I see the DFV memes. I see the Shrek dildos. I see the market manipulation.
I see thousands of people who all see the same things I do, and sometimes they try to educate the ones around them. They hope that this collection of due diligence and hundreds upon thousands of hours of research, and smooth brain evolution that has taken place over 3 and a half years will eventually start to shine some light on the insanity of the world we have settled into; the world they’ve cleverly constructed for us where common folk are rightfully put in their place, and gaslit into thinking that the billionaires of the world understand how society should operate.
If only it were really that easy. Change is hard, and if the thesis behind the short-sellers and this stock is correct (for me, this week is insurmountable evidence), a very hard change is coming.
For a moment, I'd like to address something that a lot of people are probably feeling at the moment: self-doubt. There’s a good chance that not many people will recognize me because most of my activity was on the original sub, and once the death-threats and bombardments of verbal abuse hit my inbox, I quickly turtled away and held on tight.
I was responsible for the post “Today Is Not Endgame” the Friday after the buy button was turned off, and it skyrocketed to the frontpage of Reddit with 45k+ updoots while none of us really knew the capacity for fuckery that Hedge Fucks were capable of. Most of us know how the next week and 84 years played out.
I spent years wondering if I did a disservice to people with that post, and wrang my own hands for never having sold any shares (nothing came of said wringing of hands, clearly, cause they’re diamond). I’ve poured over all of the DD, faded away from the community for multiple months at a time; have suffered an ER visit putting me 6 figures in debt, nearly filed bankruptcy, fell in love, and am now sharing this journey with someone who had no idea there was a veil to be lifted.
I guess all of this is simply just to say: don’t forget a very important aspect of why you bought, directly registered, and hold onto Gamestop stock:
You like the stock.
And I, personally, will always like the stock. And even love it when the next LEAP year comes our way.

Stupid Vinfans are spreading the silly argument that the new EV rules will help Vinfast by eliminating Chinese competitors. They use this silly argument just to pump the stock. They cited the stupid Motley Fools article as the source of news.
Time to debunk Vuong Pham's trick.
1/
There is no Chinese brand in the US. Except the Volvo / Polestar in some way, they are Swedish brand but are majority owned by Geely. Some of the Volvo, Polestar are imported from China will be affected. However, Volvo already has a factory in Ghent, Belgium, and a factory in Charleston, South Carolina. So they already has a solution. Polestar also has a factory in Busan, Korea.
2/
Tesla and Ford both use battery from CATL, the largest EV battery manufacturer. Same as Vinfast. Vinfast use CATL and Gotion battery. Chinese EV battery tariff will increase from 7.5% to 25% and this will affected all. But the other car makers are strong, they can pass the cost to consumers or absorb the cost. In contrast, Vinfast has higher manufacturing cost and this will only further make the US loss bigger.
As analysts at Forbes pointed out, the 100% tariff on Chinese imported cars is a preventive measure, and it does not change the dynamic in the US much as there is virtually no Chinese EV cars there. This is a fact.
In America, Tesla is still king. It is stupid to think Americans will abandon Volvo, Polestar to flock to Vinfast instead. After the new EV rule, Vinfast will incur more loss in the US with increased cost and more price pressure from Tesla.
We in this sub know that the North Carolina factory is a show: Vuong Pham has no money.
Oh, and the stupid conspiracy that the Chinese will funnel to the US through Vinfast is down right lunatic. Vinfast is a Vietnamese car maker, its cars are expensive and are not of lower cost like Chinese EVs, as it does not have the economy of scale of Chinese EVs. Further, Chinese EVs brands are actually stronger than Vinfast, why do they have to stoop lower to the third grade Vinfast?
Forbes article on the matter for more details: Volvo, Polestar And Tesla Take Biggest Hit From China EV Tariffs (forbes.com)
So, here is a post to debunk the silly arguement by Vinfans that the new EV rules help Vinfast. The new rule does not help Vinfast a single bit and is actually worse for Vinfast.
Vinfast is an EV failure by Vuong Pham, with pricey buggy cars, huge debt, minimal sales. In the US, two law suits are ongoing already and the Pleasanton lawsuit is coming too.
Bankruptcy is inevitable.

Bought house for 332,000, a bunch of horrible personal events/decisions happened, and now I’m 13 months behind (and honestly don’t want to keep the property) I have three vehicle repossessions and driving one now without the loan company unaware of where we moved to. (Low cost rental) Mortgage company said they’re about to put property up for auction and I’ve read about deficiency judgements and I’m pretty sure there will be a deficiency. I can’t afford to pay 100,000 or how ever much it costs and I sure as heck don’t want my wages garnished. So I’ve read about bankruptcy. I’m trying to have a savings account in case of emergency, because I can’t use credit at all. I need to buy a cheap used vehicle that I don’t have to worry about being repossessed at any moment. So if I buy a 3-5k car before/during bankruptcy will they seize it? Will they take my savings? Should I wait until I know for sure about the deficiency judgement to pull the trigger? My life is in the toilet and I know the only way out, is by saving and buying stuff outright. Which I’ll need to work a ton of extra hours to do, which I’m willing, I just don’t want to kill myself for savings to have it all taken away by either the bankruptcy or foreclosure. Please no judgements, Im just trying to move forward and fix my life to the best of my ability. Thank you for any advice.

My FIL passed away with some skeletons in his closet. He left a massive amount of debt to my MIL. He took out credit cards and maxed them out in her name without her knowledge among other terrible financial decisions. My MIL moved in with us, because she not only has a disability, but her account was frozen. My husband now has power of attorney over her as well. They spoke to a bankruptcy lawyer, and it was advised that since she is going to get a substantial life insurance policy, half of his VA disability, and her S.S from her own disability it was advised that she file chapter 13 for a repayment plan. My husband looked over the legal documents to explain them to her before signing and her lawyer now wants our financial information (pay stubs from the past 8 months). We are worried that since my MIL is living with us thay they're going to try and come after us too! Can they even do that? We are not listed as beneficiaries on any wills from FIL's estate. Not on any of his deeds. They rented an apartment. Car and motorcycle are going to be repossessed. State of Missouri. I was also wondering if she can contest some of her credit card/purchases he made without her consent?

On another Korean subreddit:

• Parent Accusing Me of Sexual Misconduct
• School is asking me to hide from the parents and come to work in private

If you have your blackbelt in Hagwon Ju Jitsu, the first thing (and this is what I DM'd the user) is to be highly suspicious of the take-down move going for the legs of "A parent / student said" maneuver. In search bar: Hagwon: Phantom Complaints. How to Fight Back
My clairvoyant comment 4 years ago:

If they need to get you out in a hurry, expect the scare tactic, "You molested a kid! Quick! Run to the airport and leave us all your money before we call the police!" -Hmmm, funny the PARENTS didn't call the police instead of the money-grubbing Hagwon owner.

The first 🚩 red flag 🚩 is, most places on earth would not have the staff contact you about a serious misdeed. The first time you heard about it would be a knock on your door from the police, and be told not to return to work until the situation has been resolved. This is because you are a flight risk and informing you of a crime would be the stupidest thing they could do. A Hagwonite mulling over whether to have the police involved is a clear sign it's made up. If an accusation is serious enough to be made by anyone, then there would be an official complaint made to the authorities. They would quickly take it from there, no one would tip you off the wheels were in motion.

Also, I was told to move out of my apartment to make way for a new teacher, I am constantly being micromanaged, surveilled, and pulled into arguments, and now I'm receiving messages that a parent is accusing me of sexual misconduct.

🚩 Red flag #2 is that the relationship has been increasingly threatening, abusive, hostile etc. The foreigner hasn't taken the hint that they are not wanted and should pack up and head out, Midnight Run it. The Achilles heel of Hagwonites is to push the shame on to the target. They QUIT, couldn't handle it, were failures, left us high & dry without notice, broke the contract, have to stack classes on the other teachers, everyone is a victim because of their selfish actions! They don't want to fire people except as a last resort due to labor laws and avoid looking like they abused a person that didn't do anything wrong. Why expend so much energy, stress, shouting, screaming, threatening, stalking, getting into daily pissing matches with an employee when firing them (especially easy while they are on probation) can be done with a Thanos finger snap? Like I said, they do everything they can to harass someone out the door, rather than fire them. Read on and see the continued histrionics this director will go through instead of doing the simple and obvious. Search bar: Resign, or I will harass you until you do!

First, it was all the arguments, one of which included the director screaming at me and almost crying on the phone at 8 pm while driving because I taught the students to spell "Cabbage" instead of "Lettuce".

🚩 #3--Never underestimate the depths a Hagwonite will stoop, to make a mountain out of a molehill. They are not very smart to begin with, so they find the smallest turn-signal violation and exaggerate it into a 1st degree felony. That's happened to me, and I simply responded, "Yeah, so what?" I didn't allow them to drag me in to apologizing, groveling, get into the weeds about literally nothing, or any of that. The argument for the next 10 minutes was whether it was important or not, and if the subject was befitting someone in a management position who should be able to discern things that need attention and things that can be ignored. The intent is to harass and they won't leave until they have exhausted all of their energy and are happy with the victim's response to it. I concluded by saying it was not important and I'm not changing anything. They can teach the class themselves if they think they can go the entire day without making a single error.
🚩 Red flag #4, ridiculous reasons and excuses, -no evidence.

I eventually received a call from the director telling that one of the parents believes that her daughter saw my private area in the bathroom (I am a male teacher and this accusation or anything close to it never occurred)

1. Oh yeah? Which parent? What's the student's name, which classroom of mine is she in, what time did this occur, and why would she be in the men's bathroom? Let me see the CCTV footage?
2. It's so weak, it's obviously made up. The foreigner would certainly have seen a student of the opposite gender in his bathroom and told them to leave and would not have unzipped anything if that happened.
3. What is a student doing entering or peeping into the men's rest room in the first place? That sounds like student misconduct to me. Why isn't the parent being told to correct their child's behavior and none of this would be an issue?
4. It's not illegal to pull your junk out in the rest room and try to relieve yourself, that's what it's for, it's not the hallway or classroom.

In the follow-up: School is asking me to hide from the parents and come to work in private
is by-the-numbers attempt to continue to harass, but the director doesn't know what to do after a lawyer was called. So first it was a "major" problem of exposing himself to a student, then when a lawyer contacts the school, that was an even bigger error by the employee. Wow, no one can ever do anything right in that place.

Fast forward, the attorney contacted the school, the school says no police were coming to talk to me, but instead, the school talked to the police already on my behalf and I will not be talking to police, so I shouldn't worry.

--NONE OF THIS HAPPENED! Ask the attorney to call the precinct and ask for a copy of the POLICE REPORT. They have to fill out any interaction with the public so it's not all from memory, even if no action is taken. The next officer that fields a call about it, can pull up the report and get a summary of events, dates, names etc.
Yeah, "don't worry" I talked to the police about your felony charge, fine, deportation, and de-escalated the situation for you. You're welcome!

AND IT JUST GETS STUPIDER

Now, my school is asking me to no longer come to work at 9 am and greet the parents, but instead, come to work 30 minutes earlier, hide from the parents, not teach kindergarten anymore, and sit behind a computer on a different floor, alone, doing random administrative tasks.

--A blackbelt would NEVER come in to work 30 minutes earlier without pay, should come a hour later since he's not teaching anyway. He should absolutely make his presence known to the parents and children so that the lies they were told, would visually be false. They are trying to hide the employee until they quit or get fired, or may have already told everyone a lie that he ran off w/o notice, because that's what they were expecting from the false sexual exposure claim.
Why cooperate? Come down from 2nd floor, walk around, enter the classroom, say hi to everyone when they show and leave.
Why would the other 4 foreigners cooperate? This is a serious accusation, they should all refuse work until the director is made to apologize and reinstate the teacher.
They are apparently bleeding student numbers, are in way over their heads, barely a year old, are over-staffed now, and need to shed labor costs. A foreigner strike would be the nail in the coffin. They would have to reverse themselves, or face foreclosure in about a week after parents yank their kids not having a NET teaching them. A Hagwon blackbelt, seeing his opponent down on one knee would totally punk them in the face with a Mortal Combat upper-cut finishing move. You threaten me with a felony, ruin my life, no mercy for you.
A golden opportunity to bring them into bankruptcy will undoubtedly be totally wasted. It's like the entire defense fell down, and the person with the ball is not sure whether they should go for a lay-up or not.....ridiculous.

Hi, this is my third post on the same broad matter and I have benefited from great advice on the prior two posts.
Quick recap: Our household is high income (high six digits) and has no major debt except for a mortgage associated with our home in which we have almost $500k in equity. Live in a state where homestead exemption is, for all practical purposes, non-existent relative to our equity. Credit score is in the 830s.
We are in the early stages of a premises liability trial as defendants where the plaintiffs are going for an 8 digit settlement (which is more than 10-20 times what similar judgements have gone for, but the attorneys representing the other side are strong, and the paintiffs are extremely wealthy -- probably worth 8 digits already).
Our assets including our home equity would be considerably less than $1M though we have a healthy amount in 401ks and 529s -- which we have checked with 2 bankruptcy law firms on and confirmed -- that can't be touched.
I recently learned that the means test for chapter 7, which is typically not applicable to households like ours, may not be required in cases where the debt is not consumer debt. If this is the case, we would greatly benefit from holding on to our high paying jobs ideally through and after our Chapter 7 filing. Any thoughts on whether we can pursue this? For now, we were planning on resigning our jobs and living off our savings for 6 months before filing for chapter 7 and then hoping to bounce back on the other side of a successful discharge by aggressively interviewing for jobs. We would be reliant on friends and family to help us with living arrangements through that time as we wouldn't have a home or our vehicles.

Hello, I have had a few free consultations. However my situation is complex enough that I feel I need a sit down meeting with an attorney. That is fine but they all want to charge me for the time, so I'm looking to be as informed as possible before paying them.
Situation: I owned a business (using two llcs). My business never fully recovered after COVID and the trauma of it all caused me to get into trading which quickly became gambling. Over the last 2-3 years I lost everything and used debt to keep myself and my business afloat. I closed the business in October.
Unsecured debt: I owe 105k in personally guaranteed debt, and 60k on personal debt. I also owe my parents 80k and the businesses had another 165k of debt that as far as I know is not personally guaranteed (including a 100k eidl loan)
Secured - own a home with 205k mortgage and 235k heloc, and it's worth 800k so 360k equity. State of Pennsylvania and joint tenants by entirety with my wife Own a paid off car worth 10k and no other assets Income: my wife makes 125k. I have been freelancing and got a contract the past year making 12k. That contract got cut off unexpectedly in April so I am unemployed
Questions/issues: My wife and I based on a 6 month look back are high income, but going forward the median income in our state with two kids is just over 125k. My wife had also been on 3 months unpaid maternity leave.
So I don't qualify for 13 because I am unemployed, but don't qualify for 7 because I earned some good money the past few months.
One attorney told me to just sit unemployed for 6 months and I'll qualify for 7. Could I qualify sooner given maternity leave? I understand that takes me into the second step of ch7 means test and that's where I got completely lost. How do I figure out what expenses get deducted and which month to file? If I drove Uber and made 30k in a year and our household now makes 165k, I would only qualify for 7?
Say I sit unemployed for 6 months- and therefore have zero income. Then we are automatically under the 7 means test. Is that the best move?
In my work/field, I'm very much on commission. It can be a big payoff so if I seek out work I could make zero for some months but 25k another month. So how would ch13 work? Will I even be able to do that given irregular income? If I went and got a stable job, then would 13 work. But what if I got a bonus at work (very common in my field)? Ch13 seems like a really bad option for me unless I am missing something?
My understanding is the equity in my house is protected by my state and entirety tenants with my wife. No unsecured debt is under her name. The mortgage is under both and HELOC is hers.
And then finally, if I'm stuck in this place where bankruptcy is just not an option, what the heck else do I do with all this debt? Secured payments are $2700 a month, and childcare for two kids where I live is 4k a month. So unless I start earning 150k+ how can I deal with all this debt?
Thanks so much for the input. I feel so lost.

Understanding Understanding several key factors that will influence your Kentucky mortgage loan approval. Here’s what you need to review before applying for a mortgage loan in Kentucky.

Credit Score​ for Kentucky Mortgage Loan Approval

Your credit score is a major factor in determining the interest rates and loan terms you’ll receive and your loan approval. In Kentucky, a score of 620 or higher is generally considered favorable for conventional loans, but programs like FHA loans may accept scores as low as 580.

Kentucky Mortgage Loan Work History Requirements:

Lenders typically require a stable work history, usually two years or more in the same job or field, to ensure you have a reliable income stream to cover mortgage payments. Does not have to be same job but job gaps should be minimal and you can use college transcripts to supplement a 2 year work history with

Kentucky Mortgage guidelines for Income and Debt-to-Income Ratio: Balancing Your Budget

Your income level and debt-to-income (DTI) ratio are critical in assessing your ability to afford a home. A Debt to income ratio below 50% is ideal, as it indicates a healthy balance between debt and income. For example, if you make $4000 gross a month, then your new house payment plus your monthly payments on the credit report should not be more than $2000 total. There are two different ratios. Front end, which should be in the range of 30 to 40% of your gross monthly income, and a maximum of 50% for conventional loans and 55% or higher for VA and FHA loans, while USDA loans usually need a 33% front end max ratio and on the backend ratio no more than 45%__USDA loans are much tougher on debt to income ratios while FHA and VA are the most lenient.

Kentucky Mortgage Bankruptcy and Foreclosure: Understanding the Waiting Period

If you’ve experienced bankruptcy or foreclosure, there’s a mandatory waiting period before you can qualify for a mortgage. For FHA loans, this could be as little as 1-2 years post-bankruptcy and 3 years post-foreclosure1. See link for more info

Kentucky Mortgage Down Payments:

While traditional loans may require up to 3-5% down, Kentucky offers programs that allow for down payments as low as 0%. Additionally, down payment assistance programs can provide up to 5% of the sales price or 10k KHC down payment assistance to help cover these costs

Kentucky Mortgage Loan Limits:

Loan limits vary by county and loan type. In Kentucky, conforming loan limits for a single-family home can reach up to $647,200 for conventional loans, with higher limits for FHA and VA loans1.

Government-Backed Loans: Kentucky FHA, VA, USDA Rural Housing

These loans offer benefits like lower down payments, zero down with down payment assistance and more lenient credit requirements, 580 credit scores. The VA loan, for instance, may require no down payment at all for eligible veterans or active-duty service members1.

Kentucky Housing: Down payment Assistance and lower mortgage market rates with MRB Rates.

The Kentucky Housing Corporation (KHC) provides various programs, including the Conventional Preferred and Preferred Plus 80, down payment assistance and low mortgage revenue bond rates which offer competitive interest rates and down payment assistance for those who qualify

Down Payment Assistance Welcome Home Grant

Kentucky’s down payment assistance programs can be a boon, offering loans to cover down payments and closing costs, making homeownership more accessible for first-time buyers.

Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364
Text/call: 502-905-3708 fax: 502-327-9119 email: [kentuckyloan@gmail.com](mailto:kentuckyloan@gmail.com) http://www.mylouisvillekentuckymortgage.com/
NMLS 57916 Company NMLS #1364/MB73346135166/MBR1574
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org).
several key factors that will influence your Kentucky mortgage loan approval. Here’s what you need to review before applying for a mortgage loan in Kentucky.

Credit Score​ for Kentucky Mortgage Loan Approval

Your credit score is a major factor in determining the interest rates and loan terms you’ll receive and your loan approval. In Kentucky, a score of 620 or higher is generally considered favorable for conventional loans, but programs like FHA loans may accept scores as low as 580.

Kentucky Mortgage Loan Work History Requirements:

Lenders typically require a stable work history, usually two years or more in the same job or field, to ensure you have a reliable income stream to cover mortgage payments. Does not have to be same job but job gaps should be minimal and you can use college transcripts to supplement a 2 year work history with

Kentucky Mortgage guidelines for Income and Debt-to-Income Ratio: Balancing Your Budget

Your income level and debt-to-income (DTI) ratio are critical in assessing your ability to afford a home. A Debt to income ratio below 50% is ideal, as it indicates a healthy balance between debt and income. For example, if you make $4000 gross a month, then your new house payment plus your monthly payments on the credit report should not be more than $2000 total. There are two different ratios. Front end, which should be in the range of 30 to 40% of your gross monthly income, and a maximum of 50% for conventional loans and 55% or higher for VA and FHA loans, while USDA loans usually need a 33% front end max ratio and on the backend ratio no more than 45%__USDA loans are much tougher on debt to income ratios while FHA and VA are the most lenient.

Kentucky Mortgage Bankruptcy and Foreclosure: Understanding the Waiting Period

If you’ve experienced bankruptcy or foreclosure, there’s a mandatory waiting period before you can qualify for a mortgage. For FHA loans, this could be as little as 1-2 years post-bankruptcy and 3 years post-foreclosure1. See link for more info

Kentucky Mortgage Down Payments:

While traditional loans may require up to 3-5% down, Kentucky offers programs that allow for down payments as low as 0%. Additionally, down payment assistance programs can provide up to 5% of the sales price or 10k KHC down payment assistance to help cover these costs

Kentucky Mortgage Loan Limits:

Loan limits vary by county and loan type. In Kentucky, conforming loan limits for a single-family home can reach up to $647,200 for conventional loans, with higher limits for FHA and VA loans1.

Government-Backed Loans: Kentucky FHA, VA, USDA Rural Housing

These loans offer benefits like lower down payments, zero down with down payment assistance and more lenient credit requirements, 580 credit scores. The VA loan, for instance, may require no down payment at all for eligible veterans or active-duty service members1.

Kentucky Housing: Down payment Assistance and lower mortgage market rates with MRB Rates.

The Kentucky Housing Corporation (KHC) provides various programs, including the Conventional Preferred and Preferred Plus 80, down payment assistance and low mortgage revenue bond rates which offer competitive interest rates and down payment assistance for those who qualify

Down Payment Assistance Welcome Home Grant

Kentucky’s down payment assistance programs can be a boon, offering loans to cover down payments and closing costs, making homeownership more accessible for first-time buyers.

Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364
Text/call: 502-905-3708 fax: 502-327-9119 email: [kentuckyloan@gmail.com](mailto:kentuckyloan@gmail.com) http://www.mylouisvillekentuckymortgage.com/

So, I'm not the greatest with finances. I make do. However my mom is... Much worse. She's currently 66 years old, working 3 shifts a week for a total of 15 hours, and has $32,580 of debt across five credit cards. She also has $16,000 owing on a vehicle that will be paid off by August 2026.
She brings in $2650 a month including $5-600 from my sister.
Her bills and expenses equal $3780 a month.
She's struggling physically to work, I can't provide aid because I'm in school, she's unable to file bankruptcy, and we can't find anyone to co-sign for consolidation. She wasn't able to recover after my dad passed away and she's spiraled into this hell hole.
What the hell do I do here? This is a big ask, I know. Any advice is welcome.

What is the purpose of this 30 minute phone call? According to them, I should just repay all the debt, due to the money they say I have. I am below median income in my state.
The 'counselor' did not ask very good questions, and yes, of course, I could pay some things with the money I make, but that is only available due to me NOT PAYING on those debts that I am told to not pay on while filing bankruptcy. So does that negatively effect my filing somehow, based on their reccomendation?

So, I (7 yoe) came to this company 6 months ago, we work in data integration and processing, I'm in one of data integration teams.
Since the beginning I could see what the company is struggling with:

• we work with the data analysts, who give us poorly written requirements with a lot of mistakes, the corrected versions are being sent every few days, even in the deadline day. We often find the mistakes and need to ask them if they're sure it's right - or we implement it wrongly and need to reprocess the data, which also often happens
• the codebase is huge, poorly documented, there are multiple repositories and modules with no clear naming/content pattern or deploying methods. More than 5 teams of 5-10 devs are working on it and, although the management have the "devs should be able to fix everything (even if it's written in another programming language)" approach, natural divisions are created, when my team (from my country) maintains some of the modules and other teams (from another country) develop the rest. The other teams don't touch our code and we don't touch theirs - to the point that if we create some universal module, they won't use it, but write their own module that solves the same thing. There is no communication to build something together, even though there were attempts from our side.
• the other teams also create lower quality code - they don't write unit tests, they don't document the code, create tons of code smells, there is no architecture.
• we try to produce better quality code, but our manager (pressured by product owners) often says "do it quickly just to make it work and we'll fix it later" and there is never time to do it properly
• there are no team leaders in the team, no single person that would do more of the "glue work" to introduce people to the code, make architectural decisions, do code reviews, research, develop ideas (or help with them). When I ask different people how we usually do the thing, I often get totally different answers, also I need to ask multiple times for my code reviews and quite often I need to have some branch merged to move on with my work. People are doing multiple tasks at the same time while waiting for the CR or PR approval and then everything in the sprint board is "in progress".
• so many discussions are pointless and don't go anywhere, many of them are mostly complaining or making fun of all the issues all list here
• there are multiple names for the same things, different naming/code conventions, different approaches to the same problem, even in our team.
• our team has many ideas to improve the processes, unify the names, but there's no single person that will say "yeah, it's a good idea, let's do it". Scrum retrospectives are not consistent, but even improving the work internally, we won't solve the external problems that are throwing us off and our manager doesn't have enough impact on other teams to solve them together
• no one really has good data platform architecture knowledge, many ideas are just a guesses and after some time we experience the consequences of our bad desing. And I know that's how people learn, but we don't have time to refactor the code and make it right
• the main architect (the only one) doesn't know the whole platform well and his ideas don't solve the problems, other architects refuse to work with this codebase and with this management, because too much mess and too difficult communication
• there is no single person responsible for this whole project, it just relies on team managers to communicate with each other, but clearly it is not working
• main product owner is suggesting technical solutions and architecture
• our product owner along with the manager want to focus on developing new features and not fixing what we already have unless it's a serious bug
• my manager is not really technical, despite him claiming he is. In his questions he mixes up layers, responsibilities, asks questions that suggest he doesn't understand the principles behind the idea, with them he often throws off a good discussion between devs, he suggests bad solutions publicly and we later get them from product owners as business requirements. When he explains something, he constantly uses metaphors instead of direct explanations (which rarely happends in technical discussions between devs).
• we are constantly fixing bugs, extinguishing fires and when we do it, we make shortcuts, we ignore scrum processes

I tried to improve the scrum processes, add unit tests, naming conventions, unify the structure of some repositories, make the team spend more time on designing a solution, but I constantly hear "there is no time for it" or "this is good enough for now, changing it is too much effort" and when there is a fire all effort gets thrown away anyway. I almost gave up, now I focus more on producing my own code good enough (which means good architecture, docstrings, unit tests and code analysis passing), than actively engaging in everyday activities, including meetings/discussions or thinking about general improvements of our projects.
I think of jumping the ship, but for this company I left the one where things were even worse and my first company (where I worked for 6 years) was a startup, where at least I understood the requirements and had an impact on what we do and how we do it, but this startup never made money and is constantly on the verge of bankruptcy. My fear is that all I wrote above is just the reality of most IT companies, because the company must sell things and things are better when they barely work today than when they work better tomorrow, the losses made from technical debt are not as visible as profits.
What do you think about it? How common companies like this are? Have you experienced something similar? Did you had a chance to see things improve or even have any significant impact on it?

He dilutes it when it's low. I get that the company has debt and that they need to raise capital, but come on. I feel like AMC isn't nearly as good as a play as GME because of this. They bleed money every quarter, and it stresses me out to see less than a billion in assets yet more than 4 billion in high interest debt. I feel like the possibility of chapter 11 bankruptcy is inevitable within 2-2.5 years. This guy is about to run a 100 year old company into the ground.
Ryan Cohen seems like a much more solid CEO. I currently have 1220 AMC shares and 111 GME shares, and I feel like converting nearly all of the AMC shares to GME at this point.

My Ch 7 bankruptcy was discharged in 2020. In 2023 I attempted to apply to a college for my Bachelors and found out that my transcripts were being withheld due to a tuition debt from a college that I previously attended in 2018. I intended to attend classes one semester, work got in my way, didn’t withdraw in time, my loans were returned and I was left with tuition and fees debt of over $3k. I found out that the school only sent one notice prior to my bankruptcy which is why I never attached it to my filing. I probably threw the bill away and forgot about it. It was never sent to collections either. How should I handle this debt? I still want my transcripts obviously. I graduated from there and still want to pursue higher education. Is it too late to add this to my bankruptcy for discharge? Is the school going to dismiss the debt?

Over the past 3 years, I've been touched and inspired by many of the hardship stories & comments people have shared on the GME subs. Often I've found myself in tears or close-to-tears, while I empathically bump my fist at my laptop screen and proclaim solidarity.
When my father passed a few years back, he had little more "wealth" than several thousand in dogshit-catshit mutual funds. They bounced up and down and all around, for a good 20 years. By the time we liquidated them, the paperwork alone, and transfer processes, made it barely worth it (and not really). He was not a financially smart man, but he tried; he tried as best he could with the limited financial knowledge he was able to glean from our "given choices". He also got blindsided by life numerous times, or maybe his choices could have been clearer. But he believed in his investments, because it was what was pushed on him by "smart" advisors/brokers with duplicitous smiles. (Picture the 2 mortgage broker guys in The Big Short) My disgust and contempt for these people -- even the lower levels dealing with the working class peasants -- deepens by the day. Now to the bigger fish...
These people that run the earth... this.... PARASITE CLASS... what a bunch of sick fucks. Out of touch, uncaring, entitled shits; when greed meets narcissism and psychopathy, and presents them with the gift of fiat-ponzi. Most are generational with their lackadaisical dismissal of the peasants: "To the manor born", as Agent Patrick Denham describes in thinly-veiled-disgust, in Wolf of Wall Street. Douchebags descended from douchebags, with no real desire to make the earth a better place, but only to satisfy their own distorted view of Maslow's Hierarchy, and what they may define as Self-Actualization or Transcendence. Hell, I'd be willing to bet most never make it that far, and are stuck somewhere in the "acceptance by others" part.

Dear Parasite Class,

...We're coming. We're coming for your comforts, your money, your homes, your stable & appreciable assets that you will have to publicly auction or surrender to foreclosure (Schitt's Creek, anyone?). We'll be shopping for your office towers on TenX (vertical-farming ape, right here), and car collections that may not see Pebble Beach Concourse in 2025.
Don't fuck with the internet, don't fuck with Reddit, and don't fuck with poor people, because we have nothing left to lose.
“Remember this. The people you're trying to step on, we're everyone you depend on. We're the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you're asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life.
We are the middle children of history, raised by television to believe that someday we'll be millionaires and movie stars and rock stars, but we won't. And we're just learning this fact. So don't fuck with us.”
I want any super-wealthy people reading this (and our alphabet agencies too, cause fuck you for not doing anything for 3 years), to ponder the following sampling. And then I'm going to piss-off back to my own livelihood, and convert the fake fiat to more shares of The Precious....
How would your life be if you:

• Woke up every morning with a sense of DREAD, instead of a sense of JOY. What does it do to a human?
• Didn't know how you would pay your upcoming bills, and had to juggle.
• Had your car's AC die in a place like Houston, Texas, and no money to fix it.
• Prayed every day that your car doesn't generally break down at any given moment.
• Knew that if it does break down, it could cost you your job.
• Saw the car repair bill would strain everything else, including that AC bill.
• Dared to introspect that in the lives of working-class people, even "minor" setbacks cause ripples.
• Actually considered that the CPI and inflation numbers are lies, and lived in constant anxiety.
• Needed to contemplate the uncertainty of being 1 emergency medical issue away from catastrophe.
• Were constantly told that "poor people should invest better", and then getting rug-pulled when you do.
• Watched for years, as your parents "give up on life", and accept mediocrity.
• Had aging parents you knew someday you'd have to take care of, but weren't sure you financially could.
• Were to forecast your own retirement, and knew the math didn't work.

There's more, but now I've got myself all riled-up again.
I'm done ranting for the moment. I'm angry as shit. I would have sold my 1-share $300 buy of 2021 for $1,000 (thanks TDAmeritrade for graying the buy-button and not letting me do it). Now I'm selling until I see people going to prison, bankers jumping from buildings (I wanna see cabbage/Chrisanova the savage), and a complete worldwide exposé of the naked-shorting racket, ALONG WITH the multi-generational, debt-based, fiat ponzi scheme that has been structured for everyone.
Cause Fuck 'em, that's why.

I am 24, and obviously have messed up financially.
72k in debt, 14K vehicle(0.9% APR), 25K credit cards(30% APR), 33k Personal loans (14% APR)
My income is $5800(net) (I think 8800 gross) a month, I get paid once a month, feel like I’m drowning.
I have zero rent / mortgage, don’t own anything.
45K in a 401k that I can’t pull out due to my employers rules.
Do I file bankruptcy?

Over the past 3 years, I've been touched and inspired by many of the hardship stories & comments people have shared on the GME subs. Often I've found myself in tears or close-to-tears, while I empathically bump my fist at my laptop screen and proclaim solidarity.
When my father passed a few years back, he had little more "wealth" than several thousand in dogshit-catshit mutual funds. They bounced up and down and all around, for a good 20 years. By the time we liquidated them, the paperwork alone, and transfer processes, made it barely worth it (and not really). He was not a financially smart man, but he tried; he tried as best he could with the limited financial knowledge he was able to glean from our "given choices". He also got blindsided by life numerous times, or maybe his choices could have been clearer. But he believed in his investments, because it was what was pushed on him by "smart" advisors/brokers with duplicitous smiles. (Picture the 2 mortgage broker guys in The Big Short) My disgust and contempt for these people -- even the lower levels dealing with the working class peasants -- deepens by the day. Now to the bigger fish...
These people that run the earth... this.... PARASITE CLASS... what a bunch of sick fucks. Out of touch, uncaring, entitled shits; when greed meets narcissism and psychopathy, and presents them with the gift of fiat-ponzi. Most are generational with their lackadaisical dismissal of the peasants: "To the manor born", as Agent Patrick Denham describes in thinly-veiled-disgust, in Wolf of Wall Street. Douchebags descended from douchebags, with no real desire to make the earth a better place, but only to satisfy their own distorted view of Maslow's Hierarchy, and what they may define as Self-Actualization or Transcendence. Hell, I'd be willing to bet most never make it that far, and are stuck somewhere in the "acceptance by others" part.

Dear Parasite Class,

...We're coming. We're coming for your comforts, your money, your homes, your stable & appreciable assets that you will have to publicly auction or surrender to foreclosure (Schitt's Creek, anyone?). We'll be shopping for your office towers on TenX (vertical-farming ape, right here), and car collections that may not see Pebble Beach Concourse in 2025.
Don't fuck with the internet, don't fuck with Reddit, and don't fuck with poor people, because we have nothing left to lose.
“Remember this. The people you're trying to step on, we're everyone you depend on. We're the people who do your laundry and cook your food and serve your dinner. We make your bed. We guard you while you're asleep. We drive the ambulances. We direct your call. We are cooks and taxi drivers and we know everything about you. We process your insurance claims and credit card charges. We control every part of your life.
We are the middle children of history, raised by television to believe that someday we'll be millionaires and movie stars and rock stars, but we won't. And we're just learning this fact. So don't fuck with us.”
I want any super-wealthy people reading this (and our alphabet agencies too, cause fuck you for not doing anything for 3 years), to ponder the following sampling. And then I'm going to piss-off back to my own livelihood, and convert the fake fiat to more shares of The Precious....
How would your life be if you:

• Woke up every morning with a sense of DREAD, instead of a sense of JOY. What does it do to a human?
• Didn't know how you would pay your upcoming bills, and had to juggle.
• Had your car's AC die in a place like Houston, Texas, and no money to fix it.
• Prayed every day that your car doesn't generally break down at any given moment.
• Knew that if it does break down, it could cost you your job.
• Saw the car repair bill would strain everything else, including that AC bill.
• Dared to introspect that in the lives of working-class people, even "minor" setbacks cause ripples.
• Actually considered that the CPI and inflation numbers are lies, and lived in constant anxiety.
• Needed to contemplate the uncertainty of being 1 emergency medical issue away from catastrophe.
• Were constantly told that "poor people should invest better", and then getting rug-pulled when you do.
• Watched for years, as your parents "give up on life", and accept mediocrity.
• Had aging parents you knew someday you'd have to take care of, but weren't sure you financially could.
• Were to forecast your own retirement, and knew the math didn't work.

There's more, but now I've got myself all riled-up again.
I'm done ranting for the moment. I'm angry as shit. I would have sold my 1-share $300 buy of 2021 for $1,000 (thanks TDAmeritrade for graying the buy-button and not letting me do it). Now I'm selling until I see people going to prison, bankers jumping from buildings (I wanna see cabbage/Chrisanova the savage), and a complete worldwide exposé of the naked-shorting racket, ALONG WITH the multi-generational, debt-based, fiat ponzi scheme that has been structured for everyone.
Cause Fuck 'em, that's why.
-- Late night edit: Thank you to the concerned party who sent me to the Reddit Cares Hotline. I promise I am of sound mind & body, albeit with a few minor anger issues. As such, I am going to give the hedge funds, market makers, and all manner of Parasite Class, a really sane, rational, reasonable, and vicious proper fucking, right in the deep end of my Infinity Pool.
-- Late night edit #2: I'm not broke or in distress. I'm self-employed, and doing pretty ok. But I have been close to being broke, and homeless, several times. I have experienced all bullet points above, and then some. For all you single X holders out there, who have life shitting all over you, have heart. You got my resolve behind you. We all make it out of this with life-changing money.

I’ve previously asked for advice on here and bankruptcy is the best option for me. I’ve spoken to debt advice charities who have also advised the same. So in that sense I have acknowledged my debt with the charities in April
Because of how strongly it’s going to f me in the a, with also having to pay into bankruptcy for 3 years with any spare money left at the end of the month I know that once I bankrupt myself I won’t be able to afford the repairs on my car which I do need
I have read that you can be rejected if you purposely make your debt worse, or if you’ve been wreckless they can place restrictions on you
So with that in mind should I avoid £800 on car repairs or should I take the chance whilst I have it? Some of them are safety critical, like the brake hose and brake discs both needing urgent replacement

Some context: I started a crypto mining business at the end of 2021. In the beginning, I sold crypto miners and various electrical equipment to those who wanted to mine bitcoin and other cryptocurrencies. Obviously, the sales stopped coming in once crypto prices plummeted and by the end of 2022, I was stuck with a bunch of miners that were a tenth of the price they once were. Unable to pay my debts with business cash, I decided to start paying with my personal money ever since. I still have around $20k in debt, but I can’t keep paying with my personal finances.
I know I should not have been doing this as I filed as an LLC, but I didn’t know what else to do at the time and was scared of bankruptcy. To make things even worse, I moved states so I’m not even in the same state that the LLC was filed. I don’t even know who to contact to get information about bankruptcy or debt management. I just want to be done with my business. Is there any hope for me to get out of this? Since I’ve been paying the debt with my own personal finances, am I now personally liable for the debt? I’m in a tight spot financially and cannot afford to keep paying off my business debt. Any help is welcome.
For now, I’ll just be over here crying in my corner.

So as the title says, I am in a bit of a pickle with the amount of debt that I have, but I feel like it is a bit more uncommon than most situations and I am wondering what my options are.
So I went to school to become a pilot and partway through I was diagnosed with type one diabetes, which is an automatic disqualify which is an automatic disqualifier for an FAA commercial for an FAA commercial medical. However, you can jump through a bunch of hoops in hopes to get a special issuance medical certificate.
So I elected to continue my training all the way through a multi engine commercial certificate and partway through my certified flight instructor license before I decided that my health wasn’t going to be good enough to meet standards for a special issuance medical and I changed majors. However, I racked up $180,000 in debt; 140k in private and 40k in government loans.
Currently, I’m using the snowball method to tackle this, but my payments are roughly $1600/mo wondering if there’s any way to help relieve this. I was able to get on the save program for my government loan so I only paid $50 a month for that. I also don’t want to consolidate my loans because my interest rates vary between 3% and 4.6%.
Any advice or programs that I could apply for to help eliminate some of this debt? Is it also possible work around way to apply for bankruptcy? could I potentially sue my school to get some of that money back?