I have a quick question - what’s the best route to take looking to take out a SBA loan?
I’ve already submitted all of my info directly through the SBA Portal - and they reached back out to me with certain lenders who matched with me.
Any helpful insights? Is it worth it taking it out?
I already have my business plan I’m looking to use the loan for

The global non-alcoholic beverage market is projected to witness a substantial Compound Annual Growth Rate (CAGR) of approximately 6% from 2024 to 2030. Key drivers of this growth include the increasing consumer inclination towards ready-to-drink beverages and the surge in social and cultural activities worldwide. Moreover, the growing awareness among consumers regarding health consciousness is anticipated to boost the demand for nutritious beverages, thus contributing to the market expansion throughout the forecast period.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=39608
Market Trends:
Rise in Health-Conscious Consumerism: The trend towards healthier lifestyles is driving demand for non-alcoholic beverages that offer functional benefits such as hydration, vitamins, and natural ingredients. Consumers are increasingly seeking beverages with lower sugar content, organic ingredients, and added nutritional value.
Growing Preference for Ready-to-Drink (RTD) Beverages: Convenience plays a significant role in consumer beverage choices, leading to a rise in demand for ready-to-drink options. RTD beverages, including bottled teas, coffees, energy drinks, and functional waters, cater to consumers' on-the-go lifestyles and busy schedules.
Innovation in Flavors and Ingredients: Beverage manufacturers are constantly innovating to meet evolving consumer preferences by introducing new flavors, ingredients, and formulations. This includes exotic fruit blends, botanical infusions, plant-based alternatives, and functional additives like probiotics and adaptogens.
Focus on Sustainability and Eco-Friendly Packaging: Environmental concerns are influencing beverage brands to adopt sustainable practices throughout their supply chains. This includes using eco-friendly packaging materials, reducing carbon emissions, and implementing recycling initiatives to minimize environmental impact and appeal to environmentally conscious consumers.
Expansion of Non-Alcoholic Beer and Wine Categories: The growing trend towards moderation and mindful drinking is driving the expansion of non-alcoholic beer and wine categories. Beverage companies are introducing alcohol-free alternatives that mimic the taste and experience of traditional alcoholic beverages, appealing to health-conscious consumers and those seeking alternative social options.
Market Opportunities:
The non-alcoholic beverages market presents a wealth of opportunities fueled by several key factors. With the rise in health-conscious consumerism, there is a growing demand for beverages offering functional benefits and natural ingredients, creating opportunities for companies to innovate and introduce healthier alternatives. The trend towards convenience is driving the popularity of ready-to-drink beverages, opening avenues for product diversification and expansion into new packaging formats. Additionally, the focus on sustainability and eco-friendly practices presents opportunities for brands to differentiate themselves by adopting environmentally responsible manufacturing processes and packaging solutions. The burgeoning market for premium and artisanal offerings allows companies to tap into consumer preferences for unique flavors and high-quality ingredients, while the expansion of non-alcoholic beer and wine categories caters to the increasing demand for alcohol-free alternatives.
According to the recent report published by RC Market Analytics, the Global Non-Alcoholic Beverages Market is expected to provide sustainable growth opportunities during the forecast period from 2024 to 2030. This latest industry research study analyzes the non-alcoholic beverages market by various product segments, applications, regions and countries while assessing regional performances of numerous leading market participants. The report offers a holistic view of the non-alcoholic beverages industry encompassing numerous stakeholders including raw material suppliers, providers, distributors, consumers and government agencies, among others. Furthermore, the report includes detailed quantitative and qualitative analysis of the global market considering market history, product development, regional dynamics, competitive landscape, and key success factors (KSFs) in the industry.
Browse the Full Report Discretion @ https://www.researchcorridor.com/non-alcoholic-beverages-market/
Geographically, the non-alcoholic beverages market report comprises dedicated sections centering on the regional market revenue and trends. The non-alcoholic beverages market has been segmented on the basis of geographic regions into North America, Europe, Asia Pacific, Latin America, and the Middle East & Africa. Non-alcoholic beverages market estimates have also been provided for the historical years 2020 to 2023 along with forecast for the period from 2024 - 2030.The report includes a deep-dive analysis of key countries including the U.S., Canada, the U.K., Germany, France, Italy, China, Japan, India, Australia, Mexico, Brazil and South Africa, among others. Thereby, the report identifies unique growth opportunities across the world based on trends occurring in various developed and developing economies.
The Non-Alcoholic Beverages Market Segmentation:
By Product:

• Carbonated Soft Drinks (CSDs)
• Fruit Beverages
• Bottled Water
• Functional Beverages
• Sports Drinks
• Other

By Distribution Channel:

• Supermarkets and Hypermarkets
• Food Service & Drinking Places
• Convenience Stores
• Vending Machine Operations
• Other

By Region:

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Major players in the global non-alcoholic beverage market include PepsiCo, Inc., The Coca-Cola Company, Nestlé S.A., Dr. Pepper Snapple Group, Inc., and The Kraft Heinz Company. These companies are pursuing market growth through expansion, new investments, innovative service offerings, and strategic collaborations. By entering new geographical markets and acquiring other businesses, they aim to gain a competitive edge and benefit from synergistic opportunities.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=39608
Key Questions Answered by Non-Alcoholic Beverages Market Report:

• Product popularity and adoption based on various country-level dynamics
• Regional presence and product development for leading market participants
• Market forecasts and trend analysis based on ongoing investments and economic growth in key countries
• Competitive landscape based on revenue, product offerings, years of presence, number of employees and market concentration, among others
• Various industry models such as SWOT analysis, Pestle Analysis, Porter’s Five Force model, Value Chain Analysis pertaining to Non-Alcoholic Beverages market
• Analysis of the key factors driving and restraining the growth of the global, regional and country-level markets from 2020-2030

About Us:RC Market Analytics is a global market research firm. Our insightful analysis is focused on developed and emerging markets. We identify trends and forecast markets with a view to aid businesses identify market opportunities to optimize strategies. Our expert’s team of analysts’ provides enterprises with strategic insights. RC Market Analytics works to help enterprises grow through strategic insights and actionable solutions. Feel free to contact us for any report customization at sales@researchcorridor.com.
Media Contact:
Company Name: RC Market Analytics Pvt. Ltd. Contact Person: Vijendra Singh Email: sales@researchcorridor.com Visit us: https://www.researchcorridor.com/

~Player always get better or cooler reward for helping other~
Player race - fiver options for customization
Ghoul
No radiation damage + slow regeneration + npc more mefiant and discrimination
Glowing ghoul =
No radiation damage + slow regeneration + npc shoot on sight need to convinced them you’re sane
Super mutant =
No radiation damage + Npc are scared and treat you like an idiot and discriminate
Synthétique =
The compount will hunt you down eventually
Human = no malus or bonus

Character background :
Ghoul / glowing ghoul : Old ghoul ; new ghoul ; vault
Human : Vault ; settler ; brotherhood ; institute
Super mutant: amnesiac
Synthétique : Railroad ; Mister handy (Miss nanny) Old, new, vault.
START
New arrivant decided to etablished themselves in an old farm close to the local town and become farmer.
First objectif :
- rebuilt home by scavenging in delapited town

• scavenging town to find seed (First seed of the player)
  
• Scavenging town to find gardening tool
  

Mechanics

Upgrade house by collecting enough scavenging material (metal, stone, tape, glue, etc…) and paid the town entrepreneur to do so.
Possibility to upgrade town by the same way : drinkable water ; defense ; radio tower ; museum ; school ; etc…
Defend home from wild attack (animal, raiders, super mutant, ect…) with gun and eventually autonomous turrets (later game) and engage mercenary to defed (late game). The more the player amass money, the more frequent the attack will be.
Scavenger will gossip about big event and some minor event that occurred in the settlement that you participated in.
Settlement gestion :

• Happiness (Festival ? ; npc request ; …)
  
• Sanitaire (Water access)
  
• Defense (Millitia ; autonomous turrets ; dogs)
  

Thirst gestion.
Can recolt skin, meat (and bones?) of wild animal.
Can recolt material, used to very used weapond, (rarely) health item, (meat and corpse body parts?) on intelligent humanoïds ennemy
Carrying can either be by weight of the item or by the number of item player can carry.

Farming

Season : Spring (middle season) ; Summer (high season) ; Automn (middle season) ; Winter (low season)
Tool: Hoe ; Scynthe ; Watering can ; Pickaxe hamme
Base crop value vs transform product :
Spring : -- ++
Summer : --- +++
Automn : ++ --
Winter : +++ ---

Can sell crop and other to nearest settlement (help with settlement relationship at first) or to traveling marchant.
The river close to your home have fish in it. It take two day for fish to repopulate. If seasonal fish have all be take out, it will take two years
Can raise different mutated animal. Sell them to the town for meat (or kill them and sell them yourself ?) or keep them alive for animal product. (Animal have life span?)
Transform product : Wine ; beer ; jelly ; dried spice,meat, fish ; cheese ; mayo ; butter
Farm building :

• Coop and barn
  
• Forge to fix used weapon
  

- Wind mill

• Food storage (?)
  
• Money storage (no bank, credit card or debit card. Need to carry in your inventary the money life in fallout)
  

Crop seed that can be found in the town :

• Potato
  
• Melon
  
• Wheat
  
• Corn
  
• Carrot
  
• Gourd
  

Seed you can buy for traveling marchants :

• Spice seed (basilic ; persil; etc..)
  
• Fruit seed
  
• Legume seed
  

( - Flower and house plant seed ? (Aloes??))

Fight

No power armor for the player :(
Can buy stimpack and radaway from settlement healer or from scavenger in the town (for a more expensive price). When reach high enough relationship with healer, he will give you the recipe for both. The only way to regain life and get rid of radiation (sleep and food don’t heal). (Sickness (malus) if health too low for too long?)
Gain radiation by drinking
The main fight zone of the game is the town. In the edge : house, a small commerce (tiny to small dungeon) ; Closer to the center: Office, appartement (small to medium dungeon) ; Center : Commercial center, sky scrapper, (subway?) (normal to big dungeon.
Some raiders and some synth will drop their weapons and beg for their life if the health is low enough. Spare enough of them and you will receive letter from either : the minuteman ; the brotherhood or the railroad to thank you for sending more recruit their way. Two or three will regularly visit town.

Relationship

Can get a dog as a perm. Companion (can choose race?) (Can breed you dog and gitf puppy to the settlement?)
Npc relationship possible bonus :
- Discount (from marchant)
- Recipe
- Special cut scene
- (Sometime) help on the farm

• (Sometime) help to defend the farm

Some npc love receving gift other will be inconfortable with it. But after (wedding?) no adverse reaction to receive gift.

• 2 gift a week
  
• 1 gift a month (After the first gift wil react more and more incomfortable, will start to lower relationship)
  

MAX : 2 gift a week
Might meet some settler in the edge of the town, scavenging like you.
Cause of relationship decay :

• Unlike gift
  
• (for some) offer to many gift
  
• 1 month with no interraction
  
• Answer choice
  
• Attacking townie (unkillable)
  
• Question choice
  

There’s a vault “near” the settlement. Gain their trust by doing quest (# depend on race of the player). Once they trust you and when you become mayor, they will become full allied and allow circulation between their vault and the settlement.
Romanceable npc
- # Ghoul

• Robot (Synth and miste handy (miss nanny)

• Super mutant

• Settler

- 1 Traveling npc
Special romance
- Mysterious stranger (need 10 Luck and insert condition)
Will randomly pop out of your house and pop back in. Will tell you about a lone wanderer, courrier or vault survivor he helped. Will come to your help in combat with baby in hand (if kid in the game)

• intelligent deathclaw (insert conditions)

Rival ? Date ?
If there’s kid in the game
Player will be able to have two kids. (Hatchling deathclaw will count as one if in a relationship with Deathclaw).
If player or spouse can’t have a kid (Super mutant ; ghoul ; Synth); player will get a quest about a raider camp in town. Discover all prisoner are dead except one human baby hidden by the body of his dead mother.
Quest reward : Congradulation you are a parent :D
If player can have kid; if spouse is a women, player will have to catter to their wife food craving (nothing with rare item) or face a penality in the relationship. If player is a women ; Malus in health, energy, slower deplacement and carrying capacity decrease the more and more the pregnancy advance. New choice of answer : pissed as fuck and hormonal. Spouse will insist to become a companion until end of pregnancy
Kid will go to school (town upgrade) for three day, help on the farm for three other and have a free day.

Stats

Strenght : carrying capacity (?) ; combat ; energy ; health ; defense
Perception : detect ennemy ; scavenging ; npc interraction
Endurence : health ; energy ; resistance
Charisma : batter ; persuasion ; Npc weariness ; # limit of resident npc in settlement
Intelligence : crafting farm upgrade (fertilizer ; spinkler) ; used weapon fixing
Agility : sneak ; weapon ; defense
Luck : loot quality ; gambling (?) ; crit chance (max starting points : 5)

Skill

Tree skill style possibility : Path of exile ; Outer world
Farming: Tilling - Watering
Fight: Heavy weapons- Light weapons- Melee
Defence : Dodge - Block
Stealth: Sneak- Lockpick - Hack
Endurance : Poison resistance - Radiation resistance - Thirst resistance
Persuasion: Batter - Intimidation - Persuation (?)
Scavenging : Deconstruct - Descerning eyes
Thinkering : Crafting - Engineering - Medecine
(Upgrade skill to upgrade stat? Once you upgrade a skill enough, it allow you to upgrade the stat?)

Quest :
Attempt murder on the player by the mayor once town upgrade and settler relationship high enough. Scare that they would lose their place to you to engage mercenary or try to poison you to keep their place. Force the mercenary to tell you who paid them or find a note on one of them or talk to the mayor after the attack (will be surprise to see you alive). You can :
- Bring him to justice and let the settler decide of his fate. (Will be possible to talk to him in prison)
- Execute him (will have to prove to the settler that this was auto-defense. Lose some relationship with settler)

• Let him life (will leave town. Grateful to be alive but bitter to have lose his title)

Result : Become mayor next election!
Raides have created a camp close to the settlement. Remove them. Player will find two npc in cage. You can :

• Let them there

-Help them out
-Kill them inside the cage
Result :

• They die
  
• Will eventually die of thirsth
  
• Will come to the town and become settlers
  

You’ve find a mister handy (or miss nanny) in the town. Why not fix them?
Result : They will propose you to help you on the farm. Accept and they’ll start working the day after. Refuse and they’ll becom settler. (Possibility to make them synth when relationship high enough?)

Find a sorry scene : deadraiders; a dead deathclaw; a nest with two crushed egg a one intact egg. You can :

• Sell the egg
  
• Eat the egg
  

-Hatch the egg
Result :

• Money
  
• Bost in one stat? Level upgrade?
  
• Get a baby deathclaw. Will be able to switch with you dog as perm companion. (If romanced the deathclaw, you spouse will leave with the hachtling for a season. When back the hatchling statut will change from animal to children and gain dialogue)
  

The river close to your house is drying. Discover the reason. The river goes into a cavern and to a lake.
Result : new fish
There’s a thirsthy and hungry homeless man at the edge of the settlement. You can :
-Give him food and water for a week
-Let him there
-kill him
Result :
-They get back on their feet and eventually open an inn in town. Will sometime offer you free drink an talk to you about stranger he hepled by following your exemple.
-They will slowly die an talk with more and more difficulty. (Which led to kill him)
-Burry him and make a small tomb or let him root there. Will get eaten by wild animal.

Guiding an injured npc to the town
Result :??

The settlement don’t have enough food for the winter and ask for your help. You can :

• Refuse
  
• Accept
  

Result :

• -- relationship with settler and some settler will die
  
• ++ reward if accept
  

Help to defend the settlement (before settlement defense upgrande)
Result :??

The scientist of the vault ## think they can help you rediscover old world crop see.
Result : new seeds :D

End game quest :
The vault now trust you enough to tell you about the G.E.C.K.S. The received one that ended up defective and never received the second. They want you to go to the vault building in the center of the town and see if you can find any information about it. Vault tower will be the most difficult dungeon in the game. Beat it to find that the G.E.C.K.S was sent to a second vault that was either unfinished or an experimentation. Go the the vault ## to discover that the G.E.C.K.S had taken some damage from bad condition and bad storage. Get all the item to fix it and either fix it yourself (no money cost) or ask to a vault scientist to fix it (+++ money cost)
Result : The map surrounding your house, the vault and the town will become more and more green with beautiful tree (Process will take ### day or month or years)

I own a rental and renovation business. I have a house valued at approximately $300,000 with a $180,000 mortgage. The property generates a net cash flow of about $600 per month after expenses, and I have a $40,000 HELOC on the house that I haven't used yet. Besides that, my liquid cash reserves are low. Should I use the HELOC funds (and possibly a business line of credit) to purchase another property using a DSCR loan, then focus on building up my cash reserves while paying down the HELOC as both properties generate cash flow? I'm struggling to assess my leverage risk, but I know I would have enough for the down payment and closing costs on a new property that would cash flow, leaving me with around $10,000 for emergency expenses, potentially more if I can secure a $50,000 business line of credit. I have access to places where I can live rent-free, which would allow me to pay down the HELOC and lines of credit more quickly during the cash flow process.

Hello guys,
Found out last week I’m gonna become a dad. I’m thrilled and super happy, but after a week of positivity, I need to take care of some things.
I’m 25 my wife to be is 24.
My take home is €2600 a month (this is base pay, I’m a Sales Manager, and I do get good commission, but some months can be without commission, so let’s just use that for calculation. Commission can grant me up to almost €4000). I work in Telecommunication industry.
My rent is €640 except when it’s a 5 week month, it’s €800.
-rent 640
-electricity 50-70 (winter)
-loan 100 (will be paid of in 2 months)
-humm 80 (will be paid off in 5 months)
-subscriptions 100
-broadband and phones 100 (will be switched to my employer and dropped to 50)
I need to spend around €1000 for a wedding (small wedding just couple of people).
I don’t think we’ll send a kid to creche as I personally don’t have a driving license, and closest creche now taking is 20km away, while she does have a driving license, I have no place to park a car, and car payment + Parking permit + insurance would add too much to our bills right now, and we live in a town center.
If my S/O decides to go back to work, my mother will visit to help with the child, and her aunt and cousins are in Ireland so they offered help also.
How much is: food for the child nappies Other things I need to worry about?
I will get clothes from my brothers children and a stroller.
I am planning of availing free college courses on Springboard+ and eCollege, particulary Business courses so I can get a better paying job. I actually do have BA degree in Electrical engineering but I don’t want to work in that branch.
I have free healthcare through my work.
My S/O is currently working, she doesn’t pay any bills. I just want to use my income, we are saving her money.
P.S I can’t figure out if I get anything from the government so I’m only calculating with my income.

Becoming a credit specialist requires a blend of education, training, and practical experience. Credit specialists play a vital role in assessing and managing credit risk, helping businesses and individuals maintain healthy credit profiles and secure favorable financing terms. Here’s a comprehensive guide to credit specialist training, outlining the key steps and components involved in this career path.
Educational Requirements
1. Formal Education:

• Bachelor’s Degree: A degree in finance, accounting, economics, or a related field is typically required. These programs provide foundational knowledge in financial principles, economic theories, and business practices.
• Advanced Degrees (Optional): Some credit specialists pursue an MBA or other advanced degrees to deepen their expertise and enhance their career prospects.

Professional Credit Specialist Training and Certification
2. Certification Programs:

• Certified Credit Professional (CCP): Offered by organizations like the National Association of Credit Management (NACM), this certification covers credit risk assessment, financial analysis, and credit management.
• Certified Business Credit Specialist (CBCS): This certification focuses on business credit, including credit reporting, risk management, and strategies for improving business credit profiles.
• Certified Credit Executive (CCE): Also provided by NACM, this advanced certification is aimed at credit professionals seeking to demonstrate their expertise and leadership in the field.

3. Coursework and Skills Development:

• Credit Analysis: Learning to assess the creditworthiness of individuals and businesses through financial statements, credit reports, and other financial data.
• Risk Management: Understanding how to identify, measure, and mitigate credit risk.
• Credit Reporting: Familiarity with major credit bureaus, credit scoring models, and the impact of credit reports on lending decisions.
• Regulatory Compliance: Knowledge of laws and regulations affecting credit practices, such as the Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA).

Practical Experience
4. On-the-Job Training:

• Internships: Gaining hands-on experience through internships at financial institutions, credit bureaus, or credit management firms.
• Entry-Level Positions: Starting in roles such as credit analyst, loan officer, or collections specialist to build practical skills and industry knowledge.

Continuing Education
5. Professional Development:

• Workshops and Seminars: Attending industry conferences, workshops, and seminars to stay updated on the latest trends and developments in credit management.
• Online Courses: Enrolling in online courses offered by financial education platforms to continuously enhance skills and knowledge.

Key Competencies and Skills
6. Essential Skills:

• Analytical Abilities: Proficiency in analyzing financial data and credit reports to make informed decisions.
• Attention to Detail: Meticulousness in evaluating credit applications and identifying potential risks.
• Communication Skills: Effective communication with clients, lenders, and other stakeholders to explain credit decisions and offer guidance.
• Technological Proficiency: Familiarity with credit management software and financial analysis tools.

Career Advancement
7. Pathways to Advancement:

• Gaining Experience: Accumulating experience in various aspects of credit management to qualify for senior roles.
• Networking: Building professional networks through industry associations and professional groups.
• Advanced Certifications: Pursuing higher-level certifications and specializations to enhance credibility and career prospects.

The global flow cytometry market is projected to grow at a robust CAGR of 9% from 2021 to 2027, with a valuation of USD 6.26 billion in 2020. A key driver of this growth is the rising incidence of chronic disorders worldwide. Additionally, the increasing prevalence of targeted diseases and substantial investment in biotechnology research and development are expected to propel market expansion over the forecast period. Moreover, the growing awareness of the side effects associated with chemotherapy and radiation therapy in cancer treatment is anticipated to further boost market growth.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=3721
Market Trends:
Advancements in Technology: Continuous technological innovations are enhancing the capabilities of flow cytometry instruments. Improvements such as high-throughput screening, multi-parameter analysis, and automated systems are making flow cytometry more efficient and accurate, thus expanding its applications in research and clinical diagnostics.
Growing Application in Clinical Diagnostics: Flow cytometry is increasingly being used in clinical diagnostics for disease detection, monitoring, and treatment evaluation. Its application in diagnosing blood cancers, immunodeficiencies, and other conditions is driving demand, as it provides precise and rapid results crucial for patient management.
Expansion in Biotechnology and Pharmaceutical Industries: The biotechnology and pharmaceutical sectors are leveraging flow cytometry for drug development and research. Its ability to analyze large numbers of cells quickly and accurately makes it an invaluable tool for high-throughput screening, cell sorting, and biomarker discovery.
Increasing Use in Immunology and Infectious Disease Research: Flow cytometry plays a critical role in immunology and infectious disease research by enabling detailed analysis of immune cells and pathogens. The ongoing focus on understanding immune responses and developing vaccines and therapies for diseases such as HIV, COVID-19, and autoimmune disorders is boosting its use.
Rising Adoption in Personalized Medicine: The trend towards personalized medicine is driving the demand for flow cytometry. By allowing detailed cellular analysis, it helps in tailoring treatments based on individual patient profiles, particularly in cancer therapy where it is used to identify specific biomarkers and monitor treatment efficacy.
Market Opportunities:
The flow cytometry market offers substantial opportunities driven by advancements in technology and expanding applications in clinical diagnostics and research. The growing prevalence of chronic and infectious diseases, coupled with the rising demand for personalized medicine, underscores the need for precise and rapid diagnostic tools. Emerging markets in Asia-Pacific, Latin America, and the Middle East present significant growth prospects due to improving healthcare infrastructure and increased investment in medical research. Additionally, the integration of artificial intelligence and big data analytics with flow cytometry is poised to revolutionize data analysis, offering deeper insights and enhanced accuracy.
According to the recent report published by RC Market Analytics, the Global Flow Cytometry Market is expected to provide sustainable growth opportunities during the forecast period from 2024 to 2030. This latest industry research study analyzes the flow cytometry market by various product segments, applications, regions and countries while assessing regional performances of numerous leading market participants. The report offers a holistic view of the flow cytometry industry encompassing numerous stakeholders including raw material suppliers, providers, distributors, consumers and government agencies, among others. Furthermore, the report includes detailed quantitative and qualitative analysis of the global market considering market history, product development, regional dynamics, competitive landscape, and key success factors (KSFs) in the industry.
Browse the Full Report Discretion @ https://www.researchcorridor.com/flow-cytometry-market/
Geographically, the flow cytometry market report comprises dedicated sections centering on the regional market revenue and trends. The flow cytometry market has been segmented on the basis of geographic regions into North America, Europe, Asia Pacific, Latin America, and the Middle East & Africa. Flow cytometry market estimates have also been provided for the historical years 2020 to 2023 along with forecast for the period from 2024 - 2030.The report includes a deep-dive analysis of key countries including the U.S., Canada, the U.K., Germany, France, Italy, China, Japan, India, Australia, Mexico, Brazil and South Africa, among others. Thereby, the report identifies unique growth opportunities across the world based on trends occurring in various developed and developing economies.
The Flow Cytometry Market Segmentation:
By Product:

• Instruments
• Reagents & Consumables
• Software
• Accessories
• Services

By Technology:

• Cell-based
• Bead-based

By Application:

• Research
• Industrial
• Clinical

By End-Use:

• Commercial Organizations
• Hospitals
• Academic Institutes
• Clinical Testing Labs

By Region:

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Key players in the global flow cytometry market include Danaher Corporation, Becton, Dickinson and Company, Luminex Corporation, and Agilent Technologies, Inc. These companies are pursuing market expansion, new investments, innovative service offerings, and strategic collaborations. By expanding into new geographical regions and acquiring other businesses, they aim to gain a competitive edge and benefit from synergistic opportunities.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=3721
Key Questions Answered by Flow Cytometry Market Report:

• Product popularity and adoption based on various country-level dynamics
• Regional presence and product development for leading market participants
• Market forecasts and trend analysis based on ongoing investments and economic growth in key countries
• Competitive landscape based on revenue, product offerings, years of presence, number of employees and market concentration, among others
• Various industry models such as SWOT analysis, Pestle Analysis, Porter’s Five Force model, Value Chain Analysis pertaining to Flow Cytometry market
• Analysis of the key factors driving and restraining the growth of the global, regional and country-level markets from 2020-2030

About Us:RC Market Analytics is a global market research firm. Our insightful analysis is focused on developed and emerging markets. We identify trends and forecast markets with a view to aid businesses identify market opportunities to optimize strategies. Our expert’s team of analysts’ provides enterprises with strategic insights. RC Market Analytics works to help enterprises grow through strategic insights and actionable solutions. Feel free to contact us for any report customization at sales@researchcorridor.com.
Media Contact:
Company Name: RC Market Analytics Pvt. Ltd. Contact Person: Vijendra Singh Email: sales@researchcorridor.com Visit us: https://www.researchcorridor.com/

My mom passed away suddenly without a will .
My mother moved to Germany and started living with my sister . She recently passed away and left no will . She owned multiple properties and businesses.
I received class agreement draft . My sister proposed to pay me in cash for my shares of the properties without selling them , Give me share in the company and divide the rest of liquid cash.
She is going to give me based on the estimated values of the properties on the estate inventory.
Would it be better to just receive that cash or sell the properties on the market and divide that ?
Also how could I liquidate the shares of the company? I do not intend to own them . My sister is not willing to buy out the shares. The companies have huge values now but I’m sure she will bleed them out and my share will be worthless.
I also gifted my mom several expensive jewelries few months before she passed away , those are not mentioned on the estate inventory, what can I do about them ?
I am not on good terms with my sister, we have not spoken in a long time.
A probate proceeding has already started and my sister got me a lawyer to represent me there to process things online so it will be over quickly, since I’m in a different country.
The lawyer has not provided me a legal advice, he is acting only as a representative. I’m not able to travel there now due to visa restrictions.
TLDR: My mom passed away without a will, leaving properties and businesses. My sister offered cash for my share of the properties and a share in the company. Should I accept or sell the properties? How can I liquidate my company shares if my sister won't buy them? Also, jewelries i gifted my mom isn't listed in the estate inventory. I'm abroad, and a lawyer is representing me in probate, but not giving legal advice.

Osap converted a student grant I was given to a loan because failed to verify my incomce and my parent's income for a certain year within 12 months of the start of my study period.
For that year, I was a new comer to Canada and I didn't even have a SIN number for most of it, so I wasn't really sure what they were asking me or even how to verify it. My parents also had left Canada many years ago.
I learned that all I needed was to send them a signed paper confirming that but it was already too late. I later tried sending that to them but they never accepted it The amount is 6.7k$.
The latest communication from the ministry is as follows: "While the ministry acknowledges receipt of a letter of explanation and income verification documentation, the ministry identifies no grounds to process your documentation past the deadline. Please be advised, as you fail to submit acceptable documentation to verify income within the deadline, your 2018 - 19 OSG funding has been converted to a re-payable loan and added to your loan balance owing at the NSLSC For more information about possible review options or if you have questions regarding the grant conversion, please contact the financial aid office at your Ontario school."
Has this happened to anyone? What are my options really?

Hey everyone, this will be my first attempt at a serious post on this sub. I’m not exactly practiced in articulating my thoughts (I’m more of a fiction writer) so please bear bull with any mistakes and please correct me if I’m wrong. The last thing I want to do is spread misinformation, I’m not an expert (or a financial advisor) on any of this. I'm here to learn, not to teach.
This post will be the first in a series of me reading through the entire Diamond Handbook (2nd) and just commentating on points I find interesting or discussion worthy. I will be asking questions as well as giving my own personal thoughts based on my understanding of the events that have transpired. I became an ape right after the sneeze, and followed a lot of the discussions back then, but have been zen for a while so I haven't fully kept up with a lot of the new developments.
I haven't actually sat down and read DD in a long time, so I decided to give myself a refresher and actually look at the Diamond Handbook (2nd) for the first time. I had read a lot of these posts as they had come out, so I had never felt the need to look at the full PDF before. For the apes that haven’t read it either, I recommend giving it a read. You can find the full DD library in the pinned post of this sub, and the Diamond Handbook is the first one there.
As I have been reading it, I’ve quickly realized that some of the stuff is a little outdated. That can’t really be helped since so much DD has been done between then and now, but this brings me to the two reasons for this post. The Diamond Handbook is likely the first piece of DD a new ape will be recommended; I want to spark discussion to clear up some things that are misguided or outdated in this handbook. The second reason is more of a personal challenge. Whenever someone denies the legitimacy of the DD, an ape usually responds by saying something like “Well, read the DD and prove it wrong”. The average MOASS denier won’t do this though, in my experience they just think it’s ridiculous on a conceptual level, and won’t take the time to actually look through all the DD available and construct a proper debate. I can’t really blame them for this though, spending so much time on something you have no interest in doesn’t sound like a fun time.
But I have a lot of interest in this, and I am an aspiring author who writes 400K word fanfictions for fun. I’ve got the time and the writing willpower. I am very big into trying to understand how a reader will interpret a piece of my writing, so I’ll be looking through that lens and will be writing this with the assumption that you have already read the Diamond Handbook (2nd). Please take the time to respond/correct what I say here, I want to learn.
With all that out of the way, let’s get started.
​
The Mother of All Short Squeezes (MOASS) Thesis, Published on May 26, 2021, by u(slash)HCMF_MACEFACE
Before we even get into the meat of this section I already see a bit of an issue. A lot of the language implies that MOASS is imminent, take this section for example:

*“If you don't believe me, just look at the chart of GME which our DD (Due Diligence/research/analysis) has been forecasting for a while now. The below pattern has only preceded massive spikes in price, but this time, those on the other side of the trade are going to have a much harder time suppressing the price like they did in January and March. Thanks to the activity on 5/25, we have entered the end-game. The MOASS is beginning.”* 

I think most new apes will look at this, then look at the date of posting (three years ago), and think this is delusional thinking. They will say that MOASS did not ‘begin’ because it hasn’t happened yet. This would be pretty short sighted though, GME has always been a Deep Value investment, long positions are called long for a reason. ‘Buy and HODL’ is such a repeated mantra because that is the investment strategy most apes employ. Like most investments, it takes a long time to realize gains. Your retirement account will be growing for 40+ years before you cash that thing out, GME is my retirement plan so I don’t expect it to be much different.
Just because the sneeze happened in a week doesn’t mean MOASS will, in theory it should be a very long event as both the shorts and longs have a test of wills to see who caves first. However, the sneeze was the ‘beginning’ because it was exposed a lot of the fuckery that is going on in the market right now, I think that is the message that should be taken from this section.

*“These terms are key to understanding the theory and speculated value of a GME investment. Hyperlinks to Investopedia, "the world's leading source of financial content on the web", have been included for most market terms and concepts and it is recommended to check them out if they are not clear. We will be breaking down some of the more complex terms and concepts within the post and framing them within the context of GME.”* 

After the introduction, this post does a great job of explaining all the concepts of the stock market that are relevant to the MOASS thesis. However, I do wish it mentioned some other stock terms for the sake of new investors. Since none of the DD is supposed to be financial advice, I can’t really blame them for these omissions, but at the beginning the OP does say they wanted the post to be good for newer investors, so I think some more pointing in the right direction should’ve been provided. I do appreciate the link to Investopedia, but this DD is already a novel, and the average reader might forget about that link by the time they finish it. So an additional link should’ve been provided at the end.
The two big concepts I see missing are Options and Wash Sales/Stop-Losses.
Options are interesting because they create a different type of buying/selling pressure compared to just buying/selling stocks regularly. There are concepts like gamma ramps and stuff that can be relevant when discussing catalysts for price movement. However, options are pretty scary for most investors, I’ve only ever bought one, and forgot about it so it auto-exercised for me (lol), so it’s not a concept I would call essential. I just think it’s better to be educated than not.
The much more egregious omission is that of Wash Sales and Stop-Losses. Wash Sales are extremely dangerous to new investors who still make decisions based on emotions and are not used to the volatility that comes with GME.
If you are unfamiliar, a Wash Sale is when a person sells a stock at a loss, then buys the stock again within a short period of time. As an example, let’s say you bought a stock at $50, then the stock goes down to $40.00 and you no longer feel comfortable with your investment. You sell the stock at a loss. You lost $10.00 on this transaction, but it’s not all bad. When you go to do your taxes, you can report this $10.00 loss to the IRS. This is good because if you make a $10.00 profit off another trade, you now don’t have to take taxes out of that profit, since the IRS will see this as you breaking even in the grand scheme of your portfolio. You didn’t actually make any money, so they aren’t going to tax you for it.
A Wash Sale is triggered when you buy back the stock you sold in a short period of time, this can even apply if you buy a stock in the same sector. So if you buy a stock at $50.00, sell it at $40.00 then buy it again. That $10.00 loss you took can no longer be reported to the IRS as an actual loss. So when you make $10.00 on some other trade, the IRS won’t see you as breaking even, they will tax you on that $10.00.
For a stock as volatile as GME this can be very dangerous, I know people who brought in the peak, then as the price went back down they triggered a Stop-Loss (auto-sale you can program to trigger when a price falls), only to then buy back in when the stock dropped even lower, creating a wash sale that fucked their taxes.
We say “Buy and HODL” a lot, but I think the ‘why’ of it has been lost in the meme. I personally buy and HODL because averaging down is a lot better for me than accidently triggering a Wash Sale. I fucking hate the IRS and don’t want any of that smoke.

*“SPOILER: GME and \[Popcorn\] have tons of FTDs reported.”* 

I just kinda don’t like the mention of the Popcorn stock here, it has never been a deep value investment. If you are unfamiliar with the Deep Value investment strategy, please take a look at the old Roaring Kitty livestreams. In summary, Deep Value investing is defined by looking for stocks that are extremely undervalued and unpopular due to no fault of the company. These external factors that are making the stock undervalued can be anything, shorting, COVID, stuff like that. But what makes it a Deep Value investment is always strong management within the company. If the company is not mismanaged in any way, then it is very unlikely to go bankrupt, and will have opportunities to make a comeback. GME has Ryan Cohen leading, a proven successful businessman that has already taken precautions to ensure GameStop never goes bankrupt. Popcorn just doesn’t have that. It is very short-squeezable, but it’s not deep fucking value.

*“Short sellers must eventually close, or cover, their short position.”* 

Ok, but why ‘must’ they? This is another point I think has been lost in the memes. There are two problems with just saying ‘shorts must close’ without providing context. The first is the simple fact that there isn’t a due date. Unlike a common car loan or mortgage, a short position doesn’t operate on a time table. They can wait forever to close, unless they get margin called.
This next part I’m a little shaky on, I’m probably getting some things wrong here:
Ok, well how are they going to get margin called? The problem I see is that these Short Hedge Funds (SHF) are making a lot of money by selling naked shorts. It’s really hard to get margin called when they are literally printing money, and since they don’t have to report these their books just look to be filled with an infinite amount of cash.
So, there are a couple solutions to this:
1, Government regulation. If the SEC puts a stop to naked shorting, these SHF can’t print money anymore. Eventually the interest from their positions will eat them alive, and they will get margin called. Unfortunately, MOASS has the potential to destroy the economy like in 2008, so they probably aren’t too keen on just doing this without creating some kind of safety net. So I can’t really count on them to help, because the government has a vested interest in keeping MOASS from happening. It’s just not something I believe will be the catalyst. Although they might just do it on purpose given the right reason, like pinning the economic collapse on a scapegoat, or by GameStop forcing their hand by exposing the fraud somehow. I’ve seen a lot of apes hoping for one of these reasons to come to pass, but for me, I don’t see enough motivation from the participating parties.
2, A price run-up. If the price of the stock can unbalance the books of the SHF enough then they could also get margin called. I’m not counting on this either, since the price is manipulated by the process of naked shorting. Sure, they are digging a bigger grave when they suppress the price like this, but it can also help smaller SHFs with exiting their positions with OTC stuff. Over-The-Counter trades are trades made off the lit exchanges, historically it was intended to kind of simulate a transaction between two individuals, like buying a video game from a buddy off the books, no taxes, no regulation. Unfortunately, this is abused by institutions and can’t even be used by individuals, making dark pools of trades full of fraud and undermines the free market. Smaller SHFs that are more at risk of getting Margin Called due to their lack of collateral, can make OTC trades with the big naked-shorting market makers to ‘close’ their positions using fake shares. Of course, this only passes the buck so to speak, but it’s a viable strategy for them since the big SHFs that take on these ‘bucks’ are less likely to get margin called. A lot of historic short squeezes happen because a small SHF gets margin called, then drives the price up and causes a bigger SHF to get called, and so on until they’re all in the grave. This is why I don’t really give a shit if the price goes up to $80 in a week, it’s not enough, the buck has been passed. (To be clear, I don’t have proof that this is the reason for the uptick in OTC transactions, it’s just a theory. If a smarter ape than I can get on this that would be great.) But, even if a price run-up itself doesn’t cause MOASS, it may give motivation for the true trigger:
3, Interest Rates. Here is the big one that I look at, that I believe will be the true cause of MOASS. Now please, correct me if I’m wrong again, I am just an ape who dropped out of college. So, from what I understand a Short institution has to pay a certain amount of interest to the people they borrow the stocks from. This is the cost of borrowing and is how these Lenders make money. For a long time, the interest rate was at like 1%, this means that selling one naked short could cover the cost of the interest 100 times over. However, let’s say that the interest rate becomes 110%, sounds crazy, but this would mean that borrowing the share would cost more than the share. This would destroy the balances of the SHFs and ensure they get margin called. Why would this ever happen though? Because these lenders want to make money. These lenders are the real winners of MOASS, and they aren’t talked about enough in my opinion. Lenders can’t sell the shares they’ve lent out, their income is in the interest rates, there has to be a balance here between it being more profitable to lend the shares or to sell them. If Lenders start to think that lending their shares aren’t making them more money than the alternative, they will raise interest rates to make these profits until SHFs can’t pay them, then the SHFs have to return the shares, causing MOASS with the massive buyback, then lenders can just sell the shares on the way down. Lenders have a monetary business interest in causing MOASS, so they are the most likely cause of it in my opinion.

*“This is the GME MOASS thesis. GME is a stock that stands to hit an unprecedented price point due to the fact that manipulators of the market have failed to bankrupt GameStop thanks in huge part to the Legendary Keith Gill AKA* u(slash)DeepFuckingValue*, Ryan Cohen, and all of the GME investors who took part in this saga. It may not be today, this week, or even this month, but one day soon, these toxic participants have no choice but to buy the stock to close out their short positions.”* 

I don’t think this is necessarily inaccurate, but I think it’s misguided, and the language here is a bit to emotive for my taste. I think the reason the company didn’t go bankrupt is because of the strategic share offering made by Ryan Cohen to build up more cash than the company’s valuation (at the time). All the other stuff was just dressing, DFV and retail did not make RC do this, this move by RC is what ensured the company literally can’t go bankrupt, until then (and at the time this was posted) it was still a risk in my opinion. So this huge thanks feels kinda like a pre-cum celebration, and I've never really liked putting Keith on a pedestal, he's just an individual investor, just like the rest of us.
​
FAQ, Published April 12, 2021, by u(slash)BYE_TRIANGLE

*“Why does Holding do anything?”* *“They need your shares to cover their short positions! They got greedy. Thinking GameStop would fail, the short sellers started Naked Shorting the stock. Long story short they created synthetic stocks with their special privileges as Market Makers. But they can’t cover a short with a synthetic share. So because of the Naked Shorting, the Short Sellers, multiple large greedy money managers, and Hedge Funds need a total number of shares greater than the number available to purchase. THEY NEED EVERY SHARE, EVEN YOURS CONAN!”* *“aRe YoU GuYs MaNipuLatIng THe MaRKeT?!”* 

Holding does something else that I think is really important. It proves that retail is not responsible for the manipulation of the price. You see it in the mainstream media every time the price fluctuates, they say that retail and Roaring Kitty is driving the price up for the memes, and that the ‘meme stock craze is dead’ whenever the price falls, claiming that retail is selling. However, it quickly becomes clear to anyone with the willingness to research that retail holds. Holding doesn’t move the price at all, so they literally can’t blame this sub for the fuckery that happens.
Now, on the flip side, I know people on the old sub to buy and sell with these fluctuations, they did it during the sneeze and I’ve seen comments claiming to do it last week. I think this is why Roaring Kitty really had to speak to congress about this, because a legitimate-seeming argument could be made that retail was buying and selling at high volumes. The loss and gain porn on the old sub could be presented as evidence. Here though, apes hold, we glaze purple doughnuts.
So when MOASS does happen, the massive price increase will be only due to buying pressure from SHFs, so they are the only ones that can take the blame for what happens next.

*“No one knows how high the squeeze could take the stock price. The best rational reasoning says that these numbers \[500k per share\] are possible through the laws of supply and demand. Furthermore, it is likely that the Short Percentage is a lot higher than reported, with many suggesting that the short-sellers, cumulatively, need more than 100% of the float to cover.”* 

A lot of naysayers will claim people are insane for thinking that phone number prices are possible. They will cite that it would make the company’s valuation higher than the amount of money in the world, which is true. However, with the nature of fraudulent naked shorts being fake, the price is fake too, and the valuation of the company doesn’t necessarily mean that the whole float will be sold at those prices. Yes, it shouldn’t be possible, by all accounts it wouldn’t make sense, but it is possible due to the naked shorting. Also, institutions that own shares likely won’t HODL out for the phone number prices, they will sell when they think it’s safe, and when they won’t get in trouble with the SEC for destroying the economy. The infinity pool (the shares that will be sold at these prices) will be a small fraction of the total amount even among retail investors. So the argument that I see against the possibility of this doesn’t hold a lot of weight.
Keep in mind that even though ‘buying pressure’ moves the price up, someone has to be willing to sell in order for someone to buy. So as the price creeps up from $100 to $1000 to $100000 to $8675309 someone will be selling on the way up to get there.

*“Synthetic long positions could be used to disguise their short positions as well, the mechanisms behind this practice utilize the options markets and could explain some of the crazy options activity that we have seen in GameStop the last few months.”* 

So uhm… I don’t understand ‘Synthetic Longs’ at all. Could an ape with more wrinkles elaborate on this? From what I can extrapolate, this may refer to an institution purchasing a naked shorted share from someone else?

*“While at the same time they employed the use of social engineering to slowly depress the positive sentiment for the stock on Reddit and elsewhere.”* *“You may have been called a Shill for one of a number of reasons. This community is very inclusive and open to everyone, but because of the blatant attacks this forum has suffered a lot of people are understandably paranoid. (Myself included). Please, unless you really are a shill, don’t take it personally.”* 

I want to address this, because there is a lot of misconception about SuperStonk. A lot of people will claim that this sub is just an echo chamber cult that can’t handle anyone questioning the narrative. This may seem true on the surface, but I think the reality is just that we’ve become hyper sensitive to the social engineering the old sub fell victim to, and I remember this sub being attacked with that as well. So whenever we see a post that has extremely emotive language, we become skeptical and down vote it. Emotions have no place in investing, that is a common rule touted in even the oldest investing books, so posts that try to incite an emotional response are shot down. Apes aren’t about to be manipulated again. That being said there are emotive posts that still get upvoted, ones with positive hype-filled narratives. Since these get upvoted and the negative ones don’t that sometimes gives the impression of an echo chamber. This is because the facts do support the MOASS thesis, so a hype title and opening paragraph is just more agreeable with the facts-based narrative. Some people are just scrolling on their phone and don’t have time to read the whole post.
However, if you go into the comments of these posts, there are apes investigating the profile history to determine if posters are bots, regardless of the pushed narrative. If you look past the upvote counter, apes are very skeptical of any post that isn’t based in fact or harmless memes. The comments rule the post, and I have to say I’ve very proud of this sub for staying vigilant in the wake of Reddit restricting moderation tools.

*“Ryan Cohen clearly believes in Gamestop, to the point of announcing that he will be taking equity as compensation. In fact, as of writing this all of the new Gamestop board members are going to be taking equity as compensation. This is seen as an incredibly bullish sign of the company's future success.”* 

This is one of the principles of Deep Value investing, I wish this was elaborated on more of why this is bullish. This means that the board, and more importantly Ryan Cohen, is tying their individual self-worth to the company. Due to this tie, they will essentially ‘go down with the ship’ if the company goes down. This means that the board and Ryan actually have an interest in the company doing well, instead of having an interest in making money off the company. You may think this sounds like the same thing, but it’s not. If RC cared more about money than the company, then he could destroy the company to make money (this is what’s happening to popcorn), but by tying his worth to the shares, the only way for him to become richer is for the company to flourish.
I don’t really like the language being used here, stuff like ‘clearly believes’ ‘seen as incredibly bullish’ are all pretty emotive and doesn’t actually explain why these are positive growth signs for the company, they are just saying it is ‘bullish’, the average new investor isn’t even going to know what that really means. Even though GME is extremely manipulated, causing Technical Analysis to become increasingly difficult to depend on, the investment is still rooted in fundamentals of deep value.

*“Below is a shortlist of some of the potential catalysts people are speculating about:* 

-A Stock Split, or some similar move from Gamestop that recalls shares
-Gamma Squeeze
-Gamestop’s Q1 Earnings Call
-Some speculate Gary Gensler (Newly appointed head of the SEC), may make some move that sets things in motion
-DTCC rule changes taking effect
-Appointment of a new CEO”
Yeah… this feels bad man. I’ve talked about this already, but we can rapid fire down this list.
The stock split didn’t work out, since those in charge of distributing the splits did it fraudulently. Gamma Squeeze is the kind of thing that could trigger a smaller hedge fund to get margin called and cause a domino effect, but I’ve shared my theory of the OTC action. Earnings are nice, but public sentiment has always been more tied to the media manipulation than actual facts. Fucking Gary.
On the subject of bringing in new talent, I do feel like a big move will happen soon. We’ve already seen a lot of job offerings from the Corporate side of GameStop so this could be the next phase of the plan. I really think that RC has spent these last few years taking precautions to make sure the company can’t go bankrupt, the last thing he wants is to turn out like Toys-R-Us. A lot of downsizing happened, so now he can start thinking about upsizing again.
I’m not necessarily saying that these things can’t trigger the squeeze, but I am saying that depending on something to start it is just inviting disappointment. I think the ‘no dates’ rule has been sorely forgotten lately with all the hype and speculation around Roaring Kitty’s tweets and stuff. I am a zen ape, it happens when it happens.

*“First of all, it is incredibly important to note your potential biases when determining if someone is just a shill trying to spread FUD. Not all FUD is invalid, someone may bring up a solid point against an otherwise great DD, and that could scare you. Remember that just because you do not like what someone is saying, doesn’t make it invalid. It is important users here work with constructive criticism to refine their theories.”* 

Damn, wasn’t I just talking about this? This critique isn’t going to just be wagging fingers, this is really good stuff that still applies today, and from what I’ve seen apes are doing a great job of distinguishing between FUD and legitimate criticism. I also want to take a second to thank the mod team, especially after their tools were restricted, they’ve been a great help.

*“…but since then retail investors have been buying on every single dip in the price… That's more than two whole months of buying-the-dip. Now, I will not speculate on numbers here, if you want to know more you will have to read the DDs on that.”* 

This is pretty outdated now. Apes have been buying for three years now, and with the advent of Direct Registering we have a much better idea of how much apes hold. I can say with confidence now that retail owns a floats worth of shares. Since there is so much naked shorting, a lot of institutions probably own their own floats too.
I glaze those purple doughnuts, yum.
​
Citadel Has No Clothes, Published March 14, 2021, by u(slash)ATOBITT
Ohhhh, this one is special to me, I read it when it first came out, first time I was there on release night. Let’s see how it hodls up.

*“TL;DR - Citadel Securities has been fined 58 times for violating FINRA, REGSHO & SEC regulations. Several instances are documented as 'willful' naked shorting. In Dec 2020 they reported an increase in their short position of 127.57% YOY, and I'm calling bullsh\*t on their shenanigans.”* 

58 times. I don’t actually know how much that number has gone up, but I’m sure it has. I am reminded of an old saying, that if the punishment for a crime is a fine, then it only a crime for the poor. The crime being done to GME is class warfare, it’s nothing less.

*“$295,347,948,000 of that is split into options (calls & puts), while $78,979,887,238 (20.52%) is allocated to actual, physical, shares (or so they say). The rest is convertible debt securities.”* 

This is why I’m skeptical that it’s even possible for Citadel to get margin called by a normal price run-up. Let’s do some math here. GME’s float is at 232 million-ish shares, let’s say they shorted 300% of that, just to be conservative (lmao), so that’s 696 million. To take what the first post said, Margins don’t get called unless an entities’ collateral becomes less than 80% of what they’ve borrowed. If they use their entire $384,926,232,238 portfolio as collateral, then GME would have to soar to a price of… divide by 4, multiply by 5… $691.32 per share. That may sound relatively reasonable, but I don’t think a normal catalyst would be enough for that. I really think interest rates are the key, think about it, if they have to pay like 30% interest on all of those shares, their portfolio will be reduced by that much (kinda) and we can find a much more reasonable midpoint. Now brace yourselves, I’m about to spend an unreasonable amount of effort on something that is probably wrong because I don’t know shit about fuck about margins or getting called (I have a cash account and I lack rizz).
In order to calculate that we gotta do one of those double equation variable bullshit things we all hated in school, I forgot what they were called but I remember how to do them.
So, we have a few variables:
C = Citadel’s Portfolio = $384,926,232,238
S = Shorted Shares = 696,000,000
I = Intrest = 0.30
X = Price Per Share
Y = Citadel’s new portfolio amount after paying interest
So, X and Y are undetermined, but we have two equations to work with
C – I(X*S) = Y
This one calculates how much money is going to be in citadels new portfolio after paying interest, we calculate the interest by multiplying the cost per share, by the amount of shorted shares, and multiplying that by the interest rate, then subtracting it from their total portfolio.
Y * 1.25 = X * S
This one calculates the total amount those shorted shares have to be in order for Citadel to get margin called, by multiplying their new portfolio by 5/4 and calculating the total cost of the shares.
X * S has a direct value; we can plug the left side of the second equation into the first to get
C – I(Y*1.25) = Y
Now we just gotta isolate Y on one side of the equation.
C = Y + 0.3(Y*1.25)
C = 1.3Y * 0.375
C= 0.4875Y
C * 0.4875 = Y
Y = $187,651,538,216.03
Now we gotta find X, we can just plug in the other stuff.
(Y* 1.25)/ 696,000,000 = X
X = $337.02 per share for shitadel to get margin called on 30% interest.
Holy shit, now that’s what I call reasonable. See how much interest can completely fuck a portfolio? They lost almost half of their portfolio value to a 30% interest to this. This is why the whole market will bleed red on the run up to MOASS, they will have to sell half of their portfolio just to pay the interest.
Citadel is probably not a good example of this, since they print the naked shorts themselves... so they would be paying interest to... themselves... when they borrow them? Citadel is so fucked up, I don't have enough wrinkles for this.
But hey, I think the concept of what I said is fine. High interest rates can reduce collateral and cause margin calls. Hey, just out of curiosity, how much is the borrowing interest rate looking now?
16.5%
SHF are fucked.
​
Anyway, I’m writing this on a Wordpad document so I’m not sure if I’ve come up on the character limit, but I think I’m getting close so I’ll end this part here. Please let me know what I’ve got wrong or any insights you want to share, I’ll be sure to talk about any interesting comments when I do a part 2!
TLDR: I am reviewing the Diamond Handbook (2nd) and seeing what has changed in the three years since it’s been compiled. I have a bias in thinking that high borrowing interest rates are what will cause MOASS, and that is shown here. This is not meant to be an impartial analysis, just my thoughts. Not financial advice.

Osap converted a student grant I was given to a loan because I failed to verify my incomce and my parent's income for a certain year within 12 months of the start of my study period.
For that year, I was a new comer to Canada and I didn't even have a SIN number for most of it, so I wasn't really sure what they were asking me or even how to verify it. My parents also had left Canada many years ago.
I learned that all I needed was to send them a signed paper confirming that but it was already too late. I later tried sending that to them but they never accepted it. The amount is 6.7k$.
The latest communication from the ministry is as follows: "While the ministry acknowledges receipt of a letter of explanation and income verification documentation, the ministry identifies no grounds to process your documentation past the deadline. Please be advised, as you fail to submit acceptable documentation to verify income within the deadline, your 2018 - 19 OSG funding has been converted to a re-payable loan and added to your loan balance owing at the NSLSC. For more information about possible review options or if you have questions regarding the grant conversion, please contact the financial aid office at your Ontario school."
Has this happened to anyone? What are my options really?

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[REQ] ($700) (#Hayward, CA, USA) (repay $350 on 05/10 and $450 on 5/31, $800 total) (VENMO)

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I'm not feeling well so I'm needing a hotel room for a few nights to rest up as well as some food to last me the rest of the month. I receive disability every month - will verify in private and am working on getting my business up and running with some potential investors.

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[REQ] $4000 [Hayward, CA USA) (Venmo or PayPal) Repay $5000 ($1000 each month) May 29, Jun 29, July 29, Aug 29, Sept 29

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There is a possibility of repaying the full amount sooner. I am needing help with paying a deposit and first month's rent. I have located a sublet for a month, possibly two, and I really need this for health reasons and to help get myself permanently housed if the other tenants would like me as their roommate. I know I'll have more energy and better health for my business which is slowly taking off. I have stable income from the VA which is what I'm basing the repayment plan on, but I also have some potential clients and an interested business partner. I feel I am too drained to do anything for the clients right now. Decent results equal faster ROI for everyone, that is why I state repayment might be sooner. I just need more than 2-3 hours of sleep and the ability to cook meals that are within my dietary restrictions. I also need to be out of an environment that is consistently making me sick and unable to do much of anything.

Hello fellow candlemakers!
I have a witchy-themed business. It started with candles during Covid and branched out to be so much more because I'm a serial crafter. 😂
I'm doing fine online (Etsy) and *great* in person at local markets.
I'm ready to start looking into selling wholesale and at local retail shops. A few local business have approached me (salons, balounges, coffee shops) and I'm just not sure where to start in terms of marketing/pitch materials mostly. The candles I sell are in 11oz jars, 6 or 7 different scents.
For local retail: My brain has so many ideas. - Do I try to have a meeting in person and bring one of each candle? - Do I make tea lights or maybe wax melts of each scent and gift just one candle so they can see the finished product? - Should I send a brochure (I'm a graphic designer, so no problem there) like a mini catalogue? Or just send a PDF? I think there's a benefit to physical materials over digital.
For wholesale: I was just approved at Faire, but haven't set anything up yet. - Do people typical want to receive samples of the scents before a purchase? - Do people typically send any extra marketing materials/display materials along with their items?
Lots of ideas to mull on, and I'd love to hear about your experiences, advice, or recommendations.
Thanks friends!

IKAILANGAN KO NG MEANINGFUL ADVICES NYO. Di ko akalain na nasa silent quitting era ako Since 2022. Nagsimula lahat ng ito noong lumipat kami dito sa place ng Partner ko. Ngayon 2024 na, and I actually had plans of leaving pero hanggang ngayon di ko nagagawa dahil sa anak na maiiwan ko. Di ko syabpwedeng isama kase walang mag aalaga sa knaya kapag nagsimula akong mag work sa corporate. Ayoko din naman syang ipaalaga sa iba. Gusto ko nang i end itong 5 years na relationship na ito dahil sa madaming bagay. 1. Di ko na sya makausap ng matino - Kapag nasa difficult conversation kami wala kaming nagiging resolution. Puro argue na lang at kung suswertehim may bangayan na. - May oras din na ididissmiss na lang yung convo kapag talaga walang nanalo or parang malabo na maresolve 2. May mga nagaganap na pag iignore/invalidated ng feelings - 10 years ang gap namin. May mga bagay na di talaga magkakaroon ng sense sa isa't isa. that's one reason na naiinvalidate yung feelinga ng bawat isa 3. Walang cooperation sa responsibilities - Ang gusto ko kase sa isang household ay magtutulungan sa chores at may mga tasks na dapat di na sinasabi na gawin ng bawat isa For example: Kapag nakakita ka nang kalat ng mga bata sa floor, dapat pinupulot mo na hinfi yung aantayin mo pa yung asawa mo pulutin pa yon -Pauulit ulit na lang na sinasabi yung task mo. Jusko 5 years na kayong magkasama kailangan paulit ulit na lang ba magbilin ng gagawin mo - wlang teamwork sa gawaing bahay. Porket sya may work at ako wala dapat ako na lang lahat sa gawaing bahay tsaka sa pag aalaga sa bata 4. May sumabatan ng nangyari about sa contribution - For example: Yun na nga na ako tong walang "ginagawa" (nagmamanage po ako ng store, livestreamer din po ako, naglilinis ng bahay, nag aalaga ng baby), dapat di na sya masyadong nag aalaga ng bata. Dapat after work na lang nya, dapat nagrerest na sya at kumpleto ang tulog nya for 8 hours. buti pa daw ako kumpleto tulog ko kase pag shift pa daw nya nag titimpla pa sya ng gatas ng anak nya within the shift 5. Naiistress nanako magmanage ng finances namin - Lagi na lang ako namomoblema sa finances. Hindi naman kulang sahod nya. Sobra sobra pa sana pero kase ang nangyayari is imbis na di na kami nagkukulang dahil may sati sari store business kami. Ang nangyayari is nagiging liability pa yung store kase umuutang pa sya doon na lagi kong sinasabi na wag kase mababawasan yung puhunan ng store. May time pa na andami nyang inutang sa store dahil may pa event sa bahay ng parents nya.

1. He is not keeping his words.
2. For example yung number 5 yung about sa store. Pinagusapan namin na hindi kami kukuha ng kahit ano sa store para doon sa party na yun. Nag agree sya pero nung araw na yun, pero nung araw na nung handaan andami nyang inutang. Naiyak talaga ako kase tagal bago namin naibawi yun. Yung sanang pera na dapat sa pangkain namin at para sa bills napunta lang sa store na dapat lumalago at extra source of income. Naging liability pa.
3. Any small thing or big thing na pinaguusapan namin na umaayon sya pero di nya ginagawa or di nya tinutupad. Nakakapagod umasa at mag expect.
   
4. Noong start ng pagtira namin sa bahay noon ng parents nya. Nakakatrauma talaga.
   
5. We have a different way of raising a kid and a home. Alam ko naman na expert yung parents nya na sa pag aalaga ng bata. Mahalaga ang experiences.BUT may mga ginagawa sila na hindi naman advisable ng pedia. Like yung pagpapainom ng water below 6 months old. Kahit na sabihin kong wag, ay bih ididisregard nila tas papainumin nila para daw di madehydrate yung bata. gagawin nila yun lalo na pag di ako nakatingin. Another one, is yung pag umiiyak yung annak ko sa gabi or even sa araw, pag di ko agad napatahan within 2 mins. aagawin nila. AAGAWIN AH. AAGAWIN. Ganun sya up until kaya ko na talaga sya patahanin around nung 1 year old na sya. Meron pa, tinuturuan ko kase yung anak ko na mag Baby Led Weaning ever since 6 months old na sya. Grabe yung mga negative remarks ng magulang nya about sa ginagawa ko. Kesyo sayang yung pagkain or di dapat nilalato yung food or baka mabilaukan si baby. Eventually nung nalay off si partner sa work natigil sya kase nga sayang daw yung pagkain dapat di daw ganun. Hanggang ngayon di ko na try mag BLW kase nahirapan na ako. Galing nya kumain noon .Ngayon hanggang sa ngayon sinusubuan pa din. Another one is yung kapag may venture kaming gagawin for example nagbebenta kase kami ng isang supplement na talagang nakakagamot ng mga sakit. Alam nyo ba na ang negative nila saamin andami nilang sinasabi na negative. Dinodown na nila kami eh nagsisimula palang kami. Kahit anong new venture/ palno na shineshare namin sa kanila, may masasabi silang di maganda. Close minded kumbaga.
   

SHET GANITO YUNG FAMILY NG PAPAKASALAN KO?

1. May mga bagay na di ko mapatawad sa parter ko
2. Una na sa lahat yung mga moments na dinisregars nya yung mga pakiramdam ko during may postpartum days. Sabi ko na nakakaranas ako ng depression, di sya naniniwala. Baka hysteria lang daw due to articles or videos I am seeing. Meron pa yung ayaw nya akong nagpapapanood ng mga bagay about sa mental health ta may tendency daw ako mag self diagnose. Like hello, masama ba na meron akong self awareness at gusto ko pagabralan bakit ganito ako or yung relationship namin? Eh la nga kaming pera pang counseling eh kase daming binabayaran.
3. Meron talaga yung isang moment na gusto ko nang umuwi sa amin dahil mabebenta yung bahay namin. Gusto ko pag nabenta yun eh makukuha ko yung share kondin kase tumira ako. Alam ko na kapag nag reside na ako sa place ng partner ko at ibinalik ko na yung susi ng bahay na yun, mwawalan na ako ng tsansa na habilin yung mga kapatid ko na ibigay yung pamana ng tatay ko sakin (NANGYARI NGA PO LAHAT YUN DI KO NAKUHA YUNG MANA KO). Sama ng loob ko ah. May timea na pag naalala ko yun. Masakit. Di ako kinampihan ng asawa ko. Pero naisip ko din , ito yung better plan ni Lord. Yaan ko na yung pera.
4. Yung sinibukan nya na pinabasa ng partner ko sa parents nya yung sensitive letter na naglalaman ng hinanakit ko sa parents nya at nararamdaman ko. Di nila binasa pero may idea na yung parents nya. Ayaw nila basahin pero galit na sila. Shet trauma is real. Doon ako nagwonder na sino tong lalaking jinowa kom (DI PA KAMI KASAL)
   
5. WALA NA AKONG BALAK MAGKA ANAK SA KANYA AT MAGPAKASAL SA KANYA Di ko alam kung may pagmamahal pa aba ako para sa taong to pero dahil sa mga experiences na ito, ayoko na magpakasal. Ayoko matali sa isang tao na di naman nakikiniv saakin, yung tipong tatawagin ko sya ng maraming beses mula sa pagseselpon o panonood bago ako mapansin, yung tipong di na sya ligtas na pagsabihan ng nararamdaman ko. Katulad na lang nung isang araw, grabe ang hirap ko pa sabihin yung honest feelings ko about sa ginawa nyang pagsusungit at pagrereklamo sa di ko pag prioritize sa dishes pero di nmaan nya naisip na naglinis naman ako at needed ko lang magpahinga kase sakit talaga ng ulo kom KUNG TALAGANG ANG SAKIT SA PANINGIN NG MGA HUGASINBAKIT HINDI NYA HUGASAN BAKIT AANTAYIN NYA PA NA AKO ANG MAGHUGAS??!!! Di ko alam kung papakasalan ko pa ba sya kung alam ko na ganun ang pamilya nya na hindi supportive at di rumerespeto sa pananaw ng ibang tao Di ko alam kung papakasalan ko pa ba sya kung alam kong di naman nya tinutupad yung mga simasabi nya. Di ko alam kung papakasalan ko pa ba sya ngayon ngayong nalaman ko na reklamador sya sa madaming bagay
   

NOW, ALAM KO NA MAY FLAWS DIN AKO. DI KO SINASABING WALA. MY MGA NAKAKAGAGONG MGA UGALI AKO. DI LANG PURO SYA TO HA. GUSTO MO NG LISTAHAN OH ETO :

1. Masyado akong clingy. Madalas di ako nagiging sensitive sa space ng asawa ko. Alam nyo ba na kahit nagwowork yan madalas gahambalain ko pa yan. For example, tutok na sya sa work nya at sinasabi naman nya sakin na madali maputol focus nya kapag nagagambala sya pero eto ako kausap ng kausap sa kanya or may papaabot ako or may bigla akong isasaksak sa extension cord, or kapag di pa tulog si bata at gusto nya pumunta sa tatay nya hahayaan ko sya imbis na pigilan ko sya na makakapagwala ng focus nya. magagalit sya syempre masisira na mood nya. Eh ako tong si dragona, kapag nagalit na sya or masusungitan ako lalo na pag sensitive ang mood ko, sasama loob ko. Mag aaway kami most of the time. Ako naman nag umpisa.
   
2. ON MY SENSITIVE AT LOW DAYS, MASUNGIT AKO AND I TEND TO RAISE MY VOICE OR MAGDABOG KAPAG DI AKO NAPAPAKINGGAN OR DI AKO NAIINTINDIHAN. -Lalo na noon na di pa ako nagpaprioritize ng self development, mahilig ako makipag away or makipagtalo at magkimkim ng sama ng loob. Pero alam nyo ba na bago pa ako mabumtis, di ako ganito. Magaling ako magregulate ng emotion pero life happens and eto yung number 1 thing na inaayos ko sa sarili ko ngayon kase hirap mabuhay na may galit ka sa puso. Nakakapatay talaga ng buhay. relationship. lahat.
   
3. TAKOT AKO SA FEEDBACK,REJECTION, AT PAGKAKAMALI
   
4. Matagal na panahon din ako nag rely sa sarili ko bago ko nakilala ang jowa ko at nagkaroon ng anak at napilitinang tumira sa ibang tao. So what I do to learn is to research at makinig sa mga professional. Pero ang hirap saakin magtake ng feedback from other people. Like sa parents ng jowa ko, lalo na pag alam kong taliwas sa niresearch ko or sa tamang gawain, di ko talaga sinusu od. Tulad nga ng sa tubig sa mga baby. Meron din naman benefitial pero hirap din ako sumunod kase may ibang way ako ng paggawa ng ibang bagay or di ko sya magawa dahil nahihirapan ako ganun. sabi nt partner ko ito daw talaga yung PINAKA OPPORTUNITY KO. DI AKO MARUNONG TUMANGGAP NG FEEBLDBACK AT REJECTION AT DI AKO MARUNONG MAG SELF REFLECT PURO DAW AKO PAGTURURO NG MALI NG IBA LALO NA DAW SYA PERO DI KO DAW ALAM MAG SELF REFLECT. I'm working on this NOW by having a self reflection journal. Pag may difficult feelings ako as much as possible sinusulat ko agad sya tas tatandaan ko yun. Meron na din akong self development apps para makatulong sakin. Pag nasa point naman ako na nagbibigay ng feedback yung jowa ko, imbis na magdahilan ako, hihinga na lang ako para di ako makapag rason.
   
5. PALAASA TALAGA AKO SA KANYA. -Nung una talaga palaasa ako sa sarili ko. Pero nhayon, i tend to be more pala asa sa kanya. For example sa pag aalaga ng bata, pinag aalaga ko sya kase madali ako ma overstimulate sa anak ko at need ko din maglinis ng bahay. Or sa pagsasampay ng damit, malayo ang sampayan samin. Since malayo at madming sampayin, sya ipagsasampay ko. At sa basura, syempre ako na nag ayos ng basura namin, sya na sana magtapon .Dahil meron na sya sa buhay ko , umasa na ako sa kanya sa mga bagay na kaya ko namang gawin.
   
6. MAY MGA ARAW DIN NA TIMATAMAD AKO AND I TEND NA DI MAGLINIS OR MAG AYOS LANG PERO DI MAGLINIS
   
7. ito yung talagang point na kung gaano kagulo ang utak ko makikita mo sa surroundings namin. Tambak na hugasin. Tambak na labahin. magulong kusina. Ngayon, since na discover ko yung pomodoro at time blocking, Ang ginagawa ko, for 5 days a week , mag aassign ako ng isang focus na room para linisin tas for the rest may speed cleaning ako na 25 mins para di ako ma overwhelm. May time din na di ko napagluluto yung partner ko dahil either walang maluto or nakalutan ko talaga( Yes po. nakakalutan ko. Nakakalutan ko rin kumain). Syempre gagalit sya alang makain ang pamilya.
   
8. PALASUKO PO AKO. DI AKO CONSISTENT. MADALI AKONG SUMUKO.
   
9. Eto palang yung relationship na di ko na kaya. naka ilang attempt na ako ng pag alis at pakikupaghiwalay pang lima ko na po ito. Di din ako consistent sa mga gawain. may hyperactive days ako. may time na di ko na bigla gagawin ang isang bagay.
   

RESPONSABLE SYA NA TATAY. DI SYA NAGKULULANG SA PERA. SA TULOG LANG. DI NYA AKO SINASAKTAN PHYSICALLY. MAHAL NA MAHAL NYA ANAK KO. PERO BIG DEAL TALAGA YUNG EMOTIONAL AT MENTAL TORTURE KO. Nakilala ko na sya on a deeper level at ayoko na talaga
ANG HABA DIBA. KUNG NAKAABOT KA DITO. GUSTO KO AY MAGBIGAY KA NG MEANINGFUL ADVICE. LIBRE LAIT. SUMAMA MAN LOOB KO LAGAY KO NA LANG SA NOTEBOOK KO PARA MAGREGULATE NG EMOTION. ITUTULOY KO PA BA MAKIPAGHIWALAY OR BAKA NAMAN GAGO LANG TALAGA AKO AT DI AKO KARAPAT DAPAT SA PARTNER KO. BAKA MAY LIFE ADVICE KAYO LALO NA SA MGA MATATAGAL NA ANG RELATIONSHIP NILA AT MAY SAME PROBLEM SAAMIN NA NAPAGTAHUMPAYAN NYO SHARE NYO NA

I replied to a post yesterday and in the discussion there were a number of requests for more info on how I grew my annual earnings from 28k to 750k over a 30 year period. I commented that it was nothing fancy, but that I’m happy to share what my personal playbook was with this post.
First, there are many ways to get wealthy. Mine was the boring slow way. I didn’t grow up in poverty, lower middle class is more accurate. Had two great parents who cared, but we didn’t have alot financially. Put myself through a state college to get a Bachelors in business. Wanted to start my own business after graduation but needed to get a job to start paying back the school loans.
I had read every career and business book I could get my hands on, and the strategy I chose was to get hired in an entry level role at a branch of Fortune 500 company and work my way up. I was trying, but just wasn’t getting hired because I didn’t have any experience. From what I read, Sales would be the best place to start for me.
I was however able to get a year or so of sales experience at a small company, making 28k. With that experience I again started applying to big companies. Not in tech, and while that’s probably one of the best fields, I really don’t think field matters as much as size of company does. Big, publicly held companies benchmark compensation levels and tend to structure pay similarly to be competitive.
Ideally your background will allow you to target a large and steadily growing industry. That was my strategy thinking it would equate to more opportunities for advancement over time.
I finally landed a sales job in a small field district of a Fortune 500 company, and my pay went up to 60-70 annually. My first big jump. I outperformed my peer group and built a name for myself internally and externally in the market. A few years later I was anxious for a promotion that was still a few years away based on internal timing. When I got recruited to go work for a different company as a sales manager role, I took it. My compensation jumped to 130k. 90k base, plus bonus. Most importantly this company was doing better than my first one, therefore had more internal opportunities to apply for, which I did. I made it known I was here to learn and grow and make contributions to the business. Management liked the enthusiasm and I delivered on results.
25 years and 7 promotions later I was a VP. There was no secret advantages here. I out worked and outperformed others, kept a positive attitude, asked for mentorship, was a lifelong learner, built relationships and a good name for myself, and was willing to adapt to a constantly changing environment. I put integrity first and build a solid reputation and relationships up, down and across the large organizations.
Outside of work, my sahm wife and I raised our family comfortably on my growing salary, but we avoided lifestyle creep. Never spent much more when 750k came in than we did when 200k came in. Key was paying off all debt including our house early and investing steadily over this time period. Net worth is about $7M today and will be $10M when I retire in a few years. This is just one persons path, but perhaps it’s helpful to some of you. Happy to answer any questions here but no private messages please. Too many scams out there. Best regards.

The global rhinoplasty market is projected to grow at a significant CAGR of 6.4% to 2027, reaching a value of USD 6.16 billion by 2027. The primary drivers of this growth include rising awareness about aesthetics and physical appearance. The influence of social media has particularly encouraged the younger population to consider cosmetic surgeries like rhinoplasty. Additionally, higher income levels and the increasing popularity of medical tourism have further boosted market expansion.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=145792
Market Trends:
Increasing Popularity of Minimally Invasive Procedures: Advances in medical technology have led to the development of minimally invasive rhinoplasty techniques. These methods, such as the use of injectable fillers and laser treatments, offer significant benefits including shorter recovery periods, reduced pain, and fewer complications compared to traditional surgical methods. These advantages make minimally invasive procedures an attractive option for patients who seek aesthetic improvements without the extensive downtime associated with conventional surgery.
Rising Influence of Social Media and Celebrity Culture: Social media platforms play a crucial role in shaping public perception of beauty standards. Influencers and celebrities frequently showcase their cosmetic procedures, including rhinoplasty, leading to increased awareness and acceptance among the general public. The aspirational aspect of social media encourages individuals, particularly younger demographics, to pursue cosmetic enhancements to emulate the looks of their idols. This phenomenon has significantly contributed to the growing demand for rhinoplasty procedures.
Growing Acceptance of Cosmetic Surgery Among Men: The stereotype that cosmetic surgery is solely for women is rapidly changing. An increasing number of men are now seeking rhinoplasty to enhance their facial features, driven by societal shifts towards greater acceptance of male grooming and aesthetics. Men are becoming more conscious of their appearance and are willing to undergo cosmetic procedures to achieve their desired look. This expanding demographic is contributing to the overall growth of the rhinoplasty market.
Technological Advancements in Rhinoplasty: Technological innovations are revolutionizing rhinoplasty procedures. The use of 3D imaging and computer-assisted surgical planning allows surgeons to create detailed, personalized surgical plans. These technologies provide a clearer visualization of the expected outcomes, enabling more precise and predictable results. Additionally, the integration of robotics and advanced surgical tools is enhancing the accuracy and efficiency of rhinoplasty procedures, leading to improved patient satisfaction.
Expansion of Medical Tourism: Medical tourism is becoming a significant driver of the rhinoplasty market. Patients from countries with high healthcare costs are traveling to destinations where they can receive quality medical care at more affordable prices. Countries like South Korea, Brazil, and Turkey are popular for their expertise in cosmetic surgery and offer competitive pricing, attracting international patients. The rise of medical tourism is supported by improvements in global connectivity, better healthcare infrastructure, and the availability of skilled surgeons in these regions.
Market Opportunities:
The rhinoplasty market presents significant opportunities driven by various factors. The increasing popularity of minimally invasive procedures and technological advancements such as 3D imaging and computer-assisted surgery offer avenues for innovation and enhanced patient outcomes. The expanding acceptance of cosmetic surgery among men and the influence of social media and celebrity culture further broaden the market demographic. Additionally, the rise of medical tourism provides opportunities for growth in regions known for high-quality, cost-effective healthcare services. Enhanced awareness and accessibility, coupled with the trend towards personalized and customized procedures, create a favorable environment for market expansion. Offering comprehensive post-surgery care and support services can also differentiate providers and improve patient satisfaction, thereby driving long-term growth and success in the rhinoplasty market.
According to the recent report published by RC Market Analytics, the Global Rhinoplasty Market is expected to provide sustainable growth opportunities during the forecast period from 2024 to 2030. This latest industry research study analyzes the rhinoplasty market by various product segments, applications, regions and countries while assessing regional performances of numerous leading market participants. The report offers a holistic view of the rhinoplasty industry encompassing numerous stakeholders including raw material suppliers, providers, distributors, consumers and government agencies, among others. Furthermore, the report includes detailed quantitative and qualitative analysis of the global market considering market history, product development, regional dynamics, competitive landscape, and key success factors (KSFs) in the industry.
Browse the Full Report Discretion @ https://www.researchcorridor.com/rhinoplasty-market/
Geographically, the rhinoplasty market report comprises dedicated sections centering on the regional market revenue and trends. The rhinoplasty market has been segmented on the basis of geographic regions into North America, Europe, Asia Pacific, Latin America, and the Middle East & Africa. Rhinoplasty market estimates have also been provided for the historical years 2020 to 2023 along with forecast for the period from 2024 - 2030.The report includes a deep-dive analysis of key countries including the U.S., Canada, the U.K., Germany, France, Italy, China, Japan, India, Australia, Mexico, Brazil and South Africa, among others. Thereby, the report identifies unique growth opportunities across the world based on trends occurring in various developed and developing economies.
The Rhinoplasty Market Segmentation:
By Treatment Type:

• Augmentation
• Reduction
• Post-traumatic
• Reconstructive
• Revision
• Filler
• Others (Ethnic Rhinoplasty, Refinement Rhinoplasty)

By Technique:

• Open Rhinoplasty
• Closed Rhinoplasty

By Region:

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Major players in the global rhinoplasty market include Allergan, Sientra, Inc., Johnson & Johnson Services, Inc., Medartis, Implantech, and TMJ Concepts. These companies are expanding their presence through market expansion, new investments, introducing innovative services, and strategic collaborations. By entering new geographical markets and pursuing acquisitions, they aim to gain a competitive edge and leverage joint synergies.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=145792
Key Questions Answered by Rhinoplasty Market Report:

• Product popularity and adoption based on various country-level dynamics
• Regional presence and product development for leading market participants
• Market forecasts and trend analysis based on ongoing investments and economic growth in key countries
• Competitive landscape based on revenue, product offerings, years of presence, number of employees and market concentration, among others
• Various industry models such as SWOT analysis, Pestle Analysis, Porter’s Five Force model, Value Chain Analysis pertaining to Rhinoplasty market
• Analysis of the key factors driving and restraining the growth of the global, regional and country-level markets from 2020-2030

About Us:RC Market Analytics is a global market research firm. Our insightful analysis is focused on developed and emerging markets. We identify trends and forecast markets with a view to aid businesses identify market opportunities to optimize strategies. Our expert’s team of analysts’ provides enterprises with strategic insights. RC Market Analytics works to help enterprises grow through strategic insights and actionable solutions. Feel free to contact us for any report customization at sales@researchcorridor.com.
Media Contact:
Company Name: RC Market Analytics Pvt. Ltd. Contact Person: Vijendra Singh Email: sales@researchcorridor.com Visit us: https://www.researchcorridor.com/

I have a house valued at approximately $300,000 with a $180,000 mortgage. The property generates a net cash flow of about $600 per month after expenses, and I have a $40,000 HELOC on the house that I haven't used yet. Besides that, my liquid cash reserves are low. Should I use the HELOC funds (and possibly a business line of credit) to purchase another property using a DSCR loan, then focus on building up my cash reserves while paying down the HELOC as both properties generate cash flow? I'm struggling to assess my leverage risk, but I know I would have enough for the down payment and closing costs on a new property that would cash flow, leaving me with around $10,000 for emergency expenses, potentially more if I can secure a $50,000 business line of credit. I have access to places where I can live rent-free, which would allow me to pay down the HELOC and lines of credit more quickly during the cash flow process.

I have a house valued at approximately $300,000 with a $180,000 mortgage. The property generates a net cash flow of about $600 per month after expenses, and I have a $40,000 HELOC on the house that I haven't used yet. Besides that, my liquid cash reserves are low. Should I use the HELOC funds (and possibly a business line of credit) to purchase another property using a DSCR loan, then focus on building up my cash reserves while paying down the HELOC as both properties generate cash flow? I'm struggling to assess my leverage risk, but I know I would have enough for the down payment and closing costs on a new property that would cash flow, leaving me with around $10,000 for emergency expenses, potentially more if I can secure a $50,000 business line of credit. I have access to places where I can live rent-free, which would allow me to pay down the HELOC and lines of credit more quickly during the cash flow process.

I made a post a few days ago about going to the local farmers market, and I wanted to report on the fun day and huge haul!

1. Got a ton of ground beef, pork chops, chicken. Prices per pound were similar or even lower to Loblaws, but the meat looks so much fresher. The chicken I got was twice the size as a grocery store chicken!
2. I got some surprising delicious baked goods. I have a health condition that limits the foods I can eat, yet the market had multiple stalls selling foods safe for me to eat. I got some donuts that taste like old school Tim Horton donuts, some éclairs and cookies. It was a real joy to come across them!
3. So many fruits and veggies. I got beautiful fresh and bright raspberries for 2 bucks a clam (and they are the large ones, not the half sized), giant bag of green beans for 5, beautiful cabbage for 3, a whole heaping basket of over 20 red peppers for 10. Big bundles of tender asparagus 2 for 5. A large bag of unique lions mane mushrooms for 11 (they were delicious in butter!). I know I got more but there was so much that I had to get right to food prep when I got home so I could fit all the food I got into my fridge and freezers!
4. So many snacks, drink, entertainment. There were musicians playing some really beautiful music, and there were so many ready-to-eat goodies in every nook and cranny. I couldn't have much, but my husband was on cloud 9 with all the samples and goodies he was able to get! He got a delicious juicy burger with the fixings, and a delicious box of fresh apple fritters.
5. The merchandise stalls were so much fun! Even if they weren't items I wanted myself, it was fun to check out all the cool designs and creations businesses had thought up, or to be able to check out items that are otherwise hard to find. I was able to get a whole set of pie molds for 10, which will make homemade handpies and perogies an absolute breeze! There were such beautiful flowers that made the market smell so fresh along with the baked goods and sweets wafting on the air. I even found the cutest sunhat I ever did come across, and my partner found a gadget he had been wanting for ages but never came across! I even found the cutest crochet table and got my mom a little turtle for her desk (they are her favorite animal).

Overall it was so much fun exploring all the stalls, and it was a balance game trying to get all the food into the cart I brought with me to help carry it all! My fridge, freezer and heart are filled to the brim! And I did it all in a span of a few hours, so I still have the majority of my day left to get my work done. I am going to make it a habit to go to the market every other week, if not every week, to avoid grocery stores as much as I can.

Not that it matters, but I deliver to a very wealthy area on part of my route that I sub for and a customer put a letter in their box for a house two doors down with a stamp and everything. Why not save the stamp and just walk to their door?
I just found it strange but I guess they did it for a reason. I know for sure the customer sending the letter is able bodied, so maybe business or just personal reasons?