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I'm just fed up with all this (moving back home as a disabled person)
2023.05.28 06:19 NJ-Khoury I'm just fed up with all this (moving back home as a disabled person)
TW is for mentions of abuse and sexual assault, no intense descriptions.
I spent my 20s bouncing around living situations because my mom died without warning right before my High School graduation. We grew up dirt poor and I found out a few years ago that she was months behind on rent too, but the house was owned by my grandparents or else we would have been homeless.
A little over a decade later, I found out that a cousin had been pulling the strings behind the scenes and manipulated my grandfather to change over his will. I didn't find out about this until everything was all said and done. My college fund was taken as well, since it was in my mom and grandmother's name, so he got control of it. My cousin even got the house I was told in my teens that I would likely inherit.
The ONLY thing that didn't get stolen through elder abuse was an irrevocable trust set up in the early 90s by my grandparents. I'm the beneficary, and a certified financial planner who has been a friend of the family since the 80s is the trustee. Basically, I can't get money out of it on my own, I have to go through her and she's legally obligated to act in my best interests. Apparently, there was SOME money my cousin didn't know about that went into the trust per my grandmother's will. However, I'm no "trust fund baby". I can't go out and buy luxury items let alone rely on the Trust to pay all my living expenses for the rest of my life.
Here's another wonderful kicker: I'm disabled physically and mentally. Autism spectrum, PTSD, generalized anxiety and major depression (likely related to the trauma and distress over the years). I was born with stickler Syndrome, which is a degenerative connective tissue disorder. Marfan and Ehlers Danlos are more well-known but fall under the same general umbrella, but Stickler is basically that your body doesn't produce collagen correctly, leading to bone, heart, vision, and hearing problems varying in degree from person to person.
I already have severe enough joint problems that physical therapy can't fix. I have fissures, cysts, and completely worn down cartilage and I'm only in my early 30's. I can't walk or stand for more than 20 minutes without severe pain and risk of falls, and I'm not supposed to use stairs frequently. Even sitting for more than 4hrs a day with breaks causes pain.
I've also been having neurological issues including 24+hr headaches and week+ long vertigo that seems to crop up randomly (even today, I was staring right at my laptop screen when I suddenly felt like I was drunk for no reason) and am awaiting an appointment for imaging tests and possibly Multiple Sclerosis testing. All of these things- diagnosed and not yet diagnosed combined, primary care doctors and therapists have agreed that I should be on social security and shouldn't exacerbate some of my conditions by continuing to work (unless I can find something that's fully accommodating).
I grew up in PA but bounced all around during my housing instability. The year before Covid, I was put back into housing instability when my housemate could no longer afford her inherited home and had to sell, so I had to leave the first stable and SAFE home I'd had in almost a decade, and my accommodating job as a result. I struggled to find that stability again, and while Covid was the first time I felt like I wasn't under pressure to find that stability immediately (I was living with a friend) it did fuck up my chances of finding employment once things started opening up again. My friend wanted his rec room back and told me I needed to move out (something he says he now regrets doing, but I understand). My only option was to move with an online friend in CA.
That went spectacularly, by which I mean he turned out to be incredibly histrionic and unstable and almost rendered me homeless. Other online friends helped shack me up in a motel and then let me couch crash for a bit. I ended up losing half my stuff including things from my mom and all my art from the past decade, because he kept changing the goalposts on how and when I could come get my stuff, and technically I was living with him off his lease, and didn't want to render him and his 7yo homeless by trying to take legal action.
My partner is one of his former best friends. Former because he's completed disgusted by what was done to me, and has heard a lot of flat-out lies from this person as to what happened. Shit like saying "multiple therapists warned me about him" to make me look like a terrible person, when 1. He only had 1 therapist and she moved out of network 2 months before this went down so he had none. 2. Feeding a patient's negative thoughts about someone based on hearsay and conjecture is a MASSIVE liability and something any therapist worth their salt knows not to do.
I was working night audit at a small hotel from February of last year until December, when I was immediately pulled and put on state disability by my primary care doctor after a fall while I was alone at work. California's state disability aid is based off taxed income, so there's a limit to how long you can use it. Mine runs out July 1st and after that I have no income and can't work. In CALIFORNIA. A lot of our homeless are disabled because it's so impossible to live in this state if you can't work full time.
I will be applying for SSI, but up until last February, I had NO medical records due to not being able to afford health insurance or stay in one place long enough for appointments. I had my PTSD and depression diagnosis, but not even records of my Stickler birth defect. You need ample documentation to apply for Social Security, and with a rare birth defect and specialists often having to be scheduled months in advance, that's not quick and easy task. I'll FINALLY be applying late this summer.
I acknowledge I'm WAY luckier than most people in my situation, because of the Trust, but that's where my current hurdles are. Like I said, I can't just pull from it willy-nilly, which I'm grateful for in some ways as panic-spending might have depleted me a while ago.
Back in April, the Trustee said that I could get a mobile home in a park back home in east PA, up to 75k$ budget. There are homes in that range, but I also have to keep in mind location and lot rent. With SSI being 914$ federally (PA has no state supplement), obviously I can't go for a park with a 800+ lot rent even with assistance programs like SNAP and LIHEAP. PA isn't a rent capped state thanks to a lot of legislators owning rental properties, so landlords can legally increase rent by a hundred per year (and they have). Ever since the housing crisis, mobile home parks have become the affordable option, and some parks have been bought up by corporations who are trying to price out Social Security recipients so they can get more money from people trying to get out of apartment living but who can afford lot rents closer to apartment rent costs.
Today, my top choice home got scooped up, and the Trustee is saying that she would rather I move back and rent so I can go see the mobile homes in person rather than relying on a local friend to do the tour with me on video call. Which, yes, I agree, except...
How the fuck am I supposed to do that when no apartment- independently or company owned- will rent to me when I am not employed and my only source of income is an irrevocable Trust? My credit score is 684 and climbing, I have no debt history, my current housemates can vouch for me in terms of cleanliness, respect, and always paying rent in advance. Even with all that, landlords want things like last two pay stubs, proof of 2-3x rent in stable income, or someone else who has those things to be on the lease with me.
Room rentals? Also borderline impossible. It took me almost half a year to find my current room rental. I have a cat with an ESA letter, but that doesn't allow me past no pets policies in most room rentals. I also got ghosted more than half a dozen times when I was talking with someone about a rental and then informed them I'm transgender, which could be anything, but I'm willing to wager more often than not it was discriminatory. My physical disability also means I can't get anything that requires frequent stair use, like a basement or upper level room rental, or one of the many split-level historic homes that have been converted into the only low-income apartments in the area. There's even apartment buildings so old they don't legally need to have elevators.
Section 811 exists for disabled folks, but county and city housing agency I contacted either doesn't have it, or it requires you to already be in crisis and unhoused. Senior centers can accept up to 20% resident population that's non-elderly but disabled, but either have NYC luxury apartment prices because of the amenities, or a huge buy-in.
I'm just so. Utterly fucking exhausted.
I spent most of my formative adult years just trying to get stability, while spending my formative childhood years in deep poverty with a mother whose mental health was deeply impacted by a stroke she suffered when I was 16 who laid her hands on my throat once, would alternate between being a loving "hip" mom and screaming at me over mundane bullshit, and would constantly tell me that she could have another stroke and die if I upset her. In my housing instability, I've been sexually assaulted, verbally harassed, or just lived with couples who were constantly fighting.
I want a stable and safe home where I'm not at risk of having to move within ten years. Housing in general is ridiculous, but it's like for us disabled folks, unless we have family or a spouse to live with? Not even the housing options meant to keep us from ending up homeless are available.
I already have my plane ticket (fully refundable) back home for September 9th since I had to book early to get a good deal and lock in my cat's registration for the flight.
I'm just worried that even though I have an opportunity a lot of struggling people don't, I won't even be able to get anything.
If I'm being forced to find a rental, it would be a miracle if I find something in time that won't turn me away for having a cat, relying on Trust for income, being queer, or being unable to use stairs.
I don't want to settle for a mobile home, but likewise, I honestly just want safety and stability. I don't care if it's fucking grandma floral wallpaper and 70's bicolour shag carpet everywhere. It's mine, and the Social security administration is going to force me to spend before I hit 2k$ in assets anyway, may as well throw an entire Lowe's at it.
I know this is a lot, and I honestly don't expect anyone to read it, but I'm so fucking tired and I just want stability before I die (of old age or health, since I guess I'm genetically per-disposed to breast cancer and strokes on top of the rest of all this shit).
submitted by NJ-Khoury to Vent [link] [comments]
I spent my 20s bouncing around living situations because my mom died without warning right before my High School graduation. We grew up dirt poor and I found out a few years ago that she was months behind on rent too, but the house was owned by my grandparents or else we would have been homeless.
A little over a decade later, I found out that a cousin had been pulling the strings behind the scenes and manipulated my grandfather to change over his will. I didn't find out about this until everything was all said and done. My college fund was taken as well, since it was in my mom and grandmother's name, so he got control of it. My cousin even got the house I was told in my teens that I would likely inherit.
The ONLY thing that didn't get stolen through elder abuse was an irrevocable trust set up in the early 90s by my grandparents. I'm the beneficary, and a certified financial planner who has been a friend of the family since the 80s is the trustee. Basically, I can't get money out of it on my own, I have to go through her and she's legally obligated to act in my best interests. Apparently, there was SOME money my cousin didn't know about that went into the trust per my grandmother's will. However, I'm no "trust fund baby". I can't go out and buy luxury items let alone rely on the Trust to pay all my living expenses for the rest of my life.
Here's another wonderful kicker: I'm disabled physically and mentally. Autism spectrum, PTSD, generalized anxiety and major depression (likely related to the trauma and distress over the years). I was born with stickler Syndrome, which is a degenerative connective tissue disorder. Marfan and Ehlers Danlos are more well-known but fall under the same general umbrella, but Stickler is basically that your body doesn't produce collagen correctly, leading to bone, heart, vision, and hearing problems varying in degree from person to person.
I already have severe enough joint problems that physical therapy can't fix. I have fissures, cysts, and completely worn down cartilage and I'm only in my early 30's. I can't walk or stand for more than 20 minutes without severe pain and risk of falls, and I'm not supposed to use stairs frequently. Even sitting for more than 4hrs a day with breaks causes pain.
I've also been having neurological issues including 24+hr headaches and week+ long vertigo that seems to crop up randomly (even today, I was staring right at my laptop screen when I suddenly felt like I was drunk for no reason) and am awaiting an appointment for imaging tests and possibly Multiple Sclerosis testing. All of these things- diagnosed and not yet diagnosed combined, primary care doctors and therapists have agreed that I should be on social security and shouldn't exacerbate some of my conditions by continuing to work (unless I can find something that's fully accommodating).
I grew up in PA but bounced all around during my housing instability. The year before Covid, I was put back into housing instability when my housemate could no longer afford her inherited home and had to sell, so I had to leave the first stable and SAFE home I'd had in almost a decade, and my accommodating job as a result. I struggled to find that stability again, and while Covid was the first time I felt like I wasn't under pressure to find that stability immediately (I was living with a friend) it did fuck up my chances of finding employment once things started opening up again. My friend wanted his rec room back and told me I needed to move out (something he says he now regrets doing, but I understand). My only option was to move with an online friend in CA.
That went spectacularly, by which I mean he turned out to be incredibly histrionic and unstable and almost rendered me homeless. Other online friends helped shack me up in a motel and then let me couch crash for a bit. I ended up losing half my stuff including things from my mom and all my art from the past decade, because he kept changing the goalposts on how and when I could come get my stuff, and technically I was living with him off his lease, and didn't want to render him and his 7yo homeless by trying to take legal action.
My partner is one of his former best friends. Former because he's completed disgusted by what was done to me, and has heard a lot of flat-out lies from this person as to what happened. Shit like saying "multiple therapists warned me about him" to make me look like a terrible person, when 1. He only had 1 therapist and she moved out of network 2 months before this went down so he had none. 2. Feeding a patient's negative thoughts about someone based on hearsay and conjecture is a MASSIVE liability and something any therapist worth their salt knows not to do.
I was working night audit at a small hotel from February of last year until December, when I was immediately pulled and put on state disability by my primary care doctor after a fall while I was alone at work. California's state disability aid is based off taxed income, so there's a limit to how long you can use it. Mine runs out July 1st and after that I have no income and can't work. In CALIFORNIA. A lot of our homeless are disabled because it's so impossible to live in this state if you can't work full time.
I will be applying for SSI, but up until last February, I had NO medical records due to not being able to afford health insurance or stay in one place long enough for appointments. I had my PTSD and depression diagnosis, but not even records of my Stickler birth defect. You need ample documentation to apply for Social Security, and with a rare birth defect and specialists often having to be scheduled months in advance, that's not quick and easy task. I'll FINALLY be applying late this summer.
I acknowledge I'm WAY luckier than most people in my situation, because of the Trust, but that's where my current hurdles are. Like I said, I can't just pull from it willy-nilly, which I'm grateful for in some ways as panic-spending might have depleted me a while ago.
Back in April, the Trustee said that I could get a mobile home in a park back home in east PA, up to 75k$ budget. There are homes in that range, but I also have to keep in mind location and lot rent. With SSI being 914$ federally (PA has no state supplement), obviously I can't go for a park with a 800+ lot rent even with assistance programs like SNAP and LIHEAP. PA isn't a rent capped state thanks to a lot of legislators owning rental properties, so landlords can legally increase rent by a hundred per year (and they have). Ever since the housing crisis, mobile home parks have become the affordable option, and some parks have been bought up by corporations who are trying to price out Social Security recipients so they can get more money from people trying to get out of apartment living but who can afford lot rents closer to apartment rent costs.
Today, my top choice home got scooped up, and the Trustee is saying that she would rather I move back and rent so I can go see the mobile homes in person rather than relying on a local friend to do the tour with me on video call. Which, yes, I agree, except...
How the fuck am I supposed to do that when no apartment- independently or company owned- will rent to me when I am not employed and my only source of income is an irrevocable Trust? My credit score is 684 and climbing, I have no debt history, my current housemates can vouch for me in terms of cleanliness, respect, and always paying rent in advance. Even with all that, landlords want things like last two pay stubs, proof of 2-3x rent in stable income, or someone else who has those things to be on the lease with me.
Room rentals? Also borderline impossible. It took me almost half a year to find my current room rental. I have a cat with an ESA letter, but that doesn't allow me past no pets policies in most room rentals. I also got ghosted more than half a dozen times when I was talking with someone about a rental and then informed them I'm transgender, which could be anything, but I'm willing to wager more often than not it was discriminatory. My physical disability also means I can't get anything that requires frequent stair use, like a basement or upper level room rental, or one of the many split-level historic homes that have been converted into the only low-income apartments in the area. There's even apartment buildings so old they don't legally need to have elevators.
Section 811 exists for disabled folks, but county and city housing agency I contacted either doesn't have it, or it requires you to already be in crisis and unhoused. Senior centers can accept up to 20% resident population that's non-elderly but disabled, but either have NYC luxury apartment prices because of the amenities, or a huge buy-in.
I'm just so. Utterly fucking exhausted.
I spent most of my formative adult years just trying to get stability, while spending my formative childhood years in deep poverty with a mother whose mental health was deeply impacted by a stroke she suffered when I was 16 who laid her hands on my throat once, would alternate between being a loving "hip" mom and screaming at me over mundane bullshit, and would constantly tell me that she could have another stroke and die if I upset her. In my housing instability, I've been sexually assaulted, verbally harassed, or just lived with couples who were constantly fighting.
I want a stable and safe home where I'm not at risk of having to move within ten years. Housing in general is ridiculous, but it's like for us disabled folks, unless we have family or a spouse to live with? Not even the housing options meant to keep us from ending up homeless are available.
I already have my plane ticket (fully refundable) back home for September 9th since I had to book early to get a good deal and lock in my cat's registration for the flight.
I'm just worried that even though I have an opportunity a lot of struggling people don't, I won't even be able to get anything.
If I'm being forced to find a rental, it would be a miracle if I find something in time that won't turn me away for having a cat, relying on Trust for income, being queer, or being unable to use stairs.
I don't want to settle for a mobile home, but likewise, I honestly just want safety and stability. I don't care if it's fucking grandma floral wallpaper and 70's bicolour shag carpet everywhere. It's mine, and the Social security administration is going to force me to spend before I hit 2k$ in assets anyway, may as well throw an entire Lowe's at it.
I know this is a lot, and I honestly don't expect anyone to read it, but I'm so fucking tired and I just want stability before I die (of old age or health, since I guess I'm genetically per-disposed to breast cancer and strokes on top of the rest of all this shit).
2023.05.28 04:19 slush-fund New Bank Account Question - Savings
i am looking to open a new certificate account at my credit union. it is advertising that if i were to deposit $100k for 12 months the rates would be as follows:
Dividend Rate - 4.35% APY - 4.45%
i understand what dividends and APY are, but i am trying to understand why both are advertised and what they effectively mean for my returns accrued? can someone please help me make sense of this?
submitted by slush-fund to personalfinance [link] [comments]
Dividend Rate - 4.35% APY - 4.45%
i understand what dividends and APY are, but i am trying to understand why both are advertised and what they effectively mean for my returns accrued? can someone please help me make sense of this?
2023.05.28 03:51 Then_Marionberry_259 MAY 02, 2023 PAAS.TO PAN AMERICAN SILVER REPORTS ADDITIONAL HIGH-GRADE DRILL RESULTS FROM THE LA COLORADA SKARN PROJECT
 | https://preview.redd.it/zkfh545eah2b1.png?width=3500&format=png&auto=webp&s=e87a9449f8847582815ac415877f82c2bea6c82a submitted by Then_Marionberry_259 to Treaty_Creek [link] [comments] Pan American Silver Corp. (NYSE: PAAS) (TSX: PAAS) ("Pan American" or the "Company") today released results for 15 new infill and exploration drill holes totaling 14,122 metres at the Company's 100% owned La Colorada Skarn project in Zacatecas, Mexico. This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20230502006278/en/ La Colorada Skarn drill holes May 2023 (Graphic: Business Wire) The most recent drill results include eight holes that were drilled to follow up on high-grade drill results reported in news releases dated July 21, 2022 and November 1, 2022. Hole D-96-10-22 returned two broad zones of mineralisation over 64 metres at 391 g/t Ag, 10.8% Pb and 8.5% Zn, including 23.25 metres at 914 g/t Ag, 25.19% Pb and 16.73% Zn, and a separate lower skarn zone over 135 metres at 37 g/t Ag, 1.13% Pb and 6.42% Zn. "These new drill hole results both extend the 902 zone and confirm that there are multiple zones of higher grade within the limestone and skarn, which align with surrounding porphyry intrusives and epithermal veins," said Christopher Emerson, Pan American's Vice President Exploration and Geology. "We have now drilled over 20 holes into this area, which remains open to the west and northwest. The 2023 infill and exploration program of 28,000 metres from surface and underground drilling stations is currently underway.” Drill highlights include:
Exploration drilling in the 903 East mineralised zone was reduced in the fourth quarter of 2022 with a new focus on the high-grade area to the west. Recent results from S-101-22, the most southeast drill hole in the 903 zone, intercepts skarn mineralisation approximately 250 metres south of previous drilling. Drill hole D-09-04-22 intercepted mineralisation to the southeast of the central zone. Plan view of the La Colorada Skarn drill holes referenced in this news release La Colorada Skarn - summary of drill results The following table provides the drill results for the La Colorada Skarn deposit included in this news release. Previous drill results not included in this table have been disclosed in Pan American’s news releases, which are available, together with cross sections, plans and images of the skarn mineralised core, on our website at: https://www.panamericansilver.com/operations/north-and-central-america/la-colorada-skarn/ https://preview.redd.it/5rie6tceah2b1.png?width=720&format=png&auto=webp&s=8c45ada42dda8eb7e02bf1fdf593d04156e74dd2 La Colorada Skarn - drill hole collar information https://preview.redd.it/3m8fvceeah2b1.png?width=720&format=png&auto=webp&s=a4863cd728cbfd1f09d62fdf020b6b4c7a6432d2 General Notes with Respect to Technical Information Grades are shown as contained metal before mill recoveries are applied. All samples provided in this news release were assayed by ALS Global, Mexico using acid digestion with ICP finish for silver, lead, zinc, and copper. Samples sent to ALS Global were prepared in Zacatecas and Hermosillo, Mexico laboratories and sent to Vancouver B.C. Laboratory for assay. Pan American implements a quality assurance and quality control ("QAQC") program including the submission of certified standards, blanks, and duplicate samples to the laboratories. The results of the QAQC samples submitted to ALS Global demonstrate acceptable accuracy and precision. The Qualified Persons have verified the data disclosed in this news release and they are of the opinion that the sample preparation, analytical, and security procedures followed for the samples are sufficient and reliable for the purpose of any future mineral resource and mineral reserve estimates. Pan American is not aware of any drilling, sampling, recovery or other factors that could materially affect the accuracy or reliability of the data reported herein. ALS Global is independent from Pan American. See the Company's Annual Information Form dated February 22, 2023, available at www.sedar.com for further information concerning QAQC and data verification matters, and for a detailed description of known legal, political, environmental, and other risks that could materially affect the Company's business and the potential development of the Company's mineral reserves and mineral resources. Technical information contained in this news release with respect to Pan American has been reviewed and approved by Christopher Emerson, FAusIMM, Vice President Business Development and Geology, and Martin Wafforn, P.Eng., Senior Vice President Technical Services and Process Optimization, each of whom is a Qualified Person for the purposes of National Instrument 43-101 - Standards of Disclosure for Mineral Projects (“NI 43-101”). Pan American Silver Corp. is authorized by The Association of Professional Engineers and Geoscientists of the Province of British Columbia to engage in Reserved Practice under Permit to Practice number 1001470. About Pan American Silver Pan American is a leading producer of precious metals, operating silver and gold mines in Canada, Mexico, Peru, Bolivia, Argentina, Chile and Brazil. We also own the Escobal mine in Guatemala that is currently not operating, and hold interests in exploration and development projects throughout the Americas, including the MARA project in Argentina. We have been operating in the Americas for nearly three decades, earning an industry-leading reputation for sustainability performance, operational excellence and prudent financial management. We are headquartered in Vancouver, B.C. and our shares trade on New York Stock Exchange and the Toronto Stock Exchange under the symbol "PAAS". Learn more at panamericansilver.com Cautionary Note Regarding Forward-Looking Statements and Information Certain of the statements and information in this news release constitute "forward-looking statements" within the meaning of the United States Private Securities Litigation Reform Act of 1995 and "forward-looking information" within the meaning of applicable Canadian provincial securities laws. All statements, other than statements of historical fact, are forward-looking statements or information. Forward-looking statements or information in this news release relate to, among other things: the extent of, and success related to any future exploration or development programs, including with respect to the Skarn exploration program at La Colorada; and expectations regarding testing from surface and underground drilling stations. These forward-looking statements and information reflect Pan American’s current views with respect to future events and are necessarily based upon a number of assumptions that, while considered reasonable by Pan American, are inherently subject to significant operational, business, economic and regulatory uncertainties and contingencies. These assumptions include: the world-wide economic and social impact of COVID-19 and the extent of any impacts related to the COVID-19 pandemic; tonnage of ore to be mined and processed; ore grades and recoveries; prices for silver, gold and base metals remaining as estimated; currency exchange rates remaining as estimated; capital, decommissioning and reclamation estimates; our mineral reserve and resource estimates and the assumptions upon which they are based; prices for energy inputs, labour, materials, supplies and services (including transportation); no labour-related disruptions at any of our operations; no unplanned delays or interruptions in scheduled production; all necessary permits, licenses and regulatory approvals for our operations are received in a timely manner; our ability to secure and maintain title and ownership to properties and the surface rights necessary for our operations; and our ability to comply with environmental, health and safety laws. The foregoing list of assumptions is not exhaustive. Pan American cautions the reader that forward-looking statements and information involve known and unknown risks, uncertainties and other factors that may cause actual results and developments to differ materially from those expressed or implied by such forward-looking statements or information contained in this news release and Pan American has made assumptions and estimates based on or related to many of these factors. Such factors include, without limitation: the duration and effects of COVID-19, and any other pandemics on our operations and workforce, and the effects on global economies and society; fluctuations in silver, gold and base metal prices; fluctuations in prices for energy inputs, labour, materials, supplies and services (including transportation); fluctuations in currency markets (such as the PEN, MXN, ARS, BOB, GTQ, CAD, CLP, and BRL versus the USD); operational risks and hazards inherent with the business of mining (including environmental accidents and hazards, industrial accidents, equipment breakdown, unusual or unexpected geological or structural formations, cave-ins, flooding and severe weather); risks relating to the credit worthiness or financial condition of suppliers, refiners and other parties with whom Pan American does business; inadequate insurance, or inability to obtain insurance, to cover these risks and hazards; employee relations; relationships with, and claims by, local communities and indigenous populations; our ability to obtain all necessary permits, licenses and regulatory approvals in a timely manner; changes in laws, regulations and government practices in the jurisdictions where we operate, including environmental, export and import laws and regulations; changes in national and local government, legislation, taxation, controls or regulations and political, legal or economic developments in Canada, the United States, Mexico, Peru, Argentina, Bolivia, Guatemala, Chile, Brazil or other countries where Pan American may carry on business, including legal restrictions relating to mining, including in Chubut, Argentina, risks relating to expropriation, and risks relating to the constitutional court-mandated ILO 169 consultation process in Guatemala; diminishing quantities or grades of mineral reserves as properties are mined; increased competition in the mining industry for equipment and qualified personnel; and those factors identified under the caption "Risks Related to Pan American's Business" in Pan American's most recent form 40-F and Annual Information Form filed with the United States Securities and Exchange Commission and Canadian provincial securities regulatory authorities, respectively. Although Pan American has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results not to be as anticipated, estimated, described or intended. Investors are cautioned against undue reliance on forward-looking statements or information. Forward-looking statements and information are designed to help readers understand management's current views of our near and longer term prospects and may not be appropriate for other purposes. Pan American does not intend, nor does it assume any obligation to update or revise forward-looking statements or information, whether as a result of new information, changes in assumptions, future events or otherwise, except to the extent required by applicable law. View source version on businesswire.com: https://www.businesswire.com/news/home/20230502006278/en/ Siren Fisekci VP, Investor Relations & Corporate Communications 604-806-3191 [[email protected]](mailto:[email protected]) https://preview.redd.it/u6q3bxfeah2b1.png?width=4000&format=png&auto=webp&s=833425ebcba95a4a98ee53c9036646ae2faa09f7
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2023.05.28 03:51 Then_Marionberry_259 MAY 10, 2023 PAAS.TO PAN AMERICAN SILVER REPORTS FIRST QUARTER 2023 RESULTS
 | https://preview.redd.it/yo8hsm1aah2b1.png?width=3500&format=png&auto=webp&s=ed1f761c1058266115f8a4b91c0fb30170d48ddb submitted by Then_Marionberry_259 to Treaty_Creek [link] [comments] Pan American Silver Corp. (NYSE: PAAS) (TSX: PAAS) ("Pan American" or the "Company") today reported unaudited results for the quarter ended March 31, 2023 ("Q1 2023"). "Pan American reported solid results for the first quarter of 2023, with adjusted earnings of $0.10 per share," said Michael Steinmann, President and Chief Executive Officer. "Going forward, Pan American will be a significantly larger, more diversified company following our acquisition of Yamana. Our guidance for 2023 demonstrates the positive impact of the four new mines on production and costs, and we are excited by the growth opportunities the combined portfolio presents." On March 31, 2023, Pan American completed its previously announced acquisition of all of the issued and outstanding common shares of Yamana Gold Inc. ("Yamana"), following the sale by Yamana of its Canadian assets to Agnico Eagle Mines Limited, by way of a plan of arrangement under the Canada Business Corporations Act (the "Yamana transaction"). The Yamana transaction added four producing mines to Pan American's portfolio: the Jacobina mining complex in Brazil, the El Peñon and Minera Florida mines in Chile, and the Cerro Moro mine in Argentina ("Acquired Operations"), plus several exploration and development projects in Chile, Brazil and Argentina. Operating and financial results reported in this news release, except for the financial position as at March 31, 2023, reflect only Pan American's original mines, specifically: La Colorada, Huaron, San Vicente, Manantial Espejo, Timmins, Shahuindo, La Arena and Dolores (the "Original Assets"). The following highlights for Q1 2023 include certain measures that are not generally accepted accounting principle ("non-GAAP") financial measures. Please refer to the section titled “Alternative Performance (Non-GAAP) Measures” at the end of this news release for further information on these measures. Consolidated Q1 2023 Highlights:
(1) Per share amounts are based on basic weighted average common shares. (2) Non-GAAP measure; please refer to the "Alternative Performance (non-GAAP) Measures" section of this news release for further information on these measures. (3) Metal prices stated are inclusive of final settlement adjustments on concentrate sales. Cash Costs, AISC, adjusted earnings, basic adjusted earnings per share, sustaining and non-sustaining capital, working capital, total debt and net cash are non-GAAP financial measures. Please refer to the "Alternative Performance (non-GAAP) Measures" section of this news release for further information on these measures. This news release should be read in conjunction with Pan American's unaudited Condensed Interim Consolidated Financial Statements and our Management's Discussion and Analysis ("MD&A") for the three months ended March 31, 2023. This material is available on Pan American’s website at panamericansilver.com, on SEDAR at www.sedar.com and on EDGAR at www.sec.gov CONFERENCE CALL AND WEBCAST https://preview.redd.it/e5785wbaah2b1.png?width=720&format=png&auto=webp&s=41beee937e97d74928df4dbc38ad1ab382388145 The live webcast, presentation slides and the report for the first quarter of 2023 will be available at https://www.panamericansilver.com/invest/events-and-presentations/ 2023 GUIDANCE The following provides Management's 2023 guidance, as at May 10, 2023. Relative to the guidance provided on April 27, 2023, the only revision is an increase in estimated project capital expenditures to a range of $95 million to $105 million from the previous range of $75 million to $85 million. The revised range reflects an updated estimate to complete the preliminary economic assessment studies and to advance the exploration drilling for the La Colorada Skarn project. 2023 General and Administrative, Care and Maintenance, and Exploration Expense Forecast 2023 General and Administrative expenses are estimated to total between $75 to $80 million, and reflects increased personnel following the Yamana transaction, increased regulatory and insurance costs, and a normalized year of stock based compensation, which was lower than assumed in 2022 due to share price performance. 2023 Care and Maintenance costs are estimated to total $98 to $109 million, which reflects expenditures for Escobal, the MARA project, Manantial Espejo and Morococha. 2023 Exploration Expense is estimated to total $14 to $16 million for regional greenfield expenditures. The expenditures relating to near-mine exploration are included in the sustaining and project capital amounts provided in the Capital Expenditures Forecast table below. The production and cost guidance provided in the following tables reflect the contribution from the Acquired Operations for the nine-month period from March 31, 2023 to December 31, 2023, and the full 12-month period of 2023 for Pan American's Original Assets. Please see our MD&A for the period ending March 31, 2023, for a more detailed breakdown of the guidance, including by individual mine and on a quarterly basis for 2023. These estimates are forward-looking statements and information that are subject to the cautionary note associated with forward-looking statements and information at the end of this news release. https://preview.redd.it/3729czcaah2b1.png?width=720&format=png&auto=webp&s=2ae2c0b5e4a738529b58c4d64cdedaae34f4183a https://preview.redd.it/9jvfmzdaah2b1.png?width=720&format=png&auto=webp&s=96456af7e1f873939a912443068e41a54058a0a8 (1) 2023 production and AISC forecasts reflect ownership of the Acquired Operations for the nine-month period from March 31 to December 31, 2023 and the full 12 months for Pan American's Original Assets. (2) Cash Costs and AISC are non-GAAP measures. Please refer to the "Alternative Performance (non-GAAP) Measures" section of this news release for further information on these measures. The AISC forecast assumes metal prices of $22.00/oz for silver, $1,850/oz for gold, $3,000/tonne ($1.36/lb) for zinc, $2,100/tonne ($0.95/lb) for lead, and $8,000/tonne ($3.63/lb) for copper; and average annual exchange rates relative to 1 USD of 18.75 for the Mexican peso ("MXN"), 3.75 for the Peruvian sol ("PEN"), 270.00 for the Argentine peso ("ARS"), 7.00 for the Bolivian boliviano ("BOB"), $1.33 for the Canadian dollar ("CAD"), $800.00 for the Chilean peso ("CLP") and $5.00 for the Brazilian real ("BRL"). https://preview.redd.it/m9i8qnfaah2b1.png?width=720&format=png&auto=webp&s=fccb59f6cbe2bc85bac19463eabea645e93dc4f7 About Pan American Pan American is a leading producer of precious metals in the Americas, operating silver and gold mines in Canada, Mexico, Peru, Bolivia, Argentina, Chile and Brazil. We also own the Escobal mine in Guatemala that is currently not operating, and we hold interests in exploration and development projects, including the Minera Agua Rica Alumbrera ("MARA") project in Argentina. We have been operating in the Americas for nearly three decades, earning an industry-leading reputation for sustainability performance, operational excellence and prudent financial management. We are headquartered in Vancouver, B.C. and our shares trade on New York Stock Exchange and the Toronto Stock Exchange under the symbol "PAAS". Learn more at https://www.panamericansilver.com/ Technical Information Scientific and technical information contained in this news release have been reviewed and approved by Martin Wafforn, P.Eng., Senior Vice President Technical Services and Process Optimization, and Christopher Emerson, FAusIMM, Vice President Exploration and Geology, each of whom are Qualified Persons, as the term is defined in Canadian National Instrument 43-101 - Standards of Disclosure for Mineral Projects For additional information about Pan American's material mineral properties, please refer to Pan American’s Annual Information Form dated February 22, 2023, filed at www.sedar.com , or the Company's most recent Form 40-F filed with the Securities and Exchange Commission. Alternative Performance (Non-GAAP) Measures In this news release, we refer to measures that are non-GAAP financial measures. These measures are widely used in the mining industry as a benchmark for performance, but do not have a standardized meaning as prescribed by IFRS as an indicator of performance, and may differ from methods used by other companies with similar descriptions. These non-GAAP financial measures include:
Cautionary Note Regarding Forward-Looking Statements and Information Certain of the statements and information in this news release constitute "forward-looking statements" within the meaning of the United States Private Securities Litigation Reform Act of 1995 and "forward-looking information" within the meaning of applicable Canadian provincial securities laws. All statements, other than statements of historical fact, are forward-looking statements or information. Forward-looking statements or information in this news release relate to, among other things: future financial or operational performance, including our estimated production of silver, gold and other metals forecasted for 2023, our estimated Cash Costs and AISC, and our sustaining and project capital expenditures in 2023; whether Pan American is able to realize synergies or obtain the positive impact from the four new mines resulting from the Yamana transaction; estimated recoverable amounts of cash generating units; expectations with respect to mineral grades and the impact of any variations relative to actual grades experienced; the anticipated dividend payment date of May 12, 2023; future anticipated prices for gold, silver and other metals and assumed foreign exchange rates; and Pan American’s plans and expectations for its properties and operations. These forward-looking statements and information reflect Pan American’s current views with respect to future events and are necessarily based upon a number of assumptions that, while considered reasonable by Pan American, are inherently subject to significant operational, business, economic and regulatory uncertainties and contingencies. These assumptions include: the impact of inflation and disruptions to the global, regional and local supply chains; the world-wide economic and social impact of COVID-19 and the duration and extent of the COVID-19 pandemic and related restrictions;; tonnage of ore to be mined and processed; future anticipated prices for gold, silver and other metals and assumed foreign exchange rates; the timing and impact of planned capital expenditure projects, including anticipated sustaining, project, and exploration expenditures; the ongoing impact and timing of the court-mandated ILO 169 consultation process in Guatemala; ore grades and recoveries; capital, decommissioning and reclamation estimates; our mineral reserve and mineral resource estimates and the assumptions upon which they are based; prices for energy inputs, labour, materials, supplies and services (including transportation); no labour-related disruptions at any of our operations; no unplanned delays or interruptions in scheduled production; all necessary permits, licenses and regulatory approvals for our operations are received in a timely manner; our ability to secure and maintain title and ownership to mineral properties and the surface rights necessary for our operations; whether Pan American is able to maintain a strong financial condition and have sufficient capital, or have access to capital through our corporate sustainability-linked credit facility or otherwise, to sustain our business and operations; and our ability to comply with environmental, health and safety laws. The foregoing list of assumptions is not exhaustive. Pan American cautions the reader that forward-looking statements and information involve known and unknown risks, uncertainties and other factors that may cause actual results and developments to differ materially from those expressed or implied by such forward-looking statements or information contained in this news release and Pan American has made assumptions and estimates based on or related to many of these factors. Such factors include, without limitation: the duration and effect of local and world-wide inflationary pressures and the potential for economic recessions; the duration and effects of COVID-19, and any other pandemics on our operations and workforce, and the effects on global economies and society; fluctuations in silver, gold and base metal prices; fluctuations in prices for energy inputs, labour, materials, supplies and services (including transportation); fluctuations in currency markets (such as the PEN, MXN, ARS, BOB, GTQ, CAD, CLP and BRL versus the USD); operational risks and hazards inherent with the business of mining (including environmental accidents and hazards, industrial accidents, equipment breakdown, unusual or unexpected geological or structural formations, cave-ins, flooding and severe weather); risks relating to the credit worthiness or financial condition of suppliers, refiners and other parties with whom Pan American does business; inadequate insurance, or inability to obtain insurance, to cover these risks and hazards; employee relations; relationships with, and claims by, local communities and indigenous populations; our ability to obtain all necessary permits, licenses and regulatory approvals in a timely manner; changes in laws, regulations and government practices in the jurisdictions where we operate, including environmental, export and import laws and regulations; changes in national and local government, legislation, taxation, controls or regulations and political, legal or economic developments in Canada, the United States, Mexico, Peru, Argentina, Bolivia, Guatemala, Chile, Brazil or other countries where Pan American may carry on business, including legal restrictions relating to mining, including in Chubut, Argentina, risks relating to expropriation and risks relating to the constitutional court-mandated ILO 169 consultation process in Guatemala; diminishing quantities or grades of mineral reserves as properties are mined; increased competition in the mining industry for equipment and qualified personnel; those factors identified under the caption "Risks Related to Pan American's Business" in Pan American's most recent form 40-F and Annual Information Form filed with the United States Securities and Exchange Commission and Canadian provincial securities regulatory authorities, respectively; and those factors identified under the caption "Risks of the Business" in Yamana's most recent form 40-F and Annual Information Form filed with the United States Securities and Exchange Commission and Canadian provincial securities regulatory authorities, respectively. Although Pan American has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results not to be as anticipated, estimated, described or intended. Investors are cautioned against undue reliance on forward-looking statements or information. Forward-looking statements and information are designed to help readers understand management's current views of our near and longer term prospects and may not be appropriate for other purposes. Pan American does not intend, nor does it assume any obligation to update or revise forward-looking statements or information, whether as a result of new information, changes in assumptions, future events or otherwise, except to the extent required by applicable law. Cautionary Note to US Investors This news release has been prepared in accordance with the requirements of Canadian National Instrument 43-101 (the "NI 43-101") and the Canadian Institute of Mining, Metallurgy and Petroleum Definition Standards, which differ from the requirements of U.S. securities laws. NI 43-101 is a rule developed by the Canadian Securities Administrators that establishes standards for all public disclosure an issuer makes of scientific and technical information concerning mineral projects. Canadian public disclosure standards, including NI 43-101, differ significantly from the requirements of the United States Securities and Exchange Commission (the "SEC"), and information concerning mineralization, deposits, mineral reserve and resource information contained or referred to herein may not be comparable to similar information disclosed by U.S. companies. View source version on businesswire.com: https://www.businesswire.com/news/home/20230510005398/en/ For more information: Siren Fisekci VP, Investor Relations & Corporate Communications Ph: 604-806-3191 Email: [[email protected]](mailto:[email protected]) https://preview.redd.it/g40wz3haah2b1.png?width=4000&format=png&auto=webp&s=723449a8508ddf9d54deb09fb8504eb77c672551
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2023.05.28 03:41 palocci The Brazilian "Secular Stagnation" and what Lula can do about it
 | Introduction submitted by palocci to SocialDemocracy [link] [comments] Here's another effortpost on Brazil! This time I'll be talking about why the Brazilian economy stagnated, and what we can expect from Lula in terms of economic policy (I've talked about this in the past but now I'll go into more detail). Between 1920 and 1980, Brazil was a clear economic success story. For 60 years, our GDP grew at an average of 4% a year. This 'golden age' ended in a hyperinflation crisis, which made the 1980s become known as a 'lost decade', and since its resolution in 1994 with the Plano Real, our economy has experienced minimal growth: from 1980 to 2020, the average GDP growth rate was only 0.7%. Evolution of the Brazilian per capita product, at 2010 prices, from 1900 to 2021. The scale of the graph is logarithmic in base 2. In this post, I'll try to explain the reasons for Brazil's low growth in the last four decades and what Lula's plans are to address them. The debate Before delving into the actual causes of the "semi-stagnation", I would like to explain the economic debate in Brazil. This debate revolves around two major groups of economists: the "developmentalists" and the "liberals." The term "developmentalism" may be unfamiliar to many people here, but it is very present in Latin America. A decent explanation for it could be "dirigisme with Latam characteristics." In short, liberalism in this context is associated with economic orthodoxy and a pro-market orientation in economic policy, while developmentalism leans towards economic heterodoxy and advocates for direct state interference in the economy. This debate is, in theory, separate from the traditional right versus left political divide, as we have had governments from both ends of the political spectrum adopting policies aligned with either school of thought. For instance, Lula I (2003-2007) represented a left-wing liberal government, while Geisel (1974-1979) presided over a right-wing developmentalist government. However, in practice, liberalism is associated with the right-wing while developmentalism is associated with the left-wing. One area of major divergence between those two groups is full employment. Liberals argue that the Brazilian economy generally operates at full employment, which means that there are well-defined supply-side limits and restrictions in the economy, whereas developmentalists believe it tends to operate below that level. This implies that the economy's natural state is one of perpetual aggregate demand deficiency, and thus the government could just increase spending to mobilize idle production factors and stimulate economic growth. Furthermore, liberals typically view direct state intervention in the economy with distrust, opposing increased public investments in infrastructure and most forms of industrial policy. Their preference generally leans towards reducing government spending and relying on a 'crowding in' effect, together with supply-side reforms. Conversely, developmentalists perceive state intervention as a necessity to stimulate the economy, favoring a robust industrial policy and increased public investments. Those are significant oversimplifications, and many economists do not align themselves with either group. In any case, I would say this categorization reasonably represents the current debate. It's a tradition in Brazil to divide ministries between liberals and developmentalists to ensure a balance between the two. The current Finance Minister, Fernando Haddad, believes in a middle ground approach, with some of his secretaries (e.g., Guilherme Mello) leaning more towards developmentalism, while others (e.g., Bernard Appy) lean more towards liberalism. Planning Minister Simone Tebet and Industry and Commerce Minister Geraldo Alckmin are firmly in the liberal camp. However, due to the nature of his ministry, Geraldo Alckmin will probably concede more to developmentalist policies (as he's already doing). Aloizio Mercadante, the President of the National Bank for Economic and Social Development (BNDES), is considered the leader of the developmentalist branch of the government, along with Workers' Party President Gleisi Hoffmann (some people jokingly refer to her as the main opposition to Fernando Haddad and the 'Twitter Shadow Finance Minister' due to some of her tweets). Without further ado, let's get to the causes of Brazil's stagnation. Guido Mantega (Finance Minister between 2006 and 2014) and Antônio Palocci (Finance Minister between 2003 and 2006). Mantega is associated to developmentalism and Palocci to liberalism. Education First of all, the significant growth of the 20th century left a terrible educational legacy. Brazil only began to have a somewhat consistent educational policy in the 1990s and 2000s, when basic education was universalized. To put it into perspective, in 1990, the average number of years of schooling in Brazil was 3.8 years. Even Sub-Saharan African countries like Congo, Zimbabwe, and Zambia had higher average schooling levels than ours. Approximately a quarter of the population were illiterate. The key change came with the 1988 Constitution, which decided that Brazil would try to become an European-style social democracy. Since then, considerable progress has been made, but clearly not enough. The main educational bottleneck lies in Elementary School II, which typically spans the ages of 12 to 15. It is during this stage in Brazil that the discrepancy between age and the appropriate grade level drastically increases, leading to higher rates of grade repetition and students falling behind in their education. This problem is probably related to the transition from a single teacher trained in pedagogy in Elementary I to several specialists teaching only one subject. This transition also occurs at the onset of adolescence, which is naturally a turbulent phase already, with the introduction of drugs, alcohol and various forms of prejudice being normal. The result ends up being a distancing of the student from school. Two Brazilian states, which have been governed by center-left parties for many years, serve as examples in Brazilian educational policy: Pernambuco and Ceará. A highlight in Ceará is the Programa de Afabetização na Idade Certa (Program of Alphabetization in the Right Age), which aims to ensure that all students in the state's public school systems achieve literacy by the age of 7. The plan was based on the following pillars: (1) the elaboration of a specialized literacy curriculum that was adopted in all the municipalities, with structured materials for teachers and students containing a daily routine of classroom activities and homework assignments; (2) pedagogical practices to encourage reading in the classroom; (3) financial incentives for the municipalities that achieve better results in education; and (4) evaluation and monitoring of the program, with a census and diagnostic test that is applied at the beginning of every semester. Pernambuco has implemented a Full-Time High School system that stands out. The system is based on the following pillars: (1) the introduction of a subject called "life project," which encourages students to create plans with goals and objectives for their lives; (2) guided study, providing a space for autonomy in learning and fostering self-directed learning skills; (3) hands-on, practical classes that combine theory and practice; (4) youth clubs, where collective interests of young people are pursued; (5) tutoring, where teachers (tutors) interact with students to support their development; and (6) full-time education, of course. Both plans have been tremendous successes and could be implemented nationwide. The Member of Parliament Tabata Amaral has proposed the program "basic education like Ceará's, high school like Pernambuco's." We might see that put in practice. Izolda Cela, the mind behind Ceará's basic education plan, is the Executive-Secretary of the Ministry of Education, and the current Minister of Education is Camilo Santana, the governor of Ceará between 2014 and 2022. Izolda Cela (Executive-Secretary of the Ministry of Education) and Camilo Santana (Minister of Education). Public Investments Furthermore, there is a general consensus that the significant decrease in public investment since 1980 explains part of the problem. During the Golden Age of Brazilian growth, public investment mounted to about 6% of GDP, whereas it currently stands at approximately 4% since the lost decade. Liberal economists tend to attribute this to the expansion of the welfare state, that came with a substantial increase in the tax burden (from 25% of GDP in the 1970s to 35% in 2000). On the other hand, developmentalist economists point to the decline in public savings due to the privatization of state-owned enterprises in the 1990s. In his second government, Lula created the Programa de Aceleração do Crescimento (PAC) (Growth Acceleration Program), whose objective was precisely to expand public investments. Unfortunately, the plan ended up with highly controversial results, primarily due to the low administrative capacity of the Brazilian State and corruption (some like to call the plan the Corruption Acceleration Program!). But now the Workers' Party has gained new experience. Many of its state governments became famous for extensive investment programs in partnership with the private sector, delivering positive results. Chief of Staff Rui Costa, in particular, had a successful experience with public-private investments during his tenure as the governor of Bahia. He is now expected to lead the "New PAC", which will probably be announced at some point between today and July. (The project still has no name and is provisionally being called "New PAC"). Here's what Rui Costa has said about the project: "We will have, in an unprecedented way, investments with Public Private Partnerships (PPIs) at the federal level. Many states, including Bahia, have made PPI projects. [...] We are negotiating with the Ministry of Finance the conditions for guarantees so that we can leverage these projects." Lula wants to meet with the 27 state governors to determine which state projects the Union should prioritize for its investments. In recent weeks, Costa has held individual meetings with the state governments to define which projects will be included in the new PAC. In all, eight governors have already been heard. In a speech on the May 1st holiday, Lula said the following about the project: "We are inviting foreign businessmen to invest in Brazil and we are showing them the great projects that we are going to present in the third PAC. It will be the largest infrastructure project in this country." Former Governor of Bahia (2014 - 2022) and current Chief of Staff Rui Costa. Deindustrialization Another problem is the early deindustrialization that is taking place in Brazil: we are losing our industry before becoming rich. In the beginning of the lost decade, the industry accounted for one-quarter of the Brazilian GDP, whereas today it represents around one-tenth. The reason for this process is complex, and once again, economists disagree. Liberals point to the new form of production organization that emerged with globalization, where the manufacturing of goods was fragmented into different stages, each executed in different countries. According to this line of thinking, Brazil failed to adapt to the new industrial configuration and remained stuck in an unrealistic autarkic dream. On the other hand, developmentalist economists usually argue that after the end of hyperinflation, Brazil fell into a trap of having an overvalued currency and high interest rates, demolishing the industry's competitiveness. (I am more inclined towards the first thesis, although it is a fact that the Brazilian exchange rate was detrimental to the industry after the Real Plan). Now I want to talk a little bit about the Brazilian industrial bourgeoisie and its problems. In the 1960s, the then sociologist and future president Fernando Henrique Cardoso published his thesis on the Brazilian industrial entrepreneurs. Based on his research, he concluded that Brazilian industrialists did not have any national project, and (1) "only cared about their personal interests when speaking on behalf of the class" and (2) "[their] political action consists of personal participation in the patrimonialist game." Brazil has a serious problem related to what we call 'patrimonialism,' which refers to the capture of resources from the Brazilian state to benefit private interests. Unfortunately, industrial policy in Brazil often results in tax exemptions, subsidies, tariff protections, etc., for an inefficient, patrimonialist, and somewhat broken industry that was developed in the 20th century. The Workers' Party itself fell into this outdated corporatism while in power, especially during the first Rousseff administration (2011-2015). It is a shame that advocating for greater state involvement in the economy ends up becoming a defense of those interest groups. In this sense, I find myself opposed to both liberals and developmentalists. While the latter end up promoting an agenda that only benefits private interests, albeit with good intentions, the former dismiss any state planning, believing in an 'economic abiogenesis.' Since 2016, we have been reducing the role of the state and waiting for a crowding in effect, but with no success. We need strong a industrial policy, but it has to be transparent and not perpetuate the old game of patrimonialism. In the words of the brilliant economist Laura Carvalho: "We want a State that identifies ways to stimulate technological innovation and product development in partnership with the private sector. But this policy cannot become hostage to the existing private sector. We have remnants of our industry of the 20th century, for example the automobile industry, and when we do industrial policy, we end up just giving incentives to them. This is a state that does not choose winners, but rather is chosen by losers. Those who are struggling in the industry try to eat the resources of the state to survive." Unfortunately, the signals from the new Lula government are quite negative. Industry and Commerce Minister Geraldo Alckmin recently announced a plan of incentives for the automobile industry, which is essentially the same program that has failed several times in the past. There are positive things coming from his ministry, but few of them have much to do directly with a well-made industrial policy. It's a shame. His plans beyond industrial policy appear positive, as shown in the following excerpt, at least: "Brazil had an early deindustrialization. Europe also deindustrialized, but ours was precarious and severe. More than reindustrializing, we need a neo-reindustrialization. A central issue is the competitiveness agenda. There is a principle in medicine that says: suppress the cause and the effect ceases. We have to act on the causes of low growth. Our tax model generates an absurd cost for companies. It is not fair. We have an absurd judicialization that leads to legal insecurity and hinders exports. The whole world has a VAT (value added tax. I defend it. I think Haddad is doing well and I am a great enthusiast of the tax reform." Probably more than any other politician of expression today, Haddad positions himself as a republican and talks about reducing the patrimonialist distortions of the Brazilian public budget. He talks about "closing the drains of what is called Brazilian patrimonialism" and "ending a series of abuses that have been committed against the fiscal base" of the country. He says that many sectors have been "overly" benefited "with rules established over the decades and that have not been reviewed by any outcome control. Many have expired from the point of view of efficiency, and need to be revoked." Former Governor of São Paulo (2001 - 2006; 2010 - 2017) and current Vice-President of Brazil and Minister of Industry and Commerce Geraldo Alckmin. Business Environment Brazilian productivity has been stagnant for decades. What is causing this? The main suspect is the Brazilian tax system. There is an enormous complexity in the various indirect taxes (ISS, ICMS, PIS/Cofins, and IPI), which forces every company to have an excessively large department dedicated to tax payment. Additionally, numerous divergences of interpretation arise between the Federal Revenue, state authorities, and businesses. On every corner of our cities, there is a specialized tax law office to assist companies in dealing with the extremely high level of litigation in our taxation system. To make matters worse, our indirect taxes discourage investment in locations with higher social returns, as the tax complexity and special tax regimes artificially alter the profitability of investments and production. A general simplification of these taxes, with the adoption of a Value Added Tax, could have an impact on the economy's efficiency equivalent to the Plano Real, which ended hyperinflation. Even beyond the tax issue, the Brazilian business environment is terrible. According to the World Bank's Doing Business 2020 report, which measures the ease of doing business in 190 countries, Brazil ranks 124th. This problem is related to excessive bureaucracy, unexpected judicial decisions, loopholes in regulatory frameworks, and disrespect for contracts. The Tax Reform is going to be the government's main priority after the approval of the New Fiscal Anchor. Planning Minister Simone Tebet summed up the reform as follows: "The Tax reform is the only silver bullet that we have to save Brazil." And here's what Finance Minister Fernando Haddad has said about it: "There is no way to grow Brazil's productivity with this tax system [...] We are developing a tax reform that is even more modern, because it introduces in the national tax system a Value Added Tax that solves a good part of the flaws of the current system that, in my opinion, is the great villain for the low growth rates of our productivity." The idea is to approve the Tax Reform still this year (Haddad talks about doing it in the first semester!). Special Secretary for Tax Reform Bernard Appy. Economic Isolation Brazil has a very closed economy. Among the 160 countries analyzed by the World Bank, the Brazilian economy is only less open than that of Sudan. The average protection applied by Brazil to capital goods is 14 times higher than in Chile and 25 times higher than in Mexico. This is probably the most expressive cause of the low productivity and deindustrialization in Brazil, together with the tax system. Here, I quote the brilliant economist Edmar Bacha: "[The closure of the Brazilian economy during the Geisel government (1974 - 1979)] caused a tremendous drop in the economy's productivity and an increase in the cost of capital goods. And this, I believe, is what lies at the root of our stagnation after the so-called economic miracle (1968-1974). Our industry became unable to compete internationally. And we were forced, because the industry has this extraordinary lobbying capacity, to prevent the redesign of the Brazilian industry to participate in global value chains." Bacha's argument makes sense: the collapse of GDP growth coincides with the collapse of capital accumulation (the growth rate of the capital stock) after Geisel's government. Why did capital accumulation collapse? Bacha explains that using a decomposition of the investment = savings relationship: K' = s(1/p)v - δ, where K' = capital accumulation, s = savings rate, p = relative price of investment, v = output-capital ratio, and δ = depreciation rate. Between 1950-1980, the "golden age" of Brazil, K' grew at nearly 9% per year. Between 1981-2014, this number was 3%. Why? Looking at the historical series, the difference is not in savings or depreciation. What happened was that the output-capital ratio fell by about one-third, and the relative price of investment increased by one-third. In other words, the capital requirement per unit of output increased significantly, and at the same time, the price of investment goods rose significantly. According to Bacha, this process occurred between 1973 and 1983, a period in which the Military Government pursued an autarkic economic policy. The ideal scenario for Brazil would be to open its economy and have an export-oriented industry. The industry we have developed is heavily reliant on our domestic market, without external competition. In the words of economist Nelson Barbosa: "Brazil cannot produce ships, but it can produce airplanes. Brazil does not have car manufacturers, but it has bus manufacturers. Brazil cannot have a domestic production of microelectronics, but it has a good domestic production of electric motors. So we need to study what worked in these sectors to see if it can be replicated in other sectors. All these successful sectors, Embraer, Weg, Marco Polo, are sectors that are competitive in Brazil and in the world. Here is the first clue: correct industrial policies create domestic production that competes domestically and internationally. They are integrated products that import and export extensively. Value chains." However, an open trade policy without a plan may not be positive either. In Nelson's words: "Development always means increased productivity. Opening the economy can stimulate productivity, but it can also lead to a negative specialization. You can open your economy and become a country that only exports commodities, with an inflated services sector that only sells domestically, with a significant portion of your population relying on informal jobs. Which is what happens in Brazil. So I think trade openness is inevitable, more developed countries are more open, but thinking that just opening up will automatically lead to development is naïve and something we shouldn't do in the 21st century. I believe that strategic trade integration is crucial and necessary for development. Unilateral openness, without any plan, will only reinforce the specialization we already have today." In any case, it is certain that the current excessive protectionism cannot be maintained. Opening up would allow broader access for companies to (1) cheaper and higher-quality inputs and (2) foreign-produced capital goods and technology, (3) create significant competition effects to invigorate the economy, and (4) create a 'selection effect' that would eliminate losers and favor winners. But this is the agenda that I am least hopeful about. Trade openness is a topic that faces strong opposition from the Brazilian left and would likely only occur under a moderate center-right government. I hope, at least, that some trade agreements can be reached to open up the economy. The European Union-Mercosur trade agreement would have a significant impact and would be very important but I'm not very hopeful that it'll be approved. Haddad is still optimistic, though! He said that a more emphatic diplomatic effort will be made starting in the second semester, in a movement that will take advantage of Brazil's leadership in Mercosur and Spain's leadership in the European bloc. Simone Tebet (Planning Minister) and Fernando Haddad (Finance Minister). Interest Rates Interest rates in Brazil are much, much higher than the global average. Our credit is scarce and dysfunctional. Lula likes to repeat that Brazil is a capitalist country without capitalism because there is no credit. Brazil has the second-highest bank spread in the world, second only to Madagascar. This means that banks in Brazil charge very high interest rates for lending money. To give you an idea, Brazil's bank spread is higher than the average observed in countries at war. There are several reasons for this, but some stand out: (1) savings in Brazil have historically been very low (around 20% of GDP), (2) the government consumes a significant portion of savings to finance itself, and (3) the Brazilian banking sector is extremely concentrated, with a few banks dominating the entire sector. The other issue in this discussion is the current policy interest rate set by the Central Bank. Brazil currently has the highest real interest rate in the world, at around 9%. The debate about whether this interest level is correct or not is quite active in Brazil, with its proponents arguing that the current Brazilian inflation is demand-driven and pointing to inflation in the services sector and core inflation, while its critics argue that inflation is not demand-driven, pointing to the fact that Brazil has had a negative output gap since 2015 and that supply shocks can explain the inflation in services. This debate is complex, and it is hard to determine definitively which side is right. Nevertheless, the Central Bank is strongly adhering to the first thesis. The current Chairman of the Central Bank, Roberto Campos Neto (RCN), is the grandson of an economist of the Military Dictatorship and was appointed by Bolsonaro. He will remain in his position until 2024 due to the new autonomy granted to the Central Bank in 2021. In this scenario, Lula engaged in a public war against RCN, urging him to lower interest rates. The situation became tense, but Lula never showed any willingness to take effective action to remove him, remaining only in rhetoric. Throughout the conflict, Haddad positioned himself as a moderate, playing a certain "good cop, bad cop" game with Lula and gaining trust in the financial market. Apparently, Lula intends to nominate former executive-secretary of the Finance Ministry Gabriel Galípolo to replace RCN in 2024. He was recently appointed as director of monetary policy at the Central Bank, and is widely identified as a heterodox economist. Haddad's current plan is to stabilize Brazil's deficit to allow for a monetary loosening. Here's what he said: "We are not at a point where fiscal expansion is going to help the economy. If there is room for any stimulus, it will be monetary. If we know how to make the transition, there is room for a lower interest rate, you just have to give security to the monetary authority." He does not seem to be concerned about banking concentration, though. Chairman of the Central Bank Roberto Campos Neto. TL;DR The Brazilian economy has seen very little growth since the the lost decade in the 1980s. One of the primary factors contributing to this stagnation is the economy's low productivity. There are several reasons behind this low productivity, including:
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2023.05.28 03:37 RedditNotFreeSpeech Just test drove a ev6 wind awd. Have some questions
The car seemed nice. A few questions if you guys are willing to educate.
There's a black GT coming in August and I'm thinking about putting a deposit down to hold it. Sticker is $63,720.00
submitted by RedditNotFreeSpeech to KiaEV6 [link] [comments]
There's a black GT coming in August and I'm thinking about putting a deposit down to hold it. Sticker is $63,720.00
- It sounds like leasing is the better option right now because it bypasses the limitations around the $7500 tax credit. I've never leased before. What do I need to negotiate? If I go this route? It also sounds like I could immediately purchase the car upon entering the lease if I chose to do so and I'd actually be getting a better deal than had I bought the car outright. Does this sound accurate?
- What are you guys doing for charging? What type of port does the ev6 use? I need to get familiar with the terminology.
Is there any way to get the EV6 GT in the gravity blue without the green calipers? How do I know which trim does come in that color? It's not obvious on the website unless I'm missing it.Nevermind, I went to "Build your car" and I see it now.If the sticker says: "BLACK" for interior, is that the one with the green accent? I'm not a huge fan.Crud, that's the only color the GT comes in. It's hideous.- The salesman kept mentioning how difficult the matte paint was to care for. How bad is it in reality. Of the GT colors. The grey matte
Does the GT have a tow hitch for a bike rack?Looks like it's a $540 option.- From what I'm reading it sounds like all software updates have to be done in the shop. They don't do over the air updates. Is that accurate?
- Am I reading this right, the range on a GT is only 206 miles? That seems like a significant drop.
2023.05.28 02:44 Raisedhunter Feedback on my mercernary corporation
Black diamond inc.
I have a "corporation" but its more of a private army cartel that uses the term to make themself look more legit than they are. They are run by a african warlord...i mean "business entrepreneur" called francis abimbola or "midas"
Basically I have an African nation called the confederacy of african states/CAS in west africa which works more of a european union style government under one flag than a centralized state. They were the real last surviving nation that survived the damned war where 90% of africa was culled by a demonic invasion and the federation of democratic governments bomb the continent to get rid of the demons from spreading. So alot of land is destroyed by the war and alot of land is downright unusable in the continent by the bombing from the feds.
Due to the virgining nation being weak from the rebuilding process and raiders and warlords from outside their borders attacking them,they let a mercenary group/company lead by a nigerian man "midas" called "Black diamond inc" deal with protection.The confederacy hires midas to protect its borders and in return they let BD to do its...questionable things (very illegal crimes) and give them a large sum of annual money and resources. The confederacy is basically a puppet of BD and midas is the real ruler of it (there is a prime minister but midas has the experience soldiers and weapons under him) Yeah BD is more of a cartel than a real corporation
If you're wondering why Africa is like this it's because The portal to a hell like dimension was opened in South Africa, meaning they took the brunt of the damages from both the demons rampaging and the feds fighting for mankind's survival. After the war the feds (un)officially support BD due to them being resource starved that only africa's basically untouched deposits can fix for the feds. But they don't want to spend too many resources/money on trade or let it be swayed by their rival, the holy empire of the allfather,potentially. so they (secretly) supported midas taking over the key resource industries left and state apparatus.
And finally last but not least, midas. africa could rebuild and become better but the man will do anything to keep the status quo of it being as horrible as possible to maintain his power. He will support every despot and raider in the continent as long as he profits (includes but not limited to, weapon selling,narcotics, and the anomaly trade aka selling chattel slavery) problem is that he has the only real professional army in the continent (his mercs are often disgruntled vets or fortune seekers from all over the world with combat experience) while everything else in africa can barely afford a militia. So goodluck fighting back.
What do they sell: narcotics, raw resources,weapons, vehicles , equipment , human trafficking, slavery,organs, anomalies,basically everything under the sun.
How do they maintain this: black diamond is an expert in smuggling, bribery, and money laundering. If the federation ties to do anything against them they have an army of bribed officials to help them along the way (not just bribery, but have billions in laundered money that belong to the federation) and the federation can’t afford to loose Africa to the empire that wants to conquer alswell due to there dependence on natural resources from the continent. So any time the empire tried to do anything against black diamond it automatically gets vetoed by the federation.
Results: Midas is called the “King of Africa” and is the richest man in africa because of this. The people of Africa,as a result, have been suffering due to the wealth stolen from them from black diamond.
submitted by Raisedhunter to worldbuilding [link] [comments]
I have a "corporation" but its more of a private army cartel that uses the term to make themself look more legit than they are. They are run by a african warlord...i mean "business entrepreneur" called francis abimbola or "midas"
Basically I have an African nation called the confederacy of african states/CAS in west africa which works more of a european union style government under one flag than a centralized state. They were the real last surviving nation that survived the damned war where 90% of africa was culled by a demonic invasion and the federation of democratic governments bomb the continent to get rid of the demons from spreading. So alot of land is destroyed by the war and alot of land is downright unusable in the continent by the bombing from the feds.
Due to the virgining nation being weak from the rebuilding process and raiders and warlords from outside their borders attacking them,they let a mercenary group/company lead by a nigerian man "midas" called "Black diamond inc" deal with protection.The confederacy hires midas to protect its borders and in return they let BD to do its...questionable things (very illegal crimes) and give them a large sum of annual money and resources. The confederacy is basically a puppet of BD and midas is the real ruler of it (there is a prime minister but midas has the experience soldiers and weapons under him) Yeah BD is more of a cartel than a real corporation
If you're wondering why Africa is like this it's because The portal to a hell like dimension was opened in South Africa, meaning they took the brunt of the damages from both the demons rampaging and the feds fighting for mankind's survival. After the war the feds (un)officially support BD due to them being resource starved that only africa's basically untouched deposits can fix for the feds. But they don't want to spend too many resources/money on trade or let it be swayed by their rival, the holy empire of the allfather,potentially. so they (secretly) supported midas taking over the key resource industries left and state apparatus.
And finally last but not least, midas. africa could rebuild and become better but the man will do anything to keep the status quo of it being as horrible as possible to maintain his power. He will support every despot and raider in the continent as long as he profits (includes but not limited to, weapon selling,narcotics, and the anomaly trade aka selling chattel slavery) problem is that he has the only real professional army in the continent (his mercs are often disgruntled vets or fortune seekers from all over the world with combat experience) while everything else in africa can barely afford a militia. So goodluck fighting back.
What do they sell: narcotics, raw resources,weapons, vehicles , equipment , human trafficking, slavery,organs, anomalies,basically everything under the sun.
How do they maintain this: black diamond is an expert in smuggling, bribery, and money laundering. If the federation ties to do anything against them they have an army of bribed officials to help them along the way (not just bribery, but have billions in laundered money that belong to the federation) and the federation can’t afford to loose Africa to the empire that wants to conquer alswell due to there dependence on natural resources from the continent. So any time the empire tried to do anything against black diamond it automatically gets vetoed by the federation.
Results: Midas is called the “King of Africa” and is the richest man in africa because of this. The people of Africa,as a result, have been suffering due to the wealth stolen from them from black diamond.
2023.05.28 02:00 BlueArchiveMod Daily Questions Megathread May 28, 2023
Please use this thread to ask any questions you have about the game. Please search though the comments section as your question may have been answered already or through the search bar.
For global, dailies reset at 19:00 UTC and weeklies reset on Sunday.
[02] Should I re-roll this account?
This will depend on your priorities with PvE, PvP, or both, but you can generally see the “ideal” units as Iori, Hibiki, and Tsubaki for most content, while Shun and Haruna are great for PvP.
[03] Who should I spend my elephs on? Who should I mystic unlock?
At the start, prioritize spending your blank elephs on getting Serina to 2-star for the increased healing stat, Tsubaki to 3-star for the extra tankiness when she is reloading. It is generally advised not to spend your elephs on increasing characters to 4-star and 5-star ratings, since there is only a stat increase and the amount of elephs needed is quite high.
[04] What do my support students’ stats do?
Aside from increasing the stats of their own skills, support students will provide additional stat boosts to your striker team. The specific increase(s) can be viewed by clicking on “Support” on the right side of the team formation screen.
[05] What should I buy in the shop?
This is purely cosmetic, as it changes which student’s chibi shows up on the map.
[07] What benefits are there to joining a club?
You need to pull, at a minimum, 200 times in order to get 200 recruitment points that are redeemed for the character you want. The recruitment point system does not carry over from banner to banner, it is only shared between banners that are concurrently running.
[09] Why can’t I find my friend’s club?
While the servers’ updates are separated from JP and global, the global servers are separated further into smaller divisions. You need to be on the same server as your friend, which you can check from the home screen: top-right menu button > account > version info. The server must be the same.
[10] When is X banner coming? Should I save for X student?
We never know for sure, due to the fact that global servers are on an accelerated schedule compared to JP. Please refer to this guide for some more info.
[11] Should I use Pyroxenes to refill my AP?
If you want to prioritize progression, the first three daily refills are decently valuable, this is because the Pyroxene cost of refilling will increase for every three refills. If you are focused on character collection or future banners, you should be saving your Pyroxenes.
[12] Why can’t I buy X student’s eleph in the shop?
You can only buy elephs of students you own.
[13] What should I craft?
At the start, prioritize crafting cafe furniture until your comfort is maxed out, then students’ gifts, then whichever upgrade materials you need. The crafting system is the only way to get furniture and gifts at the moment.
[14] What is the “Anniversary” in account settings?
This is your birthday, used for characters to wish you happy birthday.
[15] When will the beginner guide missions for Nonomi end?
This is a permanent addition, so feel free to take your time with the tasks.
[16] What is the best place to farm EXP?
You can run any map to farm EXP, as the EXP gain is equal to the amount of AP spent (i.e. 10 AP spent = 10 EXP gained). You should be looking at the stages that drop the equipment upgrade materials that you need.
[17] What is the “Secret Tech Sheet” in the Total Assault shop?
This is used to upgrade a student’s (non-EX) skill to level 10.
[18] Is it worth doing a raid if I can’t pass X difficulty level?
It is always more efficient to clear the highest difficulty you can finish instead of failing/forfeiting a higher difficulty.
[19] Can I claim the Limited Students through exchanging Expert Permits? How often does the Expert Permit shop resets?
You cannot get the limited students via this method. You will still need to pull for them. There's no specific mentioned but it's expected to be monthly.
submitted by BlueArchiveMod to BlueArchive [link] [comments]
General Resources
- General Database
- Gameplay Overview
- Min-Turn Stage Guide YouTube
- PvP Guide
- Raid Guide
- Raid Character Guide
- Unique Equipment Guide
- Upcoming Banners
- Upcoming Banners V2
- Student Skill Level Up Priority
- Midokuni's Student Insights
REMINDER: Bind your account!
Please remember to bind your accounts and take note of your UID, member code, server location, and any information related to your account (e.g. amount spent, student roster, etc). If anything happens to your account (e.g. losing access, unauthorized access), you will need to provide as much info as you can to Nexon's customer support email. Guest accounts that are unbound will be extremely difficult to recover, perhaps impossible.Frequently Asked Questions (FAQ)
[01] When does the server reset?For global, dailies reset at 19:00 UTC and weeklies reset on Sunday.
[02] Should I re-roll this account?
This will depend on your priorities with PvE, PvP, or both, but you can generally see the “ideal” units as Iori, Hibiki, and Tsubaki for most content, while Shun and Haruna are great for PvP.
[03] Who should I spend my elephs on? Who should I mystic unlock?
At the start, prioritize spending your blank elephs on getting Serina to 2-star for the increased healing stat, Tsubaki to 3-star for the extra tankiness when she is reloading. It is generally advised not to spend your elephs on increasing characters to 4-star and 5-star ratings, since there is only a stat increase and the amount of elephs needed is quite high.
[04] What do my support students’ stats do?
Aside from increasing the stats of their own skills, support students will provide additional stat boosts to your striker team. The specific increase(s) can be viewed by clicking on “Support” on the right side of the team formation screen.
[05] What should I buy in the shop?
- Credit Shop - Buy out the bottom row of materials, then the first two tiers of enhancement stones as needed. Feel free to buy the higher tiers of enhancement stones if you feel that you have an excess of credits, which is very common.
- Eligma - This will depend on you, can reference question [03].
- Total Assault (raid) - Prioritize Maki’s elephs (until you unlock her) and save the rest of your currency for future updates that will add more low-rarity students to the shop, meaning you can unlock mystic for them without spending your eligma. You can also purchase the skill discs/blu-rays depending on your needs.
- Tactical Challenge (PvP) - Buy out the energy drinks as needed (warning: they are instantly consumed, they won’t be moved to your inventory). Many suggest to save these for events in order to buy drinks, refresh the shop, and repeat.
This is purely cosmetic, as it changes which student’s chibi shows up on the map.
[07] What benefits are there to joining a club?
- 10 AP are given daily and deposited automatically on teacher's mailbox, upon checking in.
- A maximum of two assistant can be set for Total Assault and Joint Firing Drill respectively.
- Students assigned to assist with TA cannot also be selected to assist with JFD.
- 20 credits are rewarded every minute by setting assistants.
- The specific unit that is borrowed can be only used once a day.
- There's a fee of 40,000 credits, when borrowing a assistant student.
- The donor receives 50,000 credits instead; even though the fee is 40,000 credits.
- The fee can only be received 20 times a day.
- It can be unlocked after clearing Mission 3 Act 4
You need to pull, at a minimum, 200 times in order to get 200 recruitment points that are redeemed for the character you want. The recruitment point system does not carry over from banner to banner, it is only shared between banners that are concurrently running.
[09] Why can’t I find my friend’s club?
While the servers’ updates are separated from JP and global, the global servers are separated further into smaller divisions. You need to be on the same server as your friend, which you can check from the home screen: top-right menu button > account > version info. The server must be the same.
[10] When is X banner coming? Should I save for X student?
We never know for sure, due to the fact that global servers are on an accelerated schedule compared to JP. Please refer to this guide for some more info.
[11] Should I use Pyroxenes to refill my AP?
If you want to prioritize progression, the first three daily refills are decently valuable, this is because the Pyroxene cost of refilling will increase for every three refills. If you are focused on character collection or future banners, you should be saving your Pyroxenes.
[12] Why can’t I buy X student’s eleph in the shop?
You can only buy elephs of students you own.
[13] What should I craft?
At the start, prioritize crafting cafe furniture until your comfort is maxed out, then students’ gifts, then whichever upgrade materials you need. The crafting system is the only way to get furniture and gifts at the moment.
[14] What is the “Anniversary” in account settings?
This is your birthday, used for characters to wish you happy birthday.
[15] When will the beginner guide missions for Nonomi end?
This is a permanent addition, so feel free to take your time with the tasks.
[16] What is the best place to farm EXP?
You can run any map to farm EXP, as the EXP gain is equal to the amount of AP spent (i.e. 10 AP spent = 10 EXP gained). You should be looking at the stages that drop the equipment upgrade materials that you need.
[17] What is the “Secret Tech Sheet” in the Total Assault shop?
This is used to upgrade a student’s (non-EX) skill to level 10.
[18] Is it worth doing a raid if I can’t pass X difficulty level?
It is always more efficient to clear the highest difficulty you can finish instead of failing/forfeiting a higher difficulty.
[19] Can I claim the Limited Students through exchanging Expert Permits? How often does the Expert Permit shop resets?
You cannot get the limited students via this method. You will still need to pull for them. There's no specific mentioned but it's expected to be monthly.
OthePast Megathreads
- Daily Questions
- Weekly Club Recruitment
- Weekly Kivotos Lounge
- Weekly Storytelling Plaza
- Technical Issues
2023.05.28 01:53 whitieiii Opinion on my cards and what to do?
I've currently got a few cards and for specific reasons...
Amex blue cash everyday card- everyday card but mostly for online purchases not through PayPal
Amazon Prime Rewards Visa card -mostly for Amazon and whole foods
PayPal Cashback Mastercard - mostly for PayPal payments
Citi custom cash- mostly for restaurants but want to switch my streaming services to it
My credit unions 1.5% Cashback card - mostly for no FTFs or where amex isn't accepted but has an extremely credit low limit
I'm thinking about adding one more for 3% Cashback on restaurants without any AF and using my custom cash for streaming services.... I am not able to use amex on alot of service unfortunately so i need to switch my Custom cash to streaming services and get a new restaurant card.... Need suggestions on that
Also how does this lineup look? Anything you would add? Or change or does it look like a good setup? Curious to know how to improve and qhat you think....
submitted by whitieiii to CreditCards [link] [comments]
Amex blue cash everyday card- everyday card but mostly for online purchases not through PayPal
Amazon Prime Rewards Visa card -mostly for Amazon and whole foods
PayPal Cashback Mastercard - mostly for PayPal payments
Citi custom cash- mostly for restaurants but want to switch my streaming services to it
My credit unions 1.5% Cashback card - mostly for no FTFs or where amex isn't accepted but has an extremely credit low limit
I'm thinking about adding one more for 3% Cashback on restaurants without any AF and using my custom cash for streaming services.... I am not able to use amex on alot of service unfortunately so i need to switch my Custom cash to streaming services and get a new restaurant card.... Need suggestions on that
Also how does this lineup look? Anything you would add? Or change or does it look like a good setup? Curious to know how to improve and qhat you think....
2023.05.28 01:16 old_reddit_user First time in 6 years
 | I was down to 1 shot and then someone came and place his tank in front of mine and saved me. submitted by old_reddit_user to WorldofTanks [link] [comments] It's hearth warming to see such players exist for real, and thank you to my savior again. https://preview.redd.it/tv6u397f2i2b1.jpg?width=2304&format=pjpg&auto=webp&s=75c0d544abfd240947fd2cc2151ded46778e51b1 |
2023.05.28 00:06 Uditrana M1 Checkings (Spend) vs Savings
So, I'm exploring the recently added savings account. (I am an M1 Plus member)
Right now I use M1 Spend Checkings to hold 2-15k in cash where I pay out all my credit cards. My paycheck also comes into this account. I use overbalance "smart rule" to transfer excess cash into my investment portfolios.
My initial plan was to use the new savings account as a larger cash-holding area where I'd transfer into Checkings account using under-balance "smart rule" while all my bills are still paid out of checkings. But here are some questions:
submitted by Uditrana to M1Finance [link] [comments]
Right now I use M1 Spend Checkings to hold 2-15k in cash where I pay out all my credit cards. My paycheck also comes into this account. I use overbalance "smart rule" to transfer excess cash into my investment portfolios.
My initial plan was to use the new savings account as a larger cash-holding area where I'd transfer into Checkings account using under-balance "smart rule" while all my bills are still paid out of checkings. But here are some questions:
- Do smart-rules not support external/internal cash accounts? I cant seem to select my external bank or my savings account for rules involving my M1 Spend.
- Is there reason to not use my M1 Savings for *everything*? Direct Deposit, paying bills, transferring money into investments, etc.? The main reason you usually don't do this is transfer limits, but seems there are unlimited transfers for M1 savings? Why does the M1 Spend Checkings even exist then? What is it's use case.
2023.05.27 23:52 lemonpeazy Bargain!
 | submitted by lemonpeazy to wallstreetbets [link] [comments] |
2023.05.27 23:42 Dull-Week-866 How to hack and 'fix' a bad credit score How to improve a bad credit score.
Correcting bad credit requires understanding the basic factors that contribute to credit, such as whether you pay your bills on time or whether you have a credit card balance and identify the factors that contribute negatively. there is. Checking your credit report for errors is also an important step. [[email protected]](mailto:[email protected])
A credit score is usually a three-digit number between 300 and 850, based on information on your credit report. It is of value to lenders who need to understand the possibility of repaying borrowed money.
There are several credit score models with different rating ranges, but generally 700 or higher is considered a good credit score and 800 or higher is considered excellent. If your score is not in that range, you can get it back at [[email protected]](mailto:[email protected])
What is bad credit? A bad credit score is less than 670 on the FICO® Score☉ 8 scale of 300 to 850, one of the most common credit scores used by lenders. More specifically, scores between 580 and 669 are considered fair, and scores between 300 are considered fair. is considered fair and 579 is considered bad.
Another credit score model, VantageScore®, developed by three major credit bureaus (Experian, TransUnion, and Equifax) also uses a scale of 300 to 850. However, the definitions associated with each score range are slightly different. A VantageScore of 601 to 660 is considered normal, 500 to 600 is bad, and 300 to 499 is very bad. The higher your credit score, the more likely you are to get a loan with better interest rates and terms. A low score can make it difficult to get affordable credit or even get a loan or credit card approval.
Maintaining good credit can be considered preventive medicine. You never know when something like this will happen. B. Separation, which means you need to find a new place to live soon.
Poor credit can lead to the following failures:
Potential denial of loans and lines of credit.
Difficulty in approving rental applications. required deposit.
The problem of signing a new mobile phone contract.
Problems during employment background checks.
Premiums are higher in some states.
how to improve bad credit
Credit scores are not static. They will change when the information on your credit report changes. This means you can now take action to manage your financial health and have a positive impact on your credit score. Here's how: [[email protected]](mailto:[email protected])
Check your free credit score 2. Pay your bills on time 3. Reduce debt 4. Avoid new hard requests 5. Boost your credit score with a professional hacker6. How to Maintain a Good Credit Score to Help Professional Hackers Build a Credit Score
After you've done the hard work of fixing a bad credit score, the steps above can help you keep your momentum going.
If your card has a high annual fee and you've stopped using it, weigh the potential trade-offs of a shorter credit history against the amount of money you could save.
10% of your FICO® score is the credit mix or range of credit types held on your behalf. There is no need to issue new credits just to diversify the credit mix. But taking good control of your credit card is one of the most effective ways to maintain good credit. Therefore, if you have never opened a credit card of your own in the past, you should apply for a secure credit card that requires a deposit. A deposit is usually also a credit limit.
If these steps don't solve your problem, Enigmahack can help you get back on track.
Beware of organizations that make promises.
submitted by Dull-Week-866 to u/Dull-Week-866 [link] [comments]
A credit score is usually a three-digit number between 300 and 850, based on information on your credit report. It is of value to lenders who need to understand the possibility of repaying borrowed money.
There are several credit score models with different rating ranges, but generally 700 or higher is considered a good credit score and 800 or higher is considered excellent. If your score is not in that range, you can get it back at [[email protected]](mailto:[email protected])
What is bad credit? A bad credit score is less than 670 on the FICO® Score☉ 8 scale of 300 to 850, one of the most common credit scores used by lenders. More specifically, scores between 580 and 669 are considered fair, and scores between 300 are considered fair. is considered fair and 579 is considered bad.
Another credit score model, VantageScore®, developed by three major credit bureaus (Experian, TransUnion, and Equifax) also uses a scale of 300 to 850. However, the definitions associated with each score range are slightly different. A VantageScore of 601 to 660 is considered normal, 500 to 600 is bad, and 300 to 499 is very bad. The higher your credit score, the more likely you are to get a loan with better interest rates and terms. A low score can make it difficult to get affordable credit or even get a loan or credit card approval.
Maintaining good credit can be considered preventive medicine. You never know when something like this will happen. B. Separation, which means you need to find a new place to live soon.
Poor credit can lead to the following failures:
Potential denial of loans and lines of credit.
Difficulty in approving rental applications. required deposit.
The problem of signing a new mobile phone contract.
Problems during employment background checks.
Premiums are higher in some states.
how to improve bad credit
Credit scores are not static. They will change when the information on your credit report changes. This means you can now take action to manage your financial health and have a positive impact on your credit score. Here's how: [[email protected]](mailto:[email protected])
Check your free credit score 2. Pay your bills on time 3. Reduce debt 4. Avoid new hard requests 5. Boost your credit score with a professional hacker6. How to Maintain a Good Credit Score to Help Professional Hackers Build a Credit Score
After you've done the hard work of fixing a bad credit score, the steps above can help you keep your momentum going.
If your card has a high annual fee and you've stopped using it, weigh the potential trade-offs of a shorter credit history against the amount of money you could save.
10% of your FICO® score is the credit mix or range of credit types held on your behalf. There is no need to issue new credits just to diversify the credit mix. But taking good control of your credit card is one of the most effective ways to maintain good credit. Therefore, if you have never opened a credit card of your own in the past, you should apply for a secure credit card that requires a deposit. A deposit is usually also a credit limit.
If these steps don't solve your problem, Enigmahack can help you get back on track.
Beware of organizations that make promises.
2023.05.27 23:36 Past-Check4577 ⚠️BABY BEWARE⚠️ u/trick-silver8765 will only send money via cheque which is a very common scam. Please never accept cheques to your bank.
 | Talked with him for about a WEEK with the promise of allowance & when it came to brass tax he “didn’t trust” PayPal ???? Which is a very secure payment site. Don’t trust anyone offering a cheque. I’m sad, I hate this page. No real daddy’s ever. submitted by Past-Check4577 to SugarBabyGroups [link] [comments] |
2023.05.27 22:31 LikeMetals [WTS] Many CC, Gold & Silver Pirate, 21 & 28 Peace, Commemoratives, Proof Eagle, US Silver Sets, Morgans! Dansco, etc
Thank you for looking!
proof photo Current as of May 27th 5pm
IMGUR only allows me to upload a handful of images in a short period of time.
Items in blue text, just click the words and they are already linked to pictures Several more images available just comment or chat/PM*** PLEASE ASK FOR PICTURES IF INTERESTED
[50% Canadian $1.75 Face $15 melt
Gold
Gold 14k Wedding Bell 18" 10.5 Gram Necklace $500
Silver Bullion
Pirate Silver Round (Antiqued) w/Certificate $43 (22 available
Gold 24k Gilded 1.5oz .999 Silver Pirate Round $84 (12 available
2014 Armenia Noah's Ark 1oz $29
Boston Harbor Colorized 1oz Silver Bar in Capsule $45
World
US Silver Coins
1917-P Standing Liberty Quarter (XF) $80
1945-S Mercury Dime PCGS OGH MS-65 Micro S $135
MORGAN
1903-S Morgan Silver Dollar $129
1902 Morgan Dollar (VG) $52
1900 O/CC Morgan Silver Dollar (VF) $120
1900 O/CC Morgan Silver Dollar (XF) $205
1900-P (BU)
1899-O (BU)
1898-S Morgan (XF) $100
1898-P Morgan Dollar (BU) $62
1897-P Morgan Dollar $56 (2 available
1893-CC Morgan PCGS VF-35 $1,580
1891-O Morgan Dollar (XF) $95
1891-O Morgan Dollar $125 (2 available
1891-P Morgan Dollar (BU) $79
1891-S Morgan Dollar $68
1890-S Morgan Dollar (BU) $57
1889-O Morgan Dollar (BU) $62
1889-P Morgan Dollar (BU) $61 (4 available
1888-P (BU)
1888-O Morgan Dollar (BU) $74
1887-P (BU)
1886-P Morgan Dollar (BU) $56 (3 available
1885-CC Morgan (BU+) $748
1885-P Morgan Dollar (BU) $50 (2 available
1884-P (BU)
1884-O (BU)
1884-CC (BU) $314
1883-O (BU)
1883-O NGC MS-62 $60
1883-CC (BU) 320
1882-CC (BU) $320
1880-O “Micro o” Morgan Dollar $70
1880-CC (BU) $645
1880-CC (BU+) video $675
1880-S (BU)
1879-P Morgan (AU)
Peace
1921 Peace Dollar (AU) $263
1921-P Peace (BU) $510
1921 High Relief Peace MS-61 Hand-signed Miles Stanish $640
1926-D Peace “God Dollar” (XF) $74
1928-P Peace (BU) $420
1934-S Peace ANACS XF-40 $145
Commemorative
1920 Pilgrim (XF) $56
1986 Statue of Liberty Silver Dollar w/Bezel $78
1986 Statue Liberty UNC Silver Dollar / Clad Half Set w Box and Certs $29
1986 Statue Liberty PROOF Silver Dollar / Clad Half Set w Box and Certs $29 (2 available
1987 Constitution Mint and Proof Silver Dollars $25ea
1990 PROOF Eisenhower Centennial 90% Silver w/Box and COA $29
1991 USO Silver Dollar Unc w/Box and COA $28
1991 Mount Rushmore Mint and Proof Silver Dollars $30ea (2 available
1992 Quincentenary Proof Silver Dollar $29
1992 White House Silver Unc Dollar w/Box and COA $29
1993 Bill of Rights UNC 2pc Set (Silver Dollar and Clad Half ) w/Box and COA $36
1994 POW Silver Dollar w/Box and COA $48
1995 Civil War Mint and Proof Silver Dollars $37 (2 available
1991-1995 D-Day Mint and Proof Silver Dollars $34ea (2 available
1999 Yellowstone Park UNC Silver Dollar w/Box and COA $34
2001-P Buffalo Proof Silver Dollar IGC PR-69 $96
2001-D Buffalo Silver Dollar ICG MS-69 $96
2002 Salt Lake City Olympic PROOF Silver Dollar w/Box and COA $29
2002 Military Academy Bicentennial UNC Silver Dollar w/Box and COA $28
US Sets
2011 Silver Proof Set 14pc $44
2013 Silver Proof Set 14pc $46
2013-W Proof Silver Eagle and Reverse Proof Set w/Box and COA $209 (2 available
2016 Silver Proof Set 13pc $60
Burnished West Point Unc
2007-W Burnished Silver Eagle w/Box and COA $44
2021-W Burnished Silver Eagle Type-2 $55
Eagle Proofs/Silver
1987-S Proof Silver Eagle w/Box and COA $74 (3 available
1990-S Proof Silver Eagle NGC PF-69 $77
2005-W Proof Silver Eagle w/Box and Coa $73 (2 available
2005-W Proof Silver Eagle NGC PF-70 $90
2011-W Proof Silver Eagle w/Box and COA $84
2017-W Proof Silver Eagle w/Box and COA $70
2019-W Proof Silver Eagle w/Box and COA $70
2020-W Proof Silver Eagle w/Box and COA $70
2020-S Proof Silver Eagle NGC PR-69 $71 (3 available
2021-S Proof Silver Eagle Type-2 PCGS PR69 $75
Coin Albums
Whitman Coin Album (5) $21
Dansco *Sealed 7161 Walking Half Dollars 1941- 1947 $28
.
Post for 1907 $5 Woodchopper, Flying Eagles, Dansco albums books click here<—
.
=== Payment Details
Shipping $4-$9
Venmo or Zelle preferred
PayPal Goods Services+3%
TDBank or ServiceCreditUnion Deposit
Postal Money order
NO FRIENDS FAMILY PPal payments
submitted by LikeMetals to Pmsforsale [link] [comments]
proof photo Current as of May 27th 5pm
IMGUR only allows me to upload a handful of images in a short period of time.
Items in blue text, just click the words and they are already linked to pictures Several more images available just comment or chat/PM*** PLEASE ASK FOR PICTURES IF INTERESTED
[50% Canadian $1.75 Face $15 melt
Gold
Gold 14k Wedding Bell 18" 10.5 Gram Necklace $500
Silver Bullion
Pirate Silver Round (Antiqued) w/Certificate $43 (22 available
Gold 24k Gilded 1.5oz .999 Silver Pirate Round $84 (12 available
2014 Armenia Noah's Ark 1oz $29
World
US Silver Coins
1917-P Standing Liberty Quarter (XF) $80
1945-S Mercury Dime PCGS OGH MS-65 Micro S $135
MORGAN
1903-S Morgan Silver Dollar $129
1902 Morgan Dollar (VG) $52
1900 O/CC Morgan Silver Dollar (VF) $120
1900 O/CC Morgan Silver Dollar (XF) $205
1900-P (BU)
1899-O (BU)
1898-S Morgan (XF) $100
1898-P Morgan Dollar (BU) $62
1897-P Morgan Dollar $56 (2 available
1891-O Morgan Dollar (XF) $95
1891-O Morgan Dollar $125 (2 available
1891-P Morgan Dollar (BU) $79
1891-S Morgan Dollar $68
1890-S Morgan Dollar (BU) $57
1889-O Morgan Dollar (BU) $62
1889-P Morgan Dollar (BU) $61 (4 available
1888-P (BU)
1888-O Morgan Dollar (BU) $74
1887-P (BU)
1886-P Morgan Dollar (BU) $56 (3 available
1885-CC Morgan (BU+) $748
1885-P Morgan Dollar (BU) $50 (2 available
1884-P (BU)
1884-O (BU)
1884-CC (BU) $314
1883-O (BU)
1883-O NGC MS-62 $60
1883-CC (BU) 320
1882-CC (BU) $320
1880-O “Micro o” Morgan Dollar $70
1880-CC (BU) $645
1880-CC (BU+) video $675
1880-S (BU)
1879-P Morgan (AU)
Peace
1921 Peace Dollar (AU) $263
1921-P Peace (BU) $510
1921 High Relief Peace MS-61 Hand-signed Miles Stanish $640
1926-D Peace “God Dollar” (XF) $74
1928-P Peace (BU) $420
1934-S Peace ANACS XF-40 $145
Commemorative
1986 Statue of Liberty Silver Dollar w/Bezel $78
1986 Statue Liberty UNC Silver Dollar / Clad Half Set w Box and Certs $29
1986 Statue Liberty PROOF Silver Dollar / Clad Half Set w Box and Certs $29 (2 available
1987 Constitution Mint and Proof Silver Dollars $25ea
1990 PROOF Eisenhower Centennial 90% Silver w/Box and COA $29
1991 USO Silver Dollar Unc w/Box and COA $28
1991 Mount Rushmore Mint and Proof Silver Dollars $30ea (2 available
1992 Quincentenary Proof Silver Dollar $29
1992 White House Silver Unc Dollar w/Box and COA $29
1993 Bill of Rights UNC 2pc Set (Silver Dollar and Clad Half ) w/Box and COA $36
1994 POW Silver Dollar w/Box and COA $48
1995 Civil War Mint and Proof Silver Dollars $37 (2 available
1991-1995 D-Day Mint and Proof Silver Dollars $34ea (2 available
1999 Yellowstone Park UNC Silver Dollar w/Box and COA $34
2001-P Buffalo Proof Silver Dollar IGC PR-69 $96
2001-D Buffalo Silver Dollar ICG MS-69 $96
2002 Salt Lake City Olympic PROOF Silver Dollar w/Box and COA $29
2002 Military Academy Bicentennial UNC Silver Dollar w/Box and COA $28
US Sets
2011 Silver Proof Set 14pc $44
2013 Silver Proof Set 14pc $46
2013-W Proof Silver Eagle and Reverse Proof Set w/Box and COA $209 (2 available
2016 Silver Proof Set 13pc $60
Burnished West Point Unc
2007-W Burnished Silver Eagle w/Box and COA $44
2021-W Burnished Silver Eagle Type-2 $55
Eagle Proofs/Silver
1987-S Proof Silver Eagle w/Box and COA $74 (3 available
1990-S Proof Silver Eagle NGC PF-69 $77
2005-W Proof Silver Eagle w/Box and Coa $73 (2 available
2005-W Proof Silver Eagle NGC PF-70 $90
2011-W Proof Silver Eagle w/Box and COA $84
2017-W Proof Silver Eagle w/Box and COA $70
2019-W Proof Silver Eagle w/Box and COA $70
2020-W Proof Silver Eagle w/Box and COA $70
2020-S Proof Silver Eagle NGC PR-69 $71 (3 available
2021-S Proof Silver Eagle Type-2 PCGS PR69 $75
Coin Albums
Whitman Coin Album (5) $21
Dansco *Sealed 7161 Walking Half Dollars 1941- 1947 $28
.
Post for 1907 $5 Woodchopper, Flying Eagles, Dansco albums books click here<—
.
=== Payment Details
Shipping $4-$9
Venmo or Zelle preferred
PayPal Goods Services+3%
TDBank or ServiceCreditUnion Deposit
Postal Money order
NO FRIENDS FAMILY PPal payments
2023.05.27 22:13 LoansPayDayOnline Need $100 fast? These lower-cost loans can help.
 | Half of Americans can't afford an unexpected expense, so what happens when they need a car repair or their job sends them home early for a week? For millions, the answer is often a high-cost payday loan that usually carries an exorbitant interest rate. [LOANSANGEL - up to $5,000] submitted by LoansPayDayOnline to LoansPaydayOnline [link] [comments] But better options are now available after years of advocacy from consumer groups and new federal rules. Some large banks now offer small-dollar loans at rates far cheaper than payday loans. Since 2018, six banks — Bank of America, Huntington Bank, Regions Bank, Truist, U.S. Bank and Wells Fargo — let checking-account holders take out short-term loans of $10 to $5,000, making it more affordable to handle a financial emergency or make a purchase. "They require no travel to a branch and no waiting for an online lender to review an application and transmit the funds," the Pew Charitable Trusts wrote in a recent report. "Instead, customers complete short applications via the bank's website or mobile app [LOANSANGEL], and the bank deposits the funds, usually within minutes, into the customer's existing checking account." The typical interest rate on such products, sometimes called installment loans, can rise as high as 18%. But that's less than the nearly 21% average annual percentage rate on credit cards today, and they're far more affordable than the short-term financing peddled to people with poor credit, such as payday, car title or pawn shop loans. Compared with such options, a small bank loan is about 5 times cheaper, Alex Horowitz, who leads Pew's consumer finance research and authored the lending report, told CBS MoneyWatch. Payday loan math: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers. Loan term lengths from 3 to 36 months for qualified consumers. Some states have moved to regulate these loans, with 18 states capping APRs at 36% or less, according to the Center for Responsible Lending. It doesn't take a financial disaster to push people into borrowing. In a 2022 survey, the vast majority of borrowers said they used a payday loan for everyday expenses, such as food, rent or utility bills. Just 16% said they had an emergency expense, and 8% said they used the loan for "something special." \"A lot of Americans don't have much margin for error and need a little help when they get fewer hours at work in a week or have an unexpected expense,\" Horowitz said. Payday loans have one major benefit: They're a fast way to get money if you're desperate. Until recently, banks generally shied away from offering small-dollar loans. It wasn't clear that it was legal for banks to lend without pulling a credit report, the cost of which outweighed the potential profitability of lending a small amount of money to a financially strapped customer. But after guidance from financial regulators in 2020, some banks started offering these products, which rely heavily on automation and a customer's checking account history. Examining how often a customer makes deposits and withdrawals is often a better indicator of whether they can repay a few hundred dollars than a traditional credit report, Horowitz said. Because the process is so automated, there's no way to ask for one, Horowitz noted — a person logs into their bank account, and if they're eligible to ask for a loan they'll see the option. "Banks want to show these loans to people who qualify for them, not people who don't," he said. Some credit unions offer a similar product called a Payday Alternative Loan. Still, Horowitz said that tens of millions of Americans lack options for affordable borrowing in a pinch, and Pew is pushing for more banks to offer this option. LoansAngel makes possible to request such financial services as personal, installment and payday loans with a single application form. Such solution will help to find more options for your clients. Loan amounts may vary from $100 to $5,000. |
2023.05.27 21:25 Dry_Sink3350 Unionbank to XM trading via Dragonpay transaction limit.
Is the limit really only 100k per day? Because when depositing more than 100k PHP, the option for UnionBank disappears from Dragonpay's choices. And if you successfully deposit in the first try and you deposited again the 2nd time, it says it's already at the limit. But my transaction limit is 500k, and last month I was able to deposit more than 100k PHP. Is this how it is now?
submitted by Dry_Sink3350 to phinvest [link] [comments]
2023.05.27 21:02 Asleep-Flan-6960 Finally got my foot in the door
 | submitted by Asleep-Flan-6960 to u/Asleep-Flan-6960 [link] [comments] |
2023.05.27 20:09 alvaa011 Credit Union vs bank?
Hey guys,
I am thinking about switching from my bank (TD) to a credit union. TD bank has been charging me a $25 a month maintenance fee which I think is ludicrous. I’ve never really understood credit unions.
Are there any drawbacks or limitations with keeping your money in a credit Union vs a bank? I always chose TD because there’s once walking distance to me and I run a cash intensive business. I make various cash deposits throughout the month and it’s always been convenient.
I am at a point now where I am holding onto my cash a little tighter and I’m starting to cut back where I can. $25 a month for a checking account is crazy to me. I was looking into other banks but it seems everyone agrees a credit union is the way to go.
Are there any reasons I shouldn’t use a credit Union? Any cons?
Any info helps!
submitted by alvaa011 to personalfinance [link] [comments]
I am thinking about switching from my bank (TD) to a credit union. TD bank has been charging me a $25 a month maintenance fee which I think is ludicrous. I’ve never really understood credit unions.
Are there any drawbacks or limitations with keeping your money in a credit Union vs a bank? I always chose TD because there’s once walking distance to me and I run a cash intensive business. I make various cash deposits throughout the month and it’s always been convenient.
I am at a point now where I am holding onto my cash a little tighter and I’m starting to cut back where I can. $25 a month for a checking account is crazy to me. I was looking into other banks but it seems everyone agrees a credit union is the way to go.
Are there any reasons I shouldn’t use a credit Union? Any cons?
Any info helps!
2023.05.27 19:05 GlassResident171 How to Hack and “Fix” a Bad Credit Score How to Improve a Bad Credit Score.
To fix a bad credit score, understand the basic contributors to credit—including whether you pay your bills on time and whether you carry balances on credit cards—and identify the factors that are making a negative impact. Checking for errors on your credit report is also an important step. [[email protected]](mailto:[email protected])
Your credit score is a three-digit number, usually between 300 and 850, that's based on the information in your credit report. It's valuable for lenders, who need to understand how likely you are to repay money you borrow.
While there are several credit scoring models with different score ranges, 700 or higher is generally considered a good credit score, while 800 or higher is excellent. If your score isn't quite in that range, here's how to get it back in shape. [[email protected]](mailto:[email protected])
What Is a Bad Credit Score?
On the FICO® Score☉ 8 scale of 300 to 850, one of the credit scores lenders most frequently use, a bad credit score is one below 670. More specifically, a score between 580 and 669 is considered fair, and one between 300 and 579 is poor.
VantageScore®, another credit scoring model which was developed by the three main credit bureaus (Experian, TransUnion and Equifax), also uses a scale ranging from 300 to 850. But its definitions associated with each score range vary slightly. A VantageScore from 601 to 660 is considered fair, from 500 to 600 is poor, and from 300 to 499 is very poor.
The higher your credit score, the more likely you are to qualify for credit, and at better interest rates and terms. If your score is low, it can be difficult to obtain affordable credit or to get approved for a loan or credit card at all. [[email protected]](mailto:[email protected]) You can think of maintaining good credit as preventive medicine. You don't know when something might come up, like a breakup that means having to find a new apartment fast, but good credit can help you handle any affliction with less hassle.
A bad credit score can lead to these roadblocks:
Credit scores aren't static; they change when the information in your credit report changes. That means you can take control of your financial health now, and make moves that will positively affect your credit scores. Here's how. [[email protected]](mailto:[email protected]) Check Your Free Credit Score
If a card has a high annual fee and you're no longer using it, weigh the potential tradeoffs of a shorter credit history with the money you could save. [[email protected]](mailto:[email protected])
Credit mix, or the range of credit types you have in your name, makes up 10% of a FICO® Score. You don't need to take out a new loan merely to diversify your credit mix. But dependably managing a credit card is one of the most effective ways to maintain a good credit score. So if you haven't opened your own credit card in the past, consider applying for a secured credit card, which will require a deposit that typically also becomes your credit limit.
If you take these steps and still find yourself struggling, getting help FROM A MISTANONYMOUS will allow you to get back on track.
Be wary of any organization that promises to repair your credit with little or no time or effort. Improving your credit status takes time. Ultimately, there's nothing a credit repair company does that you can't do yourself with time and effort. [[email protected]](mailto:[email protected]) The Bottom Line
A bad credit score doesn't have to weigh you down. There are concrete actions you can take today and in the future to improve it, and to keep your score as high as possible.
Knowing where you stand, and making it a point not to avoid the reality of your credit status, are perhaps the most important ongoing tactics in the drive to improve credit. Check your credit report and score regularly using a free online service like the one available from Experian, and feel empowered knowing you can master your own financial well-being.
[[email protected]](mailto:[email protected])
submitted by GlassResident171 to u/GlassResident171 [link] [comments]
Your credit score is a three-digit number, usually between 300 and 850, that's based on the information in your credit report. It's valuable for lenders, who need to understand how likely you are to repay money you borrow.
While there are several credit scoring models with different score ranges, 700 or higher is generally considered a good credit score, while 800 or higher is excellent. If your score isn't quite in that range, here's how to get it back in shape. [[email protected]](mailto:[email protected])
What Is a Bad Credit Score?
On the FICO® Score☉ 8 scale of 300 to 850, one of the credit scores lenders most frequently use, a bad credit score is one below 670. More specifically, a score between 580 and 669 is considered fair, and one between 300 and 579 is poor.
VantageScore®, another credit scoring model which was developed by the three main credit bureaus (Experian, TransUnion and Equifax), also uses a scale ranging from 300 to 850. But its definitions associated with each score range vary slightly. A VantageScore from 601 to 660 is considered fair, from 500 to 600 is poor, and from 300 to 499 is very poor.
The higher your credit score, the more likely you are to qualify for credit, and at better interest rates and terms. If your score is low, it can be difficult to obtain affordable credit or to get approved for a loan or credit card at all. [[email protected]](mailto:[email protected]) You can think of maintaining good credit as preventive medicine. You don't know when something might come up, like a breakup that means having to find a new apartment fast, but good credit can help you handle any affliction with less hassle.
A bad credit score can lead to these roadblocks:
- Potential rejection for loans and lines of credit.
- Difficulty getting a rental application approved.
- Required security deposits.
- Trouble getting a new cell phone contract.
- Issues during an employment background check.
- Higher insurance premiums in some states.
Credit scores aren't static; they change when the information in your credit report changes. That means you can take control of your financial health now, and make moves that will positively affect your credit scores. Here's how. [[email protected]](mailto:[email protected]) Check Your Free Credit Score
- Pay Your Bills on Time
- Pay Down Debt
- Avoid New Hard Inquiries
- Boost Your Credit Score with A Professional Hacker
- Get Help Building Credit Score with A Professional Hacker How to Maintain a Good Credit Score
If a card has a high annual fee and you're no longer using it, weigh the potential tradeoffs of a shorter credit history with the money you could save. [[email protected]](mailto:[email protected])
Credit mix, or the range of credit types you have in your name, makes up 10% of a FICO® Score. You don't need to take out a new loan merely to diversify your credit mix. But dependably managing a credit card is one of the most effective ways to maintain a good credit score. So if you haven't opened your own credit card in the past, consider applying for a secured credit card, which will require a deposit that typically also becomes your credit limit.
If you take these steps and still find yourself struggling, getting help FROM A MISTANONYMOUS will allow you to get back on track.
Be wary of any organization that promises to repair your credit with little or no time or effort. Improving your credit status takes time. Ultimately, there's nothing a credit repair company does that you can't do yourself with time and effort. [[email protected]](mailto:[email protected]) The Bottom Line
A bad credit score doesn't have to weigh you down. There are concrete actions you can take today and in the future to improve it, and to keep your score as high as possible.
Knowing where you stand, and making it a point not to avoid the reality of your credit status, are perhaps the most important ongoing tactics in the drive to improve credit. Check your credit report and score regularly using a free online service like the one available from Experian, and feel empowered knowing you can master your own financial well-being.
[[email protected]](mailto:[email protected])
2023.05.27 18:55 GiversBot /u/Late-Scientist-6558 [REQ] was deleted from /r/borrow on 2023-05-27 (t3_13sq8dk up 0.77 days)
Late-Scientist-6558 deleted from /borrow
I know this sounds formal but this is the same letter I used to apply for a loan from my local credit union but edited to remove my personal information. Please DM me for any personal information that would make you more comfortable.
Dear Sir or Madam,
I am requesting a loan of $1,500 for the purpose of interning this summer with the intent of paying the loan off on September 1, 2023 at $2,000.
I am currently a graduate student. I plan to work an unpaid internship for my graduate program this summer and will use this loan to carry me over the summer. At the end of this summer I plan to use my Fall 2023 financial aid to pay off this loan in full at 2000.
I have attached my previous years college financial aid data to this post so you are aware that I can pay the amount in full when I receive my aid in August. I hope that this, combined with my graduate student status are enough to see that I am a good candidate for this personal loan.
I look forward to your response. I would greatly appreciate it. See link below.
Can provide proof of student aid that I will receive in August.
Best,
K
submitted by GiversBot to borrowdeletes [link] [comments]
- Link to the deleted post
- Was a selfpost with score: 0
- Submitted 2023-05-26 22:19 (UTC)
- Was up for for approx 0.77 days
- Probably deleted within the past 0.01 days
- Was last seen up around 2023-05-27 16:44 (UTC)
- Deletion detected at 2023-05-27 16:55 (UTC)
Active loans
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Title
[REQ] ($1,500) - (#Tallahassee, Florida, USA), ($2,000 repayed on 9/1/2023) (Bank Transfer)
Post contents
Dear Sir or Madam,
I am requesting a loan of $1,500 for the purpose of interning this summer with the intent of paying the loan off on September 1, 2023 at $2,000.
I am currently a graduate student. I plan to work an unpaid internship for my graduate program this summer and will use this loan to carry me over the summer. At the end of this summer I plan to use my Fall 2023 financial aid to pay off this loan in full at 2000.
I have attached my previous years college financial aid data to this post so you are aware that I can pay the amount in full when I receive my aid in August. I hope that this, combined with my graduate student status are enough to see that I am a good candidate for this personal loan.
I look forward to your response. I would greatly appreciate it. See link below.
Can provide proof of student aid that I will receive in August.
Best,
K
2023.05.27 18:26 discreditcampaign917 May 27, 2023 Update
Re:
Over the past year and a half, following my complaint to the EEOC, I have continuously been subjected to harassment and retaliation by my former employer. The situation escalated when I came across an audiotape revealing the company's VP of Finance discussing financial fraud. I have attached my EEOC complaint and rebuttal to provide you with a better understanding of this situation. The company has embarked on a campaign of retaliation and attempts to cover up the truth. Recently, I discovered that my phone was under surveillance by private investigators hired by my previous employer, Socure Inc. As mentioned earlier, this harassment began at my local YMCA, where multiple individuals were instructed to participate in a planned campaign targeting me. Socure extended their actions beyond the YMCA by continuously tracking my cellphone's location wherever I went. Initially, I suspected I was being followed, but I later realized that my phone had been compromised. My messages and calls were being monitored, and even my home internet seemed to be tapped into. Furthermore, I have reason to believe that my bank transactions were being monitored as well. I am being targeted because I disclosed illegal activities involving the VP of Finance, which he was afraid to share. I’m one hundred percent certain that Socure hacked into my cellphone to eavesdrop on all conversations. Any and all things that I discuss with my wife would later be discussed amongst gym goers, at multiple Mosque, and random places I often visit. I have attached my EEOC compliant for further assessment of this situation.
The following individuals, whom I suspect were compensated, were involved in collecting information about me and fabricating false allegations:
* Sonia Atherly, the Director of the YMCA
* Stephin Roberts, a YMCA member who became a friend
* Ade A. (last name unknown), a YMCA member who became a friend
* Andre Nelson, a friend from Downtown YMCA Brooklyn whom I haven't spoken to in two years
* Austin Hill, a YMCA member who accompanied Andre Nelson
* Ethan, a YMCA member (last name unknown)
* Torell Taylor, a YMCA member
* Multiple neighbors: units 5A, 5F, and 2X PHE
* Serdar Cam, former neighbor and new neighbor at 322 Gates Ave
* Trevor (last name unknown), a YMCA member
* Justin (last name unknown), a YMCA member
* An unidentified female YMCA member who unexpectedly appeared at a restaurant where my wife and I were in Puerto Rico
* Gavin Tseng, a former friend who orchestrated a scheme involving real estate and a startup concept
Retaliations took place at the following locations:
* Bedford-Stuyvesant YMCA: 1121 Bedford Ave, Brooklyn, NY 11216
* Brooklyn Mosque Khalifa: 120 Madison St, Brooklyn, NY
* Islamic Mission of America/Dawood Mosque: 143 State St, Brooklyn, NY 11201
* Airport Travels: JFK AirTrain
* Puerto Rico Vacation: Hilton Hotel
* Trip to Milwaukee: Airbnb rental at 1028 East Juneau Avenue, Unit 416, Milwaukee, WI 53202
* Supermarket in Brooklyn: 1420 Fulton St, Brooklyn, NY 11216
* Multiple Banking Institutions: Chase at 1380 Fulton St, Brooklyn, NY 11216 & TD Bank at 957 Marcy Ave, Brooklyn, NY 11216
* Multiple NYC Train Platforms: Hoyt–Schermerhorn Streets station & 125th Street Station
* Apartment Building: 322 Gates Ave, Brooklyn, NY 11216
Types of framing and allegations being built against me:
* Resume fraud
* Real estate fraud
* Influencing people to file lawsuits
* Influencing neighbors to complain
* False restaurant reporting
* False robbery attempt
* And more...
Bedford-Stuyvesant YMCA Director, Sonia Atherly - Staged Office Phone Video Recording:
Sonia Atherly, the director of the Bedstuy YMCA, participated in a retaliatory campaign. On September 29, 2022, she requested a meeting with me in her office. During our conversation, she pulled out her phone and began recording from her work monitor, alleging that a masked individual had entered the gym. She even asked me to view the video footage. While I complied, her phone continued recording, capturing my voice in the process. This action appears to be an attempt to counter the accusations made by the VP of Finance regarding fraudulent activities and manipulate my voice recordings to paint a negative picture of my behavior. In response to my concerns, the YMCA director provided the following reply: "Hi Lou. I believe that it was on Tuesday, and I was actually taking photos, so no, your voice would not have been captured in any way. To be clear, we do not record conversations at the Y in any way, shape, or form unless we have signed event waivers. I hope this clarifies the matter for you." On September 30, 2022, Sonia orchestrated an incident where the same individual showed up at the front desk as I was leaving, hoping to provoke a response from me and involve me in their investigation. For months, non-members of the YMCA were allowed to come into the facility and harass me while surveillance cameras were purposely turned off to destroy any possible evidence.
Bedford-Stuyvesant YMCA Program Coordinator, Jeff (Damian Best):
Upon my arrival at the basketball gym, Jeff, the program coordinator, and a parent with her child were already present. After requesting Jeff to wait a few more minutes, the parent engaged in a heated argument with him, demanding to know why her child couldn't participate since no one else was there. I reassured her that while I didn't mind, Jeff was responsible for setting the rules. She eventually left the gym in an angry state. Their intention was to have me report the incident to management and portray me as someone who constantly complains. On October 4, 2022, I sent an email to myself for record-keeping purposes.
Bedford-Stuyvesant YMCA Member, Ade (last name starting with "A"):
On Saturday, October 8, 2022, Ade and I agreed to meet for a late lunch at "The Green Place" in Brooklyn. I noticed that he kept referencing financial figures related to specific people he worked with. I suspect he has also been recruited to participate in Socure's retaliation against me. Their goal is to capture recordings of me to use them against me, claiming that I habitually record people. Ade also expressed dissatisfaction with the YMCA's adult open gym times during Saturday's basketball hours. He mentioned having discussed it with the front desk. On October 9, 2022, Ade sent me a screenshot of the YMCA's response to his request. It's important to note that I never made any complaints. As someone who lives near the YMCA and often wakes up early, I told him, "I don't want to play." Once again, Socure is attempting to build a case portraying me as someone who incessantly complains and records people to divert attention from their own misconduct. Multiple members were instructed to complain to me so that my name can be implicated. I believe that individuals are being compensated to assist them. In early May 2023, both Ade and Stephin Roberts repeatedly interrupted my workout in an attempt to initiate a conversation with me.
Bedford-Stuyvesant YMCA member, Stephin Roberts - Staged information gathering:
Stephin Roberts, a fellow YMCA member, unexpectedly called me after we crossed paths at the gym, which was an unusual occurrence. We exchanged brief greetings, and I proceeded with my workout. I suspect that his intention in calling me was to record our conversation and use it against me, falsely claiming that I frequently record people, which is entirely untrue. Given that my cellphone was being tracked, it seemed that whenever I left my home, I would coincidentally encounter Mr. Roberts. He had been instructed to fabricate a false DUI incident to elicit personal information from me regarding a case on my record that had been expunged. During our conversation, I shared a past experience of mine involving a car accident I had when I was younger while dating someone, as well as my advice on expungement, recounting a personal incident that happened to me. At the time, I thought Mr. Roberts was a genuine person with good intentions. I believe Socure will be attempting to coordinate and get me arrested for theft or burglary based on the previous expunged records, trying to paint a negative image of who I am. I believe Stephin Roberts has been recording me as a tactic instructed by Socure's private investigator.
Friend from Downtown YMCA Brooklyn whom I haven't spoken with in two years, Andre Nelson at Bedford-Stuyvesant YMCA:
I haven't had any communication with Andre Nelson for more than two years. However, he unexpectedly appeared at the gym I regularly attend on a Wednesday evening, despite it not being in close proximity to his residence. Subsequently, Mr. Nelson started frequenting the gym with his friend Austin Hill. Together, they began coordinating with YMCA members, informing them about my situation with Socure. Within one week, one of Austin Hill's Facebook friends reached out to me, mentioning a potential collaboration with someone they knew, namely Austin Hill. As I stated, I've never met Mr. Hill nor had any connection with people he knew outside of Mr. Nelson. When I encountered Mr. Hill during the following open gym session, he acted as though nothing had transpired, and I played along. Additionally, Austin requested certain documents from me for his business, but I never fulfilled his request. To confirm my suspicions that Austin was attempting to set me up, I orchestrated an event by telling him, "Yeah, man, girls don't care if you have a ring on. They will approach you. Come to this bar tonight." Upon my arrival at the bar a few minutes later, a woman wearing a wedding band tried to get my attention. However, I sensed that it was a staged occurrence. When Andre Nelson and Austin Hill arrived, they infiltrated the group of members, instructing them to provoke me during the basketball game while secretly recording my reactions. At one point, a member named Justin threw a water bottle, and the situation escalated.
Bedford-Stuyvesant YMCA member, Trevor - Staged information gathering:
Trevor started asking and mentioning multiple work-related questions. On October 7, 2023, he mentioned having a quarterly review and asked for suggestions. Within weeks later, Trevor asked me if I knew any lawyers as he was dealing with a housemaid who was suing him. This same situation happened with more than two other members (Stephin Roberts, Kadeem Kirsten) in which they asked me attorney-related questions. I believe he was instructed to record our conversations.
Bedford-Stuyvesant YMCA member, Torrell Taylor:
As previously mentioned, I believe that the YMCA's Director is monitoring my interactions with other gym members in order to collaborate with them. Their objective is to falsely claim that "Lou is influencing people to document incidents," all with the intention of tarnishing my reputation. Additionally, Socure allegedly requested Torrell to open a restaurant in downtown Brooklyn as part of their scheme to build a case against me. YMCA member Justin repeatedly approached me, informing me that Torrell had opened a restaurant with poor-quality food and suggested I visit. Upon receiving this information from Torrell himself, I decided to pay the restaurant a visit. However, Torrell was not present during my first visit. I attempted a second visit, only to discover that the restaurant was closed. When I texted Torrell to inquire about the closure, he responded that there had been an issue with the owner's licensing. It is apparent to me that this was a staged event orchestrated by Socure to fabricate a case against me by falsely claiming that I reported violations against Torrell's restaurant. As mentioned earlier, I strongly believe that my phone was being tracked, and it is possible that a separate line was used to make false reports under my information.
Furthermore, my emails were also subjected to hacking.
Wireless Earbuds Planned at the Bedford-Stuyvesant YMCA open gym by Kadeem Kirsten - early 2022:
To ensure my privacy and personal space during the YMCA open gym sessions, I started choosing a spot away from others. I made sure to thoroughly clean the area where I sat, removing any bottles, wipes, or other items. After finishing my workout, I briefly went to the bathroom, and upon my return, I noticed a wireless earbud near the window close to my chair. I suspect that Khadim Kirsten intentionally placed the earbud there as he kept watching me closely. Mr. Kirsten also asked me for legal advice as well as a UX Designer, the same exact topic that Gavin Tseng asked me. Mr. Kirsten is one of those new members who never came to the YMCA. Upon rejecting Socure's settlement offer in January 2023, that's when all of these new members started coming to open basketball nights.
Mosque Khalifa on Bedford Ave: Sept 2, 2022, at 120 Madison St, Brooklyn, NY, United States, New York:
During the service at Mosque Khalifa on Bedford Ave, the preacher persistently addressed a specific topic related to my case. He made references to "a brother within this community, one of our own, who made a recording" in an apparent attempt to divert attention to the tape I had recorded. Following my complaint to the EEOC through email, the recording was promptly deleted on the same day, which I later submitted to the EEOC. I started attending Islamic Mission of America/Dawood Mosque at 143 State St, Brooklyn, NY 11201, and immediately, I was followed by an individual who repeatedly tried to have a conversation with me. I was also followed to a Mosque in Harlem, NY.
T-Mobile Visit Tracking / Unauthorized new number added at 574 Atlantic Ave, Brooklyn, NY 11217:
Concerned about the security of my internet connection with Verizon, I visited T-Mobile to add a new line specifically for internet access. To my surprise, shortly after arriving at the store, a male approached the same register I was standing at and started asking questions. A few days after leaving the store, I discovered that a new phone line had been added to my T-Mobile account without my knowledge or consent. I promptly contacted T-Mobile customer service to inquire about the data usage associated with that particular number, but unfortunately, I did not receive the requested information. I believe Socure hacked my home network, such as my laptop, tablet, Television and home camera. For the past year and a half, Socure has managed to view all of my browsing history. I believe they kept contacting lawyers that I reached out to after every visit I made on their website to avoid me from being represented. In additional, after noticing that my email accounts were hacked, I wrote a statement indicating that my emails were hacked in which I got notarized at TD Bank.
Grocery Shopping Brooklyn:
During my visit to the local supermarket, I noticed several individuals following me closely, paying particular attention to the food items I was selecting and the card I used for payment. I believe I was being followed long before I started to notice.
* May 8, 2023, at 1420 Fulton St, Brooklyn, NY 11216
* May 1, 2023, at 1420 Fulton St, Brooklyn, NY 11216
Online Job Targeting:
I have been repeatedly targeted for specific jobs and companies, which I believe are staged by Socure, just as they did by involving me in a company backed by their investors to stage multiple events against me while interfering with my employment. I was lured into Plural, formerly known as Civic Eagle, where multiple African American candidates who did not qualify were being hired without my knowledge. All whom I’ve never spoke with. I suspect that Socure somehow gained access to my T-Mobile account and requested my entire call history to monitor my communications. Furthermore, I believe that when I sought legal counsel after receiving the EEOC's authorization to file a lawsuit, Socure clandestinely intervened in my calls to every law firm I contacted.
Puerto Rico Vacation on Dec 23, 2022:
Upon our arrival at our room in Puerto Rico, we noticed a black male who entered a room adjacent to ours shortly after us. However, after a couple of days, we did not see him again.
During a visit to a restaurant in Puerto Rico, I recognized the hostess as the same woman I had encountered multiple times at the YMCA. She had her head covered with a white scarf. As I was seated facing the entrance, she deliberately made eye contact with me, seemingly aware that I recognized her. After finishing lunch, this same woman followed us to the waterfront and watched us closely.
Neighbor Tracking Movement at 322 Gates Ave, Brooklyn, NY 11216:
Every time I left my building, I noticed a consistent pattern where the neighbor from 5F would coincidentally head towards the elevator, wait in the lobby, and enter the building exactly at the same time. This behavior raised suspicions and led me to believe that individuals from 5A were strategically positioned next door, potentially tapping our walls to eavesdrop on our conversations. The neighbor in 5A, whom I knew through the YMCA, repeatedly complained about the building while urging me to submit a work order. I also suspect that Socure assisted one of my former neighbors, Serdar Cam, in moving into the building after they discovered my text messages about potentially moving there. Immediately after moving in, Serdar started complaining as well. I believe Socure was involved in placing a previous female tenant in the building, who also complained to me on multiple occasions about the building.
Uber License Training:
Once again, Socure monitored the location of my phone and deployed individuals to the classroom where I was attending classes in Long Island City in early March 2023. After completing the classes, I became too afraid of potentially facing false rider allegations.
New Open Gym Invitation by Bedford-Stuyvesant YMCA member Ethan, Andre Nelson was present on March 2, 2023, at 300 Adelphi, Brooklyn, NY 11205:
Ethan, a fellow YMCA member, invited me to join him at a nearby gym. To my surprise, Andre Nelson was also in attendance. While playing on the court, I noticed one of the players guarding me had a conspicuous microphone attached to them, and an Asian woman diligently captured footage from different angles with a video camera. I believe they were recording my voice and actions on the court. Additionally, it seems that after complaining about what happened at the YMCA, members are being instructed to engage me outside the YMCA to diffuse the situation. This incident further raised my suspicion that our apartment might be under surveillance, as I had previously mentioned Andre Nelson's presence at the open gym to my wife. Moreover, during the open run, I noticed the unexpected presence of multiple YMCA members from the Downtown Brooklyn location, whom I hadn't encountered in the past four years. I firmly believe that Andre Nelson orchestrated their participation and that they were strategically placed as collaborators by Socure.
New Gym Invites
After fully understanding that I knew about all of the plans in place at the YMCA, with the help of the YMCA Director, Sonia Atherly, multiple members were told to invite me to other gyms to built a campaign of “ this is Lou everywhere he goes”. Over six plus individuals were asked to invite me to new open gyms and men’s league to play in. This is all to avoid further problems at the gym.
Real Estate / Startup Venture Inquiry by Gavin Tseng:
Due to ongoing targeting, I decided to distance myself from everyone for months. However, my friend Gavin Tseng, whom I knew while living in Downtown Brooklyn, repeatedly invited me to his upstate home and wanted me to see properties he was interested in purchasing. It was quite unusual that Mr. Tseng would frequently text me, asking about my availability on specific days. I suspect that Mr. Tseng was recording our conversations during the trips and multiple phone calls, where he sought my help with UX Designing for his apartment rental car service. I believe Socure conducted research on my past work history, including my involvement in a Delegate campaign in Maryland for a real estate professional. I suspect that Socure fabricated false accusations against this individual and used my information to create misleading claims, leveraging my network and devices.
Subways / Stores Staged Evidence Building:
Regardless of the subway station I find myself in, I consistently experience being followed by random individuals who are instructed to approach me closely while holding their cellphones up to my face and posing questions. On multiple occasions, I recall three females approaching me seeking guidance regarding subway directions, and I willingly offered my assistance. However, I have recently become aware that individuals, including camera operators, have been capturing these interactions on film as part of what appears to be a deliberate campaign to discredit me.
March 28, 2023 - Travel to Milwaukee:
While traveling to Milwaukee for a getaway from my wife after several disputes, I noticed that I was being followed at the airport. The surveillance continued throughout my stay at the Airbnb located at 1028 East Juneau Avenue, Unit 416, Milwaukee, WI 53202, from March 28, 2023, to April 11, 2023. I also experienced being followed at the Hertz car rental at 804 Vel R. Phillips Ave, Milwaukee, WI 53203, on April 6, 2023, and at the Pleasant Prairie Premium Outlet at 11211 120th Ave, Pleasant Prairie, WI 53158, on the same day.
April 12, 2023 - Returning back from Milwaukee:
Immediately after arriving back in New York City from my two-week vacation, at around 3:45 pm ET, just two minutes after landing, I received a text message from a YMCA member whom I hadn't communicated with in over three weeks. The message mentioned something along the lines of "See you tonight," which I promptly deleted. This unmistakable occurrence served as a clear indication that my phone was under surveillance and being tracked.
April 21, 2023 & May 7, 2023 - Vitamin Shoppe at 12 4th Ave, Brooklyn, NY 11217:
As I entered the Vitamin Shoppe in Downtown Brooklyn on Atlantic Ave, I noticed that I was being followed. While at the checkout counter, an African American gentleman positioned himself next to me, seemingly eavesdropping on my account information and the items I was purchasing. I strongly suspect that a similar incident occurred during my previous visit on April 21, 2023, although I was not actively observing at that time.
On May 6, 2023, between 11:30 am - 12:45 pm - JFK AirTrain:
Once again, I became aware that my phone was being tracked. I accompanied my wife to the airport as she was departing for Milwaukee. Upon arriving at the station, an assertive African American woman in her late 30s hurriedly approached us, despite the presence of multiple station operators. She aggressively stopped us and began asking for directions. Sensing something amiss, I promptly distanced myself from the situation while my wife attempted to assist her with the directions.
Friday, May 11, 2023 at Costco Eyewear at 517 E 117th St, New York, NY 10035: While I was sharing my information, a woman in her late 50s approached the counter and closely observed my personal details. I have come to believe that Socure has someone at Chase informing them of my location whenever I use my Chase bank card. The day before, I made purchases with my Chase card at Costco.
Friday, May 11, 2023 at Costco at 517 E 117th St, New York, NY 10035: While conversing with a product representative at Costco, a young female employee in her late teens or early twenties approached with an older Senegalese gentleman in his late 60s. The gentleman sought assistance with a product due to his limited English proficiency. As he showed me his phone up close, I noticed someone recording our interaction from a distance. Once again, I felt as though I was being followed. It seems that a private investigator was aware of my recent purchase of fish oil at Vitamin Shoppe on May 7, 2023, as well as my pursuit of becoming a personal trainer. They orchestrated the scenario with the gentleman asking me specific questions about fish oil. It's worth noting that the material I was studying for personal training explicitly states that trainers should not recommend any medication to individuals.
Saturday, May 13, 2023, at Hoyt Station in Brooklyn: Once more, I found myself being followed into the train station. While I was waiting there, a woman approached me once again, seeking directions. Without hesitation, I gestured towards someone else nearby and firmly replied, "No, ask her." Interestingly, there was a man across the platform holding two cameras, capturing the entire interaction between us. Following the unsuccessful attempt, the woman conversed with the man briefly before they both boarded the train.
Saturday, May 13, 2023, at Bedford and Quincy in Brooklyn: As I neared my apartment building, I noticed two cameramen once again attempting to record me. Sensing their presence and their intention to cross the street, I quickly changed course and crossed over to the other side, putting some distance between us.
Saturday, May 13, 2023 - TD Bank at 957 Marcy Ave, Brooklyn, NY 11216: While I was withdrawing cash from the ATM, a white male in his late 20s, accompanied by a dog, was recording me from outside. I also believe Socure did some digging into all of my transactions at my local banks, such as Chase and TD Bank.
Saturday, May 13, 2023 - Credit Card information altered: When I logged into my Discover Credit Card account, I observed that my information had been modified.
Monday, May 14, 2023 - Best Buy Brooklyn at 625 Atlantic Ave Ste A7, Brooklyn, NY 11217: Upon reaching the printing department at 12:14 pm ET, I was harassed by an African American woman in her late 60s. I ignored her and left through the opposite side, but she continued to follow me and tried to engage in a conversation.
Tuesday, May 16, 2023, at Target 517 E 117th St Suite 201, New York, NY 10035, at 10:46 am ET: Upon realizing that I was aware of the cover-up occurring, where individuals were tailing me and inquiring with their phones in hand, Socure strategically positioned an African gentleman near the entrance of the targeted bathroom. They had been closely observing my actions. Remarkably, this man was dressed identically to me during the incident that unfolded on Friday, May 11, 2023
While waiting in line, I believe a Senegalese couple were instructed to chat about illegal activities intentionally while I was behind them and they absurdly moved to another line.
Tuesday, May 16, 2023 - Cohen’s Fashion Optical at 86 W 125th St, New York, NY 10027: While retrieving my reading glasses from Costco, I discovered that the prescription was stronger than what was indicated in the eye examination. The lenses ended up negatively impacting my vision. I requested to review the physician's notes from the exam, but despite waiting for over 30 minutes, they were unable to provide any documentation as the physician was acting very strange. Instead, they gave me evasive responses, leading me to ultimately leave without a resolution.
May 18, 2023 - Chase Bank at 1380 Fulton St, Brooklyn, NY 11216 @ 12 PM ET: Around 12 PM ET on May 18, 2023, at Chase Bank on Fulton Ave in Brooklyn, I experienced another incident I believe involves Socure. An individual was sent to tail me, and it began at TD Bank where this person approached the teller in an ostentatious manner, loudly expressing their intentions. I suspect this encounter was being recorded in an attempt to frame a robbery on me. It seems that Socure is continuously monitoring my activities, possibly as a diversion from the fact that their former CFO was untrustworthy. Regardless of where I go, I am constantly being followed, with new tactics being devised every time I step outside my home.
I’m writing to put a stop to this targeting and ongoing harassment.
submitted by discreditcampaign917 to u/discreditcampaign917 [link] [comments]
Re:
Over the past year and a half, following my complaint to the EEOC, I have continuously been subjected to harassment and retaliation by my former employer. The situation escalated when I came across an audiotape revealing the company's VP of Finance discussing financial fraud. I have attached my EEOC complaint and rebuttal to provide you with a better understanding of this situation. The company has embarked on a campaign of retaliation and attempts to cover up the truth. Recently, I discovered that my phone was under surveillance by private investigators hired by my previous employer, Socure Inc. As mentioned earlier, this harassment began at my local YMCA, where multiple individuals were instructed to participate in a planned campaign targeting me. Socure extended their actions beyond the YMCA by continuously tracking my cellphone's location wherever I went. Initially, I suspected I was being followed, but I later realized that my phone had been compromised. My messages and calls were being monitored, and even my home internet seemed to be tapped into. Furthermore, I have reason to believe that my bank transactions were being monitored as well. I am being targeted because I disclosed illegal activities involving the VP of Finance, which he was afraid to share. I’m one hundred percent certain that Socure hacked into my cellphone to eavesdrop on all conversations. Any and all things that I discuss with my wife would later be discussed amongst gym goers, at multiple Mosque, and random places I often visit. I have attached my EEOC compliant for further assessment of this situation.
The following individuals, whom I suspect were compensated, were involved in collecting information about me and fabricating false allegations:
* Sonia Atherly, the Director of the YMCA
* Stephin Roberts, a YMCA member who became a friend
* Ade A. (last name unknown), a YMCA member who became a friend
* Andre Nelson, a friend from Downtown YMCA Brooklyn whom I haven't spoken to in two years
* Austin Hill, a YMCA member who accompanied Andre Nelson
* Ethan, a YMCA member (last name unknown)
* Torell Taylor, a YMCA member
* Multiple neighbors: units 5A, 5F, and 2X PHE
* Serdar Cam, former neighbor and new neighbor at 322 Gates Ave
* Trevor (last name unknown), a YMCA member
* Justin (last name unknown), a YMCA member
* An unidentified female YMCA member who unexpectedly appeared at a restaurant where my wife and I were in Puerto Rico
* Gavin Tseng, a former friend who orchestrated a scheme involving real estate and a startup concept
Retaliations took place at the following locations:
* Bedford-Stuyvesant YMCA: 1121 Bedford Ave, Brooklyn, NY 11216
* Brooklyn Mosque Khalifa: 120 Madison St, Brooklyn, NY
* Islamic Mission of America/Dawood Mosque: 143 State St, Brooklyn, NY 11201
* Airport Travels: JFK AirTrain
* Puerto Rico Vacation: Hilton Hotel
* Trip to Milwaukee: Airbnb rental at 1028 East Juneau Avenue, Unit 416, Milwaukee, WI 53202
* Supermarket in Brooklyn: 1420 Fulton St, Brooklyn, NY 11216
* Multiple Banking Institutions: Chase at 1380 Fulton St, Brooklyn, NY 11216 & TD Bank at 957 Marcy Ave, Brooklyn, NY 11216
* Multiple NYC Train Platforms: Hoyt–Schermerhorn Streets station & 125th Street Station
* Apartment Building: 322 Gates Ave, Brooklyn, NY 11216
Types of framing and allegations being built against me:
* Resume fraud
* Real estate fraud
* Influencing people to file lawsuits
* Influencing neighbors to complain
* False restaurant reporting
* False robbery attempt
* And more...
Bedford-Stuyvesant YMCA Director, Sonia Atherly - Staged Office Phone Video Recording:
Sonia Atherly, the director of the Bedstuy YMCA, participated in a retaliatory campaign. On September 29, 2022, she requested a meeting with me in her office. During our conversation, she pulled out her phone and began recording from her work monitor, alleging that a masked individual had entered the gym. She even asked me to view the video footage. While I complied, her phone continued recording, capturing my voice in the process. This action appears to be an attempt to counter the accusations made by the VP of Finance regarding fraudulent activities and manipulate my voice recordings to paint a negative picture of my behavior. In response to my concerns, the YMCA director provided the following reply: "Hi Lou. I believe that it was on Tuesday, and I was actually taking photos, so no, your voice would not have been captured in any way. To be clear, we do not record conversations at the Y in any way, shape, or form unless we have signed event waivers. I hope this clarifies the matter for you." On September 30, 2022, Sonia orchestrated an incident where the same individual showed up at the front desk as I was leaving, hoping to provoke a response from me and involve me in their investigation. For months, non-members of the YMCA were allowed to come into the facility and harass me while surveillance cameras were purposely turned off to destroy any possible evidence.
Bedford-Stuyvesant YMCA Program Coordinator, Jeff (Damian Best):
Upon my arrival at the basketball gym, Jeff, the program coordinator, and a parent with her child were already present. After requesting Jeff to wait a few more minutes, the parent engaged in a heated argument with him, demanding to know why her child couldn't participate since no one else was there. I reassured her that while I didn't mind, Jeff was responsible for setting the rules. She eventually left the gym in an angry state. Their intention was to have me report the incident to management and portray me as someone who constantly complains. On October 4, 2022, I sent an email to myself for record-keeping purposes.
Bedford-Stuyvesant YMCA Member, Ade (last name starting with "A"):
On Saturday, October 8, 2022, Ade and I agreed to meet for a late lunch at "The Green Place" in Brooklyn. I noticed that he kept referencing financial figures related to specific people he worked with. I suspect he has also been recruited to participate in Socure's retaliation against me. Their goal is to capture recordings of me to use them against me, claiming that I habitually record people. Ade also expressed dissatisfaction with the YMCA's adult open gym times during Saturday's basketball hours. He mentioned having discussed it with the front desk. On October 9, 2022, Ade sent me a screenshot of the YMCA's response to his request. It's important to note that I never made any complaints. As someone who lives near the YMCA and often wakes up early, I told him, "I don't want to play." Once again, Socure is attempting to build a case portraying me as someone who incessantly complains and records people to divert attention from their own misconduct. Multiple members were instructed to complain to me so that my name can be implicated. I believe that individuals are being compensated to assist them. In early May 2023, both Ade and Stephin Roberts repeatedly interrupted my workout in an attempt to initiate a conversation with me.
Bedford-Stuyvesant YMCA member, Stephin Roberts - Staged information gathering:
Stephin Roberts, a fellow YMCA member, unexpectedly called me after we crossed paths at the gym, which was an unusual occurrence. We exchanged brief greetings, and I proceeded with my workout. I suspect that his intention in calling me was to record our conversation and use it against me, falsely claiming that I frequently record people, which is entirely untrue. Given that my cellphone was being tracked, it seemed that whenever I left my home, I would coincidentally encounter Mr. Roberts. He had been instructed to fabricate a false DUI incident to elicit personal information from me regarding a case on my record that had been expunged. During our conversation, I shared a past experience of mine involving a car accident I had when I was younger while dating someone, as well as my advice on expungement, recounting a personal incident that happened to me. At the time, I thought Mr. Roberts was a genuine person with good intentions. I believe Socure will be attempting to coordinate and get me arrested for theft or burglary based on the previous expunged records, trying to paint a negative image of who I am. I believe Stephin Roberts has been recording me as a tactic instructed by Socure's private investigator.
Friend from Downtown YMCA Brooklyn whom I haven't spoken with in two years, Andre Nelson at Bedford-Stuyvesant YMCA:
I haven't had any communication with Andre Nelson for more than two years. However, he unexpectedly appeared at the gym I regularly attend on a Wednesday evening, despite it not being in close proximity to his residence. Subsequently, Mr. Nelson started frequenting the gym with his friend Austin Hill. Together, they began coordinating with YMCA members, informing them about my situation with Socure. Within one week, one of Austin Hill's Facebook friends reached out to me, mentioning a potential collaboration with someone they knew, namely Austin Hill. As I stated, I've never met Mr. Hill nor had any connection with people he knew outside of Mr. Nelson. When I encountered Mr. Hill during the following open gym session, he acted as though nothing had transpired, and I played along. Additionally, Austin requested certain documents from me for his business, but I never fulfilled his request. To confirm my suspicions that Austin was attempting to set me up, I orchestrated an event by telling him, "Yeah, man, girls don't care if you have a ring on. They will approach you. Come to this bar tonight." Upon my arrival at the bar a few minutes later, a woman wearing a wedding band tried to get my attention. However, I sensed that it was a staged occurrence. When Andre Nelson and Austin Hill arrived, they infiltrated the group of members, instructing them to provoke me during the basketball game while secretly recording my reactions. At one point, a member named Justin threw a water bottle, and the situation escalated.
Bedford-Stuyvesant YMCA member, Trevor - Staged information gathering:
Trevor started asking and mentioning multiple work-related questions. On October 7, 2023, he mentioned having a quarterly review and asked for suggestions. Within weeks later, Trevor asked me if I knew any lawyers as he was dealing with a housemaid who was suing him. This same situation happened with more than two other members (Stephin Roberts, Kadeem Kirsten) in which they asked me attorney-related questions. I believe he was instructed to record our conversations.
Bedford-Stuyvesant YMCA member, Torrell Taylor:
As previously mentioned, I believe that the YMCA's Director is monitoring my interactions with other gym members in order to collaborate with them. Their objective is to falsely claim that "Lou is influencing people to document incidents," all with the intention of tarnishing my reputation. Additionally, Socure allegedly requested Torrell to open a restaurant in downtown Brooklyn as part of their scheme to build a case against me. YMCA member Justin repeatedly approached me, informing me that Torrell had opened a restaurant with poor-quality food and suggested I visit. Upon receiving this information from Torrell himself, I decided to pay the restaurant a visit. However, Torrell was not present during my first visit. I attempted a second visit, only to discover that the restaurant was closed. When I texted Torrell to inquire about the closure, he responded that there had been an issue with the owner's licensing. It is apparent to me that this was a staged event orchestrated by Socure to fabricate a case against me by falsely claiming that I reported violations against Torrell's restaurant. As mentioned earlier, I strongly believe that my phone was being tracked, and it is possible that a separate line was used to make false reports under my information.
Furthermore, my emails were also subjected to hacking.
Wireless Earbuds Planned at the Bedford-Stuyvesant YMCA open gym by Kadeem Kirsten - early 2022:
To ensure my privacy and personal space during the YMCA open gym sessions, I started choosing a spot away from others. I made sure to thoroughly clean the area where I sat, removing any bottles, wipes, or other items. After finishing my workout, I briefly went to the bathroom, and upon my return, I noticed a wireless earbud near the window close to my chair. I suspect that Khadim Kirsten intentionally placed the earbud there as he kept watching me closely. Mr. Kirsten also asked me for legal advice as well as a UX Designer, the same exact topic that Gavin Tseng asked me. Mr. Kirsten is one of those new members who never came to the YMCA. Upon rejecting Socure's settlement offer in January 2023, that's when all of these new members started coming to open basketball nights.
Mosque Khalifa on Bedford Ave: Sept 2, 2022, at 120 Madison St, Brooklyn, NY, United States, New York:
During the service at Mosque Khalifa on Bedford Ave, the preacher persistently addressed a specific topic related to my case. He made references to "a brother within this community, one of our own, who made a recording" in an apparent attempt to divert attention to the tape I had recorded. Following my complaint to the EEOC through email, the recording was promptly deleted on the same day, which I later submitted to the EEOC. I started attending Islamic Mission of America/Dawood Mosque at 143 State St, Brooklyn, NY 11201, and immediately, I was followed by an individual who repeatedly tried to have a conversation with me. I was also followed to a Mosque in Harlem, NY.
T-Mobile Visit Tracking / Unauthorized new number added at 574 Atlantic Ave, Brooklyn, NY 11217:
Concerned about the security of my internet connection with Verizon, I visited T-Mobile to add a new line specifically for internet access. To my surprise, shortly after arriving at the store, a male approached the same register I was standing at and started asking questions. A few days after leaving the store, I discovered that a new phone line had been added to my T-Mobile account without my knowledge or consent. I promptly contacted T-Mobile customer service to inquire about the data usage associated with that particular number, but unfortunately, I did not receive the requested information. I believe Socure hacked my home network, such as my laptop, tablet, Television and home camera. For the past year and a half, Socure has managed to view all of my browsing history. I believe they kept contacting lawyers that I reached out to after every visit I made on their website to avoid me from being represented. In additional, after noticing that my email accounts were hacked, I wrote a statement indicating that my emails were hacked in which I got notarized at TD Bank.
Grocery Shopping Brooklyn:
During my visit to the local supermarket, I noticed several individuals following me closely, paying particular attention to the food items I was selecting and the card I used for payment. I believe I was being followed long before I started to notice.
* May 8, 2023, at 1420 Fulton St, Brooklyn, NY 11216
* May 1, 2023, at 1420 Fulton St, Brooklyn, NY 11216
Online Job Targeting:
I have been repeatedly targeted for specific jobs and companies, which I believe are staged by Socure, just as they did by involving me in a company backed by their investors to stage multiple events against me while interfering with my employment. I was lured into Plural, formerly known as Civic Eagle, where multiple African American candidates who did not qualify were being hired without my knowledge. All whom I’ve never spoke with. I suspect that Socure somehow gained access to my T-Mobile account and requested my entire call history to monitor my communications. Furthermore, I believe that when I sought legal counsel after receiving the EEOC's authorization to file a lawsuit, Socure clandestinely intervened in my calls to every law firm I contacted.
Puerto Rico Vacation on Dec 23, 2022:
Upon our arrival at our room in Puerto Rico, we noticed a black male who entered a room adjacent to ours shortly after us. However, after a couple of days, we did not see him again.
During a visit to a restaurant in Puerto Rico, I recognized the hostess as the same woman I had encountered multiple times at the YMCA. She had her head covered with a white scarf. As I was seated facing the entrance, she deliberately made eye contact with me, seemingly aware that I recognized her. After finishing lunch, this same woman followed us to the waterfront and watched us closely.
Neighbor Tracking Movement at 322 Gates Ave, Brooklyn, NY 11216:
Every time I left my building, I noticed a consistent pattern where the neighbor from 5F would coincidentally head towards the elevator, wait in the lobby, and enter the building exactly at the same time. This behavior raised suspicions and led me to believe that individuals from 5A were strategically positioned next door, potentially tapping our walls to eavesdrop on our conversations. The neighbor in 5A, whom I knew through the YMCA, repeatedly complained about the building while urging me to submit a work order. I also suspect that Socure assisted one of my former neighbors, Serdar Cam, in moving into the building after they discovered my text messages about potentially moving there. Immediately after moving in, Serdar started complaining as well. I believe Socure was involved in placing a previous female tenant in the building, who also complained to me on multiple occasions about the building.
Uber License Training:
Once again, Socure monitored the location of my phone and deployed individuals to the classroom where I was attending classes in Long Island City in early March 2023. After completing the classes, I became too afraid of potentially facing false rider allegations.
New Open Gym Invitation by Bedford-Stuyvesant YMCA member Ethan, Andre Nelson was present on March 2, 2023, at 300 Adelphi, Brooklyn, NY 11205:
Ethan, a fellow YMCA member, invited me to join him at a nearby gym. To my surprise, Andre Nelson was also in attendance. While playing on the court, I noticed one of the players guarding me had a conspicuous microphone attached to them, and an Asian woman diligently captured footage from different angles with a video camera. I believe they were recording my voice and actions on the court. Additionally, it seems that after complaining about what happened at the YMCA, members are being instructed to engage me outside the YMCA to diffuse the situation. This incident further raised my suspicion that our apartment might be under surveillance, as I had previously mentioned Andre Nelson's presence at the open gym to my wife. Moreover, during the open run, I noticed the unexpected presence of multiple YMCA members from the Downtown Brooklyn location, whom I hadn't encountered in the past four years. I firmly believe that Andre Nelson orchestrated their participation and that they were strategically placed as collaborators by Socure.
New Gym Invites
After fully understanding that I knew about all of the plans in place at the YMCA, with the help of the YMCA Director, Sonia Atherly, multiple members were told to invite me to other gyms to built a campaign of “ this is Lou everywhere he goes”. Over six plus individuals were asked to invite me to new open gyms and men’s league to play in. This is all to avoid further problems at the gym.
Real Estate / Startup Venture Inquiry by Gavin Tseng:
Due to ongoing targeting, I decided to distance myself from everyone for months. However, my friend Gavin Tseng, whom I knew while living in Downtown Brooklyn, repeatedly invited me to his upstate home and wanted me to see properties he was interested in purchasing. It was quite unusual that Mr. Tseng would frequently text me, asking about my availability on specific days. I suspect that Mr. Tseng was recording our conversations during the trips and multiple phone calls, where he sought my help with UX Designing for his apartment rental car service. I believe Socure conducted research on my past work history, including my involvement in a Delegate campaign in Maryland for a real estate professional. I suspect that Socure fabricated false accusations against this individual and used my information to create misleading claims, leveraging my network and devices.
Subways / Stores Staged Evidence Building:
Regardless of the subway station I find myself in, I consistently experience being followed by random individuals who are instructed to approach me closely while holding their cellphones up to my face and posing questions. On multiple occasions, I recall three females approaching me seeking guidance regarding subway directions, and I willingly offered my assistance. However, I have recently become aware that individuals, including camera operators, have been capturing these interactions on film as part of what appears to be a deliberate campaign to discredit me.
March 28, 2023 - Travel to Milwaukee:
While traveling to Milwaukee for a getaway from my wife after several disputes, I noticed that I was being followed at the airport. The surveillance continued throughout my stay at the Airbnb located at 1028 East Juneau Avenue, Unit 416, Milwaukee, WI 53202, from March 28, 2023, to April 11, 2023. I also experienced being followed at the Hertz car rental at 804 Vel R. Phillips Ave, Milwaukee, WI 53203, on April 6, 2023, and at the Pleasant Prairie Premium Outlet at 11211 120th Ave, Pleasant Prairie, WI 53158, on the same day.
April 12, 2023 - Returning back from Milwaukee:
Immediately after arriving back in New York City from my two-week vacation, at around 3:45 pm ET, just two minutes after landing, I received a text message from a YMCA member whom I hadn't communicated with in over three weeks. The message mentioned something along the lines of "See you tonight," which I promptly deleted. This unmistakable occurrence served as a clear indication that my phone was under surveillance and being tracked.
April 21, 2023 & May 7, 2023 - Vitamin Shoppe at 12 4th Ave, Brooklyn, NY 11217:
As I entered the Vitamin Shoppe in Downtown Brooklyn on Atlantic Ave, I noticed that I was being followed. While at the checkout counter, an African American gentleman positioned himself next to me, seemingly eavesdropping on my account information and the items I was purchasing. I strongly suspect that a similar incident occurred during my previous visit on April 21, 2023, although I was not actively observing at that time.
On May 6, 2023, between 11:30 am - 12:45 pm - JFK AirTrain:
Once again, I became aware that my phone was being tracked. I accompanied my wife to the airport as she was departing for Milwaukee. Upon arriving at the station, an assertive African American woman in her late 30s hurriedly approached us, despite the presence of multiple station operators. She aggressively stopped us and began asking for directions. Sensing something amiss, I promptly distanced myself from the situation while my wife attempted to assist her with the directions.
Friday, May 11, 2023 at Costco Eyewear at 517 E 117th St, New York, NY 10035: While I was sharing my information, a woman in her late 50s approached the counter and closely observed my personal details. I have come to believe that Socure has someone at Chase informing them of my location whenever I use my Chase bank card. The day before, I made purchases with my Chase card at Costco.
Friday, May 11, 2023 at Costco at 517 E 117th St, New York, NY 10035: While conversing with a product representative at Costco, a young female employee in her late teens or early twenties approached with an older Senegalese gentleman in his late 60s. The gentleman sought assistance with a product due to his limited English proficiency. As he showed me his phone up close, I noticed someone recording our interaction from a distance. Once again, I felt as though I was being followed. It seems that a private investigator was aware of my recent purchase of fish oil at Vitamin Shoppe on May 7, 2023, as well as my pursuit of becoming a personal trainer. They orchestrated the scenario with the gentleman asking me specific questions about fish oil. It's worth noting that the material I was studying for personal training explicitly states that trainers should not recommend any medication to individuals.
Saturday, May 13, 2023, at Hoyt Station in Brooklyn: Once more, I found myself being followed into the train station. While I was waiting there, a woman approached me once again, seeking directions. Without hesitation, I gestured towards someone else nearby and firmly replied, "No, ask her." Interestingly, there was a man across the platform holding two cameras, capturing the entire interaction between us. Following the unsuccessful attempt, the woman conversed with the man briefly before they both boarded the train.
Saturday, May 13, 2023, at Bedford and Quincy in Brooklyn: As I neared my apartment building, I noticed two cameramen once again attempting to record me. Sensing their presence and their intention to cross the street, I quickly changed course and crossed over to the other side, putting some distance between us.
Saturday, May 13, 2023 - TD Bank at 957 Marcy Ave, Brooklyn, NY 11216: While I was withdrawing cash from the ATM, a white male in his late 20s, accompanied by a dog, was recording me from outside. I also believe Socure did some digging into all of my transactions at my local banks, such as Chase and TD Bank.
Saturday, May 13, 2023 - Credit Card information altered: When I logged into my Discover Credit Card account, I observed that my information had been modified.
Monday, May 14, 2023 - Best Buy Brooklyn at 625 Atlantic Ave Ste A7, Brooklyn, NY 11217: Upon reaching the printing department at 12:14 pm ET, I was harassed by an African American woman in her late 60s. I ignored her and left through the opposite side, but she continued to follow me and tried to engage in a conversation.
Tuesday, May 16, 2023, at Target 517 E 117th St Suite 201, New York, NY 10035, at 10:46 am ET: Upon realizing that I was aware of the cover-up occurring, where individuals were tailing me and inquiring with their phones in hand, Socure strategically positioned an African gentleman near the entrance of the targeted bathroom. They had been closely observing my actions. Remarkably, this man was dressed identically to me during the incident that unfolded on Friday, May 11, 2023
While waiting in line, I believe a Senegalese couple were instructed to chat about illegal activities intentionally while I was behind them and they absurdly moved to another line.
Tuesday, May 16, 2023 - Cohen’s Fashion Optical at 86 W 125th St, New York, NY 10027: While retrieving my reading glasses from Costco, I discovered that the prescription was stronger than what was indicated in the eye examination. The lenses ended up negatively impacting my vision. I requested to review the physician's notes from the exam, but despite waiting for over 30 minutes, they were unable to provide any documentation as the physician was acting very strange. Instead, they gave me evasive responses, leading me to ultimately leave without a resolution.
May 18, 2023 - Chase Bank at 1380 Fulton St, Brooklyn, NY 11216 @ 12 PM ET: Around 12 PM ET on May 18, 2023, at Chase Bank on Fulton Ave in Brooklyn, I experienced another incident I believe involves Socure. An individual was sent to tail me, and it began at TD Bank where this person approached the teller in an ostentatious manner, loudly expressing their intentions. I suspect this encounter was being recorded in an attempt to frame a robbery on me. It seems that Socure is continuously monitoring my activities, possibly as a diversion from the fact that their former CFO was untrustworthy. Regardless of where I go, I am constantly being followed, with new tactics being devised every time I step outside my home.
I’m writing to put a stop to this targeting and ongoing harassment.