Buy here pay here car lots winston salem nc

Winston-Salem, NC and surrounding areas

2010.05.10 02:00 druid_king9884 Winston-Salem, NC and surrounding areas

Welcome to the Official Winston Salem NC Subreddit. Enjoy your stay!
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2012.11.06 18:19 DOPE_AS_FUCK_COOK Ask a Car Salesman, Managers, or Finance managers anything!

We are one among thousands of subreddits that have [united in a coordinated protest/blackout](https://www.theverge.com/2023/6/10/23756476/reddit-protest-api-changes-apollo-third-party-apps), aiming to bring Reddit's attention to the significance of our concerns regarding the recently implemented API changes. AskCarSales will remain private Sunday, 06/11 through Wednesday, 06/14 Save3rdPartyApps PLEASE DO NOT MESSAGE US VIA MODMAIL.
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2018.03.28 02:31 rassmann Personal Finance For The Financially Challenged

Financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. No Judgement, just advice!
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2024.06.09 12:09 asdfghjklelle Suddenly Struggling With Insecurity Months After Boyfriend Cheated. Help

Long Backstory if you want to read it :) -
It’s currently 3:47am and I just have a pit in my stomach so I can’t sleep. To start this off, I do not want any comments of “Just leave.”, because I genuinely believe this is the love of my life. I’ve never connected with anyone better. I’m not leaving. So my partner J dated his ex from Sep-Dec 22, broke up. Was hooking up in May of 2023. C (his ex) started dating someone around then. J (my current bf) had just been head over heels for her, waiting for her to come back.
Fast Forward to September 23, he pulls up next to me on the highway and we start kinda toying with each other because we both have sport cars (for non car people it’s just flirting but with exhausts LOL). He follows me to where I’m going, asks for my number - we INSTANTLY connected. September - November 23 we’re dating and he asked me to be his girlfriend October 29th. I’m not going to explain how, but him and C reconnected somehow. Nov 10th. He told me he was going to buy a car part off someone from fb marketplace. He went to a parking lot to go sleep with her in his car. She was in the same relationship at this time. She cheated on her partner as well. But J knew about her partner. J didn’t tell her about me. Long story short she ends up going psycho because he told her it was a huge mistake and he’s committed to me now and she messaged me exposing him. Somehow, we healed from it and got over it. He is overly supportive on anything he can do to make me feel better. We now have Life360. Sometimes it does make me sick to think about what happened but I get over it. Life is so beautiful and amazing with him, I was able to overcome the hard times.
Flash forward to today. Someone told me C and her partner broke up. I’m just so anxious she will try and contact J and he will give in like before and I will have no idea anything happened. It’s just a bad feeling it makes me wanna vomit. He said I’m his everything now and forever and is willing to do anything he can to change/help me but I literally don’t know what to have him do. I do logically know he wouldn’t cheat again. But he did once and now I feel like I can never trust him again. I wish be could go back and never cheat the first time :( How can I as a person get over these feelings? I do know he is loyal now. But I’m just fighting myself.
Thank you for reading, I’m sure they’re bigger problems on here than mine.🩷
submitted by asdfghjklelle to Infidelity [link] [comments]

2024.06.09 11:57 ReadyContact9736 Breaking Down the Everton Takeover

Hello Evertonians! I am an FC Barcelona fan, based in Los Angeles, who works in Sports Finance. My neighbor and his wife, who are Evertonians, came over to chat and understand what’s up with the club. It's Saturday night here, and I didn't have anything better to do, so I dug into things.
I will try to simplify things from what I read and the conversations I have heard. I am not involved with the buyout but know folks who are. It's a much smaller industry where everyone knows everyone.
Here we go.
The Debt
MSP Sports Capital has two distinct security arrangements:
Rights and Media Funding is a five-year rolling credit facility. Think of this as something similar to a credit card. Here is where you get conflicting information. A significant discrepancy in reporting, which in my opinion can be a dealbreaker. A few outlets report this loan is secured by future payments from transfers/media, etc. I likely believe it is secured against Everton’s bank accounts, fixed charges over Everton’s property portfolio (near Goodison Park), and a floating charge over all other unencumbered assets. (Shoutout to The Esk, he is an absolute gem). This RMF debt accrues a 10.25% interest.
These are the loans that Everton will have to pay regardless as they are secured well.
Loans to 777 Partners (Inherited by A Cap) are likely junior to these two loans. In any bankruptcy event, MSP and RMF get paid first before 777 Partners and Moshiri. However, A Cap says their loan is secured and they are senior creditors of the club, which would put them at the same level as MSP and RMF.
The Timing
Something that came up in the chatter was the timing of this takeover. It is interesting as Everton is due to receive prize money payments from the league which are stood at £133 million. This is the money the club receives from the overall competition commercial pool, which is distributed to all the teams, based on a few things, for example, their position in the league table at the end of the season.
Folks involved in financing other clubs have said this payment likely hits before 30th June. There is another payment due in August/September which is the first tranche of payments from the league. (Unsure on this one, but this is what I heard, payment flows vary a lot).
Despite the timing, the payments would go only so far in helping the club and were likely factored in during takeover talks. My bet is the takeover is likely to complete before 30th June, or at least a structure is agreed upon. 30th June is the deadline used for accessing Premier League Profit & Sustainability Rules (PSR) compliance.
If deals can be done before that “deadline”, they fall within transfers for the 2023/24 season and are included in the club’s financial accounts for last season, rather than moving into the new campaign. If the plan of the new owners is to recapitalize the team, pay down some debt, and sell players to avoid another PSR violation penalty, my bet is the deal gets done before June 30th.
The Sale
The Buyers As of today, June 8 11:00 pm PDT, here are the potential suitors:
Hear rumblings of another group, but almost everyone is looking to finance the takeover using debt along with equity. Many suitors will be willing to provide debt-based financing for the purchase, hence allegiances are bound to change.
The Possibilities
Here are the things that can happen. I am simplifying this to the bare minimums. The actual deals are complicated af and take months to put up and months to complete.
Possibility I: New Owner comes in, pays all debt, and recapitalizes the team
Highly unlikely. The Premier League is a lucrative league for almost every single private equity investor. It’s the league that is expected to continue to grow and firms take less downside risk when buying a team versus a team in a league like Serie A.
However, this would cost any new owner over £1 billion. My bet it costs somewhere around £1.3 billion. Deals of this size happen, but Everton is in a unique position and negotiating from a position of weakness. In my opinion, only someone in the Middle East or a single buyer would be able to pull this through. No one in private equity would commit to this, as they are all answerable to their investors.
Simply put, Everton is not worth £1.3 billion.
Possibility II: New Owner comes in and negotiates with creditors
A likely option. In this case, a new owner comes in and negotiates with the creditors to either forego some of this debt or restructure it over an extremely long period of time at low rates. This would make Everton a more lucrative option. However, the club would still owe a lot of money over the long run and will be paying interest on that loan.
This would mean Everton is run like a lean machine for a few years, with fewer resources going towards things like player transfers, etc. It would, however, still be able to stay afloat.
Possibility III: MSP Capital exercise the option to take majority control of Everton
Another likely option. More likely than Possibility II. MSP Capital takes majority control and would, in all honesty, look to buy out Moshiri. They will need a lot of capital, and they are already pulling strings, putting up their stake in FC Augsburg for sale last week. MSP buy out Moshiri, restructure some of the debt, and put up some more capital. They would likely clear the RMF loan first.
The managing partner of MSP Sports Capital, Jeff Moorad, was a professor of mine in a class I took at UCLA. He is an absolute beast, and an amazing dude to hang with. Unbiased view, MSP is actually highly respected in the industry, and widely regarded as having a razor sharp approach to finance.
They are known to take long positions, but I think Everton would likely be a position they hold for the short term, IF they go alone on this deal. (This is my take, not Professor Moorad). It would be akin to what Elliott Investment Management did with AC Milan when their Chinese owners backed out. They would step in, stabilize the ship, hope the new stadium attracts enough new commercial and matchday revenue, and sell the team to another buyer recovering some of their investment. What Elliott did with AC Milan was absolutely legendary, and in no world would Gerry Cardinale and RedBird have bought AC Milan had Elliott not done its job.
INSIDE INFO HERE: I cannot reveal others in the MSP Sports Capital consortium. Texted a former colleague who is at the firm that are bidders with MSP. If the consortium is agreed upon, MSP comes in with others, who are capable of buying majority control, and running Everton over the long term. MSP in this case would still retain a minority stake. The new stadium holds the key to this deal.
Possibility IV: Everton goes into administration
Cannot rate this option or its likelihood. Let me walk you through this. Administration is a major taboo in the football world, but something extremely common in finance. It is a way for a firm to basically restructure its debt and get back to good health. It does not mean the club ceases to exist.
The preferred way that things are done is through a method called ‘company voluntary arrangement’ (CVA). In a CVA, a deal is put forth, which creditors vote on, usually giving them less money than they are owed, with voting power decided based on seniority. In this case, MSP and RMF would get more votes in the say versus A-Cap and Moshiri.
CVAs are extremely common in the EFL and other leagues, with advisory firms literally minting millions every year, doing nothing but advising teams here. In the Premier League, only Portsmouth has ever gone into administration. Going into administration would see 9 points being docked at the start of next season for Everton.
The Pros of this approach:
The Cons:
There are some speculations online as this being the preferred way in for new owners. I doubt it, but the threat of administration is enough for even the world’s biggest banks/financiers to come to the negotiating table. Every possible new owner would hold this gun over Moshiri’s head, to get him to agree to a deal, and forgo as much of his loans.
Some Questions I think are FAQs
Is Michael Dell buying Everton?
No, Michael Dell is not buying Everton. Michael Dell’s family office is DFO Management, which was formerly known as MSD Capital. MSD Capital was Michael Dell’s family office, meaning it exclusively invested his money. However, in 2009, MSD Capital opened up to outside investors and became an investment firm of its own. In 2023, MSD merged with BDT to create BDT+MSD, the firm that is backing the Bell and Downing bid.
They do still invest some of Dell’s money, and Dell may be their biggest investor, but as far as I know, BDT is huge itself, managing some of the capital from the Walton Family (Walmart), the Pritzkers, and the Mars Family. BDT’s founder, Byron Trott, is worth about $3.2 billion alone. Trott is considered a legend at Goldman, where he helped Buffett structure his investment in Goldman Sachs during the financial crisis of 2008. One of my ex-bosses worked at Goldman during this period under Trott’s team and considers him a legend, even saying he single-handedly saved Goldman Sachs by convincing Buffett to invest and structuring some wild deals.
One thing I know for sure is BDT+MSD would likely pursue a debt-based financing structure. They are not built to go heavy into equity-based financing for sports teams. BDT+MSD have already done a bunch of debt-based deals; Everton won’t be different. In the scenario where Bell and Downing succeed in taking over, Everton would likely owe a lot of money to BDT+MSD.
Would Bell and Downing with BDT+MSD make sense?
My take here is no. Running a football club is no joke. Even though Bell and Downing being Evertonians makes it ideal, I am not entirely convinced of their ability to run a team. Everton would still be severely constrained financially, as they would owe money to BDT+MSD, and Bell and Downing wouldn’t be able to pump a lot of cash into the business from their end.
There is nothing that guarantees Everton will not see the same scenario as it does now, three years after Bell and Downing take over. Private equity folks make sense, as they come in knowing they may know other clubs but don’t know much about Everton. They will, by default, bring on Evertonians on the board, and will have much more incentive to run it over the long term, as the only way they see a return is through actually growing the club economically, which only means a better Everton on and off the pitch.
Are BDT+MSD backing only Bell and Downing?
No, BDT+MSD are free to back anyone in the contention. They are committing to debt-based financing, so as long as the buyer is credible enough, they should have no problem going ahead. Considering they are backing Bell and Downing, I would be surprised if others in the race did not get better financing terms.
As I said, allegiances in debt-based financing are fluid. The hard truth here is BDT+MSD would likely be calling up other potential buyers who bid to see if BDT+MSD can provide financing for their deal. Debt-based financing for a Premier League club is pretty much a dream scenario for any firm, as the underlying asset securing the loan is more stable than in other deals.
Simply put, BDT+MSD are not competing with other potential buyers; they are competing with firms like JP Morgan, Sixth Street, Ares, Arctos, etc., who may want to front one of the buyers.
What’s up with A-Capital?
I do not know. Conflicting things online. I doubt A-Capital will get to invest anything more in Everton, through debt or through equity. I also read that their financial position is under question as the rating they rely on no longer reflects their financial standing. However, I still do not know what there position is.
Who do I want to see win the bid?
Biased towards MSP Sports Partners because of Jeff Moorad. If they pull the consortium through, and the other investors take over the majority club, all I can say is Everton would be lucky. That being said, there are plenty of other people willing to buy Everton with MSP. As of now, the one most likely, along with MSP, would be a dream scenario.
Also, it wont take time for someone entirely new to emerge as a suitor. That is how consortium works. People are surprised, but its literally like texting friends to pitch in and creating a group chat. Things happen over Telegram/Whatsapp/Signal. My boss had once raised $xxx million for a deal texting the LP in the deal. The conversation went along these lines.
Prospectus sent over Mail + WhatsApp
My Boss : What do you think?
LP : $xxx m 👍
LP : Jeff also $xx m and Jake $xx m 🤝🤝
I can bet there are plenty of group chats of potential consortiums that may enter bidding. Everton FC is low-key a bargain, the debt will eventually get restructured. There are plenty of more messy restructurings that have happened in Finance before. Creditors eventually cave, but its a dogfight.
Enough written. Feel free to drop any Qs you may have, I will answer them to the best of my ability and knowledge of Everton’s finances. Massive shout to The Esk. The guy seems incredibly passionate about Everton.
I really hope you guys pull through, I know you will.
submitted by ReadyContact9736 to Everton [link] [comments]

2024.06.09 11:46 Mitokia This guy Economics 2: Electric Boogaloo

This guy Economics 2: Electric Boogaloo submitted by Mitokia to thisguythisguys [link] [comments]

2024.06.09 11:33 Hondurasgoldencoffee How to Choose the Right Coffee: A Guide to Finding Your Perfect Brew

Selecting the right coffee can feel overwhelming with the myriad of options available. From different origins and roasts to various brewing methods, there’s a lot to consider. Whether you’re a coffee novice or a seasoned connoisseur, here’s a guide to help you choose the right coffee, find the best taste, and make an informed pick.

Understanding Coffee Tastes

Coffee flavor profiles can vary widely depending on several factors, including origin, processing method, and roast level. Here’s a breakdown of what to consider:
  1. Origin: Coffee’s flavor is heavily influenced by where it is grown. Here are some general characteristics of coffees from different regions:
    • Africa (e.g., Ethiopia, Kenya): Known for bright, fruity, and floral notes.
    • Latin America (e.g., Colombia, Brazil, Honduras): Often have a balanced flavor with notes of chocolate, nuts, and caramel.
    • Asia (e.g., Indonesia, Vietnam): Typically exhibit earthy, spicy, and sometimes smoky flavors.
  2. Processing Method: The way coffee is processed after harvest affects its taste:
    • Washed: Clean, bright flavors with more acidity.
    • Natural (Dry): Fruity and sometimes wine-like, with a fuller body.
    • Honey (Semi-Washed): A balance between washed and natural, with sweetness and some fruitiness.
  3. Roast Level: Roasting brings out different flavors in coffee:
    • Light Roast: Retains most of the bean’s original flavors; often bright, acidic, and fruity.
    • Medium Roast: Balanced flavor, aroma, and acidity; often has hints of caramel and chocolate.
    • Dark Roast: Bold, rich, and sometimes bitter, with deep chocolate, smoky, and spicy notes.

Choosing the Right Coffee for Your Taste

  1. Identify Your Preferred Flavor Profile: Think about what flavors you enjoy in other foods and beverages. Do you prefer fruity and tangy, sweet and nutty, or bold and smoky? This can guide you towards certain origins and roast levels.
  2. Experiment with Single Origins: Trying single origin coffees can help you pinpoint your preferences. Each region offers distinct characteristics, and exploring them can be a fun journey. For example, if you enjoy bright and fruity flavors, start with an Ethiopian coffee. If you prefer something smoother and chocolaty, try a Brazilian coffee.
  3. Consider Your Brewing Method: Different brewing methods can highlight various aspects of the coffee’s flavor. For instance:
    • Pour-over (e.g., V60, Chemex): Accentuates clarity and brightness; great for light roasts.
    • French Press: Enhances body and richness; suitable for medium to dark roasts.
    • Espresso: Concentrated and intense; works well with medium to dark roasts.

How to Pick the Best Coffee

  1. Freshness Matters: Coffee tastes best when it’s fresh. Look for roast dates on packaging and aim to consume coffee within a few weeks of roasting. Avoid pre-ground coffee if possible; grinding beans just before brewing ensures maximum freshness.
  2. Quality Indicators: High-quality coffee often comes with certifications such as Fair Trade, Organic, or Rainforest Alliance. These indicate ethical sourcing and sustainable farming practices.
  3. Small Batch Roasters: Consider buying from small batch or specialty roasters. They often pay more attention to quality and offer a wider range of unique and high-quality beans.
  4. Read Reviews and Ask for Recommendations: Customer reviews and expert opinions can provide insights into the taste and quality of different coffees. Don’t hesitate to ask for recommendations from baristas or coffee enthusiasts.
  5. Sample Different Coffees: Many roasters offer sample packs or smaller quantities so you can try a variety of coffees without committing to a large bag. This is a great way to discover your favorites.

Conclusion

Choosing the right coffee involves exploring different origins, understanding how processing and roast levels affect flavor, and considering your brewing method. By identifying your taste preferences and paying attention to freshness and quality indicators, you can find the perfect coffee that suits your palate. Enjoy the journey of discovering and savoring the diverse and delightful world of coffee!Selecting the right coffee can feel overwhelming with the myriad of options available. From different origins and roasts to various brewing methods, there’s a lot to consider. Whether you’re a coffee novice or a seasoned connoisseur, here’s a guide to help you choose the right coffee, find the best taste, and make an informed pick.Understanding Coffee TastesCoffee flavor profiles can vary widely depending on several factors, including origin, processing method, and roast level. Here’s a breakdown of what to consider:Origin: Coffee’s flavor is heavily influenced by where it is grown. Here are some general characteristics of coffees from different regions:
Africa (e.g., Ethiopia, Kenya): Known for bright, fruity, and floral notes. Latin America (e.g., Colombia, Brazil, Honduras): Often have a balanced flavor with notes of chocolate, nuts, and caramel. Asia (e.g., Indonesia, Vietnam): Typically exhibit earthy, spicy, and sometimes smoky flavors.
Processing Method: The way coffee is processed after harvest affects its taste:
Washed: Clean, bright flavors with more acidity. Natural (Dry): Fruity and sometimes wine-like, with a fuller body. Honey (Semi-Washed): A balance between washed and natural, with sweetness and some fruitiness.
Roast Level: Roasting brings out different flavors in coffee:
Light Roast: Retains most of the bean’s original flavors; often bright, acidic, and fruity. Medium Roast: Balanced flavor, aroma, and acidity; often has hints of caramel and chocolate. Dark Roast: Bold, rich, and sometimes bitter, with deep chocolate, smoky, and spicy notes.Choosing the Right Coffee for Your TasteIdentify Your Preferred Flavor Profile: Think about what flavors you enjoy in other foods and beverages. Do you prefer fruity and tangy, sweet and nutty, or bold and smoky? This can guide you towards certain origins and roast levels.
Experiment with Single Origins: Trying single origin coffees can help you pinpoint your preferences. Each region offers distinct characteristics, and exploring them can be a fun journey. For example, if you enjoy bright and fruity flavors, start with an Ethiopian coffee. If you prefer something smoother and chocolaty, try a Brazilian coffee.
Consider Your Brewing Method: Different brewing methods can highlight various aspects of the coffee’s flavor. For instance:
Pour-over (e.g., V60, Chemex): Accentuates clarity and brightness; great for light roasts. French Press: Enhances body and richness; suitable for medium to dark roasts. Espresso: Concentrated and intense; works well with medium to dark roasts.How to Pick the Best CoffeeFreshness Matters: Coffee tastes best when it’s fresh. Look for roast dates on packaging and aim to consume coffee within a few weeks of roasting. Avoid pre-ground coffee if possible; grinding beans just before brewing ensures maximum freshness.
Quality Indicators: High-quality coffee often comes with certifications such as Fair Trade, Organic, or Rainforest Alliance. These indicate ethical sourcing and sustainable farming practices.
Small Batch Roasters: Consider buying from small batch or specialty roasters. They often pay more attention to quality and offer a wider range of unique and high-quality beans.
Read Reviews and Ask for Recommendations: Customer reviews and expert opinions can provide insights into the taste and quality of different coffees. Don’t hesitate to ask for recommendations from baristas or coffee enthusiasts.
Sample Different Coffees: Many roasters offer sample packs or smaller quantities so you can try a variety of coffees without committing to a large bag. This is a great way to discover your favorites.ConclusionChoosing the right coffee involves exploring different origins, understanding how processing and roast levels affect flavor, and considering your brewing method. By identifying your taste preferences and paying attention to freshness and quality indicators, you can find the perfect coffee that suits your palate. Enjoy the journey of discovering and savoring the diverse and delightful world of coffee!
submitted by Hondurasgoldencoffee to Honduran_coffee [link] [comments]

2024.06.09 11:30 gauleh-dai So many jobs available yet Nepalese won't do it

There are so many job vacancies in Nepal yet Nepalese (esp. youngsters) won't do it. Job vacancies mostly on these fields - Hotels, Security, Retail, even cleaners etc. Here are the main reasons why Nepalese don't/won't work in their own country.
  1. Pride - too much pride, one you are from middle class, other being educated at high level results/subject/college
  2. Ego - Low level jobs you don't consider a job but then you are still one of those who bargain heavily at cheap price to even buy one pair of socks or to buy fruits from street vendor.
  3. Complain - too much blah blah, this good, this bad
  4. Judge - Judging without actually knowing by yourself
  5. Comparison - Comparing between yourself and other, Nepal and Overseas, Gender, Class, Education etc.
  6. Mindset - Your mindset is puzzled, you rely on others, make decision based on strangers, social media even though some do advice greatly but when something goes wrong, you start to blame/hate them.
  7. Nepali society - you work hard on your study, you learn lot of things and even experience few things, you know what's right, what's wrong, you speak highly of yourself behind the screen, you think your thoughts are better, you think others don't have much knowledge than you. Most Nepalese youngsters are very smart, well educated, yet they cannot take action due to the surroundings of Nepali society around them.
My parents did not let me do that, what will my neighbor think? What will my friends/relative think? If I start to work as a cleaner or security guard when my field is IT but I haven't got job, it's hard, so much stress, life sucks! Blah! Blah! But you have found the cleaning/sales assistant/security guard job yet you won't do. All because of above reason and many more. Same jobs, you do it abroad, not just because of good pay but you totally can let go those above points because you are not in Nepal.
submitted by gauleh-dai to Nepal [link] [comments]

2024.06.09 11:16 Asmaron 2019 V60 D3 / High Oil Consumption

Hello, you wonderful people
Current Situation: my dad has a 2019 v60 d3 company lease with now 136.800km on the clock. We are currently planning for him to buy it out of lease in November when he gets a new one - and me driving it so I don’t have to buy a used car with unknown history
It started using up “a lot” of oil. He said it was basically nothing until a couple months ago, he had the “fill me up” light come on before my parents went on vacation (3 weeks ago) and topped it off, now (today) about 2500km later, it wants another 1L.
Previous Services: all done at the lease chosen dealership, the car went in for yearly services and received an oil change about every 44.000km (cause apparently everyone does that to not have to bring it in every 8 weeks). I’ve read that oil should be changed every 10-12k but I don’t know how true that is.
The car never had any issues besides the hatch being a bit funky
When I moved in late march we had to tow a heavy trailer about 400km - while my dad says that we were fine “cause there are safety margins” we probably towed more than the allowed 1600kg (I suspect about 1800)
———
I have read that there were some oil ring problems but as far as I can tell that’s for the first gen v60 and was solved in late 2016
I’ve never owned a car myself and my family is not particularly interested in them - cars go to the mechanic where someone who knows what they are doing is paid to do it
My dad drove the car very moderately keeping avg fuel consumption at 5.5l/100 for about 90k km, never drove really fast, basically never towed. As far as I know that may not have been the best thing for the engine as the cat never gets hot enough to really burn free
———-
I’m currently looking for more information.
You’ve got about all the info I expect to be important here…..
How problematic is this issue? What would possibly have to be done to safely buy out the car and not have a maintenance monster?
Thanks in advance
submitted by Asmaron to Volvo [link] [comments]

2024.06.09 11:12 Economy_Cut_8222 Take a trip into my life …

So this is my first ever Reddit post and I thought I’d share my ex story and maybe seek advice or some wisdom on the whole situation…
So to how we met it was actually at my job she at the time got a job there ( I know I broke the first rule …) but I’m usually not good with meeting new people so when she started to work there I kept my distance maybe a hello here and there she would even have this running joke cuz she thought I didn’t like here she would come in and say “did u miss me ?” And I would just say no or just laugh. A month goes by with that and one day I decided to talk to her and even offer to get delivery on some food and during that day she ended up finding my Instagram and my Snapchat and we started to talk there after our shifts we talked in snap chat for a couple day and ended up getting our phone numbers exchanged and started to text and FaceTime each other. At this pinky she became the only person I started to talk to talking late into the night on face time even falling asleep on the phone. She told me about her past and her up bringing (which wasn’t good but out of respect I won’t go into details ) . After a week or so of talking she invites to her place to hang out I accepted and went over I was nervous of course but I went anyways we ended up talking like we normally do and we played the board game mancala ( switch I never played in my life ) and I told her about some fidget sword toy I got in the tik tok store and she ended up scratching her initials into it but overall it was probably the best experience I had with someone for a long time especially since it took me 2 years to heal and move on from my ex before her. So after a couple weeks of talking hanging out etc she ended up making the first move and told me she loved me . I was in shock I didn’t know how to process it but all I could do was smile (I eventually said I love you back after the none stop smiling lol) so we started dating…. And at the start things were amazing FaceTiming all night talking all day every day etc etc then one of my triggers from my last ex before her came up ….. I was a jealous person and she was spending a bunch of time with a different coworker at the time and it would cause fights …. To the point where it was every day but when I would try and communicate how I would feel it was always responded with stuff like “I’m not ur mother it’s not my job to sort thru your feelings “ which she was right i should of had a better handle of my emotions at the time …. So after 3-4 months of constant fighting and name calling and arguments we ended up splitting up ….. and she ghosted me …..me being the person I am cuz I really liked this person I constantly would call her text her leave voice messages begging her to at least here me out or to At least send a message back all she would do is call me crazy or leave me on read …. So after a week of doing that I ended up giving up I didn’t text her I didn’t call her nothing during this time we still worked with each other ther so I tried to be civil at work but it was also hard because we weren’t talking also during this time I found out she started to see someone new a guy she met on a dating app and started to date him one day I confronted her at work and asked who he was etc etc and she told me who he was and that she wanted to be with him and “ that’s it’s not her fault I couldn’t get my shit together “ and that she wanted to be friends with me so I just let it be after a while we continued not talking and I gave her her space then one day she called me early in the morning like 4am she left his house and wanted to talk just like we used to at first I was hurt saying how can u call me right after leaving ur boyfriends house ? She then told me that they aren’t dating they were just friends and that she was using him for sex …. Even then I was still shocked I would say things like isn’t that not fair to him what if he actually likes you ? She would then say that he is probably doing the same thing to her and that she didn’t care after that conversation I just hung up and put my phone on DND and went to bed…. Well those 4 am calls started to become more and more frequent as and I started to be ok with just talking to her and that’s all it was for a while just talking ….. but we started getting close again and started to spend time with each other hanging out etc then started relationship type of stuff started to happen again and things were great again ….. till I found out she was still seeing that dating app guy saying the same thing that they aren’t together and that me and her weren’t together and that she can’t wait forever for me to get my shit together …. After I found this out my mental went down hill I started checking her phone for messages when I went to her house started more arguments cuz one night she would see me and the next she would seee him but she like tell me things like she loves me and wanted to be with me and say they are friends but would say the same thing to him slowly I felt like I was losing my self never knowing what to believe and what not to ….and for a while that’s how things were …. We would fight she would ghost me for a day have him come over and the next day talk to me like nothing happened then would see if I wanted to hang out for the day …. And during this time I was providing for her I would give her money buy her whatever she wanted I would build things she would buy on Amazon I would fix her car etc the list goes on and on and after a while I told her I was done cuz it just seems like she was using me and of course she would tell she wasn’t and that the money and everything didn’t matter and I couldn’t believe her so we didn’t talk for a week or 2 during this time this guy called me from a random number and told me things like she slept with our boss that she told him that she’s only talking to me cuz of the money and things and I was extremely hurt by this so I confronted her about this and at first she denied it but when I told her I was done and to never speak to me again she then came clean about the boss thing saying it was only one time she was alone and stuff he gave her the right attention and she took it . I didn’t know what to say so I hung up and just continued with my day she continued to text and call me but at first I would just read it or decline the calls then eventually I gave in and started to talk to her again and hang out with her even after everything and even knowing that she’s still seeing the guy still providing for her and doing a bunch of stuff for her ….. but the same problems always came up we would fight cuz she was spending time with the guy felt like she was using me etc etc and after a couple months of that we stopped hanging out all together she told me it was cuz her grandma and her kids moved in (which they did she didn’t lie about that) but what I later found out was that the guy from the dating app was seeing her almost every day while she would tell me things like “the house was too full and messy for me to come over “ once I found this out I was done I told her that and then she dropped a bomb on me which was that she was getting abused that he would show up banging on the door going in and fighting with her even hitting her and she even showed me proof of it like photos and conversations with family members about the abuse …. She said her family wouldn’t help her and she was scared so because I cared and loved her I stayed I offered to keep her company and keep her safe which she declined she said she needed to figure it out on her own which I understood and I just tried to be there for her the best way I could while still providing for her helping her with bills food money etc but it got to a point her all she would talk about is him saying he’s crazy his this he’s that and after weeks of that I got so mad that I did some name callin and said some hurtful things that to this day I still regret but I know I can’t take them back and she said I’m just like him and we didn’t speak for a couple weeks or if we did it just be a fight then little over a month ago we started talking again and u know started up again providing for her being there for her helping her with random problems and we started to move forward until recently … she’s been going on a lot of vacations which I never complained about I’m always down for enjoying life especially after what she’s been thru so I just told her have fun text me whenever u get there stuff of that nature then of course I don’t hear from her or if I did it was just short messages which I didn’t think to much of it at the time just thought she was having fun and was busy then a day or 2 before was suppose to be back someone old me whose was the guy that she posted on her Instagram story I said idk and they showed me once again I was hurt so I contacted her about it and she told me it was a friend that she reconnected with from her hometown that she grew up in and that she’s not gonna stop living her life and wait for me to get my life together so later that day we been talking still and I looked at her Facebook story to see a bunch of pictures of them being together hugging kissy faces etc even one with them at a house together being “super close” and I was back at square one with me being hurt …. So eventually she comes back and we start talking again things are a bit awkward but I still try and prove to her that I love her and that I want to provide for her … so her car had a problem and of course I’m the guy that always worked on her car so I offer to take it and she says yes we set up a time to meet for the next day and continued to talk the next day come I get there early gave her some money and she told me that her aunt found someone to look at it for cheap which I was ok with so I got her Starbucks and got in my car when I was about to leave I saw the guy from the vacation which at this point I wasn’t able to control my emotions and I stormed inside and told her how could she lie to me and I asked for the money back and left the next day she told me who the guy was it was the ex she was with before she was with me (mind u this is the guy she told me was a manipulator controlling psychological abuser )and she told me she wants to take the relationship seriously that she sees her self marrying him in a year or at the very least engaged and asked if we could still be friends and cool but I couldn’t accept that cuz I was still in love with her and it wouldn’t be fair to me or her new relationship and I took a step back now she says she’s happy and he makes her happy etc which part of me would be ok with that if I didn’t find out he was gonna work at our job lol so not only do I have to keep my distance from her out of respect for her new relationship I now have to work with her boyfriend while hearing how happy she is and that she wants me to leave her alone lol ironic ….. well the reason I’m posting this here and not some other relationship Reddit is cuz we are kinda in a no contact we only text about work no calls no personal text just work and that’s it
If u took the time to read this I appreciate it and any advice or thoughts on the situation is welcomed !
submitted by Economy_Cut_8222 to ExNoContact [link] [comments]

2024.06.09 10:58 Estimate-Chance Been a few days....

Been a few days.....
Yeah, I been gone a few days. Not gone like away anywhere, but off here. Doing some thinking and restructuring my life. Its kind of weird to be honest. I changed so much about myself for her to make her happy. When I really was not paying attention to myself. I am noticing that now. I stepped away from the trying to talk to her, and forcing myself on a situation I honestly can not control. I mean I can't make her love me, I can't make her talk to me, I can't make her come back. I already said everything I needed to say, whether it be text, email, or letter, hell even voice message. Which Honestly made me feel like a fool, and a complete nut job. If she isn't gonna read or respond, I cant make her. So why have I kept sending stuff? I finally figured that out. Made things a little easier too, I mean once that thought came to mind. It made me think hmmm, just maybe she was not the person she pretended to be the last 3 years. Maybe just maybe over. So what do I do. I told her everything, I have been quite alone lately, pretty much punishing myself for something she is doing to me. Shit, I am a damn victim. That's the thought I got now. Time for me to move on, and not like move on move on... But to keep moving forward, without her. Her loss right? She did change me though, I have noticed it when some people have been coming by recently. People I thought were friends, but yet now I have found them to be more offensive than ever. Like super judgmental. Hell, they only came by for me to change their car battery, and yet came off offensive? How is the that doing me any favors? It's not. I have noticed a lot more about myself and others. Being alone really has not been a bad thing. I have reached out to people who I know need help, Offer them a job. One was a job paying 17.50 an hr. They fucking told me it was not enough,,,, ahhhh They are currently jobless, and about to get evicted... (we can see why now) Another person, is jobless, been an office body all their live... Had their car repossessed, and about to get evicted. Offered them a very small job, just coming to clean shop once a week and to do my laundry. Offered a 100.00 bucks for 4 or 5 hrs worth of work... They got mad at me. Then demanded me to take them somewhere.... Is it just me but people don't know how to take help when being offered? I mean I am not rich, I am far from saying I can live comfortable. Yet, they want more? When I am just being nice offering what I can. Starting to see people for the monsters they really are sucks. But I don't plan on being hurt like i have been again. I dont blan on dating, or hooking up I really dont care to even go out anymore. People are just fucking fake. Love does not hurt. If it hurts its not love. Anyways ttyle
submitted by Estimate-Chance to ScrapyJLessons [link] [comments]

2024.06.09 10:49 dkswift 35, selling biz for $17M… help me not dumb.

I’m 35 and selling a service business for about $17M to private equity… what to do?
I commented here several months ago about the sale of my business. Was told to focus on the close before worrying about investments.
Well, we close next week and I want to be smart with the money and continue to grow the exit $ for future generations while also living how we do now and making one particular purchase.
There are several investment questions, but let me paint the current picture.
2024: $10M pre-tax 2025: $2.7M pre-tax (the earn out; not guaranteed) 2026: $800k (escrow) 2027-29: $6-7.5M (roll up; not guaranteed)
The cash consideration at close is $13.6M, but I’m planning to roll $2-2.5M into the roll up. My shares are the same class as the management team, so that feels like a good play. Lots of consolidation in our industry so it doesn’t seem unrealistic to hit the projected 3x return, but I’ve heard plenty of PE horror stories in here and from friends.
We live in a MCOL market. We’re renovating our dream home now and already have the cash to do that so we don’t plan on upgrading there. My wife doesn’t work. No vehicle upgrades or anything like that. Maybe I’ll buy a watch to celebrate? Idk.
Our only debt is the house will be worth $2.5M and we’ll owe $900k on the note.
I plan to work again or build another business in the future but this is the safety net to take a break and be with my family for a while then build the next thing.
My goal with the exit was to live as we do now($400-450k/year) off of the interest while also allowing half of the interest to compound and not be touched over time. I think I can do that on the cash at close.
I’m mostly familiar with real estate investing as an LP. Not tons of experience, but I’ve done a couple deals with people I know(several friends are in the REI world regionally around me). Most recently, I did a mobile home park investment where I got to write off 100%+ of the invested dollars due to bonus depreciation from a cost seg with preferred 8% return that’s already paying distributions.
Questions… - I love the LP mobile home park investment… 8% pref + big tax savings + money back in 5ish years after refinance, but keep the equity. Is it a bad idea to put 50-60% in these types of investments? - I love the MHP idea because of tax savings. Am I trying to avoid the $2Mish in taxes too much? - Recently read Tony Robbins’ The Money Game and it’s giving me cold feet about investing with a financial advisor. Plus I see everyone and their mother here seemingly is in just Vanguard S&P 500 funds. Am I overthinking not wanting to put $ with a traditional financial advisor due to the additional fees they charge, etc.? Am I overexposing myself by using a Wealthfront or better online option to invest in Vanguard or something similar? - Why is everyone so concerned about being liquid if you’re living well under the projected distributions of your investments? Every financial advisor I’ve talked with mentions liquidity like it’s so helpful. - Are there other investment vehicles I should be looking in to? - What am I overlooking or missing? Where am I not seeing things properly?
A fun question… My only plan to do something ‘fun’ is with the earn out $, if it hits. There’s a Discovery Land(luxury golf / community) property near where I live. I’d like to buy a lot in there. I don’t want to build because we already have the house we love, but it would be about a $2M purchase + $300k initiation. The initiation is 80% equity and I think I could sell the lot for more than it’s worth down the road as our area is growing. But it obviously isn’t a cash flow investment. Is this a horrible idea?
Thanks for any feedback!
submitted by dkswift to fatFIRE [link] [comments]

2024.06.09 10:47 kaej26 Babymoon (Europe)

Currently coming to the tail end of our baby moon in Mallorca and wanted to note a few things/recommendations.
Flew out at 31 weeks pregnant, flight was direct and just under two hours. Over 28 weeks pregnant so I got a fit to fly certificate 5 days prior to flying. Extra long compression socks to be on the safe side.
Husband and I have been to Mallorca before for our mini-moon when we got married two years ago.
ACCOMMODATION: We decided to get self-catered accommodation and are staying in the north-east part of the island this time. Last time we were in Santanyi which is more south-east. Our rental last time had a pool which we’ve really missed having this time around. It was nice to start or end the day with a chunky dunk.
TRANSPORT: We got a car rental when booking through the airline and that rental company ended up being Goldcar. They aren’t great and feel a bit scanmy. We paid 60 eur ahead of time to get full insurance, but on arrival you have to have credit card only in the bookers name to be able have that full insurance option, otherwise if it’s a debit card you need to pay 300 EUR extra for full insurance (even though you’ve already paid for full coverage via the airline). I took my belly seatbelt adjuster that pulls the belt below the belly for comfort.
FOOD: Breakfast/brunch has always been at the rental, then we’ll take a picnic to have on the beach as lunch. Dinner we either cooked or ate out.
BEACHES: It’s quite cliff-y around here so we were worried about beach accessibility and walking. Our first beach day we did Platja Cala Gat which is super easy to get to. Steps down to the beach, there’s a little cocktail bar and paid toilets. Perhaps our fav beach this trip.
Another day we did Cala Torta. You used to be able to drive down a lot closer to it but they’ve closed off the access and the last 1.5-2km until the beach is only accessible by foot. It was hot, but we took several breaks along the way down. Very windy though. There was a signpost saying that the beach was unsupervised/unmanned which had me a little worried in case something happened, but when we got down there, there were actually two lifeguards posted who were there until 5pm. At the end of our beach day we found a restaurant/hotel atop the hill and it had the most insane view (Agroturismo Sa Duaia).
WEATHER: Last time we came here end of April/beginning of May and the weather was very Goldilocks - not too hot, not too cold (22’C). Definitely needed a cardigan in the evenings. This time around we’re here at the beginning of June and it was pretty hot by Northern European standards (think 28’C at its peak), but still a little cool and windy in the evenings.
SLEEPING: I’ve definitely missed the comforts of my pregnancy pillow and some nights have been ROUGH with my worsening pregnancy rhinitis and post nasal drip, consistently waking up one or two times a night around 3am in a sneezing/coughing fit but the lazy days, sandy beach snoozes and the weightlessness I feel in the water is so dang worth it!
SKINCARE: I made sure to pack extra sun screen, after sun body lotion and a travel size version of bio oil.
Might come back to edit this as I think of more things to add.
submitted by kaej26 to pregnant [link] [comments]

2024.06.09 10:24 dkroningz Advice on cat with a lot of energy who doesn’t want to play?

Hey guys! I need a bit of help here… I have two inside cats. One just got spayed a few days ago and is sleeping most of the day. My other kitty was fine the first two days but now she has a lot of energy and does not know what to do with it. She just keeps breaking my stuff out of boredom. I’ve tried playing with her a lot but she gets bored of playing after two minutes and wants to do something else (I have a lot of toys for them but she’s not interested). I’ve also tried puzzling to tire her out mentally but she also gets bored of that after a few minutes as well. She keeps going after and pestering my other cat but she’s too tired to do anything.
Usually she sprints through the house and plays with her sister but that’s not really an option right now…
Any suggestions? I’m thinking of buying a leash and taking her for a walk but I’m scared she’ll break loose and gets hit by a car (I live near a semi busy road), so indoor activity suggestions are welcome 💖
submitted by dkroningz to CatAdvice [link] [comments]

2024.06.09 10:15 krzysztowf Looking for an advice: Should we buy a flat short term?

TLDR: Is it insane buying a 240k flat to live in (with mortgage) with possibility of moving out in 2 years?
Hi all,
Me and my wife are foreigners who planned on moving back to our home country (Poland) in 2019-ish. That's why we had bought a flat there. However COVID happened, which messed with our plans, then we had a second child and here we are. On and off we had ideas of buing a flat in Wales for us to live in, but we always had in mind we might not stay for too long for it to be a good idea (and yet it's our 10th year in Wales now, so we should have done that). Currently, I changed jobs and am earning 1k monthly more than before and we thought we probably should make a move to own a flat as this extra money would cover (almost) the mortgage monthly payment.
However, we're not sure how many more years we're going to stay in Wales. My wife is very hesitant to move and I'm on a side of going back in like 2 years (my main drive is my family, parents). So let's say 2 years...
We're looking at a 240k flat now, which we like a lot and think it would improve our quality of life significantly! We already talked to the advisor and his best offer is for 15% deposit 25 year mortgage with 5.18% interest rate. As I mentioned, we already have a flat in Poland, so the stamp duty for us would be 11700k. My wife is very into taking a risk, buying this flat and seeing what future brings. I'd like t buy it too, but I'm thinking that we might just loose a lots of money on it
So if I do my maths correctly and using the morgage calculator within the 2 years we'd pay following non-refundable charges:
Non-refundable expense Pounds
Mortgage interest 1st year 10'471
Mortgage interest 2nd year 10'253
Stamp duty 11'700
Solicitor when buying 1'500
Service charge (24*360) 8'640
-- TOTAL -- 42'564
When we move out we'd have to decide what we do with a property. If we try to sell it, we'd incur Estate Agent fees (e.g. 1.5% = 3'600) and solicitor fees ~800, which would total 45k. If we tried to keep the propery and rent, we'd have to re-mortgage to BTL which of course is on the worse interest rate (and I'm not really sure we'd have the capacity to pay it off with new jobs we'd have to take on).
If I compare the above 45k to "just renting" (24 * 1'050 = 25'200) it's at least 20k more. The rent we pay is for a flat of worse standard than the flat we're looking at, though. But within that budget we'd be able to rent a bigger place.
All in all my question is - do you think we're out of our minds, if we went ahead and bought the place? I'm worried we'd just loose 20k, which is hell lot of money. However:
Any input appreciated, thanks a lot!
submitted by krzysztowf to HousingUK [link] [comments]

2024.06.09 10:07 glupschipup [H] Victoria 3, Space Hulk: Ascension, Elex II, 300+ Keys [W] Steam (VR-)Games, Steam Game Gifts, Steam Awards/Points, Steam Items (Cards, CS2, etc.), PayPal or Other Offers

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submitted by glupschipup to GameTrade [link] [comments]

2024.06.09 10:06 glupschipup [H] Victoria 3, Space Hulk: Ascension, Elex II, 300+ Keys [W] Steam (VR-)Games, Steam Game Gifts, Steam Awards/Points, Steam Items (Cards, CS2, etc.), PayPal or Other Offers

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submitted by glupschipup to SteamGameSwap [link] [comments]

2024.06.09 10:06 glupschipup [H] Victoria 3, Space Hulk: Ascension, Elex II, 300+ Keys [W] Steam (VR-)Games, Steam Game Gifts, Steam Awards/Points, Steam Items (Cards, CS2, etc.), PayPal or Other Offers

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submitted by glupschipup to indiegameswap [link] [comments]

2024.06.09 10:03 sleepy_goat97 Have appointment coming up, but very little money to pay for it.

Ok, I need a bit of advice here. I’m (27F) and I currently live alone, and make $2,100 roughly a month. I have an eye doctor appointment on the 18th this month and it’s something I need done very badly as I haven’t been to see the optometrist for about three years now and am very low on my contact refills.
I have eye insurance through my current job, but this is a new job that I started two months ago and I don’t know yet what the copay for the appointment is going to be or how much new contacts and an eye exam are going to cost me.
My current monthly expenses break down like this:
Rent: $450
Gas (vehicle): $120 roughly
Internet: $101
Car insurance: $101
Personal loan: $45 (I owe $345 left on an initial $500 amount)
Electric: $73
Water: $55
Groceries: $350 roughly
Renters insurance: $14
Storage unit: $45
I got a speeding ticket a few weeks ago and I haven’t yet paid it, it’s not due until July 24th. It’s for $230.
I’m really stressing here because I’m trying very hard to stay within a tight budget but there’s always something that happens to me once a month and I end up overspending and living paycheck to paycheck.
My eye doctor appointment and my speeding ticket are weighing very heavily right now. I’m afraid to ask my parents if I could borrow $200 for the appointment (I’m figuring in copay amount, plus ordering new contacts) because I know they will tell me to figure it out on my own.
I’m considering taking out another personal loan to help pay ONLY the speeding ticket and my appointment but I’m certain that’s not the right thing to do but I don’t feel like I have other options right now.
I’ve already paid the rent for this month, plus groceries for the next week and a half. I’ve got my car insurance, water, and electric bills due this week and I don’t get paid again until the 20th.
Right now I have $430 sitting in my bank account. I did buy fast food after I got paid because I was craving it so badly and I also bought my sister a baby shower gift which costed me about $75 total.
Should I take the personal loan to get me by? What do I do?
submitted by sleepy_goat97 to povertyfinance [link] [comments]

2024.06.09 09:25 RightFly177 Old abandoned well toddlers help

Old abandoned well toddlers help
I've recently moved into a mobile home that was moved into a new cleared.out lot an old well is 5 feet from my front and back doors.. I have a one and two year old boys Gabriel and Michael whom love the outdoors and are drawn to this well they wanna play in the sand , I just don't have the funds for fencing yet reaching out here for suggestions, and help . I have sunflowers planted , and morning glory vine. Is all I have, had to pay deposit, first and last months rent plus old house last rent all in one month it took what little I had saved up. I'm thankful for the new house but now I'm so stressed with protection from the old well .
Thanks for suggestions, chastity coble NC
submitted by RightFly177 to Oldhouses [link] [comments]

2024.06.09 09:18 ComfortableOk3010 im 95% recovered

GET OFF THE SUBREDDIT (at least do this)
It's been 6~8 or so months, from delusional thoughts, nonstop ruminations, totally disconnected, screaming fits, bedbound and so much more to now laying on the floor listening to my favorite band disregarding scary thoughts and enjoying my day.
(Sorry for the bad spelling, English IS my first language, and I just suck)
(TW?: philosophies pertaining to free will)
Here's a reselling
Month 1~2: Week 1~2: It had already been a stress filled week, full of panic attacks, I had been worried about going blind and a bunch of other irrational things and then one day as I was brushing my teeth I was questioning if we really had free will over our actions at all. It may have been a mix of all the stress accumulating throughout the week, but that day, I had the biggest panic attack ever convinced that I might not have free will. I ran to my parents' room and started panicking over my free will and all that, and then it happened I dissociated(depersonalization). I didn't feel in control of my actions which was just the perfect cherry on top of my fear of not having free will it's almost funny how that made the perfect shit storm to fuck me up it
I tried to sleep it off thinking I'd be fine tomorrow, I woke up feeling disconnected I was terrified, I tried to ignore it and go onto my computer and talk to my friends but as I played a game with them I just didn't feel like I was playing and it freaked me the hell out, I was also experiencing headaches at the time which made me think that I may have had a cancerous tumor in my brain or something. This anxiety about my head would not leave my mind it was plaguing me, I slept in my room for a few more days ruminations about cancer and that persistent fear of not having free will plagued me, everyday ever single fucking day when I woke up I would have a new symptom. I was so afraid of being even a room away from my parents that I started sleeping on the couch in the living room, and I just sat there all day.
Week 3~4: One day my mom forced me to go out thinking that it would help as now she started to notice that i've gotten worse and not better over the days, she forced me to go to some big market place full of mirrors and people. Some of you who have DP/DR that mirrors are just something you should avoid until your more stable, there was mirrors of ever corner I turned each time I saw myself I was terrified and seeing the reflections of everything was making me anxious and uneasy, I was rushing to leave this marketplace once we did we made a stop in a supermarket and my mom was trying her hardest to get me to help she started getting frustrated and threatened me with something I didn't want(won't get into specifics). As I pushed the cart forward, the world caved around me. I stopped hearing sounds, and I couldn't move. It was straight out a movie/tv show. I froze up. I ran out of the store, and then it got worse. When I looked outside, it didn't look real I was hit with a big wave of dissociation but this time it was mainly (derealization) the world was wrong, everything was wrong I broke down in the car and I was brought home and I layed in the couch and stayed bed bound for the rest of the day. My mom finally took me to the hospital to check out what was wrong with me, and they found absolutely nothing wrong with me. They recommended me to a psychologist and sent me on my way. After this point I counted every day until the psychologist appointment like my life depended on it, I just wanted to be fixed and normal again, once the day arrived they recommended I got on zoloft, and to cut it short, it did not work I had a manic episode where I was to happy and erratic and stopped taking it under doctor permission and that's the last time I took meds
At this point, it's around December or so (memories are iffy around everything pertaining to DP/DR, but it's near the end of November, maybe? I had also celebrated Thanksgiving and found out the conditions name as well as the reddit)
Month 2~3: Every day I was spending time on my phone I was laying down in the living room, my screen time had jumped up from 4 hours a day to 16-18, sometimes the phone wouldn't cut it because the thoughts got to me and I would stare blankly at walls being unable to understand what was wrong with them, my only times of peace was when I was asleep, if I did anything and I mean ANYTHING something as simple as moving my hair out of my face would set me off for hours leaving me in a rumination rabbit hole that I cannot even begin to describe, going to the bathroom was unimaginably scary and difficult because the simple act of even walking was terrifying. Sometimes, I would get up to reconnect my phone charger or get a snack, and then I would freeze up. I would be locked in place standing up, staring at the floor, thinking of a million terrible thoughts. When I explained the condition to my parents, they just couldn't understand what was going on. I hadn't been to my room since the market incident, one peculiarity bad day I woke up in the middle of the night, with a mix of grogginess and the DP/DR my actions felt so disconnected that I started flailing my arms around like an insane person and ran to my parents room and walked with them to try to calm down, but it just didn't work. Something in my head clicked and I had fully convinced myself "oh I really don't have free will" I mindlessly walked away from my parents and sat down on the couch and looked around and it still haunts me today, I started screaming my lungs out. Once I had stopped screaming, i looked at my parents with disbelief thinking I had finally gone crazy I kept repeating to them, "I started screaming" over and over again, and they decided to take me to the ER
I was in the ER for only a day, but that was one of the worst days of my entire life. The first thing that happened was I got checked in and had all my clothes removed and put in hospital clothing that I could breathe through. I was anxious being in the hospital my mom could only be with me for a few hours and worse my bed was too small for me and it was in the middle of the hallway where I could hear everything, of course I had a big wave of DP/DR hit me and this really kind nurse came over and consoled me and held my hands to keep me sane I was explaining to her what was going on with me, I don't remember what I said word for word but I do remember some parts, I said
"I know I look crazy but I'm still here. Everything feels fake. I don't even feel like i'm talking to you, but I'm still here,"
They injected me with a drug to calm my nerves and lower my anxiety, which did, in fact, lower my anxiety, but I was left with just a feeling of dread and nothing more. When I got home after the ER visit, I once again returned to the couch and returned to the same routine of using my phone and sleeping
Month 4~5: Everyday now was filled with the same constant thought every waking moment "this is wrong'' every second this thought would pop up in my head and it's the only thing I thought, at this point I was moving around more and had developed this twitch for some odd reason, I would twitch both my shoulders up every few seconds I truly felt insane and looked it too, one day I stopped feeling emotions it was just 😶 I was left with this sense of terror and fear without the terror and fear? It's strange, and I hated every moment of it. This continued on for a while. I slowly started to realize that nothing was helping and no one could help me besides myself, I started slowly exposing myself to the outdoors little by little, first I would stand in front of the front door and then sit down, then I would step outside the house onto the steps and look around for a few seconds without my phone, I started leaving my phone and walking around for 30 seconds not a lot but felt like a lot, then one day i was telling my mom about my progression and telling her that if I don't take a hold of my fears then I'll never get better, after that I stood in front of my room door for at least 30 minutes just psyching myself up to at least enter my room and stay in it for a few moments. That was the best decision I ever made, I sat down on my bed and had a good cry for a few minutes.
Slowly I started going outside more, I started putting on music and dancing to it in the dark just to prove that I was doing it, these little steps were paying off, now was my DP/DR gone, No it was ever present and was with me 24/7 but these things I was doing was lessening the symptoms at least, one day I had finally FINALLY slept in my room again it took me a few more days to finally get comfortable to actually stay in there for a majority of the day. I started getting on my computer little by little, too, and speaking to my friends briefly.
Final months: I was in my room all day, I was finally going to therapy, I was going out for runs, I was talking to my friends of course the DP/DR was still present but it had lessened to the point where I could live a little. Now, I'm back to being me and started to get productive once again and trying to start coding again.
I think I'll have to give it a few more months this for the lingering effects to wear off, considering im being evicted it's understandable why it's it's not fully gone, I'm still a lil stressed but overall it's barely present in my day, when It does sprout its ugly head it's usually just slight derealization and what do I do? I accept the feeling and move on with my day. God, I hated people who said that to me, and I think that truly only works when you start recovering.
I glossed over some events (there's a lot) and some symptoms. I'll make a list of symptoms here. I'll leave you with this. Try to make a list of fears, face them one by one very slowly, or find other ways to cope. Every little step counts. Get sunlight for the love of God, and do everything on your own accord. Don't only go out when you need to. Just go outside sometimes or do something sometimes without the input of an outside party, oh AND GET OFF THE SUBREDDIT
I'm comfortable in my own home and feel better. Good luck you got this
Here's some symptoms and fears for those who are curious: Time felt distorted My body parts would sometimes feel too big or small People would feel like robots I would feel like a robot Depersonalization and derealization Time would sometimes feel slow I felt like I would be falling in and out of consciousness (feeling not actually) Twitching Rumination Existential thoughts nonstop Fear that I would hurt myself Fear that I would lose control Fear that nothing was real Everything felt like a video game Feeling that I could at any moment like vanish Lose of emotions Numbness Repeated phrases in my head Out of body
And so much fucking more, when I list out all these things at look at them I wonder how I fucking did it sometimes
submitted by ComfortableOk3010 to dpdr [link] [comments]

2024.06.09 09:16 JilBasler [Get] Travis Sago – Make Em Beg to Buy (Gimme Diamond Level) Download

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

2024.06.09 09:15 Skeeh "We're gonna keep sending the chart," or: I shouldn't expect basic video comprehension from TikTok

Since we're doing short R1s now...
Thing: https://www.tiktok.com/@theeconomist/video/7371487005114371361
Comments:
Wait did this guy just try an gaslight me into thinking that because I can't afford to buy jam, its not that my pay is less its just that my tastes have changed ? Eejit
The video says that the PCE index adjusts for substitution. It doesn't ignore changes in the overall price level. If the price of jam goes up, even with the PCE's consideration of substitution, the index is going to go up (just not as much as it would in the case of the price of, say, gasoline going up, since your mouth takes jam or marmalade and your fuel inlet takes gas only).
Bro just added ceo pay to the average lol
This does, in fact, occur in the video. Nothing explicitly wrong with what the commenter is saying here, but a lot of people seem to have only seen "CEO pay was added to the average! This distorts the picture!" and deleted the apples-to-apples part of the video from their memory. Comparing overall productivity to the compensation of the bottom 80% of earners tells us nothing about whether pay has kept pace with productivity for the bottom 80%. Adding CEO pay to the average isn't the problem.
Isnt this just saying that the executives and managerial class are siphoning off of wages at a higher rate than ever??
No, it doesn't show that. Nothing in the video ever made reference to rates of exploitation, even in a very formal, academic sense of "What's the difference between the wage and the competitive wage as a consequence of market power?" The only thing seen in the video is income statistics. You can infer exploitation only if you ignore the possibility that sometimes people make more money than others for reasons other than exploitation, which would be very nice to assume, but we can't.
Really, the lesson here is don't ever look at TikTok comments. I just wanted to rewatch a video from the Economist and the first source Google gave me was this one.
I'd prefer if the Economist had included a direct pay-productivity comparison for the bottom 80%, but I'm not sure if data like that even exists. It also would have been better to say it's not clear if inequality is rising, which is true by their own admission.
I think imma keep sending the chart
):
(As a final note, The Chart has been covered here before.)
submitted by Skeeh to badeconomics [link] [comments]

2024.06.09 08:59 TheWorstThingy [MS] Prosopagnosia v. Cotard's Syndrome

Content Warning: This story contains themes of mental health issues, suicide and physical violence.
Prosopagnosia v. Cotard's Syndrome
My new doctor - a bright and friendly guy named Sarbjit - took the time to explain his diagnosis to me. He told me my condition was mental, not physical, but it was hard to pay attention to everything he said because my left arm was numb and rotting from the inside out. I smiled and nodded and then when I got home I looked up Cotard’s Syndrome online. Here is what Wikipedia had to say on it.
“Cotard's syndrome, also known as ‘Cotard's delusion’ or ‘Walking Corpse Syndrome’, is a rare mental disorder in which the affected person holds the delusional belief that they are dead, do not exist, are putrefying, or have lost their blood or internal organs.”
I don’t know. Sounded extremely strange to me. I just knew my left arm was dying. Maybe my liver too. I used my right arm, the good one, to open my mail. Most of it was just the normal stuff but when I saw the letter from the Supreme Court of the State of New York I got a little worried. I was here legally - a citizen for almost ten years now - and I knew my rights but being summoned to testify at this criminal trial was a bit unnerving. I didn’t like it. I just try to do my best in this life and mind my own business and not cause problems for others.
When my trial appearance date arrived two months later I took the subway downtown and left my assistant, Stavvy, in charge of the office that day. I sat there on a hard wooden bench in the courtroom all morning listening to the testimony of other witnesses but I wasn’t called to the stand until sometime after we returned from lunch. Eventually, the lawyer for the defense called my name.
She mispronounced it of course - people here always mispronounce Albanian names - so I wasn’t surprised when she called me Mister Shka-Rell-Eee. My surname is Shkreli, after the place where my family comes from, and the proper pronunciation contains only two syllables - Shkrell-Eee. I was trying to hold my left arm in place when she asked her opening question.
Where was I at the time of the murder?
“Well, Miss Anderson” - I pronounced it Ahnd-REE-Sawn, drawing out the first and last syllables while placing too much emphasis on the middle one, intentionally - “I am not entirely certain. That was over a year ago and I travel all around this city on a daily basis for my job. I work in computer repair and IT support and I have customers in all five boroughs.” (This wasn’t exactly true. I wasn’t really willing to travel to Staten Island.) We had spoken four months earlier when she informed me of the questions she intended to ask at trial but I was fairly oblique then and I intended to remain so now. I had bigger problems. Could these people not see that my left arm was rotting away?
She looked at me with a furrowed brow and briskly walked back to the defense table, picked up a leather-bound notepad and opened it.
“Mister Shkreli, when you and I spoke on June 18th you confirmed that you were just leaving a client’s office, TRG Commercial Realty, located at 223 Broome Street here in lower Manhattan at approximately 3:30pm that day, shortly before the incident at issue took place less than one block away. Is that not correct?”
I turned up my native eastern European accent a bit and repositioned my left arm in my lap. I could barely feel it at that point. What was wrong with these people?
“If you say so. Like I said, that was over a year ago and it was just another workday for me.”
She stared at me for a beat or two longer than necessary and then flashed a quick look towards the jurors before continuing.
“Well yes, Mister Shkreli” - again it was Shka-Rell-Eee - “You did tell me that and I do have a recording of our conversation, which you consented to before we began, if the court would like this to be entered into evidence?”
She looked at the judge and the judge looked at me.
“Mister Shkreli,” - he too pronounced it Shka-Rell-Eee - ‘Are you refuting the testimony that Miss Anderson is referencing during your preliminary deposition or can we just move on at this point? If counsel for the defense claims to have this recording I am fairly certain this is true. Will it be necessary to enter this recording into evidence at this time or are you willing to acknowledge Miss Anderson’s claim?”
I repositioned my left arm in my lap and nodded.
“That’s fine, Your Honor. As I said, it was just another workday for me but if Miss Anderson says that is what we discussed I am sure she is probably right.”
The judge nodded back at me. “Very good. Let’s proceed then.”
Miss Anderson walked back to the defense table and dropped the leather-bound notepad before continuing with her final question for me, looking annoyed.
“Picking up where we left off, Mister Shkreli, can you please describe for the court what happened immediately after you left the offices of TRG Commercial Realty at 223 Broome Street on the date in question, October 22nd of last year?”
I didn’t like the way that she was trying to fence me in but I wasn't particularly concerned. I had bigger problems.
“Well, like I said, I don’t really remember that day. There was nothing memorable about it. It was just another day.”
She stared at me for a few seconds then flashed a quick look at the jury box with her eyebrows raised before returning her attention to the judge. “No more questions, Your Honor.”
I was dismissed from the stand but asked to remain in the courtroom as she called her next witness; a small, frail woman from Queens about my same age named Maureen Stewart. She had an odd, twitchy nature about her. I wanted to get home. I wanted to relax.
“Miss Stewart, can you please tell the court where you were on October 22nd of last year at approximately 3:30 in the afternoon?”
The witness looked down for a moment and then glanced towards the judge before removing the slightly confused look from her face and responding in a semi-automated tone.
“Yes, Miss Anderson. At that time, I was just leaving my day shift at the FedEx Office Store (she pronounced it ‘Staw’ in her thick New York accent) on Broome Street and I was walking towards the station for the Six Train to begin my ride back home.”
The attorney for the defense took a momentary pause and then asked her next question.
“And can you please tell us what happened then?”
The witness looked down again and then looked back at the judge, then the jury and, finally, at me. I didn’t like the way she looked at me.
“Yes, as I was leaving my workplace I crossed the street and I remember walking past the entrance to a narrow alleyway where I heard a commotion taking place. It made me stop and look for a second or two but I didn’t want to get involved so I just kept on walking towards the subway and I didn’t think too much about the whole thing until the Homicide detectives contacted me a few days later after they pulled the security camera videos. I came down to the police station the day after that and gave my statement. That was just over a year ago.”
Miss Anderson took a moment to stare at me. I didn’t like that either. I adjusted my left arm in my lap. It was completely numb.
“Thank you, Miss Stewart. Can you please be a bit more specific about what you saw occurring in that alleyway?”
Again, the witness looked down at the floor and then her eyes shot all around the courtroom before she responded.
“Well,” she said, before taking a brief pause. “At first I thought it was just a little scuffle but when I saw the shorter man in the black jacket punch the tall man in the belly a few times I saw some blood starting to spread on the side of his white button-down shirt and I saw what looked like a small knife or something in the shorter man’s hand. The tall thin man looked like he was starting to fall. I remember looking around for a police officer but I certainly wasn’t gonna do anything about it by myself. I mean, what could I do? When I didn’t see no one who could help I just kept on walking towards the subway. I guess I should have done more but I was scared and I just wanted to get back to Forest Hills to pick up my daughter from daycare before five o’clock.”
I glanced at the defendant seated at the table on the left. He looked both hopeful and nervous at the same time, but in a subtle way, like he didn’t want to appear to be either. He kept his head down and never once glanced towards the jury box. Miss Anderson asked her final question.
“Thank you, Miss Stewart. And do you see the man in the black jacket who stabbed the victim, Mister Baronston, on that day last October here in the courtroom now?”
Again the witness looked down at the floor between her feet for a moment and then looked back up, right at me. I felt my blood stop flowing through my veins, or at least through my left arm and the top of my right leg, when she raised up her hand and pointed her index finger at me.
“It was that man, there,” she said.
Miss Anderson nodded and paused for a moment, satisfied, letting it sink in for the jury members. I was stunned. The stylish defense attorney in the toney, expensive clothing began walking back in my direction and she too pointed an accusatory finger.
“If it pleases the court, let the record show that Miss Stewart has identified Mister Jack Shkreli as the attacker who she witnessed in the-”
Just then the witness on the stand, Miss Stewart, pointed her finger at the judge without really looking at him and suddenly blurted out, “Or him. It might have been him too. I’m not 100% sure...”
Miss Anderson paused, clearly nonplussed, and just stared at her witness. The judge also looked baffled for a second or two and then leaned over and whispered something to his court assistant and the two of them shared a quiet smirk.
Then the witness pointed at one of the jurors, a man in the front row about my size.
“Or him. It could have been him. I’m just not sure...” Then she went silent, as did the rest of the courtroom for a few moments. The State’s Attorney, a heavy-set bald man, broke the silence pretty quickly as he rose to his feet.
“Your Honor, the State would like to move to dismiss this witness along with all previous testimony.” He paused briefly and took a deep breath, choosing his next words.
“While we appreciate Miss Stewart’s willingness to appear at trial today, I think it’s clear that her recollection of events is…uncertain at best.” He glared at the defense table for a moment, then added “I’d just like to remind the court that Mister Shkreli” - and God bless him, he pronounced my two-syllable surname correctly - “is not on trial here and if this witness cannot distinguish the man she saw that day from yourself or a random member of our jury panel I don’t think we can accept this testimony or any further testimony from this witness.”
He hung his head respectfully, with the tiniest little smile on his face. He already knew he had won this argument and the judge quickly agreed, telling the jury to disregard what they just heard. Miss Stewart was dismissed from the stand and the defense had no other witnesses left to call. Less than two hours later the jury returned a guilty verdict against the defendant on all counts and the courtroom was cleared. The sentencing hearing would take place at a later date and I was not required to be there. My right leg was starting to feel numb by then but I still managed to get back to the office in time for Stavvy to head home at the end of his shift to make dinner for his kids. His wife was killed in a car accident two years earlier. He was a hard worker and I really liked him.
That night, back at my apartment, I did some research online and learned about a rare mental disorder known as Prosopagnosia. Here is what Wikipedia had to say.
Prosopagnosia, also known as face blindness, is a cognitive disorder of face perception in which the ability to recognize familiar faces, including one's own face (self-recognition), is impaired, while other aspects of visual processing (e.g. object discrimination) and intellectual functioning remain intact.
It all sounded pretty strange to me but if the doctors say it’s real who am I to argue? Apparently it is well documented in the DSM-5. I don’t know if this is the reason why I was able to walk away from the courtroom without consequence at first but I think it is the most likely explanation. I only know that when I left my client’s offices at TRG Commercial Realty on that day just over a year ago and hailed a cab I was stunned and confused when Mister Baronston, a complete stranger with a hostile face, suddenly attacked me, claiming that it was his cab and not mine.
He was bigger than me, tall and thin but strong, and I would have just given up the cab and caught the next one but he was clearly already very angry about something. When he backed me towards the alley, shoving me and then punching me around my head and neck, my backpack tumbled open and I saw my wallet and phone and some other items come crashing out onto the pavement. It was just a stupid and unnecessary altercation, the kind of thing that probably happens on the streets of this city every day, sadly. Too many people, not enough space. I did my best to fight back and protect myself but he was a good deal bigger than me.
Then I was getting punched some more and thrown against the alley wall as people passed by, disinterested, and I just instinctively reached into my jacket pocket and pulled out the pen knife that has been attached to my keychain for years. Before I really knew what was happening it was open and then my right hand was growing warm and red and slick with his blood. Then I was moving again, not looking back.
What an odd thing. I remember seeing Miss Stewart stopping there on the sidewalk to look from the mouth of the alley that day. Of all the passers-by, she was the only one who paused to look at us, at me, right as I desperately punctured Mister Baronston’s rib cage for the fifth or sixth time with my little penknife and he began to drop, but she averted her gaze after a few seconds and moved on and then I was rapidly heading in the opposite direction. This is a huge city and I never expected to see her face again. Fortunately, she was apparently never really able to see mine.
Anyway, I have more important problems to worry about at this time. Stavvy received a letter from the Manhattan DA’s office yesterday ordering him to appear at a grand jury hearing next month related to my involvement in Mister Baronston’s death. He showed it to me. More importantly, my left arm is just about gone now, my right leg is quickly starting to feel the same way and in just the last day or two I have begun feeling that strange tingling sensation in the tips of the fingers on my right hand. I know my liver is failing. It won’t be long now.
I scheduled a meeting with my lawyer in the morning to legally put the business and the rest of my assets in Stavvy’s name in my will. I have no family here anyway and almost no relatives who I remain close with back in Albania or Montenegro anymore. Stavvy is a good man and he has kids to feed and I have already lived a full life.
So yes, I will just leave it all to him and after that’s done I think I will get the old Ford minivan that we sometimes still use for the business and drive it out to the George Washington Bridge while I am still able. I know that when I stop it and get out and leave it there on the center-span I will screw up traffic badly and inconvenience a lot of people but I can’t worry about that. I have to do what I have to do. There’s no point in waiting for this to get worse. I can barely feel the fingers on my right hand and I don’t have much time left.
Maybe I should have told the truth at the trial. I don’t know. I think I was just too distracted by all of my health problems. I didn’t really have any choice at the time. I don’t have any choice now. I’m actually surprised that I lasted this long. I was certain that I would already be gone a few months ago but I feel I have done my best with this life.
As my people back in Albania say, Mos pyet si vdiq, por si rrojti!
“Do not ask how he died, but how he lived!”
THE END
submitted by TheWorstThingy to shortstories [link] [comments]

2024.06.09 08:38 TrueSpins Buying a car for £25k cash - am I missing anything?

I've been driving around in my really old car for well over a decade and have finally decided to buy something new (well, used but much newer).
I know what car I'll be buying and will likely be starting the process on Monday. The car will be about £25k and I'll be paying in full (dealership so no great concern about scams).
However, am I missing out on any tricks here? If I can easily afford the payment, is there any benefit in looking at credit? Doesn't seem so, but thought I'd just check.
Equally, are there any bank cash back offers or similar I could take advantage of? Again, I suspect not as a) I'm assuming I'll have to do a bank transfer and b) cash back offers are normally capped - but thought I'd check.
Update: Think I'll probably take a loan of about 8k from my LTD company at zero interest. Will be below the thresholds for interest and will pay back within 9 months to avoid S455 tax implications. Remaining 17k will just be my own cash.
submitted by TrueSpins to UKPersonalFinance [link] [comments]

http://rodzice.org/