Angel Investors: Wealthy individuals who invest in early-stage ventures with high growth potential. You can find them through angel investor networks or pitch competitions.

Established Revenue ($1 million to $10 million annual revenue):

• Valuation: Profitability becomes a key factor. A business with $5 million in annual revenue, 30% profit margin, and a diversified customer base could be valued at 5-7 times its EBITDA (earnings before interest, tax, depreciation, and amortization). Depending on the industry, this could translate to a valuation of $15 million to $35 million. (Industry Benchmarks: Technology companies often command higher EBITDA multiples, reaching 10 or above, while traditional brick-and-mortar businesses might fall in the 4-6 range.)
• Selling Your Business: Reaching a wider pool of buyers is crucial. Here are some common exit strategies and the types of buyers you might encounter:
  • Business Broker Services: Experienced business brokers connect you with a variety of buyers, including:
    • Strategic Buyers: Existing companies in your industry seeking to expand their market share or acquire your specific technology or customer base.
    • Financial Buyers: Private equity firms or investment banks looking to invest in your business for a high return on investment (ROI). They typically focus on established businesses with a strong track record of profitability.
  • Merger and Acquisition (M&A) Firms: For larger companies, M&A firms specialize in connecting businesses with:
    • Strategic Acquirers: Similar to those targeted by business brokers, but typically larger and more established companies.
  • Investment Banks: For high-value acquisitions, investment banks can bring in:
    • Financial Buyers: These can be private equity firms, hedge funds, or even high-net-worth individuals seeking to acquire a well-performing business for a return on investment.

Remember: These are just a few examples, and the best buyers and exit strategies will depend on your specific business and industry.
Additional Tips:

• Prepare a detailed offering memorandum. This document outlines your business's financials, growth potential, and competitive landscape to attract potential buyers.
• Market your business proactively. Attend industry events, connect with potential buyers online, and leverage your network to generate interest in your company.
• Be patient and persistent. Selling a business takes time and effort. Don't get discouraged if the process doesn't happen overnight.

By understanding the benchmarks, buyer types, and exit strategies for each revenue stage, you can approach the sale of your business with a well-informed strategy, maximizing your return and achieving a successful exit.
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Mhariri is a Kenyan blog website, content rating, and forum social network.
Registered members at mhariri forum can submit topics, questions and answers in Swahili language, the answer, topic or question with the most upvotes, likes or comments stand a chance to win $150, the second wins $7 and the third wins $ 3 at the end of every month.
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I had just gotten out of hospital from a brain haemhorrage back in 2022 only one day after moving out of an old flat and into a new one.
A bit of background- I (27f) was moved into a flat of 6 in the student accommodation I was staying in at the time, 5 guys and me, it started off well but I suddenly started developing dermititis all over my body and I couldn't work out what the allergen was. I caught one of my flatmates using my cleaning equipment when I had asked all 5 of them to not touch my stuff because I get dermititis and have health issues (apparently they thought I was lying and must have Munchauses).
I went to management to ask to be moved to a different flat but they dismissed my concerns by implying I was being dramatic when my skin was covered in hives from my collar bone all the way down to my feet. From just above my knee down to my feet it was purple because it was doubly infected too. This created a tense atmosphere in the flat.
Eventually, I was able to move out of the flat by swapping with another student who was a friend of one of my flatmates. Only a day after the move I suffered a brain haemhorrage due to the stress that had piled up on me. Only a few days after I got out of hospital one of the guys "Liam" came to visit. Before he left he asked for a FWB relationship with me and I rejected. He left and I thought that was the end of it.
After a couple of weeks this letter was delivered to me. At first I thought it was from my narc mother (she's a whole different story) but my aunt pointed out there was no stamp on the envelope so it was hand delivered. As soon as that was pointed out I immediately realized it was from "Liam" because of the handwriting. My friend took me to the security guard who said he was "very concerned by the wording of this letter". He took it to management who again played it down and implied I was being dramatic.
I finally moved out of that place and to a whole different area (not the one in the letter that "Liam" thinks moved to) but the university is on high alert in case he shows up.

It was summer. He needed money to pay for school next year. He decided to get a job. He needed to apply to different places. He first made a resume. He then made a cover letter. He walked around his neighborhood.

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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.

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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.
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I have this book available immediately in original publisher pdf form for $7.
https://drive.google.com/file/d/1Fe2bqjFtlcNIyeHOVgawwVeZtYzJbZ5e/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.

This is a job based in the UK if that helps. So I had enclosed a CV and Cover letter on a single document on word. When I double checked on word for the last time before exporting as a PDF it looked fine, but as I saved it as a PDF it decided to mess up the formatting and now the CV went over into the next page with a line. How much is that gonna set me back?
Is it worth resubmitting the application via email?