~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.

Hello redditors of antiMLM,
Just this week, I received an email from a relation advertising FOREVER—not to be confused with Forever Living. Searching through this sub, I found a few short references over the last years with little detail. In one, a commentor described FOREVER stating "as mlms go, it seems ethical." Every red light went off while I looked into these “FOREVER Ambassadors.” I then began a search, with much of the ultimate work done by my spouse. It took longer than seemed acceptable to identify this MLM for people who glanced over the internet. FOREVER is not listed on any of the MLM databases I could find from this sub or elsewhere. Based on the mandatory “FOREVER Ambassador Community” on Facebook, now 8 years old, at least 2,500 people have gotten into their clutches at some point (I haven’t linked because I think it might be against the sub rules).
Thus, for the benefit and enjoyment of the people, here are references for the community to identify a yet-another-multi-level-marketing scheme. I am a sarcastic person, so be forewarned. All sources were publicly available and required no logins or access.
TABLE OF CONTENTS
(1) Background of the FOREVER business model
(2) The FOREVER Ambassador program
(3) Costs of serving as an Ambassador
(4) Compensation advertised for Ambassadors
(4a) Income in cash from personal sales
(4b) The downline system used by FOREVER
(4c) Non-monetary-achievement compensation
(5) FOREVER Ambassador Business Training
(6) Conclusion down to brass tax on FOREVER
STUDY OF FOREVER
(1) Background of the FOREVER business model
FOREVER is an online service that advertises it can be a “permanent digital home that lasts for many generations.”[1] This is to be accomplished via a so-called “FOREVER Guarantee Fund” that invests to pay for digital storage for over 100 years.[1] Their website promises me that “permanent” is “not a buzzword”—I think that’s the Platonian ideal of a buzzword.[1] Regardless, this is not a quality review post.
(2) The FOREVER Ambassador program
The sellers used by FOREVER are called “FOREVER Ambassadors.”[2] As advertised, it looks like a classic MLM pitch. You can “earn up to 35%” commission” while having “the freedom to work from home, and the flexibility to make money on your own schedule.”[2] FOREVER lists various opportunities, such as “trainings” and the ability to “learn and grow with friends,” as well as “make life-long friends.”[2] As part of the “Meet our Team” webpage for corporate FOREVER, there are multiple “Executive Ambassadors” listed.[3] There is no barrier to entry on experience required to become an Ambassador.[4] I observed that, throughout the internet and on the FOREVER website, the vast majority of Ambassadors are women—as you know, many MLMs target women and moms.
(3) Costs of serving as an Ambassador
FOREVER has, at minimum, an “Annual Ambassador Fee” that is the primary cost to entry of the program.[2] For $179 a year, one would receive “back office tools,” various marketing materials, and “countless opportunities”—maybe money, but more on that soon.[2] There is a link to an Ambassador’s own selling website.[5, at 22] This Ambassador fee “is subject to change over time.”[5, at 25] There is also a FOREVER Merchandise store where Ambassadors can get their supplies.[6] These include a 40-pack set of catalogs for $44.99 and a $144.99 tablecloth for potential customers during in-person events.[6]
For Ambassadors, FOREVER advertises there are “free training events.”[5, at 25] Each year, for $399 in 2024, Ambassadors can attend the 3-day “FOREVER Live!” event.[7] It is in the destination getaway of… next to their headquarters in Pittsburgh, PA (I’m sorry Pittsburgh, you’re a beautiful city).[5, at 24] It is also possible to pay for a “p2P Virtual Party” and “p2P Live Events,” but is unclear what those mean.[5, at 5] Various “ranks” of Ambassadors receive a “monthly stipend” starting at $25 a month after $15,000 total in personal plus team sales a year.[5, at 9]
(4) Compensation advertised for Ambassadors
(4a) Income in cash from personal sales
FOREVER pays its Ambassadors based on a “cash sales” versus “full sales” system.[5, at 5] The too-long-didn’t-read summary is that some products are paid less commission than others because of “margin” of different products.[5, at 5–6] Critically, the Personal Commission Rate is where our story kicks into gear. At the bottom, an Ambassador who sells less than $2,000 a year in sales receives the windfall of a 15% commission.[5, at 7] The number rises to 34% once sales are $90,000 or greater in one year (I don’t know where the 35% from earlier went).[5, at 7] However, to earn the 20% commission or more once one passes the $2,000 sales amount requires completion of the “FOREVER Ambassador Business (FAB) Training.”[5, at 7] I read it, more on that later.
You might ask, “Is there a sales quota for FOREVER® Ambassadors?” FOREVER says “no.”[8] However, the less one does the less FOREVER pays Ambassadors for what they do (this chart is older than the Compensation Guide cited).[8]
(4b) The downline system used by FOREVER
Of course, while it took forever to reach here, we come to the “downline” process—FOREVER’s words, not mine.[9] FOREVER immediately identified that new Ambassadors “choose another Ambassador to mentor you as you grow your business” (I do not know if this means an upline).[2] Nevertheless, “Team Sales” are compensated by FOREVER down to the 5th Line.[5, at 9] If an Ambassador does not build a team, then they do not earn Team Commissionable Cash Sales Commissions.[5, at 9] FOREVER states that getting new Ambassadors “to sign up under your name” is how you help “further your business.”[9]
However, even if an Ambassador builds a team, they receive a very restricted downline compensation if they do not make a minimum of personal sales.[5, at 9] For future reference, an “Associate Ambassador,” the bottom, makes less than $2,000 and earns no downline sales.[5, at 9] An “Ambassador,” second to last, is the first rank with a downline commission (4% for 1st Line), requiring $2,000/personal a year.[5, at 9] To reach “Senior Ambassador,” third to last, and above, a FOREVER Ambassador must start earning exponentially greater amounts of personal plus team sales to rise in the “ranks.”[5, at 9] A Senior Ambassador requires $8,000/personal but $15,000/gross, and is the first to get 2nd Line commission (4% for 1st Line and 2% for 2nd Line).[5, at 9] It is unclear to me if “new members” must be recruited “each month” to rankup—the website says so, but I see it nowhere in the Compensation Guide.[8]
At the top of hierarchy, there become two “Executive Ambassadors.”[5, at 9–10] These ranks start at $28,000/personal and $250,000/gross a year.[5, at 9] As well, one must have at least three “Team Leaders” in their 1st Line.[5, at 10] Team Leaders refers to Ambassadors who have themselves reached the rank of “Associate Lead Ambassador” ($12,000/personal and $30,000/gross).[5, at 9] FOREVER advertises that the Executive ranks are for—and I am not making this up—those Ambassadors who are “grooming FOREVER Leaders on your team below you.”[5, at 10] Irony is dead folks.
(4c) Non-monetary-achievement compensation
Because being paid to work is overrated, FOREVER will also provide “Additional Benefits” to its various ranks. As an Associate Ambassador, you can join the aforementioned Facebook Group and hear the CEO talk on a monthly phone call.[5, at 11] Regular Ambassadors also get a certificate to put on their wall.[5, at 11] Senior Ambassadors get a standing ovation at FOREVER Live!—you can even be ovated on stage as an Associate Lead Ambassador (I would pay $179 a year to not).[5, at 13–14] My observation is that a lot of ranks mostly provide additional types of standing ovations at FOREVER Live! and reserved seats for dinners there.
But then you can reach the pinnacle of Everest (that much like the real one, other people just carry you up there): the Million Dollar Club.[5, at 20] For making $1 million in personal and team sales in a year, one will earn a single $10,000 dollar bonus.[5, at 20] If you are then a “top-performing Ambassador,” one can be taken on the “Achievement Gathering,” to Jamaica in 2024, to mill around with other top-performing Ambassadors—and the corporate staff.[5, at 24] There is no mention how many people earn it or how much must be earned.[5, at 24]
(5) FOREVER Ambassador Business Training
I mentioned earlier that Ambassadors must complete a “FAB” training to receive more than 15% in commissions.[5, at 7] To hit this post home, I wanted to identify some highlights. The FAB training has 5 Steps to reach regular Ambassador status.[10, at 4] These Steps include such activities as “Meet with your Upline” (Step 1), “Connect with your Upline” (Step 2), “Meet with your Upline” (Step 3), “Meet with your Upline” (Step 4), and “Meet with your Upline” (Step 5).[10, at 7, 10, 12, 14, 16] You also have to join the FOREVER Facebook group and any created by your Team (just “ask your Upline” to find it).[10, at 6–7] There’s a task in Step 2 to create an introductory “Share List,” with five lines each for “Friends,” “Teachers,” and your own “Parents/Grandparents.”[10, at 7–9] For an unclear number of hours, you must attend multiple weekly and monthly “training opportunities” and “calls.”[10, at 6–7, 10] And one last item, to rank up in FOREVER, you must register for an upcoming event.[10, at 12] As of writing, the only one listed on the linked webpage is the $399 FOREVER Live! conference.[11]
(6) Conclusion down to brass tax on FOREVER
I was unable to find an Income Disclosure Statement for FOREVER. However, basic math tells us that an Associate Ambassador, the bottom, can only earn up to $300 a year.[5, at 11] To reach regular Ambassador, which includes signing up and beginning all the time sinks listed above, the maximum personal commission is $1,200, in addition to whatever downline (however big those are on average).[5, at 11] Without a downline, even the top-bracket personal sellers are the only ones to earn more than $30,000 a year.[5, at 7] The Federal Reserve Bank of St. Louis estimates that the Real Median Personal Income in the United States for 2022 was $40,480.[12]
There is one way to make it with FOREVER: to build a downline. It’s a multi-level-marketing scheme, and no one should join it. Unless of course, you want to join my downline—I promise you'll be rich just like me.
LIST OF REFERENCES
[1] “Our Story,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/our-story
[2] “Become a FOREVER Ambassador,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/opportunity
[3] “Meet Our Team,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/our-story/team
[4] “What is required of me as a FOREVER Ambassador?,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/215823437-What-is-required-of-me-as-a-FOREVER-Ambassador
[5] Ambassador Compensation Guide, FOREVER (Jan. 31, 2024), https://www.forever.com/app/users/forevealbums/ambassador-kit/f3ii4wzeewd0nfwg4nb40kyw1/files/1043b0c6-de01-4aff-a1e3-83db7e6b1b17
[6] “FOREVER Merchandise,” FOREVER.com Ambassador Training (accessed May 18, 2024), https://www.training.forever.com/store
[7] “FOREVER Live! 2024,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/events/forever-live-2024
[8] “Is there a sales quota for FOREVER® Ambassadors?,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/215142548-Is-there-a-sales-quota-for-FOREVER-Ambassadors
[9] “Downline,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/221072448-Downline
[10] FOREVER Ambassador Business Training, FOREVER (May 14, 2024), https://www.forever.com/app/users/ambassador-training/albums/02-forever-ambassador-business-training-booklet/qcg622q43zy6835w9ojq3wkw/files/f0bd2387-bb14-43a2-a46d-344a91470147
[11] “Events,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/events
[12] “Real Median Personal Income in the United States,” Federal Reserve of St. Louis (accessed May 18, 2024), https://fred.stlouisfed.org/series/MEPAINUSA672N
POST EDITS
A few formatting errors and a minor phrasing correction.

Best Offshore Sportsbook for 2024

Offshore Sportsbooks: Competitive Odds, Diverse Markets, and Freedom to Wager

What Sets Offshore Sportsbooks Apart?
The landscape of sports betting is rapidly evolving, with offshore sportsbooks emerging as a compelling alternative for wagerers. But what exactly are they, and how do they differ from their state-licensed counterparts?
Offshore sportsbooks operate under licenses issued by international regulators, often situated in countries like Costa Rica, Curacao, or Panama. These licenses empower them to cater to customers across numerous jurisdictions, including the US. In essence, this translates to a broader regulatory framework compared to state-by-state restrictions.
Safety and Security: Top Priorities for Offshore Sportsbooks
Security is paramount for any online betting platform. Fortunately, reputable offshore sportsbooks prioritize this aspect. They undergo rigorous licensing procedures, compelling them to demonstrate fair play, robust security measures, and responsible customer protection protocols. This ensures a safe and secure environment for you to wager on your favorite sports.
Beyond the Basics: Unmatched Selection and Competitive Advantages
The best offshore sportsbooks go beyond merely replicating the offerings of state-licensed operators. They often provide a wider array of betting options, competitive odds, and potentially more lucrative bonuses and promotions. This translates to a more dynamic and potentially rewarding betting experience.
So, Are Offshore Sportsbooks Right for You?
The decision ultimately rests on your individual preferences and priorities. Offshore sportsbooks provide a compelling option for those seeking diverse betting markets, competitive odds, and the freedom to wager on their terms. However, it's crucial to choose well-established and reputable platforms that prioritize safety and fair play.

Why Bet at Offshore Sportsbooks

The allure of offshore sportsbooks is undeniable. But what exactly makes them so popular among bettors? Here's a breakdown of the key benefits that keep users coming back for more:

• Boosted Bankrolls: Bigger Bonuses & Regular Promos

Offshore sportsbooks are renowned for their generous bonuses and promotions. New user signup bonuses can reach into the thousands, especially when using cryptocurrency. Plus, there's a constant stream of ongoing promotions throughout the month, maximizing your betting potential.

• Fast and Secure Banking: The Power of Crypto

Cryptocurrency deposits and withdrawals are a staple at offshore sportsbooks. Enjoy the ease of swift transactions with minimal processing times, and in some cases, even instant payouts.

• Wagering Freedom: Available in Most States & No Geolocation Hassles

Unlike state-licensed operators, offshore sportsbooks bypass geolocation restrictions. This means you can wager freely from most US states, without any limitations.

• Keeping Your Winnings: No Taxes Withheld

Federal regulations require licensed operators to report winnings exceeding a certain threshold and withhold taxes accordingly. Offshore sportsbooks, however, don't report winnings to the IRS, leaving you in control of your tax obligations.

• Enhanced Odds: Lower Costs, Better Returns

Offshore sportsbooks benefit from lower operational costs due to the absence of state taxes. These savings translate into more competitive odds for you, potentially increasing your returns.

• Diverse Betting Options

Beyond the perks mentioned above, offshore sportsbooks often boast a wider selection of betting markets compared to their state-regulated counterparts. This allows you to place wagers on a broader range of events and explore new betting opportunities.

Offshore Sportsbook Bonuses: Bigger Bankrolls, Better Bets

Offshore sportsbooks have carved a niche in the betting landscape, and a major reason for their popularity lies in their enticing bonus structures. Unlike state-licensed operators, offshore sportsbooks offer a wider array of bonuses with significantly higher values. Let's delve into the treasure trove of bonuses that await you:

• Welcome Offers: A Kickstart for Your Betting Journey

Signing up at an offshore sportsbook unlocks a generous welcome bonus, typically a deposit match bonus. This bonus essentially matches a percentage of your initial deposit, potentially doubling your bankroll right from the start. Some welcome packages might even include free bets or bonus bets, further amplifying your betting power.

• Deposit Match Bonuses: Fueling Your Bets with Extra Cash

A staple in the world of offshore sportsbook bonuses, deposit match bonuses are straightforward and rewarding. The sportsbook matches your deposit by a predefined percentage, up to a specified maximum amount. For instance, a 100% deposit match bonus up to $500 would double your initial deposit, providing you with an extra $500 to wager on.

• No Deposit Bonuses: Free Money, Free Play

Considered the holy grail of sportsbook bonuses, no deposit bonuses are rare gems. These bonuses grant you free credit to use at the sportsbook, allowing you to place bets without risking your own funds. While the credit amount might be modest, it's a fantastic opportunity to try out the platform and potentially turn it into real winnings.

• Bonus Bets: Taking a Free Shot at Victory

Bonus bets, often part of welcome packages or bundled with deposit match bonuses, are essentially free wagers. Any winnings accrued from a bonus bet (minus the initial stake) are yours to keep. Imagine a $25 bonus bet that wins you $75; you'd pocket a cool $50 in profit!

• Ongoing Promotions: A Stream of Rewards for Loyal Bettors

The party doesn't stop at the welcome bonus. Offshore sportsbooks keep their customers engaged with a steady stream of ongoing promotions. These can encompass deposit bonuses, bonus bets, special event wagers, parlay offers, and the ever-popular odds boosts.

• Odds Boosts: Enhanced Profits for Savvy Bettors

Odds boosts elevate the potential payout on specific wagers, increasing your earning potential. These are typically offered for marquee events or specific bet types within an event or sport.

• Parlay Insurance: A Safety Net for Your Multi-Leg Wagers

A parlay bet combines multiple wagers (legs) into a single bet. Parlay insurance softens the blow of losing a parlay by just one leg. While you won't receive your full winnings, you might get your original stake or a portion of it back, mitigating your losses.

• Loyalty Bonuses: Reap the Rewards of Being a Regular

Engaging with a sportsbook's loyalty program unlocks exclusive bonuses not available to casual bettors. These bonuses can mirror any of the previously mentioned options or even extend to real-world rewards like tickets to sporting events.
By understanding and leveraging the diverse array of offshore sportsbook bonuses, you can significantly enhance your bankroll, explore new betting opportunities, and potentially maximize your profits. Remember to explore various sportsbooks and compare their bonus structures to find the one that best suits your betting preferences.

Offshore Sports Betting in the US: A Comprehensive Guide

The world of sports betting is rapidly evolving, and offshore sportsbooks have emerged as a compelling option for American bettors. But with so much information to navigate, it's crucial to understand the legalities, accessibility, and benefits of offshore wagering.
Is Offshore Sports Betting Legal in the US?
The legality of offshore sports betting hinges on two key factors:

• PASPA Repeal: In 2018, the Professional and Amateur Sports Protection Act (PASPA) was repealed, giving individual states the authority to regulate sports gambling within their borders. Many states have since legalized and launched their own sports betting markets.
• Federal Laws: There are currently no federal laws prohibiting US citizens from wagering at offshore sportsbooks. These entities operate under licenses issued by international gaming authorities, allowing them to serve customers in the US.

The Mobile Advantage: Betting on the Go
While you won't find dedicated apps for offshore sportsbooks, all our recommended operators offer seamless mobile betting through their websites. Simply visit the site on your smartphone or tablet, sign up, deposit funds, and start placing wagers. These mobile platforms are designed for optimal functionality and provide an experience comparable to dedicated apps.
Finding the Right Offshore Sportsbook
With numerous offshore sportsbooks catering to US players, choosing the best fit requires careful consideration. Here are some factors to keep in mind:

• Reputation and Licensing: Look for established sportsbooks with licenses from reputable gaming jurisdictions like Curacao. These licenses ensure fair play, security measures, and responsible gambling practices.
• Betting Markets and Odds: Explore the variety of sports and events offered, along with the competitiveness of the odds. Top offshore sportsbooks boast a wide range of markets and attractive odds for bettors.
• Bonuses and Promotions: Take advantage of generous welcome bonuses, reload promotions, and ongoing loyalty programs to maximize your bankroll and potential returns.

Some of the highly-rated offshore sportsbooks for US players include BetOnline, Everygame, Bovada, BetWhale, and TG Casino. Popular alternatives encompass Jazz Sports, SportsBetting.ag, BetUS, and BetNow.
Taxes and Reporting:

• Offshore Sportsbooks: Offshore sportsbooks themselves do not report winnings to the IRS. However,
• US Taxpayers: It's your responsibility to report gambling winnings to the IRS and your state tax authorities. Consulting a tax professional is recommended to ensure compliance with all applicable regulations.

Funding Your Bets: Payment Methods
Offshore sportsbooks typically provide two main deposit and withdrawal options:

• Cryptocurrency: Cryptocurrencies like Bitcoin, Ethereum, and Litecoin offer fast, fee-free transactions (excluding minimal mining fees) and eliminate the need for third-party involvement.
• Traditional Methods: Credit/debit cards are convenient but may incur fees and are not always suitable for withdrawals. Bank wire transfers are another option, but often come with high processing fees.

Important Note: As of now, offshore sportsbooks do not accept PayPal or other popular eWallets (Neteller, Skrill) due to limitations imposed by these payment processors.
By understanding the legalities, mobile accessibility, key considerations for choosing a sportsbook, and payment methods, you can confidently navigate the world of offshore sports betting in the US. Remember to gamble responsibly and always prioritize licensed and reputable platforms.

Ready to Start Betting?

Top Offshore Sportsbooks for 2024

1. Bovada – Best Online Sportsbook for US customers

• Why #1: Closest offshore site to Fanduel & Draftkings
• Founded: 2011
• Licensed by: Curacao
• Payment Methods: 6+ cryptocurrencies, credit/debit cards, courier, wire transfer, vouchers
• Withdrawal Speed: Instant to 24h
• Restricted States: DE, MD, NV, NJ, NY
• Promo Code: BTCSWB750 = 75% First Deposit Bonus to $750

See current Bovada new customers promotions HERE

2. MyBookie – Fast mobile betting & lots of promotions

• Why #2: Prop bets and more props added constantly
• Founded: 2014
• Licensed by: Curacao
• Payment Methods: 10 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 48-72 hours
• Restricted States: DE, MD, NV, NJ, NY
• Promo Code: CRYPTO100 = 100% Bonus to $1,000

See current MyBookie new customer promotions HERE

3. SportsBetting.ag – Operates in all 50 states

• Why #3: 100% welcome bonus & travel anywhere & still bet
• Founded: 2003
• Licensed by: Panama Gambling Control Board
• Payment Methods: 15+ cryptocurrencies, credit/debit cards, person2person, money orders, wire transfers, checks
• Withdrawal Speed: 24-48 hours
• Restricted States: None
• Promo Code: DOUBLEUP = 100% Bonus to $500 use 2x

See current Sportsbetting ag new customer promotions HERE

4. BetOnline – Clone of Sportsbetting ag but not as good of a welcome bonus

• Why #4: Casino, poker, esports, racebook - bet everything
• Founded: 2001
• Licensed by: Panama Gaming Commission
• Payment Methods: 15+ cryptocurrencies, credit/debit cards, money orders, wire transfers
• Withdrawal Speed: Instant to 48h
• Restricted States: NJ
• Promo Code: CRYTPO100 = 100% Bonus to $1,000

See current BetOnline new customer promotions HERE

5. XBet – MyBookie clone for lower limit bettors

• Why #5: Lower limits & rewards program designed for smaller bettors
• Founded: 2014
• Licensed by: Curacao
• Payment Methods: 10 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 48 hours
• Restricted States: NY, NJ, NV, PA
• Promo Code: XBET50 = 50% First Deposit Bonus to $500

See current XBET new customer promotions HERE

These last two Sportsbooks are more for higher limit bettors

1. BetUS – High limits on sides and totals

• Why #1: If you want to make a living betting you need high limits
• Founded: 1994
• Licensed by: Curacao
• Payment Methods: 4 cryptocurrencies, credit/debit cards, cash transfers, wire transfers, ewallets
• Withdrawal Speed: 24-48 hours
• Restricted States: None
• Promo Code: JOIN200 = 200% up to $5,000

See current BetUS new customer promotions HERE

2. BUSR – High limits and a $2,500 welcome bonus

• Why #2: US focused on major sports and horse betting
• Founded: 2020
• Licensed by: Curacao
• Payment Methods: 4 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 72 hours
• Restricted States: None
• Promo Code: SPORTS100FP = 100% First Deposit Bonus to $1,500

See current BUSR new customer promotions HERE
For more sports, casino, poker and other online gaming promotions from top offshore casinos.
Visit XSportsbook https://xsportsbook.com/bonuses/

I've Been Doing a Lot of Whatever the Fuck I Want Lately and I Like It
It's the day of Ayonna's Zoom court hearing so she's thinking about survivalist jailhouse makeup hacks. They've improved since women used to use scraped paint chips off their cell walls as face powder, dampened red paper as rouge, permanent markers for eyebrow pencils, Kool-Aid doubling as hair dye and blush, and M&Ms as lipstick because deprivation causes innovation for self-preservation. That and Jamahl's excruciatingly murky explanation of his 2-year wedding day gap even though he's as open a book as a text at a class final that provides no specific answers to a general essay question. It's not that he wants to delay a ceremony displaying his love for Shellfish publicly; it's about financing a befittingly royal wedding for the ghetto version of Prince Charles and the late Diana Spencer to whom the masses must bow down, and that includes the judge who simply doesn't understand the trials and tribulations of a multi-tasking single mother with behavioral problems negotiating her child's breakfast.
Court: . . . will continue matter until she can show up in court next week since we are clearly inconveniencing her. 🙄
Ayonna: I'm just a single mother with no help. You're not going to tell me I can't feed my daughter; that's never going to happen. Is it ok if I give my daughter breakfast?
Court: We are in court here. This is a court proceeding. ⚖️
Ayonna: Ok. Just be hungry. 😏
Four years probation because the judge's gnarly attitude is taking it out on me? Girl, what are you talking about? Bitch, you're gonna' tell me I can't feed my daughter? She can kiss my ass! I'm livid. Livid! 🤬
Jamahl: At the end of the day filled with dickheads, we still gotta' bite our tongues.
I'm not selfish; I've just decided that taking your feelings into consideration is too much damn work.
Keep Your Head High and Your Middle Finger Higher
For someone more accustomed to being abused than amused, Candice has said "I love you" to Andrew more times than the repetitive phrase, turn down for what, in the party anthem by DJ Snake and Lil Jon of the same name. While Andrew, true to his word, kneels and immediately proposes, Candice hesitates, and in that moment, resembles a raw double-chinned Pillsbury dough girl with an unnatural sheen, a face too sunken in its gravity to show happiness, and sad raisin eyes reflecting physical distress. But Andrew doesn't clock any of this; he's carrying out his promise to Candice's mom in a dream he made up though she has more eyes on her truck as she doubtless recalls her fond days of street racing, driving without a license, attempted stolen vehicle, felony burglary and constantly running from the police. If she were wearing cargo pants, she could stuff them with the faux Louis Vuitton handbag contents to savor as she completes her halfway house program so she can change addresses. If he could see past his own needs, he'd notice she was trying to figure where the hell he got the idea she cared. If I've cut you, it's because you handed me the scissors.
Patience: What You Have When There Are Too Many Witnesses
Joey is taking advice from Minerva, a sex columnist who looks like Chris Farley in drag who was super stoned and wandered into the backrooms of "Saturday Night Live" for a costume change and makeup refresh before rehearsing his Fellatio 101 sketch outlined on a chalkboard: Watch amateur porn for tips. Practice dirty talk. Get excited about being excited. Use both hands simultaneously and don't bogart that spit. Don't forget, steady wins the race. Freshen up before getting online and spending money for a rented motel room far away from your parents so you can have 15 minutes of precious sexy time before your monogamous lover warns you to deactivate your online profile that his friend saw. Hey, I found your nose; it was in my business.
The King Eats First
Once again, the kids are savvier than their parents. A striking Cheyenne and Nehemiah adjust their schedules to Rob's extended sentence that Tennie tries to embroider in her naïveté while every family member is worried about their displacement when Rob physically enters the picture even though he's already there in camera spirit. It's a which-came-first-the-chicken-or-the-egg question - is it a good thing the alpha male has streams-of-revenue for Tennie's shopping jones or is she shopping because she's worried about getting with an alpha male? He's a poker king like Marcelino making 6-7K a month in jail even though online playing for real money is prohibited, and I doubt his pod mates have that kind of extra cash regularly available. Any man in this day and age who can tell a woman to "sit down and be cute" must have it figured out as a lion doesn't care about a sheep's opinion. I bring too much to the table to be treated like a napkin.
Does One of Your Balls Hang Lower Than the Other?
Rick looks like a twig the wind blew off a tree or a stranded lost lamb in a field surrounded by hungry landlocked predators looking for a banquet. Sandy is sending him pictures of the reunion to remind him of her existence while 4x-married Samantha is positioning herself to long-distance bullrope and hog tie her bachelor into a ball-and-chain before he has time to think about how he's going to stretch a rigorously set pension into providing her commissary and visitation requests. His pickleball buddy, Dan, doesn't really give a damn; it's only his nieces who are rightfully tut-tutting her dictatorial attitude and snarking, "Fifth time is a charm." "Maybe I do have options," Rick muses, but then turns around and crows, "She builds me up." Sure, right after she shakes him up - like a snow globe. It ain't what you don't know that gets you in trouble; It's what you know for sure that just ain't so.

Hey guys, looking to get some 2nd and 3rd opinions on a financial plan for the next few years.
33m and will be in the black this year for the first time. Simultaneously coming into some money through family that will wipe out the last bit of my car loan and top up my RRSP, FHSA and TFSA. So now I'm considering what to do with my incoming savings and tax refunds.

• 90k salary, ~1.5k savings per month after necessary and discretionary expenses
• Work RRSP and stock purchase matching programs already maxed starting this year
• TFSA (150k) and FHSA (8K) soon to be maxed out, mainly invested in blue-chip CAD stocks.
• RRSP (100k total) soon to be topped up by 70k, also in big CAD stocks, maybe an ETF or two.
• Will start by putting 6-10k in Wealthsimple cash (4% interest) as liquid/emergency savings
• Common-law Partner will be going back to school soon and I will probably to contribute more to rent/groceries. Tuition and expenses will either be paid for thru scholarships/grants, family, or in 0% interest student loan.
• Partner has very little/nothing in her RRSP/TFSA/FHSA, but negligible debt (just some 0% student loans from undergrad).

So, after building the emergency fund, what to do with the large cash influx over the next few years as I claim the RRSP contributions on my taxes... Obviously each year the priority will be topping up my registered accounts.
It would be nice to have some higher-risk investments that we could cash out for discretionary purposes, like a vacation, or to help my partner nuke her 0% student loans after she's done grad school. Does it make the most sense to put a bunch of money into her TFSA for this purpose?
I assume there's no point doing any investment in a non-registered account while there's still room in her TFSA?
Buying a house isn't on the horizon unless the housing market and interest rates both crater.

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CALCULUS HELP:

• I am well-versed in helping students do well in Calculus I, II & III, Calculus 1, 2 & 3, Business Calculus, Multivariable Calculus, Vector Calculus and I am very knowledgeable and proficient in the following calculus topics in alphabetical order:
• Absolute & Local Maximum and Minimum Antiderivative Area & Volume Chain Rule Concavity Continuity Convergence Test Critical Points Curvature Curve of Rotation Curve Sketching Derivatives Divergence Test First & Second Derivative Test Fourier Series Implicit Differentiation Increasing / Decreasing Functions Infinite Series Integrals Integration by Parts Jacobian Matrix Limits L’Hopital’s Rule Maclaurin Series Mean Value Theorem Partial Derivative Product & Quotient Rule Reiman Sum Related Rates Simpson’s Rule Solid of Revolution Substitution Rule Taylor Series

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ATTRIBUTES THAT SET ME APART FROM OTHER TUTORS:

• I firmly believe that I have many attributes and skills that set me apart from other tutors. Below is a list of qualities that makes me an ideal fit to help you master your coursework:

I CAN AID STUDENTS TAKING PROCTORED ASSESSMENTS:

• Proficient in CollegeBoard AP Calculus AB, AP Calculus BC & AP Statistics exams.
• Skilled with International Baccalaureate Math Exams: IB Maths HL & IB Maths SL
• Can intentionally answer a few problems incorrectly at the student's request.
• Can text solutions to the student while they are taking a proctored exam.
• Upon request, can purposely obtain grades below an A (ex: B+, B, C+, C-).
• I can stretch out the time to a plausible length for timed exams and assignments before submitting them.
• Have reliable software that can change my IP address to match the closest major city near the student.
• I have exceptional multiple-choice exam-taking skills. I have mastered the various techniques to make calculated guesses for the correct option in standardized exams such as the SAT & GRE.

I CAN VERIFY MY ACADEMIC KNOWLEDGE & SKILLS:

• I have no problem with requests to solve sample problems upfront to prove my knowledge & proficiency of the course concepts.
• I can provide glowing references & strong examples of work done for past clients to verify my academic skills.
• I can also provide, upon request, complete detailed calculations with explanations for solutions to the problems worked on.
• I am quite skilled and adept in using multiple modernized educational platforms and software, including but not limited to: Brightspace MyStatLab D2L WebAssign Canvas MyMathLab Blackboard ALEKS
• Can format term papers and discussion posts in APA MLA Harvard Chicago Vancouver OSCOLA IEEE format.

I HAVE PAID ACCESS TO OVER 15 STUDY-HELP WEBSITES AND MATHEMATICAL SOFTWARE:

• I have multiple paid subscriptions to a wide range of academic tutoring resources, including Chegg, Quizlet, CourseHero, Brainly, Grammarly, Study. com, Bartleby, Slader, Transtutors, Slideshare, StudocU, Turnitin, Academia, SymboLab, WolframAlpha, and Scribd to help guide to solve exam & homework questions that I may not immediately know.
• However, I am smart enough not to blatantly plagiarize solutions online but instead write them in my own unique words, formatting, & mathematical terminology.
• I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
• I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, or PDF formats.

MY AVAILABILITY & RELIABILITY:

• Depending on my availability, I can accommodate immediate tutoring requests, 1-24 hour, and 1-30-day deadlines.
• I can schedule live real-time online sessions and meet deadlines in an impressively timely fashion.
• I can provide quick notifications and updates of progress made in the student's class via email text phone calls.
• I can also be available to tutor students for Fall 2021 Spring 2022 Summer 2022 semesters.

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• I am very knowledgeable and well-versed in a wide range of educational software to tutor students in including but not limited to: Acellus ALEKS APEX Learning Aplia Blackboard Brightspace Canvas Cengage CengageNow Connect ConnectMath Connexus CPM D2L Discord Edmentum Eviews Examity Excel Hawkes Learning Honorlock Khan Academy Knewton LimeSpring Lumen Maple MasteringChemistry MasteringPhysics MathXL (XL) MATLAB McGraw-Hill Microsoft Word Minitab Moodle MyAccountingLab MyEconLab MyITLab MyLab My Lab MyMathLab My Math Lab MyOpenMath MyPsychLab MySocLab MyStatLab My Stat Lab NCSS Open Source Software Pearson PERT PlatoWeb PowerPoint Prezi R Respondus Lockdown Browser with Webcam Sapling SPSS Stata StraighterLine Straighter Line WebAssign Web Assign Webex (Cisco) WebWork Wiley WileyPlus Wonderlic Zoom

SCHOOLS FROM WHICH I'VE HELPED STUDENTS IN :
As of 2021, I have tutored and helped students enrolled at the following U.S. universities community colleges county & city colleges schools for-profit institutions listed below in alphabetical order:

• A - C: American Public University System (APUS) Arizona State Ashford Brigham Young Brown Broward California State (Fullerton) Capella Chamberlain (Illinois) Colorado Technical Columbia Columbia Southern Cornell
• D - K: Dallas College Dartmouth DeVry Excelsior College Florida International Florida State Full Sail Georgia State Grand Canyon Harvard Houston Community College Ivy Tech Community College Kaplan Kennesaw State Kent State
• L - T: Liberty Lone Star College System Kaplan Miami Dade Michigan State CUNY State University of New York (SUNY) Northern Virginia Ohio State University of Phoenix (UOP) Penn State Princeton Purdue (Davenport) San Diego State San Francisco State San Jose State Southern New Hampshire Southern Nevada Stanford St. Petersburg Strayer Texas Tech
• UNIVERSITY OF: Alabama Arizona California (UC) Central Florida Chicago Cincinnati Florida Houston Illinois (Urbana-Champaign) Iowa Maryland Minnesota Michigan North Texas Pennsylvania Southern Florida Texas Toronto
• U - Z: UCLA Extension Utah State Utah Valley Valencia Walden U Wake Technical Western Governors Wilmington Yale

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
I OFFER FLEXIBLE PAYMENT PLANS:

• I offer several unique payment plans, including a weekly plan, a discounted monthly plan, a discounted half-now / half-later plan, and highly discounted up-front rates.
• I can accept the following payment methods for my services: PayPal Debit Cards Square Cash Credit Cards Cash App Venmo.
• Only people located in North America have access to Venmo Cash App Zelle.
• This is an excellent way to determine if the person you're dealing with is from the United States.
• Within reason, I offer a partial or full money-Back guarantee if the student is very unsatisfied with my academic services.

TUTORING AVAILABLE FOR OTHER SUBJECTS:

• For other subjects, you can reach out to me, and I can connect you with one of my tutoring partners who can provide general academic assistance for the following subjects:
• Art & Design: Art History Design Film Studies
• Business: Accounting (Acc) Biz Courses Business Administration (Biz Admn) Business Calculus Business Law Business Statistics Corporate Finance Economics (Econ) Finance (Fin) Financial Accounting Intermediate Accounting Intermediate Microeconomics (Micro) Macroeconomics (Macro) Management (Mgmt) Managerial Accounting Marketing MBA
• Computer Science: C C++ Computer Programming (Comp) Java Python R (Introduction & Intermediate Level Only)
• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
• Mathematics: A.P. Calculus AB & BC Psychology Statistics AP Statistics Bio statistics Calculus I (1) Calculus II (2) Calculus III (3) College Algebra Differential Equations Discrete Math Finite Math Functions General Math Geometry Liberal Arts Math Linear Algebra Multi-variable Calculus Partial Differential Equations Precalculus Probability Quantitative Reasoning Real Analysis Statistics Trigonometry (Trig) Vector Calculus
• Science & Medicine: Anatomy & Physiology (A & P) Biochemistry Biology (Bio) Biostatistics Earth Science Environmental Science General Chemistry (Chem) Healthcare Medicine Nursing Nutrition Organic Chemistry Physics (Phys)
• Social Sciences: Anthropology Economics (Econ) Geology Law & Justice Liberal Arts Liberal Studies Political Science Psychology Sociology

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• 1) Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, accent, diction, dialect, regionalisms, pitch, vocabulary, word choice, intonations, and inflections.
• NOTE: I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• 2) Agree to do some homework questions of yours upfront with the work fully shown in real-time to prove my mastery of the course content.
• 3) Send you screenshots of at least five past scores I attained from completing exams & homework assignments for other students in the same type of class you need help with.
• 4) Send you full screenshots of written exam solutions I wrote up by hand for students in the past in the same course that you need help with so that you can see my neat handwriting.
• 5) Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes. Why choose low-income victims when it would be much more profitable to target high-income, high-net-worth individuals earning at least six figures a year? I have knowledge in business consulting, and I promise you that a business owner would be a MUCH more lucrative mark than a low-income college student.
• I wouldn’t choose such a time & energy-draining method of scamming people. Also, communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine. This means that 90% of my time communicating with potential clients ultimately proves to be a colossal waste of my irretrievable time & energy.
• If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now. And I would have been permanently banned from opening new accounts. Therefore, the fact that all my payment apps have been fully active for years should be sufficient proof that I haven’t had people consistently disputing payments sent to me.

HOW TO CONTACT ME:
Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641

• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
• Please feel free to contact me if you're interested in my services and would like to learn more. I'm available 24/7 via phone call, email, and text. Again, thank you for taking the time to read my Reddit tutoring ad, and I hope to hear from you soon!

My contact details:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
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If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ASSESSMENTS I CAN COMPLETE:

• Online Courses (1 - 20 Weeks Long)
• Homework Assignments
• Exams Quizzes Tests
• Excel Projects
• Discussion Forum Posts
• Research Papers Term Papers Essays
• Employment Assessments

MY MATH SUBJECTS OF EXPERTISE:
I am very knowledgeable and proficient in assisting students in a wide range of mathematics classes. I can help students complete their homework assignments and other projects get an A on quizzes, tests, and exams (including proctored assessments) answer online discussion posts write essays & papers in MLA APA Chicago format and provide general overall academic help in each math course listed below:

• Advanced Placement Honors High School Level Math
• AP Calculus AB A.P. Calculus BC
• AP Statistics
• Biostatistics Bio-Statistics
• College Algebra Intermediate Algebra
• Business Calculus
• Business Statistics
• Business Math
• Calculus I Calculus II Calculus III (Calc)
• Geometry
• International Baccalaureate (IB) Maths
• Liberal Arts Math
• Logic & Reasoning
• Multivariable Calculus Multi variable Calculus
• Precalculus Pre-calculus
• Probability & Statistics
• Psychology Statistics Psych Stats
• Quantitative Reasoning Quantitative Methods Quantitative Literacy (Quant)
• Statistics (Stats)
• Statistics for Social Sciences
• Trigonometry (Trig)

STATISTICS HELP (MY BEST SUBJECT):

• I have a master's degree in Applied Statistics from a university in New Jersey, USA. As a result, I am very proficient in helping students with various types of Statistics courses including Biostatistics Business Statistics Elementary Statistics Probability & Statistics Psychology Statistics.
• I have extensive knowledge and skill with helping students get through various statistical concepts including all of the following in alphabetical order:
• ANOVA Bar Graph, Boxplot, Dot Plot, Histogram, Pie Chart Bias Binomial, Exponential, Poisson, Gamma, Uniform Distribution Central Limit Theorem Chi-Square Test Coefficient of Determination (R^2) Conditional & Relative Probability Confidence Interval Correlation Coefficient (r) Critical Region Critical Value Descriptive & Inferential Statistics Effect Size Expected Value Experiment vs Observation Goodness of Fit Test Hypothesis Testing Interpolation & Extrapolation Interquartile Range (IQR) Kurtosis Left, Negative, Right, Positive Skewed Distribution Logistic Regression Mean, Median, Mode, Midrange Multiple Regression Nominal, Ordinal, Interval, Ratio I Population Parameter Normal, Symmetric & Bell Shaped Distribution Null & Alternate Hypothesis One & Two Sample T-Test One & Two Sample Z-Test Ordinary Least Squares Outliers P-Value Pooled Variance (Equal Variances) Proportion R^2 Range Regression Regression Line Reject & Fail to Reject Ho Relative & Cumulative Frequency Distributions Relativity & Reliability Right, Left, One, Two Tailed Tailed Hypothesis Test Sample Statistics Sampling Methods (Convenience, Stratified, Simple, Cluster, Systematic) Significance Level (1%, 5%, 10%) Skewness Standard Deviation& Variance T-Score Test Statistic Time Series Type I & Type II Errors Unbiased Estimators Z-Score

ALGEBRA HELP:

• I am well-versed in helping students do well in Algebra 1 & 2 College Algebra Intermediate Algebra Pre-Algebra and I am very knowledgeable and proficient in the following algebra topics in alphabetical order:
• Absolute Values Circle Equation Domain Exponents Graphing Horizontal & Vertical Asymptotes Inequalities, Equations & Functions Inverse Functions Linear, Exponential, Logarithmic, Quadratic Equations Logarithms Maximum & Minimum Values of a Graph Number Lines One-to-One Functions Parallel & Perpendicular Lines Plotting Points & Ordered Pairs Point-Slope Form Polynomial Division Polynomials Radicals Range Rational & Irrational Expressions Rational Functions Real Roots Real Zeros Relations & Functions Slope Slope-Intercept Form Square Roots Standard Form of a Line System of Equations System of Inequalities Variables X and Y Intercepts

CALCULUS HELP:

• I am well-versed in helping students do well in Calculus I, II & III, Calculus 1, 2 & 3, Business Calculus, Multivariable Calculus, Vector Calculus and I am very knowledgeable and proficient in the following calculus topics in alphabetical order:
• Absolute & Local Maximum and Minimum Antiderivative Area & Volume Chain Rule Concavity Continuity Convergence Test Critical Points Curvature Curve of Rotation Curve Sketching Derivatives Divergence Test First & Second Derivative Test Fourier Series Implicit Differentiation Increasing / Decreasing Functions Infinite Series Integrals Integration by Parts Jacobian Matrix Limits L’Hopital’s Rule Maclaurin Series Mean Value Theorem Partial Derivative Product & Quotient Rule Reiman Sum Related Rates Simpson’s Rule Solid of Revolution Substitution Rule Taylor Series

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ATTRIBUTES THAT SET ME APART FROM OTHER TUTORS:

• I firmly believe that I have many attributes and skills that set me apart from other tutors. Below is a list of qualities that makes me an ideal fit to help you master your coursework:

I CAN AID STUDENTS TAKING PROCTORED ASSESSMENTS:

• Proficient in CollegeBoard AP Calculus AB, AP Calculus BC & AP Statistics exams.
• Skilled with International Baccalaureate Math Exams: IB Maths HL & IB Maths SL
• Can intentionally answer a few problems incorrectly at the student's request.
• Can text solutions to the student while they are taking a proctored exam.
• Upon request, can purposely obtain grades below an A (ex: B+, B, C+, C-).
• I can stretch out the time to a plausible length for timed exams and assignments before submitting them.
• Have reliable software that can change my IP address to match the closest major city near the student.
• I have exceptional multiple-choice exam-taking skills. I have mastered the various techniques to make calculated guesses for the correct option in standardized exams such as the SAT & GRE.

I CAN VERIFY MY ACADEMIC KNOWLEDGE & SKILLS:

• I have no problem with requests to solve sample problems upfront to prove my knowledge & proficiency of the course concepts.
• I can provide glowing references & strong examples of work done for past clients to verify my academic skills.
• I can also provide, upon request, complete detailed calculations with explanations for solutions to the problems worked on.
• I am quite skilled and adept in using multiple modernized educational platforms and software, including but not limited to: Brightspace MyStatLab D2L WebAssign Canvas MyMathLab Blackboard ALEKS
• Can format term papers and discussion posts in APA MLA Harvard Chicago Vancouver OSCOLA IEEE format.

I HAVE PAID ACCESS TO OVER 15 STUDY-HELP WEBSITES AND MATHEMATICAL SOFTWARE:

• I have multiple paid subscriptions to a wide range of academic tutoring resources, including Chegg, Quizlet, CourseHero, Brainly, Grammarly, Study. com, Bartleby, Slader, Transtutors, Slideshare, StudocU, Turnitin, Academia, SymboLab, WolframAlpha, and Scribd to help guide to solve exam & homework questions that I may not immediately know.
• However, I am smart enough not to blatantly plagiarize solutions online but instead write them in my own unique words, formatting, & mathematical terminology.
• I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
• I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, or PDF formats.

MY AVAILABILITY & RELIABILITY:

• Depending on my availability, I can accommodate immediate tutoring requests, 1-24 hour, and 1-30-day deadlines.
• I can schedule live real-time online sessions and meet deadlines in an impressively timely fashion.
• I can provide quick notifications and updates of progress made in the student's class via email text phone calls.
• I can also be available to tutor students for Fall 2021 Spring 2022 Summer 2022 semesters.

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• I am very knowledgeable and well-versed in a wide range of educational software to tutor students in including but not limited to: Acellus ALEKS APEX Learning Aplia Blackboard Brightspace Canvas Cengage CengageNow Connect ConnectMath Connexus CPM D2L Discord Edmentum Eviews Examity Excel Hawkes Learning Honorlock Khan Academy Knewton LimeSpring Lumen Maple MasteringChemistry MasteringPhysics MathXL (XL) MATLAB McGraw-Hill Microsoft Word Minitab Moodle MyAccountingLab MyEconLab MyITLab MyLab My Lab MyMathLab My Math Lab MyOpenMath MyPsychLab MySocLab MyStatLab My Stat Lab NCSS Open Source Software Pearson PERT PlatoWeb PowerPoint Prezi R Respondus Lockdown Browser with Webcam Sapling SPSS Stata StraighterLine Straighter Line WebAssign Web Assign Webex (Cisco) WebWork Wiley WileyPlus Wonderlic Zoom

SCHOOLS FROM WHICH I'VE HELPED STUDENTS IN :
As of 2021, I have tutored and helped students enrolled at the following U.S. universities community colleges county & city colleges schools for-profit institutions listed below in alphabetical order:

• A - C: American Public University System (APUS) Arizona State Ashford Brigham Young Brown Broward California State (Fullerton) Capella Chamberlain (Illinois) Colorado Technical Columbia Columbia Southern Cornell
• D - K: Dallas College Dartmouth DeVry Excelsior College Florida International Florida State Full Sail Georgia State Grand Canyon Harvard Houston Community College Ivy Tech Community College Kaplan Kennesaw State Kent State
• L - T: Liberty Lone Star College System Kaplan Miami Dade Michigan State CUNY State University of New York (SUNY) Northern Virginia Ohio State University of Phoenix (UOP) Penn State Princeton Purdue (Davenport) San Diego State San Francisco State San Jose State Southern New Hampshire Southern Nevada Stanford St. Petersburg Strayer Texas Tech
• UNIVERSITY OF: Alabama Arizona California (UC) Central Florida Chicago Cincinnati Florida Houston Illinois (Urbana-Champaign) Iowa Maryland Minnesota Michigan North Texas Pennsylvania Southern Florida Texas Toronto
• U - Z: UCLA Extension Utah State Utah Valley Valencia Walden U Wake Technical Western Governors Wilmington Yale

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
I OFFER FLEXIBLE PAYMENT PLANS:

• I offer several unique payment plans, including a weekly plan, a discounted monthly plan, a discounted half-now / half-later plan, and highly discounted up-front rates.
• I can accept the following payment methods for my services: PayPal Debit Cards Square Cash Credit Cards Cash App Venmo.
• Only people located in North America have access to Venmo Cash App Zelle.
• This is an excellent way to determine if the person you're dealing with is from the United States.
• Within reason, I offer a partial or full money-Back guarantee if the student is very unsatisfied with my academic services.

TUTORING AVAILABLE FOR OTHER SUBJECTS:

• For other subjects, you can reach out to me, and I can connect you with one of my tutoring partners who can provide general academic assistance for the following subjects:
• Art & Design: Art History Design Film Studies
• Business: Accounting (Acc) Biz Courses Business Administration (Biz Admn) Business Calculus Business Law Business Statistics Corporate Finance Economics (Econ) Finance (Fin) Financial Accounting Intermediate Accounting Intermediate Microeconomics (Micro) Macroeconomics (Macro) Management (Mgmt) Managerial Accounting Marketing MBA
• Computer Science: C C++ Computer Programming (Comp) Java Python R (Introduction & Intermediate Level Only)
• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
• Mathematics: A.P. Calculus AB & BC Psychology Statistics AP Statistics Bio statistics Calculus I (1) Calculus II (2) Calculus III (3) College Algebra Differential Equations Discrete Math Finite Math Functions General Math Geometry Liberal Arts Math Linear Algebra Multi-variable Calculus Partial Differential Equations Precalculus Probability Quantitative Reasoning Real Analysis Statistics Trigonometry (Trig) Vector Calculus
• Science & Medicine: Anatomy & Physiology (A & P) Biochemistry Biology (Bio) Biostatistics Earth Science Environmental Science General Chemistry (Chem) Healthcare Medicine Nursing Nutrition Organic Chemistry Physics (Phys)
• Social Sciences: Anthropology Economics (Econ) Geology Law & Justice Liberal Arts Liberal Studies Political Science Psychology Sociology

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• 1) Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, accent, diction, dialect, regionalisms, pitch, vocabulary, word choice, intonations, and inflections.
• NOTE: I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• 2) Agree to do some homework questions of yours upfront with the work fully shown in real-time to prove my mastery of the course content.
• 3) Send you screenshots of at least five past scores I attained from completing exams & homework assignments for other students in the same type of class you need help with.
• 4) Send you full screenshots of written exam solutions I wrote up by hand for students in the past in the same course that you need help with so that you can see my neat handwriting.
• 5) Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes. Why choose low-income victims when it would be much more profitable to target high-income, high-net-worth individuals earning at least six figures a year? I have knowledge in business consulting, and I promise you that a business owner would be a MUCH more lucrative mark than a low-income college student.
• I wouldn’t choose such a time & energy-draining method of scamming people. Also, communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine. This means that 90% of my time communicating with potential clients ultimately proves to be a colossal waste of my irretrievable time & energy.
• If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now. And I would have been permanently banned from opening new accounts. Therefore, the fact that all my payment apps have been fully active for years should be sufficient proof that I haven’t had people consistently disputing payments sent to me.

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• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
• Please feel free to contact me if you're interested in my services and would like to learn more. I'm available 24/7 via phone call, email, and text. Again, thank you for taking the time to read my Reddit tutoring ad, and I hope to hear from you soon!

My contact details:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
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An attractive alternative to traditional rewards for outstanding performance

Synthetic equity refers to a collection of strategies and instruments frequently used to provide employees with financial advantages of share ownership without actual shares changing hands. It is a potent instrument that practically all advanced investment organizations may utilize to attract, retain, and reward competent employees.
The favorable economic qualities of equity are embedded into synthetic equity plans, also known as equity alternatives, without the financial obligations coming from purchasing shares from the initial owner. Instead, synthetic equity programs often develop into cash payments to the employee and a corresponding deduction for the employer. Since it represents compensation, synthetic equity may be easily adjusted to handle almost any scenario.
The following scenarios exemplify the situations in which synthetic equity is an optimal solution:

• An employee desires ownership-like benefits but is unable or unwilling to assume the financial risk of purchasing and paying for company equity.
• An employee aspires to ownership but lacks the credentials or licenses required for a role of a full equity partner in the company.
• Employees feel uncomfortable providing personal guarantees or accepting responsibility for credit lines, office leases, payroll-related expenditures, or the commitments made under buy-sell or continuity agreements.
• A company owner wants to share the economic worth of equity rather than the actual equity. This includes owners not interested in supporting this transaction with seller financing.
• A company owner wishes to motivate an employee to work on increasing the company’s value but also wants to discourage them from leaving and creating competition for the business, engaging in client solicitation, or performing other actions that might harm the company.
• An owner planning to leave the company in the following 5-year period wishes to reward one or more critical workers at the time of the sale without requiring them to purchase and pay for equity.

Tokenization of business and individual performance

The above method has been known for decades. The critical challenge in the modern business world is ensuring that innovation and productivity are rewarded equitably across an organization. At the same time, executives must be compensated for creating these conditions.
However, rewarding innovation and equitably delivering executive-level incentives and rewards across the organization from the top to the shop floor is the alternative made possible only by deploying smart contracts and blockchain technology — tokenizing business and individual performance.
The tokenization of business elements such as performance and innovation is one of the newest ways to drive planned outcomes. The process is about moving your business to blockchain. Although it may seem complicated and challenging to implement, almost any entrepreneur can tokenize the building blocks of their business. Tokenization is simply transforming a company’s value into a digitized resource in the form of tokens.
Tokens represent a value within the organization in a transparent and auditable way. They can be cashed in upon completion of the vesting period if both company and individual targets have been met. What makes Synthetic Equity on the chain unique is its transparency, auditability of incentives, and most notably, equitable distribution of tokens corresponding to each employee’s job size.

The Mechanism Behind Synthetic Equity

For synthetic equity to produce favorable results, a profitable, successful firm with a proper entity structure is necessary. Corporations and LLCs can use the tools relating to synthetic equity. In some situations, they may also be used by sole proprietorships, albeit in a slightly different form.
To fully grasp the idea of synthetic equity, it might be helpful to understand the mechanism behind equity in general. Understanding how equity functions allows those interested in synthetic equity to utilize some of the tools used in working with actual equity.
For example, investing in an independent advisory company generally offers the following considerable advantages:

• The right to vote
• Participation in the corporate governance system
• Access to the company’s financial documents
• Limited liability
• A proportionate cut of the revenue
• Sale-related long-term capital gains tax rates
• Capital growth potential

SyntheticEquity.io app is changing how we think about incentives and rewards.
These advantages have a monetary value. Therefore, purchasing equity carries a price, and awarding employee equity has tax repercussions. A tiny ownership share in a fee-based firm might cost several hundred thousand dollars. In these types of businesses, the stock is often acquired and paid for after tax, and the equity partner or shareholder usually expects to obtain the entire set of rights in return for taking on the investment risk.
The rights can be unbundled, meaning that the current owner does not have to sell or provide the full bundle of rights to an employee or investment advisor. To fulfill specific goals, each of the rights mentioned above can also be further divided or redefined in as much detail as necessary. For example, one or two rights from the total package might be provided, such as the opportunity to grow the company’s worth or a percentage of the profits.
By allowing someone to own a portion of the rights in the bundle rather than all of them, synthetic equity generates an advantage. These unique rights or benefits are often described in a plan document and frequently provided via individual award agreements between the employer and employee. A wide range of flexible options for creating a solid and profitable company are produced when equity-like benefits and a long-term remuneration strategy are combined.
Synthetic equity plans often come in one of the following three forms:

• Full-value plans can result in a substantially big payment to an employee since they pay both the value of the underlying stock and any appreciation that is gained over a certain period.
• Performance unit plans swap out equity as the value metric for another metric like sales growth or profitability.
• The value of any growth in the underlying stock value over a specific period following the date of the award is typically paid out under appreciation-only plans.

These kinds of plans are like conventional non-qualified plans insofar as they offer a possibility of discrimination and a significant risk of forfeiture that often lasts until shortly before the benefit is awarded to the employee.
Essentially, synthetic equity is a type of delayed compensation that links a worker’s financial incentive to the company’s performance. By striking the correct balance between the danger of losing a valuable employee and the potential future cost to the employer, each plan is specifically created to meet the advisor’s needs. The plans are intended to reward employees for contributing to the company’s success, but they also ensure that no payment is due if either the company doesn’t develop as expected or the employee doesn’t uphold their end of the deal by quitting their job to work for a rival company or starting their own.

Synthetic Equity Benefits

Synthetic equity is meant to be an equity-related instrument that helps a company find, reward, and keep hold of valuable people.
Synthetic equity benefits are:

• Synthetic equity inspires employees to adopt an owner’s perspective and put development and shareholder value first.
• There is no debt since important participants do not buy phantom shares like full equity stockholders do.
• If a participant’s job terminates before the designated vesting date, they typically forfeit any benefits under the plan.
• Participants normally do not have voting rights or a vote in corporate governance and may or may not be entitled to collect profits from the company.
• Synthetic equity programs provide flexible vesting timelines; vesting can take place over time, depending on the accomplishment of certain quantifiable company or individual goals.
• If the company’s growth is slower than expected and the stock price does not rise, nothing is exchanged.
• When a synthetic equity grant is issued, owners of genuine equity are not adversely affected by a dilution of their ownership percentages.
• Compared to S-Corporations, which are often more restricted, more freedom is provided in terms of stock class and shareholder count.
• The advising business’s shareholders’ or members’ agreement and associated buy-sell provisions do not immediately apply to synthetic equity.

Synthetic equity options’ versatility comes with many benefits but may also have many drawbacks. The companies need to make decisions regarding what valuation technique will be utilized, what vesting rules will be implemented, how liquidity problems will be addressed, what eligibility conditions will be imposed, and what rights to participate in corporate governance will be granted due to the wide range of possible directions for designing synthetic equity plans.

Conclusion

In the hands of a forward-thinking business leader, synthetic equity is a potent instrument. It may be utilized to solve the difficulty of attracting, rewarding, and maintaining top talent to create a great practice or viable business without the challenges of selling and paying for an actual ownership stake.
Like full stock, synthetic equity may refocus the employee’s attention and motivate them to contribute to a flourishing and profitable company.
Authors

Paul Lalovich

Organizational Effectiveness and Strategy Execution Practice

In the ever-evolving landscape of modern business, companies face a critical choice when it comes to rewarding and motivating their key talent.

The debate between adopting traditional token distribution models and embracing Synthetic Equity with deferred cash payments based on performance continues to shape the compensation strategies of organizations worldwide. This expository essay aims to shed light on this important decision-making process, offering insights into the advantages and pitfalls of each approach.

Token Distribution:

Pros:

1. Immediate Ownership: Token distribution provides immediate ownership, aligning team members with the project’s success from the outset.
2. Strong Incentive: Tokens are potent incentives, as their value can soar if the project prospers.
3. Transparency: Blockchain-based tokens often offer transparency and traceability in ownership and transactions.
4. Avoiding Ownership Dilution: Tokens allow companies to avoid diluting their cap tables.
5. Payment Efficiency: Salaries and performance-based bonuses in token form can conserve cash reserves, with employees seeking liquidity in the market.

Cons:

1. Market Volatility: Token values can be highly volatile, creating uncertainty for team members.
2. Limited Liquidity: Token liquidity constraints make converting tokens into cash challenging.
3. Tax Implications: Transferring token value can trigger income tax obligations.
4. Legal and Regulatory Compliance: Issuing tokens, especially in countries like the US, often involves legal, financial, and administrative hurdles.
5. Access to Top Talent: High-caliber talent may be hesitant to accept tokens due to market volatility.

Synthetic Equity:

Pros:

1. Performance-Driven: Synthetic Equity and deferred cash payments link rewards directly to individual or team performance, fostering a strong work ethic.
2. Predictable Rewards: Cash payments offer stability and predictability compared to volatile tokens.
3. Flexibility: Synthetic Equity and cash incentives can be customized to align with specific performance metrics and goals.
4. Avoiding Ownership Dilution: Tokens allow companies to avoid diluting their cap tables.
5. Value for Investors: High-performing organizations often deliver greater value to shareholders.
6. Utility Token: Synthetic Equity tokens, being a derivative of work, carry no inherent value, making them utility tokens with fewer legal implications.
7. Bottom-Line Impact: Additional payments are derived from bottom-line growth, directly rewarding employees for business expansion.
8. Tax Implications: Specify payouts such as “time certain” and separation of service, all of which are 100% compensation expense for tax purposes. Have the lowest predictable cost to the company based on after- tax cash flow.

Cons:

1. Performance management system set up: Synthetic Equity requires strong expertise in establishing performance management and incentive structures.
2. Delayed Ownership: Synthetic Equity lacks the immediate ownership associated with tokens.
3. Administrative Complexity: Implementing and managing a comprehensive incentives program can be administratively intricate.

SyntheticEquity.io combines innovative compensation strategies designed to simulate the value of actual equity shares.
Synthetic Equity offers an alternative to the traditional token issuance model, integrating performance management seamlessly. It aligns stakeholder and shareholder interests, encourages innovation, and rewards high performance. Furthermore, it addresses a common challenge faced by startups—creating and measuring key performance indicators (KPIs). Our unique performance plan methodology enhances teamwork, promotes a healthier work environment, and ensures individual productivity by emphasizing collective success.
Synthetic equity is ideal for companies committed to thriving and nurturing top talent. Individuals who meet their KPIs are rewarded, while those failing to contribute positively to the business unit’s performance forfeit part of their compensation.
The decision between token distribution and Synthetic Equity hinges on an organization’s objectives, risk tolerance, and the preferences of founders and team members. Some organizations may choose a combination of both to balance immediate ownership and performance-based incentives. Legal, regulatory, and tax considerations, as well as project dynamics, must be carefully weighed. Consulting with legal and financial experts can prove invaluable in crafting an effective and compliant compensation strategy.
Synthetic equity is a powerful tool for attracting, retaining, and rewarding top talent, especially in owner succession planning. However, many business owners and advisors possess only a rudimentary understanding of synthetic equity and its design. This essay defines synthetic equity, explores its appropriateness for specific capital and tax structures, illustrates its flexibility and benefits in owner succession, and showcases its potential through a compelling case study.
Synthetic equity, unlike traditional equity plans, is a compensation approach that grants executives and contract-based employees the right to a defined portion of enterprise value without requiring them to invest their own capital. It offers exceptional versatility and can be tailored to meet specific criteria related to who receives what, when, and under what conditions in terms of value sharing.
Outlined below are six fundamental examples of synthetic equity programs:

1. Phantom Stock:
   • An executive is entitled to a percentage share of the company’s value. (For example, Joe holds 5% of the company’s value expressed as phantom stock.)
2. Phantom Stock Over an Owner’s Threshold:
   • An executive has the right to a percentage share of the company’s value beyond an initial fixed threshold value or formula. (For instance, Joe has 5% of the company’s value above $10 million.)
3. Stock Appreciation Rights (SARs):
   • Executives are granted the right to share in a set percentage of the company’s value exceeding its value at the time of the grant—similar to employee stock options. (For instance, Joe has 5% of the company’s value above the current valuation of $20 million.)
4. Value Band Plans:
   • Executives are entitled to a graduated percentage share of the company’s value based on predetermined thresholds. (For example, Joe has a baseline right to 3% of the company’s value and can earn an additional 1% for every $10 million in growth, with a maximum share of 7%.)
5. Sales Bonus in Event of Change of Control:
   • Executives are entitled to a percentage share of the company’s value payable exclusively in the event of a change of control. (For example, Joe has 5% of the company’s value expressed as phantom stock, payable only if a change of control occurs.)
6. Simulated Equity Plan:
   • Executives are entitled to a percentage share of the value of a specific division or segment of the company, determined by a predefined formulaic breakup value of the company. (For instance, Joe holds 5% of the European division’s value based on a preset formulaic breakup value of the company.)

These diverse synthetic equity programs offer flexibility and the ability to tailor incentive structures to meet specific business objectives and circumstances.
The possibilities are virtually endless. Synthetic equity is akin to a sculptor’s clay for incentive structures—it can be molded into a wide array of forms to suit a business owner’s preferences. It can transform from a tracking stock to a pure performance-based incentive.
Of significant significance to business owners, synthetic equity operates independently of the company’s shareholders’ agreement and related buy-sell terms. This independence grants a high degree of flexibility, particularly concerning payout. Synthetic equity agreements must adhere to IRS code section 409A, which outlines rules governing plan payouts. According to 409A, synthetic equity plans can be triggered by six permissible events or plan termination. The three events that cannot be predicted are death, disability, and unforeseeable emergencies, while the three strategic triggers are change of control, time certain, and separation of service. Consequently, business owners have the authority to determine when executives can realize the value of the plan. This contrasts with a typical employee stock option plan, where executives decide when to “exercise” their stock options independently. In summary, synthetic equity plans provide business owners with enhanced control and flexibility in terms of plan design and payout.
In conclusion, synthetic equity stands as a compelling option for organizations seeking to optimize cash resources, empower succession, and reward high performance. It offers a robust and flexible framework, ensuring that top talent remains motivated and aligned with organizational goals. Embracing Synthetic Equity can truly set a company on the path to sustained high performance and success.
Authors

Paul Lalovich

Hello fellow tutor aspirees, side hustlers, academic extraordinaires. I’m here to give you the scoop on the various tutoring platforms, how their services work, tutoring requirements, the types of students on each platform, and of course - how much you get paid for your time.
A little about me. I’ve tutored for a few months now on the following platforms: Varsity Tutors, Wyzant, and SuperProf. I’ve had a number of students on each platform, and it’s safe to say I’ve definitely realized the pros and cons of each one.
Wyzant
Money Info: You set your hourly rate. Wyzant takes 25% of it. If you set your rate to $20/hr you get paid $15/hr.
The Requirements: Each subject you tutor you have to take a 10–20 question multiple choice test on it. The test will be beginner to intermediate questions on the subject you’ve chosen. You only have one chance to pass the test.
The Pros:

• You set your own rate
• Tutors and students can freely schedule meetings on their own, rather than have someone assign you
• The user interface is better(mobile app, messaging system, teaching platform, etc)
• Students can largely vary(this can be a con too). You will get a wider range of students, who can be adults with various full time jobs.

The Cons:

• You are charged 25% of your hourly rate
• It’s very hard to get started as a new tutor. There are tons of tutors with a lot of reviews already.
• There are scammers(be cautious of people asking you to communicate off the platform)

Final Verdict
Wyzant is an easy to use platform that takes a while to build a student base. You’ll have to apply and reach out to students a lot at first before you start getting more consistent jobs. This can take a few months, so consider this before you start. The 25% fee is high, but certainly not unreasonable compared to other platforms.
Varsity Tutors
Money Info: Unless you’re tutoring GRE or LSATs, the flat rate is $15/hr, regardless of the subject. GRE and LSAT tutors make $28/hr. Varsity Tutors charges their students $50 - $75/hr.
Requirements: Most subjects do not require a test, however you do need to send in a video interview of yourself, mostly to confirm that you can speak eloquently.
The Pros:

• You are assigned students after declaring interest, so you can get started tutoring within a few days.
• Students are screened so you’ll mostly get students more prepared for lessons.

The Cons:

• A large amount of tutors will only make $15/hr, whereas they charge $50 - $75/hr per student. This can be a huge cut, and limit on pay, especially if you’re teaching harder subjects like programming, sciences, higher level math.
• The user interface is not as great. Basic functionality is there, but the overall platform is not aesthetic.
• You are legally not allowed to take students off the platform.

Final Verdict
Varsity Tutors definitely has the lowest pay amongst all the platforms. $15/hr to teach is what you can make at some retail jobs in the US. The platform can be better if you need to start making money immediately, or if you live in a country where the cost of living is lower. The amount you are paid is better for people who are teaching subjects that aren’t too difficult.
SuperProf
Money Info: You set your own rate, SuperProf takes 10%. The caveat, SuperProf charges students $39 a month to use the platform.
Pros:

• For tutors, SuperProf takes the least amount from your pay compared to other platforms.
• Students are generally more prepared because they are paying $39 a month to use the platform.
• The user interface is also pretty good.
• You can set your own cancellation policies

Cons:

• There are less students because of the monthly subscription fee.
• It’s very hard to get started as a new tutor. There are tons of tutors with a lot of reviews already.
• You have to teach your first two lessons free.

Final Verdict
SuperProf is very similar to Wyzant in that students and tutors can openly communicate and set up time with each other. The 10% fee is lower than the other platforms. But because it’s already hard to get started as a new tutor, and there are less students on the platform, it’s one of the harder platforms to build a student base.
Additional Notes
While all these platforms have their pros and cons. You can always consider tutoring independently. You do not need any licenses or business registration for tutoring in most places. Once you get a student base through Wyzant or SuperProf, you can take them off-platform and teach independently. The best part? You keep the money you work hard for.
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Guys, My Grandfather started the business of Plastic Injection Moulding alongside his Government Job majorly manufacturing Stationery Items like Scale, Protector, Set Squares, Stencils in 1982. At that point according to my father there were not much competition. In 1991, My Father graduated from his diploma. He took part in Business at the age of just 20. For few years, My Father worked with My grandfather. Till 1996, My Father started working solely. Grandfather just focused on his job till the 2007 or 2008 when he retired.
My father died in 2022. After that My grandfather started looking after business. I also started taking part in. But I don't know If I ever contributed significantly. I overtook the accounting part which I guess didn't do it properly due to my lack of knowledge.
Currently Our Family Business is in shambles. We are struggling to make ends meet. Paying rent, maintaining employees salary, electricity bills are getting difficult.
Reason I think:

1. Grandfather despite not accepting was just too out of the loop. Since the last time he intervened, Everything had changed incredibly. There are more challenges. And Honestly I doubt he ever actually looked into business day to day working. Back then as I had been told, Factory used to work at the ground floor of our residence while family lived at first floor. My grandmother used to look after employees and day to day working. My Grandfather probably just looked over the cash flow. So He was not accustomed to entirety of business and competition. Also he is 78. So that also goes in the factor.
   
2. I think I never actually put my 100% efforts. I guess I just was privileged asshole. My father always told me and my brother to put efforts in our education. He dreamt of us getting best education he could provide. Since that was the only thing I need to do in my childhood (apart from playing. Don't think that studying was the only thing I did. It was only in my JEE phase.), I was able to put my entire efforts in education and score good marks. But after my father death, I just wasn't able to give my 100% to either of business or studies. Due to which, I think both of them suffered.
   
3. My Father always discouraged us from getting into family business. Primary reason was my grandfather intervention in business and not letting my father do what he wished to do. He thought that argument within three generation in family which may be caused is not good and worth it. I think It does make sense. Secondary He thought that For the struggle in business, Money you earn is not worth it. After I took engineering, He also believed that job in IT is more worth it. This is also expansion why I just wasn't able to give my 100%. I was in very much dilemma since I feel that getting into family business is kinda betraying him.
   
4. Some client took the benefit of our father's death. They are not taking our calls and not paying the amount due.
   
5. I am not entirely sure about this but after DOMS IPO was released, Niche product line we used to work in majorly came crushing down. This is what my grandfather had been claiming.
   

Now, Tell me whether should I continue it or not? Should I just focus my efforts on just jobs? I am not entirely sure what I want to do. A part of me says business but part of me says IT job. But market for IT job does not look good. I am questioning whether or not I would be able to land job or not? My Grandfather doesn't wish to close the business. I cannot see my grandfather working. His body is clearly not in the state. If I get into job then burden on him would just increase. Currently I go with him via Activa. Sometimes he does go by public transport though whenever I am not available.
Even if I wish to go in business then there are these problem:

1. Grandfather intervention. If I would get into it, I would want the complete control where I could proceed the business the way I would want. I plan to stop the stationery products and instead focus on other plastic products like Fan Blades, Automotive parts etc.
   
2. Input Cost: I would like to replace our old machinery with new better and larger machinery. My grandfather looks kinda against it stating old machinery is working but I don't know. They break often. As I was able to see, Most people had started using modern machinery. I read that modern machinery would be more energy efficient and would break down less. But New Machinery even used would cost a lot.
   
3. I had deep interest in technology. I have fun while programming. This feels like betraying that too. This is just on the top of betraying my father.
   

Kindly help me. I am incredibly confused.

I had to suffer through a BTS lecture, watch K Dramas, a Chinese execution video, a professor whose English I couldn't understand, a shitty grade for a class I actually had good attendance in, a Gen Ed class that was so difficult that it took time away from studying my most important class and the whole reason I'm trying to get a degree. Why do degree requirements feel like highschool? We get one class where we get to study what we want then we have 20 classes that teach us stuff that we're never gonna use again and forget! I realize the importance of a degree so I'm willing to jump through the hoops. But I turned down another University to come here because UIUC offered a program that more closely fits what I wanna study. But is this a cash grab for them or what? How can people be taking 21 credit hours and process anything?

BeFrugal Referral: https://www.befrugal.com/rs/KYWIHUJ/
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By using my BeFrugal referral link, you can get a $10 bonus after you earn $10 in cash-back through the BeFrugal shopping portal. This means you can essentially get $20 in cash-back for the price of $10, which is a great deal. The BeFrugal referral program is a fantastic way to maximize your savings and get rewarded for your online purchases.
The BeFrugal browser extension and mobile app make it incredibly easy to use. Simply
install the extension or app, and it will automatically detect eligible cash-back offers and coupons at thousands of online stores. You can also manually search for specific retailers and activate the cash-back offers with just a few clicks. BeFrugal referral users can enjoy the convenience of the app and the added bonus of the $10 sign-up incentive.
Don't miss out on this opportunity to save even more with the BeFrugal referral program. Use my BeFrugal referral link today and start earning cash-back while getting a $10 bonus.

TopCashback Referral: https://www.topcashback.com/ref/weibelt
TopCashback is a leading cash back and rewards platform that allows users to earn cash back on their online purchases from thousands of participating retailers. By using the TopCashback referral link, you can not only enjoy the benefits of the platform but also receive an additional $10 with your first purchase.
When you use the TopCashback referral link, you'll be able to access a wide range of cash back opportunities across various product and service categories. From everyday shopping to travel and entertainment, TopCashback offers a seamless way to earn cash back on your purchases. The TopCashback referral program allows you to share the platform with your friends and family, and when they sign up using your unique referral link, you both receive a $10 bonus.
By taking advantage of the TopCashback referral, you can maximize your savings and enjoy the convenience of a user-friendly platform. The cash back you earn can be withdrawn directly to your bank account or used towards future purchases. The TopCashback referral program is a great way to introduce your loved ones to the benefits of the platform and earn additional rewards in the process.