Letter sample explaning the reasonof bankruptcy filing

Let's fight back against student loan debt servitude

2014.09.14 12:21 daiyuesen Let's fight back against student loan debt servitude

Student Loans Defaulters

2024.06.09 12:35 Uhduh_08 soap opera situation

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

submitted by Uhduh_08 to chicagoapartments [link] [comments]

2024.06.09 12:20 Uhduh_08 Apartment Help

submitted by Uhduh_08 to AskChicago [link] [comments]

2024.06.09 04:24 thekermitderp Gilgo Beach killings: How Rex Heuermann's 'manifesto' became road map for investigators

By Nicole MilleNewsday. Pasted here in case you hit a pay wall.
Suspected Gilgo Beach serial killer Rex A. Heuermann thought he had long deleted what prosecutors called a “manifesto” on how to kill and avoid detection, a two-paged document littered with bone-chilling references to a “dump site” and burning clothes.
Under the ominous subheading of “body prep,” prosecutors said Heuermann listed “remove head and hands” and “package for transport.”
The existence of the “manifesto” was publicly disclosed Thursday as Heuermann was arraigned on two more murder counts. Prosecutors say evidence, including DNA, links Heuermann to victims Jessica Taylor, a 20-year-old sex worker and Poughkeepsie native living in Manhattan, and Sandra Costilla, a Queens resident who was 28 when she was killed and her body dumped in a field in North Sea.
Suffolk County District Attorney Ray Tierney on Friday called the “planning document” a major break in the case, telling Newsday in an exclusive interview that its contents prompted a second search of Heuermann’s home in Massapequa Park and the woods in Manorville where three of the victims were found.
The Microsoft Word document, created in 2000 and typed in all caps, was a “planning document” used by Heuermann to “methodically 'blueprint' and 'plan out' his 'kills,'” prosecutors said in a bail letter as part of a superseding indictment charging Heuermann with the killings of Costilla and Taylor, bringing the number of women whom Heuermann has been charged with killing to six.
“The Gilgo Homicide Task Force members believe that the totality of circumstances surrounding the HK Planning Document, including Heuermann's attempt to delete its existence, points to it as Heuermann's self-education and 'homework' on the topic of carrying out serial, sexual murder,” prosecutors said in the bail letter.
It was last July, after Heuermann was arrested outside the Fifth Avenue office of his midtown Manhattan architectural firm and charged in the killings of Melissa Barthelemy, Megan Waterman and Amber Costello, that authorities found the hard drive during a two-week-long search of Heuermann's home. Heuermann was later charged with killing Maureen Brainard-Barnes, who along with Barthelemy, Waterman and Costello are known as “The Gilgo Four.”
With mountains of other potential evidence to process from the search of the home and two nearby storage facilities, authorities recovered the document, which was thought to have been deleted by Heuermann, from a hard drive found in the basement only recently — on March 7 — during a computer forensic extraction method called “file carving.”
Tierney on Thursday identified the 60-year-old former architect, who has been living in virtual isolation in the Suffolk County Jail since his arrest last July 13, as a suspect in the killing of another Gilgo Beach victim — Valerie Mack, a 24-year-old New Jersey woman who disappeared in October 2000.
The prospect of a suspect indicted on six of the killings was almost unthinkable in the years since authorities found the first remains on Dec. 11, 2010, near Gilgo Beach.
Police had been searching for Shannan Gilbert, a New Jersey woman who was working as an escort and had disappeared after seeing a client in nearby Oak Beach in May 2010. In the following months, the remains of 10 people were found — eight women, one man and a female toddler. Gilbert’s remains were later found, but authorities ruled her death accidental.
Until Heuermann's arrest last year, the mystery of who killed 10 people — mostly sex workers — and dumped their bodies along Ocean Parkway had confounded federal, state and local investigators.
With the indictment of Heuermann in the killing of Costilla, who had not until recently been identified as a possible Gilgo Beach victim, the timeline of the case has broadened significantly. The other five victims were killed from 2007 to 2010, but Costilla was killed sometime in November 1993, suggesting that Heuermann began his alleged killing spree much earlier. On Friday, Tierney said there was anecdotal evidence that Costilla was engaged in sex work.
Their killings are detailed in the bail letter unveiled last week.
Two hunters discovered Costilla’s remains in a wooded area of Southampton on Nov. 20, 1993. A native of Trinidad and Tobago, she was living on Long Island and in Queens and Brooklyn before her disappearance and killing.
Costilla was found lying on her back with her arms outstretched over her head, and her shirt was pulled up over her torso and head, exposing her breasts, authorities said. Her naked legs were spread apart. She had several “sharp force” injuries to her face, torso, breasts, left thigh and vaginal area, authorities said. Three hairs were recovered from her remains — one found on her right arm, and two others from tape-lifts of two shirts that were above her head.
Those hairs were earlier tested against the DNA of convicted killer John Bittrolff, long suspected in Costilla’s killing, but he was excluded as a match.
Recent DNA testing comparing Heuermann’s mitochondrial and nuclear profiles to the hairs, could not exclude Heuermann as the provider of the hairs found on Costilla’s body.
“It is significant that two forensic laboratories have now independently determined that male hair recovered from the mutilated remains of Sandra Costilla is substantially more likely to have derived from a personal genetically identical to defendant Heuermann’s mitochondrial and nuclear profiles,” prosecutors said in the bail letter.
Further testing showed, according to prosecutors, that another of the pieces of hair found on Costilla’s remains “shares a common base at all compared positions” with a DNA sample provided by a woman who had lived with Heuermann before Costilla’s disappearance and killing. The woman, who authorities referred to only as “witness #3” in the bail letter, said she could not be excluded as the contributor of the hair found on Costilla.
That woman, whose relationship to Heuermann at the time has not been publicly shared, had been living with Heuermann since 1991 and moved out of their shared residence in September 1993 — about two months before Costilla disappeared and was killed, prosecutors said. Heuermann’s late mother had moved out of the home before the woman, prosecutors noted, without giving a time frame on the mother’s cohabitation with her son.
Prosecutors noted that Heuermann would have been living alone at the time Costilla was killed, giving him “unfettered time to executive his plans” without worrying about anyone coming home to discover a crime in progress.
That’s a theme that prosecutors have said runs through Heuermann’s alleged killing spree: Heuermann’s family was always vacationing out of state when he allegedly committed the killings. In the case of Taylor, prosecutors said, phone records and other documents indicate that Heuermann’s now-estranged wife Asa Ellerup and children were vacationing in Vermont when the young woman was killed.
Someone walking a dog found Taylor’s remains on July 26, 2003, just west of Halsey Manor Road in Manorville and called 911. Lying on her back with her legs bent beneath her, Taylor was decapitated and both of her arms had been severed below her elbows. A tattoo on Taylor’s torso had been “severely obliterated by a sharp object,” prosecutors said, adding that they believe that act, along with the dismemberment of her body, had been done by Heuermann to “inhibit” authorities from positively identifying her remains.
It wasn’t until some eight years later — on March 29, 2011 — that authorities found Taylor’s skull, hands and forearm along Ocean Parkway, just east of Gilgo Beach. Her remains were located less than a mile from where the Gilgo Four victims’ remains were discovered.
Taylor was last heard from on July 21, 2003 — five days before her partial remains were discovered. Police interviewed a witness who said on July 25, 2003, at about 10:30 p.m. they had seen a dark-colored Chevrolet pickup backed into the same wooded area where Taylor’s remains were later found.
Heuermann had owned a dark green 2002 Chevrolet Avalanche pickup during that time, investigators have said. And it was key to Heuermann’s initial arrest.
A New York State Police investigator assigned to the Gilgo Beach Task Force, using a database that can search for vehicles by make and model, first identified Heuermann as the owner of an Avalanche and a potential suspect on March 14, 2022.
A witness in Costello’s disappearance — her West Babylon roommate — also described to police a similar vehicle being driven by a man who was seen with Costello shortly before she was last seen alive.
Costello got a call from a burner phone purportedly used by Heuermann on Sept. 1, 2010, authorities have said. A man that investigators think was Heuermann, described by the witness as appearing like an “ogre” and seeking a paid sexual liaison, came inside the house, but she and others there executed a ruse to take his money, authorities said.
A man posing as her boyfriend showed up and the client said he was only her friend and left. But that same prospective customer contacted Costello the next night and she left with him — the witness telling authorities he saw the dark-colored Chevrolet Avalanche drive away from the home. That was the last time she was seen alive, authorities said.
Police did not appear to act on the witness statements at the time in either sighting of the distinctive-looking vehicle.
After Taylor’s partial remains were found, authorities said, Heuermann searched online for a new Chevrolet Avalanche in bright blue and white and attempted to delete the search.
DNA testing, according to prosecutors, links Heurmann to Taylor’s killing. Heuermann cannot be excluded as the contributor of a male human hair that was recovered from a surgical drape found under Taylor's remains, although 99.96% of the North American population can be, the bail letter said, adding that DNA analysis conducted by two separate labs had reached similar conclusions.
Heuermann is not charged in the killing of Valerie Mack, a sex worker who went missing in 2000, but for the first time Thursday, authorities linked Heuermann to her killing, noting that an analysis of Heuermann's electronic devices revealed a significant collection of violent, bondage and torture pornography, dating to 1994.
The images showed various abuse and mutilation that prosecutors said “notably and largely coincide with how the remains of Sandra Costilla, Jessica Taylor, and Valerie Mack were discovered,” the bail letter reads.
Authorities found Heuermann’s extensive porn collection after seizing more than 350 electronic devices from his home after he was arrested last year.
The HK Planning Document was among the items that piqued prosecutors’ interest. It prompted authorities to search multiple wooded areas in the Manorville area in April, though no new remains were found.
Prosecutors have studied the document and laid out their theories of what it all means. The document lists “finger prints and gloves” and “hair & fiber” as “problems.” Prosecutors said that section of the document appears to be a guide to avoiding apprehension. A section on “supplies,” which lists tarps/drop clothes, medical gloves and saw/cutting tools, are the supplies needed to carry out the killings, prosecutors said.
In another section, Heuermann wrote, according to prosecutors, “REMOVE ID MARKS,” which they argue is consistent with Heuermann’s alleged attempt to obscure Taylor’s tattoo. The document’s “BODY PREP” section, which also notes to “REMOVE HEAD AND HANDS,” clearly relates to the condition of Taylor’s and Mack’s remains, as both victims were decapitated and dismembered at their arms below their elbows, prosecutors said.
Some of the HK Planning Document has origins in the 1996 book written by former FBI special agent and profiler John Douglas entitled “Mind Hunter,” which explored serial killer profiling, prosecutors said, specifically graphic passages on sexual torture.
When authorities searched Heuermann’s home after his arrest, they found another of Douglas’ books: “The Cases That Haunt Us.”

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2024.06.09 03:25 HyderNidPryder 500 o Ferfenwau / 500 Welsh verb-nouns with verb stems (Set 4)

Berfenw / Verb-noun	Ystyr / Meaning	Bôn y ferf / Verb stem
acennu	to accentuate, to stress	acenn-
achredu	to accredit; accreditation	achred-
adalw	to recall, to summon back, to revoke, to repeal	adalw-
ad-dalu	to repay	ad-dal-
ad-drefnu	to reorganise, to rearrange	ad-drefn-
adfeddiannu	to repossess, to regain	afeddiann-
adleoli	to relocate	adleol-
adlynu	to adhere	adlyn-
adsefydlu	to rehabilitate; to re-establish, to reinstate	adsefydl-
aduno	to reunite	adun-
adwerthu	to retail, to resell	adwerth-
afradloni	to waste, to squander, to spend extravagantly	afradlon-
angori	to anchor	angor-
ailadeiladu	to rebuild	ailadeilad-
aildrefnu	to rearrange, to reorganise, to restore	aildrefn-
ailddarganfod	to rediscover	ailddarganfydd-
ailddatblygu	to redevelop	ailddatblyg-
ailddefnyddio	to reuse	ailddefnyddi-
ailddosbarthu	to reclassify; to redistribute	ailddosbarth-
ailenwi	to rename	ailenw-
ailethol	to re-elect	ailethol-
ailfeddwl	to rethink, to change one's mind, to reconsider	ailfeddyli-
ailgartrefu	to rehouse, to rehome	ailgartref-
ail-greu	to recreate	ailgre-
ailsefydlu	to re-establish, to rehabilitate	ailsefydl-
ailstrwythuro	to restructure	ailstrwythur-
ailwampio	to revamp	ailwampi-
allbynnu	to output (in computing)	allbynn-
allforio	to export	allfori-
alltudio	to deport, to exile	alltudi-
allyrru	to emit, to give off	allyrr-
amaethu	to cultivate	amaeth-
amgodio	to encode (computing)	amgodi-
amgryptio	to encrypt	amgrypti-
amgylchynu	to surround, to encircle, to encompass	amgylchyn-
amharchu	to disrespect	amharch-
amlinellu	to outline, to sketch	amlinell-
amseru	to time, to date, to take your time	amser-
andwyo	to spoil, to ruin	andwy-
anesmwytho	to become or make uneasy, anxious or restless, to disturb, to disquiet	anesmwyth-
anfarwoli	to immortalize	anfarwol-
animeiddio	to animate (make an animation)	animeiddi-
anweddu	to evaporate, to vaporize, to produce steam	anwedd-
anwylo	to cuddle, to caress, to cherish, to endear	anwyl-
apwyntio	to appoint	apwynti-
aralleirio	to paraphrase, to reword	aralleiri-
arallu	to make changes, to alter; to alienate, to estrange	arall-
arddweud	to dictate (for transcription)	arddywed-
aredig	to plough	ardd-
arolygu	to survey, to inspect	arolyg-
asesu	to assess	ases-
atafaelu	to confiscate, to seize, to distrain	atafael-
atalnodi	to punctuate	atalnod
atgyfodi	to resurrect, to revive	atgyfod-
atodi	to append, to attach (document etc.), to add to	atod-
awdurdodi	to authorise, to empower	awdurdod-
awyru	to air, to ventilate, to aerate	awyr-
baldorddi	to talk nonsense, to babble, to prattle	baldordd-
beichio crio	to sob	beichi-
betio	to bet (money)	beti-
bigit[i]an	to provoke, to annoy, to pick a quarrel, to nag (De Cymru)
bipian	to bleep, to beep	bipi-
blaguro	to form buds, to put out shoots, to sprout	blagur-
blaseiddio	to flavour, to season	blaseiddi-
blingo	to skin, to flay	bling-
blysio	to crave	blysi-
bod gan rywun	to have, to possess
bod wrth eich bodd yn / gyda	to love, to be in one's element (doing / with)
bod yn edifar gan rywun	to regret
bod yn well gan rywun	to prefer
boddhau	to please	boddha-
boneddigeiddio	to gentrify; to ennoble	boneddigeiddi-
botymu	to button	botym-
braenaru	to fallow, to prepare for cultivation	braenar-
bragu	to brew (with malt)	brag-
brechu	to vaccinate, to inoculate	brech-
bridio	to breed	bridi-
britho	to go grey (of hair or beard), to dapple, to speckle, to fleck, to mottle	brith-
brodio	to embroider	brodi-
bronfwydo	to breastfeed
buddioli	to benefit, to profit	buddiol-
bwrw cenllysg	to hail (weather) (Gogledd Cymru)	bwri-
bwrw cesair	to hail (weather) (De Cymru)	bwri-
bwydo ar y fron	to breastfeed
byddaru	to deafen, to become deaf	byddar-
byrddio	to board	byrddi-
byrhau	to shorten, to abbreviate
byseddu	to finger	bysedd-
bywhau	to animate	bywha-
bywiocáu	to enliven
cadwyno (wrth)	to chain (to)	cadwyn-
caethiwo	to enslave, to addict	caethiw-
cafflo	to cheat (De Cymru)	caffl-
calchu	to lime	calch-
camdreiglo	to mutate incorrectly (grammar)	camdreigl-
camgymryd	to mistake	camgymer-
camsefyll	to be offside (in football, rugby etc.)
camymddwyn	to misbehave, to commit misconduct	camymddyg-
canlyn	to follow; to court	canlyn-
canoli	to centralize, to focus, to mediate	canol-
carco	to care, to take care of, to mind; to be thrifty (De Cymru)	carc-
cardota	to beg (for alms)	cardot-
carthu	to purge, to clean, to muck out animal dwelling	carth-
castio	to cast (especially in an acting part); to play tricks	casti-
catalyddu	to catalyse	catalydd-
cefnu ar	to turn one's back on, to forsake	cefn-
cenhadu	to propagate (message / faith), to conduct a mission, to proselytise	cenhad-
cenhedlu	to reproduce (offspring); to conceive (offspring)	cenhedl-
ceulo	to clot, to coagulate, to congeal	ceul-
ciwio	to queue	ciwi-
clatsio	to strike, to hit (De Cymru)	clastsi-
clatsio ymlaen	to crack on, to persevere (De Cymru)
clau	to clean (De Cymru)
clocsio	to clog dance; to make or repair clogs	clocsi-
clochdar	to cluck, to cackle, to boast
clodfori	to praise	clodfor-
cloffi	to become lame	cloff-
cloncan	to chat, to natter, to gossip, to prattle (De Cymru)	clonc-
clustnodi	to ear-mark	clustnod-
clwydo	to roost	clwyd-
clytio	to patch	clyti-
cnoi cil	to ruminate (chew cud, also figurative), to think over	cno-
coethi	to refine, to purify	coeth-
colledu	to cause loss to, to damage	colled-
conan	to grumble, to complain (De Cymru)
condemnio	to condemn	condemni-
costrelu	to bottle	costrel-
creithio	to scar	creithi-
cribddeilio	to extort, to plunder, to take by force	cribddeili-
cribinio	to rake (Gogledd Cymru)	cribini-
crisialu	to crystalize	crisial-
croeshoelio	to crucify	croeshoeli-
croesholi	to cross-examine, to cross-question	croeshol-
cronni	to amass, to collect, to gather (together), to accumulate; to dam up	cronn-
crosio	to crochet	crosi-
crychu	to wrinkle, to crimp	crych-
crygu	to stammer, to grow hoarse	cryg-
cuddio rhag	to hide from
cwmpasu	to encompass, to circumscribe	cwmpas-
cwnnu	to raise, to put up, to rise (= codi, o cychwynnu) (De-ddwyrain Cymru)
cwrcwd	to squat, to crouch	cwrcyd-, cyrcyd-
cydlynu	to cohere, to stick or cling together, to form a whole	cydlyn-
cydweithredu	to co-operate	cydweithred-
cydymffurfio	to conform	cydymffurfi-
cyfannu	to make whole or entire, to unite, to integrate	cyfann-
cyfanwerthu	to sell wholesale	cyfanwerth-
cyfeddach	to carouse (b) [unusually, this verbnoun is feminine]; carousal
cyfeilio	to accompany (with music)	cyfeili-
cyflyru	to condition	cyflyr-
cyfodi	(form of codi) to lift, to rise, to raise	cyfod-
cyfosod	to place together, to juxtapose, to combine	cyfosod-
cyfrodeddu	to intertwine, to twist together	cyfrodedd-
cyfrwyo	to saddle (horse)	cyfrwy-
cyffesu	to confess (especially religiously)	cyffes-
cyhwfan	to wave, to flutter, to heave	cyhwfan-
cylchdroi	to rotate, to revolve	cylchdro-
cymedroli	to moderate, to temper	cymedrol-
cymodi â	to reconcile with	cymod-
Cymreigio	to make (more) Welsh	Cymreigi-
cymudo	to commute (travel)	cymud-
cymynnu	to bequeath	cymynn-
cynllwynio	to conspire	cynllwyni-
cyplysu	to couple	cyplys-
cysegru	to consecrate	cysegr-
cysodi	to type-set	cysod-
cysoni	to regularize, to harmonize	cyson-
cystuddio	to afflict	cystuddi-
cywasgu	to compress	cywasg-
c[y]weirio (S)	to mend, to put in order	cweiri-
chwerwi	to become bitter	chwerw-
chwilfriwio	to smash to pieces, to shatter	chwilfriwi-
chwyldroi	to revolutionize	chwyldro-
chwyrlïo	to whirl	chwyrlï-
dadbacio	to unpack	dadbaci-
dadlaith	to thaw [out] (De Cymru)	dadleithi-
dadlennu	to uncover, to unveil, to reveal, to expose	dadlenn-
dadrithio	to disillusion, to disenchant, to restore to original shape or form	dadrithi-
dallu	to blind, to become blind	dall-
damsang (ar)	to trample (on) (De Cymru)	damsang-
darfudo	to convect (heat in physics)	darfud-
dargludo	to conduct (electricity, heat in physics)	darglud-
dargyfeirio	to divert, to redirect, to diverge	dargyfeiri-
datganoli	to decentralize, to devolve	datganol-
datgarboneiddio	to decarbonize	datgarboneiddi-
datglymu	to untie	datglym-
datgoedwigo	to deforest	datgoedwig-
datgomisiynu	to decommission	datgomisiyn-
datgymalu	to dislocate, to disjoint, to take to pieces, to disassemble	datgymal-
datsgriwio	to unscrew	datsgriwi-
dedfrydu	to sentence (in court)	dedfryd-
deddfu	to legislate, to enact, to decree	deddf-
dengid	(= dianc) to escape (Gogledd Cymru)	dihang-
deigrynnu	to shed tears	deigrynn-
delfrydu	to idealize	delfryd-
deor	to hatch (egg etc.), to hatch out; to brood, to incubate	deor-
deud	(= dweud) to say (Gogledd Cymru)
diarddel	to expell, to excommunicate, to disown	diarddel-
diarfogi	to disarm	diarfog-
diasbedain	to resound	diasbed-
dichon	(= gallu) to be able (formal)	dichon-
diddyfnu	to wean	diddyfnu-
diengyd	(= dianc) to escape (Gogledd Cymru)	dihang-
difrïo	to revile, to denigrate, to disparage	difrï-
difwyno	to spoil, to mar, to defile, to pollute	difwyn-
differu	to differentiate (calculus)	differ-
diffygdalu	to default (on debt repayment)	diffygdal-
digolledu	to recompense, to indemnify, to compensate	digolled-
diheintio	to disinfect	diheinti-
dihoeni	to languish, to pine, to fade away, to wither	dihoen-
dihysbyddu	to drain (liquid from), to empty, to exhaust	dihysbydd-
dinoethi	to strip, to make bare	dinoeth-
diosg	to take off (clothes / shoes), to undress, to strip; to divest, to cast off	diosg-
diota	to imbibe, to booze, to tipple
diraddio	to degrade; to dismiss	diraddi-
dirprwyo	to deputize, to appoint a deputy; to act as a delegate, deputy or representative	dirprwy-
distewi	to be, keep or become silent, to silence, to hush	distaw-
distrywio	to destroy	distrywi-
distyllu	to distil, to drip, to fall in drops	distyll-
diweddu	to end, to conclude, to finish	diwedd-
diwydianeiddio	to industrialize	diwydianeiddi-
dodwy	to lay eggs	dodw-
dogfennu	to document	dogfenn-
dreifio	to drive	dreifi-
dryllio	to break to pieces, to shatter, to wreck	drylli-
dweud y drefn wrth rywun	to tell someone off
dyddodi	to deposit (layer of sediment, fat), to precipitate	dyddod-
dyfeisio	to invent, to devise	dyfeisi-
dyfnhau	to deepen	dyfnha-
dyfrio	to water, to irrigate	dyfri-
dylunio	to design	dyluni-
dylynu wrth	to adhere to, to cling to	dylyn-
dynesu	to approach, to draw near, to come nearer	dynes-
echdynnu	to extract	echdynn-
eilio	to plait, to braid, to interweave; to compose (song or poetry)	eili-
eilio	to second	eili-
eilunaddoli	to idolise	eilunaddol-
eneinio	to anoint	eneini-
enllibio	to slander, to malign	enllibi-
eplesu	to ferment	eples-
euogfarnu	to convict, to find guilty	euogfarn-
euro	to gild	eur-
ewyllysio (i)	to will	ewyllysi-
ewynnu	to foam	ewynn-
ffansïo	to fancy	ffansï-
ffieiddio	to abhor, to detest, to loathe, to hate; to be digusted at, to be revolted by	ffieiddi-
ffromi	to be angry, to rage, to fume	ffrom-
ffrwtian	to splutter (also of engine)	ffrwti-
ffrwythloni	to fertilize (impregnate), to become or be fruitful	ffrwythlon-
ffyrnigo	to become angry or enraged, to grow fierce	ffyrnig-
gaeafgysgu	to hibernate	gaeafgysg-
galarnadu	to lament	galarnad-
gefeillio	to twin	gefeilli-
geirio	to express in words, to word	geiri-
gellwng	to allow to go, to let, to permit, to leave to, to release	gellyng-
glasu	to turn blue	glas-
gloddesta	to revel, to carouse, to feast; (g) revelry, carousal, feasting
glynu (at)	to stick (to), to glue	glyn-
godinebu	to commit adultery, to fornicate	godineb-
goddiweddyd	to catch up with, to catch fugitive, to overtake	goddiwedd-
gogoneddu	to glorify, to extol	gogonedd-
gohebu	to report, to correspond	goheb-
goleddfu	to slope, to slant; to modify (in grammar)	goleddf-
goresgyn	to gain possession of; to overcome, to defeat	goresgyn-
gori	to brood, to sit on eggs	gor-
gorlenwi	to overfill	gorlanw-, gorlenw-
gorweithio	to overwork, to cause to overwork	gorweithi-
gorwneud	to overdo, to exaggerate
graeanu	to grit (road etc.), to spread gravel over	graean-
grilio	to grill (food)	grili-
grymuso	to strengthen	grymus-
gwamalu	to be frivolous, to waver	gwamal-
gwangalonni	to lose heart, to become discouraged; to discourage	gwangalonn-
gwarafun (i)	to forbid, to prohibit; to prevent, to hinder, to deny; to begrudge, to resent	gwarafun-
gwarantu	to guarantee (a product etc. by agreement)	gwarant-
gwastatu	to level, to make level or even	gwastat-
gwawrio	to dawn	gwawri-
gwelwi	to grow pale	gwelw-
gwersylla	to camp	gwersyll-
gweu	to weave, to knit	gwe-
gweud	to say (= dweud) (De Cymru)	gwed-
gwledda	to feast, to revel	gwledd-
gwreichioni	to spark, to emit sparks	gwreichion-
gwrteithio	to fertilize (with manure, compost etc.)	gwrteithi-
gwrthdystio	to protest, to remonstrate; to give counter-evidence	gwrthdysti-
gwrthryfela	to rebel, to revolt	gwrthryfel-
gwrychio	to bristle	gwrychi-
gwyngalchu	to whitewash	gwyngalch-
hadu	to sow, to produce seed	had-
haeru	to insist, to assert, to allege	haer-
halltu	to salt	hallt-
hamddena	to spend time at leisure, to relax, to take respite	hamdden-
haneru	to halve	haner-
hunanasesu	to self-assess; self-assessment	hunanases-
imiwneiddio	to immunize	imiwneiddi-
impio	to graft; to implant; to (cause to) bud / sprout	impi-
inswleiddio	to insulate (in a technical sense)	inswleiddi-
integru	to integrate (calculus)	integr-
israddio	to downgrade, to demote	israddi-
labelu	to label	label-
llabyddio	to stone (cast stones at)	llabyddi-
llaesu	to slacken	llaes-
llafnrolio	to rollerblade	llafnroli-
llafurio	to toil, to labour, to strive	llafuri-
llanw	(=llenwi) to fill (De Cymru)	llanw-
llawenhau	to gladden, to make cheerful; to rejoice, to be cheerful	llawenha-
lleisio	to voice	lleisi-
llên-ladrata	to plagiarize	llên-ladrata-
llesgáu	to languish, to become feeble, to feel faint	llesga-
llethu	to overwhelm, to swamp, to stifle, to crush, to overpower	lleth-
llewyrchu	to shine, to give light, to gleam; to be successful	llewyrchu
llochesu	to harbour, to shelter	lloches-
lloffa	to glean	lloff-
lluniadu	to draw (in a technical sense)	lluniad-
llurgunio	to distort (facts, the truth), to mangle, to disfigure, to corrupt	llurguni-
llwydo	to turn grey, to go mouldy	llwyd-
llwyfannu	to stage (theatrical or musical performance); to appear on stage	llwyfann-
llwyo	to spoon out, to ladle out	llwy-
llyfnhau	to make smooth, to level, to polish	llyfnha-
llyfnu	to harrow; to smooth	llyfn-
llythyru	to correspond by letter, to write letters	llythyr-
maglu	to snare, to trap	magl-
magu pwysau	to put on weight
malurio	to smash (to bits), to pulverize	maluri-
manwerthu	to retail	manwerth-
marchogaeth	to ride a horse	marchog-
martsio	to march (to make a marching movement)	martsi-
masnachu	to trade	masnach-
medi	to reap, to harvest	med-
meddalu	to soften, to become soft	meddal-
meddyginiaethu	to medicate, to treat medically	meddyginiaeth-
meiddio	to dare, to venture, to presume	meiddi-
meindio	to mind, to care	meindi-
meintoli	to quantify	meintol-
meiriol	to thaw, to melt	meiriol-
melynu	to become yellow; to make yellow or golden	melyn-
melysu	to sweeten	melys-
melltithio	to put a curse on, to curse	melltithi-
mercheta	to chase wowen, to womanise, to flirt	merchet-
merlota	to go pony trekking
methdalu	to be bankrupt, to be insolvent; bankruptcy	methdal-
mewnfudo	to immigrate	mewnfud-
moduro	to motor, to drive	modur-
modylu	to modulate (in physics)	modyl-
moelyd	to overturn (turn vehicle etc. upside down), to topple (De Cymru) (from "ymhoelyd")	moel-
moli	to praise (in worship / adulation)	mol-
morgeisio	to mortgage	morgeisi-
morio	to voyage by sea, to sail	mori-
morthwylio	to hammer	morthwyli-
mudferwi	to simmer	mudferw-
mudo	to move, to migrate, to move something from one place to another	mud-
nadu	to prevent, to hinder, not to allow	nad-
naddu	to shape with a sharp tool, to chip (at), to hew, to whittle, to trim, to carve	nadd-
negyddu	to negate	negydd-
nodweddu	to characterize, to be characteristic of, to distinguish	nodwedd-
nychu	to become weak or feeble, to waste away, to pine; to make weak, to enfeeble	nych-
nyddu	to spin (wool, yarn), to wind, to twist	nydd-
odi	to snow (Gogledd-ddwyrain Cymru)	od-
odli	to rhyme	odl-
olynu	to succeed, to follow (in succession)	olyn-
optimeiddio	to optimize	optimeiddi-
paldaruo	to talk nonsense, to blather (Gogledd Cymru)	paldaru-
parablu	to utter, to say, to speak, to babble	parabl-
parlysu	to paralyse	parlys-
paru	to pair	par-
pasteureiddio	to pasturize	pasteureiddi-
peillio	to pollinate	peilli-
perffeithio	to perfect	perffeithi-
picedu	to picket	piced-
pilio	to peel	pili-
piltran	to potter about, to fiddle (Gogledd Cymru)	piltr-
pistyllio ['r glaw]	to pour with rain	pistilli-
plagio	to plague, to afflict, to annoy, to pester	plagi-
pledio	to plead (in law), to offer as excuse or justification	pledi-
plicio	to peel, to pluck (feathers), pluck stringed instrument	plici-
plisgo	to shell, to peel, to exfoliate	plisg-
plismona	to police, policing
plymio	to dive, to dip, to sound (for depth), to plunge (into); to plumb	plymi-
poblogeiddio	to popularize	poblogeiddi-
pontio	to bridge, to span	ponti-
portreadu	to portray, to represent	portread-
prinhau	to become scarce, to diminish; to make scarce, to restrict, to curtail	prinha-
priodoli	to attribute, to ascribe	priodol-
prisio	to price; pricing	prisi-
puro	to purify, to refine	pur-
pwrcasu	to purchase	pwrcas-
pwyllgora	to hold, frequent or attend committees
recriwtio	to recruit	recriwti-
rhacanu	to rake (De Cymru)	rhacan-
rhagdalu	to prepay	rhagdal-
rhagfynegi	to predict (in a technical sense)	rhagfyneg-
rhaglennu	to program; programming	rhaglenn-
rhamantu	to romance; to romanticize	rhamant-
rhechain	to fart	rhech-
rhefru	to babble, to rant, to scold, to complain	rhefr-
rheibio	to seize by force, to ravage, to plunder; to bewitch, to cast a spell on	rheibi-
rheoleiddio	to regulate (control indirectly through rules, processes or effects)	rheoleiddi-
rhicio	to score (a scratch or notch), to notch, to groove	rhici-
rhincian dannedd	to gnash / to grind teeth (especially from rage)	rhinci-
rhoid	(= rhoi) to give, to put, to place (Gogledd Cymru)	rhodd-, rhoi-
rhwydo	to net	rhwyd-
rhychu	to crumple, to crease, to wrinkle, to become rumpled; to cut trenches / furrows / grooves	rhych-
rhyfela	to wage war, to war	rhyfel-
rhynnu	to suffer from cold, to freeze; to cause to be freezing cold	rhynn-
saernïo	to fashion, to construct, to build (as an artisan; also figuratively)	saernï-
samplu	to select or capture samples (in a technical sense)	sampl-
sarnu	to trample on, to spoil, to spill	sarn-
sboncio	to bounce, to spring	sbonci-
sbrotian	to rummage, to nose about	sbroti-
seboni	to soap, to lather; to soft-soap, to flatter	sebon-
segura	to idle, to laze	segur-
sengi (ar)	to tread (on), to trample on	sang-
Seisnigo	to Anglicize	Seisnig-
selio	to seal	seli-
serennu	to shine like a star, to sparkle, to twinkle, to shine brilliantly, to dazzle	serenn-
sganio	to scan (in a technical sense e.g. with a machine)	scani-
sglefrfyrddio	to skateboard	sglefrfyrddi-
sglefrolio	to roller skate, to rollerblade	sglefroli-
sgleinio	to gleam, to shine (be or make shiny), to polish	sgleini-
sgrinio	to screen (for disease etc.)	sgrini-
sgriwio	to screw	sgriwi-
sgwrio	to scour (clean / polish by rubbing), to purge	sgwri-
siffrwd	to make a rustling sound, to shuffle (cards etc.)	siffryd-
sleifio	to wriggle, to steal past, to slink, to creep	sleifi-
sleisio	to slice	sleisi-
smentio	to cement	smenti-
snorclo	to snorkel	snorcl-
sodro	to solder, to fix firmly in place, to place firmly	sodr-
steilio	to style	steili-
stelcian	to skulk, to stalk, to prowl, to lurk	stelci-
stido bwrw glaw	to pour with rain (Gogledd Cymru)
stilo	to iron (De Cymru)	stil-
straffaglio	to struggle	straffagli-
stryffaglio	to struggle	stryffagli-
stwna	to potter about, to fiddle about
suro	to sour	sur-
swatio	to crouch, to squat; to cuddle, to snuggle (up) in bed	swati-
sychlanhau	to dry clean	sychlanheu-, sychlanha-
syflyd	to budge, to move, to stir	syfl-
syfrdanu	to stun, to stupefy, to amaze, to astound	syfrdan-
syrffedu	to suffer from a surfeit, to feel fed up, to overindulge, to be bored stiff	syrffed-
taeru	to insist, to assert, to argue, to disagree	taer-
taflunio	to project (an image)	tafluni-
taranu	to thunder, to sound with thunder	taran-
teilwra	to tailor	teilwr-
teneuo	to thin (out), to dwindle	teneu-
tirlenwi	to landfill	tirlenw-
tonni	to undulate, to form waves, to oscillate, to surge up, to fall in waves (of hair)	tonn-
traddodi	to deliver (verdict, speech, sermon); to hand down, to hand over, to transfer	traddod-
traethu	to talk, to narrate, to relate, to speak (publicly)	traeth-
trafaelio	to travel; to labour	trafaeli-
traflyncu	to guzzle, to gobble up, to devour	traflync-
trawsgyweirio	to change key, to transpose, to modulate (in music)	trawsgyweiri-
treiglo	to mutate (grammar); to roll	treigl-
treio	to ebb, to drain away	trei-
tresio bwrw glaw	to pour (thrash) with rain
tresmasu	to trespass, to encroach, to infringe	tresmas-
troedio	to tread, to step	troedi-
trosleisio	to dub, to do a voice-over	trosleisi-
trydaneiddio	to electrify	trydaneiddi-
trydar	to tweet, to chirp, to twitter	trydar-
tryledu	to diffuse (in physics and chemistry)	tryled-
trysori	to treasure	trysor-
twrio	to rummage, to burrow (= tyrchu, turio)	twri-
tyllu	to make a hole or holes [in], to dig, to bore, to drill, to perforate	tyll-
tyrru	to pile up, to amass, to throng	tyrr-
tystio	to testify, to witness	tysti-
unioni	to straighten, to put right, to redress	union-
wado	to beat, to strike (De Cymru)	wad-
wyna	to give birth to lamb, to lamb
ymbarchuso	to make oneself respectable, to become respectable	ymbarchus-
ymbellhau (oddi wrth)	to distance oneself (from), to go further away	ymbellha-
ymdoddi	to integrate (into society); to melt, to dissolve, to merge	ymdodd-
ymdrochi	to immerse oneself (in water, or figuratively), to bathe	ymdroch-
ymdynghedu	to swear an oath, to vow, to pledge	ymdynghed-
ymddiddan	to converse, to chat, to speak	ymddiddan-
ymfudo	to emigrate, to migrate, to move (house)	ymfud-
ymgeleddu	to care for; to cherish, to succour, to provide shelter / comfort / food	ymgeledd-
ymgodymu	to wrestle, to grapple	ymgodym-
ymgolli	to lose oneself	ymgoll-
ymgreinio	to grovel, to prostrate oneself, to wallow	ymgreini-
ymgrymu	to bow, to stoop	ymgrym-
ymgyfarwyddo	to get acquainted with, to familiarise oneself with, to get used to	ymgyfarwydd-
ymgynnull	to assemble, to congregate, to gather together	ymgynull-
ymhél â rhywbeth	to be involved with something	ymheli-
ymhelaethu	to elaborate, to expand on	ymhelaeth-
ymlwybro	to make one's way, to wander	ymlwybr-
ymofyn	to seek, to desire, to want	ymofynn-
ymrafael	to differ; to disagree, to quarrel, to wrangle	ymrafael-
ymresymu	to reason, to think logically, to argue	ymresym-
ymryson	to compete, to contend, to quarrel	ymryson-
ymsefydlu	to establish oneself	ymsefydl-
ymsuddo	to sink, to submerge, to immerse oneself	ymsudd-
ymwrthod	to abstain (from), to refuse, to reject, to forsake	ymwrthod-
ysgafnhau	to lighten (load, weight)	ysgafnha-
ysglyfaethu	to prey upon, to plunder	ysglyfaeth-
ysgwyddo	to shoulder	ysgwydd-
ysigo	to sprain, to buckle (distort)	ysig-
ystreulio	to rinse	ystreuli-
ystwytho	to make or become supple	ystwyth-

submitted by HyderNidPryder to learnwelsh [link] [comments]

2024.06.08 23:17 rebekaa- Unmarried partner visa refused - possible careless caseworker

My British partner and I are not married nor have we lived together previously for two years. However, we decided to apply for the partner visa after seeing the changes in the requirements. “You’ve been in a relationship for at least 2 years when you apply but you cannot live together, for example because you’re working or studying in different places, or it’s not accepted in your culture” is listed as an acceptable condition for the visa. We have been together for almost 4 years but we could have never lived together because we were studying in different countries. He was studying in the UK and then got a job there, while I was studying in Hungary and just recently graduated. We frequently visited each other, almost every month. Of course we attached a very extensive list of documents: flight tickets, holiday bookings, chat logs, pictures together, letters from family, our cover letters, financial requirement proof, accommodation proof, language requirement proof, etc.
And then today we got a refusal letter.
The caseworker put this as an explanation for the refusal: You do not meet the eligibility relationship requirement of paragraphs E-ECP.2.1. to 2.10. You have applied for entry clearance as an unmarried partner, and you state on your Visa Application Form that you and your partner do not intend to get married once in the UK. Paragraph GEN 1.2 (iv) of Appendix FM defines an unmarried partner as “a person who has been living together with the applicant in a relationship akin to marriage or civil partnership for at least two years prior to the date of application.” You have not lived together for a minimum of two years. I am therefore not satisfied that your sponsor is your partner for the purposes of Appendix FM and that your partner is present or settled in the UK or being admitted for settlement on the same occasion as you. Consequently, I therefore your application under paragraph EC-P.1.1(d) of Appendix FM of the Immigration Rules. (E-ECP.2.1)
However, Paragraph GEN 1.2 (iv), the sentence in quotation marks is not in the Appendix FM anymore. It has been removed at the end of January after the changes I mentioned in the beginning of the post. This clearly seems like the caseworker did a neglectful job and judged our case based on an older version of the Appendix FM. (Not to mention the last sentence of their refusal doesn’t even make sense grammatically)
We are heartbroken and really do not want to wait potentially even more than 6 months to get a decision on our appeal of refusal. It just seems unfair considering this really was not our fault. Do you think filing a complaint would be a good idea? I heard some people get their refusal overturned faster this way if the caseworker made a mistake.

submitted by rebekaa- to ukvisa [link] [comments]

2024.06.08 22:45 FullWar1860 Stylist stole $1,800 worth of samples from my fashion brand

I live in CA and have a small women’s fashion brand. In our business, we make samples, or copies of garments to loan out to stylists for use in magazines, on Instagram, celebrities, etc.
I am on a website called Pullquest.net, which facilitates this process and acts like a middleman. Basically it’s a directory, and I have listings of all my samples available to borrow. Stylists can request to “pull” the samples for use in various media.
The terms on Pullquest for such use are as follows:
STYLIST is responsible for all pulled items and agrees to return them on or before the return date and in the same condition stylist received them, unless otherwise agreed upon. STYLIST agrees to use items ONLY for talent, event, or photoshoot they were pulled for, unless otherwise approved by owner. STYLIST agrees to pay the full retail price, If items are returned damaged or lost. STYLIST is subject to $25/day late fees, If items are returned late (after drop-off date), unless owner has been notified and agreed to a later return. STYLIST authorizes owner of loaned items to charge credit card on file directly for any of the above mentioned fees.
Recently a stylist borrowed 6 pieces, and has been dodging me for 6 weeks as I have repeatedly reached out to her and attempted to recoup those samples. Yesterday I learned that they are most certainly stolen, as she has a reputation in LA for doing this, and had stolen garments from dozens of other brands in the past.
I reached out to Pullquest, who tried to charge her card, which surprise surprise got denied. Pullquest representative (co founder of the company) then disclosed that the company is on the verge of bankruptcy, and too bad, they won’t cover the cost of the garments ($1,800 combined for all 6)
What can I do here? I would like to take the stylist to small claims court, but am not sure I have her address right. She is a complete scammer and would not be surprised if she gave me a fake address. Do I have any legal recourse to go after Pullquest? It seems they are violating their own terms by refusing to pay.
Thanks in advance for any advice, much appreciated.

submitted by FullWar1860 to legaladvice [link] [comments]

2024.06.08 22:32 Silver_liver The Ashtapadan ch.26/43. Gentry shows how to treat a man. Q watches

chapters 1&2
chapter 3
chapter 4
chapter 5
chapter 6
chapter 7
chapter 8
chapter 9
Chapter 10
Chapter 11
Chapter 12
Chapter 13
Chapter 14
Chapter 15
Chapter 16
Chapter 17
Chapter 18
Chapter 19
Chapter 20
Chapter 21
Chapter 22
Chapter 23
Chapter 24
Chapter 25
Sometimes it was nice to work at home, but Q decided that after the morning lecture he’d stay in the Academy to catch up with the surveillance task. Everything at his apartment reminded him of last night: Iliya’s smell, still lingering in every room, brought a suffocating wave of shame.
No, he’d be better off staying at the lecture hall for a while, even if he had to sleep in the lounge area tonight.
The report the Turk promised came with a “ding” during the class, and Q had to put it away, but the rest of the lecture his thoughts wandered back to the little file waiting for him in the incoming mail.
He mustn’t forget to put on the auglasses before opening it though, otherwise others might get suspicious like Iliya yesterday.
Iliya... Where was he by the way? He was supposed to be present at this class but probably not after his “favourite” teacher ruined everything like he always did.
No, it wasn’t time nor place to fall into this self-flagellation, he had to focus on the lecture. Perhaps later he would treat himself to a little invasion of privacy and track Iliya’s wristcomm again.
It worked.
The students uncharacteristically quickly left the lecture hall today, as if sensing their teacher’s impatience to be left alone, and didn’t bother him with any follow-ups. Usually, even if they didn’t have anything to ask about, he’d receive at least a couple of invitations to share lunch with them, especially on a fine day like this. It stung his pride a bit, but not enough to not immediately get back behind his desk, open the file and skim the report about the hound with the broken camera. Then, he remembered to put on the glasses in case some student did decide to pop in.
The report seemed incomplete though.
“Turk, aren’t hounds supposed to record footage at all times?” he asked.
The little voice immediately rang in his ears, even though his helper was on the other side of the city, “There seems to be an issue with this hound. It stopped recording a while before the camera itself got damaged.”
“Hmm... But the report says that it was the mechanical impact that broke it.”
“It was. Those malfunctions could be unrelated. Its memory could have been full so it had to stop recording.”
“I thought hounds just rewrote the data if they run out of storage... Never mind. Was its tracking working fine? I want to see its location just before the accident happened.”
A map of the city flashed before his eyes, zooming in on a narrow alley. Small dots that tracked all hounds started moving, showing their journey in and out of the bottleneck that marked the entrance to the underground transport system. The hound in question pulsed in bright red. It seemed to stop midway through the alleyway, do a little dance, then start running, stop abruptly in front of one of the walls, make a couple of laps around the block, and get back to the queue with the rest of the machines as if nothing out of the ordinary had happened.
A glitch? But hounds were supposed to complete the current objective and go to the repair facility if they got those, not dance like bees excited to share some newfound place to harvest nectar with the rest of the hive. And definitely not waste energy running around like they’re chased by someone.
Was this one chased?
By whom?
“Turk, I need camera footage from the alleyway cameras,” Q demanded. It all looked too out-of-the-ordinary to be a simple glitch.
“I’ll send the request to the system. If it gets approved, the footage will be delivered within...” the mechanical voice started.
“What do you mean, request?!” — Q was taken aback. That was definitely something new. — “I’ve never needed my requests approved. Not with my rating.”
Turk explained, apologetically, “New safety protocols list areas around transit systems as highly important for Ashtapadan security and so not accessible by just about anyone.”
“Anyone!” — he couldn’t believe it! — “I’m not “just about anyone”!”
“Your rating is not high enough to access the footage, I’m sorry,” the Turk said again. “But once you complete your latest assignment, and the new points get accounted for, it might just be enough to access all the cameras in the city.”
Q blinked once, twice.
“But I did complete my latest assignment, didn’t I?”
Sure, he hadn’t actually checked if the system had sent him the usual congratulatory letter, but then he hadn’t done it in a while. He always assumed that...
He didn’t complete the assignment?
“Alright, send the request, Turk. And sorry for the yelling.”
“It’s ok, Q, apologies accepted.”
Taking the auglassess off, the man blindly stared at the desk. The quiet but persistent static hissing that was constantly in the background of his hearing subsided and his ears were suddenly filled with the sounds of people enjoying themselves outside.
He hadn’t finished the assignment? Sure it was some technicality, right? He always did his job well.
Kicking back on the armchair, he fought the feeling of failure return.
Was he getting inadequate? Was he losing focus? Both his job and his relationships were starting to suffer because of his lack of attention.
The stream of self-doubt was suddenly interrupted by Q’s stomach that loudly announced that it also had been a victim of its owner’s negligence.
It was time for a break.
***
Not half an hour later, searching for a free spot in the winter garden, a drink and a healthy snack in hand, Q came to a halt when he heard several familiar voices behind a green fence. The one that immediately sent his heart racing was Iliya’s.
His boy must have skipped the lecture in favour of hanging out with two others: Sereen and that Newcomer.
What was her name again?
Unable to face his late night failure again, he flopped on a bench, separated from the company with the thick foliage, hidden from view.
His tired conscience reached for some way to explain the eavesdropping. But what excuses did he have, really? None, not since he had broken into the surveillance system to spy on Iliya and Sereen. Well, in for a penny...
“So I still don’t understand why I’m supposed to change my mind just because the host opened one of the three doors,” came the muffled voice of the Newcomer. “I mean, how does this fact increase my chances of winning a car?”
“HoloPoe really did your head in, didn’t he?” Sereen giggled. “It’s his favourite riddle.”
Iliya jumped in, “The one that turned out to be a hologram? How are you allowed at his lectures again?”
A pause fell, and it was impossible to tell if it was a meaningful one.
“That’s beside the point. What’s important is that he just blew my mind,” the Newcomer answered. “So, imagine you are a tv-show contestant and you are given a chance to win a car. You’re presented with three doors and are told that behind one of them is the grand prize, but the other two hide pigs.”
“Goats, Gentry,” Sereen corrected.
Gentry? Wait, that actually rang a distant bell.
“No matter,” the Newcomer continued. “So, you choose a door, but the host doesn’t open it just yet. He opens one of the other two and you see a goat there. That door was a wrong one. Now he offers you an option to choose a different door if you wish. The question is should you?”
“Of course,” Iliya said. “Isn’t it obvious?”
“What? No, not for me! How?” Gentry cried out, exasperated.
This old rationality problem confused a lot of Q’s students, too. It was easily mathematically proven though that Iliya was right, though.
“Well,” the young man started patiently. “Why do you think you shouldn’t?”
His little boy was learning so much from his teacher. Q was proud to hear some of his own explanation tricks coming out of his Iliya’s mouth.
“It’s not like you shouldn’t,” G said. “It’s just that it does nothing in my understanding. Since you’ve got two options left, the odds are 1 in 2 and they don’t change whether you swap the doors or not.”
“The odds increase,” Sereen said. “They are 2 in 3 for the other door now.”
“See! Doesn’t make any sense!” Gentry said. “How do you increase the odds just by switching to the other door post factum?”
“I don’t understand the odds either,”— Iliya’s voice was thoughtful and Q felt a little pang of jealousy at how calmly and patiently he was talking. Wasn’t he supposed to be distraught from last night, too? — “But just think: the host knows where the car was, right? Why didn’t he open the other door? To me, it says that the door had a higher probability to have a car than the one he did open.”
This was another way to look at this problem, easy to understand for non-matematically inclined minds. His little prince was very smart, indeed. How had he not noticed it before?
“Whoa,” Gentry said after a pause, voice betraying how hard the cogs turned in her head. “Sooo... it’s just about the omniscient host, right? If a random door was opened, it wouldn’t actually increase my odds in the slightest?”
“I think so,” Sereen confirmed.
An air of silent shared understanding seemed to emanate from behind the green hedge and Q couldn’t help but wonder how long these three had known each other.
“Well, why did that old jerk Poe spent an hour droning on about what Iliya explained in two sentences?” Gentry clamoured. “This actually makes sense now. Illy, I’m so happy S introduced us, you’re officially the smartest person I know in Ashtapada.”
“Ah, stop it,” Iliya drawled, clearly flattered, and Q’s heart clenched with jealousy again. He knew that inflection all too well. Iliya was accepting the compliment.
Also, Illy?
“No, really,” Gentry pressed on. “You just saved my a ton of time on my home assignment for the old fart’s class. What shall I do with all this spare time? Perhaps, take you out?”
Q thought that, knowing Sereen, she would probably be rolling her eyes hard right about at this moment, when a sudden realisation dawned on him.
Was this Gentry… hitting on his Iliya?
The familiar adorable half-giggle, half-scoff that his boy reserved for when he was flustered only confirmed his suspicions.
He was a fool to think that Iliya would be alone for long. The boy was a natural magnet for everyone, and happily accepted the well-deserved adoration that the others showered him with. If Q didn’t interfere now, he might lose him to this... this...
“Hold your horses, Gentry,” Sereen contended, with a laugh. “With your fresh Newcomer status, I doubt you can treat him to anything. And Iliya isn’t one to be satisfied with a walk in the park, is he?”
“Then perhaps, I might treat him to this?” G said.
There was a short shuffling, Iliya’s soft gasp, and then his nervous giggling.
Very similar... Too similar to...
“Well, I suppose it’s one way to a man’s heart,” S noted, voice amused.
What... What did she do? She didn’t... Did she?
“Ah, this feels nice, actually,” Iliya said, a little breathlessly.
Unable to take this anymore, Q stood up with a stomp, pulse beating in his ears, and walked around the hedge, fully expecting to see something scandalous.
The three people were sitting on the grass, sharing lunch, their bags carelessly thrown on the ground. The man’s gaze immediately met Iliya’s who went even redder and turned away, mumbling a greeting, but Gentry just nonchalantly waved a ‘Hello!’, barely taking her hand off of Iliya’s... bare foot?
“Hi, everyone,” Q managed, not sure if he was supposed tell them off or sigh with relief that nothing too... outrageous was happening. He sat to the ground, too. “Mind if I join you?”
“Sure,” Sereen said, “Though Gentry’s been a little too handsy with her new friend here.”
Iliya, crimson now, still refused to look up from the grass, face unreadable, but G’s hands returned back to his bare foot and resumed what seemed to be a gentle massage, a discarded moccasin lying nearby.
“So we’ve been discussing the three door problem, Professor,” she said, conversationally, as if she wasn’t having her way with said professor’s lover in broad daylight. “And Iliya explained the concept in a minute where Professor Poe spent an hour in vain.”
“Did he?” — Q swallowed. Why was it so mesmerising? Had he not himself caressed Iliya like this before? — “Was it the omniscient host explanation?”
“Exactly!” — Gentry laced her fingers in between her captive prince’s toes. The young man’s eyelids fluttered shut, revealing a light eyeshadow that complimented his now auburn hair. — “I failed to catch that the solution works only if there’s an intelligent agent who knows which door to open.”
She scooped a handful of cold water from the little stream nearby and poured it on the fair skin of Iliya’s foot.
He gasped a little, still wordless, and grasped the grass under his fingers in a gesture reminiscent of yesterday. Only it had been Q’s bedsheets last night.
Was he supposed to feel bitter about what he was seeing?
For some reason, looking at how his boy was enjoying himself...
Suddenly, Sereen said, “Professor Q, I just remembered that I meant to thank you for introducing me to Miriam. She reached out to me and we had a very insightful conversation. Too bad it didn’t happen earlier. But I’m thankful nevertheless.”
“Mmm?” — the man dragged his eyes away from the sensual scene in front of him. “Oh, yes. Incredible woman. If it hadn’t been for her, the Academy wouldn’t be the way it is now.”
“Shame Gentry didn’t have a chance to meet her, right, G?” — the Newcomer just hummed and moved her attention to rubbing the boy’s tender sole, eliciting another soft gasp, again very familiar to Q’s ears. — “Miriam actually invited me to see her off this week. She’s finally getting her Citizen status and moving to another part of the city.”
“Is she?” Q asked, absentmindedly. His whole focus was now on how Iliya hid his head in the shoulders, eyes clouded, like he did when it was his teacher’s hands caressing him. “It would be nice of you to accompany her.”
“Want to come, too, Gentry?” Sereen insisted, clearly wanting to end this strange little display, but G innocently lifted her eyes from her hard work and took the second neglected foot to her lap to give it the same treatment, swiftly pulling the other shoe off.
Iliya didn’t seem to mind, still not meeting Q’s gaze though.
Why wasn’t he jealous?
Was he so adamant to give his wronged lover some space that the scene didn’t stir any contempt in Q’s heart, let alone make him see red?
Was he just respectful of Iliya’s wishes, or was seeing him take this oddly sensuous yet innocent pleasure at the hands of another make Q feel things, too?
“I’d love to. I’ve only arrived last month, it’d be great to meet more real Citizens,” G said with a smile. “Are you coming, Teach?”
“I might,” Q said, distractedly, noticing the little pun that might just have been intentional. Had G noticed that he was... spellbound?
“Great, then we’ll be coming together,” the Newcomer said with a broad smile, digging her thumbs into the ball of Iliya’s foot and eliciting a little pathetic groan from the boy who immediately covered his pretty mouth with the hand that wasn’t digging into the grass.
Was she laughing at Q? Was she showing off what she could do with his boyfriend?
No, he was imagining things. Gentry had no way of knowing they’d been...
It was probably just how she was.
Cheeky.
But apparently very good with her hands.
“Right,” Q said, finally looking back at Sereen, who seemed to be at a loss for what was happening. She must have noticed it, too, then, not that it was hard to. “I’ll get going. Have to prepare for the next lecture.”
It wasn’t until he settled back at his desk again that he remembered what G had just said. She arrived last month... And he tested a candidate... last month. The candidate’s nickname was G...
Could it have been Gentry? So if she had passed the test, and was invited to Ashtapada, how come his assignment wasn’t completed?
“Turk,” he demanded again, this time failing to remember to put on the auglasses. “I need complete records of the latest Newcomers to Ashtapada.”

submitted by Silver_liver to RoleReversal [link] [comments]

2024.06.08 20:20 breegeek Tax Q - Annex L Table 5B... how to declare dividend/rental income?

Hi all,
We were tax residents in Portugal for exactly 1 month last year and only received a small amount of income from dividends and rental income from the US... I am trying to fill out the Annexo L form, but can't figure out how to declare these income types in tables 5A and/or 5B. I tried researching for hours and I cannot figure out how to do it... Please help!
Page 5 Income Earned Abroad
Table 5A - High Value income - I don't think this applies to us as we were not working/earning in the month of December
Table 5B Category H and Other Income Provided for in No. 12 of Article 72 of the CIRS (2020 and following years)
So here there are options for Income code, but when I translated the three options, I still have no clue what they each mean. I looked at the old-fashioned PDF for instructions and that didn't clear it up either. How would I classify a dividend income or rental income here, does anyone know?
Then there's "category A or H"... There's 0 explanation there, just the letters in the dropdown ... AH (which feels like a scream)
If anyone else has figured this out, please help! Thank you!!!
One last question... if we are a couple filing jointly, but own everything together... would we need to fill out two of these forms? Maybe this is a stupid question, but I haven't found an answer... the translated instructions seem to indicate filing two returns????

submitted by breegeek to PortugalExpats [link] [comments]

2024.06.08 17:56 Majestic_Yak1198 Did your attorney advise you legally after deposit but before paying off the bill?

The only thing my attorney said in the confirmation letter after paying the initial deposit was to stop paying credit cards and to direct any phone calls to their office. I asked about documents they would need so I could get them together, but they said I would not receive any of that information until I was fully paid. Since it took me a few months to pay it off, I might’ve done some things differently had I known. The consult just basically went over my income, how I accumulated the debt and some of the numbers. After I paid off my bill and submitted my documents, we had a phone call to fill out the paperwork, and that’s where some things were questioned. And just to make everything crystal clear and squeaky clean, I am now waiting to file. I just think a general list of what you should do and should not do before filing would have saved me time and aggravation. I mean if you’re not going to advise anything and then just file what I give you while asking me a few questions, I feel like that isn’t being a good legal advisor. Most people don’t know that much about bankruptcy. Literally if I weren’t for the sub, I would be mostly clueless on many technicalities and best practices.
What was your experience with the advising part of the process?

submitted by Majestic_Yak1198 to Bankruptcy [link] [comments]

2024.06.08 07:54 catbulliesdog Disprove This CounterDD - The Zookeeper Theory - Judge Him By his Actions

TLDR: Ryan Cohen has now sold or diluted into four straight meme squeezes, shutting them down just before, or on, the Friday OPEX they were set to explode. He's also failed to earn appropriate interest on the cash pile for multiple years in a row.
I know this post won't be popular or well received, but we've always tried to be a community focused on DD, even if it was DD we didn't initially like, and after the second straight dilution into a gamma ramp in a month, this is something we need to start looking at. I'm going to cross post this in basically every single GME sub, and I think it will be very informative to see which ones the mods take it down in. That said, I encourage all apes to refute and/or disprove my arguments in the comments, I'll edit the best and most upvoted rebuttals into the main body of this post.
I'll address the first issue first - the constant dilution. Since Ryan Cohen was elected Chairman of the Board in June of 2021, Gamestop has issued new shares intentionally three times, and unintentionally once. First was on June 9th, 2021 - the day of the earnings report. This was an issuance of 5 million shares, or 20 million shares post splividend. The company had $770.8 million in cash on hand and had just retired the final $216.4 million of long term debt - this was financed by a previous 3.5/14 million share offering. The company was losing money at this point, but finished closing out its debt and did have a sizable war chest of cash on hand. The stock was trading at a high of $282/$70.50 on Jun 7, hit $344/$86 on Jun 8 and had cascading FTD cycles indicating a run higher. The day the dilution was announced, Friday, Jun 9, the stock opened at $328/$82, and by the following Monday it closed at $211/$52.75. The dilution was announced heading into a Friday, and the squeeze was stopped.
The next dilution was apparently unintentional - the stock split via dividend (splividend). The splividend was long awaited by apes as a supposed kill shot on the short hedge funds (SHF). It was announced on July 6, 2022 and occurred on July 22, 2022. Accompanying the splividend was an increase in the size of the GME shelf (shares the company could sell into the market without stockholder votes of approval) to 1 billion shares. However, the stock-as-dividend was issued on July 18th, and trading began on a split adjusted basis on July 22nd. Because these dates were separated by four days, the DTCC was able to instruct brokers to handle this as a regular split, rather than requiring shares to be distributed as a dividend, thus effectively creating an additional 225 million short shares that never had to be borrowed or located. This is the point where we began to see the T+35 FTD cycles time out and lose amplitude. Mike Recupero, then CFO was fired July 7 of 2022, supposedly for messing up the splividend filing in a way that allowed shorts to not only evade consequences, but actually benefit from it. Recupero is now a high level executive at Amazon, if it was a mistake and not on purpose, he sure must interview well. If it wasn't a mistake, you have to ask who gave the order?
Next up we have the whole fiasco with the BoBBY stock. This is the point where I began to become suspicious of Cohen, when he fired off an angry letter to the BoBBY board for not communicating with him after he purchased a large stake in the company, all the while he was not, and still has not, communicated with apes, who own a much larger % of GME than he did of BoBBY. Just in my personal experience, every hypocrite of this level I've met has been a deeply self-centered/selfish and untrustworthy person, YMMV. On August 17th, 2022, BoBBY stock went up to a high of $23.08 during an FTD cycle, then on Thursday, August 18th Cohen dumped his entire stake, causing the price to tank to $11.03 on Friday, August 19th, killing the squeeze. The company never recovered and went out of business several months later - in part due to what can only be described as "alleged" executive malfeasance.
Cut to May of 2024, the company just had a fully profitable year, but is trading around a price of $10. GME spikes to 80 twice in premarket on Tuesday, the 14th, and on Thursday, May 16th trades in a range of 27.59 to 35.24. Before options strikes were added on both Tuesday and Wednesday the highest strike available that week was $30. There is a huge gamma ramp built up... and on the morning of Friday, May 17th, GME does an out of nowhere 45 million share offering - coincidentally just what Jim Cramer was publicly asking for the day before. The stock trades in a range of $19.70 to $22.41, the gamma ramp and squeeze are killed.
Now we're up to today, June 7th, 2024. The stock is squeezing again, there's a huge gamma ramp, shorts are freaking out and begging for a share issuance, GME hits $67 in After Hour trading on June 6th... and out of nowhere, Cohen announces a share offering of 75 million shares pre-market, an amount of shares equal to the amount we've collectively managed to DRS over three years. The stock trades in a range of $48 to $26.12, the gamma ramp and squeeze are killed. Again.
There's an old line that you've probably heard before:
https://preview.redd.it/slmki97mda5d1.png?width=3840&format=png&auto=webp&s=20c0caf37cf149b0952c92de2ca6c53ea01b0d8d
We're looking at, depending how you count here, 3-5 times Cohen has taken direct action with personal sales or share offerings to kill a stock squeeze or gamma ramp, and EVERY SINGLE TIME he's done it its been on a Thursday or Friday to maximize the gain for call sellers and hedge funds and maximize the losses for retail traders and shareholders.
Now, we get to the more complex and far more damning evidence: GME's Net Interest Income (NII) over the last few years. It's not where it should be, to the tune of hundreds of millions of dollars of lost revenue.
To put all this in context, according to the 8-K filed this morning, GME had, for the 13 weeks ending on May 4, 2024, NII of -14.9million. They also had Cash, Cash Equivalents, and Marketable Securities (CCEM) of $1.083b for that quarter. The 3-month/13 week T-Bill during this time paid 5.25% APY, which would have earned them $14.2m in interest income over that time period. So what the hell did a company with zero long term debt spend $29.1m in interest on over 13 weeks?
There's really only two explanations for this: the company is being horrifically bad with financial management, or, more likely, they're not even putting the cash pile into 3 month treasuries. But maybe they really need the liquidity and can't do the week to week rolling treasury plan like Buffet does with his cash pile (you spend 1/13th of your cash on 3 month t-bills every week, so you've always got cash coming up every week, but the 3month is one of the most liquid assets on earth already) then you've still got the option of using a corporate money market account (this is like a checking account for corporations where the account pays the 3 month rate - .5 or 1% or something and just puts the money you give them in 3month tbills) and you'd still earn like 11.5m/q.
Look, you remember how GME had a whole bunch of ^thisclose to profitable earnings Q's last year? Almost all of them would have been profitable if the company had just earned easy peasy interest money on their cash pile. You can make all kinds of arguments for why GameStop hasn't used the billion+ they've generated and sat on via share offerings to make acquisitions or investments. There's literally no reason as to why they're not taking advantage of elevated rates and just earning interest on the money while it's sitting in their accounts.
And given that they're not even using the money to collect bare bones interest revenue, there's even less reason for them to collect more of it via additional share offerings. Like, is RC trying to build a money vault to swim in or something?
https://preview.redd.it/fpaukvrqda5d1.png?width=500&format=png&auto=webp&s=eaed1c9ab83079b17b950dd7adce942dd229d20f
So, the question you're probably asking now is why? And I think the answer lies in Cohen's path to Chewy. RC famously went to, and was rejected by, over 100 Venture Capital Firms when trying to build Chewy. He got funding from one place, Blackrock. Imagine how grateful you'd be to the one group that gave you the money, the chance, that believed in you, to make your dreams come true? To make you rich beyond your wildest dreams? For RC, that group is Blackrock.
All that follows is tinfoil fueled speculation:
In 2021, the runup wasn't just Roaring Kitty and Wasabi Sub. There were big institutional players on the side of GME too, they didn't care about retail or MOASS or anything like that, they just wanted to burn their Wall Street competitors that were short. And to do that, they needed to get the other Wall Street plants out of the company and put their own guys in. Enter Ryan Cohen. Blackrock wants to burn Citadel as revenge for Tesla, so they use GameStop, and RC does them a solid, and gets to keep the company afterwards as a reward.
Then something nobody expected happened, Instinet/Nomura was in default danger, so APEX clearing turned off the buy button, and a million Apes were born. Then something even more unexpected happened, the Apes turned out to be diamond handed badass warriors from hell and responded by turning off the sell button. And we've kept it off for three and a half fucking years.
Now, as much as the wall street scum despise each other, they all hate us even more. And they had a problem, the apes were organized, we voted, we were good stockholders, we read the filings. If they tried to just kill GME like they were doing to Movies and BoBBY with plants, we'd vote out their board, and leadership, we'd already proven we could do it once.
So Blackrock turned to their boy, Ryan Cohen, and asked him to play zookeeper for the animals. His job would be hard, but it wouldn't take very long, and he could pay himself with cash when the company went down. Again, the apes fucked this plan up, we never got tired, we never got discouraged, and we never sold. In fact, we just kept buying, and pushing the board to do things to burn the shorts. They also knew that apes wouldn't support more dilution of the stock after it got voted down hard with movies. So they came up with the idea of the splividend, ordered Recupero to fuck it up, and rewarded him with a nice promotion over at Amazon afterwards. The splividend was the bait, and the 700 million share shelf left over afterwards was the hook.
And that hook has been used twice on us now, to stop explosive upwards movements in the price of the stock.
As for Cohen, he just keeps playing zookeeper. Posting meme's, making rare bold statements with no specificity and doing absolutely nothing but running the company in place like a treadmill. No vision, no action, just the promise of tomorrow.
The ape gets fed by the zookeeper, gets entertained by the zookeeper, relies on the zookeeper to keep the ape safe. But at the end of they day, even if the ape doesn't know it, the ape is in jail, and the zookeeper is his jailor.
Cohen isn't here to kill Gamestop, he's here to kill MOASS, or failing that, to make it as mild as possible. I think that's the real Kansas City Shuffle DFV was warning us about. We think we're thwarting the HF with Cohen, but really we're playing into their hands. I think all the anti-takeover provisions Cohen is putting in place are aimed not at SHF's, but at RoaringKitty, and I think the Babadook quote in the RK tweet thumbnail wasn't aimed at the shorts, it was aimed at Ryan Cohen. Remember, in Watchmen, Ozymandias and Dr. Manhattan were actually opposed to and trying to kill each other. If nothing else, ask yourself this: if Ryan Cohen is trying to build some kind of investment holding company, and he's actively searching for a CIO, why in the name of god is he not courting a guy who already owns the stock, loves the company, and turned $50,000 into hundreds of millions?
I want to take a second here and say that even if he is a plant, Cohen can't actually stop MOASS, every time he kill shots a squeeze or gamma ramp with an offering like he did in May, or again on Jun 7, GME ends up with a much bigger cash pile, which raises the floor. Before the May run-up I put the company's liquidation value at around $10/share - cash on hand+inventory+real estate locations - the last one is more valuable than many people think - the big fight over RadioShack's locations during their bankruptcy proved this.
After this current round of dilution is done (probably finishes between Jun 14-Jun18 based on current volumes and size of offering) I would put the liquidation value of GME at $16-18 depending on how much is raised, and that will be our new floor. There is a T+35 day on the 18th for the May 14th runup, but there is a strong chance those are being closed early with the offering. But its possible the swap rollover volume is so high it doesn't matter. Look, I truly wish I could go to the shareholders meeting next week and try to address some of this myself, but it's too late for me to be able to get away and go down there.
So I'll just ask anyone who is going, to do what you can to get some kind of comment on vision for the company, plans for use of raised funds, and a pledge to stop diluting so much. We're way too late to get official shareholder proposals added, but I will absolutely be putting some up next year specifically to stop additional dilution without shareholder approval, demand the board articulate a clear, actionable vision for the company going forward, including specific planned uses of cash reserves.
Stay safe out there apes, XXXX holder, CS 00105XXX (yes, I was one of the first 10,000 apes to set up an account there), you're all beautiful, wonderful people.
Disprove my thesis.

submitted by catbulliesdog to GME [link] [comments]

2024.06.08 07:50 catbulliesdog Disprove This CounterDD - The Zookeeper Theory - Judge Him By his Actions

TLDR: Ryan Cohen has now sold or diluted into four straight meme squeezes, shutting them down just before, or on, the Friday OPEX they were set to explode. He's also failed to earn appropriate interest on the cash pile for multiple years in a row.
I know this post won't be popular or well received, but we've always tried to be a community focused on DD, even if it was DD we didn't initially like, and after the second straight dilution into a gamma ramp in a month, this is something we need to start looking at. I'm going to cross post this in basically every single GME sub, and I think it will be very informative to see which ones the mods take it down in. That said, I encourage all apes to refute and/or disprove my arguments in the comments, I'll edit the best and most upvoted rebuttals into the main body of this post.
I'll address the first issue first - the constant dilution. Since Ryan Cohen was elected Chairman of the Board in June of 2021, Gamestop has issued new shares intentionally three times, and unintentionally once. First was on June 9th, 2021 - the day of the earnings report. This was an issuance of 5 million shares, or 20 million shares post splividend. The company had $770.8 million in cash on hand and had just retired the final $216.4 million of long term debt - this was financed by a previous 3.5/14 million share offering. The company was losing money at this point, but finished closing out its debt and did have a sizable war chest of cash on hand. The stock was trading at a high of $282/$70.50 on Jun 7, hit $344/$86 on Jun 8 and had cascading FTD cycles indicating a run higher. The day the dilution was announced, Friday, Jun 9, the stock opened at $328/$82, and by the following Monday it closed at $211/$52.75. The dilution was announced heading into a Friday, and the squeeze was stopped.
The next dilution was apparently unintentional - the stock split via dividend (splividend). The splividend was long awaited by apes as a supposed kill shot on the short hedge funds (SHF). It was announced on July 6, 2022 and occurred on July 22, 2022. Accompanying the splividend was an increase in the size of the GME shelf (shares the company could sell into the market without stockholder votes of approval) to 1 billion shares. However, the stock-as-dividend was issued on July 18th, and trading began on a split adjusted basis on July 22nd. Because these dates were separated by four days, the DTCC was able to instruct brokers to handle this as a regular split, rather than requiring shares to be distributed as a dividend, thus effectively creating an additional 225 million short shares that never had to be borrowed or located. This is the point where we began to see the T+35 FTD cycles time out and lose amplitude. Mike Recupero, then CFO was fired July 7 of 2022, supposedly for messing up the splividend filing in a way that allowed shorts to not only evade consequences, but actually benefit from it. Recupero is now a high level executive at Amazon, if it was a mistake and not on purpose, he sure must interview well. If it wasn't a mistake, you have to ask who gave the order?
Next up we have the whole fiasco with the BoBBY stock. This is the point where I began to become suspicious of Cohen, when he fired off an angry letter to the BoBBY board for not communicating with him after he purchased a large stake in the company, all the while he was not, and still has not, communicated with apes, who own a much larger % of GME than he did of BoBBY. Just in my personal experience, every hypocrite of this level I've met has been a deeply self-centered/selfish and untrustworthy person, YMMV. On August 17th, 2022, BoBBY stock went up to a high of $23.08 during an FTD cycle, then on Thursday, August 18th Cohen dumped his entire stake, causing the price to tank to $11.03 on Friday, August 19th, killing the squeeze. The company never recovered and went out of business several months later - in part due to what can only be described as "alleged" executive malfeasance.
Cut to May of 2024, the company just had a fully profitable year, but is trading around a price of $10. GME spikes to 80 twice in premarket on Tuesday, the 14th, and on Thursday, May 16th trades in a range of 27.59 to 35.24. Before options strikes were added on both Tuesday and Wednesday the highest strike available that week was $30. There is a huge gamma ramp built up... and on the morning of Friday, May 17th, GME does an out of nowhere 45 million share offering - coincidentally just what Jim Cramer was publicly asking for the day before. The stock trades in a range of $19.70 to $22.41, the gamma ramp and squeeze are killed.
Now we're up to today, June 7th, 2024. The stock is squeezing again, there's a huge gamma ramp, shorts are freaking out and begging for a share issuance, GME hits $67 in After Hour trading on June 6th... and out of nowhere, Cohen announces a share offering of 75 million shares pre-market, an amount of shares equal to the amount we've collectively managed to DRS over three years. The stock trades in a range of $48 to $26.12, the gamma ramp and squeeze are killed. Again.
There's an old line that you've probably heard before:

Once is happenstance, Twice is coincidence, Three times is enemy action.

We're looking at, depending how you count here, 3-5 times Cohen has taken direct action with personal sales or share offerings to kill a stock squeeze or gamma ramp, and EVERY SINGLE TIME he's done it its been on a Thursday or Friday to maximize the gain for call sellers and hedge funds and maximize the losses for retail traders and shareholders.
Now, we get to the more complex and far more damning evidence: GME's Net Interest Income (NII) over the last few years. It's not where it should be, to the tune of hundreds of millions of dollars of lost revenue.
To put all this in context, according to the 8-K filed this morning, GME had, for the 13 weeks ending on May 4, 2024, NII of -14.9million. They also had Cash, Cash Equivalents, and Marketable Securities (CCEM) of $1.083b for that quarter. The 3-month/13 week T-Bill during this time paid 5.25% APY, which would have earned them $14.2m in interest income over that time period. So what the hell did a company with zero long term debt spend $29.1m in interest on over 13 weeks?
There's really only two explanations for this: the company is being horrifically bad with financial management, or, more likely, they're not even putting the cash pile into 3 month treasuries. But maybe they really need the liquidity and can't do the week to week rolling treasury plan like Buffet does with his cash pile (you spend 1/13th of your cash on 3 month t-bills every week, so you've always got cash coming up every week, but the 3month is one of the most liquid assets on earth already) then you've still got the option of using a corporate money market account (this is like a checking account for corporations where the account pays the 3 month rate - .5 or 1% or something and just puts the money you give them in 3month tbills) and you'd still earn like 11.5m/q.
Look, you remember how GME had a whole bunch of ^thisclose to profitable earnings Q's last year? Almost all of them would have been profitable if the company had just earned easy peasy interest money on their cash pile. You can make all kinds of arguments for why GameStop hasn't used the billion+ they've generated and sat on via share offerings to make acquisitions or investments. There's literally no reason as to why they're not taking advantage of elevated rates and just earning interest on the money while it's sitting in their accounts.
And given that they're not even using the money to collect bare bones interest revenue, there's even less reason for them to collect more of it via additional share offerings. Like, is RC trying to build a money vault to swim in or something?
https://preview.redd.it/xq1hgmbqda5d1.png?width=500&format=png&auto=webp&s=7ad011eef051edc7d2d99031d3a2005ad9584690
So, the question you're probably asking now is why? And I think the answer lies in Cohen's path to Chewy. RC famously went to, and was rejected by, over 100 Venture Capital Firms when trying to build Chewy. He got funding from one place, Blackrock. Imagine how grateful you'd be to the one group that gave you the money, the chance, that believed in you, to make your dreams come true? To make you rich beyond your wildest dreams? For RC, that group is Blackrock.
All that follows is tinfoil fueled speculation:
In 2021, the runup wasn't just Roaring Kitty and Wasabi Sub. There were big institutional players on the side of GME too, they didn't care about retail or MOASS or anything like that, they just wanted to burn their Wall Street competitors that were short. And to do that, they needed to get the other Wall Street plants out of the company and put their own guys in. Enter Ryan Cohen. Blackrock wants to burn Citadel as revenge for Tesla, so they use GameStop, and RC does them a solid, and gets to keep the company afterwards as a reward.
Then something nobody expected happened, Instinet/Nomura was in default danger, so APEX clearing turned off the buy button, and a million Apes were born. Then something even more unexpected happened, the Apes turned out to be diamond handed badass warriors from hell and responded by turning off the sell button. And we've kept it off for three and a half fucking years.
Now, as much as the wall street scum despise each other, they all hate us even more. And they had a problem, the apes were organized, we voted, we were good stockholders, we read the filings. If they tried to just kill GME like they were doing to Popcorn and BoBBY with plants, we'd vote out their board, and leadership, we'd already proven we could do it once.
So Blackrock turned to their boy, Ryan Cohen, and asked him to play zookeeper for the animals. His job would be hard, but it wouldn't take very long, and he could pay himself with cash when the company went down. Again, the apes fucked this plan up, we never got tired, we never got discouraged, and we never sold. In fact, we just kept buying, and pushing the board to do things to burn the shorts. They also knew that apes wouldn't support more dilution of the stock after it got voted down hard with popcorn. So they came up with the idea of the splividend, ordered Recupero to fuck it up, and rewarded him with a nice promotion over at Amazon afterwards. The splividend was the bait, and the 700 million share shelf left over afterwards was the hook.
And that hook has been used twice on us now, to stop explosive upwards movements in the price of the stock.
As for Cohen, he just keeps playing zookeeper. Posting meme's, making rare bold statements with no specificity and doing absolutely nothing but running the company in place like a treadmill. No vision, no action, just the promise of tomorrow.
The ape gets fed by the zookeeper, gets entertained by the zookeeper, relies on the zookeeper to keep the ape safe. But at the end of they day, even if the ape doesn't know it, the ape is in jail, and the zookeeper is his jailor.
Cohen isn't here to kill Gamestop, he's here to kill MOASS, or failing that, to make it as mild as possible. I think that's the real Kansas City Shuffle DFV was warning us about. We think we're thwarting the HF with Cohen, but really we're playing into their hands. I think all the anti-takeover provisions Cohen is putting in place are aimed not at SHF's, but at RoaringKitty, and I think the Babadook quote in the RK tweet thumbnail wasn't aimed at the shorts, it was aimed at Ryan Cohen. Remember, in Watchmen, Ozymandias and Dr. Manhattan were actually opposed to and trying to kill each other. If nothing else, ask yourself this: if Ryan Cohen is trying to build some kind of investment holding company, and he's actively searching for a CIO, why in the name of god is he not courting a guy who already owns the stock, loves the company, and turned $50,000 into hundreds of millions?
I want to take a second here and say that even if he is a plant, Cohen can't actually stop MOASS, every time he kill shots a squeeze or gamma ramp with an offering like he did in May, or again on Jun 7, GME ends up with a much bigger cash pile, which raises the floor. Before the May run-up I put the company's liquidation value at around $10/share - cash on hand+inventory+real estate locations - the last one is more valuable than many people think - the big fight over RadioShack's locations during their bankruptcy proved this.
After this current round of dilution is done (probably finishes between Jun 14-Jun18 based on current volumes and size of offering) I would put the liquidation value of GME at $16-18 depending on how much is raised, and that will be our new floor. There is a T+35 day on the 18th for the May 14th runup, but there is a strong chance those are being closed early with the offering. But its possible the swap rollover volume is so high it doesn't matter. Look, I truly wish I could go to the shareholders meeting next week and try to address some of this myself, but it's too late for me to be able to get away and go down there.
So I'll just ask anyone who is going, to do what you can to get some kind of comment on vision for the company, plans for use of raised funds, and a pledge to stop diluting so much. We're way too late to get official shareholder proposals added, but I will absolutely be putting some up next year specifically to stop additional dilution without shareholder approval, demand the board articulate a clear, actionable vision for the company going forward, including specific planned uses of cash reserves.
Stay safe out there apes, XXXX holder, CS 00105XXX (yes, I was one of the first 10,000 apes to set up an account there), you're all beautiful, wonderful people.
Disprove my thesis.

submitted by catbulliesdog to GMEJungle [link] [comments]

2024.06.08 07:49 catbulliesdog Disprove This CounterDD - The Zookeeper Theory - Judge Him By his Actions

TLDR: Ryan Cohen has now sold or diluted into four straight meme squeezes, shutting them down just before, or on, the Friday OPEX they were set to explode. He's also failed to earn appropriate interest on the cash pile for multiple years in a row.
EDIT: First counter-DD added at bottom.
I know this post won't be popular or well received, but we've always tried to be a community focused on DD, even if it was DD we didn't initially like, and after the second straight dilution into a gamma ramp in a month, this is something we need to start looking at. I'm going to cross post this in basically every single GME sub, and I think it will be very informative to see which ones the mods take it down in. That said, I encourage all apes to refute and/or disprove my arguments in the comments, I'll edit the best and most upvoted rebuttals into the main body of this post.
I'll address the first issue first - the constant dilution. Since Ryan Cohen was elected Chairman of the Board in June of 2021, Gamestop has issued new shares intentionally three times, and unintentionally once. First was on June 9th, 2021 - the day of the earnings report. This was an issuance of 5 million shares, or 20 million shares post splividend. The company had $770.8 million in cash on hand and had just retired the final $216.4 million of long term debt - this was financed by a previous 3.5/14 million share offering. The company was losing money at this point, but finished closing out its debt and did have a sizable war chest of cash on hand. The stock was trading at a high of $282/$70.50 on Jun 7, hit $344/$86 on Jun 8 and had cascading FTD cycles indicating a run higher. The day the dilution was announced, Friday, Jun 9, the stock opened at $328/$82, and by the following Monday it closed at $211/$52.75. The dilution was announced heading into a Friday, and the squeeze was stopped.
The next dilution was apparently unintentional - the stock split via dividend (splividend). The splividend was long awaited by apes as a supposed kill shot on the short hedge funds (SHF). It was announced on July 6, 2022 and occurred on July 22, 2022. Accompanying the splividend was an increase in the size of the GME shelf (shares the company could sell into the market without stockholder votes of approval) to 1 billion shares. However, the stock-as-dividend was issued on July 18th, and trading began on a split adjusted basis on July 22nd. Because these dates were separated by four days, the DTCC was able to instruct brokers to handle this as a regular split, rather than requiring shares to be distributed as a dividend, thus effectively creating an additional 225 million short shares that never had to be borrowed or located. This is the point where we began to see the T+35 FTD cycles time out and lose amplitude. Mike Recupero, then CFO was fired July 7 of 2022, supposedly for messing up the splividend filing in a way that allowed shorts to not only evade consequences, but actually benefit from it. Recupero is now a high level executive at Amazon, if it was a mistake and not on purpose, he sure must interview well. If it wasn't a mistake, you have to ask who gave the order?
Next up we have the whole fiasco with the BoBBY stock. This is the point where I began to become suspicious of Cohen, when he fired off an angry letter to the BoBBY board for not communicating with him after he purchased a large stake in the company, all the while he was not, and still has not, communicated with apes, who own a much larger % of GME than he did of BoBBY. Just in my personal experience, every hypocrite of this level I've met has been a deeply self-centered/selfish and untrustworthy person, YMMV. On August 17th, 2022, BoBBY stock went up to a high of $23.08 during an FTD cycle, then on Thursday, August 18th Cohen dumped his entire stake, causing the price to tank to $11.03 on Friday, August 19th, killing the squeeze. The company never recovered and went out of business several months later - in part due to what can only be described as "alleged" executive malfeasance.
Cut to May of 2024, the company just had a fully profitable year, but is trading around a price of $10. GME spikes to 80 twice in premarket on Tuesday, the 14th, and on Thursday, May 16th trades in a range of 27.59 to 35.24. Before options strikes were added on both Tuesday and Wednesday the highest strike available that week was $30. There is a huge gamma ramp built up... and on the morning of Friday, May 17th, GME does an out of nowhere 45 million share offering - coincidentally just what Jim Cramer was publicly asking for the day before. The stock trades in a range of $19.70 to $22.41, the gamma ramp and squeeze are killed.
Now we're up to today, June 7th, 2024. The stock is squeezing again, there's a huge gamma ramp, shorts are freaking out and begging for a share issuance, GME hits $67 in After Hour trading on June 6th... and out of nowhere, Cohen announces a share offering of 75 million shares pre-market, an amount of shares equal to the amount we've collectively managed to DRS over three years. The stock trades in a range of $48 to $26.12, the gamma ramp and squeeze are killed. Again.
There's an old line that you've probably heard before:
https://preview.redd.it/jmhrjnb7z95d1.png?width=3840&format=png&auto=webp&s=2cc9d7c87e2fbc18aad55d4d4bb92eaca71be35c
We're looking at, depending how you count here, 3-5 times Cohen has taken direct action with personal sales or share offerings to kill a stock squeeze or gamma ramp, and EVERY SINGLE TIME he's done it its been on a Thursday or Friday to maximize the gain for call sellers and hedge funds and maximize the losses for retail traders and shareholders.
Now, we get to the more complex and far more damning evidence: GME's Net Interest Income (NII) over the last few years. It's not where it should be, to the tune of hundreds of millions of dollars of lost revenue.
To put all this in context, according to the 8-K filed this morning, GME had, for the 13 weeks ending on May 4, 2024, NII of -14.9million. They also had Cash, Cash Equivalents, and Marketable Securities (CCEM) of $1.083b for that quarter. The 3-month/13 week T-Bill during this time paid 5.25% APY, which would have earned them $14.2m in interest income over that time period. So what the hell did a company with zero long term debt spend $29.1m in interest on over 13 weeks?
There's really only two explanations for this: the company is being horrifically bad with financial management, or, more likely, they're not even putting the cash pile into 3 month treasuries. But maybe they really need the liquidity and can't do the week to week rolling treasury plan like Buffet does with his cash pile (you spend 1/13th of your cash on 3 month t-bills every week, so you've always got cash coming up every week, but the 3month is one of the most liquid assets on earth already) then you've still got the option of using a corporate money market account (this is like a checking account for corporations where the account pays the 3 month rate - .5 or 1% or something and just puts the money you give them in 3month tbills) and you'd still earn like 11.5m/q.
Look, you remember how GME had a whole bunch of ^thisclose to profitable earnings Q's last year? Almost all of them would have been profitable if the company had just earned easy peasy interest money on their cash pile. You can make all kinds of arguments for why GameStop hasn't used the billion+ they've generated and sat on via share offerings to make acquisitions or investments. There's literally no reason as to why they're not taking advantage of elevated rates and just earning interest on the money while it's sitting in their accounts.
And given that they're not even using the money to collect bare bones interest revenue, there's even less reason for them to collect more of it via additional share offerings. Like, is RC trying to build a money vault to swim in or something?
https://preview.redd.it/taw3yae3z95d1.png?width=500&format=png&auto=webp&s=0a642d3b63097c4ed33a68e1746a490c1b689c92
So, the question you're probably asking now is why? And I think the answer lies in Cohen's path to Chewy. RC famously went to, and was rejected by, over 100 Venture Capital Firms when trying to build Chewy. He got funding from one place, Blackrock. Imagine how grateful you'd be to the one group that gave you the money, the chance, that believed in you, to make your dreams come true? To make you rich beyond your wildest dreams? For RC, that group is Blackrock.
All that follows is tinfoil fueled speculation:
In 2021, the runup wasn't just Roaring Kitty and Wasabi Sub. There were big institutional players on the side of GME too, they didn't care about retail or MOASS or anything like that, they just wanted to burn their Wall Street competitors that were short. And to do that, they needed to get the other Wall Street plants out of the company and put their own guys in. Enter Ryan Cohen. Blackrock wants to burn Citadel as revenge for Tesla, so they use GameStop, and RC does them a solid, and gets to keep the company afterwards as a reward.
Then something nobody expected happened, Instinet/Nomura was in default danger, so APEX clearing turned off the buy button, and a million Apes were born. Then something even more unexpected happened, the Apes turned out to be diamond handed badass warriors from hell and responded by turning off the sell button. And we've kept it off for three and a half fucking years.
Now, as much as the wall street scum despise each other, they all hate us even more. And they had a problem, the apes were organized, we voted, we were good stockholders, we read the filings. If they tried to just kill GME like they were doing to Popcorn and BoBBY with plants, we'd vote out their board, and leadership, we'd already proven we could do it once.
So Blackrock turned to their boy, Ryan Cohen, and asked him to play zookeeper for the animals. His job would be hard, but it wouldn't take very long, and he could pay himself with cash when the company went down. Again, the apes fucked this plan up, we never got tired, we never got discouraged, and we never sold. In fact, we just kept buying, and pushing the board to do things to burn the shorts. They also knew that apes wouldn't support more dilution of the stock after it got voted down hard with popcorn. So they came up with the idea of the splividend, ordered Recupero to fuck it up, and rewarded him with a nice promotion over at Amazon afterwards. The splividend was the bait, and the 700 million share shelf left over afterwards was the hook.
And that hook has been used twice on us now, to stop explosive upwards movements in the price of the stock.
As for Cohen, he just keeps playing zookeeper. Posting meme's, making rare bold statements with no specificity and doing absolutely nothing but running the company in place like a treadmill. No vision, no action, just the promise of tomorrow.
The ape gets fed by the zookeeper, gets entertained by the zookeeper, relies on the zookeeper to keep the ape safe. But at the end of they day, even if the ape doesn't know it, the ape is in jail, and the zookeeper is his jailor.
Cohen isn't here to kill Gamestop, he's here to kill MOASS, or failing that, to make it as mild as possible. I think that's the real Kansas City Shuffle DFV was warning us about. We think we're thwarting the HF with Cohen, but really we're playing into their hands. I think all the anti-takeover provisions Cohen is putting in place are aimed not at SHF's, but at RoaringKitty, and I think the Babadook quote in the RK tweet thumbnail wasn't aimed at the shorts, it was aimed at Ryan Cohen. Remember, in Watchmen, Ozymandias and Dr. Manhattan were actually opposed to and trying to kill each other. If nothing else, ask yourself this: if Ryan Cohen is trying to build some kind of investment holding company, and he's actively searching for a CIO, why in the name of god is he not courting a guy who already owns the stock, loves the company, and turned $50,000 into hundreds of millions?
I want to take a second here and say that even if he is a plant, Cohen can't actually stop MOASS, every time he kill shots a squeeze or gamma ramp with an offering like he did in May, or again on Jun 7, GME ends up with a much bigger cash pile, which raises the floor. Before the May run-up I put the company's liquidation value at around $10/share - cash on hand+inventory+real estate locations - the last one is more valuable than many people think - the big fight over RadioShack's locations during their bankruptcy proved this.
After this current round of dilution is done (probably finishes between Jun 14-Jun18 based on current volumes and size of offering) I would put the liquidation value of GME at $16-18 depending on how much is raised, and that will be our new floor. There is a T+35 day on the 18th for the May 14th runup, but there is a strong chance those are being closed early with the offering. But its possible the swap rollover volume is so high it doesn't matter. Look, I truly wish I could go to the shareholders meeting next week and try to address some of this myself, but it's too late for me to be able to get away and go down there.
So I'll just ask anyone who is going, to do what you can to get some kind of comment on vision for the company, plans for use of raised funds, and a pledge to stop diluting so much. We're way too late to get official shareholder proposals added, but I will absolutely be putting some up next year specifically to stop additional dilution without shareholder approval, demand the board articulate a clear, actionable vision for the company going forward, including specific planned uses of cash reserves.
Stay safe out there apes, XXXX holder, CS 00105XXX (yes, I was one of the first 10,000 apes to set up an account there), you're all beautiful, wonderful people.
Disprove my thesis.
CounterDD:
Hey I asked ChatGPT and this is the counter DD:
Sure, here are three counter-arguments to the provided DD on GameStop and Ryan Cohen:

Strategic Financial Management: The dilution of shares, as managed by Ryan Cohen, could be seen as a strategic move to raise capital and strengthen the company's financial position. Despite the timing coinciding with potential squeeze moments, this approach ensures the company has sufficient funds for future growth, investments, and operational stability. The consistent increase in cash reserves and the elimination of long-term debt indicate a focus on creating a sustainable business rather than short-term stock price manipulation.
Interest Rate Misinterpretation: The criticism of GameStop's net interest income (NII) may be based on a misinterpretation of their financial strategy. Companies often need to balance liquidity with potential returns, and keeping cash readily available might outweigh the benefits of slightly higher interest earnings. Additionally, other operational costs, investments, or financial maneuvers could account for the reported interest expenses, not necessarily poor financial management.
Market Dynamics and External Factors: The stock market is influenced by a myriad of factors, and attributing the suppression of GameStop's stock price solely to Ryan Cohen's actions might oversimplify the situation. External market forces, regulatory environments, and broader economic conditions play significant roles. Moreover, the narrative suggesting Cohen's allegiance to BlackRock lacks concrete evidence and veers into speculative territory, undermining the credibility of the overall argument.

yeah, thats the basic dilution sucks but is ultimately good argument.
i didn't want to get too into the weeds on corporate finance and different strategies, but the NII is still way too low, by a ridiculous amount given the size of the cash pile relative to the short term expenses an inventory the size of GME's should be creating.
yes, that last part is speculation, and I clearly labeled it as such.

submitted by catbulliesdog to Superstonk [link] [comments]

2024.06.08 01:44 rosethruconcrete Life after bankruptcy

I recently got my discharge letter from Chapter 13 Bankruptcy. To be honest there's still nothing different lol but I do have a question out of curiosity. So I had co-sign on a car and had put that down as one of the debts, they completely stop paying because life had happened. But my life was already happening so I basically was screwed and had to file. They are still in the car and technically, the repo man never found the car because they are in the next state over but it's not by much so its not like this person doesn't come back and forth frequently. I am no longer responsible so this is more out of curiosity. At this point would there be a flag on the vehicle as being stolen since no payments have been made in over a year and half?

submitted by rosethruconcrete to Bankruptcy [link] [comments]

2024.06.07 14:00 SassaStatusCheck11 SASSA Appeal Process for March Payment dates

The South African Social Security Agency (SASSA) provides vital social grants like the Social Relief of Distress (SRD) to millions. However, some approved beneficiaries experienced issues receiving their March 2024 payment. If this happens to you, you can initiate a SASSA appeal through an official process. This comprehensive guide covers everything you need to know about the SASSA appeal process for resolving issues related to your March SASSA payment status check
Appealing an SASSA decision is your right as a beneficiary, and the process is designed to be accessible. A successful SASSA appeal ensures you receive the grant funds you're entitled to. This guide will walk you through the eligibility criteria for filing a SASSA appeal, the steps involved in the appeal process, tips for increasing your chances of a favorable outcome, and common questions about SASSA appeals.

Who Can Appeal Sassa

Any South African citizen who applied for or received the SRD grant can appeal a decision related to it. This includes if your application was rejected, the amount was incorrect, or your grant was suspended/canceled.

SASSA Appeal Process

The SASSA appeal process allows beneficiaries to challenge decisions regarding srd payments or amounts. It involves several key steps:

Notification of Rejection

When SASSA rejects your SRD grant application or discontinues an existing grant, it must provide an official notification letter explaining the reasons. This rejection notice is crucial for appealing the decision. It typically outlines the specific grounds for rejection, such as missing documentation, income exceeding the threshold, or changes in your circumstances. Ensure you receive and carefully review this notification, as it will guide you in preparing a strong appeal case to counter SASSA's rationale. Without this official rejection letter, you may find it challenging to initiate the appeal process successfully.

Filing an Appeal

Once you receive the notification of rejection from SASSA, you have a 90-day window to file an appeal. The process begins by obtaining the BI-368 appeal form from your nearest SASSA office or downloading it from their website. Complete the form meticulously, providing clear and concise explanations for why you believe SASSA's decision was incorrect. Attach supporting documentation that strengthens your case, such as proof of income, medical reports, birth certificates, or any other relevant evidence. After completing the form, submit it along with the supporting documents to the SASSA office. Ensure you receive a receipt as proof of submission to reference during follow-ups.

Review Process of Sassa Appeal

SASSA will review your appeal and evidence. They may request additional information or invite you to an appeal hearing. Respond promptly to avoid delays.

Tips for a Successful Sassa Appeal

Be clear and concise in explaining why SASSA's decision was incorrect
Provide ample supporting evidence like income statements, IDs, etc.
Follow up regularly on the status of your appeal
Consider legal assistance for complex cases

Duration of SASSA Appeal Process

The full appeal process can take several weeks or 90 days from submission to final decision. However, SASSA aims to process appeals as quickly as possible.

Pending SASSA Appeal Ahead of March Payment Dates

If your SRD appeal was pending ahead of the March payment dates, there are a few possibilities:

SASSA may pay you the March grant amount if your appeal is successful before those dates
They could pay a lump sum for March + upcoming months if delays occurred
You may need to reapply if your appeal is unsuccessful after the payment period

Some Common FAQS about the Sassa Appeal Process March

What if my appeal is unsuccessful?
You can re-appeal and provide additional evidence, or seek legal advice.
Do I need to pay to appeal?
No, the SASSA appeal process is free for all citizens.
Will I get paid during the appeal?
Not always. SASSA may continue or pause payments until the appeal is decided.

Conclusion

If your March 2024 SRD grant payment was impacted, understand that firstly, you have the right to appeal through SASSA's official channels. Secondly, follow the proper steps outlined, and provide adequate documentation to support your case. Moreover, don't hesitate to persistently follow up on the status of your appeal. Ultimately, a successful appeal will ensure you r

submitted by SassaStatusCheck11 to u/SassaStatusCheck11 [link] [comments]

2024.06.07 03:06 monkeeball Harmonic generator plugin?

So this is an engineering question that’s been on my mind as of recent while I’ve been producing: is there a plugin that can generate harmonics? Sounds like a silly question but I’ll give you my explanation and situation. I produce a lot of samples and in which I often record my instruments and then completely destroy them by pitching them, reversing them, a bunch of fx, the works. In the end sometimes I find a desired sound but at that point the actual quality of the sound is destroyed and Im left with a big muddy mess - but the essence is there and Im okay with it considering the genre. I’ll do my best and clean it up with the EQ but then sometimes there are just harmonics that are no longer present. Sometimes I wish I could just have a saw wave follow the audio file, which is possible but time consuming if its a complicated piano passage for example. I first thought of max bass because I know it just generates a sub sine wave from whatever audio it reads, but is there something that generates a higher frequency that follows?
I know distortion and saturation can add harmonics, but I’m just curious if there’s anything or any trick out there I’m missing.
Im also aware that what Im doing to the audio is creating these problems in the first place, but the sound and creative design was a priority.

submitted by monkeeball to audioengineering [link] [comments]

2024.06.07 01:51 prometheus_winced Catch-up post for new shareholders and sub members.

Hi folks. I got a lot of feedback on a recent post, and a lot of private questions, from new shareholders and new sub members, some of which can't post yet. As I was answering one question, it turned into a long answer and I thought it might help everyone who is new to get somewhat caught-up to speed. I thought I would paste that here and try to reformat it, but stay somewhat brief, hitting the most salient points. I'm going to use simple analogies and big round numbers to make it easy.
Preamble: This is no substitute for all the DD (Due Diligence) already posted over the past 3 years. Please use the DD links, sort the GME related subs by "Top - All" and read posts by the great contributors. This is one person's humble attempt to summarize. I am not giving any specific advice, and I am not a professional in any finance related capacity; I do have a graduate degree in business with a little more than average knowledge in finance, accounting, and economics. If anything here sounds like "advice" its of equal weight to any advice you would get from another non-professional like your friend or family member. This is not the greatest song in the world, this is just a tribute.

Gamestop is a video game, accessories, and general technology seller. They also sell related T-shirts, collectibles, Pokemon stuff, etc.
Hudge Funds are organizations that often place "counter bets". Basically it's easier to bet that something will fail, than to guarantee something will succeed. You can even take action to scare people or cause failure. It's hard to "scare" people into being certain a stock will go up. But if you scream "roach in the salad" the price of salad is likely to tumble.
There is conjecture — (I'm not going to claim a lot of definitive statements; I'm just going to hit the basic theory. Feel free to post links to specific data, evidence, and articles in the comments, or point to established DD) — that certain Private Equity and Consulting companies have done negative business actions on purpose. In other words, rather than help a company recover from trouble, or improve their products, they took advantage of fact 2 above, and intentionally tanked some companies.
More on how that works with Shorting below.
There is some evidence that some of those orgs managed to get their own people inserted as board members, and did things like load the company up on debt, cash out that debt as bonuses to management, liquidate assets, sell off parts of the company, and basically wring all the juice out of it. Some examples are Sears, Kmart, Toys R Us, Birdbath and Beyond, etc. I believe Ryan Cohen (GME) posted pictures on Twitter hinting at Sears (maybe others) showing a tractor knocking down the letters in the Sears sign.
If we're being very charitable, you might make the case that management knew the end was near, and it would be impossible to make the company successful, so they might as well milk it. It's important to keep in mind there are a lot of different stakeholders: Management, employees, shareholders, the consulting group, customers, and other businesses that supply to or buy from the company. Some of these choices may have benefitted management and the consultants, but harmed everyone else. You will see the term "Cellar boxing" in the DD, the idea of just punching a company down until it files for bankruptcy, usually because the stock price drops to $0 and gets de-listed from the exchange. Remember that part.
I believe this practice accelerated during and after the 2008 recession, and picked up when COVID started. Particularly as the Shorters/Shorts saw that physical locations dependent on public traffic would be hurt by the decrease in people going out in public.
Theoretically, shorts saw GameStop as ripe for a shorting. A "brick and mortar" company which could die if kids and teens' parents weren't driving them to the store, and people were saving money for necessities like toilet paper, not spending it on video games.
What is Shorting? Being "Long" is believing a share will hold value or increase in value. Presumably if you're "long" you are going to buy a share if you think it will rise in value in the future. That's an easy exchange. If you don't have any shares to be "long" with, you can just buy a share at the market price. If you're short, you can sell any shares that you own. But... how can we make this symmetrical, if you can't sell any shares that you don't own? A short creates this symmetry, the ability to enter an exchange when you don't hold any shares. If I want to short a Ford Mustang but I don't own one, I can borrow a Ford Mustang from my neighbor at $10,000 because I believe the value of Mustangs will go down. I sell that Ford Mustang for $10,000 while the market price is still high. Then my contract with the neighbor says I have to return his Ford Mustang in a week. So I'm hoping in a week, the market price of Ford Mustangs is now $6,000. I buy one at $6,000 and return it to my neighbor, and I pocket the $4,000 difference as profit. (Minus fees to borrow, but I won't introduce complications).
The thesis is that these Shorting Hedge Funds listed a Ford Mustang on Facebook Marketplace and sold it to 4 different people, but when the buyers come to collect, they only have one car. This would be a "naked short". Selling something without owning it, or having a reasonable ability to obtain those shares when required to pay them back to the lender. When you see people talking about "short interest" or "percentage of the float sold" and that number is above 100%, the implication is that someone has sold more shares than actually exist.
How can we allow this to exist!? Well, in theory, it's not inherently bad. Banks do what is called "fractional reserve banking" all the time. Let's say the bank has $100. They can lend, take payment, save your checking account, savings account, etc. But if they notice that at any given time, they only need $80 to operate, they say "Hey wait, there's $20 here we could be doing something with, because historically we've never needed all $100 at the same time. We could lend that $20 to someone, get paid interest, and share that between ourselves and our banking customers". It's like owning a gym, not every member could show up at the same time. So you should sell memberships until the observed number of people showing up starts to keep the gym full. If you don't you're letting assets go to waste. This concept can be abused. Shorting more shares than exist is possible on the theoretical basis that there's always shares and money flying around all the time, and there's rarely a time to "stop and settle all bets". As long as a firm believes they can keep running their business, they will push this edge as far as possible.
But why would someone sell more items than they believe they can obtain? This is where the de-listing and bankruptcy intersects with shorting. If a stock continues to rise (and presumably a company like that would stay in business) any gains or risks on the upside will always exist as long as the company is a going concern. But.... when a company goes out of business, or the stock is de-listed, there is nothing to repay. Let's say we move to an all-bicycle world and no one wants to buy a Ford Mustang. Then... you never have to repay the car you borrowed. So if I'm 99% sure that Sears is going out of business, I have an incentive to sell many multiples of Sears shares, because I believe it's going to go bust, and I'll never have to pay them back, so I keep all the profit I made.
What is gamma and hedging? Let's say I become an expert on knowing which cars are going down in popularity and I "short" cars all the time. No matter how many cars I borrow, sell, buy, and return to the lenders, for every 10 cars I'm making deals on I never need more than about 8 cars on hand at a time. So to limit my risk I buy and keep about 8 cars on hand, in case I do need them. This is gamma hedging. It keeps me from getting caught with zero cars and suddenly needing to buy a bunch.
The conjecture in the GME thesis is that hedge funds shorted a lot of shares that they don't actually have an ability to obtain. They thought surely GameStop was going to die. They would get to keep all their xerox copy profits. And possibly they did not fully gamma hedge the amount they should. Put a pin in this gamma hedging, this will come up later.
What they didn't count on was Ryan Cohen. RC believed "I can make this business work", and he became determined not to let it die. And Keith Gill / RoaringKitty / DeepFuckingValue believed Ryan Cohen would turn around GameStop. Depending on exactly when people started paying attention, GME was trading in the neighborhood of $4 to $5. Yes, four dollars and change. RK/DFV believed "this could go huge". If the stock even went to $40, you could 10x your money. As more people started learning about this and buying in, even people who bought in at $40 were able to sell when the price spiked to $400, also a 10x. If you were lucky enough to buy around $4 and sell around $400, you 100x'd your money.
Do some Googling on the VW squeeze. I'm not going to post a picture, just look at the images that come up from a search. It's a parabolic spike. Like this ..n...n...n...nNM^n...... Bubble, bubble, bubble, boom spike upwards. There are many articles about it. That's the best way to understand the general thesis in this case. Super short version, VW was oversold, the Porsche/VW company bought back some shares, it spiked.
Once you understand that, look at the GME ticker for January 2021. Compare that shape to the VW pictures you found. That peak in GME is when Robinhood and some other brokers grayed-out the "Buy" button, which panicked a lot of people who either couldn't buy, stopped buying, or sold in fear. Then the price dropped. We don't know what it could have reached that day without the scare.
If it's true that the SHF's never unwound their positions, then they have continued to sell fake shares. There is reason to believe all the data may be so hopelessly corrupted that there's no telling what the real short interest is. A lot of people don't believe many of the market numbers posted are accurate.
What is DRS? Direct registration is direct ownership of a share. When you go to a restaurant and make reservations, they don't slot your name on a specific table at a specific time, because they don't know the exact time the previous party will finish and leave. This is another example of fractional reserve. If a restaurant has a good sense of the time it takes to "turn tables" then they can use that average to multiple X minutes times Y people waiting, and give you an approximate wait time, or an approximate time to arrive for your reservation. Remember that shares and dollars are always flying around, with a somewhat reasonably assumption that "Oh well, if I have too many I can sell, if I don't have enough I can buy a few". But when a stock is very unusual, these normal expectations can be dangerous. Direct Registration is like putting your name and number on one specific share. It's the closest thing to having a physical piece of paper in your hand saying "This is my share". This has become incredibly rare, and most people don't actually own the shares on their brokerage's ledge. You and I may show we have "10" shares of GME, but Vanguard actually just keeps a pool of 20 shares total, and when you or I buy or sell, they settle the difference and give us our money or take our money. Direct Registration with ComputerShare (the agent for GameStop) is a 1:1 named ownership of a specific share. When you transfer from Vanguard or Fidelity to CS, Fidelity has to "locate" (have on hand or buy) N shares and transfer those N specific shares to CS where they are booked in your name. That takes them out of circulation.
Whatever amount of shares of GME are DRS's cannot be bought or sold, so the "free float" (remaining shares in the market) keeps shrinking. (You can of course sell your CS DRS's shares when you want, but this is assuming you're just holding). This is the reason behind the big push for everyone to DRS their shares to CS, to keep shrinking the pool of real shares available, making them more scarce relative to the demand SHF's have to obtain shares.
And... the majority of people who are long on GME believe they haven't seen any market evidence that the Shorter's have ever covered their positions. Indeed, it seems like they have continued to double-down, selling more fake shares.
Susan Trimbath PhD. spends a lot of time talking about FTD, which is "fails to deliver". Essentially, "Yeah, I know you bought a share from me at $X, but I don't have one to give you, sorry. Give me a few days and I'll get it to you". The fact that "FTD" is even an acceptable concept is an abuse of fractional reserve operations in my opinion. Some countries have banned FTD. If you don't have a share, you are forced to buy it at whatever the current market price and deliver the share to the buyer. That is not currently the case in the US.
What are calls? A call and a put are opposites. I'm going to focus on calls. You can pay a small price for a call, which is the contracted right to buy N amount of shares (generally 100 each) at a pre-determined price. Let's use current numbers approximately. RK/DFV buys 120,000 calls, giving him the right to purchase 12 Million shares at $20 (the agreed price) on or before the date of June 21. If the market price of the shares drops below $20, then he would never exercise those shares (in most cases, there could be an exception), but generally if you can just market buy at $18, why bother exercising the calls? (A put is the contract to sell an amount of shares at a pre-determined price before a set date).
That is what RoaringKitty's calls are about. He bought enough calls to get the right to contractually buy 12 Million shares of GME. From people with more knowledge of the market, and access to better tools (you have to pay a lot for some of these tools), it looks like all the market makers combined only have a little over 9.8 million shares combined. So there is no way they can meet his 12 million shares if he exercises those calls. (Or sells them to someone else who exercises them).
Since the price at the minute I'm typing this is $46, and his calls are for $20, if he exercised right now, he's guaranteed a $26 profit on every single one of those 12 million shares (roughly $312 Million net profit). (Or, whoever else he sells them to)
If that happens, the theory goes that the market makers will have to scramble to purchase the shares they don't have on the open market, which means buyers are in a bidding war and the price goes up. This creates a positive (moving up) cycle where the higher the share price, the more valuable the $20 calls are, which makes the market makers need those shares more, which means the price goes higher, (repeat until something breaks).
And if it's true that this is musical chairs and there's not actually as many real shares as there are supposed shares which have been sold... then that buyers' auction is essentially impossible, they will be bidding on shares that don't exist trying to close their positions.
The risk of shorting a stock is theoretically infinite, because the price of a stock can go up to "who knows". For example, I believe the highest known stock price every recorded was Berkshire Hathaway (Warren Buffett) at $610,000 per share. There's theoretically no reason GME couldn't go to $610K a share (or higher). So let's say you have 10 shares which you bought at $35 this past week. You would net about $6 Million if the share price runs up to $610,000.
Now... that's just one example, and it could even go higher, or it could peak much lower. Let me be clear that I don't know, and no one else does either. But it's at least a realistic number, being a price that someone has paid for a stock in he past.
Another way of looking at the "what if" is a percentage of movement from some established base price. Everything depends on what price you bought in, and what price you sell. But some comparisons, Overstock spiked about 968%. Tesla spiked about 67%. The Volkswagen spike was about 374%. The GME spike in 2021 was about $483 over $18, so around 2683% — and we don't know how high it could have gone without the "buy" button scare.
If GME were to spike 2683% now, (I'm looking at $49 in aftermarket at the moment) then that would be around $131,400 dollars (net gain, I'm subtracting the $49) per share. Multiply that by how many shares you bought at $49. If you want to generally play "the calculator game" just look at your "Cost Basis", or the amount that you paid for all your shares, divided by your total number of shares (you'll have to look this up, or do some spreadsheet math if you have shares spread around several brokers). Just take the current or your dream price you hope it's going to hit, subtract your CB from it, and multiply that net gain times the number of shares you own. (There could be some transaction fees based on your brokerage and how you trade. Personally, my Vanguard and Fidelity portfolios do not charge me any trade fees).
This is general knowledge to the best of my ability, and not any guarantee of results or "advice" in a professional capacity. I am an average person working a non-finance related job, though I do have a graduate degree in business and know a little more than the average bear about economics, finance, and accounting.

Of course this leaves out a ton of detail.
If people want to help with an area they are very knowledgeable on, I would suggest posting a comment with one of these numbers, and explain in more detail or provide links to good DD, past posts, YouTube videos, or memes.
If something here is fundamentally incorrect, please note the number, explain, and I will try to edit in a better explanation (Please don't nit-pick this to death. I'm just trying to get a simple explanation for new folks to start from).
If you're going to write an expanded explainer, do a thread search for that number first, and make sure someone else hasn't already written what you plan to say.
This does not touch on: The 4-for-1 split. The Wu-Tang album. NFT's. Acquisitions. The nearly $1 Billion recently raised by at-the-market shares sold. Or, GameStop's elimination of debt, and having ~ $2 Billion in cash on hand. Ryan Cohen and GameStop's agreements and plans to buy and trade securities as part of their business model.

submitted by prometheus_winced to Superstonk [link] [comments]

2024.06.07 01:41 At_my_limit2 Maxed out

*Trigger warning
*This will be a long one…sorry just getting it all out
I (40 F) have been through hell the past 13 years. I married a man who I thought was the complete package but soon found out otherwise. I had no idea what I was walking into due to living in a state where he had no past. All I could go by was what he told me. We had a baby shortly after getting married and during that pregnancy (very high risk) I lost every single friend and my own family started turning against me. He and I met in the Military. Everyone who knew me just turned on me out of the blue I was finding evidence of cheating and that’s when the financial problems started and the mental and emotional abuse started. Once I started refusing to have sex in fear of STD’s he just took it. I accused him of rape and he said I was playing hard to get.
He started doing awful things to his wife before me. Taking her to court, stalking her by her house windows at night etc. this was encouraged by his family. He put her through hell using their son as a weapon. I had been told he was in the Marines during their marriage and had told a story that just didn’t make sense but it wasn’t until he was caught in a sexual misconduct case in the Army that I knew all the gaslighting he was doing was just as I thought. It was proven in the investigation that he had over 180 affairs with men and women, was posting sex add on Craigslist in uniform with parts hanging out in his office, spending all bill and food money at sex spa’s and much more. He was thrown out. We lost everything our cars and home. We moved in with my mom.
At this point he had gotten me pregnant again through force. We had nothing, my credit was gone and my support system. He never helped with the kids finding ways to be gone all the time and even through his oldest son back at his ex-wife to raise alone with no help or support claiming I had cancer to hide the Army investigation. I had taken a break in service for mental health. Everyone knew what he had done and the harassment and embarrassment was too much. But I decided to get back in to go active for the benefits so I could run. At my new unit I started making friends and he started accusing me of cheating because he got caught again. My mom finally saw the truth and threw him out. He was stalking in the windows, threatening to kill me and the kids, threatening suicide etc. because I filed for divorce. He had strange men following me and calling me to hook up. I tried to get a restraining order but had no help to understand anything and I was so scared that I was denied. I was so scared that I took him back. But only to get my plans in order.
He then up and joined his third branch of service. Oh yes, the National Guard, he lied his way in. With three months he was already caught doing something inappropriate to a junior enlisted female that’s when they found out the truth previous branches. Soon after I was picked up for Active duty and moved. At this point he had had so many jobs that he lost that I again had to find him one. The cheating started up again and after I was picked up for a Sate side MOB he claimed to be deploying overseas. Yet no proof or information. I just happened to be in a position that I knew every aspect of the deployment process and every unit deploying. When he started saying things in front of my Command they called him out on it, he then left the room to “make a phone call” after 5 minutes came back and said his unit took him off the deployment list. Yah, that’s not how that works. He had no idea my Command knew of his past and the abuse and was helping me to get situated so I could divorce him. They had seen the bruised and witnessed a great deal. We also found proof that he was never deploying but looking for an apartment in another state. Things hit the fan so bad shortly after that that he left the state we were in.
He had just taken off with his son from previous marriage to torture her and abandoned him with me. At this point I contacted her for the first time and she told me everything that happened during their marriage and it was so bad. I had no choice but to give my step-son who I loved and that I hated had been in such a position for so long to his Mom. But I knew he was safe and cared for with her. He threatened me and his family started threatening me to the point I had to change phone numbers. I returned back home from my MOB and hid my address. He found us and showed up pretending to love us all after the worsened abuse he should the kids, dos and I during the MOB. He never physically hurt the kids in front of me but I found awful marks from time to time. They never even acknowledged him. He was nothing and had serious separation anxiety when it came to me which was probably from seeing or hearing him hurt me. The dogs he always kept locked in a cage denying them water and going to the bathroom all day and night until the kids and I were home and it was potty, food then immediately back in cage. When he showed up to my new house he talked the kids into wanting him to stay in the guest room. He raped me that night. Yes I even have him on security camera stalking out side my bedroom while I was showering. I reported him and did a rape kit. I was finally granted a full stay away restraining order for 5 years. I was then transferred to another state.
He moved again and left us alone after divorce was final. My divorce lawyer decided it was his right to disclose my new address. He sent me a deranged absolutely insane 6 page letter and sent the kids a set of rules with a tracking device demanding my kids have it on them and charged at all times so he could track me knowing they were always with me. He was arrested and charged creating another restraining order in the new state. Then suddenly he has an expensive lawyer and is going after me for full custody when he had nothing. Come to find out he’s dating some rich female. This is when the court abuse starts. Mind you I’m just finally out of the financial debt he left me in. He now has gone off the Vegas to marry her and hid the wedding from everyone for several months. Just before their wedding he hacked all my accounts ( we never attached accounts or anything) but his calendars are on my google screams with him eloping and his tinder hook-ups. So already cheating on new wife, shocker! But the police can do nothing about him hacking me. I am completely locked out of my accounts and my phone shuts down cause I can’t update or do anything. I lost so much. Court battle starts, false allegations are filed none stop which I’m cleared of every single time but now I’m in bankruptcy due to lawyer fees.
It’s been none stop hell and threats. During all this I find out he lied about his career in the Marines. He was thrown out because he was trying to sleep with high school recruit. Oh and the whole time I was MOB’d he didn’t have an approved leave he was under investigation for sexual misconduct AGAIN!! This time several junior enlisted females during his annual training to the point they sent him home early. This is when they contact me and I inform them of his past in the Marines and Army. He was demoted from a Sergeant to and E1 and other than honorable discharge which burns me to this day. We also found videos of him recording my 19 year old pregnant Soldier in our home bathroom!! She stayed over during her drill weekends cause she was close with the kids and I, this caused a great deal of mental health issues for her because he got away with it.
Since this I have found out he molested my baby sister when she was 14 and my mom knew for two years now!! He sent my cousin at 16 very inappropriate messages that she had saved to send me. Had hidden cameras in our bedroom and in my mom’s house. He had women sleeping in my bed when I was away for work etc.
I am now fighting for my kids. I have sole custody of my daughter (11) because she ended up in the hospital after seeing her father by ambulance, she remembers everything and struggles around men. My oldest son (19 and not his) won’t date and stays close to home and struggles due to everything he went through. My youngest (8) is the only one with no memories but gets nightmares of a dark figure trying to hurt me. He is the one who talks to his father. I do not say anything about their father. My daughter talks about her memories but I do not add on. I do not encourage anything hate. My 8 yo is being manipulated and bribed by him. He was arrested again for violating the restraining order. No one but the witness, my lawyer and I knew but his new wife texted the court ordered cell phone and told my 8 yo he was arrested by me. Then he told him during a day visitation. (Went from 1 supervised phone call a week do day time visitation in my town only). They are now going after me for contempt of court and false allegations. Mind you he tried to have me arrested twice in front of the kids with false allegations (police proved it and my lawyer) and I refused to charge him cause I just wanted it all to end. I didn’t even witness this someone else did and reported it I just wrote that they contacted me and found what they were talking about on my security camera.
Now I have a very high bill from my lawyer I can’t pay. I’m barely making bills and I’m maxed out in loans and credit cards to pay the debts he’s causing. He stopped paying the $496 dollars in child support now there’s that case. My career in the military is amazing and I’m doing well. But the stress is causing health issue, my mental state is deteriorating and I can lose my secret clearance due to my debt which will end my career. My stress is so high. Though the kids and I are doing the best we have ever been just by being free we have a long ways to go and have been in counseling for awhile.
My family got their heads on straight finally and I have made amazing new friends. The old ones tried to apologize but a few of them were sleeping with him and setting me up for him so that’s where my problems from the beginning were from. I refused to let them back in my life. I have a great support system now but still struggle daily. I just don’t know how to stop the court attacks and get out of debt. I don’t want to lose my babies. They have been through so much and even the dogs are doing amazing finally and haven’t seen a cage since the day he left. My one dog is finally letting men around her more. Now I find out he has a Government job with law enforcement on a Active base, I’m freaking out scared of more victims!!!!!! I honestly just don’t know how much more I can take.
And this is just parts of everything he has done. His awful words still shoot through my head that I’m crazy and I’m the abuser etc.
AITA?

submitted by At_my_limit2 to AITAH [link] [comments]

2024.06.06 17:29 JohannGoethe Hieroglyphics references EAN research

Abstract
(add)
List
The the following, from the hieroglyphics section, of the Alphanumerics references wiki page, are works of interest to EAN researchers:

Young Related

Young, Thomas. (142A/1813). “Adelung’s General History of Languages”, London Quarterly Review, 10(19):250-292, Oct.
Young, Thomas. (140A/1815). “Jamieson and Townsend on Ancient Languages” (five language classes, pg. 97), London Quarterly Review, 14:96-112, Oct.
Young, Thomas. (139A/c.1816). "An Explanation of the Hieroglyphics on the Stone of Rosetta", Egyptological manuscripts; dating from: 141A/1814 to 136A/1829 (post). British Library. London.
Nicholson, R.A. (137A/1818). ”Letter to Young on lithographed proof sheet“, Sep 11
Young, Thomas. (136A/1819). “Egypt” (images [200 main types]; plates [available]), Britannica.
Young, Thomas. (132A/1823). An Account of Some Recent Discoveries in Hieroglyphical Literature and Egyptian Antiquities: Including the Author's Original Alphabet, as Extended by Mr. Champollion, with a Translation of Five Unpublished Greek and Egyptian Manuscripts. Publisher.
Young, Thomas. (132A/1823). Hieroglyphics: Collected by the Egyptian Society, arranged by Thomas Young (abst). London: Howlett and Brimmer.
Young, Thomas. (131A/1824). “Languages”, Encyclopædia Britannica, volume 5; in: Miscellaneous Works of the Late Thomas Young, Volume Three (pgs. 478-) (editor: John Leitch). Murray, 100A/1855.
Young, Thomas. (126A/1829). Miscellaneous Works of the Late Thomas Young, Volume Three(editor: John Leitch). Murray, 100A/1855.
Young, Thomas. (124A/1831). Rudiments of an Egyptian Dictionary in the Ancient Enchorial Character: Containing All the Words of which the Sense Has Been Ascertained (110-pgs). Publisher.

Champollion

Champollion, Jean. (134A/1821). "From the Hieratic Writings of the Ancient Egyptians" ("De l'Ecriture Hiératique des Anciens Egyptiens") (💬 "hieroglyphics are signs of things, not of sounds", pg. 157) (length: 7-pages). Baratier.
Champollion, Jean. (133A/1822). "Letter to Joseph Dacier" ("Lettre à M. Dacier") (text). Publisher.
Champollion, Jean. (132A/1823). Egyptian Panthéon: Collection of Mythological Characters from Ancient Egypt after the Monuments (Panthéon égyptien: collection des personnages mythologiques de l'ancienne Egypte d'après les monuments) (27:1). Publisher.
Champollion, Jean. (123A/1832). Egyptian Grammar (Grammaire égyptienne) (images). Publisher, 119A/1836.

Hieroglyphics Older

Anon. (4350A/-2295). Pyramid Text. 3D Visual Tour.
Palin, Nils. (151A/1804). Analysis of the hieroglyphic inscription of the Monument found at Rosetta (Analyse de l'inscription en hiéroglyphiques du Monument trouvé à Rosette). Publisher.
Lepsius, Carl. (104A/1851). About the First Egyptian Gods and Their Historical-mythological Origins (Über den ersten Ägyptischen Götterkreis und seine geschichtlich-mythologische Entstehung) (Κηβ [Keb], pg. 14). Publisher.
Brugsch, Heinrich. (69A/1886). ”article”, Zeitschrift für Aegyptische Sprache, Jan [?]
Renouf, Peter. (69A/1886). “The Name of the Egyptian god Seb”, Nov 2; in: Proceedings of the Society of Biblical Archaeology, Volume 9, Society of Biblical Archæology (pgs. 83-97). London.
Brugsch, Heinrich. (64A/1891). Religion and Mythology of the Ancient Egyptians (Religion und Mythologie der alten Aegypter) (Geb, 8+ pgs, Geb+Nut family tree, pg. 383; Keb, 6+ pgs; 7-god Egyptian to Greek table, pg. 417). Hinrichs.
Wiedemann, Alfred. (58A/1897). Religion of the Ancient Egyptians (Keb, pg. 231). Publisher.
Griffith, Francis. (57A/1898). A Collection of Hieroglyphs: A Contribution to the History of Egyptian Writing, Issue Six (length: 74-pages) Egyptian Exploration Fund.

Hieroglyphics Newer

Wilson, Hilary. (A38/1993). Understanding Hieroglyphs: a Complete Introduction; book originating from day school entitled: ‘Name, Rank, and Number in Ancient Egypt”, Southampton, May A37/1992 (line drawings by Hilary Wilson; maps designed and drawn by Peter Funnell) (pg. 13). Barnes & Noble.
Betro, Maria. (A41/1996). Hieroglyphics: the Writings of Ancient Egypt (Arch). Publisher.
Petty, Bill. (A57/2012). Hieroglyphic Dictionary - a Middle English Vocabulary. Museum Tours.
Manley, Bill. (A57/2012). Egyptian Hieroglyphs for Complete Beginners (abst). Thames.
Douros, George. (A67/2022). Aegyptus: Egyptian Hieroglyphs, Coptic and Meroitic (length: 184-pgs) (pdf-file) (signs: 11,058). Publisher.

Gardiner

Gardiner, Alan. (39A/1916). ”The Egyptian Origin of the Semitic Alphabet” (jstor) (pdf file), Journal of Egyptian Archeology, 3(1), Jan.
Gardiner, Alan. (28A/1927). Egyptian Grammar: Being an Introduction to the Study of Hieroglyphs (length: 683-pgs) (Arch) (pdf-file). Oxford, A2/1957.

Budge

Budge, Wallis. (60A/1895). First Steps in Egyptian: A Book for Beginners. Publisher.
Budge, Wallis. (60A/1895). Egyptian Book of the Dead: The Papyrus of Ani, Egyptian Text Transliteration and Translation (goose, pgs. 35-36, 109). British Museum.
Budge, Wallis. (51A/1904). The Gods of the Egyptians, Volume One. Dover, A14/1969.
Budge, Wallis. (51A/1904). The Gods of the Egyptians, Volume Two. Dover, A14/1969.
Budge, Wallis. (35A/1920). An Egyptian Hieroglyphic Dictionary, Volume One (arch) (Amaz). Dover, A23/1978.
Budge, Wallis. (35A/1920). An Egyptian Hieroglyphic Dictionary, Volume Two (arch) (Amaz). Dover, A23/1978.
Budge, Wallis. (33A/1922). The Rosetta Stone. British Museum.

Egyptology

Manetho. (2200A/-245). History of Egypt (translator: W. G. Waddell) (pdf-file) (text: book I, book II, book III; Other). Harvard, A15/1940.
Griffiths, John. (A25/1985). Origin of Osiris and his Cult. Brill, A63/2018.
Allen, James. (A50/2005). The Ancient Egyptian Pyramid Texts (pdf-file). Biblical Literature Society.
Rossi, Corinna. (A54/2009). “Mixing, building, and feeding: mathematics and technology in ancient Egypt”; in: The Oxford Handbook of the History of Mathematics (pdf-file). Publisher.
Teeter, Emily. (A56/2011). Before the Pyramids (pdf-file) (pgs. 204). Oriental Institute.

Other

Robinson, Andrew. (A51/2006). The Last Man Who Knew Everything: Thomas Young, the Anonymous Genius who Proved Newton Wrong, and Deciphered the Rosetta Stone, Among Other Surprising Feats (Archive) (pdf-file) (length: 296-pgs) (Young, An Explanation of the Hieroglyphics on the Stone of Rosetta, pg. vii). OpenBooks, A68/2023.
Dolnick, Edward. (A66/2021). The Writing of the Gods: The Race to Decode the Rosetta Stone (podcast). Publisher.

See also

Hieroglyphics references - Hiero Types.

Notes

I moved this here, because it is quicker to edit, as compared to the Reddit wiki page, wherein Reddit mark up code has to be used.
Will move this page to Hmolpedia, eventually (soon).

submitted by JohannGoethe to Alphanumerics [link] [comments]

2024.06.06 15:03 Simran_Rajput Top Reasons for Dubai Visa Rejection for Sri Lankans

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Dreaming of the iconic Burj Khalifa, luxurious shopping, and stunning desert safaris? Dubai, with its futuristic skyline and vibrant culture, is a top destination for many Sri Lankans. However, getting there requires navigating the visa application process, which can sometimes lead to rejections. Understanding the common reasons for visa rejection can significantly increase your chances of approval.

Common Reasons for Visa Rejection

Incomplete Application Forms

An incomplete application is one of the primary reasons for visa rejection. Missing out on required fields or providing partial information can lead to immediate disqualification. Ensure every section of the form is filled out accurately and completely.

Incorrect or Insufficient Documentation

Submitting incorrect or insufficient documentation is another frequent cause of visa rejection. The visa authorities require a set of documents to verify your identity, financial stability, and purpose of visit. Any discrepancy or missing document can result in your application being denied.

Financial Instability

Dubai visa applicants must prove they have sufficient funds to cover their stay. If you fail to demonstrate financial stability, the visa office may question your ability to support yourself, leading to a rejection.

Invalid Passport

Your passport must meet certain criteria to be eligible for a Dubai visa. It should be valid for at least six months from the date of your intended travel. Passports that are damaged or contain errors can also cause your application to be denied.

Criminal Record

A criminal record can significantly hinder your chances of getting a Dubai visa. Authorities conduct thorough background checks, and any criminal history can result in a rejection. It’s crucial to disclose any past offenses honestly and provide necessary documents if required.

Previous Visa Rejections

If you've had a visa application rejected in the past, it can impact future applications. Authorities may scrutinize your new application more closely, looking for the reasons behind previous rejections.

Mismatched Information

Consistency is key in your visa application. Mismatched information across different documents can raise red flags. Ensure that all your details, such as your name, date of birth, and travel plans, are consistent across all submitted documents.

Suspicion of Intent

Authorities need to be convinced that you intend to return to Sri Lanka after your visit. Any indication that you might overstay your visa or work illegally can lead to a rejection. Clear documentation of your ties to Sri Lanka, such as family, job, or property, can help prove your genuine travel intentions.

Incomplete Application Forms

Importance of Thoroughness

When applying for a Dubai visa, thoroughness is paramount. Double-check each section of the form for accuracy and completeness. Even a small error can cause delays or rejections.

Common Mistakes to Avoid

Common mistakes include missing signatures, incorrect dates, and incomplete addresses. Ensure all fields are filled in correctly, and seek clarification if you’re unsure about any part of the form.

Incorrect or Insufficient Documentation

Essential Documents Required

Essential documents typically include your passport, photographs, proof of accommodation, and financial statements. Additional documents may be required depending on the visa type, such as employment letters or invitation letters.

Frequent Documentation Errors

Errors often occur in financial statements, passport copies, and photographs. Ensure that all documents are up-to-date, legible, and in the required format.

Financial Instability

Proof of Funds Requirement

You need to show proof of sufficient funds to cover your expenses in Dubai. This can include bank statements, salary slips, or sponsorship letters.

How to Demonstrate Financial Stability

Maintain a healthy bank balance, and provide clear evidence of your income sources. A well-documented financial history boosts your credibility.

Invalid Passport

Passport Validity Requirements

Your passport must be valid for at least six months beyond your intended stay in Dubai. Ensure it is in good condition, with no damage or missing pages.

Common Passport Issues

Common issues include expired passports, insufficient validity, and physical damage. Renew your passport if it’s close to expiring, and handle it carefully to avoid any damage.

Criminal Record

Impact of Criminal History on Visa Approval

A criminal record can lead to automatic rejection. Authorities prioritize the safety and security of their country, and any criminal history is a significant red flag.

Steps to Take if You Have a Record

If you have a criminal record, be upfront about it. Provide all necessary documents and a clear explanation of your circumstances. Legal assistance may also be beneficial.

Previous Visa Rejections

How Previous Rejections Affect New Applications

Previous rejections can make authorities wary of approving your new application. They may assume that the reasons for past rejections still apply.

Strategies to Overcome Past Rejections

Address the reasons for previous rejections in your new application. Show that you have rectified any issues and provide additional supporting documents to strengthen your case.

Mismatched Information

Importance of Consistency in Your Application

Ensure all information matches across different documents. Inconsistencies can cause confusion and delay the processing of your visa.

Tips to Ensure Information Matches Across Documents

Double-check names, dates, and other details on all documents. Use a checklist to verify that everything aligns correctly.

Suspicion of Intent

How to Prove Your Travel Intentions Are Genuine

Provide detailed travel itineraries, return flight tickets, and proof of accommodation. Show strong ties to Sri Lanka, such as employment contracts or family commitments.

Avoiding Red Flags That Raise Suspicion

Avoid one-way tickets, vague travel plans, and inconsistent information. Be clear and concise about your travel purpose and plans.

Tips for a Successful Visa Application

Step-by-Step Guide to a Flawless Application

Gather all necessary documents early.
Fill out the application form accurately.
Ensure all information matches across documents.
Demonstrate financial stability.
Double-check your application for completeness and accuracy.

Dos and Don'ts During the Application Process

Do: Provide clear, honest, and detailed information.
Don’t: Submit false documents or withhold information.

Understanding the Appeal Process

What to Do If Your Visa Is Rejected

If your visa is rejected, don’t panic. Carefully review the rejection reason provided by the authorities.

How to File an Appeal Effectively

File an appeal by addressing the specific reasons for rejection. Provide additional documentation or clarification as needed.

Consulting a Visa Expert

Benefits of Professional Help

Visa experts can help navigate the complex application process, ensuring all requirements are met.

Choosing the Right Consultant

Select a reputable consultant with experience in Dubai visas. Check reviews and ask for recommendations.

Common Misconceptions About Dubai Visas

Debunking Myths

Many believe that visa rejections are inevitable or that the process is too complicated. However, with proper preparation, your chances of approval are high.

Realities of the Visa Application Process

Understanding the actual requirements and processes can demystify the application. Most rejections are due to avoidable mistakes.

Conclusion

Applying for a Dubai visa can be a meticulous process, but with careful preparation and attention to detail, you can avoid common pitfalls. Ensure all your documents are in order, your information is consistent, and your intentions are clear. By understanding and addressing the common reasons for rejection, Sri Lankans can enhance their chances of receiving a visa and enjoy the wonders of Dubai.

FAQs

What is the most common reason for Dubai visa rejection for Sri Lankans?
The most common reason is incomplete or inaccurate application forms.
How long should my passport be valid when applying for a Dubai visa?
Your passport should be valid for at least six months beyond your intended stay.
Can I reapply immediately after a visa rejection?
Yes, but it’s advisable to address the reasons for rejection before reapplying.
Do I need to provide proof of accommodation for a Dubai visa?
Yes, proof of accommodation is typically required as part of your visa application.
Is a visa consultant necessary for a successful application?
While not necessary, a consultant can help navigate the process and increase your chances of success.

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2024.06.06 14:03 Strawberries111777 ABYG that I ghosted my ex-suitor pagkatapos niya akong pagbayarin sa high end restaurant?? PART 2

Part 1: https://www.reddit.com/adviceph/s/O1DxQwmvSJ
I feel like I owe everyone a more detailed explanation, and update. Please spare more time to read para naman mas maliwanagan ang lahat.
As per what the majority advised to me, I posted the side of my story to our campus secret files I even put also his name and department so that everybody will know the truth, unfortunately my letter were declined (siguro) because it’s already been 4 days sineen lang ang letter ko, ang hula it’s because of his connections since he is a known student in our campus and has a lot of friends and connections. I knew from a friend of mine that one of the admin of the page is his friend, kaya malamang nasabihan na kaagad siya. As I checked din, ‘yung post and sharedposts niya na parinig sa’kin ay deleted na. Natakot ‘ata since sinabi ko sa letter ko na nagbabalak akong mag file ng case against him for public degradation if his shareposts and his friend’s humiliation occur.
I feel like I owe everyone a more detailed explanation, honestly for the whole 3 months na nangligaw siya, I can say galante po si guy. Palagi siyang bumibili ng pagkain kapag pumupunta siya sa bahay namin, buwan-buwan din naman akong may gift sakanya like flowers, chocolates, mga damit, make up at lahat po ng iyon ay hindi ko hiningi kusa niyang ibinibigay sa’kin, kaya sa tingin ko dahil ginagawa niya sa’kin e ineexpect niyang gagawin ko rin sakanya. He came from a well family kaya hindi ko inexpect na ako ang magbabayad sa restu na pinili niya, tsaka usually ng dates namin ay siya naman ang nagbabayad Kaya pakiramdam ko rin may utang akong explanation sakaniya, kaya hindi ko narin napigilang isipin pa kung GG ba ako’t hindi ko rin sinabi sakanya kaagad kung anong reason nang hindi ko pagpaparamdam. At some point, naiintindihan kong ganuon ang naging reaction niya sa hindi ko pagpaparamdam, pero lalo lang akong nadisappoint sa kaya niyang gawin. At sa totoo lang hindi pa ako nakakatanggap ng mga ganuong salita sa buong buhay ko “Sana mabuntis, huwag maka-graduate, paasa, manggagamit..” he lets his friend throw those degrading words on me, I only see clearer NO.
I blocked him in all of my social media accounts. Parang na-drain din ako sa haba ng text na ginawa ko para mag confess sa secret files namin at na-decline lang. Honestly, itong pagc-confess ay hindi ko ugali. Hindi rin ako pala-post o pala kwentong tao. Payapa naman na ang buhay ko nitong nag daang mga araw, simula nung mag decide akong mag send ng letter sa secret file ng school namin. Base sa mga connections ko, wala na siyang mga patama sa sharedposts niya, hindi ko na rin naman dinadamdam yung perang nawala sa’kin nung mga nakaraan, ilang beses ko siyang naii-spotan sa labas ng building ng department ko pero ako nalang din ang umiiwas sa usual spot na nakikita ko siya at nadaan nalang sa iba, basta ayoko na talaga, hindi na ako comfortable sa pinaparamdam niya sa’kin. Ang gusto ko nalang mangyari ay ang tumigil siya at kung maaari maging strangers nalang ulit kami sa isa’t-isa
Pero kahapon kakagising ko lang mga bandang alas-kwarto ng hapon, nakita ko siya sa sala namin pinapasok pala siya ng Tita ko. Alam ng kapatid at mommy ko ang nangyare sa’min maliban kay Tita dahil kahapon lang din ang uwi niya galing Tarlac, malakas talaga itong ex-suitor ko sakanila originally dahil nung pinapayagan ko pa siyang manligaw, talagang sinusubukan niyang maging malapit sa mga relatives ko. Kahapon, may dala siyang bulaklak at sobre, wala akong choice kun’di ang kausapin nalang din siya dahil sa tingin ko hindi rin siya aalis n’on kung hindi ko siya haharapin. Tsaka gusto ko rin kasing mabawi talaga ang nagastos ko hehehe
Base sa kanya, gusto raw niyang bayaran yung nagastos ko sa restaurant nung school fest. Hinahayaan ko lang siyang mag salita nang mag salita, at talagang pinapakita kong gusto ko nang matapos ‘yong usap na ‘yon. Humingi siya ng sorry at pasensya sa lahat ng ginawa niya, nasaktan lang daw talaga siya na parang ganun ganun lang siya sa’kin. Akala raw niya na okey lang sa’king ako muna ang magbabayad, late na raw niya napansin na hindi niya pala talaga dala ang wallet at cards niya. Nagsisisi daw siya na nag post siya sa scret files ng school namin at sa mga nasabi ng mga kaibigan niya.
Hindi na talaga ako comfortable kaya tinanggap ko nalang yung sobre at bulaklak saka nagpaalam akong magp-prepare na para sa trabaho. Halatang may gusto pa siyang sabihin n’on pero hindi ko na talaga hinintay na sumagot siya at umakyat na ako. Okey na ako na nabawi ko na pera ko, hindi narin naman siya nags-sharedpost o nagpaparinig, okey na ako ruon. Ayoko na ring maubos pa ang energy at patience ko para ipaabot pa ito sa pagsasampa ng kaso gusto ko lang maging mapayapa talaga. Pakiramdam ko rin talaga na hindi ako naging responsableng tao at some point, kaya it-take ko nalang ‘to as a lesson.
Marami akong nababasang comment na talagang galit na galit kay guy, pakiramdam ko hindi ko nabigyan ng mas malinaw na detalye ang mga nangyare. Ayoko nalang din na mag tanim pa ng sama ng loob sa kahit na sino at mabuhay nalang ng walang isipin pa. Maraming salamat po sa comments ninyong lahat pero ito…
GGBA?? Na deserve naman niyang bigyan ng malinaw na explanation pero bigla akong hindi nagparamdam?? After all marami siyang mabubuting nagawa sa’kin at sa family ko, GG ba ako dahil nung pinabayad niya ako sa restau, e ghinost ko na siya. GG ba ako’t hindi ako nakipag communicate nang maayos sa naramdaman ko at nag proceed ako sa ghosting??

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2024.06.06 07:10 Skyseoroundtable A Comparative Analysis of Means-testing in Chapters 7 and 13

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A Comparison Between Means-testing for Chapter 7 and Chapter 13
Bankruptcy can be a daunting prospect, but for many individuals drowning in debt, it can offer a fresh start and a path to financial stability. Two common options for individuals seeking bankruptcy relief in the United States are Chapter 7 and Chapter 13 bankruptcy. Each comes with its own set of rules, benefits, and drawbacks. However, one crucial aspect that applies to both is means-testing. In this article, we’ll delve into the differences and similarities between means-testing for Chapter 7 and Chapter 13 bankruptcy, helping you understand which option may be best suited to your financial circumstances.
I. Introduction
Bankruptcy is a legal process designed to provide relief to individuals or businesses struggling with overwhelming debt. Chapter 7 and Chapter 13 bankruptcy are two of the most commonly filed types of bankruptcy in the United States. While Chapter 7 involves liquidating assets to pay off debts, Chapter 13 allows individuals to reorganize their debts and create a repayment plan. Means-testing is a critical component of both processes, determining eligibility and influencing the outcome of bankruptcy proceedings.
II. Understanding Chapter 7 Bankruptcy
Chapter 7 bankruptcy, also known as “liquidation” or “straight bankruptcy,” is the most straightforward form of bankruptcy available to individuals. Under Chapter 7, eligible debtors can discharge most unsecured debts, such as credit card debt and medical bills, without having to repay them. However, not everyone qualifies for Chapter 7 bankruptcy.
A. Explanation of Chapter 7 Bankruptcy
To file for Chapter 7 bankruptcy, individuals must meet certain eligibility criteria, including income limitations and a means test. The means test compares the debtor’s income to the median income in their state to determine eligibility for Chapter 7. If the debtor’s income falls below the state median, they typically qualify for Chapter 7 bankruptcy.
B. Eligibility Criteria
In addition to passing the means test, individuals seeking Chapter 7 bankruptcy must also meet other eligibility requirements, such as completing credit counseling and disclosing financial information to the court.
C. Liquidation Process
Once approved for Chapter 7 bankruptcy, a trustee is appointed to oversee the liquidation of non-exempt assets. These assets are sold, and the proceeds are used to pay off creditors. Certain assets, such as a primary residence and essential personal belongings, may be exempt from liquidation under state or federal law.
D. Pros and Cons
Chapter 7 bankruptcy offers a relatively quick and straightforward path to debt relief, allowing individuals to eliminate most unsecured debts without the need for a repayment plan. However, it may involve the liquidation of non-exempt assets, and not all debts are dischargeable under Chapter 7.
III. Understanding Chapter 13 Bankruptcy
Unlike Chapter 7 bankruptcy, Chapter 13 bankruptcy involves creating a repayment plan to pay off debts over a period of three to five years. Chapter 13 is often referred to as “reorganization” or “wage earner’s bankruptcy” and is typically used by individuals with regular income who want to keep their assets but need time to catch up on missed payments.
A. Explanation of Chapter 13 Bankruptcy
Under Chapter 13 bankruptcy, individuals propose a repayment plan to the court, outlining how they will repay their debts over time. The court must approve the plan, and creditors must agree to the terms.
B. Eligibility Criteria
To qualify for Chapter 13 bankruptcy, individuals must have a regular source of income and debts within certain limits. Unlike Chapter 7, there is no means test based on income for Chapter 13 bankruptcy.
C. Repayment Plan
The heart of Chapter 13 bankruptcy is the repayment plan, which outlines how the debtor will repay creditors over a period of three to five years. The plan must prioritize certain debts, such as mortgage arrears and tax debts, and may require the debtor to repay a portion of their unsecured debts.
D. Pros and Cons
Chapter 13 bankruptcy allows individuals to keep their assets and catch up on missed payments through a structured repayment plan. However, it requires a regular source of income and may take longer to complete than Chapter 7 bankruptcy.
IV. Means-testing in Chapter 7
Means-testing plays a crucial role in determining eligibility for Chapter 7 bankruptcy and ensuring that only those who truly cannot afford to repay their debts qualify for relief under Chapter 7.
A. Purpose of Means-testing
The primary purpose of means-testing in Chapter 7 bankruptcy is to prevent abuse of the bankruptcy system by individuals who have the means to repay their debts but seek to discharge them through bankruptcy.
B. How Means-testing Works
The means test compares the debtor’s income to the median income in their state for a household of similar size. If the debtor’s income is below the state median, they typically qualify for Chapter 7 bankruptcy without further scrutiny.
C. Impact on Eligibility
If the debtor’s income exceeds the state median, they may still qualify for Chapter 7 bankruptcy if they can demonstrate that they have no disposable income available to repay their debts after deducting certain expenses.
V. Means-testing in Chapter 13
While Chapter 13 bankruptcy does not require debtors to pass a means test based on income, means-testing still plays a role in determining the terms of the repayment plan.
A. Application of Means-testing in Chapter 13
In Chapter 13 bankruptcy, the means test is used to calculate the debtor’s disposable income, which in turn influences the amount they must repay to creditors through the repayment plan.
B. Differences from Chapter 7 Means-testing
The means test in Chapter 13 bankruptcy focuses on disposable income rather than eligibility for relief. Debtors with higher incomes may be required to repay a larger portion of their debts through the Chapter 13 repayment plan.
VI. Factors Influencing Choice Between Chapter 7 and Chapter 13
When deciding between Chapter 7 and Chapter 13 bankruptcy, individuals should consider various factors, including their financial situation, asset protection, long-term goals, and legal advice.
VII. Case Examples
To illustrate the differences between Chapter 7 and Chapter 13 bankruptcy and the role of means-testing, let’s consider a few hypothetical scenarios:
VIII. Common Misconceptions
Despite the prevalence of bankruptcy, there are many misconceptions about the process and its implications. Here are some common misunderstandings about means-testing and bankruptcy:
IX. Recent Changes and Developments
Bankruptcy laws are subject to change, and recent developments may impact the means-testing process and eligibility criteria for Chapter 7 and Chapter 13 bankruptcy.
X. Conclusion
In conclusion, means-testing is a critical aspect of both Chapter 7 and Chapter 13 bankruptcy, influencing eligibility and the terms of debt repayment. By understanding the differences and similarities between means-testing for Chapter 7 and Chapter 13 bankruptcy, individuals can make informed decisions about which option is best suited to their financial circumstances.

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2024.06.06 06:47 Skyseoroundtable Unveiling the Expertise of Long Island Chapter 7 Lawyer at Pryor Mandelup

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Unveiling the Expertise of Long Island Chapter 7 Lawyer at Pryor Mandelup
If you’re considering filing for Chapter 7 bankruptcy in Long Island, it’s important to work with a skilled lawyer who can guide you through the process and protect your rights. At Pryor Mandelup LLP, our experienced Long Island Chapter 7 lawyers have helped countless clients achieve debt relief and start anew. Here are some key reasons why working with a Chapter 7 lawyer is essential:
Knowledge and experience
Filing for Chapter 7 bankruptcy can be a complex and overwhelming process, but an experienced Long Island Chapter 7 lawyer can make it much easier. They have the knowledge and experience necessary to guide you through each step of the process, including completing the necessary paperwork, attending court hearings, and communicating with your creditors.
Protection from creditor harassment and collection actions
As soon as you file for Chapter 7 bankruptcy, an automatic stay goes into effect, which prohibits your creditors from pursuing any collection actions against you. This means they can’t call you, send you letters, or take any legal action without violating the stay. Your Long Island Chapter 7 lawyer will ensure that your creditors comply with the automatic stay and protect your rights throughout the bankruptcy process.
Debt discharge and fresh start
The primary goal of Chapter 7 bankruptcy is to discharge your debts and give you a fresh start. Your Long Island Chapter 7 lawyer will work to ensure that as many of your debts as possible are discharged, so you can start anew with a clean slate. They will also help you understand which debts cannot be discharged and how to handle them.
Ongoing support after bankruptcy
Your Long Island Chapter 7 lawyer’s support doesn’t end when your bankruptcy case is closed. They will help you take steps to rebuild your credit and regain your financial footing, so you can start fresh and move forward with your life.
Increased likelihood of success
Working with a skilled Long Island Chapter 7 lawyer increases your likelihood of success when filing for bankruptcy. They can help you avoid common mistakes and ensure that your case is filed correctly and accurately.
If you’re struggling with debt and considering filing for Chapter 7 bankruptcy in Long Island, don’t hesitate to contact Pryor Mandelup LLP today. Our experienced Chapter 7 lawyers will guide you through the process and help you achieve debt relief and financial stability.

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