Jón Jónsson was a 41 year old Icelandic man who vanished in strange circumstances in Dublin on February 9th 2019. Despite extensive searches and appeals, no trace of him has ever been found.
Jón flew to Ireland by himself on February 8th with the intention of playing in a poker tournament over the weekend and then spending the rest of the time there with his fiancé as a holiday. Jón arrived into Dublin by himself and checked into the Bonnington hotel in the north of the city, the same venue that was hosting the tournament. He played throughout the night and everything seemed well. According to an eyewitness who was at the tournament, he seemed to be happy and in good form but they did state that he lost €4000 that night. He was also described as drinking a huge amount, enough that people were surprised that he could still stand. The following morning, Jón's fiancé arrived in Dublin, a woman by the name of Jana Gudjonsdottir. She arrived at the hotel around 10am and found Jón asleep in their hotel room. They had a brief conversation and then Jana decided to go downstairs to get some coffee. In the short period of time that she was gone, Jón very suddenly and unexpectedly left the hotel at 11:05am. It has never been determined why he decided to leave but he left behind his phone, wallet and passport, taking only his hotel key card. His family stated that they believed he had a large sum of money on him when he left the hotel but this has never been confirmed.
At 11:07am, Jón was captured on CCTV walking past a pub and a nursing home before exiting onto Swords Road heading towards Collins Avenue. He was last captured on CCTV walking past Highfield health centre. After this, Jón was never seen again. After he didn't return to the hotel all day, his fiancé started to grow concerned. When he hadn't returned by the following morning, Jana reported him missing to the Garda. Members of Jón's family flew over to Dublin immediately and a large scale search was launched with his family, Gardaí and civil defence all looking but no trace of him was found. In the CCTV footage of Jón before he vanished, he appeared relaxed and leisurely, smoking a cigarette and sauntering along. He wasn't followed and wasn't with anyone else. Jón's family are adamant he didn't disappear deliberately as he had just renewed his taxi licence back in Iceland and had upcoming family arrangements that he was excited for. One of his brothers had also described him as "a nice, caring, reliable and stable guy" and stated that he was always open about his finances and that if he needed financial help, he would have just asked his family.
In 2020, a criminal who was incarcerated in an Icelandic prison contacted Jón's family and told them something interesting. He claimed that the €4000 that Jón lost on his first night belonged to an Icelandic criminal who was in Dublin at the time. Jón had allegedly gone to meet him to acquire more funds but things turned violent when the man got angry over his money being lost and accidentally killed Jón. His body was then allegedly buried in a nearby park. On an undisclosed date after his disappearance, both Garda and a local priest received letters that stated that he was killed after losing money and that his remains could be found buried in a park in Dublin. In 2024, an extensive search of Santry Park was conducted by Garda with the assistance of cadaver dogs but absolutely nothing was discovered. The search was subsequently called off. To date, no trace of Jón has been discovered and Garda are now confident that he met foul play. However, with absolutely no sign of him or any solid information on what happened that day, this baffling case remains unsolved.
Sources:https://m.independent.ie/irish-news/watch-cctv-of-missing-icelandic-man-jon-jonsson-released/37855574.html
https://www.rte.ie/news/2024/0209/1431288-missing-appeal/
https://m.independent.ie/irish-news/no-results-from-dublin-park-search-for-missing-icelandic-man-jon-jonsson-gardai/a751807446.html
https://www.irishmirror.ie/news/irish-news/gardai-fear-missing-icelandic-tourist-32118294

If this is the wrong place to ask, please guide me to the right place.
One day around 2 years ago, my dad basically woke up with severe nerve pain. Basically a huge web of nerves in his torso are going haywire all the time, causing frequent severe spasms. It has completely degraded his quality of life. On his best days he can barely get to the mailbox and back. He had to completely relearn how to move so he wouldn't cause spasms. He had to unlearn basic muscle memory for things like grabbing milk out of the fridge. If he slips I'm honestly afraid it might kill him. This has caused significant physical degradation. He can't sit at a computer chair for more than 2 hours before needing to lay down or in a recliner for at least 30 mins. Work didn't provide any accommodations and when they stopped work from home, he was left incapable of working, and work recommended he go on short term disability. The medical system is really slow, so they didn't even find out what the source of his pain was within the STD timeframe, and he was put on Long Term Disability. Eventually a specialist figured out what the nature of his condition was and found the first treatment that actually stopped the spasming, Nerve Ablation. Radiofrequency Nerve Ablation is supposed to be done every 3 months, but the spasming started again after about 6 weeks from his first procedure and was back to full strength by 8 weeks. Also this didn't remove all his pain, the nerve spasming has left his shoulders and chest in extreme musculoskeletal pain, his only relief is when he's motionless and medicated.
Pretty much right after his first procedure, his insurance called and basically told him his condition is being managed and that he is ready to go back to work. They didn't even get his condition right, they described it as musculoskeletal stiffness, so he was left with no option but to appeal. We got his whole medical file and I've been organizing it for him (it's an absolute nightmare). There is no rehabilitation plan from the doctors in the case file, which includes the doctor's notes from his dr.'s appointments. There's no 'moving forward', no plans from anyone. Oh also despite his condition being 'managed', the time between his first procedure and second procedure was over 4 months, instead of the 3 he was told was supposed to happen. So it's not like he's even getting the treatment he's supposed to on time. Even if it was on time it only relieved him for half that time, leaving him no opportunity to rehabilitate before the spasming starts again. Also there's a signed note from his family doctor from just weeks before the claim was dismissed saying he's not ready to return to work yet.
They seem to think that since it's an office and sedentary that he should be able to just return to work. He can't drive due to his meds, he can't walk from the car to the office, he can't carry any weight (a water bottle is too much for him on his spasming side and he needs a cane in his good hand) [also keep in mind the difference between carry and lift, he can lift a milk jug because it's done so quickly, as opposed to carrying that weight over a distance], and he couldn't sit in the office chair for more than 2 hours before laying down, and laying down specifically was not accommodated at his office back when he first was 'suggested' to go on Short Term Disability. Getting a chance to stand up and move is not enough.
Insurance cut him off, and just today his CPP disability claim was dismissed because his doctor didn't provide them with documentation in time. He's so worried about his own suicidality that he had my mom hide his pain meds so he wouldn't OD on them. This long, slow process has been chipping away at his mental fortitude, between the constant pain and the stress he's completely hopeless, a shell of himself. His cognition has also degraded in this time, from the pain or from the mental aspect, I don't know. It's been really scary to see him spiral, and I have definitely seen the most of his day to day. Despite all of this, he actually does want to return to the workforce when his condition is actually being managed, that's a major part of his despair actually, he sees himself as worthless if he doesn't work.
We're getting in contact with a disability lawyer to help, but I'm really hoping to find any and all assistance that might be available. Lawyers are expensive and without his disability claim he is dangerously close to being completely screwed financially. Please, any ideas?

I’m about to lose my freaking mind! I got an email from the financial aid office saying I’m on academic probation for spring 2024 and if I want my aid I have to appeal…. I made all As last semester and haven’t failed any classes since going back in 2022 after being dismissed. So I sent them an email saying that and I got a email back saying whether I met the conditions or not I still have to appeal??? How the fuck does that make sense??

DAY: MAY 20 2024
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Hello,
I just got admitted of the waitlist for NYU, should I for NYU (i have no aid as of yet) or UofT? I would like to go to graduate school if I can get a fellowship otherwise it's off to industry for me as I am quite financially bound.
Regarding NYU,

1. is it possible to apply for financial aid after getting accepted?
2. my offer letter says i have till may 21st to make a decision, would it be possible to defer this until i can receive some sort of aid offer?
3. is there any housing left at NYU since i'll be coming in the spring accelerated program?

Thanks.

I’m 26 years old, and I live in Colorado. Last year in January I was found at fault for a collision. Somebody was driving dangerously and I swerved to avoid them, lost control of the vehicle, and hit the back end of a pickup truck. We exchanged information, my vehicle was a lot more damaged, we both drove away after making a few phone calls.
I was going about 35-40 mph so around the speed limit. I hit the brakes before we collided but it wasn’t enough. His rear tail light, quarter panel, and possibly his bumper were damaged. It was a company truck and he was very nice about it, I think he works in commercial construction.
Now yesterday I get a court document handed to me at my front door letting me know I am to appear at court for mediation, they are asking a judgement of 7500 dollars, the maximum allowed by small claims court. Apparently, my insurance gave them an amount that was (according to them) 1200 dollars short of the repair cost. Additionally, the vehicle was in the repair shop for 5 months while they fixed it, which resulted in a loss of use amounting to (according to them) 7500.
I’m wondering what I should do and what is a likely outcome. I feel like their problem is with Geico. My liability covers 15,000 dollars. That should be enough to fix a fender bender. I have no say in what my insurance pays out, I have no sway with them. Also, I don’t govern repair times, shop choice, or parts availability. I’m studying to be a mechanic, I know what this stuff costs and how long it takes. Saying they need me to pay out of pocket for something that took too long due to someone else’s inconsideration is frankly ridiculous.
I have no money. I am a student and a new parent, my baby is 8 months old. I can barely afford groceries, my family helps me put gas in my car and feed me. I have almost no money in my checking, no savings, and my credit card is maxed out. I am waiting to start a part time apprenticeship in the fall and right now I work <20 hours per week driving Uber. I go to community college which is paid for by financial aid and student loans. I made 24,000 dollars last year. I have never possessed more than 1500 dollars at once in my life. Even if I paid 50/month (way more than I can afford) it would take over 10 years to pay off. 50 dollars is nothing to sneeze at. That is 3 meals, a day the zoo, or a pair of shoes for my daughter. I’m worried they’re gonna take that away from me. I grew up poor and I’m worried I’m gonna be burdened with this for so long. I’m also worried about missing school and finding childcare for my daughter while I attend court, plus the filing fees and personal costs.
I’m just curious what my next steps should be and if it’s likely I will have to pay this judgement or what. Just not really sure how this process goes. Thanks in advance

I want to appeal my financial aid because the new FAFSA rules don't consider my siblings in college, which takes away any aid I could get. If I submit the numbers for how much we would be getting if not for the new rules, would this have any chance at being a good appeal? I don't know if that's really a reason for an appeal so I was wondering if it's worth it.

1. Courtesans and the Crown: I will be playing M! I am also open to potentially playing a MxM version. (1530s) Benjamin, the illegitimate son of a King, lives a life of luxury without any of the consequences that come with royal blood. He indulges in fine clothing, gambling and is a frequent patron of brothels. At sixteen, he met a courtesan named Antonia, who was five years his senior. Unlike the other women he had encountered, Antonia was beautiful, kind, and captured his heart. While they both share a deep love for each other, they face their own challenges. Benjamin is still learning the ways of the court at the age of eighteen, while Antonia holds a great deal of influence over him due to her life experience. From encouraging him to invite her to tea to spite his royal parentage and even convincing him to petition for legitimation to take his sister's throne, she is ready to shake things up, disguising their power-hungry nature as love. What started as a quiet and humble relationship has now turned them into vicious antagonists towards themselves and others, but their love for each other remains strong. Even though the character's name is Antonia, feel free to create your own character with a courtesan theme. I even encourage it!!!
2. Our Father, who art in Heaven: I can play M or F! (1450s) Through a combination of extortion, torture, and occasional bribery, Pope Castello has ascended to the Papal throne. Despite his vow of celibacy, his illegitimate offspring roam freely in the town, behaving as though they were the offspring of a monarch. His son, in particular, plowing through any woman with a pulse, loses vast sums of money gambling, and harbors his own dark secrets. Meanwhile, his father strives to elevate him to the rank of cardinal. However, what will happen when his son encounters the same fate as his father? Will he fall in love with a noblewoman and violate his church oath? This woman has her own secrets and a father who is eager to marry her off to the wealthiest suitor available. The resulting whirlwind will leave blood on the floor and lipstick stains on collars, reminiscent of The Borgias, but without the incestuous undertones.
3. Of course, Your Majesty: I will be playing M! (1500s) Your protagonist is the eldest child of a powerful monarch, destined to become the next Queen. During her childhood, she formed a close bond with the son of a Lord who was a bit older than her. As they grew up, their feelings for each other became more than just friendship, prompting them to explore a romantic relationship. However, it is the heavily religious 1500s, and fearing that their relationship would compromise her purity and jeopardize her chances of marrying another royal, the Lord's son was sent away to a chateau. Despite the distance, they kept in touch through letters and other means. But, a dramatic shift in the court's dynamics has brought him back, much to the chagrin of your character's father. He is willing to disrupt the status quo for the sake of love and occasionally for his own gain.
4. The Lost Princess: I will be playing F! (1480s-1520s) Princess Margery was adored by her subjects and set to ascend the throne one day. However, her fate changed drastically when, at the tender age of four, her carriage was attacked by bandits. In a desperate bid to survive, Margery pretended to be dead in the frigid snow of the forest. She wasn't certain what happened next, but she eventually found herself in the care of two kind-hearted parents who renamed her Elizabeth and raised her as their own daughter. As Elizabeth came of age, she began searching for potential suitors. But what happens when a young man uncovers her true identity? How does she make her way back to the castle, and what challenges await her upon her return? Most importantly, where do you fit into this tangled web of intrigue and deception?
5. For Our Kingdoms: I am open to playing M or F! (1530s) An arranged marriage between a prince and princess from neighboring kingdoms looms on the horizon. Is she a timid princess, suddenly thrust into the role of heir apparent, seeking a partner to bolster her claim to the throne? Or is she merely a commodity being sold off to the highest bidder? Regardless, what happens when two royals who are less-than-enthusiastic about the arrangement are forced to wed for the betterment of their kingdoms? With an unkind and brash prince making every quip in the book as he rises to the throne, she must find a way to make her marriage work. Will they find common ground, or will they be at each other's throats? Only time will tell.
6. Shadow in Stage Lights:I will be playing M! I am also open to potentially playing a MxM version. (Post-WWII 1940s) In the smoky haze of post-war Hollywood, where dreams are traded like currency and the past casts long shadows, Jack Turner returns from the frontlines of battle a shattered man. Once hailed as a literary luminary, he now struggles to find his place in a world that has moved on without him, haunted by memories he can neither escape nor forget. Enter your character, a radiant starlet whose ascent to fame is as swift as it is dazzling. Cast as the lead in Jack's latest play, she embodies the very essence of the character he once envisioned, igniting the stage with a brilliance that eclipses his own. But as the spotlight shines ever brighter on YC, Jack finds himself consumed by a bitter resentment, his heart seething with anger at the injustice of it all. In a world where shadows lurk behind every smile and fame is but a fleeting illusion, Jack and YC must navigate the treacherous waters of love and ambition, forging a path forward that leads them out of the darkness and into the light.
7. The West was Wilder: I will be playing M or F! (1830s) A young man is a moonshiner and owner of a notorious saloon in a small frontier town. With a reputation for brewing the finest illegal whiskey in the region, he walks a fine line between outlaw and respected member of the community. Meanwhile, a young lass is new to town and is seeking change. She has a tough exterior, but there is a vulnerability that draws folks in. As their paths cross in the dusty streets and dimly lit saloons of the Wild West, sparks fly between them. Whether it's a fiery confrontation over a poker game gone wrong or a chance encounter in the dead of night, their chemistry is undeniable. But with danger lurking around every corner and secrets waiting to be uncovered, their burgeoning romance is anything but smooth sailing.
8. Underneath the Bald Cypress: I will be playing F! (1930s) Amidst the sultry streets of New Orleans, the daughter of a wealthy sugar cane baron, finds herself torn between societal expectations and her own desires. Engaged to a controlling man of her father’s choosing, she longs for true love. Her path collides with your character, a jazz singer, a man of color, or something else entirely, sparking a forbidden romance that defies family secrets. As their love blossoms amidst the city's vibrant nightlife, she must choose between the safety of convention and the allure of a life filled with passion and uncertainty, where forbidden love and hidden truths threaten to unravel the world she knows.
9. Revolution or Run: I will be playing F! (Fallout Fandom) In Vault 47, life appears idyllic, with its inhabitants blissfully unaware of the horrors unfolding beneath the sterile corridors. Your character, recently assigned to a coveted scientist position, stumbles upon a hidden lab deep within the vault, where ghastly experiments are conducted on unsuspecting fellow dwellers. Amidst it all, your character finds help in a resourceful maintenance worker with a knack for uncovering secrets. With the weight of responsibility heavy on their shoulders, they must navigate a treacherous path, torn between loyalty to their community and the pursuit of justice.As tensions escalate within the vault, they must decide whether to ignite the flames of rebellion from within or to venture into the unforgiving wasteland beyond the vault's walls.
Linked here is my writing sample and lore explanation.
I am also open to sending a master list of my current OCs with their vague descriptions!
When you DM me, please send me the answers to these questions!

1. What is your name and pronouns?
2. What RP are you interested in?
3. Are you comfortable playing on Discord?
4. What gender are you interested in playing? (for scenarios 2, 5, and 7 only!)
5. What are your hard boundaries for writing? (i.e. unwilling to write gore/abuse/etc)
6. What is your biggest roleplay pet peeve?
7. What is your paragraph min/max?
8. What is the most important thing to you in RP?
9. Are time zones important to you? If so, what is yours?
10. Is ooc essential to you?
11. Are you okay with a fade-to-black romance style?
12. What is your typical romance speed? Slow/Medium/Fast Burn?

I will answer these questions back! Thanks for reading!

7 reasons why I think FFIE will squeeze.
1. Traction and Media Attention.
-Once traction picks up on $FFIE, it will be over for the hedgies. We must work the stock in order to meet WSB's requirements and bring in more fighters.
2. Short interest remains staggering 95.36% and 36.3 million shares are borrowed
-This must be accounted for. Once we raise the stock price, it will induce the need to cover the short positions, leading to the big short squeeze we are looking for. (Got it from Fintel, can't link for some reason),
Edit: went in-depth more in reason #10 due to requests.
3. The stock has seen incredible performance and has fundamental value -Surging from 0.04$ to 3.80$ is no easy feat. This highlights the strength of retail investors as we stand up to the big money.
-FFIE has also announced cooperation with Master Investment Group and Siraj Holding LLC in the Middle East, establishing a strategic effort to expand business.
4. Your fellow apes are in the trenches with you. YOU ARE NOT ALONE.
-There are those who have lost a lot, and there are those who missed out on a lot. Nonetheless, we must not let our fellow apes be stranded. We are coming with more backup and support everyday!
5. Trading volume is extremely high, reaching over 9 figures, indicating strength and oncoming fire that is FFIE.
6. SEC Rule 201, this restricts the short selling after significant price decline. It is currently in effect for FFIE, reducing potential for short attacks and aiding in the squeeze. More power to retail this week.
Edit: I've linked multiple threads/sources in the comment section. Sources indicate that SEC Rule ended after today.
7. Historical Precedent: The same song is being sung here as with GME, AMC, and the other meme stocks. I believe in the potential and I am confident in our community.
PSA: THIS IS NOT FINANCIAL ADVICE, I AM NOT AN EXPERT. I'M JUST AN APE. I CAN BE WRONG.
AS FOR ME, I'M NOT SELLING....
Edit: Reading other sources, I want to add more reasons.
8. Regulation and Market Dynamics aka closing above 1$
-Why is this important?
If FFIE maintains a closing price above 1$ for seven consecutive sessions. It will no longer be at risk of being delisted from the Nasdaq. Staying listed will ensure CONTINUED access to a larger pool of investors and maintains regulatory compliance standards, basically enhancing INVESTOR CONFIDENCE AND MARKET STABILITY FOR FFIE.
Edit: UNDERSTAND IF THE STOCK PRICE DROPS TO 0, SHORT SELLERS DO NOT HAVE TO SPEND ANY MONEY TO BUY BACK THE SHARES. IF IT DID, THEIR PROFIT WOULD ESSENTIALLY BE THE TOTAL AMOUNT THEY SOLD THE BORROWED SHARES FOR.
This basically means we can INFLICT UNLIMITED LOSS IF THE STOCK PRICE INCREASES INSTEAD OF DECREASE.
9. FFIE on the REG SHO and FTDs
FTD (fail-to-deliver) occur when a seller (short seller) does not deliver the securities sold by the settlement day. This can happen for a variety of reasons. FTD can be caused when many investors short a stock, depleting the supply of available shares to borrow. High short interest = susceptible to FTDs. Higher # of FTDs = more pressure on short sellers to cover.
In a nutshell, short sellers borrow shares to sell on market. They sell them to buyer. Short seller then can't deliver the sold shares to the buyer by settlement date.
-Being on the REG SHO List indicates that FFIE has experienced a substantial number of fails-to-deliver OVER A CONSECUTIVE FIVE-DAY PERIOD. This means short sellers have not been able to deliver the shares they sold, often due to the unavailability of borrowed shares.
-Once the threat of delisting is removed, short sellers will be compelled to close out their positions by purchasing actual shares from the market. According to SEC regulations, they are required to do so within ( typically ) 35 days of the stock being listed on the REG SHO List. This mandatory covering may drive up stock price due to increased demand.
HERE'S HOW IT AFFECTS FFIE. SHORT SELLERS WHO CANNOT DELIVER SHARES ARE REQUIRED TO COVER THEIR POSITIONS BY BUYING SHARES FROM THE MARKET.
10. Retailers BUYING ANDDD HOLDING We buy and hold because the short sellers only benefit by making the price go down. What happens if it stays up or hell, even increase?? THEY'LL HAVE NO CHOICE BUT TO COVER. (Extension to point 2.)
-Imagine you're a short seller, you want the stock to go to 0$ so you can walk out with significant profits without BUYING BACK the BORROWED shares ok?
Then you see a bunch of apes keeping the price up. Now what? HOW HIGH CAN IT GO? How long can it stay up?
-However long this takes, it will inflict losses. The potential for a stock to skyrocket is theoretically indefinite, BECAUSE a stock price can go up forever. EVEN IF THEY SEND THE STOCK TO 10$ AND PUSH IT ALL THE WAY DOWN TO 1$, WE MUST REMEMBER....
IT'S ONLY EVER IMPERATIVE TO KEEP HOLDING UNTIL THEY HAVE NO OTHER CHOICE BUT TO BUY BACK THEIR BORROWED SHARES. ONCE THEY REALIZE THE POTENTIAL OF THE STOCK WON'T EVER REACH THE PRICE TARGET, THEY WILL ACCEPT DEFEAT AND BUY BACK THE BORROWED SHARES. GIVING US THE SHORT SQUEEZE AND WE WILL WIN.
THAT'S WHY IT'S SO IMPORTANT TO BUY AND HOLD, THIS CAN SKYROCKET.
WE MUST HOLD THE LINE. BLEED THEM UNTIL THEY HAVE NO CHOICE BUT TO COVER THEIR SHORTS.
I'M IN WITH YOU APES TIL THE END. THANK YOU FOR ALL THE SUPPORT.

Ever-shifting Short Seller Claims

The short sellers attacking RILY in 2023-2024 have been relentless (currently 57% of float sold short per FinViz), with an ever-shifting list of wild accusations.
It's sickening to watch them compile a never-ending list of baseless wild theories and claims to support their short positions, which are demonstrably false. But as each is proved false, they pivot to new claims, and/or change the goalposts.
The sheer volume of shifting claims makes it hard to track how despotic they are with their "platform," and how many falsehoods they've spun. Even for someone who watched it in real-time, for almost a year

Compiled & Debunked

Sunlight kills vampires. To that end, I've compiled a list of (i) claimants (ii) claims (iii) reality (iv) definitive source proving reality.

Why Did They Target RILY?

One of the most vocal short sellers, Nate Koppikar (who also introduced Marc Cohodes to the "opportunity") has a fund Orso Partners. Based on their SEC registration document, this is their investment thesis:
"The Account’s investment objectives are to achieve capital appreciation primarily by identifying and selling short marketable equity securities of underfollowed and complex companies with misleading or corrective disclosures through a research-intensive process. The Account employs a short-biased investment strategy with an emphasis on primarily small to mid-cap companies that are underfollowed and complex (i.e., companies with market capitalizations of less than $5 billion which the market does not yet have a wellformed bull and/or bear perspective)."
RILY fits their description. The icing on the cake was the relatively large market cap, and the relatively small float. Given extremely high insider ownership (32.9% of shares per the proxy), and limitations on when and how insiders can trade, the "free float" of the stock (i.e., the shares that regularly trade) is very small for the size of the company. Moreover, the setup would only get better - given insiders have consistently used their free cash to buy additional shares hand-over-fist (further reducing the float).
That meant, with relatively small amounts of capital, the short sellers could shove around the stock price. That ability to move price opens another profit avenue - taking large derivative positions (buying puts, and selling calls), and shoving the price (or allowing it to drift up) to profit all along the way. It looked so good, the stock has been the highest-shorted on the US indices for several months. Even after the release of the 10-K, shares remain "hard to borrow" with elevated borrow fees.

Debunked Claims

The claims made by vocal short sellers could fill a book. Most were outrageous and fanciful when they were proposed. Virtually all have objectively debunked. This isn't a comprehensive list, as their claims are too numerous and varied. But it paints an illuminating picture.
With a track record this poor, one would expect the short sellers to exit - rather than continuing to spin new narratives. Perhaps the continued attacks are their exit strategy to avoid bankruptcy... Well, #Bullish.
With the highest short interest of all US stocks (albeit likely decreased from the highs of ~76% of the float), I think this is more than ripe for a return to fair value - or well above, if a short squeeze occurs.
Note that the list below deliberately excludes three types of posts/claims from the short sellers:
A) Juvenile personal attacks and attempts to character assassinate and dox a long list of people (RILY CEO, RILY new hires, RILY clients, Marcum the auditor, Marcum's lead audit professional, any firm or individual publicly posting a bull thesis on RILY, etc.).
B) Those that make no objective claims, but simply exist as a product of malicious degeneracy (like pictures of roasted pigs in ovens labeled Bryant Riley the CEO, photoshopped pictures of the CEO in prison chains next to convicted felons, video of an obese woman barely able to walk being gored by a bull labeled Mrs. Riley the CEO's wife, etc.).
C) Those that are impossible for short sellers to know, and impossible to objectively verify (e.g., Marc Cohodes claiming a single RILY trader front runs the CEOs personal short trades in front of clients taking following the firm's bullish advice on those stocks, to guarantee profits).

Claimant	Claim	Reality
1) Wolfpack	Wolfpack “RILY will record investment losses of up to ~$700 million in 2023” FALSE 10-K	FALSE
2) Wolfpack	“new loan to CORZQ will work out just as badly as the last and end in default (again) before June 2023”	FALSE Repaid in full, early, on 1/6/2024.
3) Wolfpack	“The coupon rate on RILY’s seven issues of baby bonds ranges from 5% to 6.75%, which we believe to be far too low to compensate investors for the existential risk that accompanies these securities.”	FALSE Full redemption of May 2024 came early. Far more than sufficient cash to cover debt payments.
4) Wolfpack	“According to our analysis, 4 of RILY’s largest 7 corporate borrowers with outstanding loan balances of $295.3 million are at a high risk of default, or in the case of CORZQ, is already in default.”	FALSE a. Core Scientific Inc. repaid early and in full ($111MM of the “risk”) b. Exela Technologies repaid term loan in full ($55.8MM of the “risk”) c. Arena Group Holdings debt retired in full ($99MM of the “risk”). Publicly disclosed in the most recent 10-K for each company (search for "Riley" in the filing)
5) Wolfpack	“RILY’s NAV is Far Below the $1.1 Billion Minimum NAV Requirement That Is Required for the Nomura Credit Agreement Putting RILY at Risk of Collapse in 2023”	FALSE RILY is in full compliance with the Nomura credit agreement. Moreover, reflecting the strength of the relationship, Nomura even granted a no-fee extension when the 10-K filing was delayed. Also see 10-K for current status.
6) Wolfpack	“Over $200 Million of the Goodwill and Intangible Assets on RILY’s Balance Sheet is Attributable to its Telecom Rollup, which is Centered on Dial-up and DSL Internet:” - criticizing them as dying businesses with no value	FALSE Segment is extremely valuable. From just 2020 to 2023, the communications segment has returned over $212.2MM in adjusted EBITDA.
7) Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate), Various	RILY committed fraud with loans and closing the FRG acquisition. "The fact $RILY closed the FRG deal while hiding the Kahn loan - an all PIK defaulted loan backed by $FRG shares - is a Hall of Fame worthy act of fraud. I thought after Enron/Sarbox we couldn't have something like this happen in US markets."	FALSE A law firm led an internal investigation, and an independent external investigation both found “The review confirmed what the Company previously disclosed: that the Company and its executives, including Bryant Riley, had no involvement with, or knowledge of, any of the alleged misconduct concerning Prophecy.” “The results of the independent investigation confirmed that the Company and its executives had no involvement with, or knowledge of, any of the alleged misconduct concerning Mr. Kahn or any of his affiliates. This independent investigation was conducted subsequent to the Company's February 22, 2024 disclosure of the internal review performed with the assistance of Sullivan & Cromwell LLP as outside counsel.” Also see 10-K
8) Marc Cohodes (AlderlaneEggs), ParrotCapital, Bill Abbate Jr. (JrAbbate), Various	The 10-K will never be filed. They can't produce audited financials.	FALSE Audited 10-K was filed. Delay was due to Audit committee fulfilling its responsibilities and proactively conducting investigations (internal and external).
9) Marc Cohodes (AlderLaneEggs) + Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate) + ParrotCapital	Sullivan and Cromwell knew about Massive Fraud, and did a "sham investigation"	FALSE Sullivan and Cromwell is one of the most respected law firms, in the US and worldwide. "Sullivan & Cromwell continues to lead all law firm advisers in announced and completed global deals in 2023, according to Bloomberg and LSEG. The Firm advised on global announced deals totaling more than $345 billion, representing a 12.1 percent market share, per Bloomberg, and on completed global deals totaling more than $431 billion, representing a 16.9 percent market share, per LSEG." They're not compromising themselves for a relatively small client.
10) Marc Cohodes (AlderLaneEggs), Nate Koppikar (TheFriendlyBear), Bill Abbate Jr. (JrAbbate), Parrot Capital	Marcum is enabling Massive Fraud	FALSE Marcum is a respected audit firm, and 13th largest by revenue. "Marcum LLP advanced into the Top 15 in the 2023 Vault Accounting list of top-ranked accounting firms. Marcum climbed six levels to the No. 13 ranking overall and earned a ranking of 14 in prestige. The Firm also won Top 20 rankings across all Practice Area, Quality of Life, and Diversity categories, including several new classifications added this year."
11) Marc Cohodes (AlderLaneEggs)	Nomura is enabling Massive Fraud	FALSE Nomura is a global financial services company, and the oldest brokerage firm in Japan. They operate in a highly regulated industry. They're not putting themselves on the line for a relatively small client.
12) Parrot Capital	"The list of $RILY enablers is massive: Marcum LLP, Sullivan and Cromwell, Seeking Alpha, Holbrook Holdings, $AX Axos Bank, Many, many more."	FALSE There's no global conspiracy whereby these companies - all respected law firms, auditors, banks, and media outlets - are collectively colluding to enable RILY to commit fraud. Requires only two brain cells and one functioning synapse to know there's no grand collusion cabal between these disparate companies.
13) Marc Cohodes (AlderLaneEggs), Jonathan Weil at WSJ	Franchise Group shares used to secure Kahn loan: "It is unclear whether Kahn pledged the same shares twice—to both Prophecy and B. Riley."	FALSE As stated by the company, Simple UCC search disproves this. UCC # 202302295747
14) Marc Cohodes (AlderLaneEggs)	“Bryant Riley is on the Road, telling people the ‘audit partner at Marcum left’ and that ‘I have made mistakes’ “	FALSE Marcum audit partner was working on the audit the whole time; the original audit partner had hit the 5yr SEC rule, so he was never working on this year’s audit.
15) Marc Cohodes (AlderLaneEggs)	"So it turns out James La Rocca was Fired by MarcumLLP If nothing was wrong with prior $RILY Audits, why is he gone? This will be great in discovery of what exactly went on.	FALSE Marcum audit partner was working on the audit the whole time; the original audit partner had hit the 5yr SEC rule, so he was never working on this year’s audit.
16) Koppikar (TheFriendlyBear)	“So Bryant Riley did disseminate MNPI back in March” in response to Cohodes claim that he told people the Marcum partner left	FALSE Cohodes claimed Bryant Riley was telling people the Marcum auditor left. Koppikar called that disseminating MNPI. Cohodes statement was false (and thus Koppikar's derivate claim is also false). A different auditor worked on RILY, as Marcum follows the SEC rules; the lead auditor can only serve the client for 5 consecutive years. As such, Koppikar’s derivative claim of disseminating MNPI is false.
17) Koppikar (TheFriendlyBear)	“He appears to still not be familiar with the voting interest model of consolidation… why is a life science and tech partner signing an extremely complex investment company / broker dealer audit ???” i.e., auditor is unqualified	FALSE The auditor is fully qualified. Marcum is a highly respected auditor; they don't hire unqualified people, or assign them to clients they're unqualified to audit. RILY is continuing to use Marcum as the 2024 auditor.
18) Marc Cohodes (AlderLaneEggs)	"Now that the $RILY dividend is going away, this omission is serious stuff"	FALSE The dividend did not go away. It was reduced from $1.00/share to $0.50/share, to allow them to opportunistically allocate capital. 23Q4 and 24Q1
19) Marc Cohodes (AlderLaneEggs)	"$RILY doesn't make it till Easter... I will say it again and again.."	FALSE They made it, filed a 10-K and paid a dividend, filed a 10-Q and are paying a dividend, and are chugging along. With stock price 50% higher than when this claim was made.

A sampling of the source claims listed above can be found in the images embedded in comments below this post, with additional claims found here https://wolfpackresearch.com/research/rily/ and here https://friendlybearresearch.com/wp-content/uploads/2023/12/RILY-Analyst-Day-Questions-12_11_13-Final.pdf and https://www.institutionalinvestor.com/article/2cpgaejc45gocvoqb1ngg/corner-office/how-b-riley-garnered-the-biggest-short-interest-of-2023 and https://www.wsj.com/finance/how-an-unremarkable-deal-became-a-big-threat-to-a-small-investment-bank-f819a169 . https://adviserinfo.sec.gov/firm/summary/304196 form ADV. Additional claims can be sourced on the various social media venues and websites utilized by the short sellers. This is not financial advice. All claim summarizations reflect my interpretation of the short seller claims, and should be verified against original sources, along with all counters. Due to Reddit image attachment limits, not all source images are included (but any missing can be found on TwitteX or other publicly available sources). Was unable to embed images in the post itself due to a Reddit limitation/bug.

I'm 21. I got diagnosed with POTS over a year ago after I started fainting continuously and accidentally injuring myself from falling. Now I faint pretty much every day, if not many times a day. I can't shower alone, my boyfriend has to help washing my hair, I can't stand for much more than 5-10 minutes at a time. I ended up in the ER a couple weeks ago because I'd apparently been having an absence seizure most of the night because my brain wasn't getting enough oxygen. I can't remember that night but apparently I started speaking Norwegian, which I haven't used in years, and just repeated myself but would then pass out and wake up and repeat it again.
Today I had another appointment with my heart specialist because of that night. He said basically the only step left is trying weekly IV drips with sodium and stuff that my cells don't know how to store efficiently due to the POTS. Before starting that, he wanted to check my heart again so we did the echo and sonar. Apparently, one of the heart valves seems to be caving in a little. He said it's nothing to worry about now but we'll have to keep an eye on it, especially since it wasn't there last sonar. Then he said I should see a specialist about possible ehlers-danlos syndrome. My heart seemed to show symptoms of weak, flexible connective and vascular tissue.
Approximately 2 years ago I was working full time, 10 hour shifts on my feet the entire time. I went to school along with it. I would work a night shift and then go straight to school. My parents never put any pressure on being successful or anything, my mom always said that as long as we were all healthy, happy and kind to the people around us, she had done her part well. But I know they expected me to grow up and change the world. I've always had an insanely strong need for justice and fairness, my plan was to become a developmental psychiatrist and work myself up in child protective services and transform it. Make it better.
Now, realistically, I'm never gonna be able to work full time. Most days, the pain, fatigue and dizziness is just unbearable. I rely so much on the people around me, I can never be alone at home for too long, I can't shower without assistance, I can't cook, it takes me over an hour to change one sheet cause I get so out of breath and I have to stop to rest. I feel like I need to mourn the life I imagined myself having because the rug has been yanked from underneath my feet and it will never be the same.
And I'm not allowed to stop and scream and shout from helplessness because I need to show improvement in my outpatient ARFID/OCD treatment because if I don't, I lose the financial aid and if that happens, I'm doomed because my parents can't support me. They would try their best but I wouldn't put them in that position.
I don't know, everything is falling apart yet I don't feel like I'm allowed to do the same because then those I burden constantly will have to comfort me and I'll burden them more.
I'm just so sad and tired and overwhelmed. It wasn't supposed to be like this. I should be in university, working to support myself, be able to cook for myself, walking my dog. Thank you for listening to my venting, it's appreciated.

I'm 21. I got diagnosed with POTS over a year ago after I started fainting continuously and accidentally injuring myself from falling. Now I faint pretty much every day, if not many times a day. I can't shower alone, my boyfriend has to help washing my hair, I can't stand for much more than 5-10 minutes at a time. I ended up in the ER a couple weeks ago because I'd apparently been having an absence seizure most of the night because my brain wasn't getting enough oxygen. I can't remember that night but apparently I started speaking Norwegian, which I haven't used in years, and just repeated myself but would then pass out and wake up and repeat it again.
Today I had another appointment with my heart specialist because of that night. He said basically the only step left is trying weekly IV drips with sodium and stuff that my cells don't know how to store efficiently due to the POTS. Before starting that, he wanted to check my heart again so we did the echo and sonar. Apparently, one of the heart valves seems to be caving in a little. He said it's nothing to worry about now but we'll have to keep an eye on it, especially since it wasn't there last sonar. Then he said I should see a specialist about possible ehlers-danlos syndrome. My heart seemed to show symptoms of weak, flexible connective and vascular tissue.
Approximately 2 years ago I was working full time, 10 hour shifts on my feet the entire time. I went to school along with it. I would work a night shift and then go straight to school. My parents never put any pressure on being successful or anything, my mom always said that as long as we were all healthy, happy and kind to the people around us, she had done her part well. But I know they expected me to grow up and change the world. I've always had an insanely strong need for justice and fairness, my plan was to become a developmental psychiatrist and work myself up in child protective services and transform it. Make it better.
Now, realistically, I'm never gonna be able to work full time. Most days, the pain, fatigue and dizziness is just unbearable. I rely so much on the people around me, I can never be alone at home for too long, I can't shower without assistance, I can't cook, it takes me over an hour to change one sheet cause I get so out of breath and I have to stop to rest. I feel like I need to mourn the life I imagined myself having because the rug has been yanked from underneath my feet and it will never be the same.
And I'm not allowed to stop and scream and shout from helplessness because I need to show improvement in my outpatient ARFID/OCD treatment because if I don't, I lose the financial aid and if that happens, I'm doomed because my parents can't support me. They would try their best but I wouldn't put them in that position.
I don't know, everything is falling apart yet I don't feel like I'm allowed to do the same because then those I burden constantly will have to comfort me and I'll burden them more.
I'm just so sad and tired and overwhelmed. It wasn't supposed to be like this. I should be in university, working to support myself, be able to cook for myself, walking my dog. Thank you for listening to my venting, it's appreciated.

hi! i’m an out of state incoming freshman. i’m an independent student, so i had extra stuff i needed to submit to verify that (mckinney vento letter, student statement). i submitted the MV letter ages ago, and my student statement about two weeks ago. on my next steps channel, it still says i have “outstanding” things to submit before my package can be made, but when i go through all the websites, there’s nothing to submit, and it says im all caught up. my financial aid package is still not created. just wondering if this is typical for other people in a similar situation? should i wait it out or email someone? thank you so much

Sorry for the amazing title~ I don't know what to put there.
Note: This is not my main account, I'm just using it for this subreddit. I haven't really had any luck with reaching out to people so thought this might be better. Also cause for me personally, I don't really like to post or anything like that due to social anxiety, so there's probably a lot of over people like that I'm missing out on xd. I usually also don't type very good, due to my horrible comprehension of the English language and an inability to generally express how i feel.... But its okay, I have my dog proof-reading this. I also don't like really describing myself cause its a little hard to do and makes me feel kind of narcissistic, so I'm sorry for that as well!
So a little(or a lot) about me: Reside in Florida(EST) Physically, I prolly look nothing like an almost 24 year old, which is kind of good, kind of bad? I'll let you be the judge of that. I'm 6' and weight around 110 lbs. So yeah I'm pretty stacked 💪 I don't mind to send a picture if asked! Hobbies: I'm like everyone else and like the standard nerdy stuff, like anime and vidya games among others. For anime, my favorite is Berserk 1997, just due to the amazing art style and music, but that can be said for a lot of anime from the lates 90s, they sorta have this whimsical feeling i cant really explain. I do like a lot of slice of life(the more silly the better) and romance, but there are so many I need to watch or catch up on, cause its hard for me to find motivation to watch a series. As for games, I'm not a very competitive person, so I don't really care for "pvp" games. I've been kinda having an obsession with Warframe lately, and I find it very cozy to grind out things and making the little progress. And my favorite game series ever is the ateliar series, its amazing and i suggest you check it out if you like jrpg games with crafting(they're very interesting and cute) Also, really love coop style games like playing Halo campaign coop or L4D. I can most definitely give my Steam account if asked~ Mobile games, more so gacha games are also another fun thing I don't usually dabble in anymore, but I do play a lot of Fate Grand Order, and wouldn't mind getting back into Genshin(I play on desktop xd)
Video essays are also really interesting to me and I cant enough of that type of that content. I wish there were more that piqued my interest ;-; so if you have any niche ones that you like, you can for sure recommended me some. I don't really watch tv/movies but I generally like the reality tv shows, or true crime(thank goodness for those 24/7 true crime channels on Samsung TV) and for movies, ughhhh, again, I'm not really a movie buff but I do enjoy most movies, especially the its so bad its bad horror movies that air on those free movie apps you can get like Tubi. For music, I generally love everything, except for new country. I do like finding new stuff even if I cant understand the lyrics, like I heard some JPop for the first time a couple of weeks ago and it was amazing despite the language barrier xd. Though, there are too many artists and genres to list off, some of my favorites are like Mac Demarco, SuicideBoys, and The Smiths (I might be cooked) Also recently discovered a new artist that I really like and I think I might weirdly like ambient music; https://youtu.be/9d7BU0Y8KRI?si=PVluJHWgO6EtmMbL
So, here lately I have been in a little stall in life and thankfully will be starting classes soon after I get some financial aide stuff rolling-As having worked "dead end" jobs for years where I was unhappy and left me unfulfilled in life and wanting more. It can be a little hard for me to do some things due to anxiety. Even something as simple as driving to the same place a million times can still be a struggle for me. But hey, we all got our own problems and I'm not too afraid to shy away from that matter. I never was really interested in relationships, so I never looked for them, but here lately my mind has been getting the better of me and the idea of having someone to look forward to talking to and establishing a relationship lowkey sounded amazing.
Politics and religion is most definitely not my cup of tea, so if that's something you're looking for, I sadly cannot converse on that! I can tell you opinions and vice versa, but I'm not the most knowledgeable and don't really care for those things. I don't smoke(preferably the same), and only drink beer occasionally. I don't even really have a type, which as cliche as that sounds, I most definitely think personality and similar interests/sense of humor is a lot better than looks which can be changed in most part.
I think that's mostly it for now! If this hasn't scared you away, then you can send me a dm and I'll most definitely reply as fast I can. And sorry if this doesn't come of as serious, or I didn't explain myself in a more in-depth way, as like I said, its hard for me to think of anything I can use to describe me besides some arbitrary way. I'm most definitely looking for someone who's just as dumb and awkward😭 https://youtu.be/cvFxDZH53IY?si=8E-lYsxfW4TPuh3t
ALSO ALSO: I really like Kuromi, and got some merch of her I can most def send pics of. That's all 🫡

I'm looking for tips and advice about what to do about my tax situation. I have been using the same tax preparer for 9 years and have never had something like this happen before. I moved across the country last year and my tax preparer said they could and would be happy to do my filing this past year.
I submitted all of my documents they would need by April 1st but my preparer did not file my taxes until May 3. They did file for an extension but I was never told they did this or that they were being filed late and had to pay state penalties. This year, they did not set up a meeting or call time to go over my taxes with me, which I thought was strange but given the lack of communication and delay, I was just happy to have them done finally.
Last week I received a letter in the mail stating there was an error on my taxes and that I owed more to my previous state of residence. I also revieved a voter ID card issued from my previous state. I only lived and worked in this state for 3 months last year before moving. I started reading through all of the paperwork I had received from the preparer and it appears that they filed my taxes stating that I am still a resident of my previous state and they filed a tax credit for the income tax I made in my current state with my previous state. It also seems that they may have used a copy of my expired drivers license from a previous year since I never had a chance to speak with my preparer and submit a copy of my new drivers license.
My vehicles, drivers license, voter registration, professional licenses, and home are all listed in my new state that I've lived in for over a year now. I recently applied to a graduate school program and in-state tuition. I'm worried how this mistake will affect my eligibility for financial aid and in-state tuition, as well as my profesional licenses, job, etc.
I left 3 voicemail and 2 emails last week and finally spoke to the tax preparer's secretary yesterday and she said to send then the letter stating I owe more to the previous state and my current drivers license and they would see what can be done. I have not been able to speak to the tax preparer, I can only speak with the secretary which is extremely frustrating.
The extreme lack of communication and professionalism has been very stressful and upsetting to say the least. I could understand a very technical error but filing someone's taxes in the wrong state entirely and screwing up thier college financial aid seem completly negligent. Should I even continue working with them to fix it or try to find someone else? My biggest concern is getting this fixed so that I can start college this fall and maintaining my licenses for my job.

I'm looking for tips and advice about what to do about my tax situation. I have been using the same tax preparer for 9 years and have never had something like this happen before. I moved across the country last year and my tax preparer said they could and would be happy to do my filing this past year.
I submitted all of my documents they would need by April 1st but my preparer did not file my taxes until May 3. They did file for an extension but I was never told they did this or that they were being filed late and had to pay state penalties. This year, they did not set up a meeting or call time to go over my taxes with me, which I thought was strange but given the lack of communication and delay, I was just happy to have them done finally.
Last week I received a letter in the mail stating there was an error on my taxes and that I owed more to my previous state of residence. I also revieved a voter ID card issued from my previous state. I only lived and worked in this state for 3 months last year before moving. I started reading through all of the paperwork I had received from the preparer and it appears that they filed my taxes stating that I am still a resident of my previous state and they filed a tax credit for the income tax I made in my current state with my previous state. It also seems that they may have used a copy of my expired drivers license from a previous year since I never had a chance to speak with my preparer and submit a copy of my new drivers license.
My vehicles, drivers license, voter registration, professional licenses, and home are all listed in my new state that I've lived in for over a year now. I recently applied to a graduate school program and in-state tuition. I'm worried how this mistake will affect my eligibility for financial aid and in-state tuition, as well as my profesional licenses, job, etc.
I left 3 voicemail and 2 emails last week and finally spoke to the tax preparer's secretary yesterday and she said to send then the letter stating I owe more to the previous state and my current drivers license and they would see what can be done. I have not been able to speak to the tax preparer, I can only speak with the secretary which is extremely frustrating.
The extreme lack of communication and professionalism has been very stressful and upsetting to say the least. I could understand a very technical error but filing someone's taxes in the wrong state entirely and screwing up thier college financial aid seem completly negligent. Should I even continue working with them to fix it or try to find someone else? My biggest concern is getting this fixed so that I can start college this fall and maintaining my licenses for my job.

7 reasons why I think FFIE will squeeze.
1. Traction and Media Attention.
-Once traction picks up on $FFIE, it will be over for the hedgies. We must work the stock in order to meet WSB's requirements and bring in more fighters.
2. Short interest remains staggering 95.36% and 36.3 million shares are borrowed
-This must be accounted for. Once we raise the stock price, it will induce the need to cover the short positions, leading to the big short squeeze we are looking for. (Got it from Fintel, can't link for some reason),
Edit: went in-depth more in reason #10 due to requests.
3. The stock has seen incredible performance and has fundamental value -Surging from 0.04$ to 3.80$ is no easy feat. This highlights the strength of retail investors as we stand up to the big money.
-FFIE has also announced cooperation with Master Investment Group and Siraj Holding LLC in the Middle East, establishing a strategic effort to expand business.
4. Your fellow apes are in the trenches with you. YOU ARE NOT ALONE.
-There are those who have lost a lot, and there are those who missed out on a lot. Nonetheless, we must not let our fellow apes be stranded. We are coming with more backup and support everyday!
5. Trading volume is extremely high, reaching over 9 figures, indicating strength and oncoming fire that is FFIE.
6. SEC Rule 201, this restricts the short selling after significant price decline. It is currently in effect for FFIE, reducing potential for short attacks and aiding in the squeeze. More power to retail this week.
Edit: I've linked multiple threads/sources in the comment section. Sources indicate that SEC Rule ended after today.
7. Historical Precedent: The same song is being sung here as with GME, AMC, and the other meme stocks. I believe in the potential and I am confident in our community.
PSA: THIS IS NOT FINANCIAL ADVICE, I AM NOT AN EXPERT. I'M JUST AN APE. I CAN BE WRONG.
AS FOR ME, I'M NOT SELLING....
Edit: Reading other sources, I want to add more reasons.
8. Regulation and Market Dynamics aka closing above 1$
-Why is this important?
If FFIE maintains a closing price above 1$ for seven consecutive sessions. It will no longer be at risk of being delisted from the Nasdaq. Staying listed will ensure CONTINUED access to a larger pool of investors and maintains regulatory compliance standards, basically enhancing INVESTOR CONFIDENCE AND MARKET STABILITY FOR FFIE.
Edit: UNDERSTAND IF THE STOCK PRICE DROPS TO 0, SHORT SELLERS DO NOT HAVE TO SPEND ANY MONEY TO BUY BACK THE SHARES. IF IT DID, THEIR PROFIT WOULD ESSENTIALLY BE THE TOTAL AMOUNT THEY SOLD THE BORROWED SHARES FOR.
This basically means we can INFLICT UNLIMITED LOSS IF THE STOCK PRICE INCREASES INSTEAD OF DECREASE.
9. FFIE on the REG SHO and FTDs
FTD (fail-to-deliver) occur when a seller (short seller) does not deliver the securities sold by the settlement day. This can happen for a variety of reasons. FTD can be caused when many investors short a stock, depleting the supply of available shares to borrow. High short interest = susceptible to FTDs. Higher # of FTDs = more pressure on short sellers to cover.
In a nutshell, short sellers borrow shares to sell on market. They sell them to buyer. Short seller then can't deliver the sold shares to the buyer by settlement date.
-Being on the REG SHO List indicates that FFIE has experienced a substantial number of fails-to-deliver OVER A CONSECUTIVE FIVE-DAY PERIOD. This means short sellers have not been able to deliver the shares they sold, often due to the unavailability of borrowed shares.
-Once the threat of delisting is removed, short sellers will be compelled to close out their positions by purchasing actual shares from the market. According to SEC regulations, they are required to do so within ( typically ) 35 days of the stock being listed on the REG SHO List. This mandatory covering may drive up stock price due to increased demand.
HERE'S HOW IT AFFECTS FFIE. SHORT SELLERS WHO CANNOT DELIVER SHARES ARE REQUIRED TO COVER THEIR POSITIONS BY BUYING SHARES FROM THE MARKET.
10. Retailers BUYING ANDDD HOLDING We buy and hold because the short sellers only benefit by making the price go down. What happens if it stays up or hell, even increase?? THEY'LL HAVE NO CHOICE BUT TO COVER. (Extension to point 2.)
-Imagine you're a short seller, you want the stock to go to 0$ so you can walk out with significant profits without BUYING BACK the BORROWED shares ok?
Then you see a bunch of apes keeping the price up. Now what? HOW HIGH CAN IT GO? How long can it stay up?
-However long this takes, it will inflict losses. The potential for a stock to skyrocket is theoretically indefinite, BECAUSE a stock price can go up forever. EVEN IF THEY SEND THE STOCK TO 10$ AND PUSH IT ALL THE WAY DOWN TO 1$, WE MUST REMEMBER....
IT'S ONLY EVER IMPERATIVE TO KEEP HOLDING UNTIL THEY HAVE NO OTHER CHOICE BUT TO BUY BACK THEIR BORROWED SHARES. ONCE THEY REALIZE THE POTENTIAL OF THE STOCK WON'T EVER REACH THE PRICE TARGET, THEY WILL ACCEPT DEFEAT AND BUY BACK THE BORROWED SHARES. GIVING US THE SHORT SQUEEZE AND WE WILL WIN.
THAT'S WHY IT'S SO IMPORTANT TO BUY AND HOLD, THIS CAN SKYROCKET.
WE MUST HOLD THE LINE. BLEED THEM UNTIL THEY HAVE NO CHOICE BUT TO COVER THEIR SHORTS.
I'M IN WITH YOU APES TIL THE END. THANK YOU FOR ALL THE SUPPORT.

In the vast universe of investment opportunities, gold stands out not just for its glitter but for its enduring value and historical significance. The allure of gold has not diminished over the centuries; instead, it has woven itself into the fabric of financial stability and wealth preservation. Herein, we delve into why investing in gold is not only a prudent decision but one that could safeguard your financial future in ways that other assets cannot.
Why Investing in Gold is a Good Decision
The decision to include gold in one’s investment portfolio is driven by several compelling factors. First and foremost, gold is universally recognized for its intrinsic value. Unlike paper currency, whose value can be eroded by inflation or government policies, gold’s worth is not tied to the performance of a particular economy. This unique characteristic makes it a sought-after asset for those looking to preserve their wealth over time.
Moreover, the resilience of gold becomes particularly evident during periods of market volatility. When stocks and bonds are buffeted by the storms of financial markets, gold often remains a beacon of stability. Its price movements are not directly correlated with those of other assets, making it an excellent tool for diversification. This uncorrelated behavior is a testament to gold’s standing as a safe haven in times of economic uncertainty.
Lastly, the liquidity of gold is another factor that contributes to its attractiveness as an investment. Gold can be easily bought or sold in various forms, from physical bars and coins to gold-backed exchange-traded funds (ETFs). This ease of transaction ensures that investors can quickly adjust their positions in response to changing economic conditions, enhancing gold’s appeal as a versatile asset.
https://preview.redd.it/sruhcncxrs1d1.jpg?width=988&format=pjpg&auto=webp&s=2dc552032419577044f47fa4dbd249d066e10cf1
Historical Performance of Gold as an Investment
The historical performance of gold is a testament to its enduring value and appeal as an investment. Over the centuries, gold has not only preserved wealth but, in many instances, has significantly appreciated in value. This long-term appreciation is particularly notable when compared to other assets that may depreciate due to technological advancements or changes in consumer preferences.
During periods of high inflation, gold has historically outperformed other investments. Its value tends to rise when the purchasing power of fiat currencies declines, thereby providing a hedge against inflation. This characteristic was notably evident during the 1970s, a decade marked by high inflation, during which gold prices surged.
Furthermore, gold’s performance during economic downturns has reinforced its reputation as a safe haven. In the aftermath of the 2008 financial crisis, for example, investors flocked to gold, driving up its price. This flight to safety highlighted gold’s role as a stabilizing force amidst economic turmoil.
Hedge Against Inflation and Economic Downturns
One of the most compelling reasons to invest in gold is its ability to act as a hedge against inflation and economic downturns. Inflation erodes the purchasing power of money, diminishing the real value of cash holdings and fixed-income investments such as bonds. Gold, however, maintains its purchasing power over the long term. As the cost of goods and services increases, so does the price of gold, thereby preserving the value of investors’ holdings.
In addition to its inflation-hedging properties, gold offers protection during economic downturns. During such times, investors often lose confidence in traditional assets like stocks and bonds. The uncertainty that pervades financial markets during recessions drives investors toward safer assets, and gold is frequently the beneficiary of this shift in sentiment. Its ability to maintain value when other assets are declining is a crucial reason why gold is considered a cornerstone of a well-diversified portfolio.
https://preview.redd.it/rbl3lgwzrs1d1.jpg?width=988&format=pjpg&auto=webp&s=489877e3d082c1c4a60222b37bf48c78fd66c52f
Diversification in Your Investment Portfolio
Diversification is a fundamental principle of investing aimed at reducing risk. By spreading investments across different asset classes, investors can mitigate the impact of a poor performance by any single asset. Gold plays a vital role in this diversification strategy due to its low correlation with other financial assets.
Including gold in a portfolio can reduce volatility and improve returns over the long term. Studies have shown that portfolios containing a mix of stocks, bonds, and gold have outperformed those without gold, particularly during times of market stress. This diversification benefit is a key reason why financial advisors often recommend allocating a portion of an investment portfolio to gold.
Tangible Value and Stability of Gold
Gold’s tangible nature is another factor that contributes to its appeal as an investment. Unlike digital assets or paper money, gold is a physical substance that has been valued by human societies for millennia. This tangible value provides a sense of security and permanence that is unmatched by many other investments.
The stability of gold is also reflected in its supply. Gold cannot be produced at the same pace as paper money or digital currencies, which central banks can create at will. The limited supply of gold, combined with its enduring demand, underpins its value and makes it a stable investment over the long term.
Protection Against Currency Devaluation
Currency devaluation is a risk that affects all investors, regardless of the currency in which they hold their assets. When a currency loses value, it takes more units of that currency to purchase the same amount of goods or services. Gold offers protection against this risk because it is priced in currency terms. As the value of a currency declines, the price of gold in that currency tends to rise, preserving the purchasing power of investors’ holdings.
This protection is especially valuable in countries with volatile currencies or those prone to inflationary pressures. For investors in such environments, gold can serve as a safe haven, protecting against the adverse effects of currency devaluation.
Tax Advantages of Investing in Gold
Investing in gold can offer certain tax advantages, depending on the jurisdiction and the form of gold investment. For example, some countries do not levy capital gains tax on gold investments, or they may offer favorable tax treatment compared to other assets. These tax benefits can enhance the overall return on gold investments, making it an even more attractive option for investors.
It’s important for investors to consult with a tax advisor to understand the specific tax implications of investing in gold in their country. Taking advantage of these tax benefits can maximize the returns from gold investments and contribute to a more efficient investment strat
https://preview.redd.it/o4b1ru72ss1d1.jpg?width=988&format=pjpg&auto=webp&s=a95df396e4fc97f6a3e2df3bdeabe91ef0f96d44
Different Ways to Invest in Gold
There are several ways to invest in gold, each with its own set of advantages and considerations. Physical gold, in the form of bars or coins, is a popular option for its tangible value and direct ownership. However, it requires secure storage and insurance, which can incur additional costs.
Gold ETFs and mutual funds offer a more convenient way to invest in gold without the need for physical storage. These financial instruments are traded on stock exchanges and are backed by physical gold or gold futures contracts. They provide liquidity and ease of trading but may come with management fees.
Gold mining stocks and mutual funds are another avenue for gold investment. These options involve investing in companies that mine gold, offering potential for dividends and capital appreciation. However, they also carry risks related to the performance of individual companies and the mining sector as a whole.
Risks and Considerations of Investing in Gold
While gold offers many benefits as an investment, there are also risks and considerations that investors should be aware of. The price of gold can be volatile in the short term, driven by factors such as currency fluctuations, interest rates, and geopolitical events. This volatility requires a long-term perspective and a tolerance for price fluctuations.
Additionally, investing in physical gold involves costs for storage and insurance, which can erode returns. Investors should carefully consider these costs and weigh them against the benefits of holding physical gold.
Finally, it’s important to recognize that gold does not produce income, such as dividends or interest, which some investors may seek from their investments. This lack of income should be considered in the context of an overall investment strategy and financial goals.
Conclusion: Is Investing in Gold Right for You?
Investing in gold offers a range of benefits, including diversification, protection against inflation and currency devaluation, and stability in times of economic uncertainty. However, like any investment, it also comes with risks and considerations that must be carefully evaluated.
For those seeking to preserve wealth and reduce risk in their investment portfolio, gold can be an excellent choice. Its historical performance, tangible value, and role as a hedge against economic downturns make it a compelling option for many investors.
Ultimately, whether investing in gold is right for you depends on your financial goals, risk tolerance, and investment strategy. By carefully considering these factors, you can make an informed decision about including gold in your investment portfolio.

I 29F live with my mom, older brother by 6 yrs and 95yr old grandma. I was diagnosed with depression and anxiety from about 20yrs old and have probably been living with it since I was a child but didn't know what it was. Since I was a child I have had a lot of responsibility placed on me as the "gifted kid" that would "save and protect" the family and hold it together. Now, I wasn't aware I was being put into that role until I got to live and work abroad and had some time to reflect and also talk to peers to realise that most people don't live their childhood, teens and twenties supporting their family of adults - especially not as the youngest member of the household.
That job abroad felt like it was the first time doing something for myself and by myself but quickly became supporting the family financially and at every beck and call from abroad. My mom would vent to me about whatever is daunting on her emotionally, stressing her financially etc and being so used to it - I always made it become my problem to fix it. This lead to a problem where, I have no savings, no property that isn't tied to/shared with someone else, and I am constantly mentally drained and emotionally exhausted till I just don't have the mental capacity to work on my own goals and aspirations. Further stressing me out is I actually have a lot of big goals and aspirations and expectations I set to myself. Being so far behind, esp when it seems like its mostly not my fault (apart from my enabling it etc) doesn't do wonders for my mental health.
The usual pattern in my life is as soon as the slightest good thing happens, or even just a shift in my mental health (say motivation comes from somewhere and I really start to put plans into action) - something much worse happens that forces me back into my abyss. Except, it gets deeper and deeper every time. I'll spare you several examples.
So upon my realisation that I was probably "parentified", that my mom is far too reliant on me as a second breadwinner and that I am functionally her husband - I wrote her a letter saying I was pulling the plug on all that, that they all needed to learn how to live without relying on me because I don't even want kids and don't see why I am supporting adults when I don't even live there at the moment. I was going to express that they are fundamentally holding me back and that it has to and would stop.
Unfortunately, before I could finish that letter, mom calls to say she was diagnosed with cancer. Now this too would be somehow my issue to fix cause my brother though working always made less than me and he was extremely unwilling to take care of mom. Even to just take her to doctors appointments he couldn't be bothered to do, preferring to just work instead. While I was abroad I had to ask my friends and mom had to ask her friends for that kind of support and I eventually hired a caregiver that I sent money back home (in addition to my usual financial aid). Eventually it would come to pass that mom would need chemo and the possibility she may not survive. I was afraid to come home lest all the burden of this naturally high stress situation fell on me - but at the same time what if she doesn't make it and I never saw her again?
I couldn't afford a roundtrip airfare and the arrangement with my job was if I terminated at the end of my contract without renewing I could go home at my employer's expense. I decided to quit and come home after a less than hopeful conversation with my mom's oncologist. This meant financially we'd be reliant on mom's regular burdened by debt income, her insurance and my brother's income (this never happened btw) to get by since I am now jobless.
What I feared happening happened exactly AND more! Not only did the caregiver I hired eventually walk off the job which made me mom's primary caregiver, her nurse, her chauffer, personal assistant and courier. I also became the housekeeper, the shot caller, the household manager, the cook, the plumber... you get the idea. On top of that, my brother would be a regular thorn in the side because he would throw tantrums when I needed the car to do things for mom (mom and I own the car but mom started to let him drive it while I was away since he recently got his license). He was highly uncooperative with handling his own personal responsibilities (eg taking care of his cats), as well as anything where I would need extra help with mom. My grandma also would complicate things ( she has always been a narcistic bitch and no one in the family likes her but mom insists she has to stay cause mom is a pushover - you see who I get it from yes. Grandma would actively compete with my mom for pity points, faking sickness, deliberately making herself sick, exerting herself unnecessarily to then feign weakness and guilt trip me - all because she wanted the same attention that I gave the cancer patient.
Mom too, would put me under emotional duress cause in all this she also wanted me to do everything and be happy about it even if I had to pretend. She would start to make demands, oddly specific meal requests of someone who does not cook at all, demand having access to me at all times of day, and if I were to take free time out of the house by myself, she would insist I need to do something for the house or for her while I was out esp if I was going to use her car (the car we both own, that when we bought she told me it was mine and the car that is officially willed to me - yes that one). We also had several arguments where I learned she always thought that cause I was the "smart one" she expected that I could be fully left to my devices and I'd turn out fine and she could rely on me to take care of my deadbeat, driven-less, lazy, lonely, woman-blaming incel and approaching sexually deviant brother after she eventually passes. Cause she is confident that he may never learn to fully adult. And she is likely right by her own fault was she coddles him and shields him from every form of consequence of his action or inaction and is very hesitant about any kind of tough love for him but when it comes to me - even with the slightest of things/benefits she will quickly withhold because "I am inherently more privileged" than he is.
In all of this, my friends when I reach out for support never want to show up. They don't want to deal with any of my problems. No one wants to let me stay even for a week to get a break from my household. Most of them anyway I can't even trust cause they see me as their scapegoat for female touch and affection and since I am no longer willing to pity their loneliness they have gone extremely cold and some try to skirt around touching me inappropriately when they're around me.
Now, I also live in a poor country where pay is always shit. I still only have a bachelors in something that pays extra shit at entry level esp in my country. Peers in my country have very different interests than me usually which is how I am still with the same circle of misfits I have from high school as friends. There's not really anything to do at home that interests me - career wise or entertainment wise. Which is why getting out was such a high priority. But as you can see that's always been and continues to be put on the back burner.
Now that mom is doing much better, its back to looking at exiting cause I will not ever feel better if I stay in this house or even in that country. And my family can thank themselves for finally pushing me to the point where I really don't care what happens to them once I am confidently gone.
So I have shit family, shit friends, no job, my family is actively trying to strip me of any kind of power or leverage with what I do own, changing the conversation as necessary if it means I stay trapped. All because I unfortunately expressed that I want out and that I am not of the opinion that family is everything or blood is thicker than water. Once I get a job, it probably won't pay well enough to rent and apparently the car I part own isn't really mine while I live in my mom's house (which is also legally, partially mine) by her logic. Public transit is very expensive, so if I rent without a car that's even more money I'd have to make. I'd also have to accept the risks that come with public transit in a murder-loving country esp a murder-against-women-loving country vs just brute forcing the mental trauma of staying at that pitiful excuse of a home.
This was a lot longer than planned and if you read all of that, thank you. Sincerely. If you have any tips on how to cope in a high stress, high pressure environment besides hobbies, meditation and exercise - enlighten me. If you skipped to the end, I am not doing a TLDR. I will just wish you blessings and I hope that your life is on a better trend than mine ever was.

Attempt #1 + First 300 Words
Attempt #2
Hello again!
This is likely my last attempt until the book is fully completed and ready for querying, but I wanted to see if I'm on the right track after incorporating all the great feedback I got on the last two versions!
Change log: - I honed in more on Ishana's motivations and stakes, making it super clear right off the bat and then tying it back into her interest in Marko in the third blurb paragraph. - I went back to "cozy fantasy with romance elements" because the plot doesn't follow the expected romance beats closely enough for me to feel confident calling it "cozy romantasy". - I changed my bio paragraph to explain why this story is important to me and why I'm qualified to write it/passionate about its subject matter.
Thanks in advance for your time!!

Query

Dear [AGENT],
If socialite witch Ishana Patel can’t find a suitable husband before her fast-approaching thirtieth birthday, she faces an arranged marriage or social and financial exile. When an unexpected letter of inheritance from her estranged grandfather names her the new proprietor of The Bookery, an Arcane bookshop, Ishana seizes the opportunity to fund her continued independence. She moves into one of The Bookery’s two on-site apartments and lists the shop for sale.
In the other on-site apartment lives Dominic “Nicky” Noone, an Ordinary pastry chef who runs his bakery out of the bookshop. Nicky’s childhood passed with a series of foster families, making The Bookery the closest he’s ever come to a proper home. Ishana’s plan to sell the shop leaves him feeling once more like that unwanted little boy with nowhere to belong. So when the bakery’s massive wood-fired oven scares off potential buyers by spitting sparks and belching smoke, Ishana suspects the baker who seems as sweet as his confections is sabotaging her.
But the misbehaving oven doesn’t deter local real estate mogul Marko Zimmler. Suave, wealthy, and brimming with magical energy, Marko is exactly the sort of wizard Ishana should marry. Despite her growing affection for Nicky, she entertains Marko’s flirtations—until a fugitive phoenix emerges from the bakery’s oven to expose Marko’s macabre hobby. Realizing that Marko considers Ishana nothing more than a trophy to be won, The Bookery’s residents hatch a risky plan that will either free Ishana from her social binds or trap her forever in a gilded cage.
THE BOOKERY is a cozy fantasy novel with romance elements presented for your consideration because [PERSONALIZATION]. Boasting the quaint magical charm of Studio Ghibli films like Kiki’s Delivery Service and Howl’s Moving Castle, THE BOOKERY will delight readers of Kate Johnson’s Hex Appeal and T.J. Klune’s The House in the Cerulean Sea. A standalone novel with series potential, THE BOOKERY is complete at [WORD COUNT] words.
I grew up in the Deep South chained by ultra-conservative, old-fashioned ideals of womanhood. Much like Ishana, I refuted my traditionalist upbringing and forged my own path in life. I now work as a software engineer outside Atlanta, where I live with my husband and the many pets we love like children.
The full manuscript of THE BOOKERY is available upon request.
[AUTHOR] (she/her)