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2024.05.21 21:25 Antony-Roshan Anyone got mech core at VIT Chennai?

Anyone got mech core at VIT Chennai?
Here's my choice filling and my seat allotment, luckily got what I desired. Mech guys lets get in touch!
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2024.05.21 21:10 BleepBlimpBop $RILY DD: Long List of Short Seller Claims --- DEBUNKED with proof!

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: this sub disallows image posts. There is a similar post in the RILYStock sub which contains virtually all source images for the claim in the comments (too many images to embed in the post). The source images are illuminating.
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” Repaid in fullFALSE , 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.” Full redemption FALSE 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.” Core Scientific IncExela Technologies Arena Group Holdings FALSE a. . repaid early and in full ($111MM of the “risk”) b. repaid term loan in full ($55.8MM of the “risk”) c. 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” is in full compliance FALSE RILY 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 extremely valuableFALSE Segment is . 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. Audited 10-K FALSE 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" Sullivan and Cromwell FALSE 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 MarcumFALSE 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 NomuraFALSE 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." stated by the company UCC search FALSE As , Simple 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’ “ hit the 5yr SEC ruleFALSE Marcum audit partner was working on the audit the whole time; the original audit partner had , 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. hit the 5yr SEC ruleFALSE Marcum audit partner was working on the audit the whole time; the original audit partner had , 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 5 consecutive yearsFALSE 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 . 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 Marcum is a highly respected auditorFALSE The auditor is fully qualified. ; 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" reduced 24Q1FALSE The dividend did not go away. It was from $1.00/share to $0.50/share, to allow them to opportunistically allocate capital. 23Q4 and
There are too many source images for the claims above to embed in a reddit post, and this sub doesn't allow images in comments. Images can be seen on a version of this posted to a sub that discusses RILY in the comments (~55 images). All claims can be sourced on the various social media venues and websites utilized by the short sellers. Other sources include: 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. 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.
submitted by BleepBlimpBop to smallstreetbets [link] [comments]


2024.05.21 21:07 Alarming-Feeling-461 Looking for a little guidance for online masters programs

Hello everyone!! I’ve been non stop reading threads about online Masters Degrees in Clinical Mental Health Counseling Programs and I’ve created a spreadsheet of accredited schools that offer online programs. Most (but not all) of the threads I’ve found are about a year old or older. I know- there’s a lot of disagreement on whether online is a decent option, but I work full time and homeschool my kiddo so there’s only the evenings and weekends. So it is what it is. I’m also not trying to spend over $50k if I can help it, but quality of education and reputation are important to me.
My only hang up in my research so far is- how do I find out/ figure out if research & studies in psychedelics is something they offer or are open to? I’d really love to earn my masters from a school that sees this as a positive (if that is something that exists). I have personally dug into research about psychedelics quite a bit and plan on being a facilitator in my state if/when it’s legal because I truly see this as the future of therapy. For reference- I’m in Melbourne Beach, Florida, so if there’s schools near here with excellent online programs that won’t bankrupt me, I’m all ears! Or- if you just know of a great online program please feel free to drop that here too! Thank you all so much! 💕
submitted by Alarming-Feeling-461 to CounselingPsychology [link] [comments]


2024.05.21 20:18 djames2992 My wife (32F) hates my (33M) mother (67F), causing huge issues between us. Is there a fix or is this unfixable?

Hello all -- first time poster here. Sorry for the really long post, I guess part of this is therapeutic for me just to write out.
I've really been struggling recently, as my wife has come to absolutely despise by 67 year old mother, and I'm not sure if there's anything that can fix it.
A little bit of my history. I've always been very close with my family. I grew up in a south Asian household (although I always felt we integrated nicely with a lot of American culture -- both me and my sibling have lived in a large US city our entire lives and consider ourselves American both in culture as well as nationality). However, as in many Asian cultures, respect for elders is extremely important. I always had a parent-child relationship with my parents (meaning that they were in charge, and not interested in being my friend, but rather my mentors and provided invaluable guidance over the years). Both of my parents sacrificed a lot for me and mysibling, but especially my mom who chose to forgo advancing her own career, and to work part time in order to raise my sibling and I. I've always had a good relationship with my mom, although we've had our share of fights over the years (we're both pretty stubborn), but they typically last no more than a 3-5 days on average and then things are completely back to normal. I would say this happens an average of 1-2 times per year at most. I do feel very close with my mom (& my dad as well, but my wife doesn't seem to have any issues with my dad so I'm not focussing on that part). I do believe that much of the success I have achieved in life is directly attributable to the sacrifices my mom made as well as the time she spent raising and teaching me. I have always respected my parents, which is typical of Asian culture. By respect, I mean things like not talking back, valuing their opinions, and trying to make their life easier or happier in small ways (visiting them on weekends, going out to dinner together -- we live roughly 40 minutes apart).
A bit of my wife's history -- she grew up with her parents being divorced from a young age. Both of her parents are wonderful people who I really adore, but they were extremely lenient with her growing up (they were not on top of her with regards to schoolwork, she would talk back to them at times without getting in much trouble, she was able to sneak out of her house as a teen, etc.). These are by no means egregious offenses, and I suspect many kids do the same at that age. However, there was a clear difference in her relationship with her parents -- there was no real enforcement of rules or punishment for breaking rules. Through my lens, it seems that this has manifested as a lack of respect for her own parents, as well as her elders. She mostly has a good relationship with both of her parents, but when she does disagree with them, she talks to them in ways I could never imagine speaking to my own parents (talks back, hangs up on them, etc.). She says that she needs to "put them in their place" at times, which I also find rude. Overall, I would say she grew up much less "family-oriented" than I did, for what it's worth.
My wife is also somewhat of a nomad (mostly not by choice). She moved a few times growing up (within the same state, but different areas), and then went out of state for college, only to leave after 1.5 years and finish at a local state school (in a different state) where her mother lived at the time. Because of this, she has very few close friends, and the ones that she does have are spread out all across the country on different coasts. This is in stark contrast to me. I've been lucky to maintain the same group of friends that I've had since we were 8 or 9 years old. On top of that, most of them have stayed in the same area that we grew up in (where my wife and I now live). I think the lack of a social circle has affected my wife since she moved to my city, but I'm not sure what solution there is for that since there is no city we could live in where she would have a group of close friends or family (her parents live in different states and split time between different states, her 3 closest friends live in 3 different states).
I've known my wife for 8 years and we've been married for 2.5. I love her. She is a great person; she is kind, compassionate, loving, and at her core truly does care deeply about others (though I feel that this does not always come across in the way she talks to her own parents). She's funny, adventurous, and up until recently, I was always happier around her. We were recently blessed with the birth of our son, who is now 11 months old. Our son is the best thing that has ever happened to us, but his arrival seems to have simultaneously strained our relationship in ways I did not anticipate. I knew that the sleep deprivation would be hard, and our lives would change drastically. What I did not envision was a deepening hatred that my wife has developed for my mom.
Prior to the birth of our son, my wife did not have much of an issue with my mom other than thinking she was "needy" for wanting to see myself and my sibling once a week, even if it was just for a dinner (again, we live roughly 40 minutes apart, and my parents are typically willing to drive to us, meet us at a restaurant, or have us over). My mom does tend to be picky with where we eat out (she doesn't eat most meat, and prefers vegetarian options), but that never really bothered me, though it seems to bother my wife that my mom is "getting her way", even though this was at most 1 meal in the week.
I know that my mom can certainly be stubborn and hard to deal with at times, but I know her very well, and I always felt that she was inclusive of my wife, and never did anything that warranted being strongly disliked. The one exception to this was during our son's baby shower. We had planned a large party with a lot of family and friends that my parents hosted (their house is large enough to accomodate a party of that size). During the baby shower, my mom helped arrange catering of food, ordering tables, chairs, tablecloths, and hiring a bartender (my parents also paid for all of this). My wife did not like my mom's taste with regards to tablecloths and chair decorations and she was irritated that my mom wanted to help and be involved in the planning (though to her credit, my wife did not outwardly show this discontent to my mom, though it was certainly made known to me). My wife handled the floral arrangements and other decorative pieces such as a backdrop, and spent a lot of time and effort getting them exactly how she wanted. I kind of sensed that my mom felt that she was being taken for granted and underappreciated by my wife (she did take care and pay for a lot), and my wife felt that my mom was being overbearing with planning, and also felt that my mom was purposefully spiteful (my wife claims that every other member of my family commented on how nice the floral arrangements were, but my mom never did). This culminated in a "fight" where my wife wanted a decorative piece in one part of the yard and my mom wanted it in another part. There was some exchange of words at the time, though I did not witness this. This left my mom feeling that my wife was "disrespectful" and left my wife hating my mom for not honoring her decision about where to place the decorative piece, since this was her baby shower. This led to a very upsetting experience for my wife and I as we really did not enjoy the baby shower at all (although this was not evident to our guests or other family members, as we were able to "fake it"). My wife was particularly upset after the baby shower when we drove home since she felt that it was supposed to be a special day for her, and my mom ruined it, which I mostly agreed with. To her credit, my mom did apologize to both my wife and me the following day, and told us that she had been under a lot of stress with many family members staying at their house, taking care of meals, sleeping arrangements, etc., and her stress got the better of her. I was willing to accept her apology and move on, but my wife has always held a grudge since that time, and feels that the apology wasn't genuine. Again, I've known my mom for a long time and she would rather not apologize at all than do so disingenuously. My wife however insists that she can read my mom better than me, since I'm biased. Nonetheless, we moved forward.
After the birth of our son, my parents and my wife's parents were overjoyed (he is all of their first grandchild). Again, we live near where I grew up so my parents are much closer to us than my wife's parents are. After the birth of our son, my wife's mom rented a place near us for 4 months to help with the baby and chores, etc. I never had any issue with this, even when she would come over multiple times a day, or even unannounced at times (this was not something that bothered me). My parents were (& are) also very eager to spend time with their grandchild, and initially were coming over every other day to see the baby, which then decreased to about twice a week, since he has been 3 months old. My wife has begun having major issues with my parents coming to see our son twice a week now. Perhaps what is most irritating to me is the fact that I anticipated this issue beforehand. I specifically asked my wife when our son was 1 or 2 months old "how often would you be okay with my parents coming to see him?", and her answer was "I would be so happy if it was just twice a week", (which she felt would be a huge improvement over the every other day they were initially coming when our son was a newborn). I assured her that twice a week was very reasonable and she said she'd be happy with that.
Fast forward to now -- my mom comes to visit twice a week for 3-4 hours and my wife says its too much. She says it's suffocating, that she shouldn't have to live her life around my mom seeing our son (which my wife does not, she always tells my mom which days to come, and they are different each week depending on what my wife wants to do), that she feels like she had a kid just for my mom to play with. Again, my mom is never insistent on what days or even times to see our son. She certainly appreciates seeing him regularly, and I always wanted my son to have a close relationship with his grandparents (both sides), as both myself and my wife did growing up. However, my wife's parents do not live near us (and don't come to visit that often). I think this plays a role in terms of her being irritated that my family sees him regularly, but I don't see any solution. Her family is financially able to visit us (very regularly) if they wanted to, but they don't make it a priority. Again, her parents are wonderful people, but they seem to be more interested in their own lives and relationships than they are in forging a deep connection with our son, their grandson (I'm not saying there is anything wrong with it, but it's the opposite of my family who really want to be close with their grandson, even if it's at the expense of time with their own friends).
I should also add that for the past 3 years my wife has not worked. This started prior to us getting married. She left her job because she hated it, and I am lucky to be in a position to financially support us on my own. However, she always told me she would (& wanted to) get a job in a field that she was more interested in, though she has never been able to articulate what that field would be (actually she was adamant that she would have a job before we got married). I tried to encourage her to find fields that appealed to her, even advised her to take risks with entrepreneurship, to see if she could make a career out of something she considers a hobby. I've paid for countless courses, certifications, etc. (90% of which she did not complete -- things like real estate certifications, social media certifications, photography lessons, camera lenses, etc.). Furthermore, I paid for her to see a therapist of her choosing for a few months hoping it would help her gain clarity with regards to what she wants to do career-wise (it did not). All in all, I've probably spent in the neighborhood of 7-8K on online courses, certifications, and she does not have anything to show for it. Once we got pregnant, we agreed that she would take on more of a domestic role (which is what she said she wanted as well, I did not force her into this -- and she was also not doing anything else for work anyway). The point I'm making here is not that I feel she needs to work, it is just that she gets to see our son all the time (it's not like she's going to work and handing our son off to my mom). Also, many times my wife will say "Oh why don't you come on Monday" when we see my mom (which my mom will then do). Then Monday rolls around and my wife is texting me at work all day constantly complaining about how my mom is interacting with our son (she doesn't watch him closely enough, or she doesn't put him in his crib to nap, or she feeds him when she's not supposed to, etc.), how long my mom is staying, how she feels trapped in the house when my mom is there, etc. She basically wants my mom to come over for no more than 2 hours and then leave (again we live about 40 minutes apart).
This issue she has with my mom seeing our son a couple of times a week for a few hours, has started to cause bigger and bigger fights between us. Part of me understands that my wife's lack of her own social circle of close friends, and not having family nearby is contributing to her unhappiness with our current situation. But the other part of me can't help but feel like I've done everything in my power to help, and it feels that she is just complaining about my mom because she's unhappy with where she is in life. I have tried helping her find a career that she would like, I have tried telling her she can remain a stay at home mom if she wants, I have tried getting her a therapist to help her work through her issues, I have tried encouraging her to join mom & baby classes to meet new friends (which she now attends, but hasn't made any real friends during them), I have offered to joint local couples meetups with her to meet new friends if that would make her more comfortable, I have encouraged her to invite the few local friends she does have over for dinner or even go out with them while I watch the baby, I have offered to move to a part of the city that is even further from my parents, and I've even offered to move cities altogether to be closer to her own family (although her family does not reside in just 1 city, they split time between a few). I've also told her to voice her issues to my mom and hash out whatever the issues are, but she says my mom will see it as disrespectful and "make things even more awkward" (which may in fact be true, but in that case I've told her we would just see my mom less, which is what she wants anyway...). Each time I suggest something, I feel that it is met with resistance or some excuse as to why it won't work (for instance when I suggest moving cities, she says no because I'll "use that against her" in the future if we fight). I'm just not sure where I can take it from here. I'm sure couples counseling has to be a part of the solution in some way, but I'm not sure what they are going to be able to offer that I haven't already tried.
I guess I'm just looking for advice. My guess is my wife wants me to just straight up tell my mom she can't come over twice a week anymore (but I could see my wife having a problem even if it was just once a week), for no good reason. My mom has no idea my wife despises her, and me just randomly telling my parents they can't come over anymore for no apparent reason would cause a rift between me & them. I love my parents and they're only getting older. They're not going to live forever, and I would feel awful if I told them they just can't come to see their grandson because my wife doesn't like my mom for no particularly legitimate reason.
Thanks in advance to whoever read through this, and for whatever advice you can provide.
TLDR - I feel like I've bent over backwards to make my wife happy but she still has a major issue with my mom that I don't know how to resolve.
submitted by djames2992 to relationship_advice [link] [comments]


2024.05.21 20:15 AlgaeEasy7009 Just got placed in VIT Chennai ECM Cat 2

Just got placed in VIT Chennai ECM Cat 2
Hello Guys,
I got placed in ECM (electronics and computer engineering) in category 2. Is it worth taking this branch. How are the placements and situation of this branch in the campus
https://preview.redd.it/yg7o5zd2ot1d1.png?width=895&format=png&auto=webp&s=2c9dea7a8979564e2e688ad759b45716c35429ee
submitted by AlgaeEasy7009 to Vit [link] [comments]


2024.05.21 19:26 MWBartko Considerations on Sexual Immorality, Gender Identity, and my friends Non-Denominational Church.

Considerations on Sexual Immorality, Gender Identity, and my friends Non-Denominational Church.
A good friend of mine from a fairly conservative evangelical background is considering becoming a pastor at his non-denominational church. As part of the evaluation process, they asked him to write a paper on these topics that he is not an expert on.
He asked for my opinion and I offered to share it online to solicit constructive criticism, notes of encouragement, and or reading recommendations on these topics.
I believe his goal is to be faithful to the scriptures, loving to those outside the church, and challenging to those inside the church, as most of us could do better.
What he wrote is in the quotation marks below.
“1: Scope of the Issue
Sexual immorality has become a besetting and ubiquitous issue in our culture and in our churches. While many aspects of it are not novel or unique to this time and have clear scriptural input, there are others that bring challenges to our church for which we don’t have obvious precedent. The main point of these comments is to try and answer three questions with some degree of specificity: (1) how do we make ourselves a place where people who do not know Christ will feel welcome to come and learn of Him regardless of where they come from, (2) how do we pastorally care for people who have come in to the church with pre-existing circumstances related to sexual immorality, and (3) how do we equip our members to represent Christ to those in their lives that are dealing with these issues. We want to do this in a way that does not “walk a tight rope” or compromise to appease, but honors Scripture in its commands to both show compassion and exhort and correct. We must recognize that every individual circumstance is unique, and many will require careful and prayerful consideration, but this is meant to give a framework for that consideration.
2: Scriptural Basis for Corporate Response
There are many references we can point to that discuss and define sexual immorality throughout Scripture and many of these will be used below as we consider specific examples and situations. Let us start, however, by looking at passages that deal with corporate response rather than individual sin. It is clear that the Corinthian church had significant issues in this area, and much of Paul’s first letter was devoted to it. In chapter 5, Paul states that when sexual immorality is discovered in the church we should “mourn” over it and “not to associate with immoral people.” Importantly, he also makes clear in vv. 9-13 that these comments only apply to those “who bears the name of brother.” He explicitly writes, “not at all meaning the sexually immoral of this world…for what have I to do with judging outsiders?” This is key in informing our response to those who are not members of the church. If it is our desire to see sinners come through our doors and come to know our Savior through our ministry, then we must be welcoming, accepting them where they are. This is not to say we hide or compromise the biblical position, but it is not an issue on which we want to filter people at the door. There are three categories of people in sexual sin that we need to form a response for. First, those just coming to the church who have not committed to it – these should be treated the same as any we are reaching out to with Christ’s love. They need Jesus, not behavioral change. Next, those who have recently joined the church but have pre-existing sexual sin patterns. This can and should be addressed with patience, dignity, and love. There are often many sin areas in the life of a new believer, and it is prudent to discern how and when to address each of them. Lastly, those who have been members in the church for some amount of time and fall into sexual sin. This is the group that Paul is primarily addressing in 1 Corinthians. While sex within marriage is a private issue, sexual sin cannot be a taboo topic. It needs to be addressed regularly and clearly. We need close enough relationships within the church that such problems do not fester in the dark. We must avoid the typical church pattern to vilify the first group, never see the second group, and pretend the third group doesn’t exist until it all blows up in scandal. May it never be.
3: Consistency Issue
There is a tendency in our Christian culture to treat some sexual sins as worse than others. Like the Corinthians, some things we seem to have accepted as just ubiquitous parts of our culture. Knowing the prevalence of promiscuity and fornication among teens and single adults and usage of pornography even within the church, we tend to address these as issues of indwelling sin, similar to anger or fear of man, with offers of accountability and understanding when someone falls. By contrast, when it comes to homosexuality or adultery, it is often a church discipline issue. We view homosexual marriage as a major problem, but remarriage after a non-biblical divorce is rarely addressed. These inconsistencies lead to stigmatization and polarization and should have no place in the church. The criterion for escalation should be unrepentance, not the nature of the sexual sin. It is clear from 1 Corinthians that all should be taken seriously, but none should be vilified above others.
4: Culture and Identity
The major underlying problem with many of the sexual sin and gender issues is that they have come to be culturally bound up with people’s identities. This is not a new phenomenon and is not unique to this issue. As far back as Acts 19, you see people becoming “enraged” because Paul had threatened the Ephesians’ cultural identity as worshipers of Artemis. People continue to find their primary identities in their employment, hobbies, sports teams, or families rather than Christ. None of these should be accepted, but none should be reviled either. If a person does not know Jesus, they are dead. How they identify themselves is of no concern. Once they have been made alive, they can be taught that “whose” they are is more important than “who” they are. All identity outside of Christ is not sinful, but if it takes paramount importance, it may become so. A person who recognizes a tendency toward same sex attraction may label themselves as gay or lesbian. This should not be considered a sin issue unless it becomes, for them, their defining characteristic or leads to sinful actions. We should recognize the difficulty of this struggle and support such a person rather than get hung up on labels. There must be clear distinction between identifying same sex attraction and engaging in homosexual behavior. These should be the guiding principles underlying everything that follows are regards individual cases.
5: Public Facing Information, Guests, and New Attendees
Considering what we have discussed, and Paul’s assertion in 1 Corinthians 5 that we ought to reserve judgment on sexual immorality to those we call brother, I would submit that public facing information regarding the church (i.e. website, app, etc) should not publish a position on sexual immorality, marriage, and gender identity. Doing so effectively places the filter at the door so that people who do not know Christ may be turned away from it. This is not tantamount to tacit approval. In appropriate contexts within the church, these topics should still be discussed and addressed, but I do not believe it is consistent with a biblical treatment of unbelievers to place it in a public facing forum. If we have guests or new regular attendees who appear to be engaged in a cohabitating or fornicating relationship, a homosexual relationship, or other sexual sin, this should not be a priority to address unless we have discerned that they are believers and join the church. Even then, it is important to draw a distinction between someone who deals with same-sex attraction and someone who engages in homosexual behavior. The next seven points are meant to discuss, in broad terms, how we should address those who join the church with pre-existing relationships or identity issues:
6: Promiscuity, Cohabitation – Hebrews 13:4, 1 Cor 7:1-2, Ex 22:16
Much of the biblical discussion on promiscuity is by inference. Clearly, sex was meant to be inseparably linked to marriage and outside of that context should be considered immoral. For those who join the church already in a sexual relationship who are unmarried we should apply Exodus 22:16 and encourage them to marry as soon as possible. If they do not wish to marry, they should be encouraged to separate. Paul acknowledges in 1 Cor 7:2 that marriage is the best remedy for “temptation to sexual immorality.”
7: Adultery, Divorce and Remarriage – Matt 5:32, Matt 19:9, 1 Cor 7:10-11
This issue is given much more explicit biblical instruction but is often glossed over in our Christian culture due to the messy landscape of divorces and remarriages. In cases where non-biblical divorce has occurred, if reconciliation is possible, this should be pursued. If reconciliation is impossible because one or more parties have remarried, it would not be sensible to divorce again in order to achieve reconciliation. The principle to apply here, I believe, is from 1 Cor 7:17-24 summarized in verse 20: “Each one should remain in the condition in which he was called.” This is not an ideal circumstance, but it is the best way forward in an imperfect world. Of note, polygamy was common in the culture of the early church, and while not ideal, was accepted by the church, as evidenced by the qualifications for elder to be “a husband of but one wife.” We have polygamous cultures even within our local community and if they came to Christ, we should not counsel them to divorce all but one wife and thus disrupt their social structure. It is not ideal and would disqualify them from eldership, but they should remain as they are. Whether marriage after unbiblical divorce in the past disqualifies a man from eldership is a case-by case question for the eldership.
8: Pornography, Sensuality, and Lust – Lev 18:6-18, Matt 5:28
As mentioned above, use of pornography has reached a high saturation point within our culture and within our church. While once thought of as simply a male issue, there is a growing trend toward gender parity in pornography usage. It is an issue that should be discussed with some frequency within our church. For those that join the church and view pornography regularly, it needs to be made clear that while the world has largely destigmatized it, it is still sexual immorality. Furthermore, this isn’t just limited to nudity and pornography, but any sensuality that leads to looking at someone “with lustful intent” is the heart equivalent of adultery according to Matt 5:28. In our culture, it is not possible to avoid such things by just turning away. We need to address the heart issues of idolatry, selfishness, and satisfaction in Christ. Practically, how should we deal with those who have on-going struggles with pornography, sensuality and lust? Should this preclude them from eldership? From deaconship? Taken strictly, this would preclude nearly all men from eldership. These require individual evaluation from the elders, but a guiding principle should be, if the person is repentant and there is evidence of growth in their life, we should consider more responsibility and continued discipleship.
9: Homosexuality – Lev 18:22, Lev 20:13, 1 Cor 6:9, 1 Tim 1:8-11
From the above references and others, it is evident that homosexual behavior is sexual sin. We cannot equivocate on that point. As we have discussed above, if a person who is already a believer and in the church and struggles with same sex attraction, we should approach them as we would handle anyone who is sexually attracted to someone to whom they are not married. If such a person decides that homosexuality is not sinful and begins sexually immoral activity, we should deal with them in the same way as any member who falls into unrepentant sin and go through the processes of correction and, if necessary, of church discipline. It is important that we draw a distinction between same sex attraction and homosexual behavior. We can do tremendous harm by demonizing same sex attraction and creating a taboo around it. A person who is struggling to abstain from homosexual behavior should be supported and encouraged. I believe Paul’s strong statements about not associating with sexually immoral people applies to those who remain unrepentant. Much more nuanced is the issue of how we address those that join the church already in a homosexual relationship. What about the married homosexual couple who join the church with their adopted child? Should we break up their family? I believe, in this case, the same principle should apply as to those who have gone through an unbiblical divorce in the past. We should apply 1 Cor 7:20: “Each one should remain in the condition in which he was called.” We can recognize that this is not ideal, but it is the best we can do in a fallen world just as we do with someone who is married after unbiblical divorce. Whether should apply to a homosexual couple in a long term committed relationship who are not legally married would be an individual discussion with the elders. Again, these are nuanced cases that will need individual prayer, discussion, and discernment. I believe a great deal more patience is called for when a new believer joins the church that has a history or present reality of homosexuality, even if they are unrepentant at first, believing that homosexuality is not sinful, than we would demonstrate to a person who has been in the church for a period of time and then decides to pursue a homosexual relationship.
10: Bisexuality – Heb 13:4
Bisexual attraction is no more or less of an issue than anyone who finds that they are sexually attracted to someone other than their spouse. This is not a rare or unique circumstance, even within the church. Someone who is practicing bisexuality is, by definition, not confining sex to the marriage bed, and this, therefore, qualifies as sexual immorality. The issue, here again, is one of identity and cultural acceptance. If a person “identifies as bisexual,” the real issue is not the bisexuality, but the fact that they identify themselves primarily by their sexual desires, and not by Christ. It would be equally a problem if they “identified as heterosexual” and that was seen as their defining characteristic. If such a person were to join the church, our priority should be in helping them see their identity in Christ rather than focusing on renouncing their sexual preference.
11: Transgenderism/Non-binarism – Psalm 139: 13-15
It should be noted that the next two points should not be considered in the category of sexual immorality, but as they are connected to the same cultural moment will be discussed here. It should further be remarked that transgenderism is a modern issue with no direct reference in Scripture. It is a challenging issue that often falls prey to oversimplification and scapegoating. It is not sufficient to simply state that a person should identify with their born gender. There are those born with ambiguous genitalia and those born with sex chromosome abnormalities such that “born gender” is not necessarily accurate. These occur with a frequency of 1 in 448 births on average which is not particularly rare. The majority of people who consider themselves to be transgender do not fall into these categories, but the fact remains that these categories exist. Unless we plan to embark on genetic testing, we must be careful how we assert someone’s gender assignment. Furthermore, we must acknowledge that much of the gender confusion in our culture is due to a distortion of biblically accurate masculinity and femininity in our culture of which the church has been widely supportive for generations. Many transgender and non-binary individuals consider themselves so because they do not fit into the traditional boxes our culture has created for the genders. The church can start by recognizing that these boxes are incorrect. We can also acknowledge that gender differences and roles are far less important than most human cultures perceive. Christ himself challenged many gender norms in his ministry and Paul maintains “…there is no male or female, for you are all one in Christ Jesus.” (Gal 3:28b) It is much more difficult to recognize this issue as a sin issue than many of the above concerns. If someone wishes to be addressed by different pronouns than they once did or dress differently than they once did, this does not amount to immorality. Once again, this can be an idolatrous identity issue if the person sees it as the central characteristic of their lives. There is often an inherent pride in asserting that such a person does not feel they fit in the body created for them, but if they come to love Jesus and understand and believe that they are “fearfully and wonderfully made” then this issue may become moot. Whether or not they revert to dressing differently or using pronouns they did when they were younger is largely immaterial. This also addresses the issue of people who may have undergone permanent physical changes. While we should not endorse such modification if it is being considered, there is no reason to reverse such a thing in order to return to a base state. We must recognize that this is a group that has a high propensity toward mental health concerns, instability, and suicidality. They need love, support and prayer, not scapegoating and extra-biblical expectations of conforming to a cultural norm. We must further note that this group as well as the homosexual group have often experienced psychological and even physical harm from others in our culture, sometimes in the name of Christ. We must foster an environment of champions physical and psychological safety for these people.
12: Asexuality – 1 Cor 7:25-38
Asexuality also should not be considered sexual immorality. There is, in fact, wide support in Paul’s letters such as in 1 Cor 7 for people, if they are able, to remain unmarried and be “anxious about the things of the Lord, how to please the Lord.” We tend to champion the model of the nuclear family in our Christian culture, but Paul sees chaste singleness as a better way. There should be no pressure from the church to make sure that single people pair off and get married because it is expected of them. As this state has been culturally identified with the LGBTQIA movement, it is seen on the same spectrum as the sexual immorality and gender issues discussed above, but it is not. It can still fall prey to the same issue of an idolatrous identity as some of the above issues, but it need not be so.
13: Glass Ceiling
In the event that God sees fit to bring people from these subgroups into our church, there would inevitably be a glass ceiling. The question is at what point. The four logical points are: regular attender, member, deacon, and elder. Regardless of their background or position, all should be welcome to be a regular attender. It is also clear, from the biblical requirements for eldership, that on-going problems or engagement in any of the sexual sins would disqualify them from that post. The middle two are less clear. I would submit that the bar for membership should be very low. This step, in my opinion, is when they would “bear the name of brother” and not before. Even if they disagree about the sinful nature of homosexuality, this should not disallow them from becoming members as long as they agree to submit to the churches position and not cause division. Allowing them to become members gives us the pastoral authority to speak into their lives, and we would hope that over time the Spirit would work in their hearts to convince them of the truth. Putting such a person in a deacon role would probably not be wise but would need to be evaluated prayerfully on a case-by-case basis. The difficulty here is that, while a position on homosexuality is not a salvific issue and should not be considered a core doctrine in the same way as the deity of Christ, for example, it is a sin issue. There is a limit to how far we can “agree to disagree” and still uphold our duty to root out sin in our midst. Once again, we should also distinguish between a struggle with same sex attraction and engagement in homosexual behavior when we consider our response. There is also a glass ceiling when it comes to marriage. While I believe we should not break up existing homosexual marriages, we should not participate in creating them. The marriage covenant between a man and woman was created, in part, to reflect the relationship between Christ and the church (Eph 5). This should not be co-opted to excuse or normalize immorality.
14: Nuance and Edge Cases
The above outline is by no means meant to be exhaustive or definitive. It is meant to provide a lens, supported by scripture, through which we can view these issues and consider corporate and pastoral responses. It should inform how we view the people that walk through the door from a wide range of backgrounds and how we equip those in our church to be Christ’s ambassadors to those in our community. Every person and circumstance, history and baggage will be different, and any non-nuanced position would be inherently evil. I pray we have many opportunities to talk, think and pray through specific situations that God would bless us with the chance to be a part of. What an honor it would be to be used to reach into broken lives like these with the Gospel of Grace.
15: Action Steps
As we consider practical and philosophical ways of responding to the above, I believe we should start from a position of corporate repentance. If we wish to truly reach out and touch the lives of broken people in need of a Savior who live a life of same sex attraction or gender dysphoria, we need to begin by recognizing that a great deal of harm, emotional and physical, has been inflicted on this group by the Church for generations. There are homeless people living in our area who were kicked out of their homes by parents holding a Bible. There are those who have been subjected to horrific methods that amount to torture under the guise of “Conversion Therapy” from Christian organizations. The only “conversion” we should concern ourselves with is to a regenerate heart. Attempting to change someone’s sexual attraction is very much beside the point. We cannot hope to be a place where such people can hear about Jesus unless they feel safe to enter our doors. We must also fight the tendency to consider sin in this area as something worse than others, even in non-Christians. James 2 says “…For whoever keeps the whole law but fails in one point has become guilty of all of it….So speak and so act as those who are to be judged under the law of liberty. For judgment is without mercy to one who has shown no mercy. Mercy triumphs over judgment.” As we consider corporate and pastoral responses to the argument above, we must start by removing our own planks and repenting for the historical actions of the Church.
Practical steps that we could consider taking would include: removing the statements from the website about marriage and sexuality, especially directly under our Core Beliefs. Again, this is not meant to hide or equivocate on the truth, but not to set such a barrier before someone even walks through our door. Secondly, we should consider how to address these topics within the church. A Sunday morning sermon is not ideal as it is time limited and a unidirectional conversation. A small group course format would be a consideration. We need to equip parents and family members of adolescents, teens, and adults with language to talk about these things in loving, humble, God-honoring ways. In the longer term, we need to consider how we can make our church a place where people would feel comfortable inviting friends and family who look, think and act differently than we do. We need to find a way of projecting safety and inclusion even in our public facing information. This isn’t a balancing act where we must make it clear early and often that we “love the sinner but hate the sin” as the saying goes. We just need to love the sinner. Dealing with the sin can come later God-willing. A third application point is to be mindful of what we say and what we allow to be said without being checked. Certainly, joking at the expense of those who are dealing with these issues is unacceptable, but we also need to work to avoid getting dragged in to pseudo-political discussions on bathroom issues, sports issues or other divisive concerns that have no bearing on the church.
I recognize that these proposals have the potential to divide the church. There are some who may leave the body over these sorts of changes. I would argue that it is our responsibility to them as well as to the unreached in our community to have those discussions and risk some of them leaving over it. These are not all things we should change overnight but after ample opportunities for discussions and prayer.
16: Conclusion – Mark 2:15-17
At its core, these are not issues of who someone loves, sexual attraction, or even specific sex acts. The core is idolatry and identity. When acceptance by others, self-determination, or physical pleasure become the central force driving our lives then we have become idolators. Though our idols take on different shapes, the struggles in this space are shared by all. Whether you are identified by your profession, your family, or your gender identity, you are not being identified by your Master. Building fences around or within the church because someone sins in a different way than us cannot be allowed. Making the excuse that we are somehow “protecting our children” by shielding them from people in our community who desperately need a Savior will not show our children who Jesus is. Within the church, we cannot be afraid to “speak the truth in love.” We need not and cannot shy away from sin in the church, but we must recognize that the Spirit works in each of our lives. Often this happens over a period of time. We should be prepared to walk alongside our brothers and sisters in this journey for as long as they need.
There is a significant correlation between this community and their relationship with religious groups, and the “tax collectors and sinners” that Jesus sought out in His ministry and their relationship with the religious leaders of the day. Our heart should reflect His. Jesus responded: “It is not the healthy who need a doctor, but the sick. I have not come to call the righteous, but sinners.” (Mark 2:17) If our church was filled with transgender people and gay families that loved Jesus, God would be glorified.”
Thank you in advance for any constructive criticism, notes of encouragement to and or reading recommendations on these topics that I can pass along.
submitted by MWBartko to TrueChristian [link] [comments]


2024.05.21 19:09 Significant-Bank6941 I need some outside opinions and advice on what I should do about my relationship? I am 36F my bf is 26M and he has zero motivation.

My bf was a virgin when we met. We worked together and we fell in love and he moved in with me. I have 3 children from my past relationship. When covid hit, I had to stay at home taking care of the kids and basically homeschool them for 3 years. And now they continue to do online school. I found a work from home job. He does doordash and Uber. He used to work non-stop and made decent money doing it. But for the past year, he has completely slowed down. He will work just a few hours here and there, not even making enough for the month to cover his share of bills he pays. His share is $800. I cover everything else, literally everything. He also uses my car while his truck sits parked with barely 50k miles. He says he's sick of doing doordash. I told him to find a part-time job since the minimum wage is nearly $20. My father has offered him a career where he works, which is the equivalent to Boeing. No exp is needed, and he will just give him whatever type of work he wants to try and whatever shift or schedule. He says he doesn't want to work. He thinks it's not fair that he has to work his ass off all day and be broke. And that he can't just make passive income.
I'm tired of taking care of the entire house and work and being busy with the kids and coaching, etc, but I do it. He stays up all night playing on his PC. He will go to bed when I'm getting up in the morning. Our bedroom is so messy that I refuse to go sleep in there at night. He says he won't work because I won't do what he expects of me. Come to bed at night and have sex. I told him I would if he kept the room clean and if he would go to work and came out of the room to spend time with me and as a family. He said I could just as easily come into the room during the day if I want to see him.
He used to love going and doing things together. But now he just doesn't ever feel like going and doing anything. His attitude is negative he has excuses for everything, and on the rare occasion he comes out, he seems miserable. I don't know what went wrong or how to fix this. Every time I try to work this out and we talk and agree to do this or that, he still continues to do what he does. He says he has zero motivation to work or do things if we are upset or if I don't come to the bedroom at night. We talk, and I'll hold up my word while he never holds up his..this is the first time i haven't just gone along with it. I dont want to sleep in my room when theres dirty dishes and trash, im done taking care of him like a mother. I'm not sure if he's unhappy and wants to break up but doesn't want to do that bc of the relationship he has with the kids or the relationship I have with his mother, we are very close and she sees my kids as her grand children. I don't know if he's just in a rut or depressed what do I do?
TL;DR My bf 26M (Im 37F) is super unmotivated and just seems extremely u happy. What do you think I should do? Do we need counseling?
submitted by Significant-Bank6941 to relationships [link] [comments]


2024.05.21 19:07 Icy-Performance-6969 Practical Tips for Muslims to Enhance Daily Life

السلام عليكم ورحمة الله وبركاته everyone,
I wanted to share some practical tips and resources that can help Muslims in their daily lives. Whether you're looking to deepen your faith, manage your time better, or find community support, these tips might be useful.
1.Spiritual Growth: - Daily Prayers: Establish a consistent prayer routine. Apps like Muslim Pro can help you keep track of prayer times and Qibla direction. - Qur'an Reading: Set aside time daily for Qur'an reading. Apps like Quran Majeed or websites like Quran.com provide easy access to the text and tafsir.
2.Health and Wellness: - Halal Nutrition: Ensure your diet is halal and nutritious. Apps like Scan Halal can help you check the halal status of food products. - Mental Health: Take care of your mental well-being. Organizations like the Khalil Center provide faith-based counseling services.
3.Community Engagement: - Volunteering: Get involved in local charity work. Many mosques have outreach programs that need volunteers. - Study Circles: Join or start a halaqa (study circle) to discuss Islamic topics and build community bonds.
4.Education and Learning: - Online Courses: Websites like AlMaghrib Institute and SeekersGuidance offer a variety of online courses on Islamic studies. - Books and Lectures: Read books by reputable scholars or listen to lectures by speakers like Dr. Zakir Naik and Omar Suleiman for deeper insights into Islamic teachings.
5.Financial Management: - Zakat and Sadaqah: Plan your charitable giving by calculating your zakat accurately. Websites like NZF (National Zakat Foundation) can assist with calculations and distribution. - Islamic Banking: Explore Islamic banking options for interest-free financial services.
I hope these tips help you in your journey. Feel free to share more resources or ask any questions. Let’s support each other in our faith and daily lives!
Looking forward to your thoughts and additions!
submitted by Icy-Performance-6969 to MuslimLounge [link] [comments]


2024.05.21 18:52 Icy-Performance-6969 Practical Tips for Muslims to Enhance Daily Life

السلام عليكم ورحمة الله وبركاته everyone,
I wanted to share some practical tips and resources that can help Muslims in their daily lives. Whether you're looking to deepen your faith, manage your time better, or find community support, these tips might be useful.
1.Spiritual Growth: - Daily Prayers: Establish a consistent prayer routine. Apps like Muslim Pro can help you keep track of prayer times and Qibla direction. - Qur'an Reading: Set aside time daily for Qur'an reading. Apps like Quran Majeed or websites like Quran.com provide easy access to the text and tafsir.
2.Health and Wellness: - Halal Nutrition: Ensure your diet is halal and nutritious. Apps like Scan Halal can help you check the halal status of food products. - Mental Health: Take care of your mental well-being. Organizations like the Khalil Center provide faith-based counseling services.
3.Community Engagement: - Volunteering: Get involved in local charity work. Many mosques have outreach programs that need volunteers. - Study Circles: Join or start a halaqa (study circle) to discuss Islamic topics and build community bonds.
4.Education and Learning: - Online Courses: Websites like AlMaghrib Institute and SeekersGuidance offer a variety of online courses on Islamic studies. - Books and Lectures: Read books by reputable scholars or listen to lectures by speakers like Yasir Qadhi and Omar Suleiman for deeper insights into Islamic teachings.
5.Financial Management: - Zakat and Sadaqah: Plan your charitable giving by calculating your zakat accurately. Websites like NZF (National Zakat Foundation) can assist with calculations and distribution. - Islamic Banking: Explore Islamic banking options for interest-free financial services.
I hope these tips help you in your journey. Feel free to share more resources or ask any questions. Let’s support each other in our faith and daily lives!
Looking forward to your thoughts and additions!
submitted by Icy-Performance-6969 to converts [link] [comments]


2024.05.21 18:44 Icy-Performance-6969 Practical Tips for Muslims to Enhance Daily Life

السلام عليكم ورحمة الله وبركاته everyone,
I wanted to share some practical tips and resources that can help Muslims in their daily lives. Whether you're looking to deepen your faith, manage your time better, or find community support, these tips might be useful.
1.Spiritual Growth: - Daily Prayers: Establish a consistent prayer routine. Apps like Muslim Pro can help you keep track of prayer times and Qibla direction. - Qur'an Reading: Set aside time daily for Qur'an reading. Apps like Quran Majeed or websites like Quran.com provide easy access to the text and tafsir.
2.Health and Wellness: - Halal Nutrition: Ensure your diet is halal and nutritious. Apps like Scan Halal can help you check the halal status of food products. - Mental Health: Take care of your mental well-being. Organizations like the Khalil Center provide faith-based counseling services.
3.Community Engagement: - Volunteering: Get involved in local charity work. Many mosques have outreach programs that need volunteers. - Study Circles: Join or start a halaqa (study circle) to discuss Islamic topics and build community bonds.
4.Education and Learning: - Online Courses: Websites like AlMaghrib Institute and SeekersGuidance offer a variety of online courses on Islamic studies. - Books and Lectures: Read books by reputable scholars or listen to lectures by speakers like Yasir Qadhi and Omar Suleiman for deeper insights into Islamic teachings.
5.Financial Management: - Zakat and Sadaqah: Plan your charitable giving by calculating your zakat accurately. Websites like NZF (National Zakat Foundation) can assist with calculations and distribution. - Islamic Banking: Explore Islamic banking options for interest-free financial services.
I hope these tips help you in your journey. Feel free to share more resources or ask any questions. Let’s support each other in our faith and daily lives!
Looking forward to your thoughts and additions!
submitted by Icy-Performance-6969 to Muslim [link] [comments]


2024.05.21 18:42 Icy-Performance-6969 Practical Tips for Muslims to Enhance Daily Life

السلام عليكم ورحمة الله وبركاته everyone,
I wanted to share some practical tips and resources that can help Muslims in their daily lives. Whether you're looking to deepen your faith, manage your time better, or find community support, these tips might be useful.
1.Spiritual Growth: - Daily Prayers: Establish a consistent prayer routine. Apps like Muslim Pro can help you keep track of prayer times and Qibla direction. - Qur'an Reading: Set aside time daily for Qur'an reading. Apps like Quran Majeed or websites like Quran.com provide easy access to the text and tafsir.
2.Health and Wellness: - Halal Nutrition: Ensure your diet is halal and nutritious. Apps like Scan Halal can help you check the halal status of food products. - Mental Health: Take care of your mental well-being. Organizations like the Khalil Center provide faith-based counseling services.
3.Community Engagement: - Volunteering: Get involved in local charity work. Many mosques have outreach programs that need volunteers. - Study Circles: Join or start a halaqa (study circle) to discuss Islamic topics and build community bonds.
4.Education and Learning: - Online Courses: Websites like AlMaghrib Institute and SeekersGuidance offer a variety of online courses on Islamic studies. - Books and Lectures: Read books by reputable scholars or listen to lectures by speakers like Yasir Qadhi and Omar Suleiman for deeper insights into Islamic teachings.
5.Financial Management: - Zakat and Sadaqah: Plan your charitable giving by calculating your zakat accurately. Websites like NZF (National Zakat Foundation) can assist with calculations and distribution. - Islamic Banking: Explore Islamic banking options for interest-free financial services.
I hope these tips help you in your journey. Feel free to share more resources or ask any questions. Let’s support each other in our faith and daily lives!
Looking forward to your thoughts and additions!
submitted by Icy-Performance-6969 to islam [link] [comments]


2024.05.21 18:41 gnvhp Seeking help for my son (20) who found his mother dead

Hi there. My son, 18 at the time, found his mother dead. Two years ago. She passed out after drinking and never woke up. She was a highly educated , mostly functional, amazing wife and mother. On the surface and to most people outside of our family, everything was fine. But some trauma in her teens, and some things that hadn’t worked out in her life, meant that she sought solace in alcohol and sleeping meds. My son found her unresponsive one day, called emergency services but it was too late. I was out of town for work so he was the one who dealt with everything for a few hours - emergency response etc. A nightmare. Two years later he seems ‘ok’ but I know he has gone through so much trauma, grief, shock, etc. He is not interested in counseling. He is at college, a few hours away from home. Question - what good support groups or communities exist for him to connect to - I think he would do well in an online anonymous setting to start with, maybe to break the initial barriers down. His situation is pretty specific; young adult, deceased alcoholic parent, trauma of being the one to discover her, etc. Also, are there other Reddit communities I should post this to? Thank you in advance for the attention.
submitted by gnvhp to AlAnon [link] [comments]


2024.05.21 18:40 Icy-Performance-6969 Practical Tips for Muslims to Enhance Daily Life

السلام عليكم ورحمة الله وبركاته everyone,
I wanted to share some practical tips and resources that can help Muslims in their daily lives. Whether you're looking to deepen your faith, manage your time better, or find community support, these tips might be useful.
1.Spiritual Growth: - Daily Prayers: Establish a consistent prayer routine. Apps like Muslim Pro can help you keep track of prayer times and Qibla direction. - Qur'an Reading: Set aside time daily for Qur'an reading. Apps like Quran Majeed or websites like Quran.com provide easy access to the text and tafsir.
2.Health and Wellness: - Halal Nutrition: Ensure your diet is halal and nutritious. Apps like Scan Halal can help you check the halal status of food products. - Mental Health: Take care of your mental well-being. Organizations like the Khalil Center provide faith-based counseling services.
3.Community Engagement: - Volunteering: Get involved in local charity work. Many mosques have outreach programs that need volunteers. - Study Circles: Join or start a halaqa (study circle) to discuss Islamic topics and build community bonds.
4.Education and Learning: - Online Courses: Websites like AlMaghrib Institute and SeekersGuidance offer a variety of online courses on Islamic studies. - Books and Lectures: Read books by reputable scholars or listen to lectures by speakers like Yasir Qadhi and Omar Suleiman for deeper insights into Islamic teachings.
5.Financial Management: - Zakat and Sadaqah: Plan your charitable giving by calculating your zakat accurately. Websites like NZF (National Zakat Foundation) can assist with calculations and distribution. - Islamic Banking: Explore Islamic banking options for interest-free financial services.
I hope these tips help you in your journey. Feel free to share more resources or ask any questions. Let’s support each other in our faith and daily lives!
Looking forward to your thoughts and additions!
submitted by Icy-Performance-6969 to Muslim_Space [link] [comments]


2024.05.21 18:28 BleepBlimpBop $RILY DD: Long List of Short Seller Claims --- DEBUNKED with proof!

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: this sub disallows image posts. There is a similar post in the RILYStock sub which contains virtually all source images for the claim in the comments (too many images to embed in the post). The source images are illuminating.
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
No source images included for the claims, as this sub disallows images in posts and comments. Images can be seen on a version of this posted to a sub that discusses RILY. All claims can be sourced on the various social media venues and websites utilized by the short sellers. Other sources include: 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. 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).
submitted by BleepBlimpBop to WallStreetbetsELITE [link] [comments]


2024.05.21 18:23 BleepBlimpBop $RILY: Long List of Short Seller Claims --- DEBUNKED

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.
submitted by BleepBlimpBop to RILYStock [link] [comments]


2024.05.21 18:14 christinextine California Eviction Lawsuit Question

Hi there! I’ve posted in legaladvice, but haven’t gotten any helpful feedback. Mostly just comments from what appear to be disgruntled landlords who refuse to read context before commenting.
I have a landlord who sought one unlawful eviction starting with a 3-day quit on the basis of a “nuisance” claim. The shorthand is I had an upstairs neighbor who was particularly miserable and complained about everyone in the building. I fought the ensuing nuisance eviction with solid evidence from the other tenants stating that there is not proper insulation and sound proofing, that I’m the quietest neighbor in the building and that my upstairs neighbor was, historically, an unreasonable person to everyone.
The landlord dropped the lawsuit and attempted to settle things with me outside of the court. The thing is, I no longer trusted the landlord and I wanted to work with a mediator to resolve outlying financial obligations. During this eviction, the landlord had told me to stop sending checks and so that’s what I did. I did secure money orders so I would make sure that I stayed on top of managing my expenses, but some attorney friends (not trained in renter rights) had done some research and they told me that because the landlord ended my lease contract during this eviction that I may not be responsible for paying rent for those two months that my home life was in limbo.
I wanted to go to court so that I could get this cleared up by the judge, but with the landlord asking for dismissal, I was left with questions. The landlord was disappointed that I didn’t feel comfortable paying her without mediation and she did end up cashing a check that I’d sent when this had all started, but there were two months that I had money orders for that I didn’t feel comfortable giving to her without some sort of third party counsel.
A week later, I received a new 3-day to quit. This time for breach for having a subletter. I do have a housemate, but he is my caregiver. I call him my emotional support human :). Before the first eviction lawsuit, I’d invited a friend to stay with me for a few days during the holidays. But that’s when I got hit with the nuisance claim and eviction. I have anxiety as a disability. I had listed it in my lease when I signed it. With the harassment from my neighbor and the landlord, my condition worsened and I found myself unsafe in my own home so I invited my friend to stay with me longer. He takes care of me. He answers the door, he gets the mail, he makes it so I can avoid triggers and he calms me when I am triggered.
I responded to this new eviction and am awaiting court, but I’m more curious to know what my financial obligations are with regard to rent during these months.
Here’s the thing, I have the money, but if the law is unclear in California about whether I actually have to pay rent for this during this upheaval, then obviously I would rather not pay. It’s been so emotionally draining. I couldn’t look for work for months, I’ve lost 30 pounds in the last four months, and I’ve been afraid in my own home. Home hasn’t felt like home and it won’t until this harassment ends.
Does anyone actually know anything about financial obligations in California during an eviction? My lawyer friends have said the law is unclear. I haven’t found anything online.
submitted by christinextine to AskALawyer [link] [comments]


2024.05.21 18:09 MWBartko Considerations on Sexual Immorality, Gender Identity, and my friends Non-Denominational Church.

A good friend of mine from a fairly conservative evangelical background is considering becoming a pastor at his non-denominational church. As part of the evaluation process, they asked him to write a paper on these topics that he is not an expert on.
He asked for my opinion and I offered to share it online to solicit constructive criticism, notes of encouragement, and or reading recommendations on these topics.
I believe his goal is to be faithful to the scriptures, loving to those outside the church, and challenging to those inside the church, as most of us could do better.
What he wrote is in the quotation marks below.
“1: Scope of the Issue
Sexual immorality has become a besetting and ubiquitous issue in our culture and in our churches. While many aspects of it are not novel or unique to this time and have clear scriptural input, there are others that bring challenges to our church for which we don’t have obvious precedent. The main point of these comments is to try and answer three questions with some degree of specificity: (1) how do we make ourselves a place where people who do not know Christ will feel welcome to come and learn of Him regardless of where they come from, (2) how do we pastorally care for people who have come in to the church with pre-existing circumstances related to sexual immorality, and (3) how do we equip our members to represent Christ to those in their lives that are dealing with these issues. We want to do this in a way that does not “walk a tight rope” or compromise to appease, but honors Scripture in its commands to both show compassion and exhort and correct. We must recognize that every individual circumstance is unique, and many will require careful and prayerful consideration, but this is meant to give a framework for that consideration.
2: Scriptural Basis for Corporate Response
There are many references we can point to that discuss and define sexual immorality throughout Scripture and many of these will be used below as we consider specific examples and situations. Let us start, however, by looking at passages that deal with corporate response rather than individual sin. It is clear that the Corinthian church had significant issues in this area, and much of Paul’s first letter was devoted to it. In chapter 5, Paul states that when sexual immorality is discovered in the church we should “mourn” over it and “not to associate with immoral people.” Importantly, he also makes clear in vv. 9-13 that these comments only apply to those “who bears the name of brother.” He explicitly writes, “not at all meaning the sexually immoral of this world…for what have I to do with judging outsiders?” This is key in informing our response to those who are not members of the church. If it is our desire to see sinners come through our doors and come to know our Savior through our ministry, then we must be welcoming, accepting them where they are. This is not to say we hide or compromise the biblical position, but it is not an issue on which we want to filter people at the door. There are three categories of people in sexual sin that we need to form a response for. First, those just coming to the church who have not committed to it – these should be treated the same as any we are reaching out to with Christ’s love. They need Jesus, not behavioral change. Next, those who have recently joined the church but have pre-existing sexual sin patterns. This can and should be addressed with patience, dignity, and love. There are often many sin areas in the life of a new believer, and it is prudent to discern how and when to address each of them. Lastly, those who have been members in the church for some amount of time and fall into sexual sin. This is the group that Paul is primarily addressing in 1 Corinthians. While sex within marriage is a private issue, sexual sin cannot be a taboo topic. It needs to be addressed regularly and clearly. We need close enough relationships within the church that such problems do not fester in the dark. We must avoid the typical church pattern to vilify the first group, never see the second group, and pretend the third group doesn’t exist until it all blows up in scandal. May it never be.
3: Consistency Issue
There is a tendency in our Christian culture to treat some sexual sins as worse than others. Like the Corinthians, some things we seem to have accepted as just ubiquitous parts of our culture. Knowing the prevalence of promiscuity and fornication among teens and single adults and usage of pornography even within the church, we tend to address these as issues of indwelling sin, similar to anger or fear of man, with offers of accountability and understanding when someone falls. By contrast, when it comes to homosexuality or adultery, it is often a church discipline issue. We view homosexual marriage as a major problem, but remarriage after a non-biblical divorce is rarely addressed. These inconsistencies lead to stigmatization and polarization and should have no place in the church. The criterion for escalation should be unrepentance, not the nature of the sexual sin. It is clear from 1 Corinthians that all should be taken seriously, but none should be vilified above others.
4: Culture and Identity
The major underlying problem with many of the sexual sin and gender issues is that they have come to be culturally bound up with people’s identities. This is not a new phenomenon and is not unique to this issue. As far back as Acts 19, you see people becoming “enraged” because Paul had threatened the Ephesians’ cultural identity as worshipers of Artemis. People continue to find their primary identities in their employment, hobbies, sports teams, or families rather than Christ. None of these should be accepted, but none should be reviled either. If a person does not know Jesus, they are dead. How they identify themselves is of no concern. Once they have been made alive, they can be taught that “whose” they are is more important than “who” they are. All identity outside of Christ is not sinful, but if it takes paramount importance, it may become so. A person who recognizes a tendency toward same sex attraction may label themselves as gay or lesbian. This should not be considered a sin issue unless it becomes, for them, their defining characteristic or leads to sinful actions. We should recognize the difficulty of this struggle and support such a person rather than get hung up on labels. There must be clear distinction between identifying same sex attraction and engaging in homosexual behavior. These should be the guiding principles underlying everything that follows are regards individual cases.
5: Public Facing Information, Guests, and New Attendees
Considering what we have discussed, and Paul’s assertion in 1 Corinthians 5 that we ought to reserve judgment on sexual immorality to those we call brother, I would submit that public facing information regarding the church (i.e. website, app, etc) should not publish a position on sexual immorality, marriage, and gender identity. Doing so effectively places the filter at the door so that people who do not know Christ may be turned away from it. This is not tantamount to tacit approval. In appropriate contexts within the church, these topics should still be discussed and addressed, but I do not believe it is consistent with a biblical treatment of unbelievers to place it in a public facing forum. If we have guests or new regular attendees who appear to be engaged in a cohabitating or fornicating relationship, a homosexual relationship, or other sexual sin, this should not be a priority to address unless we have discerned that they are believers and join the church. Even then, it is important to draw a distinction between someone who deals with same-sex attraction and someone who engages in homosexual behavior. The next seven points are meant to discuss, in broad terms, how we should address those who join the church with pre-existing relationships or identity issues:
6: Promiscuity, Cohabitation – Hebrews 13:4, 1 Cor 7:1-2, Ex 22:16
Much of the biblical discussion on promiscuity is by inference. Clearly, sex was meant to be inseparably linked to marriage and outside of that context should be considered immoral. For those who join the church already in a sexual relationship who are unmarried we should apply Exodus 22:16 and encourage them to marry as soon as possible. If they do not wish to marry, they should be encouraged to separate. Paul acknowledges in 1 Cor 7:2 that marriage is the best remedy for “temptation to sexual immorality.”
7: Adultery, Divorce and Remarriage – Matt 5:32, Matt 19:9, 1 Cor 7:10-11
This issue is given much more explicit biblical instruction but is often glossed over in our Christian culture due to the messy landscape of divorces and remarriages. In cases where non-biblical divorce has occurred, if reconciliation is possible, this should be pursued. If reconciliation is impossible because one or more parties have remarried, it would not be sensible to divorce again in order to achieve reconciliation. The principle to apply here, I believe, is from 1 Cor 7:17-24 summarized in verse 20: “Each one should remain in the condition in which he was called.” This is not an ideal circumstance, but it is the best way forward in an imperfect world. Of note, polygamy was common in the culture of the early church, and while not ideal, was accepted by the church, as evidenced by the qualifications for elder to be “a husband of but one wife.” We have polygamous cultures even within our local community and if they came to Christ, we should not counsel them to divorce all but one wife and thus disrupt their social structure. It is not ideal and would disqualify them from eldership, but they should remain as they are. Whether marriage after unbiblical divorce in the past disqualifies a man from eldership is a case-by case question for the eldership.
8: Pornography, Sensuality, and Lust – Lev 18:6-18, Matt 5:28
As mentioned above, use of pornography has reached a high saturation point within our culture and within our church. While once thought of as simply a male issue, there is a growing trend toward gender parity in pornography usage. It is an issue that should be discussed with some frequency within our church. For those that join the church and view pornography regularly, it needs to be made clear that while the world has largely destigmatized it, it is still sexual immorality. Furthermore, this isn’t just limited to nudity and pornography, but any sensuality that leads to looking at someone “with lustful intent” is the heart equivalent of adultery according to Matt 5:28. In our culture, it is not possible to avoid such things by just turning away. We need to address the heart issues of idolatry, selfishness, and satisfaction in Christ. Practically, how should we deal with those who have on-going struggles with pornography, sensuality and lust? Should this preclude them from eldership? From deaconship? Taken strictly, this would preclude nearly all men from eldership. These require individual evaluation from the elders, but a guiding principle should be, if the person is repentant and there is evidence of growth in their life, we should consider more responsibility and continued discipleship.
9: Homosexuality – Lev 18:22, Lev 20:13, 1 Cor 6:9, 1 Tim 1:8-11
From the above references and others, it is evident that homosexual behavior is sexual sin. We cannot equivocate on that point. As we have discussed above, if a person who is already a believer and in the church and struggles with same sex attraction, we should approach them as we would handle anyone who is sexually attracted to someone to whom they are not married. If such a person decides that homosexuality is not sinful and begins sexually immoral activity, we should deal with them in the same way as any member who falls into unrepentant sin and go through the processes of correction and, if necessary, of church discipline. It is important that we draw a distinction between same sex attraction and homosexual behavior. We can do tremendous harm by demonizing same sex attraction and creating a taboo around it. A person who is struggling to abstain from homosexual behavior should be supported and encouraged. I believe Paul’s strong statements about not associating with sexually immoral people applies to those who remain unrepentant. Much more nuanced is the issue of how we address those that join the church already in a homosexual relationship. What about the married homosexual couple who join the church with their adopted child? Should we break up their family? I believe, in this case, the same principle should apply as to those who have gone through an unbiblical divorce in the past. We should apply 1 Cor 7:20: “Each one should remain in the condition in which he was called.” We can recognize that this is not ideal, but it is the best we can do in a fallen world just as we do with someone who is married after unbiblical divorce. Whether should apply to a homosexual couple in a long term committed relationship who are not legally married would be an individual discussion with the elders. Again, these are nuanced cases that will need individual prayer, discussion, and discernment. I believe a great deal more patience is called for when a new believer joins the church that has a history or present reality of homosexuality, even if they are unrepentant at first, believing that homosexuality is not sinful, than we would demonstrate to a person who has been in the church for a period of time and then decides to pursue a homosexual relationship.
10: Bisexuality – Heb 13:4
Bisexual attraction is no more or less of an issue than anyone who finds that they are sexually attracted to someone other than their spouse. This is not a rare or unique circumstance, even within the church. Someone who is practicing bisexuality is, by definition, not confining sex to the marriage bed, and this, therefore, qualifies as sexual immorality. The issue, here again, is one of identity and cultural acceptance. If a person “identifies as bisexual,” the real issue is not the bisexuality, but the fact that they identify themselves primarily by their sexual desires, and not by Christ. It would be equally a problem if they “identified as heterosexual” and that was seen as their defining characteristic. If such a person were to join the church, our priority should be in helping them see their identity in Christ rather than focusing on renouncing their sexual preference.
11: Transgenderism/Non-binarism – Psalm 139: 13-15
It should be noted that the next two points should not be considered in the category of sexual immorality, but as they are connected to the same cultural moment will be discussed here. It should further be remarked that transgenderism is a modern issue with no direct reference in Scripture. It is a challenging issue that often falls prey to oversimplification and scapegoating. It is not sufficient to simply state that a person should identify with their born gender. There are those born with ambiguous genitalia and those born with sex chromosome abnormalities such that “born gender” is not necessarily accurate. These occur with a frequency of 1 in 448 births on average which is not particularly rare. The majority of people who consider themselves to be transgender do not fall into these categories, but the fact remains that these categories exist. Unless we plan to embark on genetic testing, we must be careful how we assert someone’s gender assignment. Furthermore, we must acknowledge that much of the gender confusion in our culture is due to a distortion of biblically accurate masculinity and femininity in our culture of which the church has been widely supportive for generations. Many transgender and non-binary individuals consider themselves so because they do not fit into the traditional boxes our culture has created for the genders. The church can start by recognizing that these boxes are incorrect. We can also acknowledge that gender differences and roles are far less important than most human cultures perceive. Christ himself challenged many gender norms in his ministry and Paul maintains “…there is no male or female, for you are all one in Christ Jesus.” (Gal 3:28b) It is much more difficult to recognize this issue as a sin issue than many of the above concerns. If someone wishes to be addressed by different pronouns than they once did or dress differently than they once did, this does not amount to immorality. Once again, this can be an idolatrous identity issue if the person sees it as the central characteristic of their lives. There is often an inherent pride in asserting that such a person does not feel they fit in the body created for them, but if they come to love Jesus and understand and believe that they are “fearfully and wonderfully made” then this issue may become moot. Whether or not they revert to dressing differently or using pronouns they did when they were younger is largely immaterial. This also addresses the issue of people who may have undergone permanent physical changes. While we should not endorse such modification if it is being considered, there is no reason to reverse such a thing in order to return to a base state. We must recognize that this is a group that has a high propensity toward mental health concerns, instability, and suicidality. They need love, support and prayer, not scapegoating and extra-biblical expectations of conforming to a cultural norm. We must further note that this group as well as the homosexual group have often experienced psychological and even physical harm from others in our culture, sometimes in the name of Christ. We must foster an environment of champions physical and psychological safety for these people.
12: Asexuality – 1 Cor 7:25-38
Asexuality also should not be considered sexual immorality. There is, in fact, wide support in Paul’s letters such as in 1 Cor 7 for people, if they are able, to remain unmarried and be “anxious about the things of the Lord, how to please the Lord.” We tend to champion the model of the nuclear family in our Christian culture, but Paul sees chaste singleness as a better way. There should be no pressure from the church to make sure that single people pair off and get married because it is expected of them. As this state has been culturally identified with the LGBTQIA movement, it is seen on the same spectrum as the sexual immorality and gender issues discussed above, but it is not. It can still fall prey to the same issue of an idolatrous identity as some of the above issues, but it need not be so.
13: Glass Ceiling
In the event that God sees fit to bring people from these subgroups into our church, there would inevitably be a glass ceiling. The question is at what point. The four logical points are: regular attender, member, deacon, and elder. Regardless of their background or position, all should be welcome to be a regular attender. It is also clear, from the biblical requirements for eldership, that on-going problems or engagement in any of the sexual sins would disqualify them from that post. The middle two are less clear. I would submit that the bar for membership should be very low. This step, in my opinion, is when they would “bear the name of brother” and not before. Even if they disagree about the sinful nature of homosexuality, this should not disallow them from becoming members as long as they agree to submit to the churches position and not cause division. Allowing them to become members gives us the pastoral authority to speak into their lives, and we would hope that over time the Spirit would work in their hearts to convince them of the truth. Putting such a person in a deacon role would probably not be wise but would need to be evaluated prayerfully on a case-by-case basis. The difficulty here is that, while a position on homosexuality is not a salvific issue and should not be considered a core doctrine in the same way as the deity of Christ, for example, it is a sin issue. There is a limit to how far we can “agree to disagree” and still uphold our duty to root out sin in our midst. Once again, we should also distinguish between a struggle with same sex attraction and engagement in homosexual behavior when we consider our response. There is also a glass ceiling when it comes to marriage. While I believe we should not break up existing homosexual marriages, we should not participate in creating them. The marriage covenant between a man and woman was created, in part, to reflect the relationship between Christ and the church (Eph 5). This should not be co-opted to excuse or normalize immorality.
14: Nuance and Edge Cases
The above outline is by no means meant to be exhaustive or definitive. It is meant to provide a lens, supported by scripture, through which we can view these issues and consider corporate and pastoral responses. It should inform how we view the people that walk through the door from a wide range of backgrounds and how we equip those in our church to be Christ’s ambassadors to those in our community. Every person and circumstance, history and baggage will be different, and any non-nuanced position would be inherently evil. I pray we have many opportunities to talk, think and pray through specific situations that God would bless us with the chance to be a part of. What an honor it would be to be used to reach into broken lives like these with the Gospel of Grace.
15: Action Steps
As we consider practical and philosophical ways of responding to the above, I believe we should start from a position of corporate repentance. If we wish to truly reach out and touch the lives of broken people in need of a Savior who live a life of same sex attraction or gender dysphoria, we need to begin by recognizing that a great deal of harm, emotional and physical, has been inflicted on this group by the Church for generations. There are homeless people living in our area who were kicked out of their homes by parents holding a Bible. There are those who have been subjected to horrific methods that amount to torture under the guise of “Conversion Therapy” from Christian organizations. The only “conversion” we should concern ourselves with is to a regenerate heart. Attempting to change someone’s sexual attraction is very much beside the point. We cannot hope to be a place where such people can hear about Jesus unless they feel safe to enter our doors. We must also fight the tendency to consider sin in this area as something worse than others, even in non-Christians. James 2 says “…For whoever keeps the whole law but fails in one point has become guilty of all of it….So speak and so act as those who are to be judged under the law of liberty. For judgment is without mercy to one who has shown no mercy. Mercy triumphs over judgment.” As we consider corporate and pastoral responses to the argument above, we must start by removing our own planks and repenting for the historical actions of the Church.
Practical steps that we could consider taking would include: removing the statements from the website about marriage and sexuality, especially directly under our Core Beliefs. Again, this is not meant to hide or equivocate on the truth, but not to set such a barrier before someone even walks through our door. Secondly, we should consider how to address these topics within the church. A Sunday morning sermon is not ideal as it is time limited and a unidirectional conversation. A small group course format would be a consideration. We need to equip parents and family members of adolescents, teens, and adults with language to talk about these things in loving, humble, God-honoring ways. In the longer term, we need to consider how we can make our church a place where people would feel comfortable inviting friends and family who look, think and act differently than we do. We need to find a way of projecting safety and inclusion even in our public facing information. This isn’t a balancing act where we must make it clear early and often that we “love the sinner but hate the sin” as the saying goes. We just need to love the sinner. Dealing with the sin can come later God-willing. A third application point is to be mindful of what we say and what we allow to be said without being checked. Certainly, joking at the expense of those who are dealing with these issues is unacceptable, but we also need to work to avoid getting dragged in to pseudo-political discussions on bathroom issues, sports issues or other divisive concerns that have no bearing on the church.
I recognize that these proposals have the potential to divide the church. There are some who may leave the body over these sorts of changes. I would argue that it is our responsibility to them as well as to the unreached in our community to have those discussions and risk some of them leaving over it. These are not all things we should change overnight but after ample opportunities for discussions and prayer.
16: Conclusion – Mark 2:15-17
At its core, these are not issues of who someone loves, sexual attraction, or even specific sex acts. The core is idolatry and identity. When acceptance by others, self-determination, or physical pleasure become the central force driving our lives then we have become idolators. Though our idols take on different shapes, the struggles in this space are shared by all. Whether you are identified by your profession, your family, or your gender identity, you are not being identified by your Master. Building fences around or within the church because someone sins in a different way than us cannot be allowed. Making the excuse that we are somehow “protecting our children” by shielding them from people in our community who desperately need a Savior will not show our children who Jesus is. Within the church, we cannot be afraid to “speak the truth in love.” We need not and cannot shy away from sin in the church, but we must recognize that the Spirit works in each of our lives. Often this happens over a period of time. We should be prepared to walk alongside our brothers and sisters in this journey for as long as they need.
There is a significant correlation between this community and their relationship with religious groups, and the “tax collectors and sinners” that Jesus sought out in His ministry and their relationship with the religious leaders of the day. Our heart should reflect His. Jesus responded: “It is not the healthy who need a doctor, but the sick. I have not come to call the righteous, but sinners.” (Mark 2:17) If our church was filled with transgender people and gay families that loved Jesus, God would be glorified.”
Thank you in advance for any constructive criticism, notes of encouragement and or reading recommendations on these topics that I can pass along.
submitted by MWBartko to Bible [link] [comments]


2024.05.21 18:06 MWBartko Considerations on Sexual Immorality, Gender Identity, and my friends Non-Denominational Church.

A good friend of mine from a fairly conservative evangelical background is considering becoming a pastor at his non-denominational church. As part of the evaluation process, they asked him to write a paper on these topics that he is not an expert on.
He asked for my opinion and I offered to share it online to solicit constructive criticism, notes of encouragement, and or reading recommendations on these topics.
I believe his goal is to be faithful to the scriptures, loving to those outside the church, and challenging to those inside the church, as most of us could do better.
What he wrote is in the quotation marks below.
“1: Scope of the Issue
Sexual immorality has become a besetting and ubiquitous issue in our culture and in our churches. While many aspects of it are not novel or unique to this time and have clear scriptural input, there are others that bring challenges to our church for which we don’t have obvious precedent. The main point of these comments is to try and answer three questions with some degree of specificity: (1) how do we make ourselves a place where people who do not know Christ will feel welcome to come and learn of Him regardless of where they come from, (2) how do we pastorally care for people who have come in to the church with pre-existing circumstances related to sexual immorality, and (3) how do we equip our members to represent Christ to those in their lives that are dealing with these issues. We want to do this in a way that does not “walk a tight rope” or compromise to appease, but honors Scripture in its commands to both show compassion and exhort and correct. We must recognize that every individual circumstance is unique, and many will require careful and prayerful consideration, but this is meant to give a framework for that consideration.
2: Scriptural Basis for Corporate Response
There are many references we can point to that discuss and define sexual immorality throughout Scripture and many of these will be used below as we consider specific examples and situations. Let us start, however, by looking at passages that deal with corporate response rather than individual sin. It is clear that the Corinthian church had significant issues in this area, and much of Paul’s first letter was devoted to it. In chapter 5, Paul states that when sexual immorality is discovered in the church we should “mourn” over it and “not to associate with immoral people.” Importantly, he also makes clear in vv. 9-13 that these comments only apply to those “who bears the name of brother.” He explicitly writes, “not at all meaning the sexually immoral of this world…for what have I to do with judging outsiders?” This is key in informing our response to those who are not members of the church. If it is our desire to see sinners come through our doors and come to know our Savior through our ministry, then we must be welcoming, accepting them where they are. This is not to say we hide or compromise the biblical position, but it is not an issue on which we want to filter people at the door. There are three categories of people in sexual sin that we need to form a response for. First, those just coming to the church who have not committed to it – these should be treated the same as any we are reaching out to with Christ’s love. They need Jesus, not behavioral change. Next, those who have recently joined the church but have pre-existing sexual sin patterns. This can and should be addressed with patience, dignity, and love. There are often many sin areas in the life of a new believer, and it is prudent to discern how and when to address each of them. Lastly, those who have been members in the church for some amount of time and fall into sexual sin. This is the group that Paul is primarily addressing in 1 Corinthians. While sex within marriage is a private issue, sexual sin cannot be a taboo topic. It needs to be addressed regularly and clearly. We need close enough relationships within the church that such problems do not fester in the dark. We must avoid the typical church pattern to vilify the first group, never see the second group, and pretend the third group doesn’t exist until it all blows up in scandal. May it never be.
3: Consistency Issue
There is a tendency in our Christian culture to treat some sexual sins as worse than others. Like the Corinthians, some things we seem to have accepted as just ubiquitous parts of our culture. Knowing the prevalence of promiscuity and fornication among teens and single adults and usage of pornography even within the church, we tend to address these as issues of indwelling sin, similar to anger or fear of man, with offers of accountability and understanding when someone falls. By contrast, when it comes to homosexuality or adultery, it is often a church discipline issue. We view homosexual marriage as a major problem, but remarriage after a non-biblical divorce is rarely addressed. These inconsistencies lead to stigmatization and polarization and should have no place in the church. The criterion for escalation should be unrepentance, not the nature of the sexual sin. It is clear from 1 Corinthians that all should be taken seriously, but none should be vilified above others.
4: Culture and Identity
The major underlying problem with many of the sexual sin and gender issues is that they have come to be culturally bound up with people’s identities. This is not a new phenomenon and is not unique to this issue. As far back as Acts 19, you see people becoming “enraged” because Paul had threatened the Ephesians’ cultural identity as worshipers of Artemis. People continue to find their primary identities in their employment, hobbies, sports teams, or families rather than Christ. None of these should be accepted, but none should be reviled either. If a person does not know Jesus, they are dead. How they identify themselves is of no concern. Once they have been made alive, they can be taught that “whose” they are is more important than “who” they are. All identity outside of Christ is not sinful, but if it takes paramount importance, it may become so. A person who recognizes a tendency toward same sex attraction may label themselves as gay or lesbian. This should not be considered a sin issue unless it becomes, for them, their defining characteristic or leads to sinful actions. We should recognize the difficulty of this struggle and support such a person rather than get hung up on labels. There must be clear distinction between identifying same sex attraction and engaging in homosexual behavior. These should be the guiding principles underlying everything that follows are regards individual cases.
5: Public Facing Information, Guests, and New Attendees
Considering what we have discussed, and Paul’s assertion in 1 Corinthians 5 that we ought to reserve judgment on sexual immorality to those we call brother, I would submit that public facing information regarding the church (i.e. website, app, etc) should not publish a position on sexual immorality, marriage, and gender identity. Doing so effectively places the filter at the door so that people who do not know Christ may be turned away from it. This is not tantamount to tacit approval. In appropriate contexts within the church, these topics should still be discussed and addressed, but I do not believe it is consistent with a biblical treatment of unbelievers to place it in a public facing forum. If we have guests or new regular attendees who appear to be engaged in a cohabitating or fornicating relationship, a homosexual relationship, or other sexual sin, this should not be a priority to address unless we have discerned that they are believers and join the church. Even then, it is important to draw a distinction between someone who deals with same-sex attraction and someone who engages in homosexual behavior. The next seven points are meant to discuss, in broad terms, how we should address those who join the church with pre-existing relationships or identity issues:
6: Promiscuity, Cohabitation – Hebrews 13:4, 1 Cor 7:1-2, Ex 22:16
Much of the biblical discussion on promiscuity is by inference. Clearly, sex was meant to be inseparably linked to marriage and outside of that context should be considered immoral. For those who join the church already in a sexual relationship who are unmarried we should apply Exodus 22:16 and encourage them to marry as soon as possible. If they do not wish to marry, they should be encouraged to separate. Paul acknowledges in 1 Cor 7:2 that marriage is the best remedy for “temptation to sexual immorality.”
7: Adultery, Divorce and Remarriage – Matt 5:32, Matt 19:9, 1 Cor 7:10-11
This issue is given much more explicit biblical instruction but is often glossed over in our Christian culture due to the messy landscape of divorces and remarriages. In cases where non-biblical divorce has occurred, if reconciliation is possible, this should be pursued. If reconciliation is impossible because one or more parties have remarried, it would not be sensible to divorce again in order to achieve reconciliation. The principle to apply here, I believe, is from 1 Cor 7:17-24 summarized in verse 20: “Each one should remain in the condition in which he was called.” This is not an ideal circumstance, but it is the best way forward in an imperfect world. Of note, polygamy was common in the culture of the early church, and while not ideal, was accepted by the church, as evidenced by the qualifications for elder to be “a husband of but one wife.” We have polygamous cultures even within our local community and if they came to Christ, we should not counsel them to divorce all but one wife and thus disrupt their social structure. It is not ideal and would disqualify them from eldership, but they should remain as they are. Whether marriage after unbiblical divorce in the past disqualifies a man from eldership is a case-by case question for the eldership.
8: Pornography, Sensuality, and Lust – Lev 18:6-18, Matt 5:28
As mentioned above, use of pornography has reached a high saturation point within our culture and within our church. While once thought of as simply a male issue, there is a growing trend toward gender parity in pornography usage. It is an issue that should be discussed with some frequency within our church. For those that join the church and view pornography regularly, it needs to be made clear that while the world has largely destigmatized it, it is still sexual immorality. Furthermore, this isn’t just limited to nudity and pornography, but any sensuality that leads to looking at someone “with lustful intent” is the heart equivalent of adultery according to Matt 5:28. In our culture, it is not possible to avoid such things by just turning away. We need to address the heart issues of idolatry, selfishness, and satisfaction in Christ. Practically, how should we deal with those who have on-going struggles with pornography, sensuality and lust? Should this preclude them from eldership? From deaconship? Taken strictly, this would preclude nearly all men from eldership. These require individual evaluation from the elders, but a guiding principle should be, if the person is repentant and there is evidence of growth in their life, we should consider more responsibility and continued discipleship.
9: Homosexuality – Lev 18:22, Lev 20:13, 1 Cor 6:9, 1 Tim 1:8-11
From the above references and others, it is evident that homosexual behavior is sexual sin. We cannot equivocate on that point. As we have discussed above, if a person who is already a believer and in the church and struggles with same sex attraction, we should approach them as we would handle anyone who is sexually attracted to someone to whom they are not married. If such a person decides that homosexuality is not sinful and begins sexually immoral activity, we should deal with them in the same way as any member who falls into unrepentant sin and go through the processes of correction and, if necessary, of church discipline. It is important that we draw a distinction between same sex attraction and homosexual behavior. We can do tremendous harm by demonizing same sex attraction and creating a taboo around it. A person who is struggling to abstain from homosexual behavior should be supported and encouraged. I believe Paul’s strong statements about not associating with sexually immoral people applies to those who remain unrepentant. Much more nuanced is the issue of how we address those that join the church already in a homosexual relationship. What about the married homosexual couple who join the church with their adopted child? Should we break up their family? I believe, in this case, the same principle should apply as to those who have gone through an unbiblical divorce in the past. We should apply 1 Cor 7:20: “Each one should remain in the condition in which he was called.” We can recognize that this is not ideal, but it is the best we can do in a fallen world just as we do with someone who is married after unbiblical divorce. Whether should apply to a homosexual couple in a long term committed relationship who are not legally married would be an individual discussion with the elders. Again, these are nuanced cases that will need individual prayer, discussion, and discernment. I believe a great deal more patience is called for when a new believer joins the church that has a history or present reality of homosexuality, even if they are unrepentant at first, believing that homosexuality is not sinful, than we would demonstrate to a person who has been in the church for a period of time and then decides to pursue a homosexual relationship.
10: Bisexuality – Heb 13:4
Bisexual attraction is no more or less of an issue than anyone who finds that they are sexually attracted to someone other than their spouse. This is not a rare or unique circumstance, even within the church. Someone who is practicing bisexuality is, by definition, not confining sex to the marriage bed, and this, therefore, qualifies as sexual immorality. The issue, here again, is one of identity and cultural acceptance. If a person “identifies as bisexual,” the real issue is not the bisexuality, but the fact that they identify themselves primarily by their sexual desires, and not by Christ. It would be equally a problem if they “identified as heterosexual” and that was seen as their defining characteristic. If such a person were to join the church, our priority should be in helping them see their identity in Christ rather than focusing on renouncing their sexual preference.
11: Transgenderism/Non-binarism – Psalm 139: 13-15
It should be noted that the next two points should not be considered in the category of sexual immorality, but as they are connected to the same cultural moment will be discussed here. It should further be remarked that transgenderism is a modern issue with no direct reference in Scripture. It is a challenging issue that often falls prey to oversimplification and scapegoating. It is not sufficient to simply state that a person should identify with their born gender. There are those born with ambiguous genitalia and those born with sex chromosome abnormalities such that “born gender” is not necessarily accurate. These occur with a frequency of 1 in 448 births on average which is not particularly rare. The majority of people who consider themselves to be transgender do not fall into these categories, but the fact remains that these categories exist. Unless we plan to embark on genetic testing, we must be careful how we assert someone’s gender assignment. Furthermore, we must acknowledge that much of the gender confusion in our culture is due to a distortion of biblically accurate masculinity and femininity in our culture of which the church has been widely supportive for generations. Many transgender and non-binary individuals consider themselves so because they do not fit into the traditional boxes our culture has created for the genders. The church can start by recognizing that these boxes are incorrect. We can also acknowledge that gender differences and roles are far less important than most human cultures perceive. Christ himself challenged many gender norms in his ministry and Paul maintains “…there is no male or female, for you are all one in Christ Jesus.” (Gal 3:28b) It is much more difficult to recognize this issue as a sin issue than many of the above concerns. If someone wishes to be addressed by different pronouns than they once did or dress differently than they once did, this does not amount to immorality. Once again, this can be an idolatrous identity issue if the person sees it as the central characteristic of their lives. There is often an inherent pride in asserting that such a person does not feel they fit in the body created for them, but if they come to love Jesus and understand and believe that they are “fearfully and wonderfully made” then this issue may become moot. Whether or not they revert to dressing differently or using pronouns they did when they were younger is largely immaterial. This also addresses the issue of people who may have undergone permanent physical changes. While we should not endorse such modification if it is being considered, there is no reason to reverse such a thing in order to return to a base state. We must recognize that this is a group that has a high propensity toward mental health concerns, instability, and suicidality. They need love, support and prayer, not scapegoating and extra-biblical expectations of conforming to a cultural norm. We must further note that this group as well as the homosexual group have often experienced psychological and even physical harm from others in our culture, sometimes in the name of Christ. We must foster an environment of champions physical and psychological safety for these people.
12: Asexuality – 1 Cor 7:25-38
Asexuality also should not be considered sexual immorality. There is, in fact, wide support in Paul’s letters such as in 1 Cor 7 for people, if they are able, to remain unmarried and be “anxious about the things of the Lord, how to please the Lord.” We tend to champion the model of the nuclear family in our Christian culture, but Paul sees chaste singleness as a better way. There should be no pressure from the church to make sure that single people pair off and get married because it is expected of them. As this state has been culturally identified with the LGBTQIA movement, it is seen on the same spectrum as the sexual immorality and gender issues discussed above, but it is not. It can still fall prey to the same issue of an idolatrous identity as some of the above issues, but it need not be so.
13: Glass Ceiling
In the event that God sees fit to bring people from these subgroups into our church, there would inevitably be a glass ceiling. The question is at what point. The four logical points are: regular attender, member, deacon, and elder. Regardless of their background or position, all should be welcome to be a regular attender. It is also clear, from the biblical requirements for eldership, that on-going problems or engagement in any of the sexual sins would disqualify them from that post. The middle two are less clear. I would submit that the bar for membership should be very low. This step, in my opinion, is when they would “bear the name of brother” and not before. Even if they disagree about the sinful nature of homosexuality, this should not disallow them from becoming members as long as they agree to submit to the churches position and not cause division. Allowing them to become members gives us the pastoral authority to speak into their lives, and we would hope that over time the Spirit would work in their hearts to convince them of the truth. Putting such a person in a deacon role would probably not be wise but would need to be evaluated prayerfully on a case-by-case basis. The difficulty here is that, while a position on homosexuality is not a salvific issue and should not be considered a core doctrine in the same way as the deity of Christ, for example, it is a sin issue. There is a limit to how far we can “agree to disagree” and still uphold our duty to root out sin in our midst. Once again, we should also distinguish between a struggle with same sex attraction and engagement in homosexual behavior when we consider our response. There is also a glass ceiling when it comes to marriage. While I believe we should not break up existing homosexual marriages, we should not participate in creating them. The marriage covenant between a man and woman was created, in part, to reflect the relationship between Christ and the church (Eph 5). This should not be co-opted to excuse or normalize immorality.
14: Nuance and Edge Cases
The above outline is by no means meant to be exhaustive or definitive. It is meant to provide a lens, supported by scripture, through which we can view these issues and consider corporate and pastoral responses. It should inform how we view the people that walk through the door from a wide range of backgrounds and how we equip those in our church to be Christ’s ambassadors to those in our community. Every person and circumstance, history and baggage will be different, and any non-nuanced position would be inherently evil. I pray we have many opportunities to talk, think and pray through specific situations that God would bless us with the chance to be a part of. What an honor it would be to be used to reach into broken lives like these with the Gospel of Grace.
15: Action Steps
As we consider practical and philosophical ways of responding to the above, I believe we should start from a position of corporate repentance. If we wish to truly reach out and touch the lives of broken people in need of a Savior who live a life of same sex attraction or gender dysphoria, we need to begin by recognizing that a great deal of harm, emotional and physical, has been inflicted on this group by the Church for generations. There are homeless people living in our area who were kicked out of their homes by parents holding a Bible. There are those who have been subjected to horrific methods that amount to torture under the guise of “Conversion Therapy” from Christian organizations. The only “conversion” we should concern ourselves with is to a regenerate heart. Attempting to change someone’s sexual attraction is very much beside the point. We cannot hope to be a place where such people can hear about Jesus unless they feel safe to enter our doors. We must also fight the tendency to consider sin in this area as something worse than others, even in non-Christians. James 2 says “…For whoever keeps the whole law but fails in one point has become guilty of all of it….So speak and so act as those who are to be judged under the law of liberty. For judgment is without mercy to one who has shown no mercy. Mercy triumphs over judgment.” As we consider corporate and pastoral responses to the argument above, we must start by removing our own planks and repenting for the historical actions of the Church.
Practical steps that we could consider taking would include: removing the statements from the website about marriage and sexuality, especially directly under our Core Beliefs. Again, this is not meant to hide or equivocate on the truth, but not to set such a barrier before someone even walks through our door. Secondly, we should consider how to address these topics within the church. A Sunday morning sermon is not ideal as it is time limited and a unidirectional conversation. A small group course format would be a consideration. We need to equip parents and family members of adolescents, teens, and adults with language to talk about these things in loving, humble, God-honoring ways. In the longer term, we need to consider how we can make our church a place where people would feel comfortable inviting friends and family who look, think and act differently than we do. We need to find a way of projecting safety and inclusion even in our public facing information. This isn’t a balancing act where we must make it clear early and often that we “love the sinner but hate the sin” as the saying goes. We just need to love the sinner. Dealing with the sin can come later God-willing. A third application point is to be mindful of what we say and what we allow to be said without being checked. Certainly, joking at the expense of those who are dealing with these issues is unacceptable, but we also need to work to avoid getting dragged in to pseudo-political discussions on bathroom issues, sports issues or other divisive concerns that have no bearing on the church.
I recognize that these proposals have the potential to divide the church. There are some who may leave the body over these sorts of changes. I would argue that it is our responsibility to them as well as to the unreached in our community to have those discussions and risk some of them leaving over it. These are not all things we should change overnight but after ample opportunities for discussions and prayer.
16: Conclusion – Mark 2:15-17
At its core, these are not issues of who someone loves, sexual attraction, or even specific sex acts. The core is idolatry and identity. When acceptance by others, self-determination, or physical pleasure become the central force driving our lives then we have become idolators. Though our idols take on different shapes, the struggles in this space are shared by all. Whether you are identified by your profession, your family, or your gender identity, you are not being identified by your Master. Building fences around or within the church because someone sins in a different way than us cannot be allowed. Making the excuse that we are somehow “protecting our children” by shielding them from people in our community who desperately need a Savior will not show our children who Jesus is. Within the church, we cannot be afraid to “speak the truth in love.” We need not and cannot shy away from sin in the church, but we must recognize that the Spirit works in each of our lives. Often this happens over a period of time. We should be prepared to walk alongside our brothers and sisters in this journey for as long as they need.
There is a significant correlation between this community and their relationship with religious groups, and the “tax collectors and sinners” that Jesus sought out in His ministry and their relationship with the religious leaders of the day. Our heart should reflect His. Jesus responded: “It is not the healthy who need a doctor, but the sick. I have not come to call the righteous, but sinners.” (Mark 2:17) If our church was filled with transgender people and gay families that loved Jesus, God would be glorified.”
Thank you in advance for any constructive criticism, notes of encouragement and or reading recommendations on these topics that I can pass along.
submitted by MWBartko to Protestant [link] [comments]


2024.05.21 18:04 MWBartko Considerations on Sexual Immorality, Gender Identity, and my friends Non-Denominational Church.

A good friend of mine from a fairly conservative evangelical background is considering becoming a pastor at his non-denominational church. As part of the evaluation process, they asked him to write a paper on these topics that he is not an expert on.
He asked for my opinion and I offered to share it online to solicit constructive criticism, notes of encouragement, and or reading recommendations on these topics.
I believe his goal is to be faithful to the scriptures, loving to those outside the church, and challenging to those inside the church, as most of us could do better.
What he wrote is in the quotation marks below.
“1: Scope of the Issue
Sexual immorality has become a besetting and ubiquitous issue in our culture and in our churches. While many aspects of it are not novel or unique to this time and have clear scriptural input, there are others that bring challenges to our church for which we don’t have obvious precedent. The main point of these comments is to try and answer three questions with some degree of specificity: (1) how do we make ourselves a place where people who do not know Christ will feel welcome to come and learn of Him regardless of where they come from, (2) how do we pastorally care for people who have come in to the church with pre-existing circumstances related to sexual immorality, and (3) how do we equip our members to represent Christ to those in their lives that are dealing with these issues. We want to do this in a way that does not “walk a tight rope” or compromise to appease, but honors Scripture in its commands to both show compassion and exhort and correct. We must recognize that every individual circumstance is unique, and many will require careful and prayerful consideration, but this is meant to give a framework for that consideration.
2: Scriptural Basis for Corporate Response
There are many references we can point to that discuss and define sexual immorality throughout Scripture and many of these will be used below as we consider specific examples and situations. Let us start, however, by looking at passages that deal with corporate response rather than individual sin. It is clear that the Corinthian church had significant issues in this area, and much of Paul’s first letter was devoted to it. In chapter 5, Paul states that when sexual immorality is discovered in the church we should “mourn” over it and “not to associate with immoral people.” Importantly, he also makes clear in vv. 9-13 that these comments only apply to those “who bears the name of brother.” He explicitly writes, “not at all meaning the sexually immoral of this world…for what have I to do with judging outsiders?” This is key in informing our response to those who are not members of the church. If it is our desire to see sinners come through our doors and come to know our Savior through our ministry, then we must be welcoming, accepting them where they are. This is not to say we hide or compromise the biblical position, but it is not an issue on which we want to filter people at the door. There are three categories of people in sexual sin that we need to form a response for. First, those just coming to the church who have not committed to it – these should be treated the same as any we are reaching out to with Christ’s love. They need Jesus, not behavioral change. Next, those who have recently joined the church but have pre-existing sexual sin patterns. This can and should be addressed with patience, dignity, and love. There are often many sin areas in the life of a new believer, and it is prudent to discern how and when to address each of them. Lastly, those who have been members in the church for some amount of time and fall into sexual sin. This is the group that Paul is primarily addressing in 1 Corinthians. While sex within marriage is a private issue, sexual sin cannot be a taboo topic. It needs to be addressed regularly and clearly. We need close enough relationships within the church that such problems do not fester in the dark. We must avoid the typical church pattern to vilify the first group, never see the second group, and pretend the third group doesn’t exist until it all blows up in scandal. May it never be.
3: Consistency Issue
There is a tendency in our Christian culture to treat some sexual sins as worse than others. Like the Corinthians, some things we seem to have accepted as just ubiquitous parts of our culture. Knowing the prevalence of promiscuity and fornication among teens and single adults and usage of pornography even within the church, we tend to address these as issues of indwelling sin, similar to anger or fear of man, with offers of accountability and understanding when someone falls. By contrast, when it comes to homosexuality or adultery, it is often a church discipline issue. We view homosexual marriage as a major problem, but remarriage after a non-biblical divorce is rarely addressed. These inconsistencies lead to stigmatization and polarization and should have no place in the church. The criterion for escalation should be unrepentance, not the nature of the sexual sin. It is clear from 1 Corinthians that all should be taken seriously, but none should be vilified above others.
4: Culture and Identity
The major underlying problem with many of the sexual sin and gender issues is that they have come to be culturally bound up with people’s identities. This is not a new phenomenon and is not unique to this issue. As far back as Acts 19, you see people becoming “enraged” because Paul had threatened the Ephesians’ cultural identity as worshipers of Artemis. People continue to find their primary identities in their employment, hobbies, sports teams, or families rather than Christ. None of these should be accepted, but none should be reviled either. If a person does not know Jesus, they are dead. How they identify themselves is of no concern. Once they have been made alive, they can be taught that “whose” they are is more important than “who” they are. All identity outside of Christ is not sinful, but if it takes paramount importance, it may become so. A person who recognizes a tendency toward same sex attraction may label themselves as gay or lesbian. This should not be considered a sin issue unless it becomes, for them, their defining characteristic or leads to sinful actions. We should recognize the difficulty of this struggle and support such a person rather than get hung up on labels. There must be clear distinction between identifying same sex attraction and engaging in homosexual behavior. These should be the guiding principles underlying everything that follows are regards individual cases.
5: Public Facing Information, Guests, and New Attendees
Considering what we have discussed, and Paul’s assertion in 1 Corinthians 5 that we ought to reserve judgment on sexual immorality to those we call brother, I would submit that public facing information regarding the church (i.e. website, app, etc) should not publish a position on sexual immorality, marriage, and gender identity. Doing so effectively places the filter at the door so that people who do not know Christ may be turned away from it. This is not tantamount to tacit approval. In appropriate contexts within the church, these topics should still be discussed and addressed, but I do not believe it is consistent with a biblical treatment of unbelievers to place it in a public facing forum. If we have guests or new regular attendees who appear to be engaged in a cohabitating or fornicating relationship, a homosexual relationship, or other sexual sin, this should not be a priority to address unless we have discerned that they are believers and join the church. Even then, it is important to draw a distinction between someone who deals with same-sex attraction and someone who engages in homosexual behavior. The next seven points are meant to discuss, in broad terms, how we should address those who join the church with pre-existing relationships or identity issues:
6: Promiscuity, Cohabitation – Hebrews 13:4, 1 Cor 7:1-2, Ex 22:16
Much of the biblical discussion on promiscuity is by inference. Clearly, sex was meant to be inseparably linked to marriage and outside of that context should be considered immoral. For those who join the church already in a sexual relationship who are unmarried we should apply Exodus 22:16 and encourage them to marry as soon as possible. If they do not wish to marry, they should be encouraged to separate. Paul acknowledges in 1 Cor 7:2 that marriage is the best remedy for “temptation to sexual immorality.”
7: Adultery, Divorce and Remarriage – Matt 5:32, Matt 19:9, 1 Cor 7:10-11
This issue is given much more explicit biblical instruction but is often glossed over in our Christian culture due to the messy landscape of divorces and remarriages. In cases where non-biblical divorce has occurred, if reconciliation is possible, this should be pursued. If reconciliation is impossible because one or more parties have remarried, it would not be sensible to divorce again in order to achieve reconciliation. The principle to apply here, I believe, is from 1 Cor 7:17-24 summarized in verse 20: “Each one should remain in the condition in which he was called.” This is not an ideal circumstance, but it is the best way forward in an imperfect world. Of note, polygamy was common in the culture of the early church, and while not ideal, was accepted by the church, as evidenced by the qualifications for elder to be “a husband of but one wife.” We have polygamous cultures even within our local community and if they came to Christ, we should not counsel them to divorce all but one wife and thus disrupt their social structure. It is not ideal and would disqualify them from eldership, but they should remain as they are. Whether marriage after unbiblical divorce in the past disqualifies a man from eldership is a case-by case question for the eldership.
8: Pornography, Sensuality, and Lust – Lev 18:6-18, Matt 5:28
As mentioned above, use of pornography has reached a high saturation point within our culture and within our church. While once thought of as simply a male issue, there is a growing trend toward gender parity in pornography usage. It is an issue that should be discussed with some frequency within our church. For those that join the church and view pornography regularly, it needs to be made clear that while the world has largely destigmatized it, it is still sexual immorality. Furthermore, this isn’t just limited to nudity and pornography, but any sensuality that leads to looking at someone “with lustful intent” is the heart equivalent of adultery according to Matt 5:28. In our culture, it is not possible to avoid such things by just turning away. We need to address the heart issues of idolatry, selfishness, and satisfaction in Christ. Practically, how should we deal with those who have on-going struggles with pornography, sensuality and lust? Should this preclude them from eldership? From deaconship? Taken strictly, this would preclude nearly all men from eldership. These require individual evaluation from the elders, but a guiding principle should be, if the person is repentant and there is evidence of growth in their life, we should consider more responsibility and continued discipleship.
9: Homosexuality – Lev 18:22, Lev 20:13, 1 Cor 6:9, 1 Tim 1:8-11
From the above references and others, it is evident that homosexual behavior is sexual sin. We cannot equivocate on that point. As we have discussed above, if a person who is already a believer and in the church and struggles with same sex attraction, we should approach them as we would handle anyone who is sexually attracted to someone to whom they are not married. If such a person decides that homosexuality is not sinful and begins sexually immoral activity, we should deal with them in the same way as any member who falls into unrepentant sin and go through the processes of correction and, if necessary, of church discipline. It is important that we draw a distinction between same sex attraction and homosexual behavior. We can do tremendous harm by demonizing same sex attraction and creating a taboo around it. A person who is struggling to abstain from homosexual behavior should be supported and encouraged. I believe Paul’s strong statements about not associating with sexually immoral people applies to those who remain unrepentant. Much more nuanced is the issue of how we address those that join the church already in a homosexual relationship. What about the married homosexual couple who join the church with their adopted child? Should we break up their family? I believe, in this case, the same principle should apply as to those who have gone through an unbiblical divorce in the past. We should apply 1 Cor 7:20: “Each one should remain in the condition in which he was called.” We can recognize that this is not ideal, but it is the best we can do in a fallen world just as we do with someone who is married after unbiblical divorce. Whether should apply to a homosexual couple in a long term committed relationship who are not legally married would be an individual discussion with the elders. Again, these are nuanced cases that will need individual prayer, discussion, and discernment. I believe a great deal more patience is called for when a new believer joins the church that has a history or present reality of homosexuality, even if they are unrepentant at first, believing that homosexuality is not sinful, than we would demonstrate to a person who has been in the church for a period of time and then decides to pursue a homosexual relationship.
10: Bisexuality – Heb 13:4
Bisexual attraction is no more or less of an issue than anyone who finds that they are sexually attracted to someone other than their spouse. This is not a rare or unique circumstance, even within the church. Someone who is practicing bisexuality is, by definition, not confining sex to the marriage bed, and this, therefore, qualifies as sexual immorality. The issue, here again, is one of identity and cultural acceptance. If a person “identifies as bisexual,” the real issue is not the bisexuality, but the fact that they identify themselves primarily by their sexual desires, and not by Christ. It would be equally a problem if they “identified as heterosexual” and that was seen as their defining characteristic. If such a person were to join the church, our priority should be in helping them see their identity in Christ rather than focusing on renouncing their sexual preference.
11: Transgenderism/Non-binarism – Psalm 139: 13-15
It should be noted that the next two points should not be considered in the category of sexual immorality, but as they are connected to the same cultural moment will be discussed here. It should further be remarked that transgenderism is a modern issue with no direct reference in Scripture. It is a challenging issue that often falls prey to oversimplification and scapegoating. It is not sufficient to simply state that a person should identify with their born gender. There are those born with ambiguous genitalia and those born with sex chromosome abnormalities such that “born gender” is not necessarily accurate. These occur with a frequency of 1 in 448 births on average which is not particularly rare. The majority of people who consider themselves to be transgender do not fall into these categories, but the fact remains that these categories exist. Unless we plan to embark on genetic testing, we must be careful how we assert someone’s gender assignment. Furthermore, we must acknowledge that much of the gender confusion in our culture is due to a distortion of biblically accurate masculinity and femininity in our culture of which the church has been widely supportive for generations. Many transgender and non-binary individuals consider themselves so because they do not fit into the traditional boxes our culture has created for the genders. The church can start by recognizing that these boxes are incorrect. We can also acknowledge that gender differences and roles are far less important than most human cultures perceive. Christ himself challenged many gender norms in his ministry and Paul maintains “…there is no male or female, for you are all one in Christ Jesus.” (Gal 3:28b) It is much more difficult to recognize this issue as a sin issue than many of the above concerns. If someone wishes to be addressed by different pronouns than they once did or dress differently than they once did, this does not amount to immorality. Once again, this can be an idolatrous identity issue if the person sees it as the central characteristic of their lives. There is often an inherent pride in asserting that such a person does not feel they fit in the body created for them, but if they come to love Jesus and understand and believe that they are “fearfully and wonderfully made” then this issue may become moot. Whether or not they revert to dressing differently or using pronouns they did when they were younger is largely immaterial. This also addresses the issue of people who may have undergone permanent physical changes. While we should not endorse such modification if it is being considered, there is no reason to reverse such a thing in order to return to a base state. We must recognize that this is a group that has a high propensity toward mental health concerns, instability, and suicidality. They need love, support and prayer, not scapegoating and extra-biblical expectations of conforming to a cultural norm. We must further note that this group as well as the homosexual group have often experienced psychological and even physical harm from others in our culture, sometimes in the name of Christ. We must foster an environment of champions physical and psychological safety for these people.
12: Asexuality – 1 Cor 7:25-38
Asexuality also should not be considered sexual immorality. There is, in fact, wide support in Paul’s letters such as in 1 Cor 7 for people, if they are able, to remain unmarried and be “anxious about the things of the Lord, how to please the Lord.” We tend to champion the model of the nuclear family in our Christian culture, but Paul sees chaste singleness as a better way. There should be no pressure from the church to make sure that single people pair off and get married because it is expected of them. As this state has been culturally identified with the LGBTQIA movement, it is seen on the same spectrum as the sexual immorality and gender issues discussed above, but it is not. It can still fall prey to the same issue of an idolatrous identity as some of the above issues, but it need not be so.
13: Glass Ceiling
In the event that God sees fit to bring people from these subgroups into our church, there would inevitably be a glass ceiling. The question is at what point. The four logical points are: regular attender, member, deacon, and elder. Regardless of their background or position, all should be welcome to be a regular attender. It is also clear, from the biblical requirements for eldership, that on-going problems or engagement in any of the sexual sins would disqualify them from that post. The middle two are less clear. I would submit that the bar for membership should be very low. This step, in my opinion, is when they would “bear the name of brother” and not before. Even if they disagree about the sinful nature of homosexuality, this should not disallow them from becoming members as long as they agree to submit to the churches position and not cause division. Allowing them to become members gives us the pastoral authority to speak into their lives, and we would hope that over time the Spirit would work in their hearts to convince them of the truth. Putting such a person in a deacon role would probably not be wise but would need to be evaluated prayerfully on a case-by-case basis. The difficulty here is that, while a position on homosexuality is not a salvific issue and should not be considered a core doctrine in the same way as the deity of Christ, for example, it is a sin issue. There is a limit to how far we can “agree to disagree” and still uphold our duty to root out sin in our midst. Once again, we should also distinguish between a struggle with same sex attraction and engagement in homosexual behavior when we consider our response. There is also a glass ceiling when it comes to marriage. While I believe we should not break up existing homosexual marriages, we should not participate in creating them. The marriage covenant between a man and woman was created, in part, to reflect the relationship between Christ and the church (Eph 5). This should not be co-opted to excuse or normalize immorality.
14: Nuance and Edge Cases
The above outline is by no means meant to be exhaustive or definitive. It is meant to provide a lens, supported by scripture, through which we can view these issues and consider corporate and pastoral responses. It should inform how we view the people that walk through the door from a wide range of backgrounds and how we equip those in our church to be Christ’s ambassadors to those in our community. Every person and circumstance, history and baggage will be different, and any non-nuanced position would be inherently evil. I pray we have many opportunities to talk, think and pray through specific situations that God would bless us with the chance to be a part of. What an honor it would be to be used to reach into broken lives like these with the Gospel of Grace.
15: Action Steps
As we consider practical and philosophical ways of responding to the above, I believe we should start from a position of corporate repentance. If we wish to truly reach out and touch the lives of broken people in need of a Savior who live a life of same sex attraction or gender dysphoria, we need to begin by recognizing that a great deal of harm, emotional and physical, has been inflicted on this group by the Church for generations. There are homeless people living in our area who were kicked out of their homes by parents holding a Bible. There are those who have been subjected to horrific methods that amount to torture under the guise of “Conversion Therapy” from Christian organizations. The only “conversion” we should concern ourselves with is to a regenerate heart. Attempting to change someone’s sexual attraction is very much beside the point. We cannot hope to be a place where such people can hear about Jesus unless they feel safe to enter our doors. We must also fight the tendency to consider sin in this area as something worse than others, even in non-Christians. James 2 says “…For whoever keeps the whole law but fails in one point has become guilty of all of it….So speak and so act as those who are to be judged under the law of liberty. For judgment is without mercy to one who has shown no mercy. Mercy triumphs over judgment.” As we consider corporate and pastoral responses to the argument above, we must start by removing our own planks and repenting for the historical actions of the Church.
Practical steps that we could consider taking would include: removing the statements from the website about marriage and sexuality, especially directly under our Core Beliefs. Again, this is not meant to hide or equivocate on the truth, but not to set such a barrier before someone even walks through our door. Secondly, we should consider how to address these topics within the church. A Sunday morning sermon is not ideal as it is time limited and a unidirectional conversation. A small group course format would be a consideration. We need to equip parents and family members of adolescents, teens, and adults with language to talk about these things in loving, humble, God-honoring ways. In the longer term, we need to consider how we can make our church a place where people would feel comfortable inviting friends and family who look, think and act differently than we do. We need to find a way of projecting safety and inclusion even in our public facing information. This isn’t a balancing act where we must make it clear early and often that we “love the sinner but hate the sin” as the saying goes. We just need to love the sinner. Dealing with the sin can come later God-willing. A third application point is to be mindful of what we say and what we allow to be said without being checked. Certainly, joking at the expense of those who are dealing with these issues is unacceptable, but we also need to work to avoid getting dragged in to pseudo-political discussions on bathroom issues, sports issues or other divisive concerns that have no bearing on the church.
I recognize that these proposals have the potential to divide the church. There are some who may leave the body over these sorts of changes. I would argue that it is our responsibility to them as well as to the unreached in our community to have those discussions and risk some of them leaving over it. These are not all things we should change overnight but after ample opportunities for discussions and prayer.
16: Conclusion – Mark 2:15-17
At its core, these are not issues of who someone loves, sexual attraction, or even specific sex acts. The core is idolatry and identity. When acceptance by others, self-determination, or physical pleasure become the central force driving our lives then we have become idolators. Though our idols take on different shapes, the struggles in this space are shared by all. Whether you are identified by your profession, your family, or your gender identity, you are not being identified by your Master. Building fences around or within the church because someone sins in a different way than us cannot be allowed. Making the excuse that we are somehow “protecting our children” by shielding them from people in our community who desperately need a Savior will not show our children who Jesus is. Within the church, we cannot be afraid to “speak the truth in love.” We need not and cannot shy away from sin in the church, but we must recognize that the Spirit works in each of our lives. Often this happens over a period of time. We should be prepared to walk alongside our brothers and sisters in this journey for as long as they need.
There is a significant correlation between this community and their relationship with religious groups, and the “tax collectors and sinners” that Jesus sought out in His ministry and their relationship with the religious leaders of the day. Our heart should reflect His. Jesus responded: “It is not the healthy who need a doctor, but the sick. I have not come to call the righteous, but sinners.” (Mark 2:17) If our church was filled with transgender people and gay families that loved Jesus, God would be glorified.”
Thank you in advance for any constructive criticism, notes of encouragement and or reading recommendations on these topics that I can pass along.
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2024.05.21 17:24 TheLotStore Investment Opportunity: Land for Sale Under $1000

Investment Opportunity: Land for Sale Under $1000
Investment Opportunity: Land for Sale Under $1000
Opportunity for Investment: Acreage for Sale Below $1000When contemplating investments, the typical choices are often stocks, bonds, or real estate assets. Yet, a frequently disregarded investment prospect is the acquisition of land. Land is a tangible asset that can gain value over time, presenting a potentially profitable investment.If you aim to venture into the realm of land investments without overspending, there are numerous budget-friendly alternatives available. In this text, we will examine the investment opportunity of purchasing land for sale under $1000.Reasons to Invest in Land?Prior to delving into the specifics of purchasing land for under $1000, let's initially discuss why investing in land could be a wise financial decision.1. Limited Supply: Land is a finite asset, and its availability is restricted. With rising populations and ongoing urbanization, the demand for land will only escalate, subsequently enhancing its worth over time.2. Tangible Asset: In contrast to stocks or other financial assets, land is a concrete asset that can be visually observed and physically touched. This can provide a sense of assurance and stability in your investment portfolio.3. Diversification: Incorporating land into your investment portfolio can serve as a great diversification strategy. By integrating a real estate dimension into your assets, you can lessen overall risk and potentially boost returns.4. Potential Appreciation: Land possesses the potential to appreciate in value over time, particularly if it is situated in a desirable location. Through land investments, you can potentially secure a significant return on your initial investment.5. Passive Income: In addition to prospective appreciation, land can also generate passive income via leasing or renting. This enables you to receive regular income from your land investment without the necessity of active management.Acquiring Land for Sale Below $1000: Aspects to ConsiderWhile the notion of buying land for under $1000 may seem enticing, various factors must be taken into account before proceeding with a purchase.1. Location: Similar to any real estate investment, the location holds paramount importance. Even if the land is bought for a discounted price, it might not appreciate in value if positioned in a remote or undesirable area. Seek out land in up-and-coming regions with growth and development potential.2. Zoning Regulations: Before finalizing a land purchase, ensure a thorough understanding of the zoning regulations in the vicinity. Certain areas may have limitations on land usage, which could influence its potential value and future development prospects.3. Accessibility: Assess the land's accessibility. Is it conveniently reachable by road? Are utility services available nearby? These elements can impact the land's worth and prospects for development.4. Market Trends: Conduct research on the local real estate market to grasp current patterns and future forecasts. Are property values trending upwards or downwards in the area? Acquiring awareness of market trends can aid in making an informed investment decision.5. Potential Utilizations: Ponder upon potential applications of the land. Is it suitable for residential, commercial, or agricultural purposes? Understanding the potential uses of the land can aid in determining its long-term value.6. Due Diligence: Lastly, exercise due diligence prior to making a purchase. Scrutinize the property, conduct a comprehensive title search, and contemplate engaging a professional land surveyor to evaluate the land's perimeter and potential.Locating Land for Sale Below $1000Now that you comprehend the factors to evaluate when seeking land for sale under $1000, where can one actually locate such cost-effective land?1. Online Land Auctions: Websites like LandWatch, LandCentury, and GovDeals frequently showcase land for sale at reduced rates through online auctions. You can place bids on land parcels and potentially secure a remarkable deal for under $1000.2. County Tax Sales: Many counties conduct tax sales to auction off properties with overdue taxes. These properties can often be acquired for a fraction of their market value, rendering them a great option for affordable land investments.3. Real Estate Websites: Platforms such as Zillow, Realtor.com, and LandBrokerMLS provide listings for land for sale nationwide. Filter your search by price to pinpoint land for under $1000 in your preferred location.4. Local Real Estate Agents: Establish contact with local real estate agents in the region where you are interested in acquiring land. They might possess listings for budget-friendly land that are not widely advertised.5. Networking: Reach out to local landholders, developers, and investors to inquire about any land for sale at a reduced price. Networking can serve as a valuable resource for unearthing hidden gems in the real estate market.Advantages of Acquiring Land for Under $1000Purchasing land for under $1000 can furnish multiple benefits to investors seeking to diversify their portfolios and potentially realize a return on their investment.1. Low Entry Cost: A significant advantage of acquiring land for under $1000 is the minimal entry cost. Investing in land does not necessitate substantial funds, enabling you to initiate the construction of your real estate portfolio with a modest investment.2. Potential for Elevated Returns: While appreciation is not guaranteed, acquiring land for under $1000 presents the potential for high returns if its value escalates over time. By investing in cost-effective land, you can potentially secure a substantial profit on your initial investment.3. Diversification: Integrating land into your investment mix can aid in diversifying your assets and reducing overall risk. Land investments can serve as a safeguard against inflation and economic downturns, providing stability to your portfolio.4. Passive Income: Depending on the land's location and potential uses, you may be able to generate passive income through leasing or renting. This can establish a stable source of income to supplement your investment returns.5. Long-Term Growth Potential: Land constitutes a long-term investment that can appreciate in value over time. By retaining your investment for an extended period, you can potentially realize substantial gains as the land's value appreciates.6. Potential for Development: Affordable land purchased for under $1000 may hold opportunities for future development or rezoning. By investing in land with development potential, you can capitalize on forthcoming growth and enhance the land's value.Risks of Acquiring Land for Under $1000While there exist numerous benefits to purchasing land for under $1000, there are also risks to be mindful of before proceeding with a purchase.1. Lack of Liquidity: Land is deemed an illiquid asset, implying that selling it quickly can prove challenging if you necessitate access to your investment. Prepare for potentially extended holding periods before realizing returns on your land investment.2. Maintenance Costs: The land's condition and intended use may entail ongoing maintenance expenses to consider. Account for costs related to property taxes, utilities, and landscaping when planning for your land investment.3. Market Volatility: Comparable to any real estate investment, land values can fluctuate in accordance with market conditions. Be prepared for potential market volatility and acknowledge that your investment may not consistently appreciate in value.4. Zoning Changes: Alterations in zoning regulations can influence the land's value and prospective utilizations. Be vigilant regarding potential shifts in zoning laws that could impact your investment and future development prospects.5. Title Issues: Prior to purchasing land, conduct an exhaustive title search to confirm the absence of title issues or encumbrances.that might impact your ownership rights. Title problems can be expensive to address and might affect the land's worth.6. Location Considerations: The positioning of the land can significantly influence its value and potential for growth. Take into account elements such as accessibility, proximity to facilities, and growth possibilities when assessing the land's investment potential.Tips to Succeed in Land InvestmentTo optimize the potential of your land investment for less than $1000, take into account the following guidelines for successful land investing.1. Establish Clear Investment Objectives: Define your investment aims and targets before purchasing land. Are you seeking long-term growth, passive income, or possibilities for future development? Clear objectives can steer your land investment approach.2. Carry Out Comprehensive Research: Delve deep into the property before finalizing a purchase. Consider engaging a professional land examiner and lawyer to assess the property's title, boundaries, and probable hazards. Thorough research is crucial for a successful land investment.3. Grasp Market Trends: Keep abreast of local real estate market trends and predictions. Knowing market dynamics can assist you in making informed choices about when and where to invest in land.4. Connect with Industry Experts: Foster relationships with property agents, builders, and investors in the specific area where you intend to acquire land. Networking can offer valuable perspectives and openings for discovering economical land investments.5. Maintain Determination and Perseverance: Land investment demands perseverance and determination. Finding the ideal opportunity at the correct price may require time, so persevere in your quest and remain patient in anticipation of the right investment.6. Solicit Expert Counsel: Consider getting advice from financial consultants, property professionals, and legal authorities before embarking on a land investment. Professional guidance can aid you in making informed choices and steering clear of expensive errors.To summarize, purchasing land priced below $1000 can present a savvy investment prospect for investors aiming to broaden their portfolios and potentially achieve profits on their capital. By contemplating the factors discussed above, conducting thorough research, and adhering to the recommendations for successful land investing, you can push the potential of your economical land investment. With meticulous planning and investigation, investing in land for less than $1000 can generate noteworthy returns and enduring growth prospects.
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/investment-opportunity-land-for-sale-under-1000/?feed_id=11241
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2024.05.21 16:57 Fit_Cantaloupe_1691 Masters in counseling at NYIT

If anyone is on this subreddit that goes to nyit for ma in counseling please share you experience. Would you recommend it? The way they structure it being online and part time allowing summers is perfect for me.
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2024.05.21 16:52 Career-cycles Inspiring Your Career Path: Tips and Insights from Top Career Counselors in Toronto

Career planning can be a daunting task, but with the right guidance and resources, you can set yourself on a path to success and fulfillment. In this blog post, we will explore valuable tips and insights from experienced career counselors in Toronto, offering a comprehensive guide to help you navigate your career journey.
1. Seek Professional Guidance: Career Counselors Near Me
Finding a local career counselor can provide you with personalized advice and support tailored to your unique needs and aspirations. Career counselors near you can help assess your skills, interests, and values, guiding you towards suitable career options.
2. Utilize Career Counseling Services in Toronto
Toronto is home to many professional career counseling services that offer a range of support, from resume building to interview preparation. These services can provide you with the tools and strategies needed to succeed in a competitive job market.
3. Engage with Career Consultants in Toronto
Career consultants in Toronto can offer expert advice on job market trends, industry demands, and career development opportunities. They can help you make informed decisions about your career path and provide insights on how to advance in your chosen field.
4. Work with a Career Coach in Canada
A career coach can offer you tailored guidance and support throughout your career journey. They can help you set realistic goals, develop a career plan, and stay motivated. Career coaches in Canada are well-versed in the local job market and can provide valuable networking opportunities.
5. Focus on Career Development
Career development is a continuous process of learning and growth. Invest in yourself by seeking out professional development opportunities, such as workshops, courses, and certifications. This not only enhances your skill set but also makes you more attractive to potential employers.
6. Leverage Online Resources and Tools
In addition to in-person services, many career counseling and development resources are available online. Websites, webinars, and online courses can offer flexible and accessible ways to enhance your career planning efforts.
7. Network and Build Connections
Networking is a crucial element of career planning. Attend industry events, join professional associations, and connect with peers and mentors. Building a strong professional network can open doors to new opportunities and provide valuable support.
8. Stay Informed About Industry Trends
Keeping up with the latest trends and developments in your industry is essential. Subscribe to industry publications, follow thought leaders on social media, and participate in relevant discussions to stay informed and ahead of the curve.
9. Reflect and Reassess Regularly
Regular self-assessment and reflection are key to successful career planning. Take the time to evaluate your progress, reassess your goals, and make adjustments as needed. This ensures that you remain aligned with your personal and professional aspirations.
By utilizing these tips and leveraging the expertise of career counselors, consultants, and coaches in Toronto and beyond, you can effectively navigate your career path and achieve your professional goals. Whether you are just starting out or looking to make a career change, professional guidance can make a significant difference in your career development journey
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