Plies quotes 2011
London Social Club
2010.12.14 15:32 TheTame London Social Club
Drink, Eat, Dance, Connect, Be Merry! Or Don't, Just Come And Stand Around, That's Cool Too!
2010.02.24 09:13 tedivm Comedian or conservative- can you tell the difference?
2011.05.22 13:06 captureMMstature Oasis - are ya mad for it?
/Oasis is Reddit's #1 community for all the latest news and discussion about Oasis, Liam Gallagher, Noel Gallagher's High Flying Birds, Beady Eye, and everything else connected to members of the band, past or present.
2024.05.19 02:45 The_Brand94 RIGL Thesis 5/18/2024
~RIGL Thesis – 5/18/2024~
Outstanding Shares 175M
131 Institutional Holders
111,129,461 Total Shares Held
63.36% Institutional Ownership
Total Cash on Hand 3/31/2024 = $49.6M
Total Debt: $101.5M
Cash Burn Approximate = $8M per quarter (6 quarters of cash without any increases in revenue)
Q12023 REV = $26M
Q22023 REV = $26.8M
Q32023 REV = $28.1M
Q42023 REV = $35.8M
Q12024 REV = $29.5M (Decline from Q4 likely from end of year versus new-year tracking of Rx and shipments of drugs, resetting of Copays)
Most Recent EPS -$0.05 per share
May 22, 2024 - Vote on S will take place, caution
~Statistics Applicable To Thesis~
333.3 million US Population (2022)
8,109,679,892 Global Population (2024)
~Drugs On Market~
~Tavalisse – Treatment for ITP, FDA Approved April 17, 2018~
~What is ITP?~
Immune thrombocytopenia (ITP) is an illness that can lead to bruising and bleeding. Low levels of the cells that help blood clot, also known as platelets, most often cause the bleeding.
Once known as idiopathic thrombocytopenic purpura, ITP can cause purple bruises. It also can cause tiny reddish-purple dots on the skin that look like a rash.
Children can get ITP after a virus. They most often get better without treatment. In adults, the illness often lasts months or years. People with ITP who aren't bleeding and whose platelet count isn't too low might not need treatment. For worse symptoms, treatment might include medicines to raise platelet count or surgery to remove the spleen. Immune thrombocytopenia (ITP) - Symptoms and causes - Mayo Clinic
~What is Tavalisse?~
TAVALISSE is a prescription medication used to treat adults with low platelet counts due to chronic immune thrombocytopenia (ITP) when a prior treatment for ITP has not worked well enough. It is not known if TAVALISSE is safe and effective in children.
The cost for Tavalisse oral tablet 100 mg is around $15,404 for a supply of 60 tablets, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
Tavalisse Prices, Coupons, Copay & Patient Assistance - Drugs.com
TAVALISSE IS AN ORAL MEDICATION TAKEN TWICE DAILY WITH OR WITHOUT FOOD1
A 12-week evaluation period is recommended
60 tablets = 1 month supply, evaluation period = 3 months, Cost for 3 months = $46,212 Cash, assuming cheaper through wholesale, insurance, discount cards, etc.
Dosing TAVALISSE® (fostamatinib disodium hexahydrate) tablets (tavalissehcp.com)
~Addressable Market~
“Our findings suggest that nearly 20,000 children and adults are newly diagnosed with ITP each year in the US, substantially higher than previously reported. Among patients requiring formal medical care, the economic burden during the first 12 months following diagnosis is high, with estimated US expenditures totaling over $400 million.”
Primary immune thrombocytopenia in US clinical practice: incidence and healthcare burden in first 12 months following diagnosis - PubMed (nih.gov)
The estimated prevalence of ITP in the United States is 9.5 per 100,000 people, with a global prevalence of over 200,000 people at any given time [1].
Immune thrombocytopenia. [ Oct; 2022 ]. 2022. https://rarediseases.org/rare-diseases/immune-thrombocytopenia
~Author Calculations/Estimates~
ITP estimated cases based on measured statistics 31,635 cases a year in the US and 770,355 cases globally each year.
~Rezlidhia – R Acute Myeloid Leukemia, FDA Approved December, 22, 2022~
~What is Relapsed or Refractory Acute Myeloid Leukemia?~
Relapsed, or recurrent, acute myeloid leukemia (AML) means the leukemia has come back after treatment and remission.
Refractory AML means the leukemia did not respond to treatment. Complete remission has not been reached because the chemotherapy drugs did not kill enough leukemia cells.
Both relapsed and refractory AML need more treatment to reach complete remission.
Your healthcare team will suggest treatments based on your needs and work with you to develop a treatment plan. Some factors considered for your treatment include:
your age
your health
how long the leukemia was in remission
treatments you had before
where the leukemia comes back
Treatment options usually include chemotherapy and a stem cell transplant if possible. Targeted therapy may also be used.
Treatments for relapsed or refractory acute myeloid leukemia Canadian Cancer Society
~What is IDH1?~
Somatic mutations in isocitrate dehydrogenase (IDH) genes occur frequently in adult Acute myeloid leukemia (AML) and less commonly in pediatric AML… Enhanced genomic and epigenomic profiling of acute myeloid leukemia (AML) has led to identification of recurrent mutations that are prognostic and are candidates for targeted therapy. Somatic mutations in isocitrate dehydrogenase (IDH) genes, IDH1 and IDH2, occur in ∼6% to 16% and ∼8% to 19% of adult patients with AML, respectively.1-5 In pediatric AML, IDH mutations are rare, occurring in <4% of patients.6-11
Characteristics and prognostic impact of IDH mutations in AML: a COG, SWOG, and ECOG analysis Blood Advances American Society of Hematology (ashpublications.org)
~What is Rezlidhia?~
REZLIDHIA is a prescription medicine used to treat adults with acute myeloid leukemia (AML) with an isocitrate dehydrogenase-1 (IDH1) mutation when the disease has come back or has not improved after previous treatment(s).
Targeted Treatment REZLIDHIA® (olutasidenib) capsules
The cost for Rezlidhia oral capsule 150 mg is around $17,468 for a supply of 30 capsules, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
Rezlidhia Prices, Coupons, Copay & Patient Assistance - Drugs.com%20is%20a%20member,on%20the%20pharmacy%20you%20visit.)
~Addressable Market~
The annual incidence of new cases in both men and women is approximately 4.3 per 100,000 population, totaling over 20,000 cases per year in the United States alone.[13] The median age at the time of diagnosis is about 68, with a higher prevalence observed among non-Hispanic Whites. Furthermore, males exhibit a higher incidence compared to females, with a ratio of 5:3.
Acute Myeloid Leukemia - StatPearls - NCBI Bookshelf (nih.gov)
~Author Calculations/Estimates~
Cases of AML with IDH1 would be 11% based on the median of statistics above (6% to 16%) leaving approximately 1500 to 2000 cases a year in the US. Appling the same calculations to world population would amount to approximately 38,500 cases a year globally.
~Gavreto – Treats RET+ Non-Small Cell Lung Cancer In Adults and RET+ Thyroid Cancer in Kids and Adults, FDA Approved August 9, 2023~
For the sake of common ground, I am going to assume these types of cancers do not need to be elaborated on as we all likely have a basic understanding of what they are. The medical conditions treated by Tavalisse and Rezlidhia I felt needed a more in-depth explanation because they are not common. I will elaborate on RET+ a little later in this writing.
~What is Gavreto?~
GAVRETO is an oral once daily prescription medicine used to treat certain cancers caused by abnormal rearranged during transfection ~(RET+)~ genes in:
Adults with non-small cell lung cancer (NSCLC) that has spread
Adults and children 12 years of age and older with advanced thyroid cancer or thyroid cancer that has spread who require a medicine by mouth or injection (systemic therapy) and who have received radioactive iodine and it did not work or is no longer working*
It is not known if GAVRETO is safe and effective when used to treat cancers caused by abnormal RET genes in children for the treatment of NSCLC or in children younger than 12 years of age for the treatment of thyroid cancer.
Home GAVRETO® (pralsetinib)
The cost for Gavreto oral capsule 100 mg is around $11,745 for a supply of 60 capsules, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
The recommended dosage for adults and children 12 and over is 400mg orally once daily. Each capsule is 100mg, which means you will take 4 capsules. Gavreto should be taken on an empty stomach, at least 1 hour before or 2 hours after a meal.
Gavreto Prices, Coupons, Copay & Patient Assistance - Drugs.com
~What is Rearranged During Transfection Positive (RET+)?~
RET-positive cancer is caused by a mutation or abnormal re-arrangement of the RET gene. It occurs most commonly in lung cancer and several types of inherited and sporadic thyroid cancers. RET alterations also occur in an estimated 1-2% of multiple other cancers, including ovarian, pancreatic, salivary, breast, and colorectal cancers.
RETpositive Empowering Patients and Driving Research
Rearranged during transfection (RET) rearrangements were first identified as oncogenic drivers in NSCLC in 2012. The proportion of patients with NSCLC who have RET rearrangements (ie, fusion-positive disease) is approximately 1%-2%.
RET Fusion-Positive Non-small Cell Lung Cancer: The Evolving Treatment Landscape The Oncologist Oxford Academic (oup.com)
RET alterations occur most commonly in lung cancer (non-small cell lung cancer (NSCLC)) and the number of new cases diagnosed each year is considerable, accounting for approximately 37,500 [IG1] cases worldwide and 4,000 cases in the US (2% of NSCLC) (2,3). RET alterations are also common in several types of inherited and sporadic thyroid cancers and can occur in other types of cancers like ovarian, breast, pancreatic, and colorectal cancers, among others (4-8) adding >110,000 cases yearly worldwide (9).
What is RET Positive Lung Cancer? - The Happy Lungs Project
(2) Although medullary thyroid carcinoma represents 5-10% of all thyroid cancers, activating RET gene abnormalities occur in over 90% of hereditary and approximately 40%-60% of sporadic medullary thyroid carcinoma cases.
Patients – RETpositive%20Although%20medullary%20thyroid%20carcinoma,sporadic%20medullary%20thyroid%20carcinoma%20cases.)
~Prevalence of Non-Small Cell Lung Cancer~
Most lung cancer statistics include both small cell lung cancer (SCLC) and non-small cell lung cancer (NSCLC). In general, about 10% to 15% of all lung cancers are SCLC, and about 80% to 85% are NSCLC.
Lung cancer (both small cell and non-small cell) is the second most common cancer in both men and women in the United States (not counting skin cancer). In men, prostate cancer is more common, while breast cancer is more common in women.
The American Cancer Society’s estimates for lung cancer in the US for 2024 are:
About 234,580 new cases of lung cancer (116,310 in men and 118,270 in women)
About 125,070 deaths from lung cancer (65,790 in men and 59,280 in women)
Lung Cancer Statistics How Common is Lung Cancer? American Cancer Society
Worldwide, an estimated 2,206,771 people were diagnosed with lung cancer in 2020. These statistics include both small cell lung cancer and NSCLC.
Lung Cancer - Non-Small Cell: Statistics Cancer.Net
~Author Calculations/Estimates~
Approximately 187,664 cases of NSCLC in the US based on an 80% factor.
Approximately 1,765,416 cases of NSCLC worldwide based on an 80% factor.
~Prevalence of Thyroid Cancer~
Rate of New Cases and Deaths per 100,000: The rate of new cases of thyroid cancer was 13.5 per 100,000 men and women per year. The death rate was 0.5 per 100,000 men and women per year. These rates are age-adjusted and based on 2017–2021 cases and 2018–2022 deaths.
Lifetime Risk of Developing Cancer: Approximately 1.2 percent of men and women will be diagnosed with thyroid cancer at some point during their lifetime, based on 2017–2019 data. Lifetime risk based on data through 2022 will available soon.
Prevalence of This Cancer: In 2021, there were an estimated 979,295 people living with thyroid cancer in the United States.
Thyroid Cancer — Cancer Stat Facts
About 44,020 new cases of thyroid cancer (12,500 in men and 31,520 in women)
About 2,170 deaths from thyroid cancer (990 in men and 1,180 in women)
Thyroid cancer is often diagnosed at a younger age than most other adult cancers. The average age when a person is diagnosed with thyroid cancer is 51.
This cancer is about 3 times more common in women than in men. It is about 40% to 50% less common in Black people than in any other racial or ethnic group.
Key Statistics for Thyroid Cancer American Cancer Society)
Addressable Market
Given Gavreto’s dual treatment capacity, the total amount of potential patients with NSCLC with RET+ indications would be approximately 2,800 cases in the US and approximately 26,500 cases worldwide each year using a factor of 1.5% of total NSCLC cases. The total amount of treatable cases for Thyroid Cancer would be approximately 650 in the US and 16,500 cases worldwide respectively each year applying the same 1.5% RET+ percentage rate. DOUBLE CHECK MATH…
~Rigel Pharmaceuticals Pipeline~
~IRAK/4 – Clinical Trials~
Rigel’s investigational candidate, R289, is an oral, potent and selective inhibitor of interleukin receptor-associated kinases 1 and 4 (IRAK1/4).
Toll like receptors (TLRs) and the interleukin 1 receptor family (IL-1Rs) play a critical role in the innate immune response and dysregulation of these pathways can lead to a variety of inflammatory conditions such as psoriasis, rheumatoid arthritis, and inflammatory bowel disease. Chronic stimulation of both receptor systems has also been implicated in causing a pro-inflammatory bone marrow environment leading to persistent cytopenias in lower-risk myelodysplastic syndrome (LR-MDS) patients1.
R835 is a selective dual inhibitor of IRAK1/4 that blocks TLR4 and IL-1R-dependent systemic cytokine release. In preclinical studies, R835 demonstrated activity in multiple animal models of inflammatory disease2,3 and showed that dual inhibition of IRAK1 and IRAK4 provided more complete suppression of inflammatory cytokines when compared to an IRAK4-selective inhibitor4.
Development of R289:
In a Phase 1 clinical trial, R835 was well tolerated and inhibited LPS-induced inflammatory cytokine production in healthy volunteers, demonstrating proof-of-mechanism.5 Phase 1 clinical studies of R289 (an oral prodrug that is rapidly converted to R835 in the gut) are also complete.
A Phase 1b open-label, multicenter trial of R289 in patients with relapsed/refractory lower-risk MDS is currently enrolling (NCT05308264). The primary endpoint for this trial is safety with key secondary endpoints including preliminary efficacy and evaluation of pharmacokinetic properties.
~Bemcentinib – Bergenbio Partnership~
In June 2011, Rigel entered into an exclusive, worldwide research, development and commercialization agreement with BerGenBio for its investigational AXL receptor tyrosine kinase (AXL) inhibitor, R428 (now referred to as bemcentinib).
Bemcentinib is a potent, selective and orally bioavailable AXL inhibitor and the furthest along in clinical trials. In preclinical studies, bemcentinib was shown to have an effect as a single agent therapeutic in the prevention and reversal of acquired resistance to standard of care cytotoxics and targeted therapies and may also slow or prevent tumor metastasis.
Rigel received an upfront payment and is eligible for milestone payments and potential sublicensing revenue, as well as tiered royalty payments on any future net sales of products emerging from the collaboration.
~R552 Systemic – Eli Lilly Partnership~
Rigel’s investigational candidates are oral, potent and selective inhibitors of receptor-interacting serine/threonine-protein kinase 1 (RIPK1).
RIPK1 is a critical signaling protein implicated in a broad range of key inflammatory cellular processes including necroptosis, a type of regulated cell death, and cytokine production. In necroptosis, cells rupture leading to the dispersion of cell contents, which can trigger an immune response and enhance inflammation. RIPK1 inhibition has therapeutic potential in treating autoimmune, inflammatory, and neurodegenerative disorders.
Rigel’s RIPK1 inhibitor program includes R552, a systemic molecule being developed for the treatment of autoimmune and inflammatory disorders, and brain penetrating RIPK1 inhibitors for central nervous system (CNS) diseases. In preclinical studies, R552 demonstrated prevention of joint and skin inflammation in a RIPK1-mediated murine model of inflammation and tissue damage.
Development of R552:
In Q2 2023, the initial Phase 2a trial (NCT05848258) in moderately to severely active rheumatoid arthritis (RA) was initiated by partner Eli Lilly.
Development CNS-penetrating RIPK1 inhibitors:
Currently in preclinical studies.
~Milademetan – Daiichi Sankyo Partnership~
Rigel has a long-standing collaboration with Daiichi-Sankyo for developing murine double minute 2 (MDM2) protein inhibitors in cancer, which were discovered in Rigel’s laboratories.
Preliminary safety and efficacy data from an early Phase 1 study of milademetan (formerly DS-3032), an oral selective MDM2 inhibitor, in hematological malignancies suggests that it may be a promising potential treatment for oncology indications.
Rigel received an upfront payment and is eligible for milestone payments, as well as tiered royalty payments on any future net sales of any products emerging from the collaboration.
~Rxxx (CNS Penetrant) – Eli Lilly Partnership~
Rigel’s investigational candidates are oral, potent and selective inhibitors of receptor-interacting serine/threonine-protein kinase 1 (RIPK1).
RIPK1 is a critical signaling protein implicated in a broad range of key inflammatory cellular processes including necroptosis, a type of regulated cell death, and cytokine production. In necroptosis, cells rupture leading to the dispersion of cell contents, which can trigger an immune response and enhance inflammation. RIPK1 inhibition has therapeutic potential in treating autoimmune, inflammatory, and neurodegenerative disorders.
Rigel’s RIPK1 inhibitor program includes R552, a systemic molecule being developed for the treatment of autoimmune and inflammatory disorders, and brain penetrating RIPK1 inhibitors for central nervous system (CNS) diseases. In preclinical studies, R552 demonstrated prevention of joint and skin inflammation in a RIPK1-mediated murine model of inflammation and tissue damage.
Development of R552:
In Q2 2023, the initial Phase 2a trial (NCT05848258) in moderately to severely active rheumatoid arthritis (RA) was initiated by partner Eli Lilly.
Development CNS-penetrating RIPK1 inhibitors:
Currently in preclinical studies. Pipeline :: Rigel Pharmaceuticals, Inc. (RIGL)
~Summary and Prediction~
The current share price of sub $1 does not feel justified. I would anticipate financial breakeven by the end of 2024 or potentially in Q1 or Q2 of 2025. The robust pipeline, progress, and expected revenue growth are enough to justify a much higher valuation. The debt load is manageable, but the potential for S is concerning. I believe that the S is not necessary and revenue growth and progress should speak for itself. I am not as bullish as the analysts at HC Wainright for a $15 PT, but the valuation should be at least 3x to 5x from the current value. This thesis does not highlight the patents surrounding their drugs either which some extend into 2035 and beyond. Perhaps what Wall Street is discounting is the fact that most of the drugs are very niche. However, the currently available drugs have an addressable market, albeit less universal than some, but you should value it in the sense of multiple facets (a 1000 headed snake is the phrase I wanted to use). I believe the company should be valued with specialty drugs in mind which would command a higher PE ratio. At the current day and time of writing, the value should be at least $1.50 to $1.75 ~at a minimum~ with a 12 month price target of $3 to $5+. I will be looking for continued revenue growth in each quarter this year and realization of revenue from Gavreto in Q2 or Q3 this year. The partnerships should not be discounted either and the current share price if it lingers here perhaps may attract a merger or acquisition. I initially began the research thinking that perhaps the drugs were too niche, but given the multiple drugs they are working with, I believe their revenue sources will continue to grow if you do not focus on one particular drug as the main performer. With the most recent inflation report being cooler than expected, I would suspect larger funds and institutions will be circling back to riskier assets.
submitted by The_Brand94 to u/The_Brand94 [link] [comments]
Outstanding Shares 175M
131 Institutional Holders
111,129,461 Total Shares Held
63.36% Institutional Ownership
Total Cash on Hand 3/31/2024 = $49.6M
Total Debt: $101.5M
Cash Burn Approximate = $8M per quarter (6 quarters of cash without any increases in revenue)
Q12023 REV = $26M
Q22023 REV = $26.8M
Q32023 REV = $28.1M
Q42023 REV = $35.8M
Q12024 REV = $29.5M (Decline from Q4 likely from end of year versus new-year tracking of Rx and shipments of drugs, resetting of Copays)
Most Recent EPS -$0.05 per share
May 22, 2024 - Vote on S will take place, caution
~Statistics Applicable To Thesis~
333.3 million US Population (2022)
8,109,679,892 Global Population (2024)
~Drugs On Market~
~Tavalisse – Treatment for ITP, FDA Approved April 17, 2018~
~What is ITP?~
Immune thrombocytopenia (ITP) is an illness that can lead to bruising and bleeding. Low levels of the cells that help blood clot, also known as platelets, most often cause the bleeding.
Once known as idiopathic thrombocytopenic purpura, ITP can cause purple bruises. It also can cause tiny reddish-purple dots on the skin that look like a rash.
Children can get ITP after a virus. They most often get better without treatment. In adults, the illness often lasts months or years. People with ITP who aren't bleeding and whose platelet count isn't too low might not need treatment. For worse symptoms, treatment might include medicines to raise platelet count or surgery to remove the spleen. Immune thrombocytopenia (ITP) - Symptoms and causes - Mayo Clinic
~What is Tavalisse?~
TAVALISSE is a prescription medication used to treat adults with low platelet counts due to chronic immune thrombocytopenia (ITP) when a prior treatment for ITP has not worked well enough. It is not known if TAVALISSE is safe and effective in children.
The cost for Tavalisse oral tablet 100 mg is around $15,404 for a supply of 60 tablets, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
Tavalisse Prices, Coupons, Copay & Patient Assistance - Drugs.com
TAVALISSE IS AN ORAL MEDICATION TAKEN TWICE DAILY WITH OR WITHOUT FOOD1
A 12-week evaluation period is recommended
60 tablets = 1 month supply, evaluation period = 3 months, Cost for 3 months = $46,212 Cash, assuming cheaper through wholesale, insurance, discount cards, etc.
Dosing TAVALISSE® (fostamatinib disodium hexahydrate) tablets (tavalissehcp.com)
~Addressable Market~
“Our findings suggest that nearly 20,000 children and adults are newly diagnosed with ITP each year in the US, substantially higher than previously reported. Among patients requiring formal medical care, the economic burden during the first 12 months following diagnosis is high, with estimated US expenditures totaling over $400 million.”
Primary immune thrombocytopenia in US clinical practice: incidence and healthcare burden in first 12 months following diagnosis - PubMed (nih.gov)
The estimated prevalence of ITP in the United States is 9.5 per 100,000 people, with a global prevalence of over 200,000 people at any given time [1].
Immune thrombocytopenia. [ Oct; 2022 ]. 2022. https://rarediseases.org/rare-diseases/immune-thrombocytopenia
~Author Calculations/Estimates~
ITP estimated cases based on measured statistics 31,635 cases a year in the US and 770,355 cases globally each year.
~Rezlidhia – R Acute Myeloid Leukemia, FDA Approved December, 22, 2022~
~What is Relapsed or Refractory Acute Myeloid Leukemia?~
Relapsed, or recurrent, acute myeloid leukemia (AML) means the leukemia has come back after treatment and remission.
Refractory AML means the leukemia did not respond to treatment. Complete remission has not been reached because the chemotherapy drugs did not kill enough leukemia cells.
Both relapsed and refractory AML need more treatment to reach complete remission.
Your healthcare team will suggest treatments based on your needs and work with you to develop a treatment plan. Some factors considered for your treatment include:
your age
your health
how long the leukemia was in remission
treatments you had before
where the leukemia comes back
Treatment options usually include chemotherapy and a stem cell transplant if possible. Targeted therapy may also be used.
Treatments for relapsed or refractory acute myeloid leukemia Canadian Cancer Society
~What is IDH1?~
Somatic mutations in isocitrate dehydrogenase (IDH) genes occur frequently in adult Acute myeloid leukemia (AML) and less commonly in pediatric AML… Enhanced genomic and epigenomic profiling of acute myeloid leukemia (AML) has led to identification of recurrent mutations that are prognostic and are candidates for targeted therapy. Somatic mutations in isocitrate dehydrogenase (IDH) genes, IDH1 and IDH2, occur in ∼6% to 16% and ∼8% to 19% of adult patients with AML, respectively.1-5 In pediatric AML, IDH mutations are rare, occurring in <4% of patients.6-11
Characteristics and prognostic impact of IDH mutations in AML: a COG, SWOG, and ECOG analysis Blood Advances American Society of Hematology (ashpublications.org)
~What is Rezlidhia?~
REZLIDHIA is a prescription medicine used to treat adults with acute myeloid leukemia (AML) with an isocitrate dehydrogenase-1 (IDH1) mutation when the disease has come back or has not improved after previous treatment(s).
Targeted Treatment REZLIDHIA® (olutasidenib) capsules
The cost for Rezlidhia oral capsule 150 mg is around $17,468 for a supply of 30 capsules, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
Rezlidhia Prices, Coupons, Copay & Patient Assistance - Drugs.com%20is%20a%20member,on%20the%20pharmacy%20you%20visit.)
~Addressable Market~
The annual incidence of new cases in both men and women is approximately 4.3 per 100,000 population, totaling over 20,000 cases per year in the United States alone.[13] The median age at the time of diagnosis is about 68, with a higher prevalence observed among non-Hispanic Whites. Furthermore, males exhibit a higher incidence compared to females, with a ratio of 5:3.
Acute Myeloid Leukemia - StatPearls - NCBI Bookshelf (nih.gov)
~Author Calculations/Estimates~
Cases of AML with IDH1 would be 11% based on the median of statistics above (6% to 16%) leaving approximately 1500 to 2000 cases a year in the US. Appling the same calculations to world population would amount to approximately 38,500 cases a year globally.
~Gavreto – Treats RET+ Non-Small Cell Lung Cancer In Adults and RET+ Thyroid Cancer in Kids and Adults, FDA Approved August 9, 2023~
For the sake of common ground, I am going to assume these types of cancers do not need to be elaborated on as we all likely have a basic understanding of what they are. The medical conditions treated by Tavalisse and Rezlidhia I felt needed a more in-depth explanation because they are not common. I will elaborate on RET+ a little later in this writing.
~What is Gavreto?~
GAVRETO is an oral once daily prescription medicine used to treat certain cancers caused by abnormal rearranged during transfection ~(RET+)~ genes in:
Adults with non-small cell lung cancer (NSCLC) that has spread
Adults and children 12 years of age and older with advanced thyroid cancer or thyroid cancer that has spread who require a medicine by mouth or injection (systemic therapy) and who have received radioactive iodine and it did not work or is no longer working*
It is not known if GAVRETO is safe and effective when used to treat cancers caused by abnormal RET genes in children for the treatment of NSCLC or in children younger than 12 years of age for the treatment of thyroid cancer.
Home GAVRETO® (pralsetinib)
The cost for Gavreto oral capsule 100 mg is around $11,745 for a supply of 60 capsules, depending on the pharmacy you visit. Quoted prices are for cash-paying customers and are not valid with insurance plans. This price guide is based on using the Drugs.com discount card which is accepted at most U.S. pharmacies.
The recommended dosage for adults and children 12 and over is 400mg orally once daily. Each capsule is 100mg, which means you will take 4 capsules. Gavreto should be taken on an empty stomach, at least 1 hour before or 2 hours after a meal.
Gavreto Prices, Coupons, Copay & Patient Assistance - Drugs.com
~What is Rearranged During Transfection Positive (RET+)?~
RET-positive cancer is caused by a mutation or abnormal re-arrangement of the RET gene. It occurs most commonly in lung cancer and several types of inherited and sporadic thyroid cancers. RET alterations also occur in an estimated 1-2% of multiple other cancers, including ovarian, pancreatic, salivary, breast, and colorectal cancers.
RETpositive Empowering Patients and Driving Research
Rearranged during transfection (RET) rearrangements were first identified as oncogenic drivers in NSCLC in 2012. The proportion of patients with NSCLC who have RET rearrangements (ie, fusion-positive disease) is approximately 1%-2%.
RET Fusion-Positive Non-small Cell Lung Cancer: The Evolving Treatment Landscape The Oncologist Oxford Academic (oup.com)
RET alterations occur most commonly in lung cancer (non-small cell lung cancer (NSCLC)) and the number of new cases diagnosed each year is considerable, accounting for approximately 37,500 [IG1] cases worldwide and 4,000 cases in the US (2% of NSCLC) (2,3). RET alterations are also common in several types of inherited and sporadic thyroid cancers and can occur in other types of cancers like ovarian, breast, pancreatic, and colorectal cancers, among others (4-8) adding >110,000 cases yearly worldwide (9).
What is RET Positive Lung Cancer? - The Happy Lungs Project
(2) Although medullary thyroid carcinoma represents 5-10% of all thyroid cancers, activating RET gene abnormalities occur in over 90% of hereditary and approximately 40%-60% of sporadic medullary thyroid carcinoma cases.
Patients – RETpositive%20Although%20medullary%20thyroid%20carcinoma,sporadic%20medullary%20thyroid%20carcinoma%20cases.)
~Prevalence of Non-Small Cell Lung Cancer~
Most lung cancer statistics include both small cell lung cancer (SCLC) and non-small cell lung cancer (NSCLC). In general, about 10% to 15% of all lung cancers are SCLC, and about 80% to 85% are NSCLC.
Lung cancer (both small cell and non-small cell) is the second most common cancer in both men and women in the United States (not counting skin cancer). In men, prostate cancer is more common, while breast cancer is more common in women.
The American Cancer Society’s estimates for lung cancer in the US for 2024 are:
About 234,580 new cases of lung cancer (116,310 in men and 118,270 in women)
About 125,070 deaths from lung cancer (65,790 in men and 59,280 in women)
Lung Cancer Statistics How Common is Lung Cancer? American Cancer Society
Worldwide, an estimated 2,206,771 people were diagnosed with lung cancer in 2020. These statistics include both small cell lung cancer and NSCLC.
Lung Cancer - Non-Small Cell: Statistics Cancer.Net
~Author Calculations/Estimates~
Approximately 187,664 cases of NSCLC in the US based on an 80% factor.
Approximately 1,765,416 cases of NSCLC worldwide based on an 80% factor.
~Prevalence of Thyroid Cancer~
Rate of New Cases and Deaths per 100,000: The rate of new cases of thyroid cancer was 13.5 per 100,000 men and women per year. The death rate was 0.5 per 100,000 men and women per year. These rates are age-adjusted and based on 2017–2021 cases and 2018–2022 deaths.
Lifetime Risk of Developing Cancer: Approximately 1.2 percent of men and women will be diagnosed with thyroid cancer at some point during their lifetime, based on 2017–2019 data. Lifetime risk based on data through 2022 will available soon.
Prevalence of This Cancer: In 2021, there were an estimated 979,295 people living with thyroid cancer in the United States.
Thyroid Cancer — Cancer Stat Facts
About 44,020 new cases of thyroid cancer (12,500 in men and 31,520 in women)
About 2,170 deaths from thyroid cancer (990 in men and 1,180 in women)
Thyroid cancer is often diagnosed at a younger age than most other adult cancers. The average age when a person is diagnosed with thyroid cancer is 51.
This cancer is about 3 times more common in women than in men. It is about 40% to 50% less common in Black people than in any other racial or ethnic group.
Key Statistics for Thyroid Cancer American Cancer Society)
Addressable Market
Given Gavreto’s dual treatment capacity, the total amount of potential patients with NSCLC with RET+ indications would be approximately 2,800 cases in the US and approximately 26,500 cases worldwide each year using a factor of 1.5% of total NSCLC cases. The total amount of treatable cases for Thyroid Cancer would be approximately 650 in the US and 16,500 cases worldwide respectively each year applying the same 1.5% RET+ percentage rate. DOUBLE CHECK MATH…
~Rigel Pharmaceuticals Pipeline~
~IRAK/4 – Clinical Trials~
Rigel’s investigational candidate, R289, is an oral, potent and selective inhibitor of interleukin receptor-associated kinases 1 and 4 (IRAK1/4).
Toll like receptors (TLRs) and the interleukin 1 receptor family (IL-1Rs) play a critical role in the innate immune response and dysregulation of these pathways can lead to a variety of inflammatory conditions such as psoriasis, rheumatoid arthritis, and inflammatory bowel disease. Chronic stimulation of both receptor systems has also been implicated in causing a pro-inflammatory bone marrow environment leading to persistent cytopenias in lower-risk myelodysplastic syndrome (LR-MDS) patients1.
R835 is a selective dual inhibitor of IRAK1/4 that blocks TLR4 and IL-1R-dependent systemic cytokine release. In preclinical studies, R835 demonstrated activity in multiple animal models of inflammatory disease2,3 and showed that dual inhibition of IRAK1 and IRAK4 provided more complete suppression of inflammatory cytokines when compared to an IRAK4-selective inhibitor4.
Development of R289:
In a Phase 1 clinical trial, R835 was well tolerated and inhibited LPS-induced inflammatory cytokine production in healthy volunteers, demonstrating proof-of-mechanism.5 Phase 1 clinical studies of R289 (an oral prodrug that is rapidly converted to R835 in the gut) are also complete.
A Phase 1b open-label, multicenter trial of R289 in patients with relapsed/refractory lower-risk MDS is currently enrolling (NCT05308264). The primary endpoint for this trial is safety with key secondary endpoints including preliminary efficacy and evaluation of pharmacokinetic properties.
~Bemcentinib – Bergenbio Partnership~
In June 2011, Rigel entered into an exclusive, worldwide research, development and commercialization agreement with BerGenBio for its investigational AXL receptor tyrosine kinase (AXL) inhibitor, R428 (now referred to as bemcentinib).
Bemcentinib is a potent, selective and orally bioavailable AXL inhibitor and the furthest along in clinical trials. In preclinical studies, bemcentinib was shown to have an effect as a single agent therapeutic in the prevention and reversal of acquired resistance to standard of care cytotoxics and targeted therapies and may also slow or prevent tumor metastasis.
Rigel received an upfront payment and is eligible for milestone payments and potential sublicensing revenue, as well as tiered royalty payments on any future net sales of products emerging from the collaboration.
~R552 Systemic – Eli Lilly Partnership~
Rigel’s investigational candidates are oral, potent and selective inhibitors of receptor-interacting serine/threonine-protein kinase 1 (RIPK1).
RIPK1 is a critical signaling protein implicated in a broad range of key inflammatory cellular processes including necroptosis, a type of regulated cell death, and cytokine production. In necroptosis, cells rupture leading to the dispersion of cell contents, which can trigger an immune response and enhance inflammation. RIPK1 inhibition has therapeutic potential in treating autoimmune, inflammatory, and neurodegenerative disorders.
Rigel’s RIPK1 inhibitor program includes R552, a systemic molecule being developed for the treatment of autoimmune and inflammatory disorders, and brain penetrating RIPK1 inhibitors for central nervous system (CNS) diseases. In preclinical studies, R552 demonstrated prevention of joint and skin inflammation in a RIPK1-mediated murine model of inflammation and tissue damage.
Development of R552:
In Q2 2023, the initial Phase 2a trial (NCT05848258) in moderately to severely active rheumatoid arthritis (RA) was initiated by partner Eli Lilly.
Development CNS-penetrating RIPK1 inhibitors:
Currently in preclinical studies.
~Milademetan – Daiichi Sankyo Partnership~
Rigel has a long-standing collaboration with Daiichi-Sankyo for developing murine double minute 2 (MDM2) protein inhibitors in cancer, which were discovered in Rigel’s laboratories.
Preliminary safety and efficacy data from an early Phase 1 study of milademetan (formerly DS-3032), an oral selective MDM2 inhibitor, in hematological malignancies suggests that it may be a promising potential treatment for oncology indications.
Rigel received an upfront payment and is eligible for milestone payments, as well as tiered royalty payments on any future net sales of any products emerging from the collaboration.
~Rxxx (CNS Penetrant) – Eli Lilly Partnership~
Rigel’s investigational candidates are oral, potent and selective inhibitors of receptor-interacting serine/threonine-protein kinase 1 (RIPK1).
RIPK1 is a critical signaling protein implicated in a broad range of key inflammatory cellular processes including necroptosis, a type of regulated cell death, and cytokine production. In necroptosis, cells rupture leading to the dispersion of cell contents, which can trigger an immune response and enhance inflammation. RIPK1 inhibition has therapeutic potential in treating autoimmune, inflammatory, and neurodegenerative disorders.
Rigel’s RIPK1 inhibitor program includes R552, a systemic molecule being developed for the treatment of autoimmune and inflammatory disorders, and brain penetrating RIPK1 inhibitors for central nervous system (CNS) diseases. In preclinical studies, R552 demonstrated prevention of joint and skin inflammation in a RIPK1-mediated murine model of inflammation and tissue damage.
Development of R552:
In Q2 2023, the initial Phase 2a trial (NCT05848258) in moderately to severely active rheumatoid arthritis (RA) was initiated by partner Eli Lilly.
Development CNS-penetrating RIPK1 inhibitors:
Currently in preclinical studies. Pipeline :: Rigel Pharmaceuticals, Inc. (RIGL)
~Summary and Prediction~
The current share price of sub $1 does not feel justified. I would anticipate financial breakeven by the end of 2024 or potentially in Q1 or Q2 of 2025. The robust pipeline, progress, and expected revenue growth are enough to justify a much higher valuation. The debt load is manageable, but the potential for S is concerning. I believe that the S is not necessary and revenue growth and progress should speak for itself. I am not as bullish as the analysts at HC Wainright for a $15 PT, but the valuation should be at least 3x to 5x from the current value. This thesis does not highlight the patents surrounding their drugs either which some extend into 2035 and beyond. Perhaps what Wall Street is discounting is the fact that most of the drugs are very niche. However, the currently available drugs have an addressable market, albeit less universal than some, but you should value it in the sense of multiple facets (a 1000 headed snake is the phrase I wanted to use). I believe the company should be valued with specialty drugs in mind which would command a higher PE ratio. At the current day and time of writing, the value should be at least $1.50 to $1.75 ~at a minimum~ with a 12 month price target of $3 to $5+. I will be looking for continued revenue growth in each quarter this year and realization of revenue from Gavreto in Q2 or Q3 this year. The partnerships should not be discounted either and the current share price if it lingers here perhaps may attract a merger or acquisition. I initially began the research thinking that perhaps the drugs were too niche, but given the multiple drugs they are working with, I believe their revenue sources will continue to grow if you do not focus on one particular drug as the main performer. With the most recent inflation report being cooler than expected, I would suspect larger funds and institutions will be circling back to riskier assets.
2024.05.19 02:39 No_Investigator_6935 How bad are those bushings?
 | I am a broke college student. The dealership told me i need to replace these bushings asap and quoted me 2200 bucks. It a 2011 accord. Do i need to replace those immediately? Thank you all! submitted by No_Investigator_6935 to MechanicAdvice [link] [comments] |
2024.05.19 01:00 Few-Display5133 What are your favorite memories of watching Stargate?
Hello everyone! I have just recently rediscovered this sub a few days ago and have been pretty much lurking non stop since, and just wanted to share some of my favorite memories of watching this show with my dad.
I first started watching this show with my dad when I was about 12 years old (I am now 28). We started with the original movie before starting with SG1, and immediately after the 1st episode was hooked and couldn’t get enough of it. Couldn’t even tell you how many times we watched SG1/SGA all the way through(never finished SGU).
Watching the show with my dad as a kid and talking stargate together was our thing. It’s some of my fondest/happiest memories as kid of my dad. We went to a convention together in LA in 2011 I believe, and ended up going to a convention in Chicago, in the summer of 2012, that we took a train to get to all the way from Fullerton, Ca. Long story for a different day as to why we took a train lol.
This man loved stargate so much that his ringtone on his iPhone was the opening music to Atlantis. This man could quote any episode off the top of his head and his knowledge of this show was rival to none.
Unfortunately, he passed away in 2021 due to congestive heart failure while on dialysis. It still is the most devastating and heat breaking day I ever had. I know the amount of pain he was in and how difficult it was for him to live like that, especially since he was a realtor and had move around a lot and talk to people. I know in my heart of hearts that he “ Died Free”. Free from all the pain and agony he had on a daily basis. I haven’t been able to bring myself to watch the show without him, it just hurts too much and feels wrong. However, after rediscovering this sub I’ve been able to relive my favorite moments with him, and I’m thankful to everybody who has posted here about their love of Stargate.
My favorite episode is “Threshold” from season 5. Where Teal’c is put through the Rite of M’al Sharran, after he was brainwashed by Apophis. I love getting a look into Teal’cs past as first time of Apophis and the mercy he showed Va’lar, and the shame he felt later on when he killed him.
So I’m asking all of you, what is your favorite memory of watching Stargate? Whether it was a parent, spouse, loved one, or by yourself, please share.
And yes I did ultimately end up serving just under 6 years in the USAF and just got out 3 weeks ago.
Thank you
submitted by Few-Display5133 to Stargate [link] [comments]
I first started watching this show with my dad when I was about 12 years old (I am now 28). We started with the original movie before starting with SG1, and immediately after the 1st episode was hooked and couldn’t get enough of it. Couldn’t even tell you how many times we watched SG1/SGA all the way through(never finished SGU).
Watching the show with my dad as a kid and talking stargate together was our thing. It’s some of my fondest/happiest memories as kid of my dad. We went to a convention together in LA in 2011 I believe, and ended up going to a convention in Chicago, in the summer of 2012, that we took a train to get to all the way from Fullerton, Ca. Long story for a different day as to why we took a train lol.
This man loved stargate so much that his ringtone on his iPhone was the opening music to Atlantis. This man could quote any episode off the top of his head and his knowledge of this show was rival to none.
Unfortunately, he passed away in 2021 due to congestive heart failure while on dialysis. It still is the most devastating and heat breaking day I ever had. I know the amount of pain he was in and how difficult it was for him to live like that, especially since he was a realtor and had move around a lot and talk to people. I know in my heart of hearts that he “ Died Free”. Free from all the pain and agony he had on a daily basis. I haven’t been able to bring myself to watch the show without him, it just hurts too much and feels wrong. However, after rediscovering this sub I’ve been able to relive my favorite moments with him, and I’m thankful to everybody who has posted here about their love of Stargate.
My favorite episode is “Threshold” from season 5. Where Teal’c is put through the Rite of M’al Sharran, after he was brainwashed by Apophis. I love getting a look into Teal’cs past as first time of Apophis and the mercy he showed Va’lar, and the shame he felt later on when he killed him.
So I’m asking all of you, what is your favorite memory of watching Stargate? Whether it was a parent, spouse, loved one, or by yourself, please share.
And yes I did ultimately end up serving just under 6 years in the USAF and just got out 3 weeks ago.
Thank you
2024.05.18 18:13 Throwaway01170915 Just sharing my thoughts as someone who knows Julie Rowe and the Daybells personally.
Warning: LONG POST (Also, apologies in advance for LDS church jargon and terminology)
I have a unique perspective that I thought maybe some on this sub would find interesting. I am LDS and for those of you who are unfamiliar with the church but are just interested in this case, just know that life as members of our church can be a VERY small world, even across state lines. So I personally knew Julie Rowe when she lived in Arizona, and I now live in Rexburg and my husband and his family are local so I have a LOT of personal connections to Chad and his kids.
That said, here's my experience with these individuals. First- Julie Rowe. I was in her ward in Oro Valley (northern suburb of Tucson) Arizona in 2011 and 2012. She lived in our neighborhood and was my sister's Activity Days leader. I was a senior in high school and babysat her kids 2-3 times. My mom was nice to her because my mom is the sweetest, and felt bad for Julie. One day she asked my mom to go on a walk with her and she did. On that walk, Julie started talking to my mom about her out of body experience and said a few things that made her uncomfortable. My mom distanced herself from Julie pretty immediately. Soon thereafter, Julie was asked by the bishopric to not speak in church, comment in classes, or give prayers anymore because she had begun saying some wacko stuff in testimony meetings and comments in class. Everyone kinda started noticing how weird she was after that. Around that time was the last time I babysat her kids. She dropped them off at my house and when she came to pick them up I DISTINCTLY remember this strange encounter: She was talking to me about college because I had recently gotten accepted to BYU-Idaho and would be moving there in the fall. She went on a rant with my mom, sister, and I telling us how one day we would all need to move to Rexburg because it would be protected. She was talking so crazy and we couldn't get out of the conversation so I called our home phone with my cell phone to have an excuse to make her leave. Shortly after that, her family and her disappeared. Like, overnight they moved and house was empty. Super weird.
Fast forward a few years and I meet my husband who is from the area but also lived in Springville as a kid. Chad is friends with his dad and was in the process of helping him publish a book about mental health when all of this came out. Tammy worked as a librarian in my little brother in law's elementary school. Emma even went on a double date with me and a family friend on the night I got engaged and was literally there, in some of our pictures. When all of this came out, I realized I lived down the street from Lori and their townhouses. Also, Rob Wood was my bishop for about two years before he took the case (and don't quote me, but I believe was released as bishop because of it).
PHEW I know that was a lot. But I just have a lot of strange connections and this case has just hit SO close to home for me. Way too close for comfort. And I have a theory:
My theory is that Julie Rowe and Chad were going to be the "it" couple in Chad's mind originally. I see Chad as a guy who grew up kind of a loser, always wanting attention and the limelight, but being boring and not the greatest looking guy, he ended up with a woman like Tammy who has many amazing qualities but who wasn't necessarily the "beautiful blonde bombshell" type that he saw Lori as. (nothing against Tammy!) He always secretly wanted attention and praise, which is why I think he was so tempted by manipulating other women to get what he wanted. Julie Rowe was perfect for that. Julie already had the theology and following, and Chad was both looking for women to manipulate and had his own religious weirdness as well.
Here's why I think they were flirting with an affair before he met Lori: I was talking to my husband’s family member who knows the Daybells well. We were just casually talking about the story I told above about Julie Rowe. She told me that she and her husband went to a farm of a friend of theirs. When they got there, it was later in the evening and Chad and Julie were alone walking around the farm property very close. They ended up running into each other and having to speak and Chad seemed very uncomfortable (this family member is in Chad’s ward so they knew he was married etc). He introduced the woman as Julie Rowe. They quickly got in Chad’s car and drove away. The family member talked later to the owner of the farm and she said that they had been there for a while just looking at areas to keep animals or whatever. That experience plus the claims Julie made.... yeah... I think Chad was trying to manipulate her in the beginning and it didn't work out. He probably assaulted her which is terrible, but she was putting herself with him alone wayy to much for a married woman and I think she got spooked and distanced herself. Just a theory.
Anyway. I know this was extremely long. I just had to dump all of this somewhere and this was the right audience!! I have so many more thoughts on this case that I'd love to discuss too, and I have even more connections to this case than I have shared here but out of concern for privacy I omitted them. Please feel free to ask any questions.
submitted by Throwaway01170915 to LoriVallow [link] [comments]
I have a unique perspective that I thought maybe some on this sub would find interesting. I am LDS and for those of you who are unfamiliar with the church but are just interested in this case, just know that life as members of our church can be a VERY small world, even across state lines. So I personally knew Julie Rowe when she lived in Arizona, and I now live in Rexburg and my husband and his family are local so I have a LOT of personal connections to Chad and his kids.
That said, here's my experience with these individuals. First- Julie Rowe. I was in her ward in Oro Valley (northern suburb of Tucson) Arizona in 2011 and 2012. She lived in our neighborhood and was my sister's Activity Days leader. I was a senior in high school and babysat her kids 2-3 times. My mom was nice to her because my mom is the sweetest, and felt bad for Julie. One day she asked my mom to go on a walk with her and she did. On that walk, Julie started talking to my mom about her out of body experience and said a few things that made her uncomfortable. My mom distanced herself from Julie pretty immediately. Soon thereafter, Julie was asked by the bishopric to not speak in church, comment in classes, or give prayers anymore because she had begun saying some wacko stuff in testimony meetings and comments in class. Everyone kinda started noticing how weird she was after that. Around that time was the last time I babysat her kids. She dropped them off at my house and when she came to pick them up I DISTINCTLY remember this strange encounter: She was talking to me about college because I had recently gotten accepted to BYU-Idaho and would be moving there in the fall. She went on a rant with my mom, sister, and I telling us how one day we would all need to move to Rexburg because it would be protected. She was talking so crazy and we couldn't get out of the conversation so I called our home phone with my cell phone to have an excuse to make her leave. Shortly after that, her family and her disappeared. Like, overnight they moved and house was empty. Super weird.
Fast forward a few years and I meet my husband who is from the area but also lived in Springville as a kid. Chad is friends with his dad and was in the process of helping him publish a book about mental health when all of this came out. Tammy worked as a librarian in my little brother in law's elementary school. Emma even went on a double date with me and a family friend on the night I got engaged and was literally there, in some of our pictures. When all of this came out, I realized I lived down the street from Lori and their townhouses. Also, Rob Wood was my bishop for about two years before he took the case (and don't quote me, but I believe was released as bishop because of it).
PHEW I know that was a lot. But I just have a lot of strange connections and this case has just hit SO close to home for me. Way too close for comfort. And I have a theory:
My theory is that Julie Rowe and Chad were going to be the "it" couple in Chad's mind originally. I see Chad as a guy who grew up kind of a loser, always wanting attention and the limelight, but being boring and not the greatest looking guy, he ended up with a woman like Tammy who has many amazing qualities but who wasn't necessarily the "beautiful blonde bombshell" type that he saw Lori as. (nothing against Tammy!) He always secretly wanted attention and praise, which is why I think he was so tempted by manipulating other women to get what he wanted. Julie Rowe was perfect for that. Julie already had the theology and following, and Chad was both looking for women to manipulate and had his own religious weirdness as well.
Here's why I think they were flirting with an affair before he met Lori: I was talking to my husband’s family member who knows the Daybells well. We were just casually talking about the story I told above about Julie Rowe. She told me that she and her husband went to a farm of a friend of theirs. When they got there, it was later in the evening and Chad and Julie were alone walking around the farm property very close. They ended up running into each other and having to speak and Chad seemed very uncomfortable (this family member is in Chad’s ward so they knew he was married etc). He introduced the woman as Julie Rowe. They quickly got in Chad’s car and drove away. The family member talked later to the owner of the farm and she said that they had been there for a while just looking at areas to keep animals or whatever. That experience plus the claims Julie made.... yeah... I think Chad was trying to manipulate her in the beginning and it didn't work out. He probably assaulted her which is terrible, but she was putting herself with him alone wayy to much for a married woman and I think she got spooked and distanced herself. Just a theory.
Anyway. I know this was extremely long. I just had to dump all of this somewhere and this was the right audience!! I have so many more thoughts on this case that I'd love to discuss too, and I have even more connections to this case than I have shared here but out of concern for privacy I omitted them. Please feel free to ask any questions.
2024.05.18 16:03 ghhewh PO's new advert: A political attack on PiS or a serious discussion about Russian influence?
Let us start with the advert itself. Well, in form it is no different from the PiS adverts made by Kurski. Dramatic music, dramatic narration, dramatic frames, a few piles of skulls, a smiling Putin, Lukashenko and so on. It's obvious that the intention was to hammer the PiS = Russia equation into people's heads by appealing to the simplest of emotions, namely fear of a brutal superpower. Well, and it's a campaign ad, so of course the political opponent, i.e. PiS, is hit with a mace. Opinions differ. I am one of those who believe that this form will have the opposite effect to the one intended. In the safe electorate of PO it will probably be attractive. Everywhere else, it will cause embarrassment. As a result, many people will think that all this Russian influence is no real problem. Just another stage in the 20-year PO-PiS war. And I am not even talking about the so-called Jan Kowalski). This is exactly the tone in which professional pundits speak. It never ceases to amaze me, but what can I do, I have come to terms with the facts.
Well, it shouldn't be like that.
It has been argued that PiS has did a lot more and a lot worse over eight years. Yes, that is true. It has. And it would be nice if some pundits remembered that and didn't write silly things about how now, in May 2024, someone in Poland has called someone a traitor for the first time. Still, I guess we expected a more sophisticated rhetoric from the current government, didn't we? Because the problem of Russian influence is real and has been swept under the carpet as much as possible. And it needs to be dealt with in a calm, rational way.
That's right. Because apart from the form, there is also content in the ad. There is the statement that PiS "won the election with the help of illegally collected recordings from a Russian coal importer". Ok, here is the suggestion that PiS won ONLY because of this, which of course is not true. The 2015 victory, like any victory, was the result of many factors. Both the mistakes of the then PO-PSL coalition, the lies of PiS (Smolensk trutherism, refugee fearmongering, purported plans of privatising forests) and the poor result of the Left), which was missing a few tens of thousands of votes to enter the Sejm. Yes, this is manipulation, although we should also remember that we are talking about a 50-second election ad. Nevertheless, the base of this argument is as true as it can be. The recordings from the restaurant were commissioned by Marek Falenta, who imported Russian coal into Poland. The Russians were involved in this affair on several levels, to which I will return shortly. PiS obtained these recordings from Falenta, knowing that they had been obtained illegally and probably knowing that they were helping a Russian spy. PiS used them to help itself win the election. I'm sorry, but that's what happened.
It goes on to say that PiS increased imports of Russian coal. This is no secret either, the figures are public. In the last two years of the PO-PSL coalition, 6.5 and 4.9 million tonnes were imported from there. In the first years of the PiS government, these figures rose to 5.2, 8.6 and 13.1 million respectively, after which they began to fall. In 2019-2020, they reached a similar volume as in 2010-2011, i.e. with the PO-PSL government. Of course, this is manipulative, because to get a complete picture one would have to give the total volumes for eight years (and these are similar), while the sheer fact of the sudden increase in Russian coal imports after 2015 is undeniable.
It continued: 'Cases indicating the growing influence of Belarusian and Russian agencies have been swept under the carpet.
Excuse me, but weren't they? If it is possible to point to a constant, unchanging part of this issue during the eight years of the PiS government, it is the pattern, which has always been the same. Investigative journalists uncover some Russian influence on people close to the ruling party, some (let's be clear: some) media write about it, some of us are outraged, and then nothing happens. Little has been done about the Russian infiltration of circles opposing the government, see the Confederation, the anti-establisment and anti-vaccine movements and so on. The question 'where are the agencies' has even been asked so many times in pro-democratic social media that I could print these comments and cover my walls with them. Sorry, but that's how it was. I don't know if it gets any better, but that's the way it was.
Furthermore, 'they blocked investment in the expansion of the Polish army'.
If I were PO, I would stay away from this argument. Yes, PiS blocked the purchase of Caracal helicopters, and during Macierewicz's time as defense minister, the army sometimes even lacked uniforms. But all this is irrelevant today, given that after the Russian invasion of Ukraine the PiS government has expanded the Polish military a lot. This argument would make sense in 2019. In 2024 it does not. I note, however, that it was not as various PiS propagndists now portray it that they took power and immediately turned Poland into a military superpower. In fact, little was done in this direction for the first six years.
It continues: 'Thanks to the support and involvement of PiS politicians, Tomasz Szmydt, until recently a judge and in fact a spy who fled to Belarus, has made a dizzying career.
I don't know what could be controversial here? Probably just the clear naming of Szmydt as a spy. Actually, we don't know 100% what his role was, but ok, it fits into the convention of a campaign ad. On the other hand, the statement that Szmydt had a career on the side of PiS is, well, I'm very sorry, but: true.
Finally, there is a passage in which Tusk compares the United Right) to the communist ruling party PZPR, which was once deciphered as 'paid traitors, lackeys of Russia' (Płatni zdrajcy, pachołki Rosji) . It's all part of the political shit throwing. To make it stick, the PiS logo is turned upside down, and turns into the Russian coat of arms is. This is how the advert ends.
We have discussed the ad itself, but it has sparked a discussion about Russian influence in Poland. There is no shortage of voices saying that it is absurd to call PiS a 'pro-Russian party', because the PiS government has given a lot of military equipment to Ukraine, including priceless tanks, in considerable numbers. Let me perhaps clarify a few things.
It is necessary to specify what is meant by 'pro-Russian party'. Is PiS a party that openly says that Russia is great? No. Has Kaczyński ever said that he copied his policies from Russia? No. Has he openly sided with Russia against the West? Again, no.
But was Kaczyński saying much the same thing about the West that the Kremlin has been saying for years? Yes, he was. Did Kaczyński create a political crisis in relations with almost all of Poland's Western allies as soon as he took power? Yes, he did. Did he introduce a series of anti-democratic laws in Poland that resembled Russian solutions, albeit in a softer version? Yes. Did Kaczyński plan and promote a war with the EU institutions that ultimately led to an unprecedented freeze of EU subsidies to Poland? Yes. Did he speak the language of polexit? Yes, he did. Does all this fit into Russia's strategy of dismantling Western structures? Absolutely.
So perhaps a more appropriate word than 'pro-Russian' would be 'Russifying'? Or a little longer: 'often strongly pursuing the Kremlin's geopolitical interests, sharing the Kremlin's view of Europe and European values, as the Kremlin is fiercely anti-Western, though likely to see itself as very anti-Russian'?
Earlier I mentioned the tape scandal and the involvement of the Russians in it. Although it seems unlikely, some pundits have managed to dismiss this fact because it does not fit in with the fact that PiS supplied arms to Ukraine. Well, they say, if PiS is supposedly so pro-Russian that the Russians helped it come to power, how do you explain the aid? Well, first of all, its proponents forget something as trivial as chronology. When the people linked to the Russians were setting up the background to the tape scandal, there was no war. It was 2010-2012, and the first wiretap was set up in the spring of 2013. There was no Euromaidan, no rebellion in Donbas, no annexation of Crimea. No one could have predicted how PiS would behave in 2022, because no one expected anything unusual to happen in 2022.
On the other hand, it was foreseeable that PiS would be an anti-Western party. That it would be a party that would confront the EU and its individual members. That PiS would say similar things about the EU as Russia, as PiS had been saying for years, and that it would ally with far-right circles that said so even more. That it would make a mess in the intelligence agencies, just like in 2006. And now let's look at the chronology. In 2013, the first bugs were set up. In June 2014, a scandal erupts, the media repeats all these vulgar quotes for months, which kills off PO's chances in the 2015 elections. In the autumn of 2015, PiS takes power and almost immediately: breaks into the NATO counterintelligence expert centre, abolishes the ABW field delegations, removes almost everyone from the agencies and fills them with newcomers with no experience (just like in 2006), makes Macierewicz the head of the Ministry of Defence with all his Russian connections, which Macierewicz immediately turns into a landing spot for people with Russian connections (such as Gaj and Kownacki), supports the pro-Russian think tank Ordo Iuris and immediately initiates an anti-Western civilisational turn. In this context, should we be so surprised that the Russians might have preferred the PiS in power?
All this happens six years before any tanks are handed over to Ukraine. I know, shocker, history didn't start in the spring of 2022.
Well, and now PO is releasing that ad. And some people say: oh dear, now PiS is going to accuse PO of being pro-Russian and the PO is going to accuse PiS of being pro-Russian, It's unbearable, so let's pretend it's not happening. I won't hide it, it's tiresome. But it would be nice if, as a species, a rational species, we could sometimes look beyond the political insults and focus on the evidence. And there really is a lot of it. The fact that the advert presents the case in this way does not change the fact that the situation is extremely serious.
It has been argued that PO's ad is setting the European Parliament campaign entirely on the Russia-EU divide. This is true, but there is a nuance. Leaving aside the clumsy form and the manipulation I explained above... isn't it the case that it was PiS that just took part in no less than three summits of European and American eurosceptics, Trumpists and Putin lovers, where it was explicitly said that this is the election in which it would be decided whether Europe would return to 'normality', traditional values, Christian roots and a 'Europe of homelands', or be swallowed up forever by the woke behemoth? Needless to say, this is a narrative very similar to the one the Kremlin has been using for years?
In short, what we need now is a serious debate about Russian and Belarusian influence in Poland. A debate that has been sorely lacking in recent years. This debate will inevitably become part of a political conflict. It will not be avoided because we are also talking about the influence of top politicians (not only from the PiS, by the way). All the more reason to be careful. The PO ad is a campaign ad, so it has a different convention. Nevertheless, in my opinion, it does the opposite. It reduces a real problem to a political trend. We can only hope that this is just a stupid idea of a few PR excecs and not part of a strategy that will last for years. The recent actions of the ABW and the fact that Donald Tusk has announced the appointment of a commission of experts to investigate these influences allow for some cautious optimism on this issue. Time will tell, of course.
submitted by ghhewh to neoliberal [link] [comments]
Well, it shouldn't be like that.
It has been argued that PiS has did a lot more and a lot worse over eight years. Yes, that is true. It has. And it would be nice if some pundits remembered that and didn't write silly things about how now, in May 2024, someone in Poland has called someone a traitor for the first time. Still, I guess we expected a more sophisticated rhetoric from the current government, didn't we? Because the problem of Russian influence is real and has been swept under the carpet as much as possible. And it needs to be dealt with in a calm, rational way.
That's right. Because apart from the form, there is also content in the ad. There is the statement that PiS "won the election with the help of illegally collected recordings from a Russian coal importer". Ok, here is the suggestion that PiS won ONLY because of this, which of course is not true. The 2015 victory, like any victory, was the result of many factors. Both the mistakes of the then PO-PSL coalition, the lies of PiS (Smolensk trutherism, refugee fearmongering, purported plans of privatising forests) and the poor result of the Left), which was missing a few tens of thousands of votes to enter the Sejm. Yes, this is manipulation, although we should also remember that we are talking about a 50-second election ad. Nevertheless, the base of this argument is as true as it can be. The recordings from the restaurant were commissioned by Marek Falenta, who imported Russian coal into Poland. The Russians were involved in this affair on several levels, to which I will return shortly. PiS obtained these recordings from Falenta, knowing that they had been obtained illegally and probably knowing that they were helping a Russian spy. PiS used them to help itself win the election. I'm sorry, but that's what happened.
It goes on to say that PiS increased imports of Russian coal. This is no secret either, the figures are public. In the last two years of the PO-PSL coalition, 6.5 and 4.9 million tonnes were imported from there. In the first years of the PiS government, these figures rose to 5.2, 8.6 and 13.1 million respectively, after which they began to fall. In 2019-2020, they reached a similar volume as in 2010-2011, i.e. with the PO-PSL government. Of course, this is manipulative, because to get a complete picture one would have to give the total volumes for eight years (and these are similar), while the sheer fact of the sudden increase in Russian coal imports after 2015 is undeniable.
It continued: 'Cases indicating the growing influence of Belarusian and Russian agencies have been swept under the carpet.
Excuse me, but weren't they? If it is possible to point to a constant, unchanging part of this issue during the eight years of the PiS government, it is the pattern, which has always been the same. Investigative journalists uncover some Russian influence on people close to the ruling party, some (let's be clear: some) media write about it, some of us are outraged, and then nothing happens. Little has been done about the Russian infiltration of circles opposing the government, see the Confederation, the anti-establisment and anti-vaccine movements and so on. The question 'where are the agencies' has even been asked so many times in pro-democratic social media that I could print these comments and cover my walls with them. Sorry, but that's how it was. I don't know if it gets any better, but that's the way it was.
Furthermore, 'they blocked investment in the expansion of the Polish army'.
If I were PO, I would stay away from this argument. Yes, PiS blocked the purchase of Caracal helicopters, and during Macierewicz's time as defense minister, the army sometimes even lacked uniforms. But all this is irrelevant today, given that after the Russian invasion of Ukraine the PiS government has expanded the Polish military a lot. This argument would make sense in 2019. In 2024 it does not. I note, however, that it was not as various PiS propagndists now portray it that they took power and immediately turned Poland into a military superpower. In fact, little was done in this direction for the first six years.
It continues: 'Thanks to the support and involvement of PiS politicians, Tomasz Szmydt, until recently a judge and in fact a spy who fled to Belarus, has made a dizzying career.
I don't know what could be controversial here? Probably just the clear naming of Szmydt as a spy. Actually, we don't know 100% what his role was, but ok, it fits into the convention of a campaign ad. On the other hand, the statement that Szmydt had a career on the side of PiS is, well, I'm very sorry, but: true.
Finally, there is a passage in which Tusk compares the United Right) to the communist ruling party PZPR, which was once deciphered as 'paid traitors, lackeys of Russia' (Płatni zdrajcy, pachołki Rosji) . It's all part of the political shit throwing. To make it stick, the PiS logo is turned upside down, and turns into the Russian coat of arms is. This is how the advert ends.
We have discussed the ad itself, but it has sparked a discussion about Russian influence in Poland. There is no shortage of voices saying that it is absurd to call PiS a 'pro-Russian party', because the PiS government has given a lot of military equipment to Ukraine, including priceless tanks, in considerable numbers. Let me perhaps clarify a few things.
It is necessary to specify what is meant by 'pro-Russian party'. Is PiS a party that openly says that Russia is great? No. Has Kaczyński ever said that he copied his policies from Russia? No. Has he openly sided with Russia against the West? Again, no.
But was Kaczyński saying much the same thing about the West that the Kremlin has been saying for years? Yes, he was. Did Kaczyński create a political crisis in relations with almost all of Poland's Western allies as soon as he took power? Yes, he did. Did he introduce a series of anti-democratic laws in Poland that resembled Russian solutions, albeit in a softer version? Yes. Did Kaczyński plan and promote a war with the EU institutions that ultimately led to an unprecedented freeze of EU subsidies to Poland? Yes. Did he speak the language of polexit? Yes, he did. Does all this fit into Russia's strategy of dismantling Western structures? Absolutely.
So perhaps a more appropriate word than 'pro-Russian' would be 'Russifying'? Or a little longer: 'often strongly pursuing the Kremlin's geopolitical interests, sharing the Kremlin's view of Europe and European values, as the Kremlin is fiercely anti-Western, though likely to see itself as very anti-Russian'?
Earlier I mentioned the tape scandal and the involvement of the Russians in it. Although it seems unlikely, some pundits have managed to dismiss this fact because it does not fit in with the fact that PiS supplied arms to Ukraine. Well, they say, if PiS is supposedly so pro-Russian that the Russians helped it come to power, how do you explain the aid? Well, first of all, its proponents forget something as trivial as chronology. When the people linked to the Russians were setting up the background to the tape scandal, there was no war. It was 2010-2012, and the first wiretap was set up in the spring of 2013. There was no Euromaidan, no rebellion in Donbas, no annexation of Crimea. No one could have predicted how PiS would behave in 2022, because no one expected anything unusual to happen in 2022.
On the other hand, it was foreseeable that PiS would be an anti-Western party. That it would be a party that would confront the EU and its individual members. That PiS would say similar things about the EU as Russia, as PiS had been saying for years, and that it would ally with far-right circles that said so even more. That it would make a mess in the intelligence agencies, just like in 2006. And now let's look at the chronology. In 2013, the first bugs were set up. In June 2014, a scandal erupts, the media repeats all these vulgar quotes for months, which kills off PO's chances in the 2015 elections. In the autumn of 2015, PiS takes power and almost immediately: breaks into the NATO counterintelligence expert centre, abolishes the ABW field delegations, removes almost everyone from the agencies and fills them with newcomers with no experience (just like in 2006), makes Macierewicz the head of the Ministry of Defence with all his Russian connections, which Macierewicz immediately turns into a landing spot for people with Russian connections (such as Gaj and Kownacki), supports the pro-Russian think tank Ordo Iuris and immediately initiates an anti-Western civilisational turn. In this context, should we be so surprised that the Russians might have preferred the PiS in power?
All this happens six years before any tanks are handed over to Ukraine. I know, shocker, history didn't start in the spring of 2022.
Well, and now PO is releasing that ad. And some people say: oh dear, now PiS is going to accuse PO of being pro-Russian and the PO is going to accuse PiS of being pro-Russian, It's unbearable, so let's pretend it's not happening. I won't hide it, it's tiresome. But it would be nice if, as a species, a rational species, we could sometimes look beyond the political insults and focus on the evidence. And there really is a lot of it. The fact that the advert presents the case in this way does not change the fact that the situation is extremely serious.
It has been argued that PO's ad is setting the European Parliament campaign entirely on the Russia-EU divide. This is true, but there is a nuance. Leaving aside the clumsy form and the manipulation I explained above... isn't it the case that it was PiS that just took part in no less than three summits of European and American eurosceptics, Trumpists and Putin lovers, where it was explicitly said that this is the election in which it would be decided whether Europe would return to 'normality', traditional values, Christian roots and a 'Europe of homelands', or be swallowed up forever by the woke behemoth? Needless to say, this is a narrative very similar to the one the Kremlin has been using for years?
In short, what we need now is a serious debate about Russian and Belarusian influence in Poland. A debate that has been sorely lacking in recent years. This debate will inevitably become part of a political conflict. It will not be avoided because we are also talking about the influence of top politicians (not only from the PiS, by the way). All the more reason to be careful. The PO ad is a campaign ad, so it has a different convention. Nevertheless, in my opinion, it does the opposite. It reduces a real problem to a political trend. We can only hope that this is just a stupid idea of a few PR excecs and not part of a strategy that will last for years. The recent actions of the ABW and the fact that Donald Tusk has announced the appointment of a commission of experts to investigate these influences allow for some cautious optimism on this issue. Time will tell, of course.
2024.05.18 13:01 FelicitySmoak_ On This Day In Michael Jackson HIStory - May 18th
 | 1973 - The Jackson 5 play at the Spectrum Theater (closed -2009) in Philadelphia, Pennsylvania. submitted by FelicitySmoak_ to WhereWasMJToday [link] [comments] 1979 - On their Destiny tour, The Jackson's play at Nashville Municipal Auditorium in Nashville, Tennessee https://preview.redd.it/bh1srufzns0d1.jpg?width=1059&format=pjpg&auto=webp&s=c5f280b04dc7d8c725b743ff588393fc0088cf28 1987- Michael decided to leave the Jehovah's witnesses.Their headquarters in Brooklyn, NY issued a statement dated today that they "no longer considered Michael Jackson to be one of Jehovah's Witnesses," by mutual agreement. The final breakup would take place on June 6, 1987. Per LaToya Jackson in La Toya: Growing Up in the Jackson Family ′′ On Victory's turn,..., [Michael] hired someone whose sole job was to place a Kingdom venue in every city so that Michael would not miss a single meeting... Michael...won these records eight honors at the 1984 Grammy Awards. The next morning, an old man gave him an ultimatum that my brother had to choose between music and the [Jehovah's Witness] religion... Because Michael diligently studied the Bible, by I could usually quote chapters and verses supporting their claim that entertaining people was not wrong. ′′ I continue to live by the (Jehovah' s Witness) teachings," he noted, as he had done so many times before. 'I still go door to door wherever I am, even though I'm on tour. I can't stop people from hanging up my poster on the wall or booting up my picture from a magazine. I'm not asking you to idolize me. I just want you to enjoy my music. .... Many Jehovah's Witnesses often gathered outside the Kingdom Hall in hopes of seeing Michael Jackson, knowing full well that this type of flattery was forbidden. Michael did everything humanly possible to prove his devotion to Jehovah. Once, when an old man criticized him, 'Your movements on stage suggest sex; don't do them anymore,' my brother accomplished without protest and quickly changed the routine. He also invited an old man on tour to see for himself that he lived in harmony with all the rules of the faith, survey. Door to door, and and attended all the meetings... One day I walked into Janet's room and found Michael crying in living tears. LaToya,... I can't talk to you anymore... There was a big meeting, and they told me never to talk to you because you hadn't come to the Kingdom Hall.... They said if I didn't stop talking to you, they would kick me out religion. ... Michael decided to disobey the elders' edict and after that he never attended another meeting... he then severed his ties with the organization via a formal letter. What made this painful episode even more agonizing was that for a long time I thought Michael might be one of the remnants, the 144,000 selected"1988 - Michael moved out of Hayvenhurst, the family's Encino home, to his recently purchased ranch in the Santa Ynez Valley about 100 miles north of Los Angeles. The 2,700 acre Sycamore Valley Ranch was soon renamed Neverland Valley Ranch from Michael's favorite book,Peter Pan 1988- Michael’s first movie Moonwalker is previewed at the Cannes Film Festival in Cannes, France. Michael does not attend the preview. The movie is scheduled for a Christmas release https://reddit.com/link/1cuuskj/video/7s9bwaavns0d1/player https://preview.redd.it/yx7fbthxns0d1.jpg?width=184&format=pjpg&auto=webp&s=8b690c15787e6a5dd5fa2aef62a30fcfa7bb7077 1993- Michael receives two awards total for "Black or White"and "Remember The Time" at the BMI Pop Awards Dinner at the Regency Beverly Wilshire Hotel in Los Angeles. BMI awards honor the year's top songwriters & publishers. He did not attend. Lori Byler, president of the ‘MJ Observer Fan Club’, later presentes Michael with another award, a plaque in recognition of his work with children. 1993- In an article in USA Today Paul McCartney talked about Michael's 1985 takeover of the Lennon and McCartney songwriting legacy. 1998 -Michael & Don Barden visit an orphanage at the SOS Village in Komasdal outside Windhoek, Namibia. As he arrived at the orphanage, he was mobbed by the children, who according to the finance coordinator idolized him. "Some can do perfect imitations of him", she said. He brought gifts for the 123 children housed there. He also donated a large screen television, a video recorder and $20,000 https://preview.redd.it/mcoznue8os0d1.jpg?width=620&format=pjpg&auto=webp&s=f21dcd3c3873696a7a4f0f46ff3b6bb7aca4dce2 2002- Michael is reunited with his sister LaToya for the first time since 1988 at Neverland. He introduces Blanket to the family. 2005 - Trial Day 55 Michael goes to court with Katherine & Randy https://preview.redd.it/61ulfjyoos0d1.jpg?width=380&format=pjpg&auto=webp&s=fc34cbb12d535387c8ac17c6125137f1ac8f09a7 https://preview.redd.it/4ag4cx3mos0d1.jpg?width=434&format=pjpg&auto=webp&s=343e488e443c7dfd09f37640d3bf2088d281edbc https://preview.redd.it/rgf0pxzqos0d1.jpg?width=413&format=pjpg&auto=webp&s=a7055f090a8315da15af5fbe353d5c43ac5a7973 2009 - A new video is premiered on Michael's official website showing the dancers’ auditions. https://reddit.com/link/1cuuskj/video/kmofz55vos0d1/player 2011- MJ memorabilia is on display during Hard Rock Cafe's 40th anniversary Memorabilia Tour at Hard Rock Cafe in Times Square https://preview.redd.it/w5im1v1xos0d1.jpg?width=612&format=pjpg&auto=webp&s=c1e98ff988064c92b95a00a952fc916e1bbc47ab https://preview.redd.it/n4dwxvbzos0d1.jpg?width=408&format=pjpg&auto=webp&s=e980c6958f33cd83a022cca32723b76f38953b70 2013 - Cirque du Soleil opens the third of four nights of the Michael Jackson: The Immortal International Tour performance at the Yokohama Arena in Yokohama 2014 - Michael , in hologram form, performed “Slave to the Rhythm” at the Billboard Music Awards, with a five-piece band and 16 dancers live onstage https://reddit.com/link/1cuuskj/video/z53kqqq1ps0d1/player John Branca on the performance: “It’s so important to experience Michael Jackson in a live setting. This is something where we wanted a live performance in front of a live audience and nothing speaks to that more than an awards show.”https://preview.redd.it/hl5kza37ps0d1.jpg?width=612&format=pjpg&auto=webp&s=b72da6985031cff066724f7162e49cc931da0c95 https://preview.redd.it/ott0va37ps0d1.jpg?width=612&format=pjpg&auto=webp&s=ef801274481c5d01427396b7d7f7cd415eefcbfd https://preview.redd.it/wisgs937ps0d1.jpg?width=612&format=pjpg&auto=webp&s=f8a9fa5ecb96fe7462dc8bdb91d4e5d46a645088 https://preview.redd.it/vqq7p937ps0d1.jpg?width=419&format=pjpg&auto=webp&s=1f56ee828d540e63931b70680437ac0c9a05db89 |
2024.05.18 01:42 ElectricalUmpire823 Settlement Question
My 2011 Hyundai Sonata was stolen last year and had quite a bit of damage but I only fixed what I absolutely needed to drive it. On the settlement documents it reads that I can get up to 3k for damage to my car. My question is, do I need to pay for 3k worth of fixes or can i still get settlement from turning in a quote for the 3k worth of work & then get the work done once I receive the settlement money. I am trying to avoid being 3k in the hole and risking not getting that money back. Any help would be much appreciated!
submitted by ElectricalUmpire823 to Hyundai [link] [comments]
2024.05.17 19:52 NerdMicrobe Honest suggestion
 | Good evening beautiful people. submitted by NerdMicrobe to CarTalkUK [link] [comments] I drive a Citroen C4 2011 and I like the car a lot, there is no doubt I am biased towards it, I have driven it for 6 years, I have looked after it very well when it comes to maintenance, I have always paid what I was asked for. This is my second rather large bill after recently having to change the clutch kit. I took it for a diagnostic after feeling quite some strong vibrations in the steering wheel while slowing down from 60/70 coming close to the roundabout, in my 25-mile commute to work I have about 4 roundabouts on a dual carriageway and every time I get close to them the vibration in the steering wheel feels very strong. I have read there could be something to do with brakes and I care equally about my safety and the other traffic participants. I have taken the car to a high-rated service in my area and they quoted me a quite substantial bill this time, I have no intention of not fixing the car but the opposite. I have been following this group for some time and I found there are a lot of knowledgeable people here and I thought to ask for a suggestion. Can this repair be done somewhere else for perhaps less? I do not understand the complexity of the job and was wondering if some of you could add a suggestion. I have paid the diagnosis fee of £114 and honestly, I would go for the rest of the bill too but I find myself in a little financial mess to put it straight! Do I have an option to save a few £££ or go ahead with their quote?! I have attached some images they have provided and some details about them. Any opinions would be much appreciated. Thank you. https://preview.redd.it/zy2slg8bz01d1.jpg?width=1500&format=pjpg&auto=webp&s=aa14a8a2f0199814d5d578e19d0757217975d493 https://preview.redd.it/85j09g8bz01d1.jpg?width=1500&format=pjpg&auto=webp&s=3cfe9cdd025e70be875574b7d237a1fc56dfc860 https://preview.redd.it/sfg9wg8bz01d1.jpg?width=1500&format=pjpg&auto=webp&s=994d97f10ce6a571a1438e862792ea26d45705ee https://preview.redd.it/gvqxuj8bz01d1.png?width=845&format=png&auto=webp&s=5df238e1d4af11c01e9b4a66695d8871b659b4ac |
2024.05.17 18:16 flawroar reddit comment formatting by RAERTH
Reddit Comment Formatting
18-Nov-2011: Updated to include the latest markdown changes.
submitted by flawroar to soaringpieces [link] [comments]
18-Nov-2011: Updated to include the latest markdown changes.
Contents
- Basic text formatting (Italics, Bold,
Strikethrough, Superscript, inline code, Quoting)- Linking
- Line Breaks & Paragraphs
- Lists
- Tables
- Block Code
- Headlines and Horizontals
1. Basic Text Formatting
Italics are created using either a single asterisk (*) or single underscore (_).
Example:
This is *italic text*, this is also _italic text_.becomes:
This is italic text, this is also italic text.
Bold text is created with double asterisks (**) or double underscores (__).
Example:
This is **bold text**, this is also __bold text__.becomes:
This is bold text, this is also bold text.
Strikethrough text is created using a double tilde (~~).
Example:
This is ~~strikethrough text~~.becomes:
This isstrikethroughtext.
Superscript text is created using the carot (^).
Example:
This sentence contains super^script.becomes:
This sentence contains superscript.Note that you cannot leave space before the carot, and there is no closing tag.
Superscript can also be stackedlikethis.
inline code (monospaced text) is created using the backtick (grave accents) (`).
Example:
This sentence contains inline code: `javascript:alert("hello world");`becomes:
This sentence contains inline code: javascript:alert("hello world");
Quoting is achieved by starting a line with an Angle Bracket (>)
Example:
>Here's a quote.becomes:
>Another paragraph in the same quote. >>A nested quote.
>Back to a single quote.
And finally some unquoted text.
Here's a quote.And finally some unquoted text.
Another paragraph in the same quote.
A nested quote.Back to a single quote.
To remove formatting you will need to use a Backslash (\)
Example:
This sentence escapes \*italic text\* and \*\*bold text\*\*.becomes:
This sentence escapes *italic text* and **bold text**.
2. Linking
Creating a link
Example:
[Reddit](http://reddit.com)becomes:
- http://
- https://
- ftp://
- mailto:
- steam://
- irc://
- news://
- mumble://
- ssh://
You can also provide title text for links:
[Reddit](http://reddit.com "what's new online!").becomes:
Reddit ← (hover!)Title text can be used to hide spoilers:
[spoiler](/s"The spoiler text goes here")becomes:
spoiler ← (hover!)
Reddit now recognises when you want to link to a subreddit.
Example:
This is a shameless plug for /BritishTV!becomes:
This is a shameless plug for /BritishTV!
If a URL contains brackets you will need to escape these.
Example without escaping:
[Cube](http://en.wikipedia.org/wiki/Cube_(film))becomes:
Cube) ← (note the surplus bracket!)Example with escaping:
[Cube](http://en.wikipedia.org/wiki/Cube_(film\))becomes:
Cube ← (no surplus bracket!)
3. Line Breaks & Paragraphs
Line breaks in comments are achieved by adding four spaces (shown using ░) to the end of the line. Simply hitting return (shown using ↵) will not work.
Example:
First line↵ Second linebecomes:
First line Second linebut:
First line░░░░↵ Second linebecomes:
First line Second line
Paragraphs are formed when you hit return (shown using ↵) twice.
First Paragraph↵ ↵ Second Paragraphbecomes:
First Paragraph
Second Paragraph
4. Lists
To create Unordered Lists each item should begin with either an asterisk (*), plus sign (+) or minus sign (-).
Example:
* Item 1 + Item 2 - Item 3becomes:
- Item 1
- Item 2
- Item 3
Ordered Lists are created with a number and period. It doesn't matter which number you start with, as markdown will always start with 1.
Example:
3. Item 1 2. Item 2 1. Item 3becomes:
- Item 1
- Item 2
- Item 3
The markup for Nested Lists has changed slightly:
Example:
1. This is Item 1 2. ░░░░1. This is Item 2.1 ░░░░2. This is Item 2.2 3. This is Item 3 4. This is Item 4becomes:
- This is Item 1
- This is Item 2.1
- This is Item 2.2
- This is Item 3
- This is Item 4
Lists should be clear of any text in the line immediately above and below, the same as making a new paragraph:
This is the wrong way to make a list 1. lorem 2. ispum reddit doesn't realize it should listify...becomes:
This is the wrong way to make a list 1. lorem 2. ispum reddit doesn't realize it should listify...Place lists in their own paragraph:
This is the correct way to make a listParagraphs in Lists and Nested lists using a combination of ordered and unordered lists, are no longer supported.
reddit realizes it should listify!
- lorem
- ispum
5. Tables
Tables are created using pipes ():
Example
Left align Center align Right align :--:--:--: This This This column column column will will will be be be left center right aligned aligned alignedbecomes:
Note that by default the first row is always bolded.
Left align Center align Right align This This This column column column will will will be be be left center right aligned aligned aligned
Column Alignment is determined by the second row.
Use ":--:" for centre aligned text, "--:" for right, and ":--" for left.You can also leave the top row empty, as long as you have the correct amount of pipes:
:--:--:--: thetoprow isnowemptybecomes
the top is now
6. Block code
Displaying block code, without formatting and in monospaced font, is as simple as starting the line with four spaces (shown using ░).
Example:
░░░░line of code ░░░░░░░░line of code ░░░░░░░░░░░░line of code ░░░░░░░░line of code ░░░░line of codebecomes:
line of code line of code line of code line of code line of code
7. Headlines & Horizonal Rules
Headline text can be created by using a number of hashes (#) corresponding to the tag you want. Headline tags will format all text until it encounters a Line Break or new Paragraph.
# Headline 1 ## Headline 2 ### Headline 3becomes:
NOTE: Markdown supports up to six headline tags, but only the first three have default formatting.Headline 1
Headline 2
Headline 3
To create a Horizontal Rule, simply add three asterisks (*) to an empty line.
***becomes:
And Finally...
I hope you find this useful. If you want to say thanks, you can always buy me a coffee and I'll love you longtime.
2024.05.17 17:57 EggEnvironmental6696 Response to Question Timer
27 days ago, NeatProgress3781 posted "Question Timer"
Hi everybody,
Basic question...what kind of timers are found on the actual exam? Just the overall timer or that and the question timer.
I find I'm spending more than 3 to 4 mins on too many questions and don't want to lose track of the time for each question when doing the real test. Don't know if I should be prepared to track them on a watch or if there is a timer for each question on the screen.
Thanks!
NeatProgress3781, hi. You asked about a "Question timer". Please give me 11 sentences to explain timing on the Exam. Gene Quinn, teacher of the PLI home-study course, taught during Claim Drafting & Amendments lecture his "reading method" for claim-drafting questions. He reads each answer slowly & emphasizes "a", "an", "the", & "said" while checking for antecedent basis. While this is both obvious & practical to claim-drafting questions, he also reads each answer slowly (NOT skimming) during his Debugging Method in the same video lecture (see photo). After reading the "call of the question", he reads the question for "key words & phrases" because verbatim question terms & answer terms is critical in claim-drafting questions. Next he reads each answer slowly (NOT skimming). The photo shows two answers with "knock-out" labels because in Gene's words "the answer is silly". Test Taker is left with only three choices for "deductions". Gene's Debugging Method appears to be his "universal method" for both "examination" question (question with a timeline) & "law" questions. That is, Gene Quinn's reading method NOT written aids (e.g., timelines, table, MPEP/Rule/Law quotes) defines the pace. That is, Test Takers like you, I, & others need both the Gene's Reading Method & Debugging Method, not a timer. All Test Takers know that 3 minutes 36 seconds is the average time per question, but if Test Taker "tracks time" during Exam, Test Taker is distracted. Perhaps others have a different opinion. Cheers
submitted by EggEnvironmental6696 to PatentBarExam [link] [comments]
Hi everybody,
Basic question...what kind of timers are found on the actual exam? Just the overall timer or that and the question timer.
I find I'm spending more than 3 to 4 mins on too many questions and don't want to lose track of the time for each question when doing the real test. Don't know if I should be prepared to track them on a watch or if there is a timer for each question on the screen.
Thanks!
NeatProgress3781, hi. You asked about a "Question timer". Please give me 11 sentences to explain timing on the Exam. Gene Quinn, teacher of the PLI home-study course, taught during Claim Drafting & Amendments lecture his "reading method" for claim-drafting questions. He reads each answer slowly & emphasizes "a", "an", "the", & "said" while checking for antecedent basis. While this is both obvious & practical to claim-drafting questions, he also reads each answer slowly (NOT skimming) during his Debugging Method in the same video lecture (see photo). After reading the "call of the question", he reads the question for "key words & phrases" because verbatim question terms & answer terms is critical in claim-drafting questions. Next he reads each answer slowly (NOT skimming). The photo shows two answers with "knock-out" labels because in Gene's words "the answer is silly". Test Taker is left with only three choices for "deductions". Gene's Debugging Method appears to be his "universal method" for both "examination" question (question with a timeline) & "law" questions. That is, Gene Quinn's reading method NOT written aids (e.g., timelines, table, MPEP/Rule/Law quotes) defines the pace. That is, Test Takers like you, I, & others need both the Gene's Reading Method & Debugging Method, not a timer. All Test Takers know that 3 minutes 36 seconds is the average time per question, but if Test Taker "tracks time" during Exam, Test Taker is distracted. Perhaps others have a different opinion. Cheers
2024.05.17 14:39 Sharp-Put4724 Holly and Kendra’s Unspoken History
Inspired by the Crystal thread; so many digs directed at both Crystal and Kendra that get overlooked because of Holly’s finesse. Their quiet fight goes back well before Kendra jumped on Twitter. And just to get it out of the way, I won’t be linking to Kendra’s tweets about Holly after her book came out. I think we all know about them and they’re on Google.
This is a timeline on the backstory leading up to the 2015 tweets detailing their feud up to that point.
For starters, check out the book recaps from each of their memoirs, with quotes both Holly and Kendra made toward each other.
Kendra’s book comments about Holly
While Holly and Bridget were indignant and calling Kendra’s book ‘lies’, a lot of what they called out as lies were either a matter of interpreting her retelling of events from her perspective, or have some plausibility.
Like her ‘lie’ about not sleeping with Hef before moving in. If you read the excerpt from her book, it’s just a matter of when Kendra officially became a girlfriend after what was essentially a ‘trial run’. It’s semantics of when she technically considered the relationship official.
Or the idea of Hef asking her to move in the first night without a ‘casting couch’ situation being unprecedented—Playmate and ex-girlfriend Stephanie Heinrich describes a very similar courtship
Holly and Bridget were taken aback at the ‘lie’ that Kendra felt lost at the mansion and wandered around, but in the commentary both things happened—Kendra was overwhelmed and Bridget helped. The retelling doesn’t make it a lie. Or that Kendra said they didn’t re-wear outfits when they did, and Izabella spoke about the pressure to always have new, non-repeat outfits for promotional/press events and Kendra didn’t specify the difference.
Any comments about Holly in ‘Sliding into Home’ basically boil down to ‘we weren’t close at first, her focus was Hef, our interests were different, but we grew closer over the course of the show’.
But in Holly’s ‘retaliation’ through her book, there are nonstop digs at Kendra, both subtle and explicit. To name just a few: a loudmouth, entitled, lazy person who fried her brain with drugs.
Holly’s book comments about Kendra
Seriously, she goes in on Kendra.
During the course of the show, there are some revealing moments in the form of passive-aggressive digs at her over the commentary here and here
And a couple out of so many examples of Holly changing the topic on any Kendra-relates scenes to not have attention on her here and here
This article cites reporting from Page Six about the end being near for GND and that Holly and Kendra are fighting:
“Holly and Bridget hate her,” a friend of Wilkinson told Page Six. “They’re totally jealous. She has her own empire now. She’s got a clothing line, a modeling career and an exercise empire. They’re just sitting there hangin’ with Hef.” The friend expounds, “Kendra was never really Hef’s girlfriend. She was cast for the show [E!’s ‘The Girls Next Door’] because Bridget and Holly are old, and they needed a young hot girl for Hef. She was selected from a bunch of Playmate wannabes.” Madison is 28, Marquardt, 34. Wilkinson celebrated her 21st birthday last year. Wilkinson is said to be eyeing her exit from “The Girls Next Door” and the famed mansion next season. “She’s definitely out,” her friend said. “There are too many rules and Holly and Bridget want her gone. They’re so mean to her.”
Holly responded on her MySpace that the article was a lie, and she and Kendra get along fine with no jealousy, only to make a bunch of digs at her expense:
“The latest Page 6 story is especially dumb. Saying I am jealous of Kendra because she has an "empire" and I'm "just sitting around with Hef"? What "empire"? I guess because I have a real full-time job aside from The Girls Next Door (excuse me for having a brain and having something REAL going on in my life as opposed to following in the footsteps of the socialite-of-the-week) means I am "sitting around" doing nothing. I guess having people announce clothing lines and workout products that never come to fruition means you are doing something.”
https://ohnotheydidnt.livejournal.com/25635091.html
In Kendra’s 2011 book ‘Being Kendra’ she wrote:
Of course I’d had relationship with people like Holly Madison and Bridget Marquardt in the past, but they were really just roommates, not close friends. We shared a boyfriend, we shared the spotlight, but now that I’m a mom we’re all just in different places. I just changed. I think it’s something that just happens naturally when you become a mom. You just grow up. Someone like Holly has a different lifestyle from me. I love her but I don’t know the people she hangs out with—they are more on the party scene, and I’ve put those days behind me. We still talk (she always gave me amazing words of encouragement during Dancing with the Stars and sent me fun little notes) but being a Vegas showgirl and constantly on the prowl for a new boyfriend . . . that’s her world, not mine. When it came to the baby, people like that just weren’t around. I was very alone.
[this 2015 article](RadarOnlinehttps://radaronline.com › photos › h...holly madison kendra wilkinson feud hank baskett ...) goes into their falling out—basically that Holly called Kendra fake, and her husband Hank wanted her to distance herself from Playboy:
According to Holly, Kendra cut ties with both her and Bridget after their run on the show ended in 2009; Holly said after she texted Kendra calling her cowardly and the "fakest person," the aloof reality star shot back, "WHO ARE YOU???? I DON'T EVEN KNOW YOU! WE WERE NEVER FRIENDS. IT WAS ALL JUST WORK."
"He wanted no ties to anyone from her Playboy lifestyle even though that's how Kendra and Hank got together," the friend claimed.
"A lot of it has to do with the fact that Kendra lacked a father figure," the friend claimed. "She just sought father figures in the relationships that she was in."
Shaded Kendra in this 2013 interview:
Wilkinson herself has a 3-year-old son, yet the 33-year-old Madison has revealed that she still talks to Bridget Marquardt, but not Wilkinson or Hugh Hefner. Madison explained that: ''Bridget and I are still friends, but I don't talk to anyone else. I moved on from the whole Playboy thing five years ago and really never looked back. I'm not one of those girls who goes back to all the parties and things.''
“I tried to be friends with her. I’ve known about three different Kendra’s since I met her.”
“Here was a rookie who had just gone all the way with an old dude and her only concern was how big her room was going to be”
submitted by Sharp-Put4724 to TheGirlsNextLevelPod [link] [comments]
This is a timeline on the backstory leading up to the 2015 tweets detailing their feud up to that point.
For starters, check out the book recaps from each of their memoirs, with quotes both Holly and Kendra made toward each other.
Kendra’s book comments about Holly
While Holly and Bridget were indignant and calling Kendra’s book ‘lies’, a lot of what they called out as lies were either a matter of interpreting her retelling of events from her perspective, or have some plausibility.
Like her ‘lie’ about not sleeping with Hef before moving in. If you read the excerpt from her book, it’s just a matter of when Kendra officially became a girlfriend after what was essentially a ‘trial run’. It’s semantics of when she technically considered the relationship official.
Or the idea of Hef asking her to move in the first night without a ‘casting couch’ situation being unprecedented—Playmate and ex-girlfriend Stephanie Heinrich describes a very similar courtship
Holly and Bridget were taken aback at the ‘lie’ that Kendra felt lost at the mansion and wandered around, but in the commentary both things happened—Kendra was overwhelmed and Bridget helped. The retelling doesn’t make it a lie. Or that Kendra said they didn’t re-wear outfits when they did, and Izabella spoke about the pressure to always have new, non-repeat outfits for promotional/press events and Kendra didn’t specify the difference.
Any comments about Holly in ‘Sliding into Home’ basically boil down to ‘we weren’t close at first, her focus was Hef, our interests were different, but we grew closer over the course of the show’.
But in Holly’s ‘retaliation’ through her book, there are nonstop digs at Kendra, both subtle and explicit. To name just a few: a loudmouth, entitled, lazy person who fried her brain with drugs.
Holly’s book comments about Kendra
Seriously, she goes in on Kendra.
During the course of the show, there are some revealing moments in the form of passive-aggressive digs at her over the commentary here and here
And a couple out of so many examples of Holly changing the topic on any Kendra-relates scenes to not have attention on her here and here
This article cites reporting from Page Six about the end being near for GND and that Holly and Kendra are fighting:
“Holly and Bridget hate her,” a friend of Wilkinson told Page Six. “They’re totally jealous. She has her own empire now. She’s got a clothing line, a modeling career and an exercise empire. They’re just sitting there hangin’ with Hef.” The friend expounds, “Kendra was never really Hef’s girlfriend. She was cast for the show [E!’s ‘The Girls Next Door’] because Bridget and Holly are old, and they needed a young hot girl for Hef. She was selected from a bunch of Playmate wannabes.” Madison is 28, Marquardt, 34. Wilkinson celebrated her 21st birthday last year. Wilkinson is said to be eyeing her exit from “The Girls Next Door” and the famed mansion next season. “She’s definitely out,” her friend said. “There are too many rules and Holly and Bridget want her gone. They’re so mean to her.”
Holly responded on her MySpace that the article was a lie, and she and Kendra get along fine with no jealousy, only to make a bunch of digs at her expense:
“The latest Page 6 story is especially dumb. Saying I am jealous of Kendra because she has an "empire" and I'm "just sitting around with Hef"? What "empire"? I guess because I have a real full-time job aside from The Girls Next Door (excuse me for having a brain and having something REAL going on in my life as opposed to following in the footsteps of the socialite-of-the-week) means I am "sitting around" doing nothing. I guess having people announce clothing lines and workout products that never come to fruition means you are doing something.”
https://ohnotheydidnt.livejournal.com/25635091.html
In Kendra’s 2011 book ‘Being Kendra’ she wrote:
Of course I’d had relationship with people like Holly Madison and Bridget Marquardt in the past, but they were really just roommates, not close friends. We shared a boyfriend, we shared the spotlight, but now that I’m a mom we’re all just in different places. I just changed. I think it’s something that just happens naturally when you become a mom. You just grow up. Someone like Holly has a different lifestyle from me. I love her but I don’t know the people she hangs out with—they are more on the party scene, and I’ve put those days behind me. We still talk (she always gave me amazing words of encouragement during Dancing with the Stars and sent me fun little notes) but being a Vegas showgirl and constantly on the prowl for a new boyfriend . . . that’s her world, not mine. When it came to the baby, people like that just weren’t around. I was very alone.
[this 2015 article](RadarOnlinehttps://radaronline.com › photos › h...holly madison kendra wilkinson feud hank baskett ...) goes into their falling out—basically that Holly called Kendra fake, and her husband Hank wanted her to distance herself from Playboy:
According to Holly, Kendra cut ties with both her and Bridget after their run on the show ended in 2009; Holly said after she texted Kendra calling her cowardly and the "fakest person," the aloof reality star shot back, "WHO ARE YOU???? I DON'T EVEN KNOW YOU! WE WERE NEVER FRIENDS. IT WAS ALL JUST WORK."
"He wanted no ties to anyone from her Playboy lifestyle even though that's how Kendra and Hank got together," the friend claimed.
"A lot of it has to do with the fact that Kendra lacked a father figure," the friend claimed. "She just sought father figures in the relationships that she was in."
Shaded Kendra in this 2013 interview:
Wilkinson herself has a 3-year-old son, yet the 33-year-old Madison has revealed that she still talks to Bridget Marquardt, but not Wilkinson or Hugh Hefner. Madison explained that: ''Bridget and I are still friends, but I don't talk to anyone else. I moved on from the whole Playboy thing five years ago and really never looked back. I'm not one of those girls who goes back to all the parties and things.''
“I tried to be friends with her. I’ve known about three different Kendra’s since I met her.”
“Here was a rookie who had just gone all the way with an old dude and her only concern was how big her room was going to be”
2024.05.17 11:49 curian852 Sold second hand car to family member big issues now
Long story short, I sold a 2011 Subaru forester to my girlfriends brother and now it has a leaking head gasket. I told him all the issues I knew with the car (A/C was making weird noise and the past history, work done to date etc. He took it for a long drive (borrowed the car for a camping trip), and said he liked it and would like to buy it off me. I sold it to him for 11k and it had 120,000km's on the engine.
2-3 months went by and the head gasket is leaking, took it to the mechanic and was quoted 8K for a engine transplant (78,000kms on it). I felt bad as he told me about it and decided to chip in 2.5K to get the engine done.
Did I do the right thing?
submitted by curian852 to Cartalk [link] [comments]
2-3 months went by and the head gasket is leaking, took it to the mechanic and was quoted 8K for a engine transplant (78,000kms on it). I felt bad as he told me about it and decided to chip in 2.5K to get the engine done.
Did I do the right thing?
2024.05.17 01:23 sld126b Chess.com vs Elon
 | submitted by sld126b to musked [link] [comments] |
2024.05.17 01:16 WalkThePlankCustoms Is there any other company besides BMF that manufactures and sells blank metal grips?
 | Working on my first 2011 right now. I ordered a blank metal grip from BMF before looking into them, I’m going on 7 weeks with no coms currently and their quoted shipping is supposed to be 4 weeks after ordering lol. submitted by WalkThePlankCustoms to 2011_Builders [link] [comments] |
2024.05.17 00:37 RealStore4934 Thoughts on financing’s a car
I’m looking into financing for the first time. The car would be a 2014 Chevy impala with 87k miles on it Cars price is $15,990 Dealer said I would be paying roughly $530 monthly or $130 weekly for 3yrs they don’t finance any longer than that. Progressive is quoting me 274$ monthly for car insurance for 6 months.
Currently driving a 2011 Chevy impala with 174k miles have had it for 3yrs, unfortunately it will not pass emissions that are due this Sunday.
Thought?
submitted by RealStore4934 to askcarsales [link] [comments]
Currently driving a 2011 Chevy impala with 174k miles have had it for 3yrs, unfortunately it will not pass emissions that are due this Sunday.
Thought?
2024.05.17 00:13 Scbjerry 23 year old need guidance Please help
hello guys i currently live on my own and i’m figuring out what adulthood is. December of last year, i was in an accident (not at fault) i suffered from injuries and from doctors orders missed a huge chunk of time. That caused me to get strained big time financial. I was able to start working again about a month or so, and present day i have a huge choice i need to make. I currently drove for uber and make money from youtube, with uber i can make as much money as i want (that’s what it feels like lol), i’m letting you guys know this bc my car went into the shop yesterday, and i was quoted 1300-1900, and i don’t have that just laying around. what i want to do is just say screw it and get a nicer used car from around 2012-2013, something reliable so that i can still work for uber. my current car is a 2011 nissan altima, 173000+ miles and the back end is smashed in, i personally don’t think it’s worth the repairs under the hood. with used car market i probably won’t have enough to buy off the lot, and id have to get a payment plan. should i repair the vehicle or get a newer (used) one?
submitted by Scbjerry to Advice [link] [comments]
2024.05.16 14:22 10XL How idiotic would I be to buy a 120i 1-series coupe as my first car?
For context: 26M living in Central London.
I just passed my test yesterday so every second my existence since then is being spent browsing Autotrader. I’ve been looking at all the sensible options: golfs, focuses, astras etc but insurance is basically a lottery. I can take 2x like-for-like cars with different number plates but get back vastly different quotes.
For whatever reason though, a 2011 2.0 120i M Sport BMW 1-series coupe pulled one of the cheapest quotes I’ve seen. It’s not the large family hatchback I had in mind, but at 75k miles, it’s got FSH, is ULEZ compliant, good MOT history, warranty from the dealer and generally looks very clean.
All feels a bit too good to be true if I’m being honest. What am I overlooking? Would it be a stupid decision to buy this car? It’s slightly over budget but the cheaper insurance balances things out. My current plan is to hold onto my first car for a year or so, until I’m a more experienced, seasoned driver - then I’ll sell and go for a lease via salary sacrifice.
submitted by 10XL to CarTalkUK [link] [comments]
I just passed my test yesterday so every second my existence since then is being spent browsing Autotrader. I’ve been looking at all the sensible options: golfs, focuses, astras etc but insurance is basically a lottery. I can take 2x like-for-like cars with different number plates but get back vastly different quotes.
For whatever reason though, a 2011 2.0 120i M Sport BMW 1-series coupe pulled one of the cheapest quotes I’ve seen. It’s not the large family hatchback I had in mind, but at 75k miles, it’s got FSH, is ULEZ compliant, good MOT history, warranty from the dealer and generally looks very clean.
All feels a bit too good to be true if I’m being honest. What am I overlooking? Would it be a stupid decision to buy this car? It’s slightly over budget but the cheaper insurance balances things out. My current plan is to hold onto my first car for a year or so, until I’m a more experienced, seasoned driver - then I’ll sell and go for a lease via salary sacrifice.
2024.05.16 11:32 IXMCMXCII To those who have read the SPM for AR6, how much more drastic do you think AR7's SPM will be should nothing change?
Whilst I do agree that countries will undertake some action to help combat the alarming increase in climate change, I shudder to think what AR7's SPM holds if we continue as is. AR6 states that
AR6 also informs us about how each of the last four decades has been hotter than any decade before 1850. From 2001 - 2020, the Earth's surface was about 0.99°C warmer than it was from 1850 - 1900. Between 2011 and 2020, it got even warmer, with temperatures about 1.09°C higher than in the late 1800s. The increase in temperature is more pronounced over land than over the ocean. Most of this warming has happened since the early 2000s.
Furthermore, the graphs Figure SPM.1 in IPCC, 20211 show us two key things (direct quote from AR6, bolded text is by IPCC):
AR6, SPM: https://www.ipcc.ch/report/ar6/wg1/downloads/report/IPCC_AR6_WGI_SPM.pdf
1 Figure SPM.1 in IPCC, 2021: Summary for Policymakers. In: Climate Change 2021: The Physical Science Basis. Contribution of Working Group I to the Sixth Assessment Report of the Intergovernmental Panel on Climate Change [Masson-Delmotte, V., P. Zhai, A. Pirani, S.L. Connors, C. Péan, S. Berger, N. Caud, Y. Chen, L. Goldfarb, M.I. Gomis, M. Huang, K. Leitzell, E. Lonnoy, J.B.R. Matthews, T.K. Maycock, T. Waterfield, O. Yelekçi, R. Yu, and B. Zhou (eds.)]. Cambridge University Press, Cambridge, UK and New York, NY,USA, pp. 3−32, doi: 10.1017/9781009157896.001 .]
submitted by IXMCMXCII to ClimateBrawl [link] [comments]
It is unequivocal that human influence has warmed the atmosphere, ocean and land. Widespread and rapid changes in the atmosphere, ocean, cryosphere and biosphere have occurred.As if this wasn't enough of a stark warning in the opening, AR6 goes on to says that
Observed increases in well-mixed greenhouse gas (GHG) concentrations since around 1750 are unequivocally caused by human activities. Since 2011 (measurements reported in AR5), concentrations have continued to increase in the atmosphere, reaching annual averages of 410 parts per million (ppm) for carbon dioxide (CO₂), 1866 parts per billion (ppb) for methane (CH₄), and 332 ppb for nitrous oxide (N₂O) in 2019.The science was settled for a very long time and I would have thought it would be widely accepted. Sadly this isn't the case. Having had my own family discuss the (non existent) (in my opinion)) issues they are having with analysis of climate change (is it man made or not, etc), many of them have accepted that indeed it is man made. And that we must look after the palnet for the betterment of the future. (Bolded text above was by me to highlight emphasis).
Land and ocean have taken up a near-constant proportion (globally about 56% per year) of CO₂ emissions from human activities over the past six decades, with regional differences (high confidence).
AR6 also informs us about how each of the last four decades has been hotter than any decade before 1850. From 2001 - 2020, the Earth's surface was about 0.99°C warmer than it was from 1850 - 1900. Between 2011 and 2020, it got even warmer, with temperatures about 1.09°C higher than in the late 1800s. The increase in temperature is more pronounced over land than over the ocean. Most of this warming has happened since the early 2000s.
Furthermore, the graphs Figure SPM.1 in IPCC, 20211 show us two key things (direct quote from AR6, bolded text is by IPCC):
Panel (a) Changes in global surface temperature reconstructed from paleoclimate archives (solid grey line, years 1–2000) and from direct observations (solid black line, 1850–2020), both relative to 1850–1900 and decadally averaged. The vertical bar on the left shows the estimated temperature (very likely range) during the warmest multi-century period in at least the last 100,000 years, which occurred around 6500 years ago during the current interglacial period (Holocene). The Last Interglacial, around 125,000 years ago, is the next most recent candidate for a period of higher temperature. These past warm periods were caused by slow (multi-millennial) orbital variations. The grey shading with white diagonal lines shows the very likely ranges for the temperature reconstructions.I am hoping that the conlusions of AR7's SPM shows us the light at the end of the and how much we as a planet have improved. The science is settled; ignoring and arguing against it is to me, foolish.
Panel (b) Changes in global surface temperature over the past 170 years (black line) relative to 1850–1900 and annually averaged, compared to Coupled Model Intercomparison Project Phase 6 (CMIP6) climate model simulations (see Box SPM.1) of the temperature response to both human and natural drivers (brown) and to only natural drivers (solar and volcanic activity, green). Solid coloured lines show the multi-model average, and coloured shades show the very likely range of simulations.
AR6, SPM: https://www.ipcc.ch/report/ar6/wg1/downloads/report/IPCC_AR6_WGI_SPM.pdf
1 Figure SPM.1 in IPCC, 2021: Summary for Policymakers. In: Climate Change 2021: The Physical Science Basis. Contribution of Working Group I to the Sixth Assessment Report of the Intergovernmental Panel on Climate Change [Masson-Delmotte, V., P. Zhai, A. Pirani, S.L. Connors, C. Péan, S. Berger, N. Caud, Y. Chen, L. Goldfarb, M.I. Gomis, M. Huang, K. Leitzell, E. Lonnoy, J.B.R. Matthews, T.K. Maycock, T. Waterfield, O. Yelekçi, R. Yu, and B. Zhou (eds.)]. Cambridge University Press, Cambridge, UK and New York, NY,USA, pp. 3−32, doi: 10.1017/9781009157896.001 .]
2024.05.16 06:06 gearheadforlife Brake pads and rotors $4,000?
Got quoted 4k to change the pads, rotors, brake fluid service, gas cap on a 2011 CTT
Is this a typical price?
submitted by gearheadforlife to PorscheCayenne [link] [comments]
Is this a typical price?
2024.05.16 05:17 vinylhandler Engine mounts for 2011 XC60
Hi Volvo redditors. My wife owns a 2011 xc60 which needs new engine mounts and brake pads. I don’t know much about Volvo’s in the US, so a couple of questions / advice if possible:
1 - would you recommend taking to an authorized Volvo repair shop? 2 - any considerations on the parts coming with a warranty? 3 - anyone has any experience with this would you recommend shopping around for a quote? What’s a reasonable price point? 4 - this thing drinks oil, any suggestions on what to also look at there? 5 - any consideration on trade in / resale value as and when the time comes to do so?
Thank you in advance!
submitted by vinylhandler to Volvo [link] [comments]
1 - would you recommend taking to an authorized Volvo repair shop? 2 - any considerations on the parts coming with a warranty? 3 - anyone has any experience with this would you recommend shopping around for a quote? What’s a reasonable price point? 4 - this thing drinks oil, any suggestions on what to also look at there? 5 - any consideration on trade in / resale value as and when the time comes to do so?
Thank you in advance!
2024.05.15 22:54 Kind-Kitty [WTS][US]Teas. Everything.
Hey Tea Exchange! It's Tea Cluttering Time. Moving…reducing. Teawares post to follow.
My teas are properly stored. Will quote CONUS, PPGS.
Please Comment before Chat or DM and kindly include your Zip Code. Thank you!
Proof & Verification - See Tea Headers
SHENG
10g $3
Bitterleaf Teas
3. Hummingbird 2013 Spring Jingle Mai One Coin available approx. +-8.5g with wrapper. $9 sold
4. Drink Me 2020 Nanmo Raw Puer Three Dragon Balls $8 sold
5. Charmed 2020 Lincang Raw Puer Three Dragon Balls $8 sold
6. Spring 2018 Outlier - Two Dragon Balls $6 or $3 each sold
7. 2018 Plum Beauty Gold 2018 Mengsong Raw Puer One Dragon Ball $4 Sold
11. Da Xue Shan Raw Pu-erh Tea Dragon Ball Rolled Pu'er Three Dragon Balls $9 sold
White2Tea
16. 2020 Camphornought One Dragon Ball $2 sold
17. 2020 Prosbloom Two Dragon Balls $3 sold
Yunnan Sourcing
30g $3.50
30g $3.50
OOLONG TEAS
What-Cha
22. China Fujian hangping Light Shui Xian Cake Two cakes/faerie pillows 18.8g with wrapper $5 sold
23. Vietnam 'RED BUFFALO' Oolong Tea 14g $3 sold
24. China FUJIAN BRANDY Oolong Tea 10g $3 sold
2017 - 11g $3 sold
2019 - 20g $6 sold
15g $6 sold
Bitterleaf Teas
29. Ducktale 2019 Spring Yashixiang Dancong Wulong (teal/gray label) 14g $9 Sold
30 gram pouch $25 sold
What-Cha
Bitterleaf Teas
Dobra - Ashland
43. Nilgiri Shiva - 19g $3 sold
47. What-Cha Mi-Xiang Honey Black 35g - $6 sold
48. Young Mountain Tea Company - Kuman 18g - $3 sold
MYLAR STORAGE
Yunnan Sourcing Tea Storage Bags
submitted by Kind-Kitty to teaexchange [link] [comments]
My teas are properly stored. Will quote CONUS, PPGS.
Please Comment before Chat or DM and kindly include your Zip Code. Thank you!
Proof & Verification - See Tea Headers
SHENG
- The Phoenix Collection 2001 Yiwu Qiamu #5417
10g $3
Bitterleaf Teas
- Dragon Blood 2015 Spring Lin Cang Zi Juan - Raw Purple Tea 20g $20
- Farmerleaf Spring 2018 Mengku Ba Nuo 16g $10
- Aromatic Bamboo Species Raw Pu-erh Tea "Xiang Zhu" 50 grams Bamboo Stick $15
- Mang Fei Mountain "Mandala Mushroom" Raw Pu-erh Tea Tuo 25g $8
- 2001 Gu Pu'er "Yin Hao Tuo" Raw Pu-erh Tea 50 Gram Tuo $34
- 2000 Bu Lang Mountain "Mushroom Tuo" Raw Pu-erh Tea 10g $8.50
- 2017 Swine Dog 8g $4
- 2018 Swine Dog 6g $2
White2Tea
Yunnan Sourcing
- 2020 Jingmai Mountain Ripe Puerh Cake 25g sealed $8
- 2019 Tie Guo Li Super Mini Coins Three Coins approx 25g with wrapper $4
- 2011 Mengku Grade 3 Ripe Mini Three Mini Touchas approx 18g with paper $2.50
- Yunnan Sourcing 2019 Gao Jia Shan "Golden Prosperity Pig Cometh" Fu Zhuan Tea
110g partial brick $12Sold
30g $3.50
30g $3.50
OOLONG TEAS
What-Cha
- Taiwan 2003 AGED GREEN HEART Oolong Tea 17g $8
- Anxi Oolong 2019 - 10g $3
- Magnolia Blossom Fragrance Yu Lan Xiang Oolong
Bitterleaf Teas
- Nectar Top Shelf Nectar 2019 Spring Milan... (pink label) - 10g $11
- Nectar 2019 Spring Milanxiang Dancong Wulong - (purple label) 12g $5
- Make it Rain 2019 Spring Aofuhou Dancong Wulong with Tin 50 gram sealed pouch $50
- DECORATIVE CAKE Dragon with Ball Big Red Robe Tea Cake approx. 100g $16
What-Cha
- Korea Jukro Jungjak Semi-Wild Green Tea 50g sealed envelope $25
- Two Hills Emerald Green Tea (iirc this is organic) 15g - $2 15g - $2
- Mystery Roasted Tea - from a Tea Shop A quality tea, I just don’t do roasted. 14g - $3
- Numi - Organic Green Jasmine 5 Sealed Sachets - $2 5 Sealed Sachets - $2
- Choice - Organic Reishi Matcha 5 Sealed Sachets - $3 5 Sealed Sachets - $3
- Hyley’s - Green Tea Pomegranate Garcinia Cambogia 5 Sealed Sachets - $3
- Choice - Organic Premium Japanese Green 5 Paper Sachets (stored separately in ziplocks) - $2
Bitterleaf Teas
- Skinny Dip 2019 Spring Simao White Tea a nice chunk of cake in the packet 22g $5
- 2016 Little Mountain Fuding Shoumei White Tea 36g $8
Dobra - Ashland
- Lychee Black Tea 23g - $3
- Vanilla Black Tea - 18g $2
- Silk Road Teas Yunnan Black 20g - $4
- TeaVivre Non-Pareil Yunnan Dian Hong Ancient Wild Tree 15g - $3
- Unsmoked Lapsang Souchong - 20g $2
- Republic of Tea British Breakfast 45 tea bags $8
- Taylors Organic Chamomile Sealed Tea Bags Five -$1
- Choice Organic Chamomile Paper Wrapper Five - $1
- Buddha Teas Passion Flower Sealed Tea Bags Five - $2
MYLAR STORAGE
Yunnan Sourcing Tea Storage Bags
- Kraft Mylar Zip Tall Stand Up Pouches 15 count $4.25
- Kraft Mylar Zip Tall Stand Up Pouches Square 5 count $1.75
2024.05.15 22:35 WCInvestor A Physician Disability Insurance Primer - Do You Really Need It?
 | The greatest financial risk for physicians is losing the ability to turn the knowledge and skills you spent a decade learning into a huge pile of money by working in your profession for decades. There are risks that could show up in your life that would prevent you from being able to accomplish this task. One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career. While many imagine this will occur in a sudden traumatic accident, medical illness is actually a more common cause of disability that prevents a doctor from working. Physician disability is a complicated type of insurance. This post will give you the “must-know” information to secure the best protection and help you avoid common disability insurance mistakes. submitted by WCInvestor to whitecoatinvestor [link] [comments] TL;DR: Key Takeaways: What Doctors Need to Know About Disability Insurance
What Is Disability Insurance?Disability insurance gives you an income to live on if you become so disabled that you can no longer work.If you become disabled, a long-term disability insurance policy pays a predetermined amount each month until you either recover from your disability or reach age 65-67. (Note: Policies vary. It is possible to buy a policy that pays to age 70 or even, for a very high premium, until death). Why Do Physicians Need Disability Insurance?One out of seven doctors end up having to use their disability insurance. Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face. Your most valuable asset is your ability to work.How Does Disability Insurance Work?Disability insurance is a pretty straightforward proposition. You buy a policy and pay your premium monthly or annually. If you become disabled, you (and your doctor) fill out the paperwork to prove it to the satisfaction of the insurance company and then they pay you the promised monthly benefit until you either recover from your disability or the insurance company meets its contractual obligation to pay the benefit.Short-Term vs. Long-Term DisabilityDisability insurance is most commonly divided into short-term and long-term.Short-Term DisabilityA short-term disability policy generally begins paying just as soon as you get disabled and then pays for a maximum period of 3-24 months. These policies are often provided by an employer as an employee benefit. Short-term disability, while inconvenient financially, is not generally a financial catastrophe for a physician saving for retirement with an emergency fund. As a result, many doctors do not buy short-term disability policies at all.Long-Term DisabilityA long-term disability policy generally does not pay immediately, but only begins to pay after a waiting period ranging from 1-24 months (typically 3 months). Then, the policy will continue to pay you a benefit each month until age 65, 67, or 70, depending on the policy. Note that a 3 month waiting period typically means your first check won't come until the end of the first month after the 3 months, so it's really a 4 month waiting period. Since losing your ability to earn a living for the rest of your life is a financial catastrophe, any doctor who is not financially independent should buy a long-term disability insurance policy.What Does Disability Insurance Cover?Disability insurance covers all kinds of disabilities. The best (and unfortunately most expensive) policies cover the widest range of potential disabilities.The Definition of DisabilityThe most important feature is the definition of disability. Disability insurance differs from life insurance in numerous ways, but none is more significant than in defining exactly when you become disabled (and when you become enabled again). The broader the definition of disability you get in your policy, the more the policy will cost.Unlike life insurance, where life and death are pretty black and white, disability has 50 shades of gray. You want a policy with a strong, broad definition of disability that will cover any possible type of disability? That means “true own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others. Even among the “Big 5,” there are slight differences. It is OK not to purchase the policy with the very best definition of disability, but the weaker the definition, the bigger the discount you should expect. Own-Occupation, Specialty-SpecificProbably the most important aspect of the definition for doctors is that it be specific to your occupation. For instance, if I lost my left thumb, there are a number of procedures in emergency medicine that I could no longer do. I would be completely disabled from managing a busy emergency department by myself. But I could probably still go do urgent care work. A specialty-specific definition of disability in my policy would provide me with my full disability payments in addition to the money I make at the urgent care. Sometimes, the “specialty-specific” clause is inherent to the policy, and at other times it is an additional rider (a piece of paper added to the policy for which you pay an additional premium). Either way, you almost surely want to get this in your policy. Here are the various definitions, starting with own occupation and progressing to any occupation.Own-Occupation DefinitionUnder this definition, your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field and make as much money as you want.Own-occupation policies cover people based on the occupational duties they are performing at the time of claim. If your policy includes an own-occupation definition of total disability and you are exclusively performing the customary duties of your medical specialty or sub-specialty at the time of the claim, the policy will cover you when unable to perform your specialty or sub-specialty. If you have transitioned into a different role or expanded into a new career path that requires much less direct patient contact or procedural duties, you may no longer be considered totally disabled when unable to work in your specialty or sub-specialty. This is because your “occupation(s)” involves additional material and substantial duties, no longer limited to the performance of your medical specialty or sub-specialty. In these instances, you may be considered partially disabled or not disabled at all, depending on the exact circumstances. Transitional Own-OccupationYour policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field. But if you exceed your previous income while you now work in another field, your monthly benefit from the policy would likely be lowered.Modified Own-OccupationYour policy will only pay if you can't work in your occupation/specialty AND if you are not working in another field. This definition is also sometimes called “Own-Occupation, Not Engaged” or “Own-Occupation, Not Working.”Any-OccupationYour policy will only pay if you cannot work in any occupation based on education, training or experience. Note that some policies are own-occupation for a couple of years and then transition to any-occupation.One company out there (Northwestern Mutual) sells a policy with a definition that they claim is BETTER than own-occupation. They call it Medical Own-Occupation, but in reality, it is just a form of modified own-occupation. Learn more about the NML Medical Own-Occupation Definition. Do You Really Need an Own-Occupation, Specialty-Specific Policy?Some non-procedural physicians argue that they might not need a true own-occupation policy. They reason that if they are so disabled that they cannot practice their specialty, they probably cannot do anything else. So, they accept a less broad definition of disability to save some dollars on the premium. If you choose to do this, make sure you understand the exact circumstances under which your policy will and will not pay out.Mental Disorders/Substance AbuseMany policies will only cover mental illness or substance abuse-related disabilities for a period of two years. I know an attorney who couldn't practice law after developing bipolar syndrome in his 30s. It took over a decade to get it under control. He had a policy that covered mental illness indefinitely, which prevented financial catastrophe from striking him and his family.According to the April 2011 issue of Current Psychiatry Magazine, physicians are not immune to depression and have an increased risk of suicide. Additionally, the lack of distinction between a psychiatric diagnosis and impairment stigmatizes physicians and impedes treatment. You'll need to decide whether this is a risk you're willing to run. If you want mental illness covered like every other illness, you'll be paying more. Presumptive Total DisabilityAs you well know, disability can be defined in many shades of gray. In the event of your disability, you can expect a paperwork fight between you, your physician, the disability insurance company, and maybe even your attorney. However, most policies contain a section that defines “presumptive total disability” where you can be assured there won't be much arguing from the insurance company. Even better, the waiting period will be waived and you'll start getting payments right away.Anything short of that, and you're going to have to get your doctor to certify your disability and get the insurance company to accept it. At times, this can involve visits to multiple specialists and even hiring an attorney. Note that with some companies, presumptive disability does not need to be permanent. Cosmetic Surgery/Transplant SurgerySome policies will cover you if your disability is the result of cosmetic surgery or the result of donating a kidney or other body part to someone else. Others will not. Best to read your policy carefully and know what it does and does not cover.Disability Insurance Exclusions & LimitationsDisability insurance policies generally exclude any medical conditions you have at the time of applying for insurance. For example, if you already have chronic back pain, the policy will not provide a benefit if you are disabled due to a back condition. In addition, if you admit to participating in dangerous activities such as scuba diving, rock climbing, flying, and sky-diving, the policy will likely be issued with a rider that excludes those activities from coverage. Other exclusions may also apply, such as acts of war, normal pregnancy, and foreign travel. Here is a list of common exclusions:
Residual DisabilityResidual disability refers to being only partially disabled. This may occur from the initial injury or illness or be part of the process of recovery. You generally need to buy an additional rider to cover this. Read this rider carefully, it can be a bit complicated.Imagine developing painful lumbar radiculopathy that keeps you from working more than 20 hours a week. This is the part of your policy that will cover that. This rider will also explain how much you get if you are partially disabled. My old policy says it pays the whole benefit (total disability) if I can't earn at least 20% of my “indexed prior monthly earnings,” which is basically the money I earn at my job. It doesn't count my investments, other disability income policies, rent from a rental property, or my nonvocational activities. It doesn't pay anything if my earnings aren't reduced at least 20%. If I am making between 20%-80% of what I made previously, I get the total disability benefit times the ratio of my loss of income for that month divided by my indexed prior monthly earnings. Note that with some companies, the partial disability rider will kick in at 15%. Some contracts use “or” in the contract and others use “and” in the contracxt. For instance, a stronger policy would trigger the partial disability rider if you had a loss of income or a loss of time or a loss of duty whereas a weaker contract would require loss of income and loss of time and loss of duty where all of those triggers must be met. Partial Disability vs. Residual DisabilityPartial disability and residual disability are generally considered to be the same thing, but there is a technical difference at some companies. For example, at one company, a partial disability rider requires total disability during the elimination period and the residual disability rider does not. With another company, partial refers to the disability, such as one that only affects one part of the body (such as one arm), while residual refers to a decrease in earnings. Either way, the key is to understand how the residual/partial rider works in the policy you actually purchase.Recovery BenefitsA physician should consider a contract that will continuing paying them a portion of their benefits upon recovery from a disability if their income continues to be down at least 15%-20%. Most carriers will pay a recovery benefit for the benefit period although one only pays for 12 months. This is especially important for practice owners. Think if a dentist were to be disabled for 6 months and then recovers and goes back to their practice. Many of their patients may have gone elsewhere because the dentist sees his patients twice a year. It could take several years to get back to where he/she was at before becoming disabled.Recommendations for Physicians on Disability Insurance RidersHere's an easy cheat card to help you know at a glance what we think about all of the various riders available.https://preview.redd.it/akf6t5iqfn0d1.png?width=800&format=png&auto=webp&s=3f8b415d0101d729fdfa51bc9147993309147d75 Who Needs Disability Insurance?Nearly every high-income professional in their first decade or two out of school should own a policy. Your most valuable asset is your ability to work. So, if you do not own a disability insurance policy, you need to go get one, now. If you have an income, it's time to buy a policy, even if money is tight as a resident. The only exception is if you do not rely on your income to live. If you are already financially independent, it's OK not to buy disability insurance. However, even if you are frugal and married to another high earner, you may wish to still have a policy. You could both become disabled, or you could become divorced.How Much Physician Disability Insurance Do I Need?As a resident, you typically cannot afford to buy as much as you need, but you should be able to do so even as a brand-new attending. Basically, you need to buy enough disability insurance to cover both your living expenses and your retirement savings if you were to work to age 65 but not your taxes. Physician disability insurance payouts are generally tax-free since they are usually paid with post-tax dollars.Note that how much you need has little to do with your income and everything to do with what you spend. The less you spend, the less insurance you need to buy. Insurance agents would love to sell you the largest possible policy (which usually works out to be about 2/3 of your gross income, but it is possible to combine two companies to get even more), so you'll need to decide how much you need on your own. Resident physicians typically buy a $5,000 per month benefit and attending physicians typically buy a benefit in the $10,000-$15,000 per month range, but there are plenty of docs who buy both more and less. If your plan in the event of disability is to rely on the income of your spouse, you may not need disability insurance at all. Average Cost of Disability Insurance for PhysiciansUnlike cheaper insurance policies like term life and umbrella policies, physician disability insurance is expensive, although not quite as expensive as your malpractice insurance. The reason it costs so much is it actually gets used. The likelihood of you acquiring a long-term disability during your working years is approximately seven times as high as your risk of dying in those years. A typical policy bought on a healthy doc in their 20s or 30s will cost something between 2%-6% of the benefit. If your monthly benefit is $10,000, expect to spend $200-$600 per month for that. Perhaps the sticker shock you get upon being quoted prices will motivate you to reach financial independence as soon as possible so you can cancel the policy.Graded vs. Level PremiumsOne way to save money on your policy is to get graded premiums. Not all policies offer this feature, but those that do will charge you less in the first few years and more in later years. Level premium policies charge you the same amount in premium every year. A graded premium policy accounts for the fact that you become more likely to become disabled as you go through life. However, it can be very beneficial to you because your need for insurance actually falls continually throughout your career as your build your retirement nest egg.Once you become financially independent, you can drop the insurance completely. This is a good idea since the total benefits a policy could potentially pay are also dropping throughout your life (since the policy will generally only pay until you are in your mid- to late-60s). Many white coat investors who are great savers hit financial independence by mid-career. If you are one of those, you are likely to come out ahead using graded premiums instead of level premiums. What Disability Insurance Discounts Are Available for Doctors?Like other types of insurance, disability insurance is sold by agents who are paid commissions by the insurance companies to sell their products. It is a very competitive business. The insurance companies want agents, especially the independent agents you should be buying from, to preferentially sell their products. To incentivize the agents, they offer discounts that are only available through certain agents. Experienced, high-volume agents can often provide you with the same policy at a cheaper rate than a newer, lower-volume agent. Thus, it pays to use an experienced agent and shop around with two or three of them. Nearly every doctor should qualify for some type of discount on their policy—10%-30% premium discounts are not unusual. Types of discounts include:
How Do I Buy Disability Insurance?The key to physician disability insurance is the independent agent. The agent is going to be paid a great commission by the insurance company no matter which policy you choose. Assuming policies with similar benefits, the commission isn't going to be all that different. Plus, these agents get plenty of business and none of them are starving, so they have little incentive to sell you an inferior policy for a slightly higher commission. Their reputation is worth far more than a few extra dollars in commission. Since you are (indirectly) paying the agent a very nice commission, don't feel bad about using their time and expertise to fully understand this complicated product.For most doctors, this is a purchase that is only done once or twice in their life. Have the agent quote you different physician disability policies from each of the “Big 5” companies and show you the strengths and weaknesses of each. If you have a policy from work or your professional association, bring it in with you and have it included in the comparison. Then, you can know you made an educated decision and you can buy it and forget about it. Also, be sure to ask for a discount. The vast majority of doctors will qualify for a 5%-30% association or employer-related discount, and a top-notch agent will help you get that. What Type of Disability Insurance Should I Buy?There are two main types of disability policies: individual policies and group policies. As a general rule, individual policies have stronger definitions of disability. Many group policies are not own-occupation policies. Individual policies are also portable, in that you can change jobs and take them with you.Individual Disability PolicyThere are a number of benefits of an individual policy. The main one is that you are in control of all the details. You get to choose how much insurance you want to pay for. You get to choose which of the bells and whistles you are going to pay for. The policy is also “portable,” meaning you still have it if you change employers (or if your employer just decides to change the policy). As a general rule, the policy is also “stronger,” meaning it is more likely to actually pay you if you get disabled.Group Disability PolicyA group policy provided by your employer is usually not portable, although sometimes you are allowed to take over the entire premium and take it with you. Group policies also frequently have premiums that increase every year or every five years, whereas an individual policy usually has level premiums. Group policies paid for by your employer may also pay a taxable benefit, rather than the tax-free benefit provided by an individual policy. Aside from the lower cost, the main benefit of a group policy is that it may be easier to qualify for. It may not require any sort of medical exam or blood work, and it may not ask any pesky questions about your medical conditions and dangerous hobbies such as rock climbing, skydiving, scuba diving, or flying.How to Compare Disability Insurance PoliciesThe most important feature is the definition of disability. You want a policy with a strong, broad definition of disability that will cover any possible type of disability. That usually means “own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others.Since disability is complicated, disability insurance policies are complicated. There are dozens of differences from one policy to another, making them difficult to compare. Use your independent agent for recommendations on what matters most. Just for an example, take a look at this chart of all the differences you could see between one policy and another. When to Buy Disability Insurance?You should buy disability insurance just before you become disabled. Since you don't know when that time could be, earlier is generally better. However, disability insurance is also expensive, and when you are young and poor, you have lots of other great uses for your money. A good compromise is to buy a small policy as you enter residency and then upgrade to a more robust disability insurance plan just before leaving residency. The younger you are, the healthier you are, and the fewer dangerous hobbies you engage in, the cheaper your premiums will be for the same benefit.Best Disability Insurance for PhysiciansI keep a list of those I consider the best disability insurance agents in the country. Save yourself the work of finding a good one you can trust and use the same agents that have been used by thousands of WCI readers in the past. You do not need someone local that you can sit down across the table from. It is better to have someone who has sold policies to hundreds of docs this year working with you by phone, Skype, Zoom, and email than someone you can sit down with who has only sold four policies. In addition, if there is some issue with one of these agents, I can usually help you resolve it quickly.Information in this space rapidly changes. While we try to keep The White Coat Investor website as up-to-date as possible, our recommended agents are going to be our best source for updated information. I cannot emphasize how strongly I suggest you use them, whether buying your first policy or simply reviewing what you already have. |