I am looking for part time masters program online. Most likely in AI and robotics.
Objective is to build some live projects and learn things since I miss college days building cool stuff. I lack the discipline to do it on my own.
What are your views on this? And what programs do you recommend if any?
Also feel free to share your stories with part time masters program :)

Games pretty fun, obviously. Thats an understatement, the game is the best game I've ever played so far, albeit it was the first game I bought with my first paycheck in my life, so before this I been skimping off of free to play games and 10 dollar sales.
I am playing a Nomad Male V who started off pacifistic (Spared every person I possibly could during the first entry mission when going through and stealing Johnny's Drive), although after obtaining Johnny, I allowed myself to kill the bad bad people.
PS: I am playing on the hardest difficulty,
So far, I really enjoyed Beat on the Brat, I didn't know Gorilla Arms existed since I never upgraded my optics and shi until like Level 28
So basically those missions were like souls games to me, which I enjoyed, albeit I wish that each boxer had more unique combinations and moves instead of the same patterns copy and pasted (although I ain't complaining). I managed to beat Buck in Arroyo at like level 9 purely because I spent 18 minutes dodging every attack and countering. Very predictable but fun detour, although I did have to restart the entire thing and dip because Buck wanted to actually fight for his sniper, and I lacked the equipment to win
I just beat Razor in like 2 minutes on my first try because I finally bought Rare Gorilla Arms, I saw people saying he was tough but it only took a few combinations since I had a recycled the stunning animations over and over. He was easier than Rhino honestly (since I had to fight Rhino without Arm Implants)
How did y'all feel about those missions? Because I really enjoyed them!

Hello!
While there are a lot of groups around the internet for different segments of the FIRE community, I am having difficulty finding a group to discuss life AFTER retirement for those of us at a non-traditional retirement age. I am interested in connecting with a few other women to create a small social circle where we can discuss the retirement adventure in the EU & UK. If you are:

• a woman in her early 40s to mid-50s
• already fully FIRE'd (retired and financially independent)
• currently residing in the EU or the UK full-time as your primary residence
• are child-free (never had children)*; and,
• have the time, motivation, AND space to get to know other fully FIRE'd women for sharing, camaraderie, and socializing.

Ideally, we would meet on a regular basis (could be weekly), initially online (Skype, Zoom, etc.), with occasional meet-ups in great locations across Europe! While life gets in the way for all of us, the goal is for each woman in the group to have the availability to be engaged enough to build meaningful connections over time.
Please DM me if interested.
\ Why child-free? The lifestyle of a person with children ( and grandchildren ) is very different from a person living a child-free lifestyle. We would like this group to focus on the unique issues that arise from a child-free retirement.*

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[Just a quick note here but I would like to say that I'm not going to go into details about Natsumi and the plot point that concerns her because I think arc 7 is just her introduction and that there's way more things to this persona then just what arc 7 showed, this post is very long too so please be aware]
First I would say that this plot point is very dear to me for many reasons, but the most important Point is that for me it dealt with a problem I always wanted to see which is Subaru obsession of having the choice of RBD and how to use it, from the moment arc 4 finished and until now Subaru was always struggling with chosing the best way to RBD, in arc 5 he reached the conclusion that he shall use it to save his friends but focus on other ways to save the situation so he won't depends on it, arc 6 was Subaru using the power to reach what he believes to be the real Natsuki Subaru
And in arc 7&8 he was dealing with the guilt of not using RBD to save people in the previous arcs and the current ones, showing that just because Subaru didn't RBD in those previous arcs it doesn't mean that he didn't want too or that he didn't feel bad about it, however the arc also showed a very big flaw of Subaru that he carries on since arc 4 and until now, which is that Subaru always blames himself for every situation that goes wrong
Even when he is not in control Subaru STILL insists that he is and that the only reason why he couldn't save the people in the shelter in arc 5 for example is that he didn't do it, in arc 6 Subaru blamed himself for Ram taking the burden and fighting until she got severely wounded, he didn't accept it was her decision, at they ending of arc 6 Subaru blamed himself for Shaula death saying it was his fault because he came to the twoer until juluis shut him down and told him to be respectful for shaula wishes
In arc 7&8 this becomes more obvious to the point Subaru becomes really frustrating (which I like) he doesn't RBD when someone already dies due to their own decisions BUT he doesn't let go either and use this as an excuse to blame himself feeding on the fact that if he RBD he would have changed the situation, as if his feeding on this dulusion that if he died and RBD everything will be okay and the only one to blame is not those who did the kill no, it's his fault because he didn't stop it
After the "you are not a hero" chapter which was in amazing call for arc 6 because it was testing Subaru new determation of " you are in amazing guy Natsuki Subaru" by literally making the person who gave him this determation rejecting him completely Subaru was lost, he can't move on now because the mirror he used to see himself through is no longer here BUT he can't go back because Rem wasn't the only reason why Subaru reached this conclusion and now he genuinely understand his achievement and how great they were
he can never go back from this but now he can't move forward either which left him in a critical vulnerable state making him clinch into Natsumi as a piller of strength, which lead to Vincent looking down on him because Subaru reason of using this mask is emotional and to hide his weakness rather than solving them and this is the principal of weakness in the vollachian empire ( this is not the first time someone see right through Subaru like this, ironically enough Vincent sister Priscilla was the first to do that in arc 3 and just like what happened in arc 7 Subaru ignored Priscila completely there as well )
Unlike Natsumi, Subaru shotification was a very unfortunate and unexpected turn of events for Subaru, we all saw how frustrated Subaru was when Todd was haunting him down and how not even RBD was enough to control the situation and get him out of it, the RBD was useless here shocking Subaru to his core not just because Subaru most useful power RBD becomes useless but also because situations like these when Subaru is incapable of getting the upper hand DESPITE using RBD is what terrefy him the most
(It's a quick note here but this is a going fact about Subaru, in the recent Q&A for the 10th anniversary of re zero the author said that Subaru Just like Rosewaal likes to be in control of how people perceive him and intentionally makes people annoyed with him or very confused with his speech pattern, it's also the reason why Subaru is weak to effection, he is not used to it and doesn't know how to handle it)
So unlike the normal situation when Subaru is capable of using every single death efficiently or when his wearing the mask of being the perfectly confident Natsumi, just like how his death against Todd was out of his control shotabaru was the same and he was Subaru's weakest form....it was supposed to be his weakest form
Let's go back again to Chicha and olbart discussion a little, it was the conversation that made chicha understand how this ability works and re-create it to use it on cecilus, but it's not just that, olbart said that there's people who won't be effected because the core of their personality didnt change since childhood, example being Meduim and Cecilus, then we have the ones who the ability were created for, the ones who got weaker physically and emotionally and no longer capable of using their power the example for this is Al, and then we have cases, a very special cases that it not known how it exactly work for them but..they become more dangerous, way more dangerous then their adult form
Think about what limit RBD as a power, Reinhart the strongest has his moral code and the believe that his family will be okay if the kingdom is okay, there's definitely more to this but this is the only known information so far, for Subaru it's the same as well, some think that it's Subaru moral code that hold him back ,but to be honest I think that his moral code is as good as him keeping his promises...which is not something his that good at
If Rem and Emilia were in danger he would fight back and even kill if it was necessary, like when he put a death trap to kill Todd and his soldiers after knowing what they would do to Rem, when it comes to his close friends it's not really that hard to give up on many of his own rules, what hold Subaru back is his fear of death... Subaru is terrified of death, he doesn't believe that death is a good thing at all except when it happens when you are old and full of wrinkles, otherwise death is always a tragedy
After arc 4 and finally Subaru admitting his real feelings which is that he is terrefied of death, Subaru was very obviously scared of his ability and scared of returning back to his arc 4 mindset, it's not just death as a concept but rather RBD as a whole is what terrefy Subaru, the random chack points that keeps changing without a note, the pain that comes when his soul possess his body again, the fear that it's just too late and that if it was too late...then it's too late, and there's nothing Subaru can do to change that, he becomes a hopeless human being and face what every single person face in this world, an unbearable unchangeable lose that nothing could overturn, and Subaru said it himself in arc 7, RBD manifested because of his upnormal fear of lose
Despite everything I mentioned our MC continued to blame himself for other people's choices, in his dialogue you would always read his thoughts that go like
" They don't understand but I can change the situation"
Which is true, but here's the point he doesn't change it, so he doesn't let himself use his power to stop this self loathing due to his fear ( I explained what I meant with this up there) nor does he accept the lose and just move on, his obsession with perfect ends was always there but his fear was what stopped him from going all in, so imagine if what will happen if I removed this from him, made him incapable of thinking of such a complicated thought and rather turn him into something that doesn't understand these big complicated concept, remove the only thing that hold Natsuki Subaru back and see what kind of monster he will become
Through his shotification Subaru speech pattern was written in hiragana and katakana without kanji in the text to show how childish he has become, it also shows how his memories are kind of vague, he does remember some things and after the 10 second of hell Subaru was forced to somewhat catch up to his original self, but the full details and all are not that obvious, this vagueness is exactly why he was so dangerous as well
As a child I think all of you noticed that after chapter 75 you don't feel that much tension with shotbaru, the more you see of him the more you get...assured that nothing bad will happen, you are not afraid that someone will die nor are you worried that they will fail to save vollachia, heck you don't even see RBD or actually feel any of the normal tention that comes with the ability while you are reading, shotabaru makes everything easier...he make them easier for Subaru as well and the more shotabaru dies Subaru becomes more and more in control so much sonit becomes very hard to different them at some point
While the whole thing started as in out of control situation first, I have no doubts that it becomes something that our Subaru took advantage of, he notices how shotbaru has no real understanding of trauma, it's more like a painful unconvinet event to him but that's it, he theorized that it might blow up in his face later on but he was fine with this, he also noticed that his mindset has reset to his younger years when he was a prodigy, the Subaru from that time was obsessed with being his father son, this obsession continue for YEARS, because it took years for Subaru child self who believed that everything is possible with enough hard work to die, now imagine that desperate child with Subaru crazy idoligy and RBD and well, this is the formula for in utter disaster
It was a convinet situation for Subaru because it made him reached his desire BUT it wasn't something he desired to be because he still wanted to stand alongside Emilia as a knight and because this was still Subaru after all, and I think that Subaru hypocrisy and everything that I mentioned before in this post came together in the moment Subaru rejected to return back to normal despite him having few chances to do so
While the situation was unfortunate at first but this excuse to defend Subaru fall down in the moment he had the chance to return to his adult self but he willingly choose not too, he has the chance to ask olbart for help and Vincent will aid him, but he refuses saying it was for the pleadise but we all know that in chapter 75 this assumption was rejected, and even then Subaru returning back to normal should be for the best, isn't Subaru killing himself anyway because "it's for the best" as he put it? Wouldn't it be better to risk the possibility of one loop to see the outcome of this? Yet Subaru didn't do it, he could have do it after they left to the capital away from pleadise but he also refuses, and finally in arc 8 chapter 74 Subaru was seemingly knowledgeable about a way to return back to normal after using glouutiny yet he still didn't use it... it's because Subaru not shotabaru is the one behind this madness, and because he has decided that him retuning back to normal in this current time won't be beneficial, but since he can't explain exactly why he hide behind the lie that it's all for the plan, when in reality it was just him hiding behind this mask of invisibility that was forced on him but he crafted it to fit him eventually
Subaru knew for a fact that his adult self who has a full understanding of RBD won't really use this power to it's full potential, meaning that there's many tragedy that Subaru won't really stop from acuring, meaning that what hold Subaru back from the future that he always desired will be back again, as a child Subaru could do this but his not so sure if this will continue as in adult, in the moment Subaru felt that the ending of the story is getting close and that sphinx death is right in front of his eyes ( basically when he finally precived his perfect ending that he always dreamed of ) that he gave up on shotabaru , throwing him away like some unwanted rug, with amnesia barue at least it was emotional scene of acceptance, with shotabaru it was more like a weight that he finally lift from his shoulders without even one second of a proper clouser, only to run for Emilia happy that he finally no longer in need to stay like this
What many receive as Subaru finally being free from shotabaru is for me showing Subaru absolute hypocrisy and how he was actually the one abusing his child self and not the opposite, despite having the chance of letting him go Subaru used him under the excuse that it's for the best, and while he use the pill to remind himself of how harsh death is Subaru didn't stop seeing RBD as a method or a tool to reach his goal, Subaru in arc 4 used RBD to self punchiment, while in arc 7&8 he use it to save everything and the hurt part is just a neccacry process, he never lost meaning of death due to this BUT he has lost his way with RBD
The fact that the author killed off Priscilla when Subaru returned back again to his original self is a really big slap on Subaru face ( and it's not the last ) because Subaru has give up on the excuse that made him act out of his usual self thinking he has already reached the perfect ending only for him to face the fact that Priscilla has died off screen even before the big battle happen, Because unlike shotabaru who immediately think about RBD when faced with the death of someone dear, Subaru... Subaru is not like this, many people forget this but in arc 5 when Subaru saw that Emilia might have died he immediately fall down to his kennes and didn't move, his first instinct wasn't to RBD no, it was him surunder to grieve that swallow him whole, that's why Subaru reaction for to Priscilla death and her disappearing into thin air right in front of his eyes wasn't to kill himself, because his mind was so messed up and distracted by in unbelievable event that made him genuinely stunned and incapable of even trying to solve the situation, right now the amount of death he endure throughout the arcs will be rushing to make his wound even more painful
Of course I don't believe Subaru will accept that soon, I think that the aftermath of Subaru hypocrisy and his choices in arc 7&8 that he uses to Sneak away from what he leaned before since arc 4 will be shown in the next arc, there's also a high chance Subaru might go back to this mindset of " if I didn't RBD I would never know whatever they were savable or not thus I can still make myself believe that they were" which will be a perfect call for that scene in gunhive when Subaru also refuses to RBD for the same exact reason
I don't doubt that at some point Subaru will overcome this but my fear is actually that Subaru might go through his phase of hating the world ( just like in the shadow garden) switching the blame from himself to the world itself as a way to cope because I doubt Subaru would let go of his fear and obsession with Saving that easily but whatever will happen i feel that the whole arc was setting Subaru up for starting the path of him accepting death and lose more

Whatever you want to know about flipping, no matter the question, ask here. Even if it's been covered 1,000 times before. Doesn't matter if you're new or old. If you stop learning things, you're probably on your way out.
-If you're completely new to flipping, I highly recommend checking out our Noob Guide for some basic information about flipping to get you started!
-If you're wondering about how to start selling your thrift finds online, check out this Complete Beginner's Guide to Ebay
-If you're wondering about how to start sending and selling books through Amazon check out this Beginner's guide to flipping books with FBA
-If you're wondering about what kind of stuff our members buy & sell, check out our previous Weekly Haul and Flip of The Week threads.
This is an extremely newb-friendly thread. As such, any rudeness is to be reported.

I'm not sure if guilty is the right word here. It's a feeling of being lucky and feeling like you don't deserve it and therefore feeling bad about yourself that you're getting something you don't deserve.
I have hbss when when I am around other with ss or read experiences online I feel bad that my condition is so mild while my people are going through hell with this fucked condition.
I feel bad I'm in a country with free healthcare while other have to go through hell to get treatments they need, and there's not much I can do but donate.

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

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

MSP Sports Capital has two distinct security arrangements:

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

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

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

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

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

The Cons:

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

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

I wanted to share a little story about how a simple conversation turned into the creation of a product that I'm really excited about. This is the story of how I came up with Mp3Converter AI and the journey of bringing it to life.

Discovering the Need

It all started one evening when I was chatting with a friend over coffee. We were discussing our favorite podcasts and music, and my friend casually mentioned how frustrating it was to find a reliable tool to convert different audio formats to MP3. He had tried several online converters, but they were either full of ads, had limited features, or were just plain slow. That got me thinking – surely there must be a better way to do this?

Understanding the Demand

The more I thought about it, the more I realized there was a genuine need for a high-quality, efficient MP3 conversion tool. I began researching and found countless forums and threads where people were asking for recommendations on the best MP3 converters. The complaints were consistent: too many ads, slow processing times, poor output quality, and lack of support for different audio formats. I knew I had stumbled upon a real problem that needed solving.

The Development Journey

Inspired by this need, I decided to create a solution. I spent the next several months diving deep into the world of audio conversion technologies and artificial intelligence. The journey wasn't easy – I faced numerous challenges, from choosing the right algorithms to ensuring that the software was user-friendly and accessible.
There were times when I thought about giving up, especially when I encountered technical roadblocks. But with a lot of perseverance and a bit of luck, I managed to overcome these hurdles. After months of hard work, testing, and tweaking, Mp3Converter AI was born.

Features and Highlights

Mp3Converter AI isn't just another audio converter. Here are some features that set it apart:

1. **High-Quality Conversion**: Leveraging advanced AI algorithms, Mp3Converter AI ensures that every conversion retains the highest possible audio quality.
   
2. **Support for Multiple Formats**: Whether it's WAV, FLAC, AAC, or any other popular audio format, Mp3Converter AI can handle it.
   
3. **Fast and Efficient**: The conversion process is quick, so you don’t have to wait forever for your files to be ready.
   
4. **Ad-Free Experience**: Unlike many other tools, Mp3Converter AI is completely ad-free, providing a smooth and uninterrupted user experience.
   
5. **User-Friendly Interface**: Designed with simplicity in mind, the tool is easy to navigate even for those who aren't tech-savvy.
   

Your Feedback is Welcome!

Now that Mp3Converter AI is up and running, I’d love for you all to give it a try. Your feedback would be incredibly valuable in helping me improve the tool and make it even better. Feel free to share your thoughts, suggestions, and any issues you encounter. You can try it out at [Mp3Converter AI](https://www.mp3converterai.com).
Thanks for taking the time to read my story. I can’t wait to hear what you all think!

Hey, trading/selling everything from my inventory, interested in buying skins through CSGOFloat, add me on steam to discuss. I am online for the majority of the day, a trade offer will give you the fastest response. Looking for High Tier Liquid items. Feel free to hit me up, if you want to discuss, please send serious offers. [H] ★ Karambit Doppler P2 FLAWLESS CORNER 0.00 ST ★ Karambit Marble Fade 0.00 FFI pixel corner (Tradable June 13th) M4A4 Poseidon FN I'm interested in M9/Kara/BFK Dopplers/Fades/high tier playskins etc. CSFloat Stall Tradelink Prices on items may change, the B/O price may be inaccurate.

Hey, trading/selling everything from my inventory, interested in buying skins through CSGOFloat, add me on steam to discuss. I am online for the majority of the day, a trade offer will give you the fastest response. Looking for High Tier Liquid items. Feel free to hit me up, if you want to discuss, please send serious offers. [H] ★ Karambit Doppler P2 FLAWLESS CORNER 0.00 ST ★ Karambit Marble Fade 0.00 FFI pixel corner (Tradable June 13th) M4A4 Poseidon FN I'm interested in M9/Kara/BFK Dopplers/Fades/high tier playskins etc. CSFloat Stall Tradelink Prices on items may change, the B/O price may be inaccurate.

I once traveled to Australia and during a run to the grocery store, noticed an Indian family walk out. They were dressed shabbily and the kids clothes had very visible holes.
I had a friend in college who had lived her whole life in the US. She dressed like she had just come out of the 90s. People in college would constantly talk about how she didnt groom herself or wore odd clothes. She also had a rude nature so maybe thats why people also judged her. But I always wondered why she would just not keep up with the times now that she has access to Indian fashion.
Since then I’ve seen many instances of people abroad, who have lower middle class lifestyles. Cheating out the government to save money, using services meant for the homeless, living in cramped spaces shared with many people. I feel the ones we criticize online for having an outdated fashion sense also have so because they cant afford to get the good ones. They say they wont wear it again, but even in India a lot of us buy lehengas we dont wear for a long time. I think some NRIs tend to not want to accept that they are backward than many mainland Indians as they wish to be acknowledged as a part of the “forward Western society”.
My husband has gotten a job abroad and I am often faced with this question (the title). Is living abroad so good that one would rather live a middle class life there than an upper middle class one in India?
If I sound judgmental, please feel free to correct my notions (peacefully haha).

So I recently got this email but I already figured out its a scam. But can I get a virus on my phone from this?

Hey everyone,
I wanted to share an interesting story that happened to me a few days ago in the world of Tibia. It involves Lady Tenebris, a bit of bad luck, and ultimately, a reminder of the good people in our community.
With Lady Tenebris being boosted, I decided to maximize the opportunity by killing her just after server save (SS) and aiming for another kill before the next SS. Since I work night shifts and finish just an hour before SS, I knew time was tight. So, right after work, I logged into the game on my Surface Go 2 tablet at my workplace. I met up with my organized team, and we successfully took down Lady Tenebris.
After the fight, I quickly packed up my gear, pressing a button to stow my Soulshell armor back into my backpack. I then closed my device, unplugged my mouse dongle, packed my tablet into my real backpack, and headed home. Later, when I logged back into the game on the PC and went to kill more bosses, I noticed my Soulshell armor was missing. It wasn’t in any of my backpacks or my depo. I was puzzled.
Suspecting a bug introduced by a recent update, I asked around in a server Discord group if anyone else had experienced something similar. One member, going by the name Dash Zoomyy(1000+ RP), asked me about the specifics of the armor and if it was imbued. He also asked if I had killed Lady Tenebris that morning. After confirming my responses, he told me he had my armor.
Here's what happened: After I killed the boss and left the fight room, I entered the safe room, where I pressed the power button on my tablet and got kicked from the game a moment later. Sometime later, Dash entered that room and saw a 290 Royal Paladin, Roberto'Pall, standing there with a Soulshell armor laying on the ground. Assuming it was dropped by accident, Dash let Roberto pick it up. Roberto didn't feel good about keeping something that wasn't his and, suspecting that the armor actually belonged to Dash Zoomyy, decided to return it to him. At first, Roberto thought it was just some player disguising himself as the armor with spells. It took him a moment to realize that it was indeed a Best-in-Slot (BiS) armor just laying on the floor.
Despite his guildmates advising him to keep the armor, Roberto felt it was right to give it back. I reached out to thank Roberto for his honesty, as he saved me from losing around 110 million gold coins. Although this might not be a significant amount for many, it was for me, given my playstyle doesn't generate much income, and I had bought the armor for 150 million only thanks to selling Tibia coins.
A few days later, I powered on my tablet again and saw my character still in that small room with the Soulshell armor on the floor. It seems I might have accidentally dragged the armor out while closing my device, likely due to contact between the keyboard and screen.
This experience reminded me that despite the sometimes self-serving nature of online games, there are still good people out there who care about others. Let’s appreciate and cherish these moments and the people who make our community better.
Stay safe and happy hunting!
Once again, huge thanks to Dash Zoomyy and Roberto'Pall for saving me from another fail, courtesy of my need to play Tibia after night shifts.
TL;DR:
I lost my Soulshell armor after killing Lady Tenebris and logging off at work on my tablet. Dash Zoomyy discovered Roberto'Pall had picked it up, thinking it was accidentally dropped. Despite his guildmates' advice to keep it, Roberto returned the armor, saving me from losing 110 million gold coins.
I'd love to hear your own experiences with kind players in the game, so feel free to share your stories in the comments below!

I enjoy hanging out in this sub, so I wanted to share my experience. Skip to the end if you want the juicy part.
I am 30F, I think I have been in a freeze / flight state since I was a teenager. I have been exposed to mold multiple times, and been quite ill and on medication, antibiotics, most of my life - which further shut down my nervous system.
I'm a woman of science, I even have a degree in Human Genetics. I shunned anything that was too "woowoo" - until I reached my breaking point.
I started bodywork in February 2024, and it has changed my life. In Aotearoa (New Zealand), bodywork is a group thing, you don't do it alone. In the 'clinic' there would be up to five people on tables each with a practitioner, and 1-2 extra practitioners walking around for extra assistance.
I screamed, cried, howled, wailed, shook at my first healing. The practitioners ground you, as they stretch your body, and affirm you are safe, that they have you. There is singing, sea salt spray, warming balms, talking, laughing, hugs. You meet the gaze of others in your session afterwards, and you share smiles, and some chats, both proud of yourself and the other person for the journey you just went on.
I did six of these bodywork sessions - called mirimiri.
It's beautiful, but it might not make a lot of sense to those unfamiliar with the tikanga of Te Ao Maori in my homeland.
My nerves were firing, tingling, it went on for weeks as my system came back online. It wasn't too painful, but it was very noticeable.
I started yoga, twice a week, now four times a week.
I do a little bit at home before bed too, Yin is my favourite.
It had been two months since my last mirimiri, and I was feeling so off.
THE JUICE:
So I signed up to a breath work experience, again it was a group healing session. The focus was on breathing in the light, and releasing whatever the body wished to let go of, no pressure, no expectations.
After some basic breathwork, and sharing time with the group we went on our journey for an hour. Breathing, laying face up in a circle with eyes covered. It forces you to tune in with your body, I could hear the breaths of the others.
Music played, and emotions swirled. Eventually the pain in my left sciatica started to play up and I was uncomfortable, panic set in. One of the practictioners came to ground me , then left, and I was able to continue. Five minutes later the discomfort was back, I ended up needing to curl into a ball on my side.
The practitioner returned, turning me onto my back again and the FEAR just RIPPED through me. She straightened me out, another practitioner came to my feet. I was so scared, so much was washing over me, they encouraged me to breathe, and to let it go, and then it happened.
My whole body started to shake, I was convulsing at the chest, my hips and legs shaking uncontrollably, my hands were quivering and it was terrifying but amazing at the same time. It felt like it would never stop, the energy was swirling in a circular motion inside me. It probably looked like I was possessed.
The practitioners hummed and breathed with me, stroking pressure points on my head and feet to ground me.
This went on for what felt like ages, but was probably only two minutes because as soon as the current song finished, my body went limp and I flopped.
I had to roll over to cough something out of my chest, have some water, and when I lay back down it was the most relaxed and safe I have ever remembered feeling, ever. I can't actually remember a time, even when I was small. A huge wave of gratitude and joy flowed over me, I felt so warm and free.
The others had different and similar experiences, it was wonderful to share our thoughts and feelings afterwards, hugs all around.
My perspective on life since that day has been forever changed. It's a lot easier to move through things, even when they're hard.
I'm excited and humbled to be on this journey with you all, kia kaha 💙

Hello guys I have been following this sub from past 1 year. And I am scared and thrilled to see people's portfolio here. So can you guys please guide How to start this from basics. Although I have basic knowledge like what is nifty and sensex. But I have no idea of 1.How to Interpret patterns 2. How to identify stockes? 3. What are the best websites for getting info. 4. Which is the best broker available. And many more questions. Kindly can you all guide me through this??. Do I need to purchase course? Or is it free on yt? Please guide me. Your response is appreciated.

Hi! Just need this safe place to vent out my feelings. My ex-boyfriend (28M) and I (27F) broke up 2 months ago. It was, for the most part, a really amicable break up. We have since then made no contact and had no connection on social media. To be honest when we broke up, I sighed a big relief. Because for a while, and as much as I loved him (and I honestly thought I would marry him), I knew that the relationship was becoming too much of a responsibility for him because he was set to move to Europe for work-- meaning another adjustment in our LDR on top of starting new work, new friendships, etc. I was relieved because I knew that in deciding to break up, he would be free of the stress. I would also be free from the hurt of not having my needs met and I haven't been- communication-wise and all. It really was the best for the both of us.
I didn't cry hysterically when we broke up and I was shocked at this because I really really loved this guy. I thought that I would be depressed and physically incapable of doing anything. But I just went on, business as usual. But in saying that I have noticed that at least once a week since then I cry every now and then when something reminds me of him. Today, I'm having a harder time with all the Paris Olympics updates online (lol)...because I was supposed to be come visit him for a Eurotrip this month until end of August while he's on break. We had all our plans laid out to visit Paris and join in on the olympic festivities, visit the Glossier London pop up, visit the Tate, etc. I was so excited for our trip and I guess I'm just wondering on how good it might have been if we still stayed together.
It's weird because I feel really OK. But also not okay like a part of him is still lingering over me but I don't necessarily feel "broken". Anyway, I just had to get this out of my chest. If you've read this far, thanks for listening to my story!

A game with guns and teams a knifes and it’s fast paced! if it has knifes please tell me I just need some good fast paced action for like stabbing people in the back and running around and etc just thinking about it would be awesome! Tell me stuff please I would love to play a game like this!