Vanderbilt mortgage and finance inc

Hi all, Mid 30s male in Canada. Wife of 5.5 years (a little over 7 years together total) decided a month ago that she did not want to be in the marriage any longer, and is moving overseas this Friday. She has been very clear there is no hope of reconciliation on her side.
The reasons she gave are that she felt responsible for my happiness, and so was putting a lot of energy into feeding positivity and energy to me. She also feels that my mental health journey is not moving fast enough, and my deciding to take a couple years off therapy while I try antidepressants and figuring out life was not a reasonable course. Lastly, she wanted me to get a vasectomy, which I was agreeable to but kept pushing off because I did not understand how important it was to her because she never told me.
I was always the bread winner. I make ok money (high 70s plus overtime), but I do not like my industry or job. She went through numerous low paying jobs and periods of unemployment, and I always treated my money as our slush fund, mostly spending it on her and the costs of life. We moved to the East Coast 2 years ago for a job she was sure she would love, and bought a house she loved in a small town in the middle of nowhere. She left the job last year, and has been unemployed since. We had agreed at the start that the goal was for me to support her to a career she likes, and once she was making enough I would try to move into an industry I was interested in. I can't afford to try to switch now, with 2 cats and the full mortgage to cover on top of all the other costs of living.
Our sex life has long been fairly dead, between both of our depression and the drugs for that, my stress, her job situation, and my fear of rejection. We would have sex maybe once every 3 months. It was ideal, but she knew the main root causes and that I was working to address them. Otherwise we were largely good, and even a couple months ago she told me we were better than we had been in a long time.
I'm buying her out of the house for simplicity sake, and have to live in the province until the divorce goes through, or we have to restart the waiting period of 1 year after I move. Finances are all agreed to, and I will end up retaining most of my money. I'll also have the 2 cats.
How does a mid 30s male go about moving ahead. I know obviously therapy would be a good choice, but that'll take some time for me to get to again. I've got a few minor friends in town, but they have kids and life, so hard to see them. The closest "city" (around 30k people) is 30 min away. My closest family is in another province, and about a 7 hour drive. How do I pick myself up and move forward? Nothing I used to enjoy holds my interest or any enjoyment for me (I know. Par for the course in these situations).
Thanks!

When a defendant is ordered to pay a plaintiff, they open themselves up to rigorous post judgement discovery from the party they owe money to. Lindell and lawyers have completely ignored these interrogatories. Today, the judge ordered a response from Lindell. Further delay may open Lindell up to additional fines and even criminal penalties.
Lindell, for the first time in his life, is experiencing the find out portion of his defamatory and criminal behavior. And is now getting a preview of the relentless nature Coomer and Smartmatic will take to pursue their future judgements against him.
Here's the first 10 of 20 LONG, DETAILED questions Lindell is now required by law to produce:
INTERROGATORIES

1. Identify the name, address, and state of incorporation or organization of any corporate or other business entity you owned or operated during the relevant time period.
   
2. Identify the shareholders, directors, officers, partners, members, managers, or other owners or operators of any entity identified in response to Interrogatory No. 1 above.
   
3. Identify and describe your revenue during the relevant time period, including but not limited to all sources of income, revenue, or remuneration of any kind, including payments for goods and services, interest income, operating income, payments on accounts receivables, commissions, agency fees, loan repayments, rents, royalties, license fees, dividends, distributions, payments relating to sales of assets, equipment, or inventory, payments on contracts, or any other payment or remuneration you received in connection with the operation of your business.
   
4. Identify and describe your routine expenses, including but not limited to: operating costs; rental obligations; payroll and benefits; outstanding loans; installment payments; mortgage payments; loan payments and financing charges on vehicles, boats, aircraft, equipment, and supplies; payments due under contracts; royalty payments and license fees; commissions owed to brokers, dealers, or representatives; legal, accounting, and other professional fees; advertising and marketing costs; and other routine debts and expenses that occur on a regular basis.
   
5. Identify and describe all debts and liabilities you owed or incurred during the relevant time period, including: a. The name, address, and telephone number of the creditor. b. The amount owed. c. When the debt was incurred and for what reason. d. Whether all or any portion of the debt is paid. e. When all or any portion was paid. f. Whether the debt is secured and, if so, how it is secured. g. Any remaining balance on all such debts.
   
6. Identify all legal actions in which you have been or are a party during the relevant time period, including: (a) the title of the case; (b) the name of the court/forum where the action is or was pending; (c) the case number; (d) a description of the case; and (e) the outcome of the case, if applicable (for example, a judgment for money damages against you or the other party).
   
7. Identify all individuals, institutions, and other entities that owe you debts or liabilities, including: (a) the name, address, and telephone number of the debtor; (b) the amount of the debt or liability as of February 22, 2024; (c) whether the debt is secured, and if so, how; (d) the maturity date of the debt; (e) whether any debt has become uncollectable.
   
8. Identify and describe all real property you currently own, hold, or claim any type of interest in, directly or indirectly, in whole or in part, or owned, held, or claimed any interest in, directly or indirectly, in whole or in part, during the relevant time period, including: (a) the property’s address; (b) the purchase price; (c) the current fair market value; (d) the type of real property; (e) how the property is currently titled; (f) how the property was titled when first purchased; (g) your interest in the property; (h) the identity of any third parties who possess or claim to possess an ownership interest in the property; and (i) any debts, liabilities, liens, or other encumbrances against the property.
   
9. Identify all banks, brokerage firms, investment firms, or other financial institutions for any account which you currently own, hold, or claim an interest in, in whole or in part, or owned, held, or claimed an interest in, in whole or in part, during the relevant time period, including: a. The bank, investment firm, or other financial institution name, address, and telephone number. b. The name under which the account is titled. c. The account number. d. The account type. e. The account balance from January 24, 2018 to present. f. The identity of any third parties who possess or claim to possess an ownership interest in the property. g. Any debts, liabilities, liens, or other encumbrances against the accounts.
   
10. Identify and describe all vehicles, aircraft, boats, or other water vessels you currently own, hold, or claim an interest in, directly or indirectly, in whole or in part, or owned, held, or claimed an interest in, directly or indirectly, in whole or in part, during the relevant time period, including: a. The property’s current location. b. The property’s purchase price. c. The current fair market value. d. The type of property. e. How you acquired an ownership interest or claim in the property. f. Your current ownership interest or claim in the property. g. The identity of any third parties who possess or claim to possess an ownership interest in the property. h. Any debts, liabilities, liens, or other encumbrances against the property.
    

The full document can be found here: https://storage.courtlistener.com/recap/gov.uscourts.mnd.207955/gov.uscourts.mnd.207955.64.2.pdf
​

Weird finance question: if a potential investment property requires a cash offer, can I get a personal loan to finance what I lack in actual cash and then finance the home with a conventional loan after purchase?
What would that process look like on the back end? Can I just apply for a mortgage on a house I already own or would I need to "refinance" or sell it to myself?
Edit: I prefer not to go the hard money loan route is possible, but would do so if that is my only/best/easiest option.

Leveraging Your Client Database: A Strategic Approach to Uncovering New Business Opportunities

In the dynamic world of finance, one of the most valuable assets a loan product advisor can possess is an extensive and well-maintained database of clients.
This treasure trove of information goes beyond mere contact details; it holds the key to unlocking new business opportunities and fostering lasting relationships. In this comprehensive exploration, we delve into the strategic methods loans officers can employ to leverage their client databases effectively.
Understanding the Power of Your Database.
Your client database is not just a digital Rolodex; it’s a goldmine of insights into your clientele’s financial needs, preferences, and behaviors.
Unlike public use databases, each entry represents a unique story, a financial journey that can guide you in tailoring your approach to meet specific needs. Before delving into ways to extract new business from your database, it’s crucial to understand its potential fully.

Segmentation for Precision:

Begin by segmenting your client database based on commonalities such as industry, loan type, or financial goals. This segmentation allows you to create targeted marketing campaigns and personalized communications, increasing the likelihood of resonating with your audience.
By understanding the distinct needs of each segment, you position yourself as a proactive and attentive professional, strengthening client relationships and fostering trust.

Analyzing Past Interactions:

Carefully analyze past interactions with clients stored in your database. Identify patterns, preferences, and pain points. The process of understanding begins when reviewing a loan application.
This retrospective analysis provides valuable insights into the effectiveness of previous strategies and highlights areas where you can offer additional support or services.
It’s not just about closing deals; it’s about nurturing ongoing relationships and positioning yourself as a trusted financial advisor.
Strategies for Uncovering New Business: Now that we’ve laid the groundwork for understanding the potential of your client database, let’s explore actionable strategies to uncover new business opportunities.
Cross-Selling and Up-Selling:
Your database holds a wealth of information about the products or services your clients have engaged with in the past. Leverage this data to identify opportunities for cross-selling related products or up-selling to higher-value services.
For instance, if a client recently secured a mortgage, consider offering them additional financial products such as insurance or investment opportunities. The key is to provide value by addressing their evolving financial needs.
Reactivation Campaigns:
Over time, clients may slip through the cracks, becoming inactive. Implement targeted reactivation campaigns to re-engage these clients. Analyze their historical interactions and craft personalized messages that speak to their specific circumstances.
Whether it’s offering a new loan product or providing insights into market trends, reactivation campaigns can reignite interest and bring dormant clients back into your fold.
Referral Programs:
Happy clients are your best advocates. Develop and implement a referral program that incentivizes your existing clients to refer friends, family, or colleagues in need of financial services.
By tapping into the trust established with your current clients, you not only expand your client base but also benefit from the inherent credibility that comes with a personal recommendation.
Educational Content:
Position yourself as a thought leader in the industry by creating and sharing educational content with your database. This could include newsletters, blog posts, or webinars that address common financial concerns, industry trends, or changes in regulations. This is what banks look for when reviewing loans and loans credit performance analysis tutorial.
By providing valuable and relevant information, you not only strengthen your relationship with existing clients but also showcase your expertise to a broader audience, attracting potential new clients.
Targeted Marketing Campaigns:
Utilize the segmentation of your client database to run targeted marketing campaigns. Whether through email, social media, or other channels, tailor your messages to resonate with each segment’s unique needs.
Highlighting specific loan products, promotions, or exclusive offers based on the client’s history and preferences significantly increases the chances of capturing their attention and driving them toward a new business engagement.
Feedback and Surveys:
Engage with your clients through feedback forms and surveys. Understand their satisfaction levels, identify areas for improvement, and, most importantly, uncover additional financial needs they might have.
This not only demonstrates your commitment to continuous improvement but also serves as a direct channel for discovering new business opportunities that align with your clients’ evolving requirements.
Monitoring Life Events:
Keep a close eye on significant life events that may impact your clients’ financial situations. Whether it’s a marriage, the birth of a child, or retirement, these events often trigger new financial needs.
Position yourself as a proactive advisor by reaching out during these pivotal moments, offering tailored solutions to address the changing circumstances and solidifying your role as a trusted partner throughout their financial journey.
Conclusion:
In conclusion, a well-managed client database is not just a record-keeping tool; it’s a strategic asset that can drive the growth and sustainability of your loans officer career.
By employing segmentation, data analysis, and targeted strategies, you can uncover new business opportunities within your existing client base. Ethical considerations, continuous learning, and adaptability are the pillars that will support your efforts in leveraging your client database effectively.
As you navigate this journey, remember that every entry in your database represents a unique opportunity to make a positive impact on your clients’ financial lives and solidify your position as a trusted advisor in the competitive world of finance.

Ok, just to be clear, this is hypothetical....
I had a long divorce. Took years, as the ex-husband intentionally dragged it out. This is only important because I happened into a new relationship, and by the time the tortuous divorce was over and I had to sell the house, BF was buying a new house so that I could move in with him with all of my crap from a 20+ year marriage. (Met the BF after I split with ex, even though he doesn't think so.)
Part of the divorce was selling the family home. I wanted to keep it, as my kids were raised there, and my yard had been carefully cultivated for over 15 years. Unfortunately, ex wouldn't negotiate at all (As he just wanted to make me sad), and we had to sell. However, I took some of the important plants from my yard. Things that had literally come from my childhood home, my grandfather's house before his death, and some gifts from my kids. I planted them at the BF new house, in the yard, and we worked hard for 5 years to make this new corner lot front yard a showpiece. Literally every time we were outside, spring - fall, people stopped to tell us how beautiful it was. I spent thousands of hours and thousands of dollars, and we were happy there. We loved the old Craftsman home, and the neighbors.
However, when the pandemic hit and the political climate started changing, the crime rate skyrocketed, and we were victimized multiple times. I was a wreck - the house was high visibility and on a highly trafficked route. Even though we had cameras, our cars were broken into multiple times and things were stolen off the porch, despite the BF working from home. The brazenness was terrifying. (most of the crime was being committed by people with serious drug issues and long rap sheets, that included violent crimes. We found this out later when they caught one of the guys.) The last break in, I had fallen asleep on the couch, and forgotten my work bag in the car, where it was stolen - checks, lap top, personal papers. And - yet another insurance claims, as I had 2 previous broken windows, a stolen car stereo, and interior damage to my truck, just because the criminal was feeling petty (or cracked out, or both).
I had had it. We had to sell. We loved it there but we had to leave the city. We found a place, moved and paid double house payments for months, trying to get the place ready. It was a 100 year old house, and after inspection we discovered that it needed more work than anticipated. We had to replace the roof, refinish the floors, etc. Also, to be honest, we both have WAY TOO MUCH STUFF, and it took forever to make the 45 minute drive between places to pack and unpack, all while working full time.
We were running out of money, and out of summer which is the best time to sell. We got it listed after MONTHS of work to make the place even more beautiful. BF believes strongly in doing the "right" thing, which for him was to make things as perfect as possible for the next family. (I disagreed on a lot of the work, as it was not necessary and buyers will buy the house if they like it, but it was his decision, and I love him for his brand of integrity).
We didn't have time to remove the plants we were taking, but we clearly flagged them, and it was clearly called out in the listings.
We got an offer from a former military guy with a young family and although I wish we could have kept the house, we were thrilled. Then their financing fell through and we were even further behind the 8 ball. We got another offer.
Now, here is what will probably be called out as the biggest asshole issue of the two issues that will be outlined here, but I really don't care about the opinions of other people on this one.
I am from a beautiful place. Born, raised and came back here 20 years ago. It's a place that is HIGHLY popular. Lots and lots of things to do outside, lots of different climates throughout the state, lots of different kinds of water. It has been VERY popular for decades, but the interest has picked up exponentially in the last ten years.
I HATE IT. The largest groups of people coming here are from a place known for terrible driving habits, and a very superficial, entitled mindset. VERY consumeristic. VERY shallow. As a group, I literally hate these people. Let me tell you why. It has NOTHING to do with race. It has everything to do with 2 things: behavior, and the affect it is having on the state. The people coming here are from a high income, high cost of living area, and over the last 20 years, they have driven up property values to the point that it is not affordable to live. Property values are ridiculous, and inventory is too low for demand, so that leads to the next problem - new housing. I am not exaggerating, new neighborhoods are going up everywhere. They are paving over berry fields, pastures, farmland of all kind. Parks (moved to "more convenient" locations), cemeteries, beautiful old buildings knocked down for high density housing. The area doesn't have the infrastructure for that, so new taxes for new roads, as traffic is insane. We don't have the services for the low income people that were here, and have come here with the influx. We don't have the services for the homeless, or the addicted. The people coming here, especially from there, are ruining this place. I mean that. The huge influx is killing everything that makes this place special. Trash, crime, traffic, farm land, state parks - all affected. I won't even go into a lot of detail about the consistent personality traits, but there are a LOT of similarities in behaviors, and few of them are good. I would like to be clear that I like people individually, and am never unkind to a person who is kind to me, no matter where they come from. And again, this is not about race. White people are by far the worst perpetrators of the things that bother me (and I am white, so...).
Back to the house. The first offer fell through and put us even farther behind. We were running out of savings paying to mortgages.
I told our realtor from the beginning - we will not sell to someone from that place, so be prepared. Not because I am a bigot, but a) I didn't want to be a hypocrite and b) I didn't want one of them in my house that I loved.
As I mentioned the second offer came in, but had none of the info that we asked for. The realtor was cagey, and finally told us that the buyer was from "there". The realtor also told us that, despite the house price being more than fair, especially with all of the upgrades we recently did (including a new roof, floors and beautiful covered porch), the offer was $25k less than asking because (and I quote) "I am paying cash and you'll take it because your first offer fell through and it will close quickly".
At that point, I told the realtor that I would burn it down before I sold to her. I also told BF I would take my remaining saving to pay the mortgage so we could refuse the offer and wait for another. He thought that it was necessary to take the offer, and save our money. We both cried.
She pulled a lot of shady things during inspections, and had a contractor come back with a falsified report on the foundation. I know it was not accurate because I am a PM in construction and we had written inspection reports for those same items she referenced, by professionals that I work with daily. She was a bully, a proven liar and an all around terrible human.
She ended up getting a decent credit so that we could be done. I nearly choked. But, the story doesn't end there....
Just before closing, she came back with another demand. She would walk away from the sale if I did not leave every one of my plants. Despite it being clearly marked and stated from the beginning. Despite having removed some already. Despite not mentioning it before now, weeks into the process, when it would literally cost us to walk away. This was a planned tactic and it was offensive on a level I can't adequately describe, and was ironically exactly the behavior that has formed my very negative opinion of the group over many years.
This caused the first argument that I had ever had with the BF. He understood to a degree how important those plants were to me, but he was mentally and financially exhausted. He is a passive personality, and I am NOT. I am a fight-for-what-I-believe-in-to-the-death personality. A cut-my-nose-off-to-spite-YOUR-face girl. It was HARD. The hardest month of my 5 year relationship, caused by someone who was behaving in a way that exactly highlights why I didn't want to do business with her in the first place.
I conceded some of the plants that were important, but I absolutely refused to leave some of them. I did agree to replace some with like-plants. My BF and I hardly spoke for a week. I was crushed and FURIOUS at everyone in the situation - him, the realtor and the woman from "The Place" (as I call it now, so that it doesn't make going out in public difficult, as I do not have qualms anymore about voicing my opinion). BF finally said that I could take a few more plants than we agreed to if I replaced them.
So, later that week, my friend who has degrees in horticulture from a well-known university, helped me dig up and replace the things that I was taking. We filled the holes and made it look nice, so as not to incur further wrath. We had an open discussion while digging outside about the woman and my hatred of her, and we mentioned in open conversation some obscure plants that I intended to take that the woman had specifically referenced as wanting. I didn't end up taking these plants because we ran out of time before it got dark.
The next day, we got a furious email and phone call from the buyer's realtor. I DID take a few other plants than we agreed to. They were from my grandfather's yard (She knew that. She didn't care). But I did replace them with the same quality plants. However, she also referenced those obscure plants as "missing" - you know, the ones that I DID NOT take...? THEY HAD INSTALLED A RECORDING DEVICE ON MY PROPERTY BEFORE CLOSING. I just about lost my ever loving mind. BF was livid, but also so incredibly tired of this and just wanted it to go away so we didn't end up bankrupt.
So - here is my second "am I the asshole" issue: I thought to myself "well, if she wants plants, let's make sure she has PLANTS". I had TWO packages of dandelion seeds from an organic seed company that I hadn't used. New, just sitting in the laundry room. (don't ask me why I had them - that's another petty story).
I couldn't bring myself to salt the flower beds and the yard - I loved the plants and the house more than I hated her. But I did help her out by planting 4000 dandelion seeds for her. Which should be starting to bloom right about now, as it's been raining like crazy and the weather is warming. I hope she enjoys the time gardening in the yard this year as much as I did. While I hope that karma bites her in the ass, I also hope that every time she digs a dandelion, she think s of what a low-life garbage human she is, and maybe chooses to be better. I doubt it.
I am not sorry. I mean, I would not be, if this were not hypothetical.

Nuvectis Pharma (NASDAQ: NVCT) reported solid first quarter results for 2024, demonstrating fiscal stability and strategic growth. The company's cash reserves increased slightly to $19.5 million, and it successfully reduced its current liabilities, bolstering its financial position for ongoing research and development efforts.
Significantly, Nuvectis has made progress in its clinical development programs. It released encouraging preliminary data from its Phase 1b study of NXP800, which targets platinum-resistant, ARID1a-mutated ovarian cancer—a notoriously difficult cancer to treat. The FDA has recognized the potential of NXP800 by granting it Fast Track Designation.
Additionally, at the 2024 AACR conference, Nuvectis presented data showing that NXP900 exhibited robust activity against non-small cell lung cancer (NSCLC) cell lines, suggesting potential breakthroughs in treating resistant forms of this cancer.
Ron Bentsur, the Chairman and CEO, highlighted the company's progress and the promising preliminary results from the ongoing studies. He also mentioned the expansion of patient enrollment for the NXP800 study and a collaboration with the Mayo Clinic to explore the drug’s potential in treating cholangiocarcinoma. Bentsur expressed optimism about the company’s trajectory, emphasizing the strength of its financial management and the strategic advancements in its drug development pipeline.
Looking forward to the second half of 2024, Nuvectis expects to provide several significant clinical data updates that could enhance understanding of the drugs' efficacy and safety, potentially leading to pivotal trials or regulatory submissions.
For more details, you can read the full announcment: https://finance.yahoo.com/news/nuvectis-pharma-inc-reports-first-120000765.html

Jack Byrne x CEO of GEICO & White Mountains Capital $WTM White Mountains Insurance rec'd credit by Mr. Buffett.
White Mountains Insurance $WTM made a major investment in 2019 into EJF Capital​ formerly FBR book runner that restructured NYSE Dynex Capital $DX with Fortress and Novation Companies Inc. $NOVCQ Board of Directors (public but submerged by Board via SEC Rule 15c(2-)11), after I shared with VP M&A my thesis on ​Novation Companies Inc. $NOVCQ plan to relaunch NOVCQ former NYSE MREIT ​formerly traded on NYSE symbol $NFI)​.​ I believe recent filings support my thesis these investor working under the cover of camouflage intend to monetize $NOVCQ $730M NOLs and www.Medmasa.com ​also called www.healthcare-staffing.com HCS owned by NOVCQ. I believe they intend to merge​e NOVCQ HCS with Jeff Eberwein, Whitney Tilson, Chuck Gillman Hudson Global $HSON). ​$NOVCQ Board of Directors as of May 6, 2024 are the same as NOVCQ only Sr Debt Holders CDOs or off balance sheet entities used to camouflage their identities Kodiak CDO I owned by EJF Capital ​and Taberna Trups CDOs I and II owned by Fortress​ (owned by Softbank but soon to owned by Mubadala Inv Co 70% and by Fortress Management 30% per WSJ. Many months after exit NOVCQ from first Ch 11 in MD NOVCQ Board handed only Sr Debt Holders EJF Capital/Fortress millions of cash plus 31.3M NOVCQ common shares​ (documents make this clear). I believe their is an understanding between Board, Fortress/EJF Capital and the two largest NOVCQ common shareholders MassMutual ​sub-Barings 20M & Jefferies​ $JEF 20M in total 40M NOVCQ common shares​ held by these two connect investment firms. Evidence shows a close working relationship with NOVCQ Board as of 2010. NOVCQ board of directors (Barry Igdaloff, Howard Amster own 40M NOVCQ common with Eberwein group). Igdaloff and Amster both made fortune with help of Fortress, EJF Capital then FBR restructuring Dynex Capital NYSE $DX a MREIT.​ Today DX pays them a .13 cts DX Common Dividend every month.
Novation Co NOVCQ public​ company shareholder value as of 5/6/2024 is worthless​ by design of these close connect investors. No one cares about a penny stock per one of their close advisors. My thesis suggestions they sit on Billions ​in future capital+ ​hundreds of millions in annual cash flow, $100Ms every year in MREIT dividends and External MREIT Management Fees. They hide Novation Companies $NOVCQ a public co hidden behind SEC Rule 15c(2)-11. This #SEC.Gov rule allows only Expert Investors to buy NOVCQ common​. It ends all SEC filings and stops retail bid/ask. ​Evidence show since this Rule ​15c(2)-11 was triggered ex​pert investment firms​, many related to Fortress Co CEOs have been buying NOVCQ common including Goldman Sachs, Blackrock & others like Talkot Capital Thomas Akin owns 1.9M NOVCQ common (Thomas Bruce Akin x CEO/COB of Dynex Capital trades NYSE under MREIT exemption $DX Board). ​Thomas Akin sat on Dynex Capital DX Board for many years ​with NOVCQ Chairman of the Board Barry Igdaloff per 9/3/2020 8K filed at $DX. Igdaloff served over 20 years on Dynex Capital ​$DX Board. David Dreman Author of “Contrarian Investment Strategies” bought 533k NOVCQ common under this SEC Rule. The 533,000 shares own by Dreman Value Mgt is small in nominal value ​but if my thesis is correct Dreman Value Mgt will make over ​$10​,500,000 that is $10.5M ​for a very small investment. Fortress, ​Thomas Akin, EJF Capital aka FBR ​Howard Amster and ​Barry Igdaloff are world class MREIT experts (​read WSJ 2005 named Fortress CEO as new Subprime MREIT King).
These investor​s working together have taken Novation Co $NOVCQ in & out of 3 restructuring including two Ch 11s. The 1st Ch 11 in MD & 2nd Ch 11 in DE​ filed 8/13/23​.​ Each one has used Sr Debt as ruse​ especially in the last DE Ch 11. Why would Boulay Group a top 100 CPA firm GAAP certify 10Ks and fail to disclose that the same investors owning the only Sr Debt to exit 1st Ch 11 in MD are related to the Novation Companies Inc. NOVCQ Board of Directors (Barry A. Igdaloff, Chairman of NOVCQ and his pal Howard Amster)? Boulay Group also aided their scheme by failing to disclose in audited 10Ks filed at SEC that at the same time the only Sr Debt Holders aka Fortress/EJF Capital aka owned Taberna CDOs I & II/Kodiak CDO I and 31.3M NOVCQ common shares? Fortress/EJF Capital paid a few thousand dollars for these CDOs. 8/9/2019 NOVCQ Board of Directors made Sr Debt Holders the largest common shareholders Fortress/EJF 31.3M​? ​These investors NOVCQ Board of Directors and friends with Fortress./EJF Capital owned est 71M $NOVCQ ​common and the only Sr Debt to exit MD CH 11.
Fortress/EJF​ Capital also stand to make hundreds of millions in management fees to externally manage NOVCQ ​by relaunch MREIT ​(NYSE Novastar Financial Inc. $NFI) renamed in DE Ch 11 as Novastar Mortgage Inc. Just like ​their restructuring at Dynex Capital DX with NOVCQ Board and Fortress restructured a MREIT Newcastle ​Investment Corp $NCT ​into 3 MREITs before changing name to Drive Shack DS which kept all of NCT 160M NOLs (MREIET are tax exempt under IRC). Fortress restructured​ Newcastle into 3 MREIT SNR​ (sold for $2.3B), GCI ​formerly New Media and ​New Residential Investment Corp $NRZ now traded ​as Rithm Capital $RITM​.​ $NRZ name was changed to Rithm Capital $RITM at the same time Fortress​ paid annually ​over $250m in management fees per 2019 10K. 2022 ​triggered a termination clause that paid Fortress a massive $400m termination fee for ending their management agreement with RITM formerly NRZ.
I believe ​these close investors working together at Novation Companies $NOVCQ​ will do it again by breaking NOVCQ into two tax free companies one MREIT the other monetizing NOVCQ $730M NOLs. A recent source disclosed NOVCQ has a new 8 Member Board of Directors ​lined up ready to replace Fortress/EJF pals ​Barry Igdaloff and​ Howard Amster all MREIT experts ​with a prior relationship with Fortress and EJF Capital. This new 8 Member Board has high hopes for www.healthcare-staffing.com renamed www.medmasa.com which I believe will be merged with Whitney Tilson small capital friend Jeffrey Eberwein x Soros and Viking PM now CEO/COB of Hudson Global $HSON. See ​Jeffrey Eberwein Form 4s at $HSON and his Form 4s via his fund Lone Star Value Mgt at NOVC aka NOVCQ April – Oct 2015. LSVM bought 30k NOVCQ common every day for 6 months​ at the same cost basis at Igdaloff and Amster.

The property involved in the transaction is a 345,000-square-foot life science development located at 22 Drydock Avenue in Boston, MA. The asset, known as Innovation Square Phase III, has secured a mortgage of $280,000,000 from Santander Bank. The landlord of this property is Bruce A. Beal from Related Beal.

Summary of transaction details:

• Property Type: Life Science
• Transaction Amount: $280,000,000
• Address: 22 Drydock Avenue
• Market: Boston, MA
• Lender: Santander Bank
• Landlord: Bruce A. Beal - Related Beal

Related Beal, the landlord of the property, successfully secured financing for Innovation Square Phase III in Boston's Seaport with the assistance of a $280 million mortgage from Santander Bank. Noteworthy, this development adds to the vibrant life science landscape in the area, further solidifying its position as a hub for innovation and research.
Learn More: Related Beal Secures $280M Loan For Innovation Square Phase III In Boston

Hi there! My husband, 2 large dogs (80 pounds & 100 pounds), our cat, and I are looking into moving out of the USA to either Scotland, Ireland, or Germany. We visited Northern Ireland in January 2024 and loved it even though that storm was brutal. My husband is currently in school to get his bachelor's in computer science with a certificate in cybersecurity. He has 2-3 years left before he completes the degree (part time student, year round school) and we are looking into moving out of the US. Here are my questions:
1) Once he has his degree and certificate, how hard would it be to move out?
2) Is the tech field super saturated/hard to find a job in the industry?
3) We currently own a home here in the US and were hoping to sell it to use the funds to purchase a home out there. How difficult is it to purchase a home when you're an expat?
4) What visas should we look into for planning to move within the next 5 years?
5) Are there people out there who provide services to help people like us move out of the US?
I work remotely full time at a local credit union doing quality control and have 6 years of experience in the financial industry (2 years as a teller, 3 years as a mortgage processor, 1 year quality control specialist, all for the same company) My husband currently works for a different credit union while he is going to school part time. He has 3 years experience in the financial industry (2.5 years as a teller, 0.5 years as an account specialist all with the same company). His plan is to continue working with the credit union until he completes his degree.
TLDR: Married couple with 2 large dogs and 1 cat are looking to move out of the US to Scotland, Ireland, or Germany within the next 5 years. Both of us have experience in the finance industry and my husband is getting a bachelor's degree in computer science.
Thank you so much for your time! We really appreciate it!

Has anyone here completed an additional dwelling unit installation on their property? I am interested in adding an energy efficient 200-400 square foot home to my property for my retired veteran father. I don’t think I have enough equity to finance with a home equity loan or HELOC. I hope I’m wrong but I think a construction loan would require me to refinance the whole property upon project completion, which would result in a lot higher interest rate on my primary mortgage. We can afford an additional $500-600 in monthly payments and have about $10K saved we just really don’t want to lose our low interest rate on the bulk of the home loan(s).
I’m also feeling a little overwhelmed by options and not really knowing a good general contractor and/or home builder. Does anyone have any recommendations?
Has anyone been in a similar situation? What financing options were available? Any advice would be greatly appreciated! Thank you.

If you’re willing to share how many days per week you’re signed up for, that would be helpful too!
We aren’t expecting yet, but are 32 and trying to run the numbers on if/when we could realistically handle the finances of having a kid (no way we can afford 2 with our mortgage).
We’re in a HOCL area in the US, so I know the answers are going to vary widely. But I’d still love some perspective!
Also, if we’re not planning on kids for at least 3 years from now, is it worth it for me to try and visit/establish interest at daycares now (or pre-child in general)?

I'm sharing my friend's story on here because they're very scared about how their estranged spouse's financial irresponsibility will affect their future, and they can't afford to see a lawyer for a consultation to answer their questions. I'm desperate for any legal advice on their behalf about how they can navigate they divorce with minimal damage. Any and all advice is very much appreciated. Here's their summary of the situation:
In 2016, my now-estranged spouse and I got married. We live in Texas.
For the entirety of our marriage, I made more money than he did. We agreed from the beginning of our relationship that he would be in control of finances, so I had very limited insight into our spending. To this day, I have never seen our mortgage.
We had a joint checking and savings accounts as well as our own checking accounts. Our income deposited in our joint account, and we paid our bills out of there. We deposited the same small amount every month into individual checking accounts, so we each had our own spending money.
In 2018, he tried to start a business and put all the costs on his personal credit card in his own name and a business card.
In 2019, we bought a house together.
In 2020, he gave up on this business. He told me he had racked up a lot of debt on credit cards from the failed business, and he hadn't paid it off. Collections started contacting us. I encouraged him to call the credit card company and figure out a payment plan, but he didn't.
In 2022, he told me one day he was filing for Chapter 13 bankruptcy. He visited the lawyer without my consent. He informed me after the fact. Shortly after this, he got into a car accident and because he didn't have car insurance or health insurance, he was responsible for the bills.
What (to my best understanding) was included in bankruptcy

• his personal credit card
• his business credit card that we were both on
• his bills from car accident
• mortgage for our house
• our HOA balance

The bankruptcy payments factored in both of our incomes.
In 2023, I started a side business and filed an LLC. It's in my name, so it has not been included in the bankruptcy.
We have not filed for divorce yet, but we live apart, our relationship is over, and my estranged husband has expressed his intention to file.
Here are my questions:

• How will our divorce affect mortgage payments in light of his bankruptcy filing?
• Will I be responsible for his debts after the divorce?
• If he changes his bankruptcy to Chapter 7, will I lose the house?

I'm sharing my friend's story on here because they're very scared about how their estranged spouse's financial irresponsibility will affect their future, and they can't afford to see a lawyer for a consultation to answer their questions. I'm desperate for any legal advice on their behalf about how they can navigate they divorce with minimal damage. Any and all advice is very much appreciated. Here's their summary of the situation:
In 2016, my now-estranged spouse and I got married. We live in Texas.
For the entirety of our marriage, I made more money than he did. We agreed from the beginning of our relationship that he would be in control of finances, so I had very limited insight into our spending. To this day, I have never seen our mortgage.
We had a joint checking and savings accounts as well as our own checking accounts. Our income deposited in our joint account, and we paid our bills out of there. We deposited the same small amount every month into individual checking accounts, so we each had our own spending money.
In 2018, he tried to start a business and put all the costs on his personal credit card in his own name and a business card.
In 2019, we bought a house together.
In 2020, he gave up on this business. He told me he had racked up a lot of debt on credit cards from the failed business, and he hadn't paid it off. Collections started contacting us. I encouraged him to call the credit card company and figure out a payment plan, but he didn't.
In 2022, he told me one day he was filing for Chapter 13 bankruptcy. He visited the lawyer without my consent. He informed me after the fact. Shortly after this, he got into a car accident and because he didn't have car insurance or health insurance, he was responsible for the bills.
What (to my best understanding) was included in bankruptcy

• his personal credit card
• his business credit card that we were both on
• his bills from car accident
• mortgage for our house
• our HOA balance

The bankruptcy payments factored in both of our incomes.
In 2023, I started a side business and filed an LLC. It's in my name, so it has not been included in the bankruptcy.
We have not filed for divorce yet, but we live apart, our relationship is over, and my estranged husband has expressed his intention to file.
Here are my questions:

• How will our divorce affect mortgage payments in light of his bankruptcy filing?
• Will I be responsible for his debts after the divorce?
• If he changes his bankruptcy to Chapter 7, will I lose the house?

I'm sharing my friend's story on here because they're very scared about how their estranged spouse's financial irresponsibility will affect their future, and they can't afford to see a lawyer for a consultation to answer their questions. I'm desperate for any legal advice on their behalf about how they can navigate they divorce with minimal damage. Any and all advice is very much appreciated. Here's their summary of the situation:
In 2016, my now-estranged spouse and I got married. We live in Texas.
For the entirety of our marriage, I made more money than he did. We agreed from the beginning of our relationship that he would be in control of finances, so I had very limited insight into our spending. To this day, I have never seen our mortgage.
We had a joint checking and savings accounts as well as our own checking accounts. Our income deposited in our joint account, and we paid our bills out of there. We deposited the same small amount every month into individual checking accounts, so we each had our own spending money.
In 2018, he tried to start a business and put all the costs on his personal credit card in his own name and a business card.
In 2019, we bought a house together.
In 2020, he gave up on this business. He told me he had racked up a lot of debt on credit cards from the failed business, and he hadn't paid it off. Collections started contacting us. I encouraged him to call the credit card company and figure out a payment plan, but he didn't.
In 2022, he told me one day he was filing for Chapter 13 bankruptcy. He visited the lawyer without my consent. He informed me after the fact. Shortly after this, he got into a car accident and because he didn't have car insurance or health insurance, he was responsible for the bills.
What (to my best understanding) was included in bankruptcy

• his personal credit card
• his business credit card that we were both on
• his bills from car accident
• mortgage for our house
• our HOA balance

The bankruptcy payments factored in both of our incomes.
In 2023, I started a side business and filed an LLC. It's in my name, so it has not been included in the bankruptcy.
We have not filed for divorce yet, but we live apart, our relationship is over, and my estranged husband has expressed his intention to file.
Here are my questions:

• How will our divorce affect mortgage payments in light of his bankruptcy filing?
  
• Will I be responsible for his debts after the divorce?
  
• If he changes his bankruptcy to Chapter 7, will I lose the house?
  

The industrial property located at 185 Van Dyke Street in Red Hook, Brooklyn spans 325,624 square feet and boasts a significant size of 111,265 square feet. The property, owned by Lande Alexander Properties Inc, under the management of Lande Alexander & Brian Robbins, recently underwent a refinancing transaction valued at $7,500,000 with Patriot Bank, facilitated by Tommy Tran.

Summary of transaction details:

• Property Type: Industrial
• Transaction Amount: $7,500,000
• Address: 185 Van Dyke Street
• Market: Red Hook, Brooklyn
• Asset Type: Industrial
• BSF: 325,624 SF

Patriot Bank, represented by Tommy Tran, provided the refinancing loan for this industrial property. The landlords of the property, Lande Alexander & Brian Robbins, executed the deal with the assistance of their company, Lande Alexander Properties Inc.
Learn More: Patriot Bank Finances $7.5M Refinance On Industrial Property In Red Hook

Anyone know more about this? Seems like the company was used to loan some money to Kim for her new home. It’s registered in Michigan ofc. Can’t find much else about it. Is Em getting into the gaming industry? Anyone else seen or heard this before? Admittedly the first I’ve heard of it.
Edit: I think people are misunderstanding this topic of discussion. I’m not asking about Kim, or finances, anything like that. I stumbled across it and was curious what Shady Games Inc was all about. Not Shady Inc. Not Shady Records. Shady Games Inc. The Kim stuff is just the context of how I found out about it in a article,

Ok here are the facts:

• Combined income about $220,000 before taxes (live in an income tax state)
• Current rent $1,200 very small (700 sq ft) (we have been living here for a long time) big city with expensive rent same apartment would be about $2,000 right now
• Savings/emergency fund: $90,000
• Debt $95,000 (student loans no other debt)
• Retirement M (late 20s) $13,000 F(early 30s) $12,000

We would really like to buy a condo in the same area we live in. We are not open to relocating. We really like the area. However, owing a house it is out of the question for us right now due to prices. We cannot afford it, but we want to have our own little place. Condos/apartment like the one we would like (2 bedroom, parking, etc nothing fancy by the way) are at about 500,000 which would make the mortgage at about 4,000 with 20% down. We do not have the full amount yet of course, so we would have to stay living in this apartment for at least a year or two more.
We could rent the apartment we want for $2,700 and be comfortable and expand our family which we are really looking forward to or we continue to delay and stay in our apartment for 1-2 more years. However, once we get the place, it would make it harder to overpay on the students loans.
If we rent, we would lose gaining equity on a property by continuing to rent.
and when a child comes into the picture finances will be a little tighter due to maternity leave etc.

Bitcoin

• Fiach_Dubh

"I See Bitcoin" Commencement Speech at Ohio State University Gets Boo'd By Fiat Debt Slaves
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• purduecasket

Anyone notice the difference between now and 2021-22?
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• ImaginaryMarsupial38

Meanwhile at a coffee shop in Vancouver, Canada
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ethereum

• bartigator

Security Question L1/L2s
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• frosty_xx

buying multiple assets at once
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Doug Petkanics & Eric Tang: open video infrastructure
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CryptoCurrency

• kirtash93

Tom Brady Roasted For Cryptocurrency Investment In Netflix Special: 'Tom, How Did You Fall For That? Even Gronk Was Like—Me Know That's Not Real Money'
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• Thin_Top_1573

*Can we sue the SEC? Like, a lot of us. Not a class action. *
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• rizzobitcoin

Warren Buffett and Bill Gates debating Bitcoin and blockchain, exactly 10 years ago. Buffett called it "rat poison." Gates said it was a "tour de force."
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btc

• SympathyTurbulent160

Bitcoin hits 1 billion transactions
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Here's Everything That Happened On Our Bitcoin Cash Challenge (George Gammon)
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• Mr-Zwets

"Bitcoin Cash Prepares Adaptive Blocksize Limit Upgrade, Commits to Network Scaling" -Bitcoin.com News
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SatoshiStreetBets

• superdude32

$SEAT is officially verified and is now on the Jupiter strict list. Join us!
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• boathouse_floats

KENDU is making Millionaires - ATH now $18.5M and major influencers! All Organic!
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• YouKhanSeeMe

UPDATE – My $KENDU Retirement Plan
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CryptoMarkets

• SeparateReporter6625

Are memecoins fully dependent on Bitcoin?
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• Ok_Cranberry_9653

Should we be worried about Solana memecoins?
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• SJW_Shadow_Monarch

*Is Elon Musk To Be Blamed? *
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CryptoCurrencies

• AutoModerator

Weekly General Discussion - May 06, 2024
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CoinBase

• SJW_Shadow_Monarch

*Base Chain: A New Frontier for Memecoins? *
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• Blackmags17

Too broke to be scammed lmao?
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• Ancient_Orchid5540

Account still disabled. It’s been over 2 months, no reply back from the Compliance Team.
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binance

• AutoModerator

Binance Support Thread
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FantomFoundation

• ZaaOurobous

Is this the same as the native fantom token
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solana

• Impressive-Buyer-333

How would you diversify?
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• Opposite-Value-2460

My personal strategy for pump.fun
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• SJW_Shadow_Monarch

Is Elon Musk To Be Blamed?
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cosmosnetwork

• emlanis

The Secret Network ecosystem is vibrant and dynamic SCRT is available for trading across 24+ platforms From leading CEXes like Binance, ByBit, Huobi, and Kraken to innovative DEXes such as ShadeSwap and Osmosis
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• CaptainJimmy_

Mande Airdrop
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Cosmos Network Advances Liquidity and Efficiency with the Successful Passage of Proposal
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algorand

• CWOOTA

Crypto Software Company running on Algorand going public on stock market 💯💪
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Proof of Exclusion: A Smart Contract Bloom Filter
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Exodus Movement, Inc. Announces Uplist to NYSE American Exchange - Exodus tokenized their shares on Algorand
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cardano

• ArmyofSpies

Cardano & Them Gov't Boys
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Today is Identity Day in 🎢 Gimbalabs Playground🎡!
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Dedalus not restoring old cardano funds
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Monero

• P0larbear2019

I'm trying to update Monero and I have to do it manually and I'm having problems verifying the hash file as it's showing me a SHA1 not SHA256 or w/e.
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A feature idea for monero GUI to encourage nodes
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NFT

• Putrid-Accountant64

Best recommendation for good API endpoints that are fast and reliable for fetching NFT data?
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Come check out solchan, where you can shitpost while repping your NFT.
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Basepainbt: "place like" platform, in which everyday people vote for a theme and them artists have 24 hours to create a new collaborative canvas based on a pre-define color pallete
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I have a building that I could sell in a sale leaseback for $10MM, and then rent it back from the new owner, or I could go an get financing on the building today since it is unencumbered. How do I compare the costs of each option? Even tho a sale leaseback is a sale, it is more like a highly levered loan, right? Because instead of financing the asset at a 60% of value, I sell it for 100% of value, but the owner has to get their return based ono that $10MM which I pay via a rent payment. Is there a way to compare which option would be best for me? I am excluding the differences with ownership vs renting, just want to compare the interest rate I would pay vs the potential rent I would pay, assuming I would get a 30 year mortgage and a 30 year lease term for both.
Any help would be appreciated.

Greene Concepts and Tocca Life Holdings Join Forces Within $4.5 Trillion U.S. Healthcare Industry to Increase Vitality Nationwide
Marion, North Carolina--(Newsfile Corp. - May 7, 2024) - Greene Concepts Inc. (OTC PINK: INKW) and Tocca Life Holdings, Inc. (OTC PINK: TLIF) ("Tocca Life") to include Tocca Life Holding's subsidiaries, Be Climbing Inc. and Aiguille Rock Climbing Center, are pleased to announce a partnership to increase opportunities for health and wellness along with mental and physical clarity within the $4.5 trillion U.S. healthcare industry. This harmonious and symbiotic relationship promotes consumer marketing and branding within both companies with the U.S. being one of the world's fastest growing and highest revenue generating fitness markets in the industry.
Both companies focus on improved well-being for their customers. For Tocca Life, the focus on rock climbing and fitness holds numerous advantages. This includes cardiorespiratory fitness, strength building, brain power, mental health, and confidence according to a February 16, 2023 Time Magazine article. For Greene Concepts, its BE WATER™ brand provides a convenient, values-oriented solution to encourage water consumption and benefits for the body to include joint lubrication, oxygen delivery throughout the body, and mineral/nutrient accessibility.
Stephen Carnes, President and CEO of Tocca Life Holdings, highlights, "Be Climbing will become a centerpiece attraction in the greatest vacation destination in the world, Orlando, Florida. As we prepare to open our new state of the art 30,000 square foot indoor climbing center covering a 7-acre landscape (the largest in the state of Florida), we currently operate a 10,000 square foot facility, the Aiguille Rock Climbing Center, Orlando's only full-service indoor climbing facility. We experience and project incredible company growth and our status is justified by the current number of climbing gyms in the U.S. (622) which has grown by 76% since 2014 with the U.S. climbing market experiencing tremendous revenue generation. The indoor rock climbing industry is exploding with growth after the sport made its first debut in the 2020 Tokyo Olympic Games, which took place in 2021 due to the pandemic. Rock Climbing has now been officially added as an Olympic sport and will be part of the program in both the upcoming Paris 2024 and Los Angeles 2028 Olympic Games. The Olympic presence along with increased national and international participation and spending for the sport are expected to surge industry revenues for years to come."
Mr. Carnes continues, "Greene Concepts' BE WATER artesian spring water brand is the new sponsor for Aiguille's monthly newsletter and will be prominently featured in our May issue as a premier hydration solution for Aiguille and Be Climbing. This connection builds a larger platform for both Greene Concepts and Tocca Life Holdings. BE WATER is also the new official beverage of Be Climbing. My plan is to expand our number of climbing gyms nationally, making rock climbing accessible and enjoyable for everyone. While Be Climbing grows because of increased interest in rock climbing both nationally and internationally, BE WATER will continue to grow with its recent award to sell BE WATER at Walmart's brick and mortar stores. A rise in the tide lifts all boats and both Tocca Life and Greene Concepts will profit from each other's growth and health provisions to our customer base."
Lenny Greene, President and CEO of Greene Concepts, states, "I am incredibly proud to be connected with Tocca Life Holdings and its focus on health and wellness in the Florida area. Being associated with Tocca Life, our BE WATER brand will reach new consumers that prioritize healthier beverage choices along with convenience. The U.S. bottled water market was $44.6 billion in 2023 while remaining the country's most popular beverage. Our water is sourced in the U.S. at our Marion, North Carolina bottling plant and the positive values listed on our label (Be Generous, Be Kind, Be Strong, Be Good, Be Courageous, Be Aware, and Be Patient) invoke vitality, strength, mindfulness, and self-actualization. As we rollout to Walmart, our growth will continue and complement our long-term connection with Be Climbing as a valued and strategic partner."
The global climbing gym market was valued at $2.91 billion in 2023 and anticipated to grow at a compound annual growth rate (CAGR) of 11.4% between 2023 - 2031 and expected to reach $6.9 billion by 2031 according to Transparency Market Research.
The global bottled water market size was estimated at $303.95 billion in 2022 and expected to grow at a CAGR of 5.9% from 2023 - 2030 according to Grand View Research.
https://finance.yahoo.com/news/greene-concepts-tocca-life-holdings-140800932.html
​

Upfront disclaimer: this isn’t a huge deal because 1) my score is fine and 2) I won’t be seeking additional credit or loans for a good amount of time so it has time to recover.
This past year I’ve gotten into the travel credit card rewards game, and have had some great success with financing trips by primarily using points. I have had the Chase Sapphire Reserve for one year. I also have a Discover $0 annual fee card that I’ve had for 10 years that pulls a lot of weight for my credit history.
This week I applied for the Capital One Venture travel card to get their travel bonus, they gave me a credit line of $50,000 taking my total line of revolving credit to $115,000. I keep my utilization at basically zero because I pay everything off in full every month.
But, after applying for the card, my credit score dropped from 796 to 765. On Chase’s “My Credit Journey”, it looks like they have recognized the credit check but not yet the increase in credit limit or additional account to my credit mix. Credit checks in the last two years are now 3 (still in the “safe” range), I have no late payments, and a good mix of accounts (open credit, student loans, mortgage).
All of this to ask: is this a pretty standard drop? How long does it usually take to recover? I listen to a lot of travel podcasts of people who have 10+ cards and over 800 credit scores, so I’m hopeful that it will rebound quickly. Not because I’m taking a loan out any time soon, but because I was so so close to an 800 score and my competitive self wants to get it back!

Hey guys, I have just come through a period of serious financial difficulty which absolutely obliterated my credit score. I have since recovered financially, now in full time employment and am entirely debt free and own a house without a mortgage.
In an effort to increase my credit score, I have began using an interest-free credit card with Monzo. I keep it constantly maxed out and always repay it on time.
I sometimes go into my arranged overdraft by accident (just simply because I haven't moved the money from one account to another) and this racks up a bill of about £0.10 per month.
Every single direct debit I have comes out on time, and I have not missed a payment since I fixed my finances (around August 2023), yet my credit score has decreased by ~150 points since December 2023.
I have never been financially stable, let alone THIS financially stable, and my credit score has never been worse, and never been getting so continuously worse.
This bullshit literally makes me want to give up on life. I have gone through so much and done EVERYTHING to get to where I am now, but some fucking stupid words on a computer say I'm not financially reliable.
Can anyone think of a possible reason why the banks are winning and successfully enslaving me for the rest of my life?
EDIT: I have SEVERE ADHD and this makes managing my finances extremely difficult, but it also makes learning about them extremely difficult. I feel as if the current system of teaching people about their finances is not fit for purpose, and impossible for an ADHD person to learn, so please if you are trying to explain something to me, don't send me a link to a 72 page document and just say 'read this' because that is the level of advice I have been getting and it is as useful to me as a chocolate fireguard. I cannot sit and read a 72 page document to answer one question, and even if I could, I would not understand at least 99.999999% of it.