Rs auto woodcutter and banker

Swedish Heavy Metal with historical lyrics.

2012.08.09 15:25 Riipa Swedish Heavy Metal with historical lyrics.

Swedish Heavy Metal with historical lyrics

2009.01.08 23:49 /r/Audi

A Reddit community for Audi Enthusiasts and those who love four rings

2012.03.30 00:22 xG33Kx Just Rolled Into the Shop

For those absolutely stupid things that you see people bring, roll, or toss into your place of business and the people that bring them in.

[link]

2024.05.16 17:03 Arcane_Ambivert Need urgent advice and help 🙏

Hi Everyone,
I have no credit cards for now but some personal loans. I am looking for an advice on where I can apply for it at low CIBIL.
My salary currently is 7 LPA and I need approx 1 lakh due to an emergency and to foreclose few loans. I have an EMI due to pay on 18th May of Rs 6778 and I only have Rs 2000 in my account.
My CIBIL is currently really low at 738. I have always made timely payments, got delayed in one EMI of money view cause their auto debit didn't work. Rest my score went down because of multiple enquiries. Please help me, share your advice on how and where I can apply for my credit card? This will really fix my life and I will forever be grateful to you for this 🙏
I can assure you that I only need the money to fix my life. This amount will really help me to be in a peaceful state. I am currently struggling a lot. Please suggest me something that can help me out in this situation.

submitted by Arcane_Ambivert to personalfinanceindia [link] [comments]

2024.05.16 10:46 sherl0ckai Mahindra & Mahindra FY24: Stellar Growth and Strategic Milestones 🚀📈

Standalone Performance:

Revenue: Rs 1,01,219 cr. (+17% YoY) 📊
PAT: Rs 10,718 cr. (+48% YoY) 🚀
EBITDA: Rs 15,122 cr. (+25% YoY) 💹
Dividend: Rs 21.10 per share (+30%) 📈

Consolidated Performance:

Revenue: Rs 1,39,078 cr. (+15% YoY) 🏙
PAT: Rs 11,269 cr. (+25% YoY) 📊

Segment Highlights:
Automotive:

SUV Market Share: 20.4% (+130 bps) 🚗
LCV <3.5TS Market Share: 49.0% (+350 bps) 🚛
Q4 Revenue: Rs 20,908 cr. (+22% YoY) 💰

Farm:

Tractor Market Share: 41.6% (+40 bps) 🚜
Q4 Revenue: Rs 6,790 cr. (-22% YoY) 📉

Operational Metrics:

ROE: 18.4% 🏆
EPS: Rs 100.7 📈
Total Vehicles Sold: 8,24,939 (+18% YoY) 🚗
Total Tractors Sold: 3,74,955 (-7% YoY) 🚜

Strategic Progress:

MMFSL GS3: Lowest ever at 3.4% 🌟
Electric 3-Wheelers Market Share: 58.7% ⚡️
TechM Turnaround: Underway 🔄
Mahindra Lifespaces: Presales Rs 2,328 cr., 2x in 2 years 🏡

Detailed Financials:
Revenue:

Q4 2024: ₹35,451.73 Cr (Q4 2023: ₹32,455.65 Cr) 📈
FY 2024: ₹1,39,078.27 Cr (FY 2023: ₹1,21,361.96 Cr) 📈

Net Profit After Tax:

Q4 2024: ₹2,754.08 Cr (Q4 2023: ₹2,636.67 Cr) 📈
FY 2024: ₹11,268.64 Cr (FY 2023: ₹10,281.50 Cr) 📈

Dividend:

FY 2024: ₹21.10 per Equity Share (422%) of face value ₹5 each 💸

Earnings Per Share (EPS):

Q4 2024: ₹24.71 (Basic) 📈
FY 2024: ₹101.14 (Basic) 📈

Financial Ratios:

Debt-Equity Ratio: 0.09 📉
Current Ratio: 1.30 📊
Net Profit Margin: 8.81% 📉

Board Decisions:

Annual General Meeting (AGM): Scheduled for 31st July, 2024 📅
Dividend Payment Date: Post 31st July, 2024 🗓

Auditor's Opinion:

Unmodified Opinion: Stated by Messrs BSR & Co. LLP ✅

Outstanding Borrowings:

Start of FY 2024: ₹4,643.72 Cr
End of FY 2024: ₹1,234.89 Cr 🔻

Segment Performance:
Automotive:

FY 2024 Revenue: ₹76,155.98 Cr
Q4 2024 Contribution: ₹1,890.18 Cr

Farm Equipment:

FY 2024 Revenue: ₹33,474.15 Cr
Q4 2024 Contribution: ₹745.25 Cr

Leadership Changes:
New Appointments:

Independent Director (5 years): Ms. Padmasree Warrior 🎉
Non-Executive Directors: Mr. Ranjan Pant and Mr. Sat Pal Bhanoo
Renewed Terms: Dr. Anish Shah (Group CEO) and Mr. Rajesh Jejurikar (Auto & Farm Sector CEO)

This summary was generated using https://uplau.se/sherl0ck

submitted by sherl0ckai to IndianStreetBets [link] [comments]

2024.05.16 08:37 C0nd0rX Clips of wisdom

submitted by C0nd0rX to WinternomicsTV [link] [comments]

2024.05.16 05:26 logyost Trying to find a mod that added step assist to my custom modpack

Edit: List alphabetized for readability.
I'm working on a modpack right now and I'm trying to figure out what mod adds step assist so I can get rid of it or config it.
Here's my modlist:

[EMF] Entity Model Features [Fabric & Forge] (by traben_0) [ETF] Entity Texture Features - [Fabric & Forge] (by traben_0) Absent by Design (by Lothrazar) Ad Astra (by AlexNijjar) Ad Astra: Giselle Addon (by gisellevonbingen) Additional Lanterns (by SuperMartijn642) Additional Lights (by mgen256) Advanced Peripherals (by srrendi) Aether: Lost Content Addon (by ModdingLegacy) AI Improvements (by QueenOfMissiles) Ambient Environment (by Jaredlll08) Amendments (by plantspookable) Apotheosis (by Shadows_of_Fire) Apothic Attributes (AttributesLib) (by Shadows_of_Fire) AppleSkin (by squeek502) Architectury API (Fabric/Forge/NeoForge) (by shedaniel) Artifacts (by ochotonida) Athena (by CodexAdrian) AtomicStryker's Infernal Mobs (by atomicstrykergrumpy) AttributeFix (by DarkhaxDev) Balm (Forge Edition) (by BlayTheNinth) Beautify! (by Pandarix) Better Advancements (by way2muchnoise) Better Fishing Rods (by TrueRealCursed_Warrior) BetterF3 (by cominixo) Biomes O' Plenty (by Forstride) Blue Skies (by ModdingLegacy) Bookshelf (by DarkhaxDev) Botany Pots (by DarkhaxDev) Botany Pots Tiers (by Ultramegaaa) Botany Trees (by DarkhaxDev) Botarium (by CodexAdrian) Bow Infinity Fix (Forge/Fabric) (by Parker8283) Caelus API (Forge/NeoForge) (by TheIllusiveC4) Camera Mod (by henkelmax) Camp Chair (by dmitrylovin) Carpet Trapdoors [Forge] (by LordSebastio) Cat Jammies (by Buuz135) Cave Dweller Reimagined (by idk_someguy) Cave Dweller Sound Overhaul (by Scorchy) CC: Tweaked (by SquidDev) Chalk (by mortuusars) Charm of Undying (Fabric/Forge/Quilt) (by TheIllusiveC4) Chat Heads (by dzwdz) Chicken Chunks 1.8.+ (by covers1624) Chimes (by CicadaBluw) Chipped (by terrariumearth) Chisels & Bits - For Forge (by AlgorithmX2) Clickable advancements[Forge/Fabric] (by someaddon) Cloth Config API (Fabric/Forge/NeoForge) (by shedaniel) Clumps (by Jaredlll08) CodeChicken Lib 1.8.+ (by covers1624) Collective (by Serilum) Colorful Hearts (by Terrails) Comforts (Fabric/Forge/Quilt) (by TheIllusiveC4) Complementary Shaders - Reimagined (by EminGT) Complementary Shaders - Unbound (by EminGT) Configured (by MrCrayfish) Connected Glass (by SuperMartijn642) Construction Wand (by ThetaDev) Controlling (by Jaredlll08) Corail Tombstone (by Corail_31) Corail Woodcutter (by Corail_31) Cosmetic Armor Reworked (by LainMI) Craftable Horse Armour & Saddle [CHA&S] (by EwyBoy) Crafting on a stick (by OfekN_) Crafting Tweaks (by BlayTheNinth) CraftTweaker (by Jaredlll08) Create (by simibubi) Create Crafts & Additions (by MRHminer) Create Slice & Dice (by possible_triangle) Create: Steam 'n' Rails (by mattentosh) Creeper Overhaul (by joosh_7889) Cupboard (by someaddon) Curios API (Forge/NeoForge) (by TheIllusiveC4) Curious Lanterns (by Psilock1) Customizable Player Models (by tom54541) Customizable Player Models Simple Voice Chat compat (by tom54541) Customized Dungeon Loot (by XxRexRaptorxX) Dark Mode Everywhere (by Buuz135) Dark Paintings (by DarkhaxDev) Dark Utilities (by DarkhaxDev) Death Knell (by DarkhaxDev) Deep Aether (by TeamRazor) Deeper and Darker (by KyaniteMods) Default Options (by BlayTheNinth) Despawning Eggs Hatch (by Serilum) Ding (Forge) (by iChun) Do a Barrel Roll (by enjarai) Double Doors (by Serilum) Drip Sounds (Forge) (by PieKing1215) Duckling (by Frogipher) Dungeon Crawl (by xiroc_) Durability Tooltip (by SuperMartijn642) Dyenamics (by LobsterJonn) Dyenamics and Friends (by LobsterJonn) Easy Villagers (by henkelmax) Eating Animation [Forge] (by matyrobbrt) Eccentric Tome (by EccentricVamp) Edibles (by Serilum) EdivadLib (by 3divad99) Elytra Slot (Fabric/Forge/Quilt) (by TheIllusiveC4) Embeddium (by embeddedt) Embeddium (Rubidium) Extra (by dimadencep) Embeddium++ (by SrRapero720) Embeddium/Rubidium Dynamic Lights (by Anthxny) Emotecraft (Forge) (by KosmX) Ender IO (by crazypants_mc_the_second) EnderChests (by ShetiPhian) EnderTanks (by ShetiPhian) Energy Meter (by Relentless) Entity Culling Fabric/Forge (by tr7zw) Even More Instruments! (by StavWasPlayZ) Everything is Copper (by LobsterJonn) Ex Nihilo: Sequentia (by NovaMachina) Explorer's Compass (by Chaosyr) Explorify – Dungeons & Structures (by bebebea_loste) Extra Disks (by MelanX) Extra Trades (by CAS_ual_TY) ExtraStorage (by 3divad99) Extreme Reactors (by ZeroNoRyouki) Extreme sound muffler - (Neo)Forge (by LeoBeliik) Falling Leaves (NeoForge/Forge) (by Cheaterpaul) Farmer's Delight (by vectorwing) Farsight [Forge] (by someaddon) Fast Leaf Decay (by olafskiii) FerriteCore ((Neo)Forge) (by malte0811) FindMe (by Buuz135) Fish On The Line (by Serilum) fix GPU memory leak[Forge/Fabric] (by someaddon) FLIB (by Lothrazar) FlickerFix (by MutantGumdrop) Flower Patch (by Mrbysco) Forgified Fabric API (by Su5eD) Framework (by MrCrayfish) Fresh Animations (by FreshLX) FTB Essentials (Forge & Fabric) (by FTB) FTB Library (Forge) (by FTB) FTB Ranks (Forge) (by FTB) FTB Ultimine (Forge) (by FTB) FTB XMod Compat (by FTB) Fuel Goes Here (by LobsterJonn) Functional Storage (by Buuz135) Fusion (Connected Textures) (by SuperMartijn642) GeckoLib (by Gecko) Genshin Instruments (by StavWasPlayZ) Get It Together, Drops! (by bl4ckscor3) Glassential Renewed (by big_energy) Goblin Traders (by MrCrayfish) Golems Are Friends Not Fodder (by LobsterJonn) GroovyModLoader (GML) (by matyrobbrt) Handcrafted (by terrariumearth) Harvest with ease (by CrystalSpider) Heartstone (by plantspookable) Hexxit Gear R (by ImVeryBad) Immersive Aircraft [Fabric/Forge] (by Conczin) Immersive Engineering (by BluSunrize) Jade 🔍 (by Snownee) JEITweaker (by Jaredlll08) JourneyMap (by techbrew) JourneyMap Integration (by frankV) Jumpy Boats (by LobsterJonn) Just Another Rotten Flesh to Leather Mod (by alexdaum1) Just Enough Archaeology (by LobsterJonn) Just Enough Items (JEI) (by mezz) Just Enough Professions (JEP) (by Mrbysco) Just Enough Resources (JER) (by way2muchnoise) Just Zoom [Forge] (by Keksuccino) Kiwi 🥝 (Forge) (by Snownee) Konkrete [Forge] (by Keksuccino) Kotlin for Forge (by thedarkcolour) KubeJS (by LatvianModder) L_Ender 's Cataclysm (by mcl_ender) LaserIO (by Direwolf20) Lazurite (by Su5eD) libIPN (by mirinimi) LibX (by noeppinoeppi) Lionfish API (by mcl_ender) Lithostitched (by Apollo) Lootr (Forge & NeoForge) (by Noobanidus) Macaw's Bridges (by sketch_macaw) Macaw's Bridges - Biomes O' Plenty (by Samlegamer_) Macaw's Doors (by sketch_macaw) Macaw's Fences - Biomes O' Plenty (by Samlegamer_) Macaw's Fences and Walls (by sketch_macaw) Macaw's Furniture (by sketch_macaw) Macaw's Furnitures - Biomes O' Plenty (by Samlegamer_) Macaw's Holidays (by sketch_macaw) Macaw's Lights and Lamps (by sketch_macaw) Macaw's Paintings (by sketch_macaw) Macaw's Paths and Pavings (by sketch_macaw) Macaw's Roofs (by sketch_macaw) Macaw's Roofs - Biomes O' Plenty (by Samlegamer_) Macaw's Trapdoors (by sketch_macaw) Macaw's Windows (by sketch_macaw) Majrusz Library (by Majrusz17) Majrusz's Accessories (by Majrusz17) Measurements (by Mrbysco) Mighty Mail (Forge) (by MrCrayfish) MmmMmmMmmMmm (Target Dummy) (by MehVahdJukaar) Mob Despawn Timers (by Shadows_of_Fire) Mob Grinding Utils (by vadis365) Mod Name Tooltip (by mezz) Model Gap Fix (by MehVahdJukaar) ModernFix (by embeddedt) Modonomicon (by kli_kli) Moonlight Lib (by MehVahdJukaar) More Mob Variants (by nyuppo) More Mob Variants x Fresh Animations (by nyuppo) More Overlays Updated (by RiDGo8) More Red (by Commoble) Mouse Tweaks (by YaLTeR) MrCrayfish's Furniture Mod (by MrCrayfish) My Server Is Compatible (by focamacho) Mystical Oak Tree (by plantspookable) Name Tag Tweaks (by Serilum) Naturalist (by Starfish_Studios) Nature's Compass (by Chaosyr) Neko's Enchanted Books (by Nekomaster1000) NetherPortalFix (by BlayTheNinth) Night Lights (by joosh_7889) No Farmland Trample (by LobsterJonn) Notes (by Chaosyr) NovaCore (by NovaMachina) Nyctophobia (FORGE) (by finallion_13) Observable (by tasgon) Occultism (by kli_kli) Occultism KubeJS (by kli_kli) Oculus (by Asek3) Overloaded Armor Bar (by tfarecnim) Packet Fixer (by TonimatasDEV) Packing Tape (by gigaherz) Pam's HarvestCraft 2 - Crops (by pamharvestcraft) Pam's HarvestCraft 2 - Food Core (by pamharvestcraft) Pam's HarvestCraft 2 - Food Extended (by pamharvestcraft) Pam's HarvestCraft 2 - Trees (by pamharvestcraft) Passthrough Signs (by Girafi) Patchouli (by Vazkii) Path Under Gates (by cyberslas) Pig Pen Cipher (by DarkhaxDev) Placebo (by Shadows_of_Fire) Platforms (by ShetiPhian) playerAnimator (by KosmX) Polymorph (Fabric/Forge/Quilt) (by TheIllusiveC4) Pop! (by ModdingLegacy) Potion Blender [Fabric/Forge] (by motivational_dragon) Potions Master (by thevortexFoxTopia) ProjectE (by SinKillerJ) Radiant Gear (Fabric/Forge/Quilt) (by TheIllusiveC4) Rare Ice (Forge/Fabric) (by shedaniel) Reborn Storage (by Gigabit101) Rechiseled (by SuperMartijn642) Rechiseled: Chipped (by the_iwolfking) Rechiseled: Create (by SuperMartijn642) Refined Polymorphism (by ninety) Refined Storage (by raoulvdberge) Refined Storage Addons (by raoulvdberge) Reliquary Reincarnations (by P3pp3rF1y) Repurposed Structures (Neoforge/Forge) (by telepathicgrunt) Resourceful Config (by ThatGravyBoat) Resourceful Lib (by ThatGravyBoat) Rhino (by LatvianModder) RS Insert Export Upgrade (by Ultramegaaa) RSInfinityBooster (by hexeptiondev) Runelic (by DarkhaxDev) Searchables (by Jaredlll08) Security Craft (by Geforce132) ShetiPhianCore (by ShetiPhian) Shrink. (by Gigabit101) Silent Gear (by SilentChaos512) Silent Lib (silentlib) (by SilentChaos512) Simple Backups (by MelanX) Simple Discord Rich Presence (Forge / Fabric) (by Sunekaer) Simple Magnets (by SuperMartijn642) Simple Shops (by wolforce) Simple Voice Chat (by henkelmax) Simply Light (by Flanks255) Sit (by bl4ckscor3) Skinned Carts (by Mrbysco) Sky Structures (by TrueRealCursed_Warrior) Sky Villages [Forge] (by y4z0n) SmartBrainLib (Forge/Fabric/Quilt) (by Scimiguy) Smarter Farmers (farmers replant) (by MehVahdJukaar) Snow Under Trees (by bl4ckscor3) Snow! Real Magic! ⛄ (Forge) (by Snownee) Snowballs Freeze Mobs (by Serilum) Snuffles (by schnappdragon) Sooty Chimneys (by mortuusars) Sophisticated Backpacks (by P3pp3rF1y) Sophisticated Core (by P3pp3rF1y) Sophisticated Storage (by P3pp3rF1y) Sound Physics Remastered (by henkelmax) Structory (by botanydev) Structure Essentials[Forge/Fabric] (by someaddon) Structure Gel API (by ModdingLegacy) SuperMartijn642's Config Lib (by SuperMartijn642) SuperMartijn642's Core Lib (by SuperMartijn642) Supplementaries (by MehVahdJukaar) Supplementaries Squared (by plantspookable) Sushi Go Crafting (by Buuz135) TerraBlender (Forge) (by TheAdubbz) Terralith (by Starmute) The Aether (by TheAetherTeam) The Graveyard (FORGE/NEOFORGE) (by finallion_13) The Lost Cities (by McJty) The Twilight Forest (by Benimatic) The Undergarden (by Quek04) Time in a bottle [FORGE] (by MangoRage) Time in a bottle Curio Support (by MangoRage) Tiny Redstone (by Danny_and_Son) Titanium (by Buuz135) Toast Control (by Shadows_of_Fire) Tom's Simple Storage Mod (by tom54541) Tool Belt (by gigaherz) Torchmaster (by xalcon) Trash Cans (by SuperMartijn642) TrashSlot (by BlayTheNinth) Tumbleweed (by bconv) Twigs (by ninnih_) Universal Grid (by Ultramegaaa) Useless Sword (by Furti_Two) Utilitarian (by LobsterJonn) UtilitiX (by MelanX) Villager Names (by Serilum) Villagers Drop Emeralds on Death (by exlinegames) Void Totem (Forge) (by Affehund) Voidscape (by Tamaized) When Dungeons Arise - Forge! (by Aureljz) Wireless Chargers (by SuperMartijn642) Wither Skeleton Tweaks (by Shadows_of_Fire) Wool Tweaks (by Serilum) YUNG's API (Forge) (by YUNGNICKYOUNG) YUNG's Better Desert Temples (Forge) (by YUNGNICKYOUNG) YUNG's Better Dungeons (Forge) (by YUNGNICKYOUNG) YUNG's Better Jungle Temples (Forge) (by YUNGNICKYOUNG) YUNG's Better Mineshafts (Forge) (by YUNGNICKYOUNG) YUNG's Better Nether Fortresses (Forge) (by YUNGNICKYOUNG) YUNG's Better Ocean Monuments (Forge) (by YUNGNICKYOUNG) YUNG's Better Strongholds (Forge) (by YUNGNICKYOUNG) YUNG's Better Witch Huts (Forge) (by YUNGNICKYOUNG) YUNG's Bridges (Forge) (by YUNGNICKYOUNG) YUNG's Extras (Forge) (by YUNGNICKYOUNG) YUNG's Menu Tweaks (Forge) (by YUNGNICKYOUNG) ZeroCore 2 (by ZeroNoRyouki)

submitted by logyost to feedthebeast [link] [comments]

2024.05.16 02:00 Select_Barnacle161 Once a cheater, always a cheater

We met in 2014 while I was in college, he is 8yr older than me and he was my TL back then, nagworking student kasi ako sa isang fastfood kasi gusto ng sarili kong pera. Ff naging official kami October same year, and sya ang literal na first official BF ko. First everything and anything basta yung story on how we met and paano kami naglandian next time na. Hahaha
Ff, pagkagraduate ko nagwork ako sa Manila then he stayed sa province as fastfood manager. We were okay naman nag effort sya lumuwas minsan nung time na pang gabi and syempre ako nagcompromise din kapag off matic umuuwi ako kasi malapit lang naman. Naging dayshift din ako 4/11 and mas madalas na ang uwi ko non. Sobrang okay lahat, walang bahid ng cheating problem and dahil malaki tiwala ko sa kanya alam mo hindi nya gagawin.
2017, magstaycation kami non while ako nagcheck in na sya busy sa phone sa may parking then ff nung gabi naglalaro sya ng something sa phone then I borrowed it pag open ko messages “babe” tawagan nila ng crew nya with iloveyou pa. I was so mad kasi inaway ko sya kinuha number ng girl and syempre nagdeny sya. Ang press release ng ex ko he is sort of comforting the girl kas binubugbog daw ng bf which is crew nya rin. Ako naman si gaga alam ko naman deep inside pero sige pinatawad ko.
2018, ibang babae na to crew nya rin pangalanan natin syang Cat, nakita ng friend ko si ex na may angkas na ibang babae then nagdahilan nalang ako na baka pinsan but I can feel na may something kasi the girl and her friends keeps on adding me sa socmed. Like what for? Ang dami kong resibo pero never ko naconfirm kung ano meron sa kanila.
Ff 2023, nag abroad si ex, initial plan is susunod ako sa kanya so I stopped processing my student visa kahit malaki nadin nagastos ko kasi mas mura if kukunin ako ng ex plus work na ako agad. While cleaning the house her sister saw a letter na sulat ni Cat with callsign na “Love” then that hit me, nagprocess ako ng papers para puntahan sya but I cant start a new chapter with him ng may naiiwang tanong sakin from years ago. So I messaged Cat and sent her the letter, then vhoooogss mga mima fuck buddies sila from 2017 or 2018 until 2021. Like WTF?! She said sorry and shit. I confronted him, he denied at first syempre. I felt so betrayed I cant even talk to him nakikipaghiwalay ako ayaw nga eversince naging kami never sya pumayag sa hiwalayan. Weeks pass di kami nagkakausap ng maayos, wala man lang ding effort. Pabago bago narin sya ng plan. That hit me kasi ang tagal na namin wala man lang ako singsing, ni hindi sya nagpropose bago sya umalis. Hindi ko naman kailangan ng fancy ring or what pero wala. And have I mentioned na before sya umalis ako pa nagyaya magpakasal ayaw nya rin. According to him deserve ko daw ang mahal na ring at bonggang kasal kaya sya mag iipon abroad. Talaga ba? Ni hindi nga ako mamyday yun pala may pinoprotektahang feelings ng iba. Pisting yawa!
Dec 2023 binigyan nya akong dog but di parin kami okay, while browsing messenger may dummy acct na nagchat sakin saying na matagal na daw karelasyon ni ex yung isang pinay na kasama nila don. Based sa chat kasama rin nila sa bahay yung nagsplook sakin. In a longterm rs din si girl and engaged pa. Hindi pako nakakamove on sa 3yrs nyang fuckbuddy habang kami may bago na naman. Syempre he denied pero mga ati may resibo ako. Nakita ko pa jacket nya suot ni girl. Same na same kay Cat before, shirt jacket at cap ni ex gamit nya. Napakadami kong proof. Pero dahil tanga ang ati nyo sige lang. Pero umabot na ako sa sukdulan. Noon nagvideocall kami kahit nasaan sya sa bahay then pansin ko di na sya natawag di narin ako chinachat plus ayaw na magvideocall kapag hindi sa room nya.
Grabe yung trauma, napa ER ko na sarili ko kasi di nako nakakatulog plus may panick attacks ako di nako makahinga. Hanggang sa huli pinilit ko syang tanggapin kasi sabi nya walang sila. Binigyan ko chance and asked him bakit sya nagbago. He said na torn sya between keeping me pero wala na syang mukhang maihaharap sakin or letting me go pero nagagalit sa idea na magkakaron akong iba. He also said pressured sya sa life. Pero hello, ilang araw kang di magparamdam man lang sabi nya di na raw nakakahawak phone kasi pagod at busy. Bullshit.
Lahat ng decision ko nakarely sa kanya even yung sa work ayoko magpapromote noon kasi baka mawalan kami ng time and ulitin nya yung cheating issues nya and now I feel so lost. Totoo pala yung wag mong gawing mundo ang isang tao. Hindi na kami nag uusap. Ako naghandle ng bills nya here sa Pinas pero pina auto debit ko na sa acct nya para wala na reason to contact him. And si girl panay post sa tiktok halata naman sinong nagpicture.
I was with him nung walang wala sya. Literal na thru ups and down. Sinuportahan ko sya sa lahat ng decisions nya. We helped each other financially. We are each others support system. Even nung nag apply sya abroad ako ang katulong nya sa lahat lahat and literal na kaming dalawa lang ang gumastos non. Pakiramdam ko pinagpalit nya ako sa pera at sa snow lol. Palagi nya sinasabi na ginagawa nya yun para samin, did I mention na solo parent sya? But sabi ko no, ginagawa mo yan para lang sayo. Meron ka syang joke before na offend ako, kapag daw nagloko ako dito kawawa ako kasi sya Citizen na don by that time like are you for real?
And what broke me more is when her daughter messaged me saying sorry sa mga ginawa ng Daddy nya. Okay kami ng bata and ako rin taga pay ng tuition nya, ako din nag transfer sa family nila ng padala nya kasi gusti ni ex ako maghandle ng finances and shit.
For now, all I am wishing is complete healing. And sana lahat ng pain ko mafeel nila ng x10 pa. Up to this day ang dami ko pa nalalaman re cheating issues nya noon. Sobrang bait at responsible na tao ang tingin ng family ko sa kanya. Hindi ko pa kayang sabihin sa kanila kasi ayokong magbreakdown sa harap ng family ko pero sobrang bigat na. Its been months and the trauma is still haunting me. Umabot pa ako sa point na nagpa tarot reading nako and its says na umaasa parin ako somehow.
Wasted 10yrs of my life for nothing, and now Im pressured na baka di na ako magka asawa plus yung trust issues ko pa. And I, thank you.

submitted by Select_Barnacle161 to OffMyChestPH [link] [comments]

2024.05.15 23:22 senormochila What is your most memorable death?

I got back into OSRS a couple years ago for some nostalgia and to try out a bunch of quests/content I could never finish as a kid. It's been a lot of fun playing through stuff I thought was impossible and having random flashbacks strolling through old areas. But there is one area that brings back the most vivid memory every time I'm there of being absolutely lost, confused, and devastated as a 10 or 11 year old kid.
Circa 2004/2005 I was sitting at my parents Dell while they watched a movie on the couch. I had finally convinced them to pay for membership a few months prior after probably a year of free-to-play while all my friends fished in Catherby. I'd gotten through a moderate amount of quests, nothing much crazier than Dragon Slayer, but had gotten some help along the way. Now with my full rune set up and a few gp in my pocket I felt ready to go explore and take on new quests alone.
Karamja seemed really cool and I'd heard my friends talk about this Shilo Village place but I needed to knock Jungle Potion out first. No problem, it seemed pretty straightforward. Nothing I couldn't handle. So I geared up and off I went. It didn't take long wandering through the jungle, opening and closing a map in a separate window on dial-up internet, for something to attack me and my character to start taking scary green damage. I was aware of what poison damage was, and that you could cure it, but without the GE or any clue how herblore worked it wasn't exactly something I kept on hand.
Being barely double digits old I took a deep breath and did the most sensible thing I could think of, which was panic immediately. I didn't want any other players to see I was poisoned and lost, so even if I did know how to get back to a bank at the time I was worried I'd die just before banking in a populated area. I had a ROUGH idea of how death mechanics worked to put it mildly. Being that I was on dial-up, instead of logging off TO call a friend to save me I was convinced I COULDN'T call a friend BECAUSE I'd have to log off. I could barely load any of the few websites that might offer some help as well. So instead I ran around the island, taking more random damage, searching for a vendor or bank, and must have ran past the one man who would have sold me anti-poison 10 times until I finally accepted my fate and hid in a remote corner on the beach. Looking out over the water, I sadly devoured whole lobsters until finally my food, and HP, ran out. I spawned in Lumbridge, stared at my screen for about five minutes, and logged off. I have no clue why I didn't try to get back to where I died, or if in my panic and despair I had lost track of where it even was I had finally died.
I walked over and stood by the couch where my parents were sitting and I must have looked like an investment banker in 2008 because despite disliking RS quite a bit they asked me what happened. I calmly informed them that 'I had lost everything.'
Now whenever I am in Karamja that memory comes back to me and I can't help but laugh. How I managed to make the most irrationally wrong decision at every single turn is hilarious to look back on. I still suck at this game, but it helps to have a functioning brain.
That's mine. What's yours?

submitted by senormochila to 2007scape [link] [comments]

2024.05.15 21:59 Financial_Aspect_82 H: Trades W: Lifesaving or AutoStim or troubleshooters AP WWR CE RA only

CE armor for trade
Ari AP WWR RA
Assassins AP fall RA
AutoStim S WWR RA
Cham AP BUW RL
Cloaking AP WWR LL
LS cryo WWR LL
OE E Sent LA
OE S WWR LA
OE Cyro FDCW RL
Troubleshooters AP AWR
Uny C AWR LA
Uny Cryo Break LL
Uny E sneak RL
Uny LED JWR RL
Van AP Sent LL
Van Fire Cav RA
Van Fire FDCW RA
Van RR WWR RA
Other armor:
Van LED FDCW USA LA
Van AP WWR marine RA
Van LED FDCW marine LL
Van Poison Sent Heavy Combat LL
Uny Int BUW Marine RA
Uny poison LL marine
Uny AP AWR heavy leather LL
Uny S Cav heavy combat LL
Uny S WWR FSA LL
Uny Poison AWR FSA RA
Uny AP marine CP
OE AP AWR USA RA
OE AP RR Trapper RA
OE AP JWR trapper LL
OE AP RR Marine CP
OE AP heavy leather LA
OE AP FSA LA
Nocturnal AP WWR heavy combat RL
Cham AP sent USA LA
Weapons:
AA SS S sheepsquatch Club
Assassins 2525 alien disintegrator
B2590 50cal
B50c25 compound bow
B50vhc25 Gauss
B50c25 radium
Exe50c25 NU and Ultra laser rifle
Exe50c25 EPR (AA RS FS)
QE15fr Tommy
V SS 90 buzz blade
V50c25 handmade
Wishlist: Uny PR FDCW LL RL CE
Troubleshooters AP WWR RA CE
Van AP WWR RL and LL marine
Leaders / flux / maps / caps for cheaper armors

submitted by Financial_Aspect_82 to Market76 [link] [comments]

2024.05.15 21:28 aizlynskye Potential $39K Elder Fraud dating back to Summer 2022. Unauthorized ACH from Credit Union checking to Wells Fargo Mortgage acct discovered after death.

My Grandma recently passed away. Her estate wasn’t complicated and so was set up (with the guidance of an Estate Lawyer) with NO will and NO trust - everything was set up POD/TOD/Beneficiary with me (last of kin) 50% and 50% Aunt (by marriage, divorced uncle/grandmas son who died in 2020). I am the next of kin as both of my Grandmas children preceded her in death and I have a (Colorado) small claims affidavit entitling me to any assets discovered under $82K which entitles me to funds but not account access/details/changes/statements. I do not have any Personal Representative or Executor paperwork as there was no will/trust. The intent was to avoid probate through POD/TOD/Beneficiary.
Two weeks after Grandma’s passing we discovered a local credit union checking + money market account that no one knew existed. A statement was sent to my Aunt (by marriage, since divorced, Uncle passed in 2020) showing two accounts (checking and money market) and a ~$2400 ACH transaction from the credit union to an unknown Wells Fargo Mortgage account. No one knew this credit union accounts existed. There is no TOD/POD/beneficiary. No one had any idea to check this account or that these deductions were coming out. Credit union confirmed the ACH originated at Wells Fargo.
My grandma had no mortgages. She did bank with Wells Fargo but they confirmed in writing that she has no open accounts there (Aunt and I already closed her accounts at that institution) and never had any mortgage products, including co-signing. Grandma is in no way associated with this Mortgage account, from what Wells Fargo can tell. Last I heard, Wells Fargo was working on their end to identify who signed the authorization for the monthly mortgage ACH withdraw and how a red flag didn’t pop up indicating the payee and payer accounts have different names. We have also been to the tax assessors office who confirmed Grandma owned no other property or had no other mortgages in the state. My Aunt and I are the last living members of the family.
From what little I’ve been able to gather (given that I do not have personal representative or executor paperwork), the credit union account once stood at $40K (a new banker accidentally shared this info not knowing it was privileged) and has been depleted down to $1K since the ACH deductions began in June 2022. Grandma was in an assisted living & memory care facility beginning January 2021. I assume that Grandma’s dementia diagnosis would have negated her ability to sign for a loan/cosigner of any kind if some sort of “authorization” DID occur? I am also highly suspicious that Grandma had no knowledge of this, she didn’t authorize anything, and this is all in error or her info was stolen from the assisted living facility or elsewhere.
It turns out Grandma’s tax accountant who has done her taxes for many (10 ish?) years did know about the existence of the Credit Union account, but only through annual interest earned statements, meaning there was no visibility to total account value. However, with this, we can be relatively certain that my Grandma owned this account for many years, it was set up and maintained by her, etc.
I have visited both institutions multiple times over the past week. Wells Fargo is opening a case and will assign a case manager today. Theoretically they will then call me to get any info and begin their investigation. I am told they are “working on” stopping the ACH on their end, but my personal banker contact isn’t able to provide a timeline or process for what this looks like. The banker I’ve been working with indicated this may take a year or longer to resolve. I don’t know if he is trying to “under promise and over deliver” or if this is a genuine possibility for the resolution timeframe?
I brought the paperwork from Wells Fargo confirming no accounts/mortgages in Grandma’s name to the Credit Union yesterday in hopes they can stop the ACH on their end. The next withdrawal will be June 2 if neither institution is able to stop this, putting the Credit Union account negative and accruing fees as a result. I am unable to dispute transactions from the credit union side (no PR paperwork) and have basically been told that it’s in legal’s hands.
I’ve been told the Credit Union account must legally be closed within a year of Grandma’s passing and I’m hopeful we can get the funds returned to this account within that timeframe. Otherwise my understanding is that any funds may be provided via check to the “estate” thus requiring expensive and time consuming probate, which we very much hope to avoid. I’m reluctant to remove the existing $1K in the account for fear they will auto-close the account (a very real possibility according to my banker at the Credit Union) and this will cause additional hurdles in recouping any potential funds from Wells Fargo in a timely manner.
I have reached out to our Estate Attorney who helped us with Grandma’s paperwork prior to death/dementia, but they said this isn’t their area of expertise and they can offer no help or advice. So I’m hopeful trying to get wisdom from you all. Any wisdom would be appreciated! I’m out of my depths here…
I know this is a super rare and strange situation, but it is infuriating bouncing from Wells Fargo bank to Credit Union and back and getting no further in the process. I’ve now spent 22 hours across 4 business days at banking institutions trying to resolve/stop this. So, my questions to those savvy with these situations are:

What is the likelihood of recouping these funds? Potential timeline?
What is the likelihood stopping the ACH? Surely (perhaps I am naive) these banking institutions have some sort of obligation to investigate and stop fraud if it is identified?
Are the banking institutions required to report this to authorities if fraud has occurred?
Should I notify authorities (police, Attorney Generals office, other?). My assumption is that the victim (Grandma) would typically report this crime but since she has passed away, do I meet necessary thresholds to report this as her next of kin? Is there a value or risk to making this notification sooner than later?
Should I be seeking some sort of fraud attorney here?
Is there anything else I can or should be doing to be proactive about this situation?

Thanks in advance!

submitted by aizlynskye to AskALawyer [link] [comments]

2024.05.15 19:31 Severe-Fennel-202 GTS 4.0 Track Days

Hey everyone! I thought it'd be cool to start a fun thread for those of you who track your cars. If you haven't tried it yet, you're definitely missing out. Yesterday marked my 4th solo day at the Ridge Racetrack in Shelton, WA, and it was a blast. This track, nestled in the foothills of the Olympic Mountains with views of the Cascades and Mt. Rainier, is relatively new but absolutely fantastic. Its challenging layout with few walls means there's little room for error, but that just adds to the thrill and builds confidence as you push yourself.
While I'm still far from being a pro, it's amazing to see my progress. I'm getting quicker and now running with the high-intermediate group, often leading in passes with minimal point-bys. I managed a decent lap time of 1:58.73 yesterday, considering I'm using Michelin PS4S tires.
The first couple of days this season were incredibly wet, typical for the PNW, but it was a valuable learning experience navigating through rain and understanding the limits of traction. Trust me, standing water is not your friend! But the last two days have been dry and glorious, allowing me to truly appreciate the capabilities of these cars. If you've never pushed beyond 8/10ths, you're missing out on discovering the full potential of your vehicle. Having a seasoned instructor ride with me really opened my eyes to the untapped grip and racing lines, showing me there's so much more to these cars than meets the eye.
As some of you might know, I've upgraded my car with power enhancements like a tune, OAPs, and Soul Street headers. Along with a track alignment and the most aggressive stock setup, the handling improvements are significant, making turn-ins much smoother. I've got 19-inch forged wheels on order and plan to fit them with Nankang tires. While many suggest sticking with the PS4S for now to sharpen driving skills, I'm eager to explore the potential of these upgrades.
I've also invested in Open Track Insurance for the whole year, intending to make the most of it with over 15 track days planned for this season, sprinkled with some AutoX sessions.
My GT4+ Touring project is nearing completion; it's essentially my fully modded GTS with performance and aesthetic enhancements. I'm excited to share dyno test results and comparisons of tunes, along with other upgrades, when I return from Hawaii in a few weeks.
I absolutely adore my car and didn't anticipate diving so deeply into tracking and performance driving. However, I still cherish cruising around Seattle and its backroads with my wife. That said, I'm contemplating the idea of getting a GT4 RS. While it's undeniably a track beast, I have reservations about its practicality for everyday driving in Seattle and the substantial price hike. Financially, I could swing it, but it might not be the wisest move, especially since my GTS is nearly paid off. But the allure of the 4 RS's track prowess is hard to resist. If production were ongoing, I probably wouldn't even consider it, given how much I still have to learn. Yet, knowing time is ticking, it could be a vehicle I grow with over the next decade. But is it worth sacrificing those warm summer evening drives with my wife for track dominance? Decisions, decisions.
For any track newbies looking to chat about my experiences, feel free to hit me up. And seasoned drivers, I'm all ears for your advice. As always, you can follow my journey on Instagram @_GTS_Panda.
Happy driving, everyone!
https://preview.redd.it/mo2x1u5clm0d1.jpg?width=1211&format=pjpg&auto=webp&s=a99f0350ad2ef3ae530f0f60352a044c5f1cd3d8
https://preview.redd.it/hiv39ygclm0d1.jpg?width=1290&format=pjpg&auto=webp&s=db172040ad3dcaf210a59fc91d6fdce52d3e7481
-Giancarlo

submitted by Severe-Fennel-202 to Porsche_Cayman [link] [comments]

2024.05.15 18:51 aizlynskye Potential $39K Elder Fraud dating back to Summer 2022. Unauthorized ACH from Credit Union checking to Wells Fargo Mortgage acct discovered after death.

TL;DR- all signs indicate deceased Grandma’s account was being charged for unauthorized ACH to Wells Fargo mortgage loan from unknown person dating back to June 2022 and roughly ~$39K in damages. What do I (next of kin, first in succession - Colorado) do to stop the continuing withdrawals and recoup funds? More detailed questions at the end of this novel.
I have reached out to our Estate Attorney who helped us with Grandma’s paperwork prior to death/dementia, but I’m still waiting to hear back from them and this is a little out of their arena as well so trying to get wisdom from you all. Any wisdom would be appreciated! I’m out of my depths here…
My Grandma recently passed away. Her estate wasn’t complicated and so was set up (with the guidance of an Estate Lawyer) with NO will and NO trust - everything was set up POD/TOD/Beneficiary with me (last of kin) 50% and 50% Aunt (by marriage, divorced uncle/grandmas son who died in 2020). I am the next of kin as both of my Grandmas children preceded her in death and I have a (Colorado) small claims affidavit entitling me to any assets discovered under $82K which entitles me to funds but not account access/details/changes/statements. I do not have any Personal Representative or Executor paperwork as there was no will/trust. The intent was to avoid probate through POD/TOD/Beneficiary.
Two weeks after Grandma’s passing we discovered a local credit union checking + money market account that no one knew existed. A statement was sent to my Aunt (by marriage, since divorced, Uncle passed in 2020) showing two accounts (checking and money market) and a ~$2400 ACH transaction from the credit union to an unknown Wells Fargo Mortgage account. No one knew this credit union accounts existed. There is no TOD/POD/beneficiary. No one had any idea to check this account or that these deductions were coming out. Credit union confirmed the ACH originated at Wells Fargo.
My grandma had no mortgages. She did bank with Wells Fargo but they confirmed in writing that she has no open accounts there (Aunt and I already closed her accounts at that institution) and never had any mortgage products, including co-signing. Grandma is in no way associated with this Mortgage account, from what Wells Fargo can tell. Last I heard, Wells Fargo was working on their end to identify who signed the authorization for the monthly mortgage ACH withdraw and how a red flag didn’t pop up indicating the payee and payer accounts have different names. We have also been to the tax assessors office who confirmed Grandma owned no other property or had no other mortgages in the state. My Aunt and I are the last living members of the family.
From what little I’ve been able to gather (given that I do not have personal representative or executor paperwork), the credit union account once stood at $40K (a new banker accidentally shared this info not knowing it was privileged) and has been depleted down to $1K since the ACH deductions began in June 2022. Grandma was in an assisted living & memory care facility beginning January 2021. I assume that Grandma’s dementia diagnosis would have negated her ability to sign for a loan/cosigner of any kind if some sort of “authorization” DID occur? I am also highly suspicious that Grandma had no knowledge of this, she didn’t authorize anything, and this is all in error or her info was stolen from the assisted living facility or elsewhere.
It turns out Grandma’s tax accountant who has done her taxes for many (10 ish?) years did know about the existence of the Credit Union account, but only through annual interest earned statements, meaning there was no visibility to total account value. However, with this, we can be relatively certain that my Grandma owned this account for many years, it was set up and maintained by her, etc.
I have visited both institutions multiple times over the past week. Wells Fargo is opening a case and will assign a case manager today. Theoretically they will then call me to get any info and begin their investigation. I am told they are “working on” stopping the ACH on their end, but my personal banker contact isn’t able to provide a timeline or process for what this looks like. The banker I’ve been working with indicated this may take a year or longer to resolve. I don’t know if he is trying to “under promise and over deliver” or if this is a genuine possibility for the resolution timeframe?
I brought the paperwork from Wells Fargo confirming no accounts/mortgages in Grandma’s name to the Credit Union yesterday in hopes they can stop the ACH on their end. The next withdrawal will be June 2 if neither institution is able to stop this, putting the Credit Union account negative and accruing fees as a result. I am unable to dispute transactions from the credit union side (no PR paperwork) and have basically been told that it’s in legal’s hands.
I’ve been told the Credit Union account must legally be closed within a year of Grandma’s passing and I’m hopeful we can get the funds returned to this account within that timeframe. Otherwise my understanding is that any funds may be provided via check to the “estate” thus requiring expensive and time consuming probate, which we very much hope to avoid. I’m reluctant to remove the existing $1K in the account for fear they will auto-close the account (a very real possibility according to my banker at the Credit Union) and this will cause additional hurdles in recouping any potential funds from Wells Fargo in a timely manner.
I know this is a super rare and strange situation, but it is infuriating bouncing from Wells Fargo bank to Credit Union and back and getting no further in the process. I’ve now spent 22 hours across 4 business days at banking institutions trying to resolve/stop this. So, my questions to those savvy with these situations are:

What is the likelihood of recouping these funds? Potential timeline?
What is the likelihood stopping the ACH? Surely (perhaps I am naive) these banking institutions have some sort of obligation to investigate and stop fraud if it is identified?
Are the banking institutions required to report this to authorities if fraud has occurred?
Should I notify authorities (police, Attorney Generals office, other?). My assumption is that the victim (Grandma) would typically report this crime but since she has passed away, do I meet necessary thresholds to report this as her next of kin? Is there a value or risk to making this notification sooner than later?
Is there anything else I can or should be doing to be proactive about this situation?

Thanks in advance!

submitted by aizlynskye to legaladvice [link] [comments]

2024.05.15 17:45 TheMoatInvestor Go Digit IPO Analysis

Business
GO Digit Insurance started in 2017 as a full stack digital insurance company with GWP ( Gross Written premium) of Rs 7240cr in FY23 ( GWP growth of 49% CAGR between FY21 to FY23). Go Digit offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance.
As of Dec '23, there were 4.33 crore customers who availed insurance at Go Digit since the inception in 2017. Go Digit is focused on simplifying insurance documentation with aim to ensure that the language of the insurance contract is understandable to all, including a 15 year old.
According to RedSeer report, Go Digit constitute 82.1%of the GWP written by digital full stack insurance players ( others Acko , Navi) making them the largest digital full stack insurance player in India. Go digit has 3.3% market share in FY23 in non- life GWP across all non- life insurers, and 6% market share among the motor insurers. Go Digit grew 37.5% in FY23 while the private non-life insurers (excluding standalone health insurers) overall grew by approximately 20.1% during the same period.
Product mix (in terms of GWP- FY23)
Motor 62.5% Health 10.5% Property & engineering 10.4% Liability 9.2% Personal accident 2.4% Others 5%
Go Digit has 6% market share in motor insurance, which is 6th largest motor insurer. Competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
https://preview.redd.it/5w4rz4jvql0d1.png?width=496&format=png&auto=webp&s=757a7d308eee61090f740997e4f50eec32156172
https://preview.redd.it/kxxtrmu0rl0d1.png?width=796&format=png&auto=webp&s=014b67866ad33890b8b4497260dd44f0f44f0152
Go Digit is present in 24 states , has relationships with 61,972 Key Distribution Partners, including approximately 58,532 POSPs ( point of sale persons- selling insurance of multiple insurance cos. ), as well as individual agents( tied to single insurance co.), corporate agents, brokers and others. Go Digit has 74 products in total.
The traditional manual underwriting processes are being disrupted by AI/ML-based risk modelling and predictive underwriting. The use of IoT and telematics is making risk analysis more efficient with the use of large data packets that can tailor personalized insurance products at flexible pricing to customers. Using AI systems that assess an application profile against large number of data points accrued from multiple sources, underwriters can gain visibility into the most relevant risk factors. Using predictive ML solutions, Go Digit is able to roll out fairly-priced quotes quickly and achieve higher profitability through their pricing strategy. Thus, AI/ ML based underwriting helps improve underwriting efficiency compared to manual traditional underwriting
Digital full stack insurance companies have been progressively gaining market share from incumbents. Go Digit GWP grew by approximately 37.5% while the private non-life insurers (excluding standalone health insurers) overall grew by 20.1% in FY23. Go Digit caters for approximately 82.1% of the GWP of the digital full stack insurance players in FY23. ( Go Digit, Acko, Navi)
Industry overview
Insurance industry
80cr Indians have access to internet, 65cr are smartphone users, 45 cr are online transactors. According to IBEF, Life insurance industry is 7,32,000 cr ( F22) in terms of GWP ( Gross Written Premium) and non-life insurance industry ( health, motor, fire, marine, others) is 2,73,060 cr (FY23), out of which health GWP is Rs 92840cr , Motor GWP is Rs 84650cr. Non- life insurance is estimated to grow at a CAGR of 15-16% till 2028. Life insurance penetration in India is 3.2% ( Japan 5.8%) and non-life penetration is 1% ( China 1.9%). Non- life insurance density (total GDPI on a per capita basis) in India is 23, for China it is 234.
Distribution mix looks like this
https://preview.redd.it/thyjaomfrl0d1.png?width=313&format=png&auto=webp&s=59d41ce433d742a95b60f2f30ce1ea38b99730c2
https://preview.redd.it/69melijhrl0d1.png?width=744&format=png&auto=webp&s=e312809d6f2dedf35637fd4a6b2ac8554d9567d8
https://preview.redd.it/gm41lerirl0d1.png?width=713&format=png&auto=webp&s=3e45d1d9564f7cda1c004eb776b1475e6d867db9
Motor insurance
The 4 Public sector insurers account for 30.2% of the Motor insurance market in Financial Year 2023 with the rest fragmented among the Private players. Among Private players, Go Digit accounted for a GWP market share of 6% FY23. In motor, competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
In FY23, as per Government sources, 54% of total vehicles plying on the Indian roads were estimated to be uninsured, indicating that the motor insurance market is still highly under-penetrated in India, figure for US is 14%
Health Insurance
In health, govt. players (New india, Oriental, United, National) control 48% of market, then Star health 14%. Private non-life insurers control 63.4% of the overall market share, rest 36.6% by public health insurers.
Operating Metrics
Distribution mix (count of each channel in graphic below)
Brokers & Web Aggregators 66% This channel includes retail brokers, corporate brokers and web aggregators.
Individual Agents and POSPs 13% This includes business written through insurance agency partners and POSP.
Corporate Agents 1% We also have partnerships with corporations, such as financial institutions and NBFCs
Motor Insurance Service Providers 1.1% partnerships with auto dealers that establish a point of sale presence for personal and commercial vehicle
Direct to Consumer 18.9% Customers looking to purchase insurance can do so directly from Go Digit website or through web aggregators.
Investment portfolio
Total AUM stands at Rs12670cr as on FY23 with an yield of 6.3% ( vs 7.1% of ICICI Lombard). AUM increased by 2.67 times from FY21 to FY23. As of FY23, Go Digit had invested in securities issued by the Indian government (which constituted 68.5% total investments), corporate bonds issued by corporates (which constituted 24.7% ), Additional Tier 1 bonds (which constituted 3.3% ), money market, AIF and mutual funds (which constituted 2.3%) and equity issued by corporates (which constituted 1.2%). 97% of assets in govt bonds or corporate bonds,with 72% of corporate bonds AAA rated.
https://preview.redd.it/j1doibnorl0d1.png?width=793&format=png&auto=webp&s=a0fec228ac389054c3f8f17ee93bae9f169c99dd
Combined ratio of GoDigit stands at 107.4% ( ICICI Lombard 103.2%, HDFC Ergo 121.2%) Combined ratio of public cos stands at 129.1%, private insurers at 105.9% Expense ratio of Go Digit stands at 40.2% ( that of ICICI Lombard at 32.1%, HDFC Ergo at 23.7%.). Loss ratio of FY23 is 67.2% vs 74% in FY21. Solvency ratio stands at 1.78 (ICICI 2.51, HDFC Ergo 1.81)
https://preview.redd.it/8hvhtslrrl0d1.png?width=648&format=png&auto=webp&s=6a5bc34442c8d91ea60c84a541c0de9eaadd2b97
ROA stands at 1.5% ( ICICI Lombard at 17%, HDFC Ergo 18.1%) Operating profit ratio stands at -1.3% ( vs 16% of ICICI Lombard, 8.4% of HDFC Ergo).
Total investment AUM growth of 50.5% from FY21 to FY23 to 12670cr. Gross Written Premium of Rs 7240cr, with 49.4% CAGR from FY21 to FY23.
Financials
https://preview.redd.it/6ld853cxrl0d1.png?width=609&format=png&auto=webp&s=ef59a75744b9b526494e72bc3ee35c1133f5017e
Underwriting loss of 66cr in FY23, reduced to 10cr as on 9M FY24. Investment income of 105cr in FY23. Profit after tax of 39cr in FY23, that of 130cr in 9M FY24. Branding/ ad expenses for FY23 account for Rs 11480cr ( 15% of GWP)
Points to consider
As per 9M FY24 PAT, P/E ratio comes at 145 as per price of Rs 272 per share, whereas P/E ratio for ICICI Lombard is at 41, Star health insurance at 37.
Dependence on motor insurance is 62.5% of GWP, which is little skewed towards one segment.
Operating losses / underwriting losses amount to Rs 66 cr for FY23, making Go Digit dependent on solely investment profits, which is the case for some players in the industry.
Combined ratio stands at 107.4%, tad higher than average of private insurers figures of 105%
AUM CAGR of 50.5% from FY21 to FY23 , which is commendable. GWP CAGR of 49.4% between FY21 and FY23. Co is growing real fast.
ROA stands at 1.5% as still in nascent stage vs ICICI Lombard of 17%
Despite being a newer player, Go Digit has garnered 6% market share in motor insurance, which makes them 6th largest motor insurer. ( ICICI Lombard at 10% ms stands 2nd)
Go Digit is a full stack digital insurance player, using AI/ ML to automate most of the insurance customers onboarded and claims underwritten, giving them cost advantage once they achieve considerable scale.

submitted by TheMoatInvestor to IndianStockMarket [link] [comments]

2024.05.15 17:44 TheMoatInvestor Go Digit Insurance IPO Analysis

Business
GO Digit Insurance started in 2017 as a full stack digital insurance company with GWP ( Gross Written premium) of Rs 7240cr in FY23 ( GWP growth of 49% CAGR between FY21 to FY23). Go Digit offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance.
As of Dec '23, there were 4.33 crore customers who availed insurance at Go Digit since the inception in 2017. Go Digit is focused on simplifying insurance documentation with aim to ensure that the language of the insurance contract is understandable to all, including a 15 year old.
According to RedSeer report, Go Digit constitute 82.1%of the GWP written by digital full stack insurance players ( others Acko , Navi) making them the largest digital full stack insurance player in India. Go digit has 3.3% market share in FY23 in non- life GWP across all non- life insurers, and 6% market share among the motor insurers. Go Digit grew 37.5% in FY23 while the private non-life insurers (excluding standalone health insurers) overall grew by approximately 20.1% during the same period. Product mix (in terms of GWP- FY23)
Motor 62.5% Health 10.5% Property & engineering 10.4% Liability 9.2% Personal accident 2.4% Others 5%
Go Digit has 6% market share in motor insurance, which is 6th largest motor insurer. Competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
https://preview.redd.it/fpb9ws0gtl0d1.png?width=496&format=png&auto=webp&s=569af34494bf32df0fd5287ef7932079f82e5526
https://preview.redd.it/usrylghhtl0d1.png?width=796&format=png&auto=webp&s=0af5890c82395a8fccc5e1da837526911b2bb031
Go Digit is present in 24 states , has relationships with 61,972 Key Distribution Partners, including approximately 58,532 POSPs ( point of sale persons- selling insurance of multiple insurance cos. ), as well as individual agents( tied to single insurance co.), corporate agents, brokers and others. Go Digit has 74 products in total.
The traditional manual underwriting processes are being disrupted by AI/ML-based risk modelling and predictive underwriting. The use of IoT and telematics is making risk analysis more efficient with the use of large data packets that can tailor personalized insurance products at flexible pricing to customers. Using AI systems that assess an application profile against large number of data points accrued from multiple sources, underwriters can gain visibility into the most relevant risk factors. Using predictive ML solutions, Go Digit is able to roll out fairly-priced quotes quickly and achieve higher profitability through their pricing strategy. Thus, AI/ ML based underwriting helps improve underwriting efficiency compared to manual traditional underwriting Digital full stack insurance companies have been progressively gaining market share from incumbents. Go Digit GWP grew by approximately 37.5% while the private non-life insurers (excluding standalone health insurers) overall grew by 20.1% in FY23. Go Digit caters for approximately 82.1% of the GWP of the digital full stack insurance players in FY23. ( Go Digit, Acko, Navi)
Industry overview
Insurance industry
80cr Indians have access to internet, 65cr are smartphone users, 45 cr are online transactors. According to IBEF, Life insurance industry is 7,32,000 cr ( F22) in terms of GWP ( Gross Written Premium) and non-life insurance industry ( health, motor, fire, marine, others) is 2,73,060 cr (FY23), out of which health GWP is Rs 92840cr , Motor GWP is Rs 84650cr.
https://preview.redd.it/o95adeaptl0d1.png?width=793&format=png&auto=webp&s=033e91aae0db0deb8dcbb378440506cdc15e8493
Non- life insurance is estimated to grow at a CAGR of 15-16% till 2028. Life insurance penetration in India is 3.2% ( Japan 5.8%) and non-life penetration is 1% ( China 1.9%). Non- life insurance density (total GDPI on a per capita basis) in India is 23, for China it is 234.
Distribution mix looks like this
https://preview.redd.it/x01fjpujtl0d1.png?width=313&format=png&auto=webp&s=a8365a90e6c62881c3bdade5da9649382b9b7e56
https://preview.redd.it/yduk21kmtl0d1.png?width=744&format=png&auto=webp&s=15302d2dea08c115d4ba433a9779d4f91f182c06
https://preview.redd.it/rn1d238ntl0d1.png?width=713&format=png&auto=webp&s=c5a7910dad08722822ca5a92c8451a51c95d1d2d
Motor insurance
The 4 Public sector insurers account for 30.2% of the Motor insurance market in Financial Year 2023 with the rest fragmented among the Private players. Among Private players, Go Digit accounted for a GWP market share of 6% FY23. In motor, competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
In FY23, as per Government sources, 54% of total vehicles plying on the Indian roads were estimated to be uninsured, indicating that the motor insurance market is still highly under-penetrated in India, figure for US is 14%
Health Insurance
In health, govt. players (New india, Oriental, United, National) control 48% of market, then Star health 14%. Private non-life insurers control 63.4% of the overall market share, rest 36.6% by public health insurers.
Operating Metrics
Distribution mix (count of each channel in graphic below)
Brokers & Web Aggregators 66% This channel includes retail brokers, corporate brokers and web aggregators.
Individual Agents and POSPs 13% This includes business written through insurance agency partners and POSP.
Corporate Agents 1% We also have partnerships with corporations, such as financial institutions and NBFCs
Motor Insurance Service Providers 1.1% partnerships with auto dealers that establish a point of sale presence for personal and commercial vehicle
Direct to Consumer 18.9% Customers looking to purchase insurance can do so directly from Go Digit website or through web aggregators.
Investment portfolio
Total AUM stands at Rs12670cr as on FY23 with an yield of 6.3% ( vs 7.1% of ICICI Lombard). AUM increased by 2.67 times from FY21 to FY23. As of FY23, Go Digit had invested in securities issued by the Indian government (which constituted 68.5% total investments), corporate bonds issued by corporates (which constituted 24.7% ), Additional Tier 1 bonds (which constituted 3.3% ), money market, AIF and mutual funds (which constituted 2.3%) and equity issued by corporates (which constituted 1.2%). 97% of assets in govt bonds or corporate bonds,with 72% of corporate bonds AAA rated.
https://preview.redd.it/o95adeaptl0d1.png?width=793&format=png&auto=webp&s=033e91aae0db0deb8dcbb378440506cdc15e8493
Combined ratio of GoDigit stands at 107.4% ( ICICI Lombard 103.2%, HDFC Ergo 121.2%) Combined ratio of public cos stands at 129.1%, private insurers at 105.9% Expense ratio of Go Digit stands at 40.2% ( that of ICICI Lombard at 32.1%, HDFC Ergo at 23.7%.). Loss ratio of FY23 is 67.2% vs 74% in FY21. Solvency ratio stands at 1.78 (ICICI 2.51, HDFC Ergo 1.81)
https://preview.redd.it/sw48kw6rtl0d1.png?width=648&format=png&auto=webp&s=dddb8423ad3da1e602ba011109a0d3251fa0a134
ROA stands at 1.5% ( ICICI Lombard at 17%, HDFC Ergo 18.1%) Operating profit ratio stands at -1.3% ( vs 16% of ICICI Lombard, 8.4% of HDFC Ergo).
Total investment AUM growth of 50.5% from FY21 to FY23 to 12670cr. Gross Written Premium of Rs 7240cr, with 49.4% CAGR from FY21 to FY23.
Financials
https://preview.redd.it/0ptw17lstl0d1.png?width=609&format=png&auto=webp&s=96808ccd80051fabac413327550f7d99a771a18a
Underwriting loss of 66cr in FY23, reduced to 10cr as on 9M FY24. Investment income of 105cr in FY23. Profit after tax of 39cr in FY23, that of 130cr in 9M FY24. Branding/ ad expenses for FY23 account for Rs 11480cr ( 15% of GWP)
Points to consider
As per 9M FY24 PAT, P/E ratio comes at 145 as per price of Rs 272 per share, whereas P/E ratio for ICICI Lombard is at 41, Star health insurance at 37.
Dependence on motor insurance is 62.5% of GWP, which is little skewed towards one segment.Operating losses / underwriting losses amount to Rs 66 cr for FY23, making Go Digit dependent on solely investment profits, which is the case for some players in the industry.
Combined ratio stands at 107.4%, tad higher than average of private insurers figures of 105%
AUM CAGR of 50.5% from FY21 to FY23 , which is commendable.
GWP CAGR of 49.4% between FY21 and FY23. Co is growing real fast.
ROA stands at 1.5% as still in nascent stage vs ICICI Lombard of 17%
Despite being a newer player, Go Digit has garnered 6% market share in motor insurance, which makes them 6th largest motor insurer. ( ICICI Lombard at 10% ms stands 2nd)
Go Digit is a full stack digital insurance player, using AI/ ML to automate most of the insurance customers onboarded and claims underwritten, giving them cost advantage once they achieve considerable scale.

submitted by TheMoatInvestor to IndianStreetBets [link] [comments]

2024.05.15 17:43 thinkingstranger May 14, 2024

Today the White House announced tariffs on certain products imported from China, including steel and aluminum products, semiconductors, electric vehicles, batteries and battery components, solar cells, ship-to-shore cranes, syringes and needles, and certain personal protective equipment (or PPE). According to the White House, these higher tariffs are designed “to protect American workers and businesses from China’s unfair trade practices.” Tariffs are essentially taxes on imported goods, and altogether the tariff hikes cover about $18 billion in imported goods.
In 2018, Trump abruptly ended the economic era based on the idea that free trade benefited the global economy by putting tariffs of 25% on a wide range of foreign made goods. This was a cap to a set of ideas that had been sputtering for a while as industries moved to countries with cheaper labor, feeding the popular discontent Trump tapped into. Trump claimed that other countries would pay his tariffs, but tariffs are actually paid by Americans, not foreign countries, and his have cost Americans more than $230 billion. Half of that has come in under the Biden administration.
Trump’s tariffs also actually cost jobs, but they were very popular politically. A January 2024 National Bureau of Economic Research working paper by David Autor, Anne Beck, David Dorn, and Gordon H. Hanson established that the trade war of 2018–2019 hurt the U.S. heartland but actually helped Trump’s reelection campaign. “Residents of regions more exposed to import tariffs became less likely to identify as Democrats, more likely to vote to reelect Donald Trump in 2020, and more likely to elect Republicans to Congress,” they discovered.
Now Trump is saying, that if elected, he will impose a 10% tariff on everything imported into the United States, with a 60% tariff on anything from China and a 100% tariff on any cars made outside the U.S.
In contrast, the administration’s new tariffs are aimed only at China, and only at industries already growing in the U.S., especially semiconductors. Tariffs will rise to 50% on semiconductors and solar cells, 100% on electric vehicles, and 25% on batteries, a hike that will help the Big Three automakers who agreed to union demands in newly opened battery factories, as well as their United Auto Workers workforce. “I’m determined that the future of electric vehicles be made in America by union workers. Period,” Biden said.
The administration says the tariffs are a response to China’s unfair trade practices, and such tariffs are popular in the manufacturing belt of Michigan, Wisconsin, Ohio, and Pennsylvania. Democratic senators from that region have asked Biden to maintain or increase tariffs on Chinese imports after “[g]enerations of free trade agreements that prioritize multinational corporations have devasted our communities, harmed our economy, and crippled our job market.”
In other economic news, a new rule capping credit card late fees at $8, about a quarter of what they are now, was supposed to go into effect today, but on Friday a federal judge in Texas blocked the rule. The new cap was set by the Consumer Financial Protection Bureau (CFPB), the brainchild of Massachusetts Democratic senator Elizabeth Warren, and was part of the Biden administration’s crackdown on “junk fees.”
The U.S. Chamber of Commerce and the American Bankers Association sued to stop the rule from taking effect, and U.S. District Judge Mark Pittman, appointed by Trump, issued a preliminary injunction against it. His reasoning draws from an argument advanced by the far-right Fifth Circuit, which oversees Texas, Mississippi, and Louisiana, arguing that the CFPB itself is unconstitutional because of its funding structure. "Consequently, any regulations promulgated under that regime are likely unconstitutional as well," Pittman wrote.
On Friday, major airlines, including American Airlines, Delta Air Lines, United Airlines, JetBlue Airways, Hawaiian Airlines, and Alaska Airlines—but not Southwest Airlines—sued the U.S. Department of Transportation over its new rule that requires the airlines disclose their fees, such as for checking bags, upfront to consumers. The department says consumers are overpaying by $543 million a year in unexpected fees.
The airlines say that the rule will confuse consumers and that its “attempt to regulate private business operations in a thriving marketplace is beyond its authority.”
The other big story of the day is the continuing attempt of the MAGA Republicans to overturn our democratic system.
This morning, House speaker Mike Johnson (R-LA), second in line for the presidency and sworn to uphold the Constitution, left his post in Washington, D.C., to appear with former president Trump at his trial for falsifying business records to deceive voters before the 2016 election. The House was due to consider the final passage of the crucially important Federal Aviation Authority Reauthorization Act, but Johnson chose instead to show up to do the work the judge’s gag order means Trump cannot do himself, attacking key witness Michael Cohen, Trump’s former fixer. Johnson described Cohen as “clearly on a mission for personal revenge” and, citing his “history of perjury,” said that “[n]o one should believe a word he says in there.”
“I do have a lot of surrogates,” Trump boasted this morning, “and they are speaking very beautifully.” Senator Tommy Tuberville (R-AL), who was also at the trial this morning, later said on Newsmax that they had indeed gone to “overcome this gag order.”
Johnson went on to call the trial “corrupt” and say “this ridiculous prosecution…is not about justice. It’s all about politics.” He left without taking questions. Meg Kinnard of the Associated Press called out the moment as “a remarkable moment in modern American politics: The House speaker turning his Republican Party against the federal and state legal systems that are foundational to the U.S. government and a cornerstone of democracy.”
Peter Eisler, Ned Parker, and Joseph Tanfani of Reuters explained today how those attacks on our judiciary are sparking widespread calls for violence against judges, with social media posters in echo chambers goading each other into ever more extreme statements. According to her lawyer, Stephanie Clifford, also known as Stormy Daniels, wore a bullet-proof vest as she came and went from court, an uncanny echo of the precautions necessary in mob trials.
In a different attack on our constitutional system, House Republicans are trying to replace the administration’s foreign policy with their own. Over the weekend, they introduced a bill to force President Biden to send offensive weapons to Israel for its invasion of Rafah, overruling the administration’s decision to withhold a shipment of 2,000-pound and 500-pound bombs after Israeli prime minister Benjamin Netanyahu announced his government would invade Rafah despite strong opposition from the Biden administration.
White House press secretary Karine Jean-Pierre told reporters: “We strongly, strongly oppose attempts to constrain the president’s ability to deploy a U.S. security assistance consistent with U.S. foreign policy and national security objectives.”
The Constitution establishes that the executive branch manages foreign affairs, and until 2015 it was an established practice that politics stopped at the water’s edge, meaning that Congress quarreled with the administration at home but the two presented a united front in foreign affairs. That practice ended in March 2015, when 47 Republican senators, led by freshman Arkansas senator Tom Cotton, wrote a letter to Iran’s leaders warning that they would not honor any agreement Iran reached with the Obama administration over its development of nuclear weapons.
The Obama administration did end up negotiating the July 2015 Joint Comprehensive Plan of Action with Iran and several world powers, under which Iran agreed to restrict its nuclear development and allow inspections in exchange for relief from economic sanctions. In 2018 the extremist Republicans got their way when Trump withdrew the U.S. from the deal, largely collapsing it, after which Iran resumed its expansion of the nuclear enrichment program it had stopped under the agreement.
Now extremists in the House are trying to run foreign policy on their own. The costs of that usurpation of power are clear in Niger, formerly a key U.S. ally in the counterterrorism effort in West Africa. The new prime minister of Niger, Ali Mahaman Lamine Zeine, whose party took power after a coup d’état threw out Niger’s democratically elected president, defended his country’s turn away from the U.S. and toward Russia in an interview with Rachel Chason of the Washington Post. Recalling the House’s six month delay in passing the national security supplemental bill, he said: “We have seen what the United States will do to defend its allies, because we have seen Ukraine and Israel.”
—
Notes:
https://www.politico.com/news/2024/05/13/white-house-opposes-house-bill-force-israeli-arm-shipments-00157691
https://www.nytimes.com/2024/05/14/nyregion/mike-johnson-trump-trial.html
https://apnews.com/article/donald-trump-speaker-mike-johnson-court-09aef3de395fa77843f2600f40da6ac3
https://www.vox.com/2015/3/10/8182063/tom-cottons-controversial-letter-to-iran-explained
https://www.cfr.org/backgroundewhat-iran-nuclear-deal
https://crsreports.congress.gov/product/pdf/IF/IF12106
https://fingfx.thomsonreuters.com/gfx/legaldocs/zgpokqdxlpd/05102024creditcard.pdf
https://www.texastribune.org/2018/08/30/under-trump-5th-circuit-becoming-even-more-conservative/
https://www.reuters.com/legal/us-judge-blocks-rule-capping-credit-card-late-fees-8-2024-05-10/
https://www.reuters.com/business/aerospace-defense/major-airlines-sue-biden-administration-over-fee-disclosure-rule-2024-05-13/
https://www.theguardian.com/us-news/article/2024/may/14/speaker-mike-johnson-house-trump-trial
https://www.cnn.com/2024/03/18/politics/donald-trump-tariffs-trade-waindex.html
https://www.reuters.com/markets/us/biden-sharply-hikes-us-tariffs-billions-chinese-chips-cars-2024-05-14/
https://www.nber.org/system/files/working_papers/w32082/w32082.pdf
https://www.brown.senate.gov/imo/media/doc/05012024section301tariffsletter.pdf
https://www.cnn.com/2024/05/14/politics/new-china-tariffs-biden-trump/index.html
https://www.npr.org/2024/05/14/1251096758/biden-china-tariffs-ev-electric-vehicles-5-things
https://www.whitehouse.gov/briefing-room/presidential-actions/2024/05/14/memorandum-on-actions-by-the-united-states-related-to-the-statutory-4-year-review-of-the-section-301-investigation-of-chinas-acts-policies-and-practices-related-to-technology-transfer-intellectua/
https://www.washingtonpost.com/world/2024/05/14/us-threats-led-rupture-vital-military-ties-nigerien-official-says/
https://talkingpointsmemo.com/edblog/cutting-the-spigot
https://www.reuters.com/investigates/special-report/usa-election-threats-courts/
https://www.cnn.com/2024/05/13/politics/video/stormy-daniels-bulletproof-vest-clark-brewster-trump-hush-money-trial-ac360-digvid
https://www.automotivedive.com/news/united-auto-workers-electric-vehicle-plant-joint-venture/704275/
https://www.forbes.com/sites/samabuelsamid/2024/05/14/volvo-polestar-tesla-detroit-take-biggest-hit-from-china-ev-tariffs/
Twitter (X):
atrupastatus/1790485101966487881
https://heathercoxrichardson.substack.com/p/may-14-2024

submitted by thinkingstranger to HeatherCoxRichardson [link] [comments]

2024.05.15 16:02 HisSunshine3-9 Peach Pepsi

Good morning my love. I saw you a lot yesterday. I didn't even have to dream at this time. I saw plenty of signs as I was awake. A recall for your car (that you no longer have) came in the mail for you yesterday. That's the first piece of mail I've seen with your name on it in a while. But it was funny, because as I was sitting around yesterday thinking about things, I just kept saying your name over and over and over because sometimes I feel like it draws you to me or manifests your energy toward me or maybe if I do it enough you will feel my energy that I send through the vibrations in the universe. Clearly it worked, at least over here. Because not only did that come in the mail, but then I was buying something online and I went to type in my name and it it auto-generated your name. Another sign. Another foreshadowing. They are always there and trust me I am seeing, understanding and listening to the messages. I just know it's not the right time yet. Not yet, hunny.
Yesterday when I was getting R's drinks at the store I saw they came out with a peach Pepsi. Of course, it immediately made me think of our crown peach and Pepsi drink that we love, so I decided to try it. It's not bad. It's definitely drinkable, but it's not as good as with crown LOL. I need to try it with crown peach and peach Pepsi for extra peachy flavor lol. I'm sure it would be good. But I'm not really a drinker anyway. I don't want to drink alone, because that makes me an alcoholic LOL. And it just doesn't do it for me anyway. The aftermath isn't worth it most of the time. I still have all of the same bottles of crown peach that were here from before.
Today I'm going to get a massage and I am actually going to make it to the thrift and pawn shops that I said I was going to do the other day. I am on a mission for something with citrine. A pendant, earrings or a cool ring. The last time I had a reiki massage she suggested that I start wearing and eating more yellow and orange. Not only that, but a bonus is that citrine is your birthstone so I want to wear it anyway. I saw a really cool flower and moon ring on Etsy but it was $400 and I'm not quite ready to spend that much on a ring right now. Which is why I'm hoping to find a good score at a pawn shop. Fingers crossed. Your energy was so present yesterday, actually the last few days really, so I am hoping it continues into today. I feel really good about finding a really cool piece of something with your birthstone with your energy being with me 🥰. I hope that me feeling you around so much means that you are missing me too and I hope that you can feel the energy that I try to send to you. One of my biggest fears is that you forget me, so I try to send vibes to prevent that from happening. Maybe I try too hard but I do it anyway. Maybe that sounds a little selfish, but I try not to look at it as being a negative gesture. I try to see the good so you know how much I think about you and love you and that I never forget you.
I hope you have a wonderful day my love. I miss you so much. I always wonder if you get tired of hearing me say that, but it's true, so I'm going to tell you anyway even if it's annoying. I wish there was a kissy face sticker in the little aliens or robots or whatever they are in the chat, but I don't see one. If there was one, I would send it to you 😘😘😘. I will talk to you soon. Always and forever. I love you more ❤️

submitted by HisSunshine3-9 to u/HisSunshine3-9 [link] [comments]

2024.05.15 15:51 r3crac BANGGOOD Deals (15.5.2024)!

BANGGOOD Deals Compilation (15.5.2024)!
Check products in compilation image: https://i.imgur.com/oUtwtKM.jpeg or https://i.ibb.co/mNDTktc/31dc90bc3a55.jpg
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-5- Namimno ExpressLRS ELRS 2.4G RC Nano RX
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-6- 12V Motorcycle Two-way Anti-theft Security Alarm System with Engine Start
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〽️ Price: 11.99 USD / Lowest before: 12.99 USD
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-13- NightEye Auto Lighting A315-S4 2Pcs Car LED Headlight Bulb
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-14- BlitzWolf BW-HP6 Wireless Headset ANC
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-20- Drillpro 20+1 Brushless Electric Screwdriver 1000W
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💣 Price: 22.99 USD / Lowest before: 24.99 USD
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Products compilation image: https://i.imgur.com/oUtwtKM.jpeg or https://i.ibb.co/mNDTktc/31dc90bc3a55.jpg

submitted by r3crac to couponsfromchina [link] [comments]

2024.05.15 12:16 Void_being420 If You're looking to invest in Basant Maheshwari's BM TOP 10 or similar smallcases, Read this before you buy it

This post is majorly focused on the BM TOP 10 or smallcases that invest in large-cap stocks.
Returns on BM TOP 10 in the past 5 months
https://preview.redd.it/esmhjafqsj0d1.png?width=830&format=png&auto=webp&s=8d8a1353f22df8e537cb5ec25f95d8253f68fe52

In the past 5 months, this smallcase has overall given -2.16% returns, whereas the underlying benchmark has given 5.63% returns in the same period. I know the data of investment is for a short-term time period, so they might in future outperform the index, or maybe not. Let's dive into it.

Research shows that 74% of actively managed funds underperform the benchmark index. This is also mentioned by Bogle in his book, where he states that if you continue to invest in an index fund at the end of the investment journey, you will be above the 85th percentile of people, i.e., 'you can beat 85% of active investors by doing nothing.' I have seen BM's recent video where he was criticizing index investing. However, as soon as he talks about the Nifty, he gives an example of the Nikkei and how it was unable to reach its top in 30 years, completely ignoring the diversity between India and Japan. In Japan, when the bubble crashed in 1992, the PE was around 75-80 (Nifty PE is ~21). Japan, at the time, had majorly exhausted its majorly infrastructure & other development opportunity , and China became the manufacturing hub, limiting Japanese growth opportunities. Whereas India, since Independence, has always been a developing economy and will continue to be at least until 2040, whichever political party comes into power. It will grow. BM completely ignores the US Index because that would be bad for his business, and people won't entertain his product. In my opinion, India will follow the US footsteps in terms of index investing because of the immense growth potential. I have also read BM's book 'The Thoughtful Investor,' where he criticized Sensex by saying, "IF YOU INVESTED AT THE PEAK OF THE HARSHAD MEHTA SCAM, YOU WOULD HAVE MADE NO RETURN FOR THE NEXT 15 YEARS," ignoring the existence of SIP. Any person with even slight knowledge of the market can see a this person's vendetta against index investing. I CAN GUARANTEE YOU THAT IF ANYTHING LIKE JAPAN EVER HAPPENS, THEN EVEN HIS SMALLCASE WOULD BE IN THE SAME BOAT.
So, even after reading this, if you still think the BM TOP 10 smallcase is better for you, let's move to the Second Chapter: FEES

https://preview.redd.it/af1570ys0k0d1.png?width=965&format=png&auto=webp&s=3dd7a0d3793db2652b734af682ed87a2ce60fa60
https://preview.redd.it/opya3zg7uk0d1.png?width=402&format=png&auto=webp&s=c7df698775da9362e3e0bf221f3222884c2765a4
FEES is something that was also criticized by Bogle. He mentions that the 'AGENT' who convinces you to invest in his personal FUND/PMS has the main objective of filling their own pockets, not increasing your portfolio. They will attract you with past returns, but as often said, 'past performance is no guarantee of future returns.' Now, the expense ratio of the Navi Nifty Fund is 0.06%. So, if you want to invest an amount more than Rs. 4.72 crores (28320/0.06%), [i.e., if you are confident that he will be able to beat the index consistently in the next 5-10-20 years], Only then you should consider investing in the BM TOP 10 smallcase.

If you still want to invest because of the THOUGHT PROCESS, let's move to the **THIRD CHAPTER: THOUGHT PROCESS.**You can check his video when he started this smallcase. His major reason for starting this fund was that he was CONFIDENT OF MULTIPLE INTEREST RATE CUTS BY THE FED in 2024. We all know how this turned out now. The market is currently assuming probably one rate cut at the end of the year. So, basically, his entire reason for starting this smallcase was that the FED would cut interest rates, leading to investment flowing into large-cap stocks. He personally never liked large-caps while labeling most of them as MOTA-HATHI (SLOW MOVERS), which basically means he has no personal conviction towards large-caps other than the interest rate cut, which didn't turn out too well at least for now.
If you still want to invest because of 'ACTIVE MANAGEMENT' or you think they 'WILL' beat the index, let's move to the FOURTH CHAPTER: ALTERNATIVES.I have selected the first fund that came to my mind, 'QUANT LARGECAP' (you could also check for other alternatives).In the last 5 months, QUANT or some other large-cap funds have given 8~12% returns.

https://preview.redd.it/dma64bcz7k0d1.png?width=765&format=png&auto=webp&s=ad050a03a0751081840e865132347f492c5bdcb6
https://preview.redd.it/r6jy1mxz7k0d1.png?width=737&format=png&auto=webp&s=464b1bf3004e65bfc3f9d4d6e30cb42dfc250d0f
https://preview.redd.it/687tnre08k0d1.png?width=726&format=png&auto=webp&s=b7155971ede1c9d21230346e2075df24bf09416a
Now, a fund like QUANT has an expense ratio of 0.59%, which means you should choose BM TOP 10 IF you want to invest more than Rs. 48 Lakhs (considering the fact that BM TOP 10 could beat the QUANT Large Cap Fund consistently in the longer term). This active large-cap fund also invests in futures and options, whether to hedge risk or perform strategies like covered calls, etc., which is likely not to happen in smallcases like BM TOP 10.

If you still want to invest because of professional advisory, let's move to the FIFTH CHAPTER: DO IT YOURSELF. f you still consider investing in this smallcase, then you must have a portfolio of at least over 50 Lakhs. It's not as difficult as people want you to believe to invest in stocks. Taking into account that you stick to large-caps (as they are more reliable and less likely to fudge the data), volatility in large-caps is limited, and it's very unlikely for a large-cap to go to zero. AND IF you're still not confident, then you always have can always go back to Nifty ETF or Mutual Fund. (as mentioned at the start 'sometime the best strategy is to do noting'- John Bogle)

And if you think I am personally targeting him for his political view or for any other reason, I have also written this post https://www.reddit.com/IndianStockMarket/comments/196bfwx/basant_maheshwari_what_ive_learned_from_him/?onetap_auto=true&one_tap=true which is +ve stuff about him
You should read "The Little Book of Common Sense Investing" by John Bogle for a better understanding of my points mentioned. Bogle is the person who started the index investing fund Vanguard, and the investment style is named after him, 'BOGLEHEAD.' His investment is also acknowledged by people like Peter Lynch & Warren Buffett.

submitted by Void_being420 to IndianStockMarket [link] [comments]

2024.05.15 10:53 PuzzleheadedBar6379 FUCK NTA

I travelled for fucking 3 hours and upon reaching my centre i got to know my exam has been postponed, My centre was in faridabad, jo notice nikala tha kal raat inhone usme saaf likha tha faridabad gurugram noida me exam honge FUCK NTA, Or ek to pata nhi konse jungle me centre h bahenchod 600 rs deke aaya hu auto wale ko aane jaane ka

submitted by PuzzleheadedBar6379 to CUETards [link] [comments]

2024.05.15 09:38 Q-Tonium Donatello Build with Nephew!

PCPartPicker Part List

Type	Item	Price
CPU	Intel Core i7-12700K 3.6 GHz 12-Core Processor	$246.72 @ Amazon
CPU Cooler	NZXT Kraken 240 RGB 78.02 CFM Liquid CPU Cooler	$160.99 @ Amazon
Thermal Compound	Thermal Grizzly Kryonaut 1 g Thermal Paste	$8.98 @ Amazon
Motherboard	Gigabyte Z790 AORUS ELITE AX ATX LGA1700 Motherboard	$219.99 @ Newegg
Memory	G.Skill Trident Z5 RGB 32 GB (2 x 16 GB) DDR5-6400 CL32 Memory	$109.99 @ Newegg
Storage	Western Digital Black SN850X 2 TB M.2-2280 PCIe 4.0 X4 NVME Solid State Drive	$145.01 @ Amazon
Video Card	Sapphire NITRO+ Radeon RX 7800 XT 16 GB Video Card	$569.99 @ Newegg
Case	NZXT H5 Flow RGB ATX Mid Tower Case	$99.99 @ Amazon
Power Supply	Corsair RM750e (2023) 750 W 80+ Gold Certified Fully Modular ATX Power Supply	$99.99 @ Amazon
Case Fan	NZXT F120 RGB Core 78.86 CFM 120 mm Fan	-
Case Fan	NZXT F120 RGB Core 78.86 CFM 120 mm Fan	-
Monitor	LG 32GP750-B 31.5" 2560 x 1440 165 Hz Monitor	$299.99 @ Amazon
Keyboard	Redragon DEVARAIAS K556 RGB Wired Gaming Keyboard	$59.99 @ Amazon
Speakers	Logitech Z313 25 W 2.1-Channel Speakers	$59.99 @ B&H
Custom	Rocketek Motherboard USB 2.0 9pin Header 1 to 4 Extension Hub Splitter Adapter - Converter MB USB 2.0 Female to 4 Female - 30CM USB 9-pin Internal Cable 9 pin Connector Adapter Port Multiplie	$13.99 @ Amazon
Custom	ABNO1 PSU Cable Extension Kit with Two Sets of Cable Combs 1x24Pin/1x8Pin(4+4) EPS/2x8Pin(6P+2P) PCI-E/ 30CM Length,PC Sleeved Cable for ATX Power Supply(Green)	$20.99 @ Amazon
Custom	DS UV Purple PC LED Light Strip 390nm Blacklight with Magnetic Design for PC Case Computer Lighting Kit,Mid Tower and Full Tower use (4Pack, S Series)	$20.00 @ Amazon
Custom	Uyubao GPU Support Bracket, Gpu Anti Sag Bracket, Graphics Card GPU Support, Video Card Sag Holder Bracket, GPU Stand, L(74mm-120mm)	-
Custom	AnkerWork C310 Webcam, 4K Webcam, 12 Megapixel, AI Auto Focus, AI Framing, AI Noise Canceling Mic, Built-in Privacy Cover, and Adjustable FOV, 1080p@60FPS HDR, for Video Calls and Livestreams	$99.99 @ Amazon
Custom	Thermalright LGA1700-BCF Black 12/13th CPU Straightening Anti-Bend Bracket, Bendy Platen, Intel 12th Gen CPU Fixing Fastener, Intel 12th Gen CPU Stress Bend Correction Fixture(Black)	$8.28 @ Amazon
Custom	Funko Pop! Movies: Teenage Mutant Ninja Turtles: Mutant Mayhem - Donatello	-
Custom	NZXT RGB and Fan Controller	$34.99
	Prices include shipping, taxes, rebates, and discounts
	Total	$2279.86
	Generated by PCPartPicker 2024-05-15 03:37 EDT-0400

submitted by Q-Tonium to PcBuild [link] [comments]

2024.05.15 05:22 featherwinglove I did it again, a new Trimps novelization (more faithful to story messages than the other one) Tightniks Run Zero

[OC Intro: The game is modded to increase basic jobs cost, seasonal events are disabled. Much of the crash details are based on NASA/SP-2008-565 Columbia Crew Survival Investigation Report recommendations especially Chapter 3 "Occupant Protection".]
The ship is without power, and Tightniks can't run the radar much without draining the batteries. He has only a few minutes of APU power left, goes over the best clearing he can find, and radars it. It varies by only a few feet from the aerodynamic glideslope there. He spots it out on the cameras and circles to go after that spot. He's only at two hundred feet now. With one hand on the stick, he uses the other to open the pressure equalization valve on the side hatch, then at one hundred feet, gets it undogged. Depending on how much damage he's going to get, it's less likely to be stuck closed and trap him. The dynamic vacuum this pulls in the cockpit rips most of the survival pack data cards from that rack and scatters them across the landscape. Crap, I'm gonna need those! Refocusing on surviving the next few seconds, he turns on the radar for the final approach, takes a last look around, then straight ahead at his forward camera and PFD, he clicks his HANS and shoulder strap locks in; after that, he can barely move, but that now is better than dying in this crash with a broken neck. He's a decent pilot and brings up the flare gently. Bringing up the alpha on this delta-winged ship, he balloons a little, but keeps the nose going up and restores a zero aerodynamic sink rate just above the highest terrain indicated by the radar altimeter. The ship bumps a little in the ground effect, and he can see the radar altitude cycling irregularly up and down about five feet at a time. Rougher than it looked from higher up! The body flap protecting the dead engines hits first, and the nose comes rapidly down. It hits, the screens go blank, and Tightniks is surrounded by airbags, some lifting his feet from the rudder petals and his hand from the control stick. It's blinding, it's disorienting, it's noisy, and, to his relief, it's long! It takes several seconds before the crashing cockpit stops moving. How many times did he flip over? Did he go sideways and roll? Am I rightside up? Are we really stopped on the ground? The airbags deflate, and he can move his arms. He gets his restraints loose and inspects himself. "Uck!" he says out loud (without the 'f'). No broken bones. His pressure suit can take his blood pressure. 116/81, pulse 112, blood oxygen 99 reads off on his left arm, I'll friggin' take it!
The ship is amazingly intact from what he can tell. He can't get any readings. The systems test meter seems to be working, but can't find any voltages anywhere. The ship seems to be completely dead. Behind him, 10 passenger seats are all surrounded by airbags and the back of the cabin ends in some sort of dirt-and-gravel and there's a bit of daylight seeping in around the edges. He was the only one on board, though, so their deployment was mostly academic (they might have stiffened the structure a little during the crash, but that's probably trivial.) Tightniks gets out of his spacesuit. The air on this planet is actually breathable. He gets the hatch open, steps outside and-
"A green shimmer erupts then disappears, and you hit the ground."
The human emerges from the glowing green mist and hits the ground. Groans. Pushes against that ground, trying to get back up. Where am I? What's my name? I remember nothing. Aren't babies born naked? He's got a dark blue button-down shirt on. A uniform? A shoulder patch. Gets up, looks around. I feel really heavy. I'm not that fat, am I? He picks up a small stone from the ground, this also feels heavier than it should. He rises to his feet and holds it out somewhat (he's unable to fully extend his arm) and lets it go. The stone hits the ground near his feet quickly and with remarkable speed. It's the gravity, it's greater than it is on- ...where am I from? This is- ...not my home planet? "Oooh..."
"Ka?" it says.
What is that? It's cute, at least.
It is not tame. He has no hope of catching it on foot. The creature seems to like the berries. Maybe if I gather some of those into one place and set some kind of trap...
33s: First trap.
I got one! The human lumbers up to the trap and gets the catch open. Do you bite? It doesn't matter much to me; I'm so friggin' screwed.
It doesn't. It looks at the human with a sense of wonder, actually. A blink and tilt of the head. Seems almost to be asking, Is it you? My purpose? My savior? Once out of the trap, which is totally wrecked, he has to make a new one from scratch, it follows him around like a imprinted hatchling bird.
Wiry little fella, you are. You're going to need some bulking up to do anything useful. The- ...'trimp', I guess... The trimp seems just barely able to feed itself. The human lets him into the broken ship's intact cabin, and it curls up comfortably in a passenger seat for a nap.
1m03s: Second trap.
"Apparently the Trimps breed if they're not working. Doesn't look pleasant."
What are they doing?
The trimps appear to be androgynous, and these two have paired off in the back of the ship. They're holding something carefully within a few hours, feeding it berries, grass, and- ...corundum.
Corundum?? Whatever that is, it isn't a baby.
1m35s: Third trap.
Only it IS a baby! The third trimp he trapped immediately joined the other two in raising it. They have a strange diet of food the human has found compatible with his own body, but they also eat rocks! They're careful to crush and sort aluminate minerals from silcate ones and only eat aluminate. Actually, they don't eat aluminate, they're only feeding it to the baby.
2m06s: Fourth trap.
All four are raising the same child, who is just starting to toddle. It seems these fellas have alumina or maybe even aluminum bones. The human takes a nap and wakes to find the first child grown up and they're starting to raise a second child, all five of them.
2m46s: Huts.
The human found a working bit of electronics. He calls it a pad, but maybe it's more like a smartphone. It has plans for two residential structures. The first, the smaller one, he can build right away, but the second one needs something called "drywall", and he has to figure out how to make that before he can build it. Huts and houses, apparently.
3m13s: 10 pop, full, first farmer.
The trimp he trained to farm and make paper took an incredible 50 units of food to get bulked up to do the work, and now it's not participating in rearing the child. But less than an hour after the trimp started farming and pulping, the child was out on its own, and the trimps did not start another. The ten seats on the ship were all full. Well, eleven counting the one up front that the human sleeps in. The pilot starts exploring the area.
3m28s: Battle.
Wait, what are you do-
The hostile roars and charges at the human, but one of his trimps jumps in front of him with a stick and they fight. It started right when the human got far enough away from the ship that the hostile non-trimps away from the ship began to regard him as leaving his own territory. After the trimp defeats the first enemy, it continues after other hostiles.
3m53s: Shield I in Z1c5.
The human is easily able to recover the loot in the territory cleared by the fighting trimp. Then he sees something glinting in the- That can't be! What the heck is that? It's a data card that fits his pad. It quite clearly regards trimp combat. He gets it loaded into his pad and studies it. I can do this, it just takes some wood. He returns to the ship to discover that they had already started on a new child before the fighter had even expired in battle. The human concentrates on his research.
4m38s: Mskel in Z1c11 defeated.
The remains of this one seem rather white and shiny. It's titanium! This enemy had titanium bones! He'll store them away. They'll be useful someday, I'm sure.
5m52s: Dagger I in Z1c20.
Where are these data cards coming from? The human wonders as he loads this one into his pad, It's for a weapon it calls a dagger. He blinks. I don't know what a dagger is. I'll take your word for it, data card. Needs metal. He has gathered some, but ore is plentiful. He can just dig and smelt it whenever he wants. For now, I'll continue researching.
6m18s: Arable in Z1c21.
It's an old cave that trimps like to live in. Why weren't they able to live there before? How could these friendly critters be confined to only the exact spot where THAT thing, he looks back where he came from, not remembering that he piloted the wrecked ship to its current resting place, crashed? This is really strange. I'll let them fill up this cave before advancing further. Wait, what about defenses? The hostiles never try to reclaim territory that they've lost, so he stops worrying about that fairly quickly.
8m22s: First hut is 0.3% first ever AP.
The trimps seem fairly easy to please in terms of living quarters. Two move into his first hut and start raising a child. The human has his tent, uniform, and the heater pilfered from his space suit. Not much of a mud fan.
9m59s: Miners in Z1c30.
Oh, what's on this data card? Sl3niw? Oh, I'm holding the pad upside down. Miners. I can teach trimps how to mine ores and smelt met- 200 units of food? Each job is getting more expensive to train a trimp for. He puts his bee nickels to his eyes and spots another data card probably 10 enemies away. "Sc"? Does that means science? I can teach trimps to do science??
13m57s: Scientists in Z1c40.
Due to the expense of training trimps, the human couldn't afford to build them shields until now, he's got Sh1-3 made for the fighter to capture the science training data card. 14m02s: One head went into that turtlimp shell, that of his fighter, but two came out: his fighter still has his head on, and he managed to get the turtlimp's head off. It rushes off after the deadly penguimp in the next cell. The shields are not doing all that much good, actually, but they're better than nothing. The human picks up and loads the science data card and- Holy runny sugar-free fudge crap! 1000 food units, but it'll endow them with the ability to speak. Good. I'm getting bored with no one to talk to.
14m28s: Bloodlust purchased and AutoFight enabled (that delay after getting it is an effect of jacking up the job cost.)
As the human buries this expired little trimp warrior, he comes to the sobering realization that he has more trimp graves in his growing trimp colony than he does live trimps. And yet they seem more hopeful now than before I got to know any of them. They seem to think I'm the solution to all their problems or- Those two look east somberly, then notice that he's watching them and smile back and wave at him. ...one problem that is specific, but very, very huge for them. [The only reason I say 'east' is because that's right on a map, and the game advances right across a row, then up. I might say 'northeast' on occasion for that reason.]
20m47s: Z1c73, Miners taken.
Are you my new mining foreman? The trimp who took to the mining training has dark brown fur that lays flat on its head. It's unusual in not having any bits that stick out from its head, ahoge or whatever. This one is relatively quiet, and while it has assimilated the mining and smelting knowledge, it needs to bulk up to do any mining. Smelting is relatively easy, and getting a strong natural draft going in a furnace is almost trivial with the increased gravity. This trimp builds furnaces like nothing. And likes to nap in holes it digs right on the spot; it's weird that way. [Puchim@s Yukipo, and furnaces are not explicit in Trimps.]
21m58s: Farming in Z1c80.
The resourcing "books" are not data cards but paper scrolls, apparently lost to the trimps. It seems that they were civilized in the recent past and some calamity swept over the planet to reduce them to this. Did I have something to do with it? Amnesia sucks harder than a Dyson- ...what's a Dyson? Whatever, it sucks. This disaster happening just before I crash in the only spot with trimps still alive would be a seriously crazy coincidence! Something is really, really wrong about all this. [The author has not sought or received product placement permission or fee from Dyson Technology Ltd. or any resellers of their stuff, just they literally suck balls and made my favorite vacuum cleaner.]
23m50s: Builder in Z1c90.
They've rescued an, I dunno, gelding trimp? It just started to build a shed around the piled lumber I left to build one. It's really slow compared to me, and just banged its thumb, but it is super cute with that long reddish head fur. That particular trimp is also fascinated with pink ribbons and likes to decorate its head fur with them. Because of its inherent inability to participate in rearing children, it isn't counted in the population. [Puchim@s Io, builder on the basis of Iori seen building in 1x10.]
26m02s: Zone 2, 44 pop, 5.5s RC with Z0/1.
It's some sort of tactical manual - tactical coordination. Coordination! He's starting to sort out some trimpese on the research he has done so far. It needs a lot of metal, so they won't be able to implement it for some time. Hopefully, they're still good one at a time, but these enemies seem to be getting bigger as we go along. Uh oh!
27m33s: Gym in Z2c5.
It's some sort of training dojo or sporting arena. The human examines the ruins, I think I can back-engineer drawings for this, get one built, and see what happens.
29m02s: 1g, 47 pop, 10.8s RC with Z1/2.
The two fighting trimps now with their gym and coordination are dodging and blocking enthusiastically, and making much faster ground against the bad guys then a little while ago when it was just one trimp fighting at a time and unable to avoid the enemy hitting back.
40m46s: Fresh turkimp in Z2c74, 63 pop, 7.9s RC, Sh1-10, Da1-5, Bo1-3, Ma1-3, Hm1-3, 6g.
Oh, wow, the laborers seem really hot after this turkimp. He cooks it up and tries a slice. It's really awesome! I have to work alongside his laboring trimps to share it, but I'm getting used to the gravity now. That scroll we found back in Z2c10 really helped. Trimps' techniques and appliances for handicapped individuals, and I'm really handicapped in this higher gravity. He joins the woodcutters with the turkimp; they're the most numerous resource laborer right now, building more gyms, enough that the block/dodge ability of the fighting trimps is almost caught up to the enemy's ability to cause damage.
43m15s: Zone 3, 63 pop, 7.9s RC with Z1/2.
I'm neglecting my science and trimp scientists are really expensive. Curiously, that grey-haired one can't speak all that well, only says "Tai" and "Shijou", but it can write and draw like nobody's business. It's the only scientist so far. [Puchim@s Takanya: Online references probably still claim that she can utter the first two syllables of any word, but she can actually utter only the first two kana syllables of someone's name, most often the given name of basis human Takane Shijou, who also has that habit. (All the utterances of the puchidoru are based on the speech foibles of their basis humans except maybe Piyopiyo, where I haven't seen anything match up so far.)]
47m32s: Finally, we can make drywall and houses. 59m30s: Z3c77, 94 pop, 7.8s RC.
Oh, those poor things are really struggling up at the front. These trimps are enthusiastic and know no fear, but I still feel like telling them to stop for a while. I don't have the heart to keep them from trying while they're still doing some damage.
1h05m24s: Zone 4, 107 pop, 9.3s RC with Z3/4. 1h15m26s: Zone 5, 120 pop, 8.2s RC with Z3/4.
"What is that?" the human asks. He has three scientists. His first does all the writing, but the other two can actually speak. One of them hops up on a rock spire beside the human to reach his eye level.
At the next ridge line, over the lowest and most passable gap in the terrain, this really mean looking hovering sausage monster.
"I dunno," the scientist trimp shrugs, "But it's making me hungry. Looks like a perfectly cooked frankfurter from here." [John Morell's dubious dirigibles.]
"Oh, yeah," the human nods, "that's a blimp."
"A blimp?" the trimp tilts its head quizzically at the human, "How could you know?"
"I wish I could tell you, little buddy," the human extends his arm braces to descend the pass on the side of the zone boundary in the boss enemy's direction, then grunts, "Let's go kill it."
1h16m11s: Z1c9, 120 pop, 10.3s RC with Z4/5. 1h33m34s: Zone 6, 151 pop, 7.4s RC with Z4/5.
1h33m54s: TP in Z1c3.
"What's this?" the human asks, having picked up the little square document with the curling corners.
"Oh," the hungry scientist looks at it, "It's a garden path, follow me."
"You want to lead me down the garden path?" the human says.
"Yeah," the scientist says.
"Are you kidding?" the human asks.
"No," says the other scientist, "We don't get human humor. Listen, these fighters can't go, let them wear themselves out here, then we'll take the next group through this garden."
"Okay," the human nods, watching two more trimps join the fray as he issues the Z5 coordination orders, "they're doing pretty well after all that block training research we just wrapped up." [That's a common artifact, even in normal games, Z5 Traintacular combines with many gyms, enough population to add several trainers, affording Blockmaster, which is expensive on a run zero, plus a break on Tion Z5, a 40% all-stat increase. I don't think Zach designed it into the game on purpose, it just worked out this way.]
1h34m07s: 151 pop, 10.5s RC with Z5/7. 1h37m44s: Drop from Z6c39, TP for 3.
"Now we have these access map frags we can use to route through the old trimpopoli," the scientist explains, "Atlimpis for food, Morimpa for gems, Everimp for metal, and Impazon for wood."
"What about the garden?" the human asks.
"Well, we got lucky with Tricky Paradise," the scientist says, "but you can randomize the route and maybe get lucky. What's with that look?"
"Somehow, I'm remembering 'frag' as something that blew up with deadly pieces," the human says. [Different video games - ones with better graphics and worse gameplay Ｏ(>▽<)Ｏ]
1h39m59s: Blues back up to the top on series I...
"Tai, Tai!" the first ever trimp scientist stops the human just before he upgrades the mace and dagger to Mk.6 and Mk. 8 respectively. It has a note for him.
"Why do you keep calling me that?" the human asks, "Do you think that's my name?"
"Shijou, Shijou," it nods as though to indicate, I KNOW it is. Then it proffers its note again. The human takes it and reads, "Don't upgrade the first row equipment right now."
"Why not?" the human asks.
"Shijou," it points at the end of the mapped route, where there's a scroll sticking out of the thistles.
2h24m07s: Zone 8, 224 pop, 12.2s RC with Z7/12.
"Your settlement is getting crowded, there's Trimps in the streets, and you're taking heat. You feel a sudden strong desire to create a map, though you're not quite sure how that would help."
2h49m10s: Zone 9, 357 pop, 9.5s RC with Z8/15.
"You can't shake the feeling that you've been here before. Déjà-vu?"
The trimps really seem to like the new high capacity mansions, and the village has rapidly expanded since they started building them.
"There's something familiar about this," the human says.
"Tai," the grey one that writes clings to his arm and shows him a note that says, "Don't give up now."
"We must persist," says the yellow one has found a foothold it can grab onto and grabs the human's shoulder gently, "If you give up to early, we'll never solve this. You'll be stuck here forever."
The human puts his hand over the trimp's paw on his shoulders, then looks at him, "I can die, too."
"No, you can't," the trimp says quietly, "Please don't test that, tall one."
"Death is just another path..." he remembers.
"Gan," the grey one squeaks. [That's the first two kana syllables of "Gandalf"]
"...one that we all must take," the human continues, "The grey rain-curtain of this world rolls back, and all turns to silver glass, and then you see it-"
"A green mist," the yellow trimp interrupts, "flash of fire, we're all gone and our progress forgotten. The wandering stars return to that day, and you again crash that ship- ...a little better every time."
"Wait," the human looks around, "have I been here before?"
"I-" the yellow trimp tries in futility to share what little it knows, "...or... somebody got just a little coolant into the-"
"Into the what?"
"This side up," the grey one's note says.
"Into the that," the yellow one points at the note, "It really helped. You- ...I don't think we've ever had mansions before."
Well, of course they didn't have mansions before. That was one of my ship's data cards. How did it get way out here? Will anything start to make sense?
3h02m13s: Zone 10, 387 pop, 8.7s RC with Z8/15; '28s: 11.1s RC with Z9/19. 3h16m41s: Tough snimp after food book, L10 rand dept from lo-hi-med 118/25/96, 4 Items.
"That's twice our frags led us to gem-rich Moria," the human says.
"Morimpa," the new red trimp scientist corrects, there now being 5 scientists. [There'd be more if there were more turkimp.]
"The question is how do we use all these gems?" the human looks at the village zoning plans again, "I like those mansions and all, but they use hardly any gems compared to, well-" he gestures at the pile of over two dozen thousand gems they've gathered, "-that! And still a lot of wood and lumber."
"I think there's something," the yellow one sighs, "I wish I knew more."
Quite some time later, after they're done looting that route for equipment plans, the trimps are again advancing through Zone 10, and he hears it.
"Tai?" the grey one wonders.
"Where are you going?" the yellow one asks.
"To the farm," the human answers.
"Whatever for?" the red one seems exasperated.
"Shijou?" the grey one sighs, then looks at the fighting front. It's been around long enough to remember, "Shijou!"
"You guys already get so much to eat this doesn't do you much good," the human explains.
3h32m33s: L11 112/35/78 rand sea, dropped from Z11c6 with disband, 4.
"What's wrong?" the red one asks.
The human comforts one of the wounded. Once trimps start into a zone fight, they have to finish before they bleed out. He's really bothered making them desert in front of that second turkimp. "They had a lot left in them," he sighs, rubbing his eyes, "but we can't keep that much dead turkimp at once, we have to leave it alive to use up all of this one."
"Shijou," the grey one presents a note, "We need this map right away, anyway. Don't worry about it, Tightniks."
"Tightniks?" he looks at the grey one, "Is that me? How do you know?"
"Tai," the grey one points at the top of the human's left breast pocket.
"Ah, crud," the yellow one curls its tail around in front of itself as trimps do when they're embarrassed, "Is that really a name tag?"
The human hadn't even noticed it since the green flash blew up his memory as he was stepping out of the ship.
4h04m22s: Block (sub-8h AP is only 0.3%), taking it, 504 pop, 9.8s RC with Z10/24.
It's a pretty thick book about using shields for block instead of hit points. The pad has the stats analysis. Sh3-1 is only giving us 9% of our hit points. Turning to his trimp scientists, he says, "It seems to me to be worth it."
"Let's," the yellow one nods.
"Shijou," it hands him a note, "It scales badly, but that won't matter for a long time. I think there's a way to undo it before it matters."
"Doing it." The human takes out his pad and starts scanning.
4h29m05s: L14 rand moun 137/26/80 is really good for a lo-hi-med. 4h30m52s: Hotels.
"Ah," the yellow one says, "I knew there was something. That must be it."
5h08m09s: L15 lo-hi-hi rand gard 129/28/82 (just got explorers). 5h09m32s: Picked up Wall.
"Dam," the human says.
"Damn?" the red one chuckles.
"No," the human says, "Earthen wall dam; it's a thing that makes artificial lakes by holding rivers back."
"Lakes?" the yellow one asks, "Rivers?"
"Oh yeah," the human says, "This planet doesn't have enough rain for those..."
5h48m21: Leaving Wall from about c70 to fetch Tion Z15.
"You can't resume the map from the same point if you start another," the human reads the grey one's note.
"We can go back to the same point on that route if we hold there and finish Zone 15, right?" Tightniks asks.
"Shijou!" it seems to be saying yes.
"Yes," the yellow one adds, "but we're out of Series III upgrades, and you need a fresh map route to start up Series IV."
"We should be okay," Tightniks says, "but if we have to start it over, I don't see that being a big deal." As they advance through the rest of Zone 15, Tightniks resumes his usual duties at the research desk instead building and running traps like he was before.
The trimps seem hopeful at this decision.
5h49m10s: Fresh turkimp. 5h50m16s: Zone 16, 1071 pop, 13.4s RC with Z15/75, 13m43s turkimp (skel in c1.)
"Z:16 Seriously? Another Blimp so soon?"
"So," Tightniks lowers his bee nickels and looks at the red one, "is it going to be boss fights at the end of every zone from now on?"
"Hmm," the red trimp looks up past the human at some random rock spire or cloud.
"Well?" the human persists.
"Yup," he says.
"Hmph," Tightniks grabs a Sw3-1 of the rack and advances towards the front, "Before then, we have another Mister Titanium."
"What does he like about skeletimps?" the red one asks the grey one as the human marches off.
"Shijou?" the grey one seems just as confused by that.
"He's not going back to the ship, and he's not getting himself killed," the yellow one smiles, "so I'll take it."
5h58m32s...
"Hey guys, go for the mortar!" the human suggests to his 75 fighting trimps in the Wall's boss fight.
"I can tell from your bedtime stories that you're used to the artillery in that other place," the yellow one gripes, "but fighting works differently here, there's no artillery."
And the human instantly collapses laughing, the scientists a little worried he might have injured himself in the planet's severe gravity. But he's okay, at least physically, "Mortar is the stuff between the bricks, fellas. That's is a brickimp, right?"
5h59m18s: Wall, 1076 pop, 13.3s RC, 1% AP for sub-8h finish, first L16 roll good 156/35/84 moun, 10 for the metal.
Beyond the Wall was a more edenic section of the trimpolis ruins, doubling the production of the lumberjacks. The trimps are actually really happy with the mode of all of the laborers moving between the three big jobs, along with the turkimp, except for the foremen specialized at leading the job. It isn't enough to boost their productivity, but the human goes to them with trays of sandwiches.
6h06m52s: 50 map run 0.3% AP...
6h19m13s: Zone 17, 1141 pop, 16.0s RC with Z16/94, no turkimp.
"Z:17 You climb a large cliff and look out over the new Zone. Red dirt, scorched ground, and devastation. Is that a Dragimp flying around out there?!"
"Hmm," the human surveys the new zone with his bee nickels, "Looks like crap. Any ideas?"
"You're the idea man," the yellow one groans.
"Set the map flag," he puts his bee nickels away, "We'll run a depth for practice and to load up on gems for more hotels."
"Righto," the red one gets to work.
6h44m34s: First DCP. (Draglimp Care Package; I refuse to call it a tribute.)
"Oh," the human says, "It's tame now, so it brings back gems in exchange for food?" He looks at his gaping scientists, "That's what it looks like, huh? Guys? Yo!"
"Tai..." the grey one sighs.
Draglimp, the dragimp imprinted on Tightniks, lands beside the human, drops some gems at his feet, and accepts some scratching behind its horns before diving into the food bowl.
"You tamed a dragimp???" Grey's note says.
"Well," the yellow one huffs, "I guess that happened."
8h18m53s: L20 depth of 154/27/79.
"Mapping up here?" the red one half closes one eye and tilts his head.
"Yeah," the human says while fitting together the depth map fragments, "With the coordination book not right at the end, we have an extra mark of coordination to take advantage of. Let's take our housing up to 2000 or so, shall we?"
"Okay," the yellow one says from a pile of logs, "What's all the wood for?" They had been collecting it for days now.
"The series upgrades follow a rather specific pattern," Tightniks explains, "Just on the other side of this blimp is Zone 21, where we should be able to find the Shield series V, right?"
"Shijou!" the grey one nods.
8h56m17s: 1% AP for 100 map runs, leaving it, 1751 pop, 24.8s RC with Z20/232. 8h56m54s: Zone 21...
"Ooooookay," Tightniks growls, "There is something off about this thing."
"Shijou?" the grey one looks at the yellow one with concern about their human starship pilot friend.
The human stoops, picks up the little green gem on the ridge between Zone 20 and 21, looks at it, huffs, and asks, "Any idea where this comes from?"
"Err..." the red one seems hesitant to say, "I think you made it."
"Really?" the human huffs, "How could that be?" Then he tosses it at Red, "See if anything reacts to it. It might be radioactive, so we should take turns to minimize exposure."
"Really?" Red's holding it now, "What makes you say that?"
"Because I'm pissed off for no reason I can figure out," the human says, "I think it's coming from that."
"Frags," the red one says quickly, "I think it's arranging a route. You're good with maps," it tosses the gem to the grey scientist.
"Shijou," the grey one says hopefully, and has a map drawn within a few minutes. [Whether it looks like the one in Puchim@s 1x61 is anyone's guess. That one annoyed me as well as Chihya.]
9h02m37s: L21 moun first roll was a decent 160/26/84. 9h21m00s: Starting run 5 of that map...
Tightniks had taken his anger out on some food and wood to build about 8000 traps. Now he's leaning against a rock spire in his increasingly tattered uniform. A nap begins, perhaps unintentionally.
Wild trimps are examining the pile, finding it unwelcoming, and also finding no place in the town, just mill about. It looks like they want to help.
"Ku?" it's a blue trimp, probably a farmer waiting for stuff to grow, climbs up on the rock spire the human is leaning against, starts patting him on the head, "Ku. Ku ku." [Puchim@s Chihya.]
9h23m09s: Still working that lap...
Tightniks wakes up from that nap, and the grey one is standing there. "Shijou," it says with a note of concern, although not much of one. The note it holds says, "It wasn't me."
"Oh, what wasn't you, buddy?" He stretches out a bit, feeling somewhat refreshed. It feels like somebody washed his face and hair while he was sleeping.
The grey one is also holding a small mirror, apparently broken off from a larger mirror and with the sharp edges filed down to make the edges safe.
The human takes it from the grey trimp and holds it in front of his face to discover that somebody has bound up all his hair into about twenty little pigtails. He touches them with his other hand to confirm. "Eh, whatever." He hands the mirror back and goes back to sleep. [Puchim@s Koamimami.]
9h30m08s: The following run...
"He's not throwing stuff every which way yet," the yellow one whispers to the red one, watching the human snoozing with his pad on his knee.
"You remember that, too?" the red one asks.
"'Remember'?" the yellow one turns to face the red one, "I s'pose that's better than imagining it."
"I remember it, too," the grey one says via a playing card sized note.
"If we're stuck in a time loop," the yellow one sighs, "maybe this cycle will be different."
"Tai..." the grey one admires him for a moment. Then thumbs in the direction of the mountain, "Heh, Shijou!" it laughs.
9h35m58s: Run 8, c9 of that map.
The scientists nap and take notes, and meditate and take notes, and draw stuff. The grey one often storyboards for the other nine because it's the best at drawing stuff. They have come up with a list, and most probably "order" (they're debating whether their ranking means "order" (sequence of things happening over the various loops) or "frequency" (what proportion of previous loops they have happened in). But they've come up with this, from first (or perhaps most often) to most recent (or perhaps least often):
- The ship crashes (they're pretty sure that happens every loop) - The human builds huts - The human teaches some of his trimps to speak and do science - The human builds houses - The human makes maps - The human builds mansions - The human blows up and gets himself killed somewhere around Z17 to Z21, often on a dragimp - The human only recently/occasionally builds hotels - The human only recently/rarely tamed a dragimp - The human only recently/rarely maps the Dimension of Anger
They're all agreed that that they have never finished the Dimension of Anger. What they are not all agreed on is that they've never done this conference to figure out whether they're in a time loop or what that might mean. [See also Star Trek: The Next Generation episode "Cause and Effect" ...which was sort of a time loop but they weren't going back in time. It's very interesting, but its meta makes no sense - no one ever went looking for the Bozeman in 80 years? No one who went looking for the Bozeman also got stuck? No one noticed the passage of time outside the little area of space where the not-quite-a-time-loop was happening? Errr... sci-fi writers, don't be half-assed about your time loops, lmao! Be like Harold Ramis- ...what am I saying?? (That would be Groundhog Day, which grafted a time loop into a romcom; there are no other sci-fi elements. But it was a full-blown time loop and not half-assed like "Cause and Effect".)]
9h54m06s: Dropped from Z21c95...
I think it would be a bad idea to bypass that green area, as much as I'd rather not face it. Both his domesticated trimps, which are breeding up a new group of fighters, and the wild trimps he has decided just now not to open the traps for, stare at him and point in that direction. He shoulders a huge Shield V-3 and grabs an Mace IV-2 as well and announces, "We're doing it." Thus equipped, he marches off into the Dimension of Anger.
10h27m53s: Taking Pi4-2; recently had taken Pa4-2...
The group at the front had expired, and the snimp in DoAc95 glares at the advancing colony of trimps, which had halted only because of it. It refuses to counterattack the vulnerable colony and its human, instead snorting and huffing, waiting for the next bunch of 232 fighting trimps to come in range.
Tightniks runs along the line of traps, releasing the recently tamed trimps, singing a song that he doesn't remember the meaning of, that he doesn't remember was crafted by an ethnically Chinese guy out of an African language, and later mastered by two caucasians over the internet before they ever met in person. "Baba yetu yetu uliye, mbinguni yetu yetu amina..." because it just happened to be stuck in his head. [Because the Doylian author decided on a whim to. Christopher Tin got it into Civilization IV and at the time (2010 July), I made the best video for it on YouTube, which got subsequently blown to shreds when Peter Hollens and Malukah re-recorded the song from scratch in their own voices and instruments in 2014, pity with no English translation, the purpose of my video.]
Noticing the last batch of metal he needs coming out of the furnace, he waves the waiting grey scientist to fire up the forge [to use the term properly and not as the game does], for it was time to wrap up the forging dies for the Spetum IV, Mark 2 pike heads.
"Shijou!" the grey one cheers, setting aside a snack that looks like maybe ramen, and starts jumping up and down on the bellows handle.
It takes a while for the human to chip out the tip in the two halves of the forging die, and then polish it, and then heat it up in the forge, and then quench it, inspect it, and put it into service crafting thousands of new pike heads for the fighting trimps.
But only one second passed on the map frame clock (10h27m54s) four cells behind that snimp, in the case being brooded over by this huge, and if it's honest, rather concerned megablimp.
10h35m45: Portal PB, 45 He, 4.247 He/hr, 1891 pop, 22.7s RC with Z20/232, no turkimp.
The last head of the map's boss monster goes limp as one of the fighting trimps' mace heads bounces of it, and the huge thing settles on its tail, resting on the package that seems to be the prize of this map. And there's a popping sound, and then something mechanical.
Is that a scroll compressor? Tightniks looks at the package. The deflating monster's lifting envelope material drapes over everything underneath it. "Red, Shijou!" he snaps and points, "roll up that side of it. Keep this part from sucking down on the extractor nozzle!"
All ten of the scientists jump in, literally, pushing the gas in the bag towards the compressor. Tightniks as well, rolling up the front.
Until he kicks, and nearly trips over, a smaller package that might be the explanation for the reason why the center of the monster's defense seemed to be a little away from the big package he could see. It's in the right place, he realizes. He gets it uncovered and reads stenciled-and-sprayed block letters on it:
"DT TIME PORTAL / THIS SIDE DOWN"
Perhaps the Dimension of Anger is so named because of the rage suddenly rising up in Tightniks' throat. It isn't so much as the free-floating aggression suddenly has an answer, there is definitely a fresh batch of rage and anger as he grips the nearest Mace IV, Mark 3 with both hands and gets it over his shoulder, its target obviously this object, anger at the realization he screams at the top of his lungs, "We are stuck in a mutha FAH-king time loop!!" His swing begins. [Tightniks almost never cusses, unlike Snugniks.]

submitted by featherwinglove to Trimps [link] [comments]

2024.05.14 22:54 Financial_Aspect_82 H: Trades W: Wishlist

CE armor for trade
Ari AP WWR RA
Assassins AP fall RA
AutoStim S WWR RA
Cham AP BUW RL
Cloaking AP WWR LL
LS cryo WWR LL
OE E Sent LA
OE S WWR LA
OE Cyro FDCW RL
Troubleshooters AP AWR
Uny C AWR LA
Uny Cryo Break LL
Uny E sneak RL
Uny LED JWR RL
Van AP Sent LL
Van Fire Cav RA
Van Fire FDCW RA
Van RR WWR RA
Z PR WWR LA
Other armor:
Van LED FDCW USA LA
Van AP WWR marine RA
Van LED FDCW marine LL
Van Poison Sent Heavy Combat LL
Uny Int BUW Marine RA
Uny poison LL marine
Uny AP AWR heavy leather LL
Uny S Cav heavy combat LL
Uny S WWR FSA LL
Uny Poison AWR FSA RA
Uny AP marine CP
OE AP AWR USA RA
OE AP RR Trapper RA
OE AP JWR trapper LL
OE AP RR Marine CP
OE AP heavy leather LA
OE AP FSA LA
Nocturnal AP WWR heavy combat RL
Cham AP sent USA LA
Weapons:
AA SS S sheepsquatch Club
Assassins 2525 alien disintegrator
B2590 50cal
B50c25 compound bow
B50vhc25 Gauss
B50c25 radium
Exe50c25 NU and Ultra laser rifle
Exe50c25 EPR (AA RS FS)
QE15fr Tommy
V SS 90 buzz blade
V50c25 handmade
Wishlist: Uny PR FDCW LL RL CE
Troubleshooters AP WWR RA CE
Van AP WWR RL and LL marine
Leaders / flux / maps / caps for cheaper armors

submitted by Financial_Aspect_82 to Market76 [link] [comments]

2024.05.14 22:21 Siet93 Auto locksmith question?

I am being told that you can’t reflash these if they are already programmed is that correct? I had them for sale on eBay.. if you view my post history… my father past away and had an auto shop with like 6 bankers boxes full of Toyota keys.

submitted by Siet93 to Locksmith [link] [comments]

2024.05.14 18:20 nlschlesner 2021 Chevrolet Camaro RS 2LT

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

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