Citizens bank auto loan payoff address

Newer Members and Redditors

2024.05.16 21:04 BoostInfiniteBlake Newer Members and Redditors

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submitted by BoostInfiniteBlake to boostinfinite [link] [comments]


2024.05.16 20:48 AnArrogantMillennial Trying to buy a newish car (2020-24 Toyota 4Runner)

Interested in buying a 4Runner but have questions about my options. Currently live in California, but does it benefit me to buy one out of state. Also, not sure if I’d like to finance or lease (not 100% sure on the difference). I’ve got about $10,000 saved up and have an 801 credit score. Do I go to a dealership? Do I take out an auto loan with my bank to get a better interest rate? Please help!
submitted by AnArrogantMillennial to personalfinance [link] [comments]


2024.05.16 20:22 geo_maxxer How to keep US brokerage account after leaving?

Hey folks, I am considering pulling the plug and doing geo-arbitrage FIRE and maybe return to collect SS and Medicare further down the road. I know that lots of US brokerage will close accounts even for US citizens once you have a foreign address.
I have no easy way of keeping a US address if I leave
Is there no option to keep a US brokerage account if I leave? I see some post of a Schwab International account. Is that the *only* brokerage that support US accounts with a foreign address?
submitted by geo_maxxer to ExpatFIRE [link] [comments]


2024.05.16 18:48 Brief_Enthusiasm_76 A month ago I discovered I’ve been the victim of identity theft. What else can I do?

About a month ago my 19 year old daughter got her first credit card and was showing me her credit score. I’ve been a stay at home mom since dinosaurs roamed the planet and have never really had anything besides a bank account in my name, I’m just authorized on my husband’s. She decided to set up an Experian account for me and we found a few credit cards, an online bank account, and what I think are personal loans taken out shortly after we moved two years ago. I freaked out and we made a police report, FTC report, and we froze everything. I also made a complaint to the Post Office because a change of address was filed without my knowledge and some of my mail has gone missing. I have spent hours and hours on the phone with Kohl’s, Target, Sephora, Credit One, Milestone, and something called “Self”. Only one that’s been removed so far is Milestone. The others are closed now. Is there anything else I can do to have it all removed? Any idea how long it all takes? It makes me sick with worry knowing someone has all my information. Thank you!
submitted by Brief_Enthusiasm_76 to CreditScore [link] [comments]


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

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


2024.05.16 17:33 Bud_Fuggins Car Loan question (payoff)

I financed $17k three weeks ago, but the interest rate is too high, and I've decided to use savings to pay off the loan. I was hoping to just pay the principal off since my first payment isn't due til June; (I did make a payment early for $500 as well).
But they want to charge me $80 interest for the three weeks. I was trying to see if they would just waive the interest, but they gave me the runaround. When I pushed for waiving it, the bank mentioned I might be able to have the dealer cancel the contract, and I pay them the rest directly.
Is there a smart way to go about this? I have the pay-off amount, but I would love to avoid the interest if possible; (not a huge deal if I have to pay it, obviously).
Edit: I am not arguing that I don't owe it and don't need the reiteration of how the bank is right and I'm wrong; there's nothing to be right or wrong about in this question; I wanted to see if there's any kind of window in the first month to avoid interest with a payoff and it sounds like there's not so I will just pay it.
submitted by Bud_Fuggins to personalfinance [link] [comments]


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

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


2024.05.16 16:37 Alrightokyeaaa American abroad - looking to invest from Europe

FATCA is the bane of my existence as no country is willing to deal with it outside of the US so they simply bar American citizens from most forms of investment here. I’m sick of leaving money on the table.
I live in the EU and have no plans to move back to America. I also doubt I’ll renounce my citizenship anytime soon.
Is there a way I can invest in the US (say, using a US based app or something) without living there?
I’m assuming I’d need a US bank account and address so I’m thinking of ways I can validly make that happen but appreciate any info I can get. Thanks.
submitted by Alrightokyeaaa to investing [link] [comments]


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

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

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

Let's fight for Market Reform.

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

FULLY DETAILED LETTER TEMPLATE:

Because excellence deserves to be recognised.

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

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

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

🤫 🫣 Valuing Your Privacy

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

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

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

🖥️ 💡 Work Smarter, not Harder - with ChatGPT

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

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

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

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

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

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


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

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


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

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

Why Online Safety is Important

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

Comprehensive Tips for Staying Safe Online

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

Conclusion

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


2024.05.16 15:20 MeditateBreathe Reducing OCC Data FUD

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


2024.05.16 13:58 TradedMedia Hancock Wentworth LLC Secures $12M Construction Loan From Ion Bank In Quincy

Hancock Wentworth LLC secured a $12 million construction loan from Ion Bank for a multifamily project at 731 Hancock Street in Quincy. The development will feature 53 units with 71 parking spaces and is part of a larger plan including a 27-unit building at 13 Wentworth Road, approved simultaneously.

Summary of transaction details:

The loan was facilitated between Hancock Wentworth LLC and Ion Bank, marking a significant step in the project's development. This financing arrangement highlights the collaboration between the borrower and the financial institution for the construction of the multifamily property in Quincy. The approval of the construction loan underscores the commitment of both parties to the successful realization of the development project.
Learn More: Hancock Wentworth LLC Secures $12M Construction Loan From Ion Bank In Quincy
submitted by TradedMedia to tradedboston [link] [comments]


2024.05.16 13:41 apps-1 Low-code Platform: An Accelerator for Digital Transformation

Low-code development platforms have indeed emerged as powerful accelerators for digital transformation initiatives within organizations. These platforms empower both IT and non-technical users to build applications with minimal manual coding, significantly speeding up the development process and enabling rapid iteration and deployment.
Here's how low-code serves as a catalyst for digital transformation:
  1. Speed to Market: Traditional software development can be time-consuming, with lengthy development cycles. Low-code platforms enable faster development by abstracting much of the coding work, allowing developers to focus on higher-level functionality. This rapid development cycle enables organizations to bring new digital solutions to market much quicker than with traditional development methods.
  2. Empowering Citizen Developers: Low-code platforms democratize app development by allowing users with varying levels of technical expertise to contribute. Business users, or citizen developers, can create applications without in-depth coding knowledge. This empowers departments or teams to address their specific needs directly, reducing reliance on IT and accelerating innovation across the organization.
  3. Agility and Flexibility: In today's fast-paced business environment, agility is crucial. Low-code platforms enable organizations to quickly adapt to changing market conditions, customer needs, or regulatory requirements. They facilitate rapid prototyping and iteration, allowing organizations to experiment with new ideas, gather feedback, and make adjustments on the fly.
  4. Integration Capabilities: Digital transformation often involves integrating new and existing systems and data sources. Low-code platforms typically offer robust integration capabilities, allowing developers to easily connect to various APIs, databases, and legacy systems. This simplifies the process of building comprehensive, interconnected digital solutions.
  5. Scalability and Maintainability: As digital initiatives grow, scalability and maintainability become paramount. Low-code platforms provide scalability by abstracting much of the underlying infrastructure management, allowing applications to scale more seamlessly. Additionally, they often include built-in features for monitoring, troubleshooting, and updating applications, simplifying ongoing maintenance tasks.
  6. Cost Savings: Traditional software development can be expensive, requiring significant upfront investment in development resources and infrastructure. Low-code platforms can reduce development costs by streamlining the development process, enabling organizations to do more with less. Additionally, the faster time to market and ability to iterate quickly can result in cost savings by avoiding lengthy development cycles and reducing opportunity costs.
  7. Driving Innovation: By empowering a broader base of users to participate in app development, low-code platforms foster a culture of innovation within organizations. They enable rapid experimentation and iteration, allowing organizations to explore new ideas and solutions without the fear of failure. This can lead to the discovery of innovative solutions that drive competitive advantage and fuel further digital transformation efforts.
In conclusion, low-code development platforms are indeed powerful accelerators for digital transformation, enabling organizations to innovate faster, adapt to change more effectively, and drive value across the enterprise. By democratizing app development, streamlining processes, and fostering a culture of innovation, low-code platforms are helping organizations thrive in today's rapidly evolving digital landscape.
Read more:
Wave maker
Rapid application development platform
Low-code Enterprise application development platform
Low code application development platform or Low code development platform
What is Low code app development platforms
Composable low code isvs
Java-based low-code platform
Composable isvs
RAD studio-Rapid application development software platform
APAAS-application platform as a service
Cloud application development platform
Legacy application modernization services
React-native cross-platform mobile application development platform
Compare Wavemaker vs Outsystems vs mendix vs power apps — low code alternatives and its pricing
New application development platform
Rapid application development model
Low-code for consumable Banking and financial Low-code platform solutions
Internal api vs external apis
Rapid application development vs SDLC
Custom application development platform
Embedded banking and Finance, Low-Code and the Emerging Face of Adaptability
BAAS-Banking as a service
Composable Low-code banking solutions
Telecom low code platform
Alternative to Xamarin and Cordova
Wavemaker
Legacy application modernization platform
Cross-Platform React Native Mobile App Development
submitted by apps-1 to developLowcode [link] [comments]


2024.05.16 12:45 Ok-Fact-9212 AITAH for wanting to write off my parents (LONG POST)

Please bear with me as this may be a long one.
I (F) am 26 years old and have not lived with my parents since 18 (went to college moved to another city for work etc). My parents have never 100% supported me financially (not a lack of funds, rather to be spiteful and to hold it over my head), we have never had a great relationship mostly due to how they treated me and the poor life choices they have made. I am quite successful in my career, although it does take a few years to work yourself up in my career (legal field) as you work on salary and commission and need to build up clients. I know I am 26 but we study and do practical so I only finished that last year. Recently I found myself facing a hard financial time (I have to move to another city to accept a better work opportunity and had to pay double rent and deposit, my previous boss also did not pay me my full salary and notice period (even though I did work the month though and my notice period & that is the law here).
I reached out to my parents for help and I was offered a loan with high pay back, which I rejected (lending money through a bank would be a better deal). Now everyone is fighting with everyone. That however is not the reason I want to cut them off, just another fight to add to the long list of rubbing each other the wrong way. For as long as I can remember they have been very absent in my life (I hardly ever saw my father growing up and when I did he would always yell, swore at me and belittle me, the usual "you will never amount to anything" etc). My earliest memory of my father was him cussing at me, I was 3 years old and I remember it like yesterday. My mother although, she did try and made a effort made a lot of messed up decisions in her life which cost her almost everything. That led to her being dependent on my father as well, even though they are divorced (she moved back in with my father a few years back because she couldn't afford to survive on her own anymore, she also isn't treated great and I do feel sorry for her, but in my opinion she did bring it upon herself. My father has done horrible things like, swore at me, said thing no person should ever say to another person, let alone a parent, slapped me and threatened me, e.g. if I didn't do this he wont give me money for food, if I didn't do that he wont help me though college etc. (Just a note, he forced me to go study and held it against me if we ever had an argument). I have always been respectful towards them, but after a few years I also snapped and started arguing back (I usually just cried and went to my room). I have never gotten into any trouble, never had any issues with anyone, so generally I was a good teenager and adult. I always help them with anything they need etc.
Just to give you idee, he wouldn't give me money for things growing up, not in college and I was a full time student, so I couldn't take a half day work. When I first started working I earned just enough to cover fuel, medical aid, rent, utilities, I could not afford food and other necessities every month and would reach out and ask for a small amount of money like 5 dollars or less small. You can imagine how that went, I had to pray to make the fuel last each month to get to work every day. Anyways, he has "friends", people who only surround him for benefits (everyone can see it for what it is, except him) he supports them financially, food, money, alcohol, cloths, pays for their children's school, clothing etc. Mind you, he didn't pay my school fees and was handed over to debt collection, he didn't buy me clothes growing up etc. My though always was, why them and not me, why random people off the street (not actually homeless people or the less fortunate), why am I not enough, but they are. I ask for 5 dollars or food, no big problem, gets insulted, but he will give them 100 dollars for alcohol and to go out and eat (no joke that actually happened). I would sit and not be able to afford monthly expenses and he would call and brag about him taking them out to eat, buying cases of alcohol. And mind you it has been so for more than 10 years, so it isn't like he is doing this now that I am an adult, he this when I was still a child.
Almost everyone think very highly of him, he is always the center of attention, the best person, if I ever told anyone how he treated me he would get very upset and even slapped me once, because he didn't want me telling people that he wasn't the best, I didn't lie nor exaggerate either. Another example is I was in a relationship with a man who handled me very badly (as in abuse in the worst kind of way), my father liked him and knew what had happened. Shortly after I left the relationship, he had him over for a get together and drinks. It has been a constant cycle of manipulation, disrespect, arguing, being belittled, screamed at, swore at and mistreatment for as long as I can remember, I have gone no contact a few times but every time I am reeled back in and it goes well for a few weeks and then back to the same old thing. Addressing it does help, I have tried over and over to convey my feelings, to try and make it better, explain why I feel like I feel, but it does absolutely nothing.
So AITA? Because I do feel guilty and like I am TAH.
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2024.05.16 09:34 Jhonjournalist Japan is Suffering Its Worst Economy Than Expected

Japan is Suffering Its Worst Economy Than Expected
https://preview.redd.it/zutigo7prq0d1.jpg?width=800&format=pjpg&auto=webp&s=76984608ce4666478aa44bb29a7d16d2af38728f
  • For a long time, Japan has fought stale development and flattening as well as a quickly maturing populace.
  • Trades jumped 5.0 percent, after developing 2.8 percent the past quarter, while imports fell 3.4 percent.
  • Japan’s cash was once viewed as a place of refuge, expected to ascend in esteem amid worldwide disturbance.
Japan’s economy experienced a more terrible than-anticipated withdrawal in the principal quarter, official information showed Thursday, in additional terrible news for its disliked government.
Total national output on the planet’s number four economy shrank by 0.5 percent against market assumptions for a drop of just 0.3 percent.

Japan’s Worst Economy Than Expected

Contrasted and the principal quarter of 2023, the Gross domestic product fell an annualized 2.0 percent and a gauge drop of 1.2 percent, as per Bloomberg News.
The economy was hit by a significant quake on January 1 on the Noto promontory and by stops underway at auto goliath Toyota’s Daihatsu auxiliary.
Japan has been playing with a downturn since last year, with zero development — updated Thursday from an extension of 0.1 percent — between October and December.
In the past quarter, from July to September, the Gross domestic product experienced a significant compression of 0.9 percent, likewise updated on Thursday from a previous perusing of short 0.8 percent.
The new information will add to the strain on State leader KISHIDA Fumio and his administration, which for a long time has seen unfortunate survey evaluations.
Germany supplanted Japan as the number three economy in 2023 — by and large on account of the feeble yen — and is projected to be overwhelmed by India as well.
Expansion, nonetheless, has gotten, permitting the Bank of Japan in Spring to call time on its nonconformist money-related arrangement and raise loan fees without precedent for 17 years.
Rates somewhere else stay higher anyway and the wide differential has added to strain on the yen, which as of late has hit three-decade lows against the dollar.
In late April and early May, the yen momentarily rose forcefully against the greenback, provoking the hypothesis that Japan had mediated on the lookout.
Yet, that has not been validated in that frame of mind, with the yen cratering from around 115 for each dollar before Russia‘s February 2022 attack on Ukraine to 160 last month.
A more vulnerable yen is great for Japanese exporters and unfamiliar guests, yet it makes imports and unfamiliar travel for outbound sightseers more costly.
Learn More: https://worldmagzine.com/asia/japan-is-suffering-its-worst-economy-than-expected/
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2024.05.16 09:31 ontheballoot SBI Boosts Short-Term Retail Fixed Deposit Rates: What You Need to Know

SBI Boosts Short-Term Retail Fixed Deposit Rates: What You Need to Know
The State Bank of India (SBI), the country’s largest lender, has made significant adjustments to its short-term retail fixed deposit (FD) rates, signaling potential changes in the banking landscape. Here’s a breakdown of the latest developments:

SBI has raised short-term retail fixed deposit rates
SBI’s Move: SBI has raised interest rates on short-term retail fixed deposits by 25 to 75 basis points (bps), marking its first increase since December 2023. This adjustment is likely to influence other banks in the sector.
Impact on Investors: Fixed deposits serve as a crucial investment avenue, especially for risk-averse individuals and senior citizens seeking stable returns. The revised rates offer improved interest earning opportunities for investors across various maturity periods.
Rate Revisions: For retail domestic term deposits below Rs 2 crore, SBI has increased interest rates across different maturity periods. Senior citizens stand to benefit from higher interest rates, with adjustments ranging from 25 to 50 bps, depending on the maturity duration.
Banks’ Strategy: The move to raise deposit rates aligns with banks’ efforts to meet the growing demand for loans. SBI’s significant growth in gross advances and deposits in FY2024 underscores the importance of this strategic adjustment.
Market Outlook: SBI’s Chairman, Dinesh Khara, anticipates a credit growth of 14–16% in the current fiscal year, driven by momentum in retail and corporate loans. Funding demand from sectors like batteries, electric vehicles (EVs), and semiconductors is expected to contribute to this growth trajectory.
Policy Landscape: While the Reserve Bank of India (RBI) has raised the repo rate by 250 bps between May 2022 and February 2023, banks have been slow to adjust deposit rates accordingly. The recent rate hike by SBI reflects a response to the evolving policy environment and market dynamics.
Looking Ahead: As banks navigate the changing economic landscape, investors can expect further adjustments in deposit rates to align with evolving market conditions. Stay informed to make informed decisions regarding your investment portfolio.
In conclusion, SBI’s decision to raise short-term retail fixed deposit rates underscores its proactive approach to meet evolving market demands and regulatory changes. Investors should stay vigilant and assess their investment strategies in light of these developments.
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2024.05.16 07:06 Old_Jellyfish3643 What prevents a bank from a country with low interest rates, like Japan or China, from offering mortgage loans to USA citizens buying property in the USA even if the loans are backed by some equity?

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2024.05.16 07:03 Old_Jellyfish3643 What prevents a bank from a country with low interest rates, like Japan or China, from offering mortgage loans to USA citizens buying property in the USA even if the loans are backed by some equity?

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2024.05.16 06:26 Grouchy_Deal_8136 My ex is threatening to take me to court for money they claim I owed them

My narcissistic ex is claiming I need to pay them back money I owe them. It is an amount of $1K for paying my rent which my complex double charged me for and I was in no position to pay it. When this happened, as he was my BF at the time ofc I complained about it to him and he offered to pay it. I accepted his offer and he said I didn’t have to pay him back but I said I would. Now, my ex is from another country, he is not a US Citizen and does not live in the US. We were in a LDR. My ex also stayed with me when he visited the US for three months at a time at the apartment he gave me money to pay for and he did not pay rent, utilities, etc. When he visited I paid his way for everything; food, events, etc. I paid some money back to him while we were together, then he broke up with me and I decided I was done with him. I made some payments back but not all. He also offered to pay my rent again with his credit card even though I didn’t ask and I declined as I knew it was suspicious. When we broke up he kept saying I didn’t have to pay him back, I had to pay him back, etc. I’ve sent him some money since then but he has harassed me and stalked me since and tried to persuade me to get back with him and I refused. I know this whole thing is just a spite because I didn’t take him back when he begged me to take him back. I did say I would pay him back, but he couldn’t settle on how much I actually still owed him and kept changing the amount and we never had a written agreement that we both signed, just text messages. I decided it just wasn’t worth it given the emotional/mental abuse I experienced with him and the fact my bank app shows I sent him a total of $5K and some change and I just didn’t want anything to do with it anymore. He drained me financially enough. I know it’s morally wrong and I am not proud of it but it was a very toxic relationship and he had a gambling addiction and was unemployed. I myself am employed full time, yet I have student loans, personal loans, credit cards, taxes I owe back on and etc. to pay back as it is.
I know me agreeing to pay in text does not help my case, but if he did take me to small claims somehow even though he’s not a US citizen and I am, would he win? I’m very stressed out about this
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2024.05.16 05:59 myrealvoid INTERAC Issue

I need help. I recently got a new job and they asked me if they can just interac my payment for now so I can get paid today (i sent them my TD1-Form late so this is probably why.
From my understanding, they sent the money onto my email address was connected to a bank that I no longer have and made sure I’ve disconnected it to or my phone number which is not connected to any bank account.
Usually when people send me money on the same e-mail account I would just get an email asking me to pick a bank institution to send it to but now i only got a text from interac but no e-mail whatsoever.
I tried to contact INTERAC but they’re close now but i just really wanna make sure I have the money or at least get it sent back to my employer cause when I asked my employer they said that it went on auto-deposit.
If you’ve gone through this or know anything pls share it with me 😭
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2024.05.16 05:13 BlueGreenRainbow Recently purchased a home, looking for advice on how much I should keep for emergencies and investment

Hi there looking for advice on investing (29, single, no kids, no debt). I purchased a condo in January. I’ve lived at my parents house for pretty much my entire life so I was able to save up a large amount for a down payment:
I’m trying to decide how much I should keep as an emergency fund in my bank account, I’m unsure if I have too little or too much. I would love to invest a chunk of what I have in my account (20k) into a HYS but I’m not sure if taking what I have out of my bank account is a smart idea. 45% of my income going to the home is a little high which is why I’m considering just keeping what I have in my bank for now. If anyone has good HYS recommendations though I would appreciate it, I was looking at Citizens. If you got this far thanks so much for reading 🫶
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