Gmac lienholder address auto loans

Will additional car payments reduce cost of borrowing?

2024.05.16 18:08 Ravana97 Will additional car payments reduce cost of borrowing?

I had 2 auto loans, a car and a motorcycle, and recently received a significant pay bump. I paid off my bike in full less than a year from the time of financing but the car has about 36,000 remaining on it. I don't have the funds to pay it outright but want to make extra payments.
If I send an extra biweekly payment to the loan account, does that go straight to the principal? And if so, does that reduce my cost of borrowing over the life of the loan, or is that locked in at the time of financing? Thanks for your help!
submitted by Ravana97 to PersonalFinanceCanada [link] [comments]


2024.05.16 18:03 Neawx Getting added to my father's mortgage.

Some quick background, my mother passed around five years ago. I was the only one who had intention's of living in the family home, and given that, my grandmother had her and my mother's name on the deed replaced with my own. My father, though not intending to stay there due to the memories wrapped up in it, retained his name on the deed and the mortgage. I'm currently paying him half the mortgage payment monthly. He did eventually move back in, and we currently have the the two floors of the house split of duplex style. We remodeled the downstairs to include everything he needed without having to see his old family space.
Present day, I need some way to acquire money for some home repairs and improvements. I've been debating a Home Improvement loan vs. a HELOC, and it seems for the latter I would need to see about getting myself added to the mortgage if I wanted to manage it without my father's constant input. I'm wondering if getting added is possible without renegotiating the terms of the mortgage? We've only got some odd $25,000 left on it, and wouldn't want to mess up our payment or interest rate if it can be avoided.
Barring that, what would be my next best bet? There are a lot of needed repairs around my house that needed to be addressed ideally in the next year or two, and I would really like to get the ball rolling now.
submitted by Neawx to Mortgages [link] [comments]


2024.05.16 18:00 seedpod02 Windows11 on new laptop - inordinate time setting it up

Tweaking things like the cursor, themes, keyboard, mouse, desktop is taking and INORDINATE amount of time. A main problem is the Windows11 menus don't make sense Or they just don't match those given in online advice. Or, if you change settings the old settings come back at you even if you reboot. Another main problem is those giving advice just don't read the question. Another thing. people asking the same question don't explain their problem properly - like they'll ask how to change mouse cursor instead of text cursor. Or they'll ask about mouse cursor speed instead of keyboard repeat delay. etc. Or, desktop icons keep moving around seeming
Any suggestions as to best apps or website to address this?
Here are just some example tweaks bedeviled by the above: Text cursor width, desktop rearranging, getting rid of themes, the layout of file explorer boxes, stopping W11 opening new windows as a tab in an already open box, stopping W11 applying a changed folder size to all folders now present and future, making folder lists compact view, making dropdown menus open in full instead of being truncated with a "more" option, changing system dialogue font size, reducing the keyboard input repeat delay, stopping the mouse doubleclick reverting to "on" after turning it off, getting to the menu for changing the mouse pointer size, getting to the mouse hover select menu, getting the mouse to hover on a window's top edge, changing the scroll delay settings, setting the default download folder, stopping pdfs from auto downloading, having to dive into regedit for what should be clearly simple menu options, and so many more sheez!!
Thing is, these issues arise as and when, which means that I've been having to stop work on the new laptop as and when one of the settings emerges as annoying or dysfunctional, and head off into the blue of W11 crappy menus or online advice which just misses the beat.
Isnt there some way around this?
submitted by seedpod02 to WindowsHelp [link] [comments]


2024.05.16 17:39 Easy-Machine-6335 A Comprehensive Guide to Buying Property in Dubai's Secondary Market (Resale)

Buying property in Dubai's secondary market can be a rewarding investment, but it requires careful planning and understanding of the local real estate laws and market conditions. This guide provides a step-by-step approach for both international buyers and residents, outlining the necessary requirements, procedures, and tips for a successful transaction.
1. Requirements and Alternatives for International Buyers Requirements: - Eligibility: International buyers can purchase property in designated freehold areas. - Documentation: Passport copies, entry visa, and proof of address in the home country. - Emirates ID: Not mandatory for non-residents but can simplify the process.
Alternatives Without a Bank Account: - Local Payment Solutions: Use reputed real-estate agencies who provide the manager's cheque on your behalf on agreed terms and services (an agreement is signed between both the parties to secure their interests)
2. Requirements for Residents Cash Buyers: - Proof of Funds: Bank statements or financial certificates (Not required in case of transactions below 10 Million AED). - Identification: Emirates ID and passport copy.
Mortgage Buyers: - Pre-Approval: From a local bank, indicating the loan amount. - Income Proof: Salary certificates and bank statements. - Credit History: Evaluation by the bank. - Down Payment: Typically 25-30% of the property value should be paid by the buyer himself including the other costs such as 4% DLD (Dubai land department) registration fee & 2% Agency fee.
** 3. Deciding on Cash or Mortgage** Factors to Consider: - Cash in Hand: If you have enough liquidity, cash purchases avoid interest payments and simplify the process. - Pre-Approval: Mortgage buyers should secure pre-approval to understand their budget limits. - Market Conditions: Interest rates and property price trends can influence the decision. - Investment Goals: Long-term vs. short-term investment strategies.
4. Hiring a Specialized Agent Finding the Right Agent: - Experience: Look for agents with a track record in the desired community. - Credentials: Ensure the agent is RERA certified (Real Estate Regulatory Authority). - Referrals and Reviews: Check online reviews and get recommendations.
Agent’s Role and Responsibilities: - Market Analysis: Provide insights into market trends and property values. - Property Search: Identify properties that match your criteria. - Viewings: Arrange and accompany you to property viewings. - Legalities: Assist with legal paperwork and ensure compliance with Dubai Land Department (DLD) regulations. - Negotiations: Negotiate on your behalf to get the best price.
5. Forms Utilized at Different Stages - Form A: Agency agreement between seller and agent. - Form B: Agency agreement between buyer and agent. - Form F (Contract F): Sales contract between buyer and seller, outlining the terms and conditions of the sale (also referred to as MOU). - Form I: Agreement between mortgage broker and buyer (if applicable).
6. Presenting an Offer and Negotiations - Initial Offer: Your agent presents your offer to the seller. - Negotiations: Counteroffers may follow until a mutual agreement is reached. - Acceptance: Both parties sign the Memorandum of Understanding (MoU), also known as Form F.
7. Signing of Form F Contents of Form F: - Buyer and Seller Details: Names, contact information, and identification numbers. - Property Details: Address, plot number, and description. - Price and Payment Terms: Agreed price and payment schedule. - Conditions: Any conditions or contingencies (e.g., inspection, financing).
8. Registration and Other Aspects Final Steps: - NOC from Developer: Required for property transfer should be provided by the seller. - Transfer of Ownership: Conducted at the DLD or a registered trustee office. - Title Deed: Issued in the buyer’s name once the transaction is complete. - Utility Connections: Transfer utility services to your name.
Additional Tips: - Due Diligence: Research the developer’s reputation and the property’s history. - Market Comparisons: Compare prices of similar properties to gauge the right price. - Legal Advice: Consider hiring a legal advisor to review contracts and ensure your interests are protected ( not required in most cases as the forms utilised in different stages are a standard format by the DLD which is simplified for the easy understanding of both buyer & seller).
Buying a property in Dubai's secondary market involves several steps, but with the right preparation and professional assistance, it can be a smooth and rewarding process. Whether you’re an international buyer or a resident, understanding the requirements, choosing the right financing option, and working with a specialized agent are key to a successful investment.
(Please advise if any details are missing or incorrect & I will rectify them if they are correct)
submitted by Easy-Machine-6335 to HousingDubai [link] [comments]


2024.05.16 17:18 OftenNew FAB multi product package. Any reviews?

I just saw this offer from FAB, you need to open a bank account with them (current and isave accounts), get a credit card and an auto loan to get 7.5k cashback, and transfer your salary there.
I was any ways considering an auto loan, so while looking around I found that offer. Is it too good to be true (as in any hidden charges)? Also, how’s FAB as a bank (compared to other UAE banks)? I’ve been with ENBD for 3 years and I’m happy with it (just thought maybe their auto loan rates might not be the best in Dubai).
submitted by OftenNew to dubai [link] [comments]


2024.05.16 17:10 yarik2020 Viteye White Paper

viteye: A Technological Vanguard in Melanoma Detection
Executive Summary
Viteye emerges as a software solution, meticulously designed to revolutionize the early detection and diagnosis of melanoma through the integration of cutting-edge artificial intelligence (AI) and machine learning technologies. This white paper delves into the escalating challenge of melanoma detection, presents the innovative approach adopted by Viteye, highlights its distinctive features, and explores its transformative potential in the healthcare landscape.
Learn more by visiting our website.
Join our Beta now!
Introduction
The global incidence of melanoma, a highly malignant form of skin cancer, is on an upward trajectory, presenting a formidable challenge to healthcare systems worldwide. Early detection is paramount for effective treatment and improved patient outcomes, yet remains a complex problem due to the limitations of current diagnostic methods. Viteye stands at the forefront of addressing this challenge, offering a sophisticated AI-driven platform that enhances the accuracy of melanoma detection and facilitates timely intervention.
The Growing Challenge of Melanoma Detection
Melanoma is distinguished by its aggressive nature and propensity for late diagnosis, often resulting in high mortality rates. The traditional diagnostic arsenal, including visual examination and mnemonic devices like the ABCDE rule, falls short in identifying early-stage melanomas with sufficient accuracy. Moreover, the clinical presentation of early melanoma can be ambiguous, complicating the diagnostic process and underscoring the need for more advanced solutions.
viteye: A Technological Solution
At the heart of viteye is a state-of-the-art machine learning model, trained on a comprehensive dataset of clinically verified cases, enabling it to accurately diagnose melanoma by analyzing images of suspicious pigmented lesions. This approach not only surpasses the limitations of traditional diagnostics but also significantly reduces the risk of both underdiagnosis and overdiagnosis.
Key Features:
Scientific Foundation and Development
Viteye's development was driven by the urgent need to address the increasing global incidence of melanoma and the limitations of primary care specialists in making accurate diagnoses. The project's inception was rooted in a comprehensive understanding of melanoma's clinical challenges, as outlined by leading oncology research. The software's machine learning model was developed through rigorous training on a gold-standard dataset, ensuring its ability to deliver highly accurate diagnostic predictions.
Training and Testing
The neural network at the core of viteye underwent extensive training and testing, utilizing a dataset of 6,144 clinical cases. This process involved several stages, including the selection of the optimal neural network type, architecture, and the evaluation of the model's effectiveness. The training aimed to maximize the model's diagnostic accuracy while minimizing errors, resulting in a system capable of distinguishing melanoma with high sensitivity and specificity. Limitations and Error Mitigation Recognizing the inherent challenges in image classification, viteye incorporates mechanisms to mitigate potential errors, such as those caused by image quality or atypical disease presentations. The system's design accounts for the limitations of visual diagnosis, emphasizing the importance of professional medical evaluation in conjunction with the software's recommendations.
Impact on Healthcare
Viteye has the potential to significantly transform the landscape of melanoma detection, offering a tool that enhances early diagnosis, facilitates access to expert consultation, and ultimately improves patient outcomes. By bridging the gap between advanced technology and clinical practice, viteye stands as a beacon of innovation in the fight against melanoma.
Conclusion
Viteye represents a significant leap forward in the early detection of melanoma, combining advanced machine learning technology with user-centric features to improve diagnostic accuracy and accessibility. As the incidence of melanoma continues to rise, viteye's role in enhancing early detection efforts is invaluable, promising a future where technology and healthcare converge to save lives.
submitted by yarik2020 to viteye [link] [comments]


2024.05.16 17:06 haltingpoint Can we have some sort of FAQ posters are required to read before posting to weed out the "OMG high CPCs!" and "I've spent $300 and no conversions" threads?

Really getting tired of those as someone experienced in the space. This seems to be a large % of the posts in this sub. Rather than simply complain, could we not address these with an FAQ explaining the basics that are effectively "welcome to ads, get used to it" 101 and then auto delete those sorts of posts?
submitted by haltingpoint to PPC [link] [comments]


2024.05.16 17:03 Arcane_Ambivert Need urgent advice and help 🙏

Hi Everyone,
I have no credit cards for now but some personal loans. I am looking for an advice on where I can apply for it at low CIBIL.
My salary currently is 7 LPA and I need approx 1 lakh due to an emergency and to foreclose few loans. I have an EMI due to pay on 18th May of Rs 6778 and I only have Rs 2000 in my account.
My CIBIL is currently really low at 738. I have always made timely payments, got delayed in one EMI of money view cause their auto debit didn't work. Rest my score went down because of multiple enquiries. Please help me, share your advice on how and where I can apply for my credit card? This will really fix my life and I will forever be grateful to you for this 🙏
I can assure you that I only need the money to fix my life. This amount will really help me to be in a peaceful state. I am currently struggling a lot. Please suggest me something that can help me out in this situation.
submitted by Arcane_Ambivert to personalfinanceindia [link] [comments]


2024.05.16 16:36 kibblepigeon Time is ticking away, with only 2 DAYS REMAINING to support the rejection of SR-OCC-2024-001: Have you sent your comment to the SEC yet? If not, check out this BRAND NEW LETTER TEMPLATE 🔥 DEADLINE: Friday 17th May.

Time is ticking away, with only 2 DAYS REMAINING to support the rejection of SR-OCC-2024-001: Have you sent your comment to the SEC yet? If not, check out this BRAND NEW LETTER TEMPLATE 🔥 DEADLINE: Friday 17th May.
https://preview.redd.it/xuvxg4pd6s0d1.png?width=1822&format=png&auto=webp&s=8c936943fefd2d43d40ab4413881116b2ef399ec
What a week it's been, but it's not over yet!
WE STILL HAVE TWO DAYS LEFT UNTIL THE SEC SUBMISSION DEADLINE 🔥
If shifting goal posts, isn't for you - and you fancy holding Wall Street accountable should they be unable to facilitate their Margin requirements, why not consider sending the SEC an email to support their rejection of the SR-OCC-2024-001 rule.
The integrity of our financial markets are at stake here.

Future generations are depending on you. Let's not let them down.

Let's fight for Market Reform.

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To: [rule-comments@sec.gov](mailto:rule-comments@sec.gov)
Subject: Comments on SR-OCC-2024-001 34-100009
Dear Members of the Securities and Exchange Commission,
I am writing to express my concerns regarding Rule SR-OCC-2024-001, which proposes adjustments to margin thresholds, specifically during periods of high volatility.
This proposed adjustment is concerning because it essentially shifts the goalposts when clearing members are unable to meet their financial obligations. The necessity for margin calls in the first place is to prevent clearing members from overextending themselves on their bets, ensuring that they have adequate collateral to cover potential losses.
By adjusting margin thresholds during periods of high volatility, there is a risk that clearing members may not be required to maintain sufficient collateral, increasing the likelihood of default and destabilising the financial system.
This proposed adjustment raises critical questions about the integrity of the options market and the role of the Options Clearing Corporation (OCC) in managing risk.
The basis of this letter is equally to express support and appreciation to the SEC in their rejection of this rule, with supporting encouragement for this decision and future outcome.
With due consideration to the reasons for the rejection as presented:
  • Section 17A(b)(3)(F) of the Exchange Act, which requires, among other things, that the rules of a clearing agency are designed to promote the prompt and accurate clearance and settlement of securities transactions and derivative agreements, contracts, and transactions; and to assure the safeguarding of securities and funds which are in the custody or control of the clearing agency or for which it is responsible; [Refer to 15 U.S.C. 78q-1(b)(3)(F)]
  • Rule 17Ad-22(e)(2) of the Exchange Act, which requires that a covered clearing agency provide for governance arrangements that, among other things, specify clear and direct lines of responsibility; and [Refer to 17 CFR § 240.17Ad-22(e)(2)]
  • Rule 17Ad-22(e)(6) of the Exchange Act, which requires that a covered clearing agency establish, implement, maintain, and enforce written policies and procedures reasonably designed to cover, if the covered clearing agency provides central counterparty services, its credit exposures to its participants by establishing a risk-based margin system that, among other things, (1) considers, and produces margin levels commensurate with, the risks and particular attributes of each relevant product, portfolio, and market, and (2) calculates sufficient margin to cover its potential future exposure to participants in the interval between the last margin collection and the close out of positions following a participant default. [Refer to 17 CFR § 240.17Ad-22(e)(6)]
The OCC, as the central counterparty for options and futures contracts traded on U.S. exchanges, plays a crucial role in ensuring the integrity of the options market. Its primary responsibility is to guarantee the fulfillment of contracts and manage the risk associated with trading these financial instruments.
Margin calls serve a crucial purpose in the financial system by acting as a safeguard against excessive risk-taking. They ensure that clearing members have adequate collateral to cover potential losses, thereby preventing them from overextending themselves on their bets. However, by allowing for adjustments to margin thresholds during periods of high volatility, there is a risk of undermining this fundamental principle.
In the context of financial jargon, this proposal effectively allows clearing members to "kick the can down the road" when it comes to meeting their financial obligations. It's akin to "moving the goalposts" in a high-stakes game, where the rules are changed to accommodate those struggling to keep up.
Imagine a scenario where a hedge fund has taken substantial positions on a volatile stock. As the stock price experiences wild fluctuations, the hedge fund might find itself increasingly unable to meet its margin requirements. Under Rule SR-OCC-2024-001, the margin thresholds could be adjusted, effectively lowering the bar for maintaining adequate collateral. This not only incentivises risky behavior but also exacerbates systemic risk, as it increases the likelihood of default later down the line.
Furthermore, such adjustments lack transparency and introduce an element of arbitrariness into the margin calculation process. Without clear guidelines and objective criteria for determining margin thresholds, there is a risk of favoritism or manipulation, further eroding market integrity.
The use of "idiosyncratic volatility control settings" to adjust these margin thresholds during high volatility introduces a risk because it lacks transparency in the calculation and implementation process. Without clear guidelines on how these settings are determined, there is a potential for arbitrary or ad-hoc adjustments, allowing the Options Clearing Corporation (OCC) to alter the criteria whenever Clearing Members require assistance. This flexibility raises concerns about fairness, as it may create an environment where the rules can be changed based on individual circumstances, potentially favouring certain market participants or introducing an element of unpredictability.
The proposal's supporting evidence, particularly regarding said calculation of margin thresholds, is troublingly redacted. This lack of disclosure undermines the principles of transparency and accountability that are crucial in regulatory frameworks. As stakeholders, we require detailed information on how these adjustments will be made to ensure fair and equitable treatment of all market participants.
This lack of transparency undermines the integrity of financial markets by eroding trust among participants. Financial markets thrive on clear and consistent rules that are applied uniformly to ensure a level playing field. When rules can be adjusted opaquely, it creates uncertainty and diminishes confidence in the regulatory framework. Maintaining trust is essential for the effective functioning of financial markets, and transparency in rule-making and enforcement is a key factor in upholding the integrity of the overall financial system.
Moreover, the proposal grants unchecked authority to the Financial Risk Management (FRM) Officer to make unilateral decisions during periods of high market stress. This authority, while ostensibly intended to protect the interests of the OCC, raises questions about potential conflicts of interest. The FRM Officer is entrusted with safeguarding both the OCC's interests and those of at-risk Clearing Members, creating a potential conflict that needs addressing and changing.
In conclusion, Rule SR-OCC-2024-001 poses a significant threat to the stability and integrity of the financial system. It undermines the fundamental purpose of margin calls and introduces unnecessary risks that could have dire consequences for market participants.
In light of these concerns, I urge the Securities and Exchange Commission to carefully reconsider this proposal and prioritise the protection of investors and the stability of the financial markets by rejecting Proposed Rule SR-OCC-2024-001. Clear guidelines, transparency in calculations, and checks and balances on discretionary authority are essential for maintaining the integrity and stability of the financial markets.
Thank you for your attention to this matter. I trust that the SEC will carefully consider these concerns and take appropriate actions to address the potential risks associated with this rule.
Sincerely,
[APE]
📱 ☎️ Pastebin for mobile users: https://pastebin.com/RGZBBNjG
You can copy and paste the letter here, making it even easier to submit to the SEC via mobile.
https://preview.redd.it/tj0pmvz5cs0d1.png?width=2330&format=png&auto=webp&s=c7d0417f87e11beac4ed67201ff9a77d5fb2036e
Right, in addition to the swiftly composed piece I've just shared, this is with the full caveat that my comment letter pails in comparison to the absolute powerhouse of submission as has been drafted by WhatCanIMakeToday.
You can check it out here:
https://preview.redd.it/4st65buv6s0d1.png?width=1396&format=png&auto=webp&s=61da514112e8310a25dbafa72f94c2b381a52cdf

FULLY DETAILED LETTER TEMPLATE:

Because excellence deserves to be recognised.

Simians Smash SEC Rule Proposal To Reduce Margin Requirements To Prevent A Cascade of Clearing Member Failures! [COMMENT TEMPLATE INCLUDED]

📱 ☎️ Pastebin for mobile users: https://pastebin.com/dpXQ0gim
Go on, go make a difference out there. Submit your comment 💪
https://i.redd.it/f3qbsq0tjs0d1.gif
Seriously, please go give this a read.
This is a very comprehensive and well articulated deep dive into the issues as we have been discussing here, and if you need more assistance to help you shape your comments - this is a great resource to draw from. Please do give it every appreciation it deserves.
Thank you WhatCanIMakeToday 🙏
https://preview.redd.it/91f67n3w6s0d1.png?width=1386&format=png&auto=webp&s=40ff09ca5db7b3fa9ffb17fe120340b03660ca4a
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✅ 📢 🌏 How to Comment:

📱🖥️ ✉️ Email: [rule-comments@sec.gov](mailto:rule-comments@sec.gov)
  • Include the file number: SR-OCC-2024-001 34-100009 - in the subject line of your email to the SEC.
  • This is open to audiences worldwide.
  • Commission's Internet Comment Form: Use the form available at SEC's rule comment page.

🤫 🫣 Valuing Your Privacy

Remember:
Avoid including personal identifiable information in your submissions unless you want it to be made publicly available.
  • The SEC may redact or withhold content that is obscene.

✉️ 🔍 Don't want to use your personal email?

Why not sign up for https://proton.me/mail
From their website:
Proton Mail is an encrypted email service based in Switzerland that protects your privacy and data from trackers and scanners. You can create a free account, switch from any email provider, and enjoy features like password protection, aliases, and scheduling.

🖥️ 💡 Work Smarter, not Harder - with ChatGPT

AI Language Model designed to help you.
https://preview.redd.it/udun9ov9qs0d1.jpg?width=1600&format=pjpg&auto=webp&s=3e6b20cf5b949b3dfdab6694360b5597da4b6472
Consider inputting these writing guides into ChatGPT to help you compose your own comment.
Here's a prompt to help you get started:
Draft a formal letter expressing support for the SEC's decision to reject the OCC's proposed rule change. Emphasise the importance of transparency, risk mitigation, and investor protection in maintaining a fair financial market. Specifically, address concerns about the lack of transparency in the OCC's proposal, potential systemic risks from margin requirement adjustments during market volatility, and the conflict of interest in the FRM Officer's role. Maintain a respectful and professional tone, providing detailed reasons and supporting evidence for your support of the SEC's decision. Use the example letter as a reference for structuring arguments and aligning with the SEC's grounds for disapproval.
Work Smarter, not Harder.
ChatGPT is user friendly, check out what it looks like here: https://chatgpt.com

Please note:
🚨 ChatGPT remains an unreliable source for verified information and facts and will always require people to assess/review and cross-reference the generated responses.
You are the fact checker, not the AI.

https://preview.redd.it/0kaawwfejs0d1.jpg?width=1912&format=pjpg&auto=webp&s=610dbd6d5b2a9c5664c2079a7ab9188496b633cc
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📚👀 Want to learn more about this rule? Check out the following posts:

🔥 SR-OCC-2024-001 EXPLAINER POSTS:🔥
CREDIT: Dismal-Jellyfish.
Options Clearing Corporation is looking to adjust parameters for calculating margin requirements during periods when the products it clears & the markets it serves experience high volatility. OPEN for comment! here.
CREDIT: WhatCanIMakeToday
OCC Proposes Reducing Margin Requirements To Prevent A Cascade of Clearing Member Failures: here.
CREDIT: kibblepigeon
Dismantling Rule SR-OCC-2024-001 - The Exposed Threat of Margin Erosion and Risk Escalation: here.
🔥 FOLLOW UP SEC REJECTION AND TEMPLATE LETTER:🔥
CREDIT: WhatCanIMakeToday
Simians Smash SEC Rule Proposal To Reduce Margin Requirements To Prevent A Cascade of Clearing Member Failures! [COMMENT TEMPLATE INCLUDED]: here.
📚👀 SEC COMMENTS / REJECTION:📚👀
To access the submitted proposals: https://www.sec.gov/files/rules/sro/occ/2024/34-99393.pdf?ref=dismal-jellyfish.com
To access the submitted SEC comments: https://www.sec.gov/comments/sr-occ-2024-001/srocc2024001.htm

📚👀 Want to learn more about how to reject it? Check out the following posts:

  • REGULATORY KILL SHOT 🎯- Part one: here.
  • REGULATORY KILL SHOT 🎯- Part two: here.
These include helpful reading sources, a breakdown of what this rule means the materials needed to help you write your own comment!
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TL;DRs 🚀🦍
  • Wall Street relies on the OCC for options and futures contracts.
  • Options require less upfront capital than buying shares, allowing Wall Street to control larger market positions with less initial investment.
  • Ideal for those who might be low on liquidity
  • Wall Street often leverages these positions using loans from banks, known as margin trading.
  • If a stock’s price moves against the investor's position (like GME skyrocketing), Wall Street's gotta put up more collateral against their option contracts.
  • This is called margin call.
  • Failure to meet margin calls can lead to hedge fund defaults and potentially bankruptcy.
  • Hedge fund defaults can also impact the banks that lent them money, increasing the risk of bank defaults.
  • AKA risking bank default too.
  • If clearing members can't cover losses, the OCC may need to use its funds to fulfill obligations to GME shareholders.
  • OCC don’t want to lose money
  • To prevent losses, the OCC wants to adjust margin thresholds for short sellers, reducing the risk of defaults by hedge funds and banks, and minimising threat to the OCC.
___________🔥___________
If you do anything today, let it be this. Every comment matters.
Don't just be game on for change, be the driving force behind it.
submitted by kibblepigeon to Superstonk [link] [comments]


2024.05.16 16:32 rotorwing66 How to get bond (802.3ad) to work? Help needed.

I tried posing this question in proxmox forum but I have not received any replies so I'm trying my luck here. I'm going to try and explain it better.
I get internet connection on my proxmox management/native vlan, "200" in this case.
but when I try to place one CT/VM on My DMZ network "10" I get no internet connection.
If I put my computer on vlan "10" directly I get internet connection.
I can ping every vlan from my "200" vlan, but cant ping my "200" vlan from my CT on the "10"vlan.
This is my proxmox network config: auto lo iface lo inet loopback
iface eno1 inet manual iface eno2 inet manual iface eno3 inet manual iface eno4 inet manual auto eno49 iface eno49 inet manual auto eno50 iface eno50 inet manual auto bond0 iface bond0 inet manual bond-slaves eno50 eno49 bond-miimon 100 bond-mode 802.3ad bond-xmit-hash-policy layer2+3 auto vmbr0 iface vmbr0 inet manual bridge-ports bond0 bridge-stp off bridge-fd 0 bridge-vlan-aware yes bridge-vids 2-4090 auto vmbr0.200 iface vmbr0.200 inet static address 192.168.200.10/24 gateway 192.168.200.1 #VMproxmox auto vmbr0.10 iface vmbr0.10 inet static address 192.168.10.1/24 #DMZ auto vmbr0.20 iface vmbr0.20 inet static address 192.168.20.1/24 #usr auto vmbr0.30 iface vmbr0.30 inet static address 192.168.30.1/24 #IoT auto vmbr0.40 iface vmbr0.40 inet static address 192.168.40.1/24 #Guest auto vmbr0.99 iface vmbr0.99 inet static address 192.168.99.1/24 #sinkhole auto vmbr0.100 iface vmbr0.100 inet static address 192.168.100.1/24 #IPcams source /etc/network/interfaces.d/* 
this is my container network config:
auto lo iface lo inet loopback auto eth0 iface eth0 inet static address 192.168.10.5/24 gateway 192.168.10.1 
Do you see anyting wrong, that can help me get this fixed? I would really appreciate your help!
submitted by rotorwing66 to Proxmox [link] [comments]


2024.05.16 16:27 MagicThePuff Spell Token Daily - May 16, 2024 (GMT-4) 📖🧙‍♂️🧙🧙‍♀️🔮

Welcome to Spell Token Daily!!!!!! 🔮📖🧙‍♂️🪄💫✨⭐️🌟🌕
(Workaround required for US based IP addresses!! IP/VPN blocking has been activated by the abracadabra team to avoid any SEC backlash!! Forked unblocked links to the abracadabra front end can be found below)
Helpful LINKS and INFORMATION can be found underneath the disclaimer!!! 🐸🦍
Disclaimer:
Consider all information posted here with several liberal heaps of salt, and always cross check any information you may read in this chat with known sources. Any trade information posted in this open chat may be highly misleading, and could be an attempt to manipulate new readers by known "pump and dump (PnD) groups" for their own profit. BEWARE of such practices and exercise utmost caution before acting on any trade tip mentioned here.
Please be careful about what information you share and the actions you take. Do not share the amounts of your portfolios (why not just share percentage?). Do not share your private keys or wallet seed. Use strong, non-SMS 2FA if possible. Beware of scammers and be smart. Do not invest more than you can afford to lose, and do not fall for pyramid schemes, promises of unrealistic returns (get-rich-quick schemes), and other common scams. Credit: CryptoCurrency
—> Always DYOR!! (Do Your Own Research) <—
📖🧙‍♂️🪄💫✨⭐️🌟🌕
Promoted blog post —> https://mirror.xyz/0x5744b051845B62D6f5B6Db095cc428bCbBBAc6F9/rpL2QJ1F6Eb7K2Lt5Yy7fnK-Endz6Jr9-7VlYw6jSO8
🔮
FOR SPELLCASTERS IN VPN/IP BLOCKED TERRITORIES - You can try to use a VPN (may have to change VPN location several times before it finds a working IP. Proton VPN is free OR you can try out a community forked IP!
(Will be updating "https://abracadabramoneyunblocked.on-fleek.app/#/" as updates release to keep the Front End working properly!)
It is possible for anyone to fork the abracadabra UI as well!! For more information on forking a UI —> (https://docs.github.com/en/get-started/quickstart/fork-a-repo)
FOR SPELLCASTERS INTERESTED IN BURNING SPELL TOKEN - Send $SPELL to “0x090185f2135308BaD17527004364eBcC2D37e5F6” (Token Contract Address) —> https://etherscan.io/address/0x090185f2135308bad17527004364ebcc2d37e5f6
🔮
Staking: (Check https://wenmerl.in for each “buyback” and “collection”)
Other Staking Methods
(Interest bearing assets can be utilized for loans/leveraging on abracadabra.money, or utilized using different protocols.)
KEEP IN MIND!! $MIM has an intrinsic value of $1 no matter what the market prices it thanks to the collateral backing it. Interest rates CAN BE increased to incentivize repayments until the $1 (or in this case 1 USDT) parity is reached in the main pool!!
HELPFUL LINKS:
https://app.camelot.exchange/
https://swap.defillama.com/
https://curve.fi/
submitted by MagicThePuff to SpellToken [link] [comments]


2024.05.16 16:25 Realistic-Eagle-5281 Need help urgent!

Hi people!
I have multiple overdues on my credit cards and personal loans and nbfc apps. Hence recovery agents are saying they will visit home. Actually I am not available at my permanent address. I am working in Bangalore. But they are telling that they will not visit my work address. Instead they will visit my permanent address where my friends, family and relatives live. Is there any email template or social media complaint template or is there any way to stop these recovery agents making visits to my permanent address where I am not available? I am telling them to come and meet my new communication address. But they are not listening. What should I do?
submitted by Realistic-Eagle-5281 to personalfinanceindia [link] [comments]


2024.05.16 16:23 VanillaWinner Car - Loss of power - Odd Issue!

Hey everyone,
I've got a 2011 Scirocco R 2.0TFSI Ea113 with around 90k miles on it (not kilometers), and I've been the proud owner for a solid decade. It's been running like a dream, until recently.
Here's the issue: About nine months back, my car unexpectedly conked out, with the battery light flashing. No matter how much I tried, it just wouldn't start, though it cranked up without firing. After that incident, I went ahead and swapped out the alternator (went for a genuine OEM Bosch), replaced the serpentine belt, pulleys were ok. Two months ago, I even replaced the battery with the factory equivalent, thinking that would sort it.
Just when I thought all was well, the problem reared its head again yesterday. This time, I was approaching a junction behind another vehicle, and bam, the car stalled - same old battery light, and zero crank. I called in the RAC (Roadside Assistance), they ran diagnostics, but couldn't pinpoint any issues. After giving it a jump, it reluctantly started, only to refuse to crank again once turned off. We did get it going and I drove it 2 miles home with them closely following, it drove fine.
Whilst I was broken down, I checked the earth, terminals etc, all seemed fine. All electrics inside the car worked fine.
I've got a few theories on what might be causing this, but I'd love to hear your thoughts before I dive into any fixes. I've reached out to a few garages, but for some reason, they're not exactly jumping at the chance to lend a hand.
Here's what I'm considering:
Crank Shaft Sensor Cam Sensor Fueling issues like HPFP / LPFP / Fuel Rails or Fuel Line / Filter (replaced the filter a couple of months ago)
I'll be running a full scan with my VCDS once I'm off work. If anyone could offer some insight or assistance, I'd be immensely grateful! Will share the auto-scan results once I've got them.
Cheers
***EDIT - I've now included the VCDS Auto-Scan***
Thursday,16,May,2024,16:22:45:00009
VCDS -- Windows Based VAG/VAS Emulator Running on Windows 7 x64
VCDS Version: 23.3.0.0
Data version: 20230228 DS346.1
www.Ross-Tech.com
VIN: WVWZZZ13ZCV005173 License Plate:
Mileage: 144890km-90030mi Repair Order:
Chassis Type: 13-VW36 (7N0)
Scan: 01 03 08 09 14 15 16 17 19 25 2E 37 42 44 46 52 55 56 77
VIN: WVWZZZ13ZCV005173 Mileage: 144890km-90030miles
01-Engine -- Status: Malfunction 0010
03-ABS Brakes -- Status: OK 0000
04-Steering Angle -- Status: OK 0000
08-Auto HVAC -- Status: OK 0000
09-Cent. Elect. -- Status: Malfunction 0010
14-Susp. Elect. -- Status: Malfunction 0010
15-Airbags -- Status: OK 0000
16-Steering wheel -- Status: OK 0000
17-Instruments -- Status: OK 0000
19-CAN Gateway -- Status: OK 0000
25-Immobilizer -- Status: OK 0000
2E-Media Player 3 -- Status: OK 0000
37-Navigation -- Status: Malfunction 0010
42-Door Elect, Driver -- Status: OK 0000
44-Steering Assist -- Status: OK 0000
46-Central Conv. -- Status: OK 0000
52-Door Elect, Pass. -- Status: OK 0000
55-Headlight Range -- Status: OK 0000
56-Radio -- Status: Malfunction 0010
77-Telephone -- Status: OK 0000
Address 01: Engine (CDL) Labels:. 06F-907-115-CDL.clb
Part No SW: 1K8 907 115 B HW: 8P0 907 115 B
Component: 2.0l R4/4V TFSI 0030
Revision: 5BH20--- Serial number:
Coding: 0403000C18070060
Shop #: WSC 66565 257 00032
VCID: 2D51BCB3B41137FB58-8078
VINID: 9E69EAAAA043A939800050470CBEA06003
3 Faults Found:
001681 - Fan 1 Control Circuit
P0691 - 002 - Short to GND - Intermittent
Freeze Frame:
Fault Status: 00100010
Fault Priority: 2
Fault Frequency: 14
Reset counter: 255
Mileage: 143990 km
Time Indication: 0
Date: 2018.10.07
Time: 15:47:49
Freeze Frame:
RPM: 1590 /min
Load: 11.0 %
Speed: 12.0 km/h
Temperature: 54.0 C
Temperature: 33.0 C
Absolute Pres.: 1010.0 mbar
Voltage: 14.224 V
001152 - Coolant Fan Control Circuit 1
P0480 - 008 - Electrical Malfunction - Intermittent
Freeze Frame:
Fault Status: 00101000
Fault Priority: 2
Fault Frequency: 28
Reset counter: 255
Mileage: 143990 km
Time Indication: 0
Date: 2018.10.07
Time: 15:48:51
Freeze Frame:
RPM: 749 /min
Load: 22.0 %
Speed: 0.0 km/h
Temperature: 69.0 C
Temperature: 31.0 C
Absolute Pres.: 990.0 mbar
Voltage: 14.224 V
000017 - Bank 1: Camshaft A (Intake)
P0011 - 004 - Retard Setpoint not Reached (Over-Advanced)
Freeze Frame:
Fault Status: 01100100
Fault Priority: 2
Fault Frequency: 1
Reset counter: 255
Mileage: 144895 km
Time Indication: 0
Date: 2018.10.07
Time: 01:23:12
Freeze Frame:
RPM: 1265 /min
Load: 14.5 %
Speed: 0.0 km/h
Temperature: 94.0 C
Temperature: 39.0 C
Absolute Pres.: 990.0 mbar
Voltage: 14.224 V
Readiness: 0000 0001
Address 03: ABS Brakes (J104) Labels:. 1K0-907-379-60EC1F.clb
Part No SW: 1K0 907 379 BJ HW: 1K0 907 379 BJ
Component: ESP MK60EC1 H31 0121
Revision: 00H31001
Coding: 763B80F5492280FF6E0C01EB921C0181350800
Shop #: WSC 00020 790 00000
VCID: 7BF542EBFAE5694B96-802E
No fault code found.
Address 08: Auto HVAC (J255) Labels: 5K0-907-044.clb
Part No SW: 5K0 907 044 EA HW: 5K0 907 044 EA
Component: Climatronic H17 1010
Revision: 00001003
Coding: 0000000002
Shop #: WSC 00020 999 00000
ASAM Dataset: EV_Climatronic A01010
ROD: EV_ClimaAutoBasis_VW36.rod
VCID: 6ED37BBFB1970CE321-803A
No fault code found.
Address 09: Cent. Elect. (J519) Labels:. 1K0-937-08x-09.clb
Part No SW: 5K0 937 087 M HW: 5K0 937 087 M
Component: BCM PQ35 H 011 0048
Revision: BE011001
Coding: 49180A388027E100400800C0340048E44B558388736D8D20E48000000040
Shop #: WSC 00020 790 12345
VCID: 3F8DF6FBAE7DB56BFA-806A
Subsystem 1 - Part No SW: 1K8 955 119 G HW: 1K8 955 119 G Labels: 1KX-955-119.CLB
Component: Wischer 23031 10 0603
Coding: 009795
Subsystem 2 - Part No: 1K0 955 559 AH Labels: 1K0-955-559-AG.CLB
Component: RLS 250611 05 54 0403
Coding: 0230ED
Subsystem 3 - Part No: 1K8 951 171
Component: DWA-Sensor 00 001 0104
Coding: 000000
1 Fault Found:
01134 - Alarm Horn (H12)
004 - No Signal/Communication
Freeze Frame:
Fault Status: 01100100
Fault Priority: 4
Fault Frequency: 1
Reset counter: 1
Mileage: 143987 km
Time Indication: 0
Date: 2018.10.07
Time: 16:13:47
Freeze Frame:
Term 15 On
Voltage: 11.40 V
ON
ON
OFF
OFF
OFF
Address 14: Susp. Elect. (J250) Labels:. 3C0-907-376.clb
Part No SW: 3C0 907 376 A HW: 3C0 907 376
Component: DAEMPFUNGS-SG H07 0071
Revision: 00000000 Serial number: 22061101400002
Coding: 000180
Shop #: WSC 00020 790 00000
VCID: 275D4E9B56ED1DABA2-8072
3 Faults Found:
03262 - Comfort Restriction
000 - -
Freeze Frame:
Fault Status: 01100000
Fault Priority: 6
Fault Frequency: 191
Reset counter: 97
Mileage: 143987 km
Time Indication: 0
Date: 2018.10.07
Time: 19:20:03
Freeze Frame:
Error Code: 2
Bin. Bits: 00000000
00141 - Rear Body Acceleration Sensor (G343)
003 - Mechanical Failure
Freeze Frame:
Fault Status: 01100011
Fault Priority: 2
Fault Frequency: 191
Reset counter: 97
Mileage: 143987 km
Time Indication: 0
Date: 2018.10.07
Time: 19:20:03
Freeze Frame:
Bin. Bits: 00000000 00000010
Bin. Bits: 00000000 00000000
00141 - Rear Body Acceleration Sensor (G343)
006 - Short to Plus - Intermittent
Freeze Frame:
Fault Status: 00100110
Fault Priority: 2
Fault Frequency: 203
Reset counter: 137
Mileage: 143987 km
Time Indication: 0
Date: 2018.10.07
Time: 15:29:35
Freeze Frame:
Address 15: Airbags Labels: 1K0-909-605.lbl
Part No SW: 1K0 909 605 AE HW: 1K0 909 605 AE
Component: 0H AIRBAG VW8 020 2300
Revision: 05020000 Serial number: 003D1D03V9H4
Coding: 0012360
Shop #: WSC 00020 790 00000
VCID: 6FED66BB7E9D05EB2A-803A
Subsystem 1 - Serial number: 6332MSME60134E717
Subsystem 2 - Serial number: 6342MSME6004412E3
Subsystem 3 - Serial number: 6352QSME3D1E3274O
Subsystem 4 - Serial number: 6362QSME0B0C0672G
No fault code found.
Address 16: Steering wheel (J527) Labels: 5K0-953-569.clb
Part No SW: 5K0 953 521 BM HW: 5K0 953 569 D
Component: LENKS.MODUL 014 0140
Revision: FF010040 Serial number: 20110616200784
Coding: 1082040000
Shop #: WSC 00020 999 00000
ASAM Dataset: EV_SMLSNGVOLWSXS A01004
ROD: EV_SMLSNGVOLWS.rod
VCID: 78FF5DE7C3D34253FB-802C
Multifunction steering wheel control module:
Subsystem 1 - Part No SW: 5K0 959 542 A HW: 5K0 959 542 A Labels: 3C8-959-537.CLB
Component: E221__MFL-TAS H07 0013
Coding: 820000
No fault code found.
Address 17: Instruments (J285) Labels: 5K0-920-xxx-17.clb-SRI1
Part No SW: 1K8 920 973 B HW: 1K8 920 973 B
Component: KOMBI H03 0607
Serial number: 00000000000000
Coding: 170F01
Shop #: WSC 00020 999 12345
ASAM Dataset: EV_Kombi_UDS_VDD_RM09 A04114
ROD: EV_Kombi_UDS_VDD_RM09_004_VW32.rod
VCID: 3467A9D79F3B663317-8060
No fault code found.
Address 19: CAN Gateway (J533) Labels:. 7N0-907-530-V2.clb
Part No SW: 7N0 907 530 H HW: 1K0 907 951
Component: J533 Gateway H42 1620
Revision: H42 Serial number: 170611F1000061
Coding: 354001
Shop #: WSC 00020 790 12345
VCID: 356194D39C417F3B20-8060
No fault code found.
Address 25: Immobilizer (J334) Labels: 5K0-920-xxx-25.clb
Part No SW: 5K0 953 234 HW: 5K0 953 234
Component: IMMO H03 0607
Serial number:
Coding: 000000
Shop #: WSC 00000 000 00000
ASAM Dataset: EV_Immo_UDS_VDD_RM09 A03009
ROD: EV_Immo_UDS_VDD_RM09_VW21.rod
VCID: 6ADB77AF8D7FE0C37D-803E
No fault code found.
Address 2E: Media Player 3 (J650) Labels:. 5N0-035-342.lbl
Part No SW: 5N0 035 342 E HW: 5N0 035 342 E
Component: SG EXT.PLAYER H13 0240
Revision: A1001003 Serial number: 7660255100
Coding: 010000
Shop #: WSC 00020 790 00000
VCID: 295948A340F92BDBB4-807C
No fault code found.
Address 37: Navigation (J0506) Labels:. 1T0-035-680.clb
Part No SW: 1T0 035 680 P HW: 1T0 035 680 P
Component: RNS-MID H10 5270
Revision: AB001001 Serial number: VWZ6Z7K5046078
Coding: 04000400040000900004
Shop #: WSC 12345 123 12345
VCID: 3B7582EBBA65A94BD6-806E
Subsystem 1 - Part No: 1T0 919 859 B
Component: EU West V11 8117
1 Fault Found:
00862 - Antenna for GPS Navigation (R50/R52)
011 - Open Circuit - Intermittent
Freeze Frame:
Fault Status: 00101011
Fault Priority: 5
Fault Frequency: 27
Reset counter: 137
Mileage: 144395 km
Time Indication: 0
Date: 2018.10.07
Time: 00:00:16
Address 42: Door Elect, Driver Labels:. 1K0-959-701-MAX3.clb
Part No SW: 1Q0 959 701 H HW: 1Q0 959 701 H
Component: Tuer-SG 009 2130
Coding: 0016949
Shop #: WSC 00020 790 00000
VCID: 397998E370599B5BC4-806C
No fault code found.
Address 44: Steering Assist Labels: 1K0-909-14x-GEN3.clb
Part No: 1K0 909 144 M
Component: EPS_ZFLS Kl. 250 3201
Revision: 00H20000
Shop #: WSC 00020 790 00000
VCID: 3467A9D7573B663317-8060
No fault code found.
Address 52: Door Elect, Pass. Labels:. 1K0-959-702-MAX3.clb
Part No SW: 1Q0 959 702 H HW: 1Q0 959 702 H
Component: Tuer-SG 009 2130
Coding: 0016948
Shop #: WSC 00020 790 00000
VCID: 3A7B87EF755F9043CD-806E
No fault code found.
Address 55: Headlight Range Labels: 8P0-907-357.lbl
Part No: 8P0 907 357 K
Component: Dynamische LWR H01 0010
Revision: 00000001 Serial number:
Coding: 0000016
Shop #: WSC 00020 790 00000
VCID: 428BFF0F1D8FD88395-8016
No fault code found.
Address 56: Radio (J0506) Labels:. 1T0-035-680.clb
Part No SW: 1T0 035 680 P HW: 1T0 035 680 P
Component: RNS-MID H10 5270
Revision: AB001001 Serial number: VWZ6Z7K5046078
Coding: 04000400040000900004
Shop #: WSC 12345 123 12345
VCID: 3B7582EBBA65A94BD6-806E
Subsystem 1 - Part No: 1T0 919 859 B
Component: EU West V11 8117
1 Fault Found:
00862 - Antenna for GPS Navigation (R50/R52)
011 - Open Circuit - Intermittent
Freeze Frame:
Fault Status: 00101011
Fault Priority: 5
Fault Frequency: 27
Reset counter: 137
Mileage: 144395 km
Time Indication: 0
Date: 2018.10.07
Time: 00:00:16
Address 77: Telephone (J412) Labels: 7P6-035-730.clb
Part No SW: 7P6 035 730 E HW: 7P6 035 730 E
Component: TELEFON H09 2730
Revision: 1B001001 Serial number: 00007660233684 Dataset Number: 7P6035730E 0001
Coding: 0A01000000010101
Shop #: WSC 00020 999 00000
ASAM Dataset: EV_UHVNA A01015
ROD: UHVNA.rod
VCID: 3467A9D79F3B663317-8060
2 Faults Found:
13635840 - Supply voltage
U1011 00 [000] - Voltage too Low
[New feature! Extended UDS fault detail is only supported by current gen. interfaces]
Intermittent - Not Confirmed - Tested Since Memory Clear
13893632 - Function Restricted due to Insufficient Voltage
U1400 00 [000] - -
Intermittent - Not Confirmed - Tested Since Memory Clear
End-------------------------(Elapsed Time: 02:50)--------------------------
submitted by VanillaWinner to MechanicAdvice [link] [comments]


2024.05.16 16:05 UpworkTrout Client suing Upwork

If a client sues Upwork, and they receive a motion to dismiss because when you sign up for Upwork, you agree to use arbitration, rather than the US court system, that's entirely different from freelancers agreeing to use arbitration for fixed-price projects, correct? I can't seem to get an answer from Upwork; they gave me some legal email address but it's an auto reply address that I can't reply to.
Or maybe a better way to ask the question is if a client sues both a freelancer AND upwork in the same lawsuit, any response from Upwork is only specific to THEIR role in the contract, correct? The freelancer would still have to show up a defend themself, not go through Upwork arbitration?
submitted by UpworkTrout to Upwork [link] [comments]


2024.05.16 16:02 Grindwalds Help to reduce code size in Arduino IDE for ESP32

#include  #include  #include  #include  #include  WiFiManager wifiManager;//Objeto de manipulação do wi-fi WiFiClient client; //Cliente de Telnet IPAddress server(10, 10, 10, 10); //IP do servidor da Amazon boolean found = false; //Se encontrou o ESP no último scan void setup() { BLEScan* pBLEScan; //Variável que irá guardar o scan uint32_t lastScanTime = 0; //Quando ocorreu o último scan uint32_t lastFoundTime = 0; //Tempo em que encontrou o ESP pela última vez //Callback das chamadas ao scan class MyAdvertisedDeviceCallbacks: public BLEAdvertisedDeviceCallbacks { void onResult(BLEAdvertisedDevice advertisedDevice) { //Sempre que um dispositivo for encontrado ele é mostrado aqui //Serial.print("Device found: "); //Serial.println(advertisedDevice.toString().c_str()); //Se for o dispositivo que esperamos if(advertisedDevice.getAddress().toString() == "2a:07:98:00:03:c8" ) { //Marcamos como encontrado, paramos o scan found = true; advertisedDevice.getScan()->stop(); Serial.println("Botão encontrado!"); } } }; Serial.begin(115200); pinMode(32, OUTPUT); digitalWrite(32, LOW); //Guardamos a referência e configuramos o objeto scan BLEDevice::init("R3Play"); pBLEScan = BLEDevice::getScan(); pBLEScan->setAdvertisedDeviceCallbacks(new MyAdvertisedDeviceCallbacks()); pBLEScan->setActiveScan(true); // Criar um objeto BLEClient com o UUID definido BLEClient* pClient = BLEDevice::createClient(); //callback para quando entra em modo de configuração AP wifiManager.setAPCallback(configModeCallback); //callback para quando se conecta em uma rede, ou seja, quando passa a trabalhar em modo estação wifiManager.setSaveConfigCallback(saveConfigCallback); } void loop() { //inicia somente led azul if(WiFi.status()!= WL_CONNECTED){ wifiManager.resetSettings();} if (digitalRead(12) == LOW){ ///////////////////////////////////////////////////////////////// <------------------------------------- Serial.println("Pino 12 apertado"); digitalWrite(26,HIGH); //LIGA BUZINA digitalWrite(32,HIGH); //Acende LED azul delay(1000); digitalWrite(26,LOW); //DESLIGA BUZINA digitalWrite(32,LOW); //apaga LED azul delay(1000); if(WiFi.status()== WL_CONNECTED){ if (client.connect(server, 6802)) { Serial.println("Telnet connected"); client.println("2on+510Vbutton"+ WiFi.macAddress() +"- R3Play"); Serial.println("2on+510Vbutton"+ WiFi.macAddress() +"- R3Play"); } else { Serial.println("Telnet connection failed");// if you didn't get a connection to the server: } } } if(WiFi.status()== WL_CONNECTED){ //Se conectado na rede digitalWrite(32,HIGH); //Acende LED VERDE //Serial.println("Conectado na Rede WiFi!!!"); } else{ //se não conectado na rede digitalWrite(32,LOW); //Apaga LED VERDE wifiManager.autoConnect();//Função para se autoconectar na rede } } //callback que indica que o ESP entrou no modo AP void configModeCallback (WiFiManager *myWiFiManager) { Serial.println("Entrou no modo de configuração"); Serial.println(WiFi.softAPIP()); //imprime o IP do AP Serial.println(myWiFiManager->getConfigPortalSSID()); //imprime o SSID criado da rede } //Callback que indica que salvamos uma nova rede para se conectar (modo estação) void saveConfigCallback () { Serial.println("Configuração salva"); } 
Good morning guys I'm trying to upload a code to my ESP32 but I don't have space on the board, I would like some help or tips to reduce the size of my code. thanks
submitted by Grindwalds to arduino [link] [comments]


2024.05.16 16:01 billemarcum Where are all of my contacts?

https://preview.redd.it/kgj2m9zios0d1.png?width=1913&format=png&auto=webp&s=34092ff28f91a7c79f37fa610616a5f494e2386f
I've had my email for years and just wondering, where are all my contacts? How can I send a blast email to everyone? When I begin to type a new email and type someone's email address it auto populates and I then selected the email but, where do I find all my contacts? I'm lost.
submitted by billemarcum to MicrosoftOutlook [link] [comments]


2024.05.16 15:46 Friendly_Sea8570 Do addresses on insurance and registration/license need to match?

Hi everyone,
I have an appointment tomorrow at motor vehicle to register a car under my name that my mother will be using most of the time.
We both live in different addresses because I moved out of our house maybe three years ago so my license has my new address.. however since my mom will be the primary user of this car when I went to purchase auto insurance, I figured that I would need to put her home address where the car will be 50% of the time or more. both our names are in the insurance policy.
So now I’m afraid that when I go there tomorrow, they’ll give me issues..
because for car insurance, I always get confused if it needs to match the address on your license or not because my situation is a little different..
Any insights on this?
submitted by Friendly_Sea8570 to newjersey [link] [comments]


2024.05.16 15:38 dr_white_rabbit The Importance of Being Safe Online in This Day and Age

In today's interconnected world, the internet is integral to our daily lives. From communication and education to shopping and entertainment, we rely heavily on digital platforms. However, the convenience of the internet comes with significant risks. Cyber threats are more prevalent and sophisticated than ever before, making online safety a critical concern. This article explores why online safety is paramount and provides comprehensive tips to help you protect yourself and your data.

Why Online Safety is Important

  1. Personal Information Protection
    • Identity Theft: Cybercriminals can steal personal information such as names, addresses, social security numbers, and credit card details. This information can be used to commit identity theft, leading to financial loss and legal complications. Identity theft can also cause long-term damage to your credit score, making it difficult to obtain loans, mortgages, or even employment.
    • Privacy Invasion: Sensitive personal details, if compromised, can lead to unwanted exposure and privacy violations. This can have severe emotional and psychological impacts. Privacy invasion can also lead to harassment or stalking, creating a threatening environment for victims.
  2. Preventing Financial Loss
    • Phishing Scams: These scams trick individuals into revealing financial information by posing as legitimate entities. Falling victim to phishing can result in unauthorized transactions and drained bank accounts. Phishing scams can also compromise your email and social media accounts, leading to further exploitation.
    • Ransomware: Cybercriminals use ransomware to encrypt your data and demand a ransom for its release. Paying the ransom does not guarantee data recovery and often leads to further exploitation. Businesses can face significant operational disruptions and financial loss due to ransomware attacks, impacting their ability to serve customers and maintain trust.
  3. Securing Sensitive Data
    • Business Information: For businesses, safeguarding sensitive data such as customer information, intellectual property, and strategic plans is crucial. A data breach can result in substantial financial losses, legal consequences, and reputational damage. Companies must comply with data protection regulations like GDPR and CCPA, which mandate strict data handling and reporting practices.
    • Compliance and Regulations: Many industries are subject to strict data protection regulations. Failure to comply can result in hefty fines and legal action. Ensuring compliance with regulations not only protects data but also enhances customer trust and loyalty.
  4. Maintaining Online Reputation
    • Social Media Safety: Your online profiles are part of your digital identity. A compromised account can lead to reputational damage, both personally and professionally, as malicious actors can post harmful content or send fraudulent messages. Social media accounts are often targeted for their high visibility and potential to spread misinformation.
    • Professional Integrity: For professionals, maintaining a clean online presence is crucial for career growth. Employers and colleagues often review social media profiles to gauge character and professionalism. An online reputation tarnished by cyber incidents can hinder career advancements and job opportunities.
  5. Avoiding Malware and Viruses
    • System Integrity: Malicious software can corrupt files, steal information, and degrade system performance. Ensuring your devices are protected helps maintain their integrity and functionality. Malware can also create backdoors for attackers to continuously exploit your system, leading to recurring security issues.
    • Data Security: Malware can give attackers access to sensitive data stored on your devices, leading to data breaches and information theft. This can include personal photos, documents, and confidential business information, all of which can be exploited for financial gain or blackmail.
  6. Safe Communication
    • Encryption: Secure online communication is vital to protect private conversations and sensitive information from being intercepted by malicious actors. Encrypted communication ensures that only the intended recipient can access the message content. Encryption tools like Signal and WhatsApp provide end-to-end encryption for messaging, ensuring privacy.
    • Awareness: Being aware of potential communication threats, such as spoofed emails and fake profiles, can prevent you from falling prey to social engineering attacks. Educating yourself and others on recognizing these threats is essential for maintaining secure communication channels.

Comprehensive Tips for Staying Safe Online

  1. Use Strong, Unique Passwords
    • Password Complexity: Create complex passwords that include a mix of uppercase and lowercase letters, numbers, and symbols. Avoid using easily guessable information such as birthdays or common words. Strong passwords reduce the likelihood of brute-force attacks.
    • Password Management: Use a password manager to generate and store unique passwords for each of your accounts. This ensures that you do not reuse passwords, which can be a significant security risk. Password managers also help you keep track of your login credentials securely.
  2. Enable Two-Factor Authentication (2FA)
    • Extra Layer of Security: Two-factor authentication (2FA) adds an additional layer of security by requiring a second form of verification, such as a text message code or authentication app, in addition to your password. 2FA significantly enhances account security, even if your password is compromised.
    • Account Protection: Enabling 2FA on your accounts can significantly reduce the risk of unauthorized access. Popular services like Google, Facebook, and banking apps offer 2FA options, which should be enabled for all sensitive accounts.
  3. Be Cautious with Emails and Links
    • Email Verification: Be wary of emails from unknown senders and avoid clicking on suspicious links or downloading attachments from untrusted sources. Verify the sender's email address and look for signs of phishing, such as misspellings or urgent requests for personal information. Phishing emails often create a sense of urgency to trick recipients into taking immediate action.
    • URL Inspection: Hover over links to see the actual URL before clicking. Ensure that the URL is legitimate and not a cleverly disguised phishing site. Secure websites typically use HTTPS, indicating a secure connection.
  4. Keep Software Updated
    • Regular Updates: Regularly update your operating system, browsers, and software applications. Updates often include security patches that protect against newly discovered vulnerabilities. Outdated software is a common target for cyberattacks due to unpatched security flaws.
    • Automatic Updates: Enable automatic updates where possible to ensure that you receive the latest security patches without delay. This is especially important for antivirus software and operating systems, which frequently release critical security updates.
  5. Use Antivirus and Anti-Malware Programs
    • Protection Tools: Install and maintain reliable antivirus and anti-malware software to detect and remove harmful threats from your devices. Regularly scan your system to ensure it is free from malware. These tools provide real-time protection against a wide range of threats.
    • Real-Time Protection: Use real-time protection features to continuously monitor your system for suspicious activity. Real-time protection helps prevent malware from executing and spreading on your device.
  6. Secure Your Home Network
    • Wi-Fi Security: Protect your Wi-Fi network with a strong password and use WPA3 encryption for added security. Avoid using default passwords and SSIDs that can be easily guessed. A secure Wi-Fi network prevents unauthorized access and protects data transmitted over the network.
    • VPN Use: Consider using a virtual private network (VPN) to encrypt your internet connection, especially when using public Wi-Fi. A VPN masks your IP address and secures your online activities from prying eyes. VPNs are particularly useful for protecting sensitive information while traveling or accessing unsecured networks.
  7. Monitor Your Accounts
    • Account Activity: Regularly check your bank statements, credit reports, and online accounts for any unusual activity. Early detection of unauthorized activity can prevent further damage. Set up account alerts to receive notifications of suspicious transactions or login attempts.
    • Alert Systems: Set up account alerts to notify you of suspicious transactions or login attempts. Many financial institutions and online services offer customizable alert options to keep you informed of account activity.
  8. Educate Yourself and Others
    • Stay Informed: Stay informed about the latest online threats and security practices. Follow reputable sources for cybersecurity news and updates. Cybersecurity is an evolving field, and staying current with trends and threats is crucial for maintaining safety.
    • Community Awareness: Share your knowledge with family, friends, and colleagues to promote a safer online environment for everyone. Encourage them to adopt good security habits and practices. Hosting workshops or informational sessions can be an effective way to spread awareness.
  9. Backup Your Data
    • Regular Backups: Regularly back up your important data to an external hard drive or cloud storage service. This ensures that you can recover your information in case of a cyberattack or system failure. Regular backups protect against data loss from ransomware attacks or hardware failures.
    • Backup Encryption: Encrypt your backups to protect them from unauthorized access. Encrypted backups ensure that even if backup media is lost or stolen, the data remains secure.
  10. Be Skeptical of Free Offers

Conclusion

In an increasingly digital world, online safety is more important than ever. Protecting personal and sensitive information from cyber threats requires vigilance and proactive measures. By following the comprehensive tips provided, you can enhance your online security and enjoy the benefits of the internet with greater peace of mind. Stay safe, stay informed, and make online safety a priority.
Being safe online is not just a personal responsibility but a collective one. By practicing good cybersecurity habits, you contribute to a safer digital environment for everyone. Remember, the cost of negligence can be high, but with the right precautions, you can
submitted by dr_white_rabbit to antivirus [link] [comments]


2024.05.16 15:32 brysonalt why did my score drop 40 points over night??

i’ve worked really hard to get my score up to 700 but then for no reason it suddenly drops 40 points??? this is so discouraging and disappointing. anyone have an idea why?
when i clicked on see why, it said there was as no reason as to why
edit: I know it’s not literally overnight. I have 2% utilization been making my minimum monthly payments on my auto loan and I’ve been making extra payments on my auto loan so I don’t see there’s anything I’ve done that can make it drop 40 points.
submitted by brysonalt to CRedit [link] [comments]


2024.05.16 15:20 MeditateBreathe Reducing OCC Data FUD

Reducing OCC Data FUD
There have been some misinterpretations of the OCC data that I’d like to address:
  1. The numbers in the OCC data are in ‘dollar’ values and not ‘shares’, which makes a huge difference in interpretation
  2. To get the current total amount of dollars loaned left, you should not be accumulating different days. Just get the latest day’s total as it represents the balance. Think of it like the balance in your bank account
Why the numbers in the OCC data are in ‘dollar’ values and not ‘shares’:
5/15/24 Daily Stock Loan Volume
  • You can view the ‘Stock Loan Balance by Security’. Where you can download a spreadsheet for a specific day that breaks down the loan amounts by Security(stock). Here’s an example of what that looks like
OCC Website: 'Stock Loan Balance by Security'
5/15/24 Stock Loan Balance by Security Spreadsheet
  • You can confirm these numbers are in ‘dollar’ values and not ‘shares’ because if you total each column, it exactly matches the totals from the OCC’s website(‘Stock Loan Volume’). Spreadsheet totals for 5/15/24 can be seen here:
5/15/24 Spreadsheet Totals
  • I aggregated GME’s data for May 2024 here:
GME May 2024 Data
  • When you view the Stock Loan Balance by Security for 5/15/24, you can see they have less than half of their ‘ammo’ from 5/14/24 where it’s dropped from $1,576,524,825 down to $751,737,265
  • IMO that is BULLISH given the prices GME has been holding each day and shows how desperate the shorts are burning through cash
submitted by MeditateBreathe to Teddy [link] [comments]


2024.05.16 14:51 TradedMedia Hakimian Capital Provides $9M Acquisition Loan For Bushwick Multifamily

The multifamily property located at 70 Wyckoff Avenue in Bushwick, Brooklyn spans 61,356 square feet and consists of 50 units. The loan for the acquisition of this property was secured from Hakimian Capital, with Sammy Hakimian, Michael Hakimian, and Daniel Nadri as the lenders, amounting to $9,000,000.

Summary of transaction details:

Sammy Hakimian, Michael Hakimian, and Daniel Nadri from Hakimian Capital played a crucial role in facilitating the loan for the acquisition of the multifamily property at 70 Wyckoff Avenue. The involvement of these key individuals highlights the collaborative effort that led to the successful completion of this real estate transaction.
Learn More: Hakimian Capital Provides $9M Acquisition Loan For Bushwick Multifamily
submitted by TradedMedia to tradedny [link] [comments]


2024.05.16 14:43 Mysterious_You6342 Do I try selling my salvage title car or keep it to move across the country?

I am moving to California no later than October, currently I have a 2007 Chevy Equinox that I bought right before coming to college with some money I saved up over the summer. The issue is that it has had problem after problem. Most fixed right now, besides a couple error codes showing on a more extensive code scanner. I have had it for 3 years and Kelly Blue Book is showing that my car for private party trade in is worth $2,500 - $4,000 but trade in value through a dealership (if they take salvage titles) is only worth about $800 - $1500. If I can get all of the small things taken care of, it’s a pretty reliable car with nice space for my fiancée and I plus our two dogs when we want to go small distances.
I mainly used it to commute 4.5 hrs back and forth to college but driving down to California from where I’m at in mine and my fiancés car would be about a 21 hr drive. Right now, I am in a situation where one of the codes showing is something that COULD be a faulty BCM issue (which I just spent close to $800 to fix) so if I take it in for a diagnostics run and it is a faulty BCM, then it’s still under warranty and I don’t have to worry about any additional costs. If it’s not, it’s $175 to look at it and if there’s anything else seriously wrong, who knows how much more I would have to pay. I am in a situation where I have a decent credit score for my age (21) but my credit age is at a grade c and if I didn’t get a great trade price, I don’t want to have to get more than about a $1000 auto loan and have my credit score take a hit RIGHT before moving to California and applying for apartments.
Should I bite the bullet, sell my car on Facebook market place or Craigslist (making it clear it has a salvage title) and hope to get $3,500 out of it to turn around and try to get another okay car to take down to California. Do I hold onto it and spend what I have to to fix it, risk taking it to California just until I can get into a better financial situation and then be able to get a $5,000 car loan for a better car? Because holding onto it is just going to bring down the value of it the longer I have it. I am a girl who wants to know more about cars and all of the people around me are also kind of stuck. Looking for some possible good advice or other insights!!
submitted by Mysterious_You6342 to car [link] [comments]


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