I’m a 26 year old girl. Eldest daughter in my family. I moved to the US 2 years ago from Africa all by myself. I was running away and escaping severe trauma (still haven’t processed it entirely because it’s so hard to even believe that it happened) sometimes I feel so shocked by it that I have looked into parallel realities and such and what if I am in a coma and I am dreaming this…even two years later lol. At the time it happened, I somehow had a visa to the US on my passport so I made a decision in my dissociated mental state to make a permanent move 8000 miles away where I knew no one, had nothing. It all happened in a matter of two weeks.
All my life I think I had it good. I am not the type of person that wants or needs much, I am easily happy as long as people around me are happy, don’t care for external validation or such (someone that practices in the psychology field has told me that I exhibit autistic traits and this one is heavily one of them: i knew I was neurodivergent but not necessarily for that particular trait)I had a good job, had my bachelors in Software engineering (wasn’t a fan lol), loved, loved, loved my friends and family and just life. I thought it was colorful and pretty but I also always had guilt for having it so good while the rest of the world suffered so I have always had a problem with gratitude.
Growing up, they thought us to practice gratitude by reminding us of how many people lacked basic needs, how many people lacked health etc…and I HATED IT. To me that felt like every time I say thank you to God/source/universe i was thanking “him” for making me “special”, “a chosen one” to be able to have food when other kids didn’t. Even as a kid I asked “I am the same as them though, I did not do anything special to earn it, so why” I didn’t think I didn’t deserve it, i always acknowledged that it was my human right. But it was theirs too. So it felt off. For me gratitude felt like something to practice in extraordinary, like a lottery. Because that is excess, not really a human right. So I could say thank you for something that “special”. Moments of the day that are set apart for gratitude to me were so uncomfortable: a reminder that something bigger than us somehow chooses to nurture me with my basic rights while denying others exactly like me from their basic rights. My heart hurt. In hindsight most adults hated when I challenged them like this. It was as if I was bursting their bubble.
Living in Africa, there isn’t really any middle class. Its either upper or lower. And those two are forced to co-exist together in the same space everyday. You walk out of your mansion and you see someone who hasn’t eaten for 3 days. That’s what shaped my stance on gratitude. I DID feel lucky, but just couldn’t give thanks. It felt I was ignoring the self fortunate. I had always said if there will ever be a day where the world is fair and just and everyone is fed, that will be the day you hear me praise a higher power. (Ik this was long lol I hope the point is clear now, i usually used to be misunderstood on this).
Fast forward to 2022, moving here with only my savings. I reach out to ppl I had known in good faith. I state that I expect nothing from them in terms of welcoming me as I literally popped out of nowhere and I have heard repeatedly the US lifestyle is so busy. Many are shocked by my move, they say they can cosign my apartment for me since I still had paperwork and SSN work being processed and such and some even offer I stay with them for a month or so. Up until that point I have always had such smooth, loving, deep relationships with people with zero to none bad experiences (besides my trauma but I have good practice of being careful to not project, deflect or make society pay for my traumas) so I had zero trust issues at the time. And then begun the hell I have not left to this day.
What I have experienced since then genuinely feels like a movie and writing it here is the first time I am seeing it from an outsider point of view and it feels even crazier. My first ever and only other post on here was my first time that I experienced severe mental and emotional abuse. By someone that knew very well the amount of trauma I went through AND by someone that actually heard I was out here and voluntarily reached out to help. To this day I haven’t gotten an answer for that. I was so in shock but I was in no contact with my family, no friends, having panic attacks by the day. I also immediately got diagnosed with an incurable eye disease that you don’t usually discover until its in the late stages. I spent most of my savings on just the diagnosis stage only for it to be incurable. Meaning, I wont be able to drive anymore.
When I finally escaped from that person, another person that heavily volunteered to help me cosign a place, switched 100% on me the day they signed. They made me watch sexual acts between them and their partner, bodyshamed me in front of men, forced me to host strangers (men) in my home b/c they “co-signed” (didn’t happen, I refused but they put me on blast the next day saying I am stingy), would come to my home unannounced and enter without knocking, having sex on my pillow and let me sleep on it and would just laugh at me the next morning, would send me on errands for their lux activities with only my savings even though they knew I had no job, and just severe mental abuse. I can never get through it all. Even their s/o would say “hey thats too much” to some of the things. To clarify, by co-signing i mean as a guarantor. They have never spent a single cent, not even the co signing fee. I was still in a state of shock and dissociation so I couldn’t stand up for myself. And the fact they offered to be my guarantor just cornered me. The couple of times I tried to they would make sure to say what they did for me and would verbatim say “i will drop you like you don’t exist”. Eventually I walked away. As an eldest hyper independent daughter that has always been scared to accept help but had to unlearn that and for this to have been my first experience of being open to help was beyond traumatizing.
Since then I have just cried every single day, gotten into a lot of debt just to pay rent, bills and food. Sometimes I dont have anything eat for three days and my belly hurts. I used to have longgggg hair, i am basically bald now. I’ve lost 50lbs. I can’t recognize myself in the mirror. I have applied to more than 2000 jobs, but having no Corporate America experience its so hard to stand out in this job market. And for other “regular” jobs, I dont drive due to my eyes and I am not in a walkable city. I go weeks/months without stepping outside/not even seeing sunlight. I am sooo happy to still be housed but this is a complete 180 from the life I had and mentally I am crushed. Not even sure what is making me push. I give myself credit for not falling into “bad” habits and addiction. The few times people have heard me out they suggest I date a “rich” guy because I am a “catch”. That doesn’t feel right to me. Transactional love is just wrong in my eyes. I am a lover girl. I would be able to get back the tangible qualities in my life, true, but at what cost? Another person’s heart? Idk.
I managed to get a retail job near where I live. I was doing well. It barely overed rent but it means I wasn’t borrowing money so it felt good. It belonged to a big corporate and they were struggling with their marketing. I would offer my knowledge since I used to be a marketing manager for a big company back home. I wasn’t doing it to get promoted but I wouldn’t have hated that. I was just happy they gave me a job and this was me giving it my all even in areas that aren’t covered by my role. My managers were terrible at their job but they found my inputs valuable I guess. Guess what they started doing lol….they started giving me their login information to their work accounts and would tell me to “do my thing” while I was sitting in the shop I worked at. I was doing it, I didn’t mind. I thought its just adding to my experience. And one night one of them invited me to their home and gave me soup and bread and butter (I try to clean up well but you can tell I am malnourished). I wasn’t a fan of the food but I ate it because it was a nice gesture. They added one more bread and said in a “sweet” voice “now that’s enough for tonight”. I find out minutes later that the soup and bread was them paying me for doing their corporate job for them that week. The dehumanization I felt is just something else. But I just smirked it off and went and cried at home. (To clarify…they did that bc if they paid me in cash I won’t get taxed and that is just wrong according to them. They are a patriotic American).
Next thing you know. One night I was walking back from work I got assaulted by an old man. The worst trauma so far. Its been 6 months but I haven’t recovered still. The police were called by neighbors and such but he had already left bc i screamed and fought him off when ppl heard started showing up.
Just experiences like this over and over and over. I lost the job bc the shop shut down. Although I am still on their payroll because they want to be able to call me whenever they need my services. Not even sure if that is legal but I am still learning about things out here, I have no guidance, things are sooo different here and that’s probably why I have been taken advantage off so much.
Recently I got into the law of assumption and such bc I am just so so so so tired. I miss my family. I miss food. I miss TV. I miss people and physical touch. I miss not crying every night. I miss feeling protected. I dont feel like an adult i feel like a little girl out in the woods. Two years is a long time to be stuck in this. I never thought I would have debt but here I am. I have so much potential in this world but I feel stuck and so unseen. no one sees me. And when they do they abuse me. Physically, emotionally whatever. I have tried meditating, eft tapping, all of it but that is so hard to do when you are starving. The law of assumption gave me relief. The entire concept of you create your reality made something click in me.
All those years that I empathized with the less fortunate, the people that starved, the unhoused people, me refusing to not identify with them because I didn’t wanna be out of touch….is this a result of that? As someone who has never liked putting blame on others (I try my hardest not to because my focus is change and blaming will never give me the results I want so I usually turn to what can give me change and if that is myself that is such a relief bc the one thing I can change is me) that’s why I loved this LoA thing. But once again I am EXTREMELY tired. I joke with myself sometimes that if my brain was a bladder it would have been out if use a long time ago lol not even sure what I am trying to achieve with this. My phone bill cuts iff tomorrow so I guess this is me trying to maintain connection with the world until further notice.
But truly I am tired. I’m soooo tired. I dont see the light at the end of the tunnel anymore. I’ve fought so hard with zero reward but now I just want to rest. I have tried everything under the sun. What can I possibly do?

I'm 44 with no retirement savings. I just completed a Chapter 13 bankruptcy 5-year repayment plan, so I have no debt either, and I make a decent income, so I think this is doable, just need to understand how much I need to save each check/month now.
Salary: $200k
Bonus: $30-$50k/yr is pretty normal
Other debts and bills I pay each month that persist:

• Mortgage - $1800
• Child support - $1800
• General expenses/utilities - $1200
• Car payment - $325

From here I don't know what needs to go into a savings? Just everything left minus some spending money?
Based on my post-tax income, after the above, I wind up with about $5k (which a large % of that was going to the bankruptcy plan previously). I was thinking if I could start with $3k/mo into some retirement vehicles and then a good % of any bonuses I receive, I should be OK.
Can anyone offer some direction on this? Thanks.

Hello,
I was looking at the financial offers of my schools again and looking at what I should expect to borrow in loans and opposing it to the average student loan debt amount after receiving a bachelor.
First off, I am from a no-income family, which has no savings, and got the maximum FAFSA. And my family will contribute nothing, other than being willing to sign a PPL (Which I am grateful for, but would prefer not to). Here are two colleges' offers:
College A: [Work Study not factored in - 3k amount]
Cost before any loans - $14.223 K After Federal (5.5k) - $8.735 K
College B: [Work Study not factored in - 2.4k amount]
Cost before any loans - $20.955 K After Federal (5.5k) - $15.455 K
How do I pay these without taking out loans? I could possibly work full-time this summer to get a recommendation from a fast-food place for a scholarship for College A, and then it would be achievable but difficult. But College B looks insurmountable, which is funny because it is the in-state of the two. So I beseech of you! What do I do?
PS: For knowledge of dream (I understand these are very difficult, and unlikely, but I would still like to try) plans: Physics major (With 2nd major in math, or minoring in it). Doing research as much as possible at the colleges (College A has more programs for it, College B has 'better' professors - they have better CVs). Partaking in math competitions. Maybe starting a cryptography club, because I couldn't find them at those colleges. Taking GRE and GMAT (& Putnam for fun). Going to Graduate school for physics (Not sure what yet), hopefully on West Coast ie Stanford/UW/UCLA/etc.
Please let me know anything, from advice to fact. Please! TYSM for reading this, and sorry for the length.

Originally 5 subsidized and 6 unsubsidized, currently 1 consolidation loan: FFELP Consolidation, currently stuck with Navient (for many years)
Entered Repayment: 8/23/2005
Principal: $51,884
Interest: $93
Interest Rate: 2.88% (fixed)
Current monthly payments: $360.58
Income: currently $0, but will be changing hopefully soon to an amount I cannot remotely predict, but very likely under $65K for up to 3 years of internship, and hopefully more after that.
TL;DR: is there any benefit to try and change my current student loans via reconsolidation to, I believe it would give me, FFELP direct loans? My goals are twofold: pay as little per month as possible without getting stuck with a shitty interest % or giant payments in the future, and qualify for any loan forgiveness options that apply to me (I have never worked public service so PSLF is not an option I'm considering).
*
More Info:
All of my loans are graduate school, I graduated summer 2005. At that time, the interest rates were about to go variable and estimates were as high as 10% or more so I immediately took the consolidation option that claimed a fixed 5% life of loan rate and started paying during what should have been the 1 year grace period while I was already broke AF. I've seen that "fixed" rate change over the years, and while my memory isn't perfect, I believe it's always gone down (but I have a vague memory that it was closer to 2% than the 2.88% it is currently, but no documented record that I know of on that).
I've been trying to follow all of the various student loan forgiveness options over the years (including attempting military service, details at the end of this post) and during covid finally gave up trying to track after finding out that my loan type didn't qualify for any of the covid-related relief and then applying for the debt relief program November 2022 that was promptly defeated in courts. After this I've had so very few spoons to deal with trying to keep up.
Last night I discovered this subreddit, read a ton until way too late, learned there is presently some "one-time" payment count adjustments toward IDR and that I can apparently consolidate (again?) into direct loans through the ED where forgiveness and other programs that I've been totally missing out on are available? However, to get in on the payment count adjustments, am I correct that I would have had to apply a little over 2 weeks ago which I couldn't have done because I didn't even know? Do I have any option to get in on this? Is it better to suck it up and stay with the loan and terms I have now with Navient, the servicer that I hate SO much but have learned to just deal with all these years?
I'm so confused about what does or doesn't apply to me because my loans have never qualified for anything previously because they are the wrong type (as if I had a choice at the time I applied - it was the only choice they gave me via FAFSA application at the time, as if I even remotely understood or could predict the ramifications for my future back when I was 23 and took out these stupid loans - the worst financial decision I've made in my freaking life), and I wasn't aware I could potentially consolidate them to be the "right" type to get any relief I've missed all this time, and I've been so scared of going IDR through Navient for ALL THESE YEARS despite numerous stints of unemployment and underemployment because, as far as I could tell, my guaranteed fixed interest rate that wouldn't ever go above 5% would be removed - potentially meaning later in life I could owe exorbitant monthly amounts if/when I ever made more. I spent years of choosing to go without food before I went without paying back these stupid loans that I cannot ever file bankruptcy to remove and Navient has been THE WORST about trying to apply for any changes other than changes to terms that give them more interest %.
I'm presently not working but hopefully will be within the next month or less (ZERO concept of how much I will be making as I'm working toward a psychology internship that will only pay me for actual client hours and not any of the in-between hours, training, workshops, planning, case notes, etc., and depends how many clients come into whatever internship agency hires me as well as what their reimbursement rate is), and my tax return from last year was laughably low, so IDR right NOW would almost certainly give me a very low, if not a $0 repayment. Navient wont give me an unemployment deferment because I'm not on unemployment insurance as I voluntarily quit last November to try and change career paths (back to work related to the graduate degree I've been paying toward for all these years).
When I was 34, I even applied for a "critical shortage" position with the Army because, at the time as I had just learned which is why I applied, there was a student loan forgiveness program if you stayed something like 4 or 6 years in a "critical shortage" job. After several months of application processes, numerous tests (both intelligence as well as medical), getting 10 years' worth of my residency, school and medical records, and more, I qualified for the position but 2 weeks before I turned 35, I was declined for medical reasons. There was a medical waiver option, but that took 4 weeks to get and you age out for entrance at age 35.
I have no other debt and my credit rating is in the "excellent" category (because of this stupid student loan that I always prioritized over even food).

General FHA loan requirements include:

• The loan must be for a property used for your primary residence.
• The property must be appraised by an FHA-approved appraiser.
• The property must be safe, sound and secure, in compliance with minimum property standards as defined by the U.S. Department of Housing and Urban Development, or HUD.
• You must have a valid Social Security number and be a legal resident of the U.S.
• You must have a minimum credit score of 580 with a down payment of at least 3.5 percent, or a minimum credit score of 500 with a down payment of at least 10 percent.
• You may not have delinquent federal debt or judgments, or debt associated with past FHA loans.
• You must have steady employment history.
• You must make a down payment of at least 3.5 percent of the purchase price. If the down payment was gifted by a family member, documentation is required.
• You must have a DTI ratio that does not exceed limits.
• Any judgments or collections on the credit report must be resolved or satisfactorily explained.
• Any required waiting period has passed, as follows:

EventWaiting periodWaiting period with extenuating circumstances (nonrecurring events beyond your control that result in sudden, significant, prolonged reduction in income or a catastrophic increase in financial obligations) Chapter 7 or 11 bankruptcyFour yearsTwo years Chapter 13 bankruptcyTwo years from discharge, orfour years from dismissalTwo years Multiple bankruptciesFive years if more than one filing in last seven years. Most recent bankruptcy must have been caused by extenuating circumstances.Three years from most recent discharge or dismissal ForeclosureSeven yearsThree years, with additional requirements after three years up to seven years:90 percent maximum loan-to-value purchase, principal residence, limited cash-out refinance Deed-in-lieu of foreclosure, preforeclosure sale (short-sale), or charge-off of mortgage accountFour yearsTwo years

General FHA loan requirements include:

• The loan must be for a property used for your primary residence.
• The property must be appraised by an FHA-approved appraiser.
• The property must be safe, sound and secure, in compliance with minimum property standards as defined by the U.S. Department of Housing and Urban Development, or HUD.
• You must have a valid Social Security number and be a legal resident of the U.S.
• You must have a minimum credit score of 580 with a down payment of at least 3.5 percent, or a minimum credit score of 500 with a down payment of at least 10 percent.
• You may not have delinquent federal debt or judgments, or debt associated with past FHA loans.
• You must have steady employment history.
• You must make a down payment of at least 3.5 percent of the purchase price. If the down payment was gifted by a family member, documentation is required.
• You must have a DTI ratio that does not exceed limits.
• Any judgments or collections on the credit report must be resolved or satisfactorily explained.
• Any required waiting period has passed, as follows:

EventWaiting periodWaiting period with extenuating circumstances (nonrecurring events beyond your control that result in sudden, significant, prolonged reduction in income or a catastrophic increase in financial obligations) Chapter 7 or 11 bankruptcyFour yearsTwo years Chapter 13 bankruptcyTwo years from discharge, orfour years from dismissalTwo years Multiple bankruptciesFive years if more than one filing in last seven years. Most recent bankruptcy must have been caused by extenuating circumstances.Three years from most recent discharge or dismissal ForeclosureSeven yearsThree years, with additional requirements after three years up to seven years:90 percent maximum loan-to-value purchase, principal residence, limited cash-out refinance Deed-in-lieu of foreclosure, preforeclosure sale (short-sale), or charge-off of mortgage accountFour yearsTwo years

Debt-to-Income Ratio Limits

Two DTI ratio figures are calculated when considering an FHA mortgage. The front-end DTI ratio is your total monthly housing expense, which includes the mortgage principal and interest, mortgage insurance, homeowners insurance, property taxes and applicable homeowners association fees, divided by your total monthly income. The back-end DTI ratio is your total monthly debt obligation, including housing, minimum credit card payments, auto loans, student loans and any other required monthly debt payment, divided by your total monthly income.Standard FHA front- and back-end DTI limits are 31 percent and 43 percent, respectively. If you earn $3,500 per month, your front-end DTI cannot exceed $1,085 and the sum of all your monthly debt obligations cannot exceed $1,505. f Applications for borrowers with lower salaries and higher DTIs are manually underwritten. Manual underwriting means that your lender assigns a person to review your loan application and documents, versus running your information through an automated underwriting system. Manually underwritten FHA loans allow for front- and back-end DTI ratios of up to 40 percent and 50 percent, respectively. To qualify for these higher DTI limits, you will need to meet other requirements.

General FHA loan requirements include:

• The loan must be for a property used for your primary residence.
• The property must be appraised by an FHA-approved appraiser.
• The property must be safe, sound and secure, in compliance with minimum property standards as defined by the U.S. Department of Housing and Urban Development, or HUD.
• You must have a valid Social Security number and be a legal resident of the U.S.
• You must have a minimum credit score of 580 with a down payment of at least 3.5 percent, or a minimum credit score of 500 with a down payment of at least 10 percent.
• You may not have delinquent federal debt or judgments, or debt associated with past FHA loans.
• You must have steady employment history.
• You must make a down payment of at least 3.5 percent of the purchase price. If the down payment was gifted by a family member, documentation is required.
• You must have a DTI ratio that does not exceed limits.
• Any judgments or collections on the credit report must be resolved or satisfactorily explained.
• Any required waiting period has passed, as follows:

EventWaiting periodWaiting period with extenuating circumstances (nonrecurring events beyond your control that result in sudden, significant, prolonged reduction in income or a catastrophic increase in financial obligations) Chapter 7 or 11 bankruptcyFour yearsTwo years Chapter 13 bankruptcyTwo years from discharge, orfour years from dismissalTwo years Multiple bankruptciesFive years if more than one filing in last seven years. Most recent bankruptcy must have been caused by extenuating circumstances.Three years from most recent discharge or dismissal ForeclosureSeven yearsThree years, with additional requirements after three years up to seven years:90 percent maximum loan-to-value purchase, principal residence, limited cash-out refinance Deed-in-lieu of foreclosure, preforeclosure sale (short-sale), or charge-off of mortgage accountFour yearsTwo years

ZoomGov meeting number: 161 583 2082
Password: 207441
Telephone conference lines: 1 (669) 254 5252 or 1 (646) 828 7666
(Members of the public, the press and parties in interest may participate by audio only using a telephone)
United States Bankruptcy Court
Central District of California San Fernando Valley
Martin R. Barash, Presiding
Courtroom 303
Calendar: Friday, May 17, 2024 - 9:00 AM
1:24-10646
#1.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For An Order: (A) Approving Sale Of Substantially All Of The Debtor's Assets Free And Clear Of All Liens, Claims, Interests And Encumbrances; (B) Approving Assumption And Assignment Of Unexpired Leases And Executory Contracts And Determining Cure Amounts; (C) Waiving The 14-Day Stay Periods Of Bankruptcy Rules 6004(h) And 6006(d); And (D) Granting Related Relief
#2.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For Entry Of An Order: (I) Authorizing The Continued Use Of Its Cash Management System; (II) Authorizing The Maintenance Of Certain Pre-Petition Bank Accounts; And (III) Authorizing Banks To Release Administrative Holds And/Or Freezes On The Debtor's Pre-Petition Accounts
#3.00 Synapse Financial Technologies, Inc. Emergency motion of Evolve Bank & Trust (Evolve) For An Order Directing The Debtor To Restore Evolves Access To The Debtors Dashboard System; Or, Alternatively, Authorizing Evolve To Close All Of The Debtors Demand
#4.00 Synapse Financial Technologies, Inc. Debtor's Emergency Motion For Entry Of An Interim Order: (I) Authorizing The Debtor To Use Cash Collateral; (II) Granting Adequate Protection; (III) Scheduling a Final Hearing; And (IV) Granting Related Relief

Red Lobster has abruptly closed at least 99 locations across the country with restaurants shutting their doors in at least 27 states.
Tagex Brands, a company that handles restaurant liquidation auctions, told ABC News that Red Lobster recently contacted them to auction off items from 52 locations that will be closing.
The popular seafood restaurant chain began eyeing Chapter 11 to consolidate debts last month. The Wall Street Journal reported Tuesday that the company is now expected to file for bankruptcy "as early as next week," according to people familiar with the matter.
https://abcnews.go.com/GMA/Food/red-lobster-closes-multiple-locations-company-prepares-file/story?id=110253367

So, I live in Southwestern VA had some medical issues a little over a year and a half ago that forced me to resign from my high paying job after an extended medical leave during that time I unfortunately had to let some debts go unpaid and now that I am back working I've been trying to get things caught up but it's been difficult because I'm making half of what I was making before.
Today, I received a civil claim for money and that I have to attend court in July, I really don't have the money to settle the amount this instant and probably won't be able to settle in by July considering I am actively settling other older debts right now. Do I need to get a lawyer? Should I try contacting the collection agency and see if I can work something out? I would like to avoid court if at all possible, but if going to it could lead to a more favorable outcome, I would consider it but I really don't think I'll be able to afford a lawyer.
I was considering bankruptcy until I got my new job, but I can't afford to lose my car as it's my only form of transportation and also essentially my only asset. I thought I would have been able to get caught up before they started coming after me like this, so I'm really not sure what to do.
Sorry if this sounds kinda rambley, but I'm really stressed out about this right now and just want to figure out how to resolve it as easily as possible.

I went to a bank and asked for a loan. The banker didn't ask me what school I went to, what college I got into, what's my CGPA, NOTHING. All he wanted was….my financial statement. And it made sense why he asked it, because he wanted his money back. Makes sense,right? But I was pissed, duh.
That's when I learnt about Financial Statements. And it's a 2 mins thing, actually.
Here it is:
Financial Statements
Income Statement - A) Shows what all the income you're getting, B) what are the expenses occurring, C) Net income = A-B, which gives the net income finally.
Balance Sheet - Shows Assets & Liabilities. Simply, Assets are anything that puts money in your pocket such as rental income, or it is also something of great value like stock holdings, etc. And liabilities are things that take money out of your pocket, like debt, EMIs, etc.
Cash flow statement - This statement shows you how the cash is flowing. It can be a positive cash flow or negative cash flow. This is the most important element in your entire financial journey. CASH FLOW.
Essentially what determines something as an asset or liability is just how the cash is flowing. If it takes money from you, it's a liability. If it gives you money, then it's an asset.
So that's all it is. Simple yet most people are not aware of this, and that's why this page exists.
Comment your thoughts! Or just any questions.
Follow for more content related to finance!
See you in the next one!

I’m failing at my job. It’s actually a decent job with a great money potential, but my anxiety and frankly probably just straight up laziness prevented me from performing the way I should have been. It’s like something in the universe is keeping me from doing what I need to do to provide for my family.
I was driving the other day and I almost got into a bad accident. Instead of being scared or mad or whatever the normal emotion would’ve been, my immediate thought was “that probably would’ve been for the best.” I’m not suicidal, I’m not hoping to die or anything, I’ve just started to realize that my life insurance is more valuable than my pathetic attempts at providing for my family.
Idk what advice I’m asking for. After that near accident, that thought scared me. I know my kids need me, so I immediately scheduled a Dr on Demand call with a psychiatrist. I’ve never had any mental healthcare in my life, but I know I need to do this for my children. The psychiatrist asked me 5 questions and prescribed escitalopram. I felt unhelped and rushed, maybe even brushed off. So I scheduled an appointment with a therapist for tomorrow.
I guess if anyone has any recommendations on telecom business sales careers near Indianapolis, that would be so helpful. Or if anyone has ever been in a similar situation, I just need help. Any wisdom or reassurance would be great.
I cried putting my kids to bed the other night and I just couldn’t tell them why. I just couldn’t tell them that their daddy is too much of a fucking loser to give them the life they deserve. I can’t explain to them what financial hardship is, bankruptcy, debt, or how most dads my age own their own homes and have a savings built up and that they’re the unlucky kids who got stuck with a lazy piece of shit father that can’t get anywhere in life.

1/ foreigners sold 8200 B VHM since 1/1/2024, about $350M. This is on top of about 10k B VND VHM foreigners sold in 2023. Link: https://m.cafef.vn/khoi-ngoai-ban-rong-1-ty-usd-tren-hose-tu-dau-nam-2024-vuot-qua-gia-tri-ca-nam-ngoai-dieu-gi-dang-xay-ra-188240515003342213.chn use google translate to read.
As I have explained, some are real foreigners but a large chunk is Vuong Pham dumping through foreigners! Many people dont know this, they think foreigners are foreigners not relating to Vuong Pham. No, there are foreigners for hire to dump. In Vietnam. In Amerca as well. Look at YA II. This is the shady financial world that ordinary people don't know about. After all, Vuong Pham needs huge money to finance Vinfast.
Who were the buyers? Clueless Vietnamese retail investors. The pro and real foreigners have been liquidating their holdings while they can. PYN has sold all of their VIC / VHM holdings for quite a while. Other funds are doing the same.
2/ On 05/14, the State Bank of Vietnam sell $400M to banks for payment. Link: https://vneconomy.vn/ngan-hang-nha-nuoc-tang-quy-mo-can-thiep-ghim-cuong-ty-gia.htm use google translate to read.
It is known that Vingroup needs to pay about $310M around this time for the half of the $620M exchanged foreign bonds.
So it is a high chance that Vuong Pham is dumping VHM and buying $ to pay debt due. This is just debt payment, not new money for business!
This has pushed up the vnd / usd exchange rate.
Vuong Pham is wrecking the Vietnam economy and few people know. Anh this will continue until Vinfast bankrupt.
Translate to Vietnamese and share.

This story starts with me being unemployed and having about $6-7,000 in savings while living with my parents, to getting employed, earning more than I ever had before, and yet being almost never so broke. Him requesting money is done through SMS unless otherwise stated. I don't think I'll be putting a TLDR in, it's sort of a lot regardless.
Why am I telling you this story? There's a strange phenomenon that concealing guilt or shame, or something, isn't good for you. That isn't necessarily what I'm feeling, I am only trying to move on as expediently as I can think of ways to do so. Rather than have my inner circle in the know, as I have had before, I have decided to post into the void.
*Not every transaction is detailed, some are recurring with the most noteworthy ones being bolded in chapter form. There are 82 transactions and this is sort of a long story, so I cut some fluff out by excluding a lot of them. *Note, for all the amounts borrowed and offered to pay back eventually, I repeatedly told them not to worry about it and that I didn't consider them my debtors, this is true to the end of the story, and I will not be seeking financial remuneration. After 4 months of working with nothing to show for it I am simply going to just enjoy knowing that I now get to keep the money I make.
The beginning:
It all started with picking up a tall young man walking by the side of the road in QLD (where I live). The man had been walking for hours in broad daylight and was all sweaty, trying to get to the nearest large rural town some 40 minutes away from where I live, which is also where I was going. We do the usual thing and try to make small talk to break the ice, sharing some personal information like if either of us is studying or working our age difference (which isn't that much, me being slightly older). he told me he was walking to see a mate in town about his car, if his friend had repaired it yet. Because he wasn't sure whether it would be fixed, we made an arrangement that I would also pick him up on my way out of town back home.
So, I do, and we do more small talk to the point of having an actual conversation, he also tells me he has a 2-year-old daughter. This is a significant detail because it is what drives a lot of the sympathy I had for his situation. There is also one thing about that conversation that stands out to me, and that was the impression that this guy was not very good with money because he said he frequently wants to buy something and then wants something else so he sells the first thing he bought to pay for the second, sort of like he couldn't help it or something. I couldn't relate. On the way home together I point out where my place was and drove past to drop him off at his. It was at this point or when I dropped him off in town that I gave him my phone number and said to text me if he needed a ride sometime.
Some days later he texts me asking me to lend him $50 for fuel because his place has no power (I would later learn that his property is not hooked up to the electrical grid and his family uses a generator for power). He wanted me to send it to his PayID number, which is something I had never used before. The next day he and his missus want a ride into town and back to check out a bus(?), he also wanted to borrow $100 which he said he would pay back in a couple of weeks. Before I left town, I got a call from a place I had sent my resume in to and they offered to start me on their employment process, to which I agreed. Yay! They stay in town overnight and made it to a pub, he called me later asking for something like $180+ for drinks and asked me to pick them up the next day, thanked me for funding their (apparently very fun) night out and informed me that the bus is very nice and will be getting delivered to their property in a few days (neither of them had the appropriate license to drive the bus, his father did except he did not come with us and I never met the man). He also asks for $200 to pay off a debt to his brother-in-law, would also pay that back to me as $300 in two weeks.
The next day, near dusk, he asks me for a lift into town to do some grocery shopping at a servo. I show up at his place and his mother wants to tag along, and she has an empty jerry can for fuel to use in the generator. So away we went, for a 90+ minute drive for the third day in a row, except near dark this time. I was beginning to get a little tired of the lack of forward thinking (why didn't you go shopping before I had to pick you up from town yesterday?), but there is so much more to come... I also gave him another $300 that night for some reason and $50 the next day to renew his Spotify subscription.
Two days later he asks me how much I'm actually willing to lend him, I said $500 but pleaded that he has to make it last a while, he agreed. He also informed me that he would now have to pay for the transportation of the bus to the property, and two days later told me that he was $300 short ($800) total to bring it 80kms. That's borrowing nearly $1,000 in two days, he also said this would be the last time he'd borrow.
It's at this point that he asks me what total he owes me, I was getting back to work at the time and told him to check his bank transactions, but I definitely took this as a sign of goodwill that he was keeping track to reimburse me even though I was telling him that he owes me nothing.
The worker's compensation claim:
A couple of days later he asks me for $170 to take his missus out for the night, winds up at the Gold Coast needing $500 for accommodation because he "didn't think things through". Good news is that his missus' car is now registered so I won't have to give them rides anymore, and more good news is that he's getting worker's comp in two weeks to the tune of $3,000 for his hand getting crushed on his last job (he stated this had left him unable to bend 2 or more fingers), he lastly states this money could pay back the $1,650 he owes me (his calculation). Next day $200 for fuel home, then $500, and he asks me to deny him any further transfer. He sends me a picture of the bus, a 1979 Albion Viking. I couldn't find the picture he sent me on Google, so I guess there really was a bus and I really did pay for the pricey transportation of a 55-year-old vehicle that had depreciated to nothing. He said he would send pics when he cleans up the inside, but they never came.
The very next day, he claims my very final $500 transfer did not go through (this may have actually been the case because I transferred the money between accounts for a faster transfer and then to him in less than a minute, so I suppose I just did it too fast or he was lying, but it was definitely gone from the account), to which I said give it a few days. Every day for the next 3 days he would tell me it still hasn't come through.
The nephew:
On day 4 of the final transfer, he stopped telling me it hadn't come through, however he stated that his missus had a nephew (14-15) who was going through some things and was about to be kicked out of his home, needed $200 for fuel to pick him up and bring him back to their place. Okay, well if I can prevent a minor (14-15) from being on the streets by lending a little more, so be it. I went over to physically hand him the money for fuel and he informed me in more detail what was going on, and it sounded believable. A couple days later and he's asking $150 for fuel to return the nephew to his parents, and his missus is requesting $200-$300 for accommodation to stay for a few days to resolve the situation. They stay a few more days down there for a total of about $1,410, spent on food, rent, and trying to calm the boy down.
He also got an update regarding his worker's comp, said it'd be payed out within 6 weeks for approximately $10k, then he asked me for a loan of $1,000 with an interest rate of 40% so I'd get $1,400 back. I, at this point, questioned why in the world would he need a loan of $1,000 after all I'd given him, and his response is... "car" - I asked him to elaborate further and he said there was a car he could buy down there for himself at that price. I informed him that money was actually getting very tight for me despite working now. He didn't get the car. I was also thinking that I would only have to go without having money while still working just until he got his worker's comp, my hope was that I could save and be content knowing his family would be looked after for a while.
I eventually called the bank to ask them if that final* $500 transfer had actually gone through on their end and they said it had, but to trace the transaction would incur a fee of $20, now knowing this and not really wanting to pay it I decided I would triple check if, after all these days, he had gotten that final* transaction: "Yeah, just came through today bro"
Considering this disregard for my time and neglecting to keep me updated on things to be just a quirk of my new friend, not wanting to claim he had been lying, I pressed on in good faith that this could just be water under the bridge.
His missus contacts me and says she needs $290 because she found accommodation for her nephew, and that he had forgot to pack anything including food. Another $100. Then fuel back while the nephew stays at this new place for a week. $70. I had concerns with leaving a minor renting alone so far away and his schooling, but they were met with it was "just for a week" until they could find some place to put him closer to them, their new primary caregivers, that apparently could not be at their house. I was, at this time, under the impression that the nephew was living alone, yet it would later be revealed that he was not.
The tyres:
3 days later after setting the nephew up somewhere close enough to his school, the missus went to visit him and got two tyres slashed, $190 to replace. She goes to the tyre place and is told that all of the tyres need to be replaced otherwise it is not legal, so it's actually $390 for all 4 (I was skeptical about this and was on a work break at the time, still have not looked into the validity of the claim). Some more time passes and general purpose transfers take place. I am informed that the nephew has sorted out an Aus Study payment from Centrelink, but that I would need to transfer $200 for the nephew's necessities until it's actually worked out, and I would no longer need to pay his rent. Cool. At this point in time, I was working but not keeping what I made. I paid board at home, but the rest minus my fuel between work and home is what I refer to as the 'x tax' ('x' being a stand-in for the name of the person who scammed me). The requests would mostly happen around the day I got paid, with a believable frequent expense of fuel for the generator being at least $160 a week, not to mention fuel for their car and the infrequent requests from his mother to "pay back her friends"
Sometime later, the missus got another flat tyre from driving over a piece of metal on the highway, $75 to replace and they managed to get towed to the tyre place (I did inform them that they would have a spare tyre in the back of the car, but they claimed it had already been used "the other day when we had another one slashed"). They got another spare but used that as well.
The funeral:
I get a text at work from the man saying that his grandfather was in palliative care with only one or two weeks left, and that his cousin was requesting he and his mother go down to see him, so he asks me if I can help. I decided I should be setting a weekly limit or something so this new friend doesn't drain my bank account each pay day, so I gave him $100 and let him know that it's a hard limit. 4 days later, he tells me that his grandfather had passed 2 days prior, needed $100 to get down to his funeral. I could only give him $85 and told him I would be unable to fund his return trip, to which he agreed would be fine. 2 days later, after the funeral, he tells me that he and his mother need $200+ to get home, get food & drinks on the way back and that the rest of their family would not help them and that they "have no other way back". Getting tired of the lack of forward thinking in this family's affairs, I reluctantly agreed to save them once again.
5 days later I ask him when he gets his worker's comp payout so I can begin to save up money from work knowing he and his family is taken care of for a while, he tells me "next week hopefully". This was in late March. Queue more travelling and fuel costs to now go and cremate the grandfather as his wishes were for him and his mother to be there when it happens. Now, I thought the funeral had already happened and that was the end of it, but it turns out that was just the funeral service, which is something I was not aware was a thing. Due to this misunderstanding, I was very suspicious at this point and exclaimed in a text "You already had the funeral!" while thinking "you can't bury someone twice, is this evidence you are scamming me?".
They also needed accommodation, except I was so suspicious of this man that I requested he find and tell me the name of the hotel they'll be staying at, just so I can verify that is the actual price per head. Also, his mum blew another tyre, but they happened to be right outside a tyre place... again. He claims to not be having very good luck anyway. A request is made for money to take his missus out for her Birthday. I tell him in a lengthy text I had been working for 2 months with nothing to show for it and that I am much more inclined to assist him only with essential spending like fuel or food, and he claimed to understand that, then stated he would use a bit of the money for a small cheap present anyway. The present turned out to be $200 on layby and he needed another $60 to fully acquire it. I was telling him to tone down his spending to emphasis that he needs to live at or below his own means and that he wouldn't need my help if he had just bought a much cheaper present.
It'd been about 9 weeks since he told me it would take 2 weeks for the worker's comp (which was later changed to 6 weeks) to be paid and I was wondering if he had heard back or followed up. He said he did and that they would "get back to him" about it. So, now that hope I had that this was just a temporary situation wasn't holding up so well. Despite all the money I was giving him he had bills "piling up" and one urgent one was for a storage unit where he claimed to have a shipping container's worth of stuff and the owner was threatening to throw it all out if they didn't pay his 6 weeks overdue fee. Apparently, if he had paid just most of the fee he would get to keep his stuff there, which is what happened.
There was a wedding for his brother-in-law and on the way back he asked me if I could help him buy phone data, except the amount he ended up paying wasn't an option for renewal, it was about $5-$10 off from the options available (this just fueled my suspicion even further that something just wasn't right). Thinking that a scammer wouldn't voluntarily give money back, I tested him by asking him for $40 back when I overpaid him and well, that's where it went to, that mobile plan. When they returned home from the wedding they found that their generator had not been fueled like he reminded his parents to do and so they lost all the food they had in the fridge. I questioned why his parents didn't notice the power had gone out and all of a sudden there was a second generator that was for them(?).
Their landlord had apparently stated he would be requiring $200 in rent a week early because he has bills and rates to pay. He informs me that he hasn't got a proper contract to even be on the property and could be kicked out at any moment and that he "needed to keep his landlord happy". I couldn't help him pay that much (nor did I really want to give in to his landlord's outrageous demand) so I sent him a link to QSTARS where he could learn his tenancy rights, except it was Saturday which means he wouldn't be able to call them. Then I suggested that he may be able to get a faster response over the weekend to his situation by making a Reddit account (he asked me what that was) and posting on the shitrentals sub.
A few days later he tells me he has been posting there and learning some things, meanwhile I had been intentionally avoiding the sub so as not to invade his personal privacy, however some days go by and I am suuuuper suspicious by this point I look around for some thread or comment relating to his situation in the timeframe it would have been possible for him to make one. I figured if the situation was so urgent that he would at least try to seek advice over the weekend, but I didn't see any evidence of that, he also never told me if he called the tenant's advisory and I never heard anything about his rental situation again.
6 Days from when he refreshed his mobile data, he had apparently used the 30GB limit. I was astounded at this and knew it was going to continue to be my problem if I didn't find this man a better subscription plan with his provider, so I did, for $10 more he could double his data. Only, I told him that he could have the 6-month plan for more money if he wasn't going to use so much data and because it would have been cheaper for me in the long run too, he agreed. I also thought that if he were really scamming me he would choose the option that makes me transfer more money, which is what happened. I guess that's test #2.
The ending:
Which brings me to today. The nephew was brought back into the story because he had apparently been kicked out of his mates place he was staying at(?) and they needed fuel to go and get him. Kicked out of 2 places? Okay. So I do the transfer and I decided that the only way I could subtly (that is, without compromising friendship or alerting this man that I don't trust him) find out the truth is to visit him face-to-face much further up his property. I wanted to confirm if A: the nephew was real or not B: if there was really a bus and C: if there was a second generator. The best way to do this, I thought, was to just show up and not ask if I could come over because if he was lying about the nephew's existence he would probably say a lot of things to make sure I'd not be able to visit him while the nephew is there. I bring a 6-pack to his gate and realise that he isn't home. Okay. I go home but there's a request in my phone for money for school uniforms and supplies for the nephew to transfer to a local school that I'm intentionally ignoring.
Queue the next day and I get prepared to go again, but I get a text saying that they're out again in town, still waiting for me to transfer money for these school supplies. I had done a bit of research and found that it was either unlikely or impossible for a student to transfer schools within one or two days, or to start in the middle of a term, so I felt pretty confident that this was a situation that didn't need addressing urgently. Also, remember when the nephew sorted something with Centrelink to get Aus Study payments, the one where I no longer had to pay some or all of his rent? Well, that was no longer the case. now he is too young to get them, casually forgotten about maybe? Oh yeah, and he had to start school that day. Anyway, I tell the man that it may be possible to get a uniform from the school's uniform storeroom as that is an option for families with financial difficulty, he says that due to Covid they are out of them and that they tried that already...
Right, so now I ask him how the nephew got kicked out (not important), I just wanted to know if it was planned or sudden, if there was enough time to start the process of transferring from his current school to the local one in town. There wasn't! SO, I called him out, told him what he was saying wasn't possible and that his story sounded like a scheme to get money out of me. I asked him for an easy proof, simply take a picture of yourself with the nephew in the car to prove he's real. He denied trying to scam me and said the nephew and the missus are in the school trying to resolve the situation and that he couldn't take the picture. Instead, he sent me a different picture on Facebook of him and his mates being pulled over for something by the police(?) which he claimed just happened before. I could barely identify anyone in that photo, but it looked like he was the one driving the car(?). I said that I've given him too many passes and the benefit of the doubt, but not this time and that whenever he wants to provide a picture with his nephew, like when he simply comes out of the school(?), to send it my way. Somewhat quickly they got out of the school and the excuse for not taking a picture became "We are driving in the car now"
He says that the picture before is the only one he's got, I said take another when you can, then he goes on about this being the last time he needs fuel money and to do it and then he'll send the picture. I told him no transfer would be happening and I would be blocking his number in a few hours if he doesn't do it (I really do like to give people the benefit of the doubt, it's almost certainly what has led to this going on for so long). He sends me another picture on Facebook except this time it's him upfront (passenger side), his missus behind him, and a child in the backseat.
This photo looked a lot more like what I was asking for, except neither him nor his missus looked the slightest bit worried about losing my charity and the child in the back didn't look 14-15 like the nephew is supposed to be aged. Rejecting this photo for these reasons and stating it was an old photo he had, he kept asking for fuel money just so he would be able to get home and so I told him that if he asks again, I would be blocking his number. I also told him his lack of forward thinking does not constitute an emergency for me and that there are at least 4 adults in his household and surely someone has thought that if they left to go to town, that they would be able to return home. He said that if I didn't provide the fuel money, they would be stuck. I said if his mum (the driver) had to pull over anyway, it would be a good time to take that picture (which I changed to him standing outside the car with his nephew).
He said providing another photo wouldn't do any good as he claims the two he sent were proof enough... the first one really isn't related to the second, it's strange he thought that would constitute the proof I was requesting, really it just raises further questions for me... and that's about when I block his number (after previously blocking him on Facebook).

I've wanted to go all in to code a WP plugin from scratch with the goal of listing on their WordPress plugin marketplace. But I had no idea what to build.
The goal was to see if I could also make money, to pay off some debt and go from there.
I'm not a fan of tutoritals either, "Hello World" pisses me off.
I've done a bit of freelance work outside my 9-5 coding job. Mainly building WordPress plugins. And they've all been very tailored to what the customer wants.
I'm trying to get myself out there on social media. As well as start a tech/starup based newsletter. That's hard to getting going as well. Then it hit me. Could I create a WP plugin for my blog that helps grow my newsletter subscribers.
I'd seen this cool popup that wasn't intrusive and said "Press B to Buy now". Could I steal it on do "Press S To Subscribe" to see if I can get newsletter sign-ups.
Also, I wanted an excuse to sign-up to Github Coplit too. Using the 30 day trial to see if I could build the plugin without forking out any dosh.
It took me about 14 days part time in the evening using VS Code and Github Copilot to get it built and hosted, finally install on my WP blog too. Result.
Got a subscriber in the first week too without doing any extra work. Well happy.
Anyway, I've recorded a few walkthrough on my YT channel if you want to see how I did it
But the main reason I'm posting is to get honest feedback on the plugin and the website. I've called this little business idea SuperSub. You can check it out here https://supersub.site

I would put a few points justifying my conviction.

1. Placements - DMS ,IIT Delhi is clocking median placements near to IIM Shillong and IIM Indore. It has diversified tremendously. The biggest cohort is now made up of marketing professionals rather than operations enthusiasts. In the times of recession, older iims are struggling with summer internships, while DMS is able to place everybody with a median stipend(2 months) of 2.7 months. All premium consulting companies are visiting the campus including McKinsey, BCG, Bain, Pwc and Accenture strategy for backend roles. Some of them have shown interest in hiring for frontend roles also. Blackrock, State Street is skipping older IIMs and visiting DMS for asset management roles. Placecoms don't have to worry about companies because there are already 300+ companies visiting for btech recruitment. They have to influence only 25 companies from the group companies visiting.
   
2. Multiple sources of funding- DMS has proved that what government institutions can do if they are provided funding. Iit delhi started to focus on MBA program from early 2010. The program was running from last 2 decades also. But now it has taken central stage. DMS is most well funded department after the Computer Science one(you can check the annual reports of iit delhi). While newer iims are dependent on only fees, DMS is getting research grants, a good proportion of IIT Delhi budget and donation from the vast IIT alumni network. It is amazing that people who were B. Tech graduate 20-30 years ago are showing interest in donating to the programme.
   
3. Startup Culture - DMS has produced more startups than many IIMs combined. It is able to leverage the vast startup ecosystem of IIT Delhi. Young people are meeting with venture capitalists and getting opportunity to raise funds for their ventures. Low fees also adds the attraction towards startup culture because of very less debt obligations.
   
4. QS world rankings- DMS is fourth after IIM ABC in QS ranking of business studies. Most people would argue that DMS is getting advantage because of research points. Who cares if it is getting more marks in one criteria. Main point is it is earning reputation in the world. Who would have thought the Blackrock would visit DMS 5 years ago, it is the international rankings that are luring the companies. My friend from DMS IIT delhi told me that recruiters from Microsoft, Google are connecting with him because of reputation of IITs worldwide. I don't think people from other colleges have that much privileages. Probability of getting selected in Google, Netflix is pretty high if you are from DMS.
   
5. AI, Automation push- DMS is poistioning itself in a very comfortable position with the advent of AI. They are already very good in analytics and quote confident of occupying the AI space. It is an insider information that DMS is laying out a plan to thrive in the world of AI consulting and Automation consulting. This year students reported that inverviewers were very serious about AI. They kept on digging students for their interest in AI. Older IIMs are still thinking about conventional way of sales. DMS is already researching about predicting consumer behaviour by AI(refer to their research papers). They know that Ai would penetrate all aspects of business whether it is finance, operations and markeing.
   
6. Strongest cohort among major B-schools- Last time, avg cat percentile was 97.6( refer to the placement reports). You can guess what was the average percentile of GEMs.This time the average percentile of candidates will increase as they are rejecting people with 99.4 percentile. 53 percent people in the last batch were from IIT/NIT/SRCC. 23 months was the average experience of the batch. They are already taking people who are over-achievers. You can think what kind of exposure you would get in DMS IIT Delhi.
   

Edit- Some people are saying that I am trying to move BLACKI waitlist. I want to assure them that I am not a maniac or a sane person to think about that. Everyone knows that DMS is not even in top 10s. I am just betting on the future potential and the way DMS is positioning itself

Good morning. My question is do any of you know or have experience with debt contracts and bankruptcy? Can they be claimed and dismissed? Also I'm trying to make smart money moves so has anyone suffered from a lower credit score for debt to income ratios or age of average accounts? What's a good interest rate on a debt contract for a sub with a 680 credit score?
I want to enter into a debt contract without compromising my financial health. And maybe on the unlikely chance any Dommes are reading this..... Do you report to any of the 3 major credit bureaus? Do you offer reduced payment plans to avoid reporting to Transworld, FICO or Equifax? Thanks everyone. #readtheflair #dontignorethesharpsigns

Suppose I have three applications as below:
Application A: quality_score = 4.0, lines_of_code = 25,000
Application B: quality_score = 3.5, lines of code = 250,000
Application C: quality_score = 2.5, lines_of_code = 30,000
where the quality_score is an average over 4 metrics (bugs, code coverage, technical debt and duplications) as obtained from sonarqube for instance.
The current way I rank the applications is to divide the quality_score by the lines_of_code.
But I figured out that there are issues with this approach since applications with larger code bases might have lower quality scores and vice versa. is there a better or slightly less bias way to approach this situation

Hey folks! My fiance lost his job after the company got bankrupted, and he had been unemployed for 5 months. I moved to here on condition that I wont work and concentrate on developing my online project. I spent all my savings during those months being with him and decided to go to work myself. A week later after that he finally got a job. I didn't enjoy my work much and he told me I can quit. But at that time I didn't even know how big the debt was. It's 2 cards of Mashreq bank. Both had the limit 30k. Because he was not able to pay for almost half a year, the total amount of debt rn is almost -80 k dh. To say i was in shock, like nthg to say. It was a very dark period. And it's still continuing. I wanted to ask you guys if it's possible to refinance that debt by finding better conditions in another bank? We have talked to mashreq to make it 1k dh per each card monthly. They said we should pay 20 000 dh and then they can do it. Or pay 10 000 dh and then monthly payment will be 2k per card. They gave us only this week. We are trying to collect this amount but I'm afraid we won't be able to do it. Plus we are not able to pay 4 000 dh monthly. Means we need to find 20 k for a down payment. What other options are possible in this country? I Googled a lot about the individual bankruptcy but seems in UAE you can not do it as an individual. I feel lost. Because of all this situation I can not concentrate on my project. I've been freelancing for so many yrs already that working for smbd is really killing me. All my client base is in Russia. I will have to start here frm scratch if i go freelance. Plus I'll need a budget for advertisement anyway, get a driving license here, etc etc. All of that makes wokring for smbd is a better option. He is from Palestine btw. So leaving home is not an option. I'm frm Russia, and our political situation is also not a rainbow. So what can we do in such a situation with the cards?

Idk if anyone is even gonna see this but I have hit the biggest wall in my entire life and I'm actually so annoyed rn. I'm 17, 18 soon and I'm currently sitting my A-level/CAPE for sciences and communication studies (unit 1). I was fixated on going to medical school because I was thinking "Damn, sciences are so hard and I struggle with them especially cause I have such horrible memory, but I love learning all 3 of them and I like the challenge plus I'm passing" you get me? So I was saying I wouldn't wanna do all this, put in all this hard work (to me, its probably light work to someone else but idc bout them) to just stop at being a nurse, cause everyone is in my damn ears about being a nurse nurse nurse NO!!! I wanna go down a career path that'll be worth this hard work and I think that's fair. So I did some research and saw if there were any type of doctor that I was interested in and anesthesiology caught my attention and I was interested in It, so you know I continue to do deep research surrounding anesthesiology and those stuff to just know more about what's going on and I decide aight, imma do this!!!
So now I'm looking for schools cause I plan ahead, FAR ahead. And I see my 3 options....well 2, cause 1 of them is like half way across the country. So I check out my other two options right??? So option one is UWI faculty of medicine and I'm gonna admit that schools reputation is looking mad good which is good but it's so EXPENSIVE !!!! And i know medical school won't be cheap but oh my lord, so yeah I looked into school 2 and it's CSMSJ but they're weird, I tried calling and got nothing, emailing and got nothing and the aren't frequent with their posting on social media (to give options) so I was skeptical and my mom was too so I was telling my bf about how the school is weird and he looked into and said it seems they aren't so authentic cause their reviews are AI generated so I was REALLY bummed out.
So my home country is kinda wack with how the do things, so I'd have to go overseas to further my education anyway. So I was thinking...again, why not find a school in Canada that has a M.D program, offers residency in anesthesia and so on so forth. And I was then again researching, but schools this time with a distance limit. My boyfriend lives in Winniepeg so I'd have to stay close to there cause I'd be staying with him and his family if this was gonna work right??? But oh my goodness the amount of heartbreak I went through during this process is actually unfathomable. So there's 17 and 7 don't accept international students for medicine SPECIFICALLY and ig I can understand why-ish (btw one of these schools was University of Manitoba), and the others like University of Toronto and that one in Quebec is too far but they do accept international students, and today I found out about another one; University of Calgary and I thought they accepted international studies for medicine but then I'm seeing that they don't and now I'm a bit confused about that so I just set it aside for now.
Mhm...so going back to my home country, I'd probably have to go to UWI cause its literally the only option now, idc if its expensive but ik who will. My parents, they had not a single penny of college funds saved up for this moment, they make very poor financial situations and now the bank accounts are running dry, so I have to think about that too. I really do not know what to do cause sure I could go there but how wouldi complete my residency? Maybe they'd (a canadian med school) accept me then cause I'd actually have some qualifications [UWI offers a Bachelor of Medicine, Bachelor of Surgery program (M.B.B.S) and its 5 years full time and I think they have a pre med too that's Bachelor of Basic Medical Sciences (BBMedSci) and its for 3 years full time]. I would look into other schools in other regions but idk anyone from the US (family member I mean probably would have to ask mom or smtg) and I have my grandma in the UK so ig I could think of there too.
I just want someone, anyone, whether with experience or not I just wanna know what to do because all I do and know is sciences, I did some business and Information Technology too but those aren't at A-level, so I would prefer to do a occupation which requires sciences. My bf was telling me maybe I just have to switch career paths bc this is a veeerryy long process that will require money that I don't even have, I'll admit I got a bit upset with him because he's basically telling me to give up now, I mean whatever I haven't actually started but I was prepared and I was ready and now it's all these different problems popping one after the other and maybe I should listen to him and just do something else apart from obtaining generational debt. Idk and I just wanna get this figured out before it eats me alive !!! Please help, what should I do???