No load mutual funds selection and timing

Mutual Funds: Discussions on Investing in Mutual Funds

2013.12.02 02:39 Mutual Funds: Discussions on Investing in Mutual Funds

Discussion about retirement account's, Investing long term and short term, Financial new's is welcome here with a major focus on mutual funds.
[link]


2013.01.16 19:30 PlsDontBraidMyBeard A place for Indians to discuss and evaluate Investments

A place for Indians to discuss investments, finance, economics and insurance.
[link]


2014.09.08 02:01 bobby_jo Exchange-Traded Funds (ETFs)

The Exchange-Traded Funds Community and Forum
[link]


2024.05.15 15:56 juopitz Understanding classification evaluation and its metrics: From bias and prevalence to metrics like Accuracy, Macro F1, MCC

Hi all!
a topic that time and time again pops up in my work (when doing own research, reading papers, and while teaching): Which classification evaluation metric to pick? Or: Why does paper use metric x for evaluation (but not y)? And other questions of the sorts.
So over the years I kept making some notes, and now I've finalized a write-up. I thought maybe it's interesting for some of you and why not share it:
https://arxiv.org/abs/2404.16958
Here's the abstract:
Classification systems are evaluated in a countless number of papers. However, we find that evaluation practice is often nebulous. Frequently, metrics are selected without arguments, and blurry terminology invites misconceptions. For instance, many works use so-called 'macro' metrics to rank systems (e.g., 'macro F1') but do not clearly specify what they would expect from such a 'macro' metric. This is problematic, since picking a metric can affect paper findings as well as shared task rankings, and thus any clarity in the process should be maximized. Starting from the intuitive concepts of bias and prevalence, we perform an analysis of common evaluation metrics, considering expectations as found expressed in papers. Equipped with a thorough understanding of the metrics, we survey metric selection in recent shared tasks of Natural Language Processing. The results show that metric choices are often not supported with convincing arguments, an issue that can make any ranking seem arbitrary. This work aims at providing overview and guidance for more informed and transparent metric selection, fostering meaningful evaluation.
Some key observations are:
To clarify points like these, we analyze some popular metrics and their properties. Some insights are:
In the end, if there's only one conclusion to be drawn, then I guess it's that there's no overall perfect metric, and metrics should always be chosen sensibly given a specific context. Hope my work can help a bit with that.
submitted by juopitz to learnmachinelearning [link] [comments]


2024.05.15 15:55 chanandalerbong7 [WTS/WTT] MI Quad Pencil Upper, HS 510C, M&P SCS, G19 Grip Anchor, Cloud LCS for HLX, Wilson Combat Mug, Glock/TLR-1 Lvl3 holster, 1911 G10 grip/magwell WTT for SRX 1/2X28 FH, PRI Med GBuster CH, Glock/x300u Lvl2/3 holster

Timestamp: https://imgur.com/a/XrMYNdG
https://imgur.com/a/cpqA6FE 510C
https://imgur.com/a/HzXRAjO SCS MP2
https://imgur.com/a/YWf9Q61 Upper pics
Prices CONUS shipped& insured PPFF (preferred) & Cashapp. NO Venmo or G&S. Open to offers on multiple items. If you call dibs, DONT GHOST just say you changed your mind, nbd. Send funds within REASONABLE time or lmk we can work it out. NO G & S, NO NOTES please. To prevent potential scammers, please PM me (chat disabled) after calling dibs
_________________________________________________________________________________
WTS- Shipping USPS ONLY- make an offer on multiples
-MI Quad Upper- mounted everything up just to abandon the build yet again, silicon residue where upper and CH meet
$350 not splitting until buyer for handguard
-Holosun 510C w/ 1/3rd riser- lower salt/wear shown in pics, sticking with an AEMS core $210
-Holosun SCS MP2 for M&Ps, low salt, decided to go with a larger windowed optic. Comes w box tool & screws $290
-Cloud LCS for Streamlight HLX polymer, with ODG paint on outside not switch channel- $34
-Wilson Combat Mug apparently discontinued. Clean, no salt only sugar- $11 or +7
-Blackhawk Level 3 holster for Glock/ TLR1s and Optics. larped only no salt $100- would trade for a Lvl2 or 3 Glock/x300u
-Langdon Tactical Glock 19 grip anchor for no backstraps (mine fit either way), gives you an extended rear grip / funnel. Tried but didnt end up using it- $24
-1911 G10 grip panels & MSH that extend to create a magwell. Off a Sig 1911 Emperor Scorpion or something. 2 range trips never carried, really nice but i needed thicker grips $50
-Pearce Glock double stack pinky extension $10 or +$5
-Riton TARD QD 1/3rd mount- didnt quite line up with a Romeo5, im sure if you want you can make it work- $15 or +10
______________________________________________________
WTT fo WTB
-YHM SRX 1/2X28 Flash Hider mount, full length $50+
-Glock /x300u Level 2, preferably 3 OWB holster $80+
-PRI Medium Gas Buster CH- $50+ would trade a BCM 4x4 low salt if interested
Willing to go up depending on salt/brand
_____________________________________________________
FREE add on or + shipping
-1" sling sliders
-Jeep JK/JL fire extinguisher strap mount to rear bars
-5x Gunlocks
submitted by chanandalerbong7 to GunAccessoriesForSale [link] [comments]


2024.05.15 15:54 Double_dealing I need revenge suggestions!

So i was with this guy. 2 weeks only. We agreed for dating on the second week. He acted all nice mature, family guy type. Very sweet. And as he said he liked my company alot too. So we hit off. Nothing were sexual. We all believe in sex after marriage but yes we did talk about it.
We used to talk all day. At nights for 5/6 hours on voice and in the day we used to text. He would be so eager to tell me everything that he did. I barely used go sleep because of this routine. We both were invested.
Apparently he used to share his family drama, told me about his dad and mom and almost everyone. Used to send me pictures to show their faces. I wouldn't mind cuz i myself is a family person. And he told me he wonders how he's so close to me and finds comfort in us.
In the end of the second week, he approaches me by saying how he realized he cant continue the relationship because of his family but he really liked me and proceeded to remove me from all socials. When i asked him why are u removing me from ur socials he said when he'll see me everyday he would become sad thinking how he could have been there with me. He didnt block me just removed. After that i texted him once more. I was hurt. Really hurt. Because i am this date to marry typa girl and i really really liked him and because he didnt give any reason like cheating or any bullshit. He gave valid reasons.
After that i never texted him or approached him. We have mutuals, no one can ever say i caused drama. I minded my own business even tho I was hurt. We also attended same events.
Today after 10 months i saw his true colors. He matched with my friend on bumble and sent her a microsoft slide stating reasons why she should date him. He didnt knew her and she didnt recognize at first. Then they shifted to Instagram and there when he asked from which institution she's from, upon revealing he was like "oh Fuck trauma hit" he then continued to disregard the time we spent. Saying bullshit stuff.
I wouldnt really mind if he was going on having flings or shit because he clearly stated he's not ready for a serious relationship. Yes i always said if i see him in a relation with someone other, that is when i am gonna act because i asked him and let him know what i want from a romantic relation.So I wouldn't bother if he was having flings.I knew he was on bumble. But what really pissed me was how he disregarded and disrespected me stating i caused him trauma whereas i did nothing to him. He costed me my mental health yet i never talked bullshit about him. Always defended when someone tried to.
I really want to take revenge. Please suggest me ways.
submitted by Double_dealing to BreakUps [link] [comments]


2024.05.15 15:54 bubzki2 ID.Buzz - US dealerships are taking "preliminary" orders as of yesterday

So, there's been a dearth of information and details about the upcoming US-market, long wheelbase ID.Buzz to date. That continues, but I got a call from my dealership/salesperson yesterday with surprising news--they are now asking for build configurations for early (dealer allocation) reservation holders!
The dealer mostly repeated the content of the recent press release, although he didn't think the Euro-style flip-up trailer hitch would actually make it here, which I think is right.
Three trims will be available initially, with 1st Editions coming...first...and then the other trims following shortly after. 1st Editions, they say, will likely have every option ticked by default, with the exception of:

  1. Drivetrain selection, single motor (RWD), or dual motor (AWD, 4Motion) , in addition to
  2. Two-tone exterior color selection (Orange, Green, Blue, Yellow, and Silver I think).
Previously, it was believed that only RWD would be available at launch, but it appears this is no longer the case. I did ask about heat pump availability but there's no official word on this yet.
As for timing, I was told that my reservation (1st in line at my dealer as I made my reservation in 2018!) will likely be built in Germany in the "38th week of 2024" (Sept. 16-22) and then shipped over here, hopefully sometime before the end of 2024.
No pricing details are available yet.
submitted by bubzki2 to electricvehicles [link] [comments]


2024.05.15 15:53 Plane-Manufacturer96 Subclass 500 enquiry on behalf of a friend.

Hello!
On behalf of my friend (he doesn't use reddit) I want to ask a few question in regard to his upcoming visa application (Subclass 500) for his Master studies at UNSW, he asked me because I'm currently studying in Melb but I honestly don't know the answer so I'll post it here.
He was an exchange student from RMIT Vietnam to RMIT Melbourne in 2023 for 6 month and he was granted a 6 month subclass 500 visa for that purpose of study, he left Australia just 3 days before the visa expired because he spend the majority of the semester break touring Victoria, SA, and WA (He didn't work, it was self funded by his family), some people said when he applied again, the immigration department will raise eyebrows on the fact that he left so close to being an overstay and they might assume he will want to stay in Australia after his next studies, and possibly become an overstayer, he wanted to know if this is true or people just want to scare him because of the recent changes in immigration law that make the process stricter.
Additional information: he didn't travel much and his exchange to Australia last year is his first and only time traveling abroad, and he won't intend to stay in Australia after finishing his Master because he will take over his family's business back in Vietnam so no 485 or anything after.
Cheers.
submitted by Plane-Manufacturer96 to AusVisa [link] [comments]


2024.05.15 15:49 data-gig OpenAI is wrong: they do NOT support over 90 languages with their whisper module. Not yet.

OpenAI is wrong: they do NOT support over 90 languages with their whisper module. Not yet.
OpenAI is wrong. Their claim of supporting over 90 languages with their Whisper module is inaccurate. Here is the proof 👇
Last year, I developed ToText, a free online transcription service using the Whisper module, which is an AI-based open-source speech-to-text module developed by OpenAI.
My aim was/is to provide non-technical users with an easier and smoother transcription service without the need for coding. However, shortly after its launch, I began receiving negative feedback from users regarding the transcription accuracy of various languages. Some languages were performing poorly, and others weren't functioning at all.
Testing each language integrated into the ToText platform became imperative. To achieve this, I proposed a survey study to the capstone students in my department. Fortunately, it was selected by a capstone team (shown in the picture), and I started supervising those students as they conducted a survey of transcription accuracy for 98 languages included in ToText.
These students did an exceptional job and obtained significant results. One of them was the disproval of OpenAI's claim of supporting over 90 languages. In reality, the critical question to ask is, "What level of transcription accuracy does the whisper module provide for each language?" If nearly half of these languages are transcribed poorly, is it accurate to claim support for them?
Yes, this is what happened to ToText. I had to remove 48 languages out of 99 languages from ToText and only 51 languages were retained for user access.
Whisper comes in various sizes such as tiny, base, small, medium, and large. ToText currently uses the base size (trained with 74 million parameters). While OpenAI could argue that their claim refers to larger sizes like the large size (trained with 1.5 billion parameters), there has been no clear statement from OpenAI regarding this.

Survey Results

https://preview.redd.it/zq6kre0zgl0d1.jpg?width=1140&format=pjpg&auto=webp&s=1a325620a1f270bc9c6bee2523bd2f6a3d0d4427
Here is the summary of these results:
  • 2 languages had an average score of 5, which is excellent (perfect transcription).
  • 10 languages had an average of 4 which is very good (very correct transcription).
  • 15 languages received an average between 3 and 4 which is good (correct transcription).
  • 24 languages obtained an average score between 2 and 3 which is average (medium transcription).
  • 33 languages received an average score between 1-2 meaning the transcriptions were minimally correct (poor transcription).
  • The rest of languages had an average score below 1, meaning the transcriptions made no sense at all (terrible transcription).
  • 1 language (Hindi) would not transcribe but translate instead.

Final Thoughts

Whisper (base size) is a good tool for homogeneous languages, especially for romance languages known as the Latin or Neo-Latin languages. Many times for languages that are not based in Latin or don’t have a similar alphabet to it, the model will just return a phonetic transcription which is much less useful. It is possible that some tweaking needs to be done so the model can have a better definition of what a transcription actually is. Whisper is fine for personal use for most people who reside in a Western country but for larger-scale projects, it would need a lot of work, as it is not perfect even for the romance languages.
These results could be beneficial for OpenAI for improving their whisper module to have a better transcription service, especially for those low-performing languages.
If you're interested in learning more about this survey, you can visit this blog article.
Let me know about your opinions about the whisper module.
submitted by data-gig to GPT3 [link] [comments]


2024.05.15 15:49 Brahmanda_8 A very deep and never ending existential crisis. Part 2

Hello guys,
A few years ago, I wrote a post here about my existential crisis and I got many very supportive responses and they really really helped me. I’m writing here again with more thoughts that could be a bit all over the place, but maybe some of you will also relate. I trust people in here and I am looking forward to your thoughts, and feel free to share your own experiences.
So, as I mentioned, it has been a few years and I wouldn’t say that things got better. I do feel I have depression, I think I had it for most of my life, and I’m mostly just trying to distract myself, I guess like a lot of you guys too. I am trying to accept the fact that questions about the origin of the universe and “why, how, and from where” are unanswerable. My next big task is finding the meaning and purpose of my own life. And it is hard guys. I don’t know…
First and foremost, I have seen that a lot of people here mention distraction as a way to cope. But I think it’s like a double-edged sword. For example, I feel this deep existential loneliness and sadness every time I read a good book or watch a good movie, series or anime. When it ends, I just feel completely empty. While I’m watching/reading, I feel like I immerse myself into a different fantasy world. Especially when binge-watching… And when you finish, there is this “transition period” when you come back to reality and the world feels so meaningless, boring, dull, no magic, no nothing. So, in trying to distract myself I also cause myself to go through this “transition period”. I guess people who binge-watch might understand what I’m talking about. Distracting helps but only for a short period and after that I’m left feeling completely devastated, and I don’t want to go back to the real world. So, I started to analyze more and deeper, why the hell do I feel this way. What is missing in my life? What is so attractive about these stories that I watch/read? And I think I found it – there is one constant in all of them – a good group of friends that go through adventures and hardships together (for example some of these realizations came after I binge-watched the famous anime Attack on Titan; or just basically movies or series where there is a mutual goal between characters, for example, in my favorite movie Interstellar there is a group of people with one specific goal and they are trying to solve a very meaningful problem and are having conversations about the universe, etc.). So, guys, could this be it? Humans are social animals, so to have a very good, trustworthy group of people around you and go through life together sounds like what could make life most meaningful…? But to find such people feels like a very hard task… Even finding one person to talk about existential questions is hard, but to find a group where you all could be on the same level of understanding feels insanely hard because not a lot of people think like this. And you can’t force such things, finding deep connections as an adult is a hard task. Finding a romantic partner is even harder… I wish that I could just talk freely about such topics with people, that it would be “normal”. I want more people to talk openly about this and not pretend... Also, such a want or need for a group of people might come from the fact that I grew up in a very dysfunctional and toxic family, so naturally there is a need to create my own “chosen family”… I have some really good friends in my life, but only a few can go a bit deeper with me on such topics, so mostly I am alone in all of this. Sometimes the loneliness is so deep… It seems others do not feel as deeply this burden of existence as I do. Or that others for some reason don’t have this need for knowing why and from where everything comes from, don’t see the world for what it is but live in illusions and play games. I guess what I am trying to say is that it’s hard to find a person with similar goals and similar motivations (a lot of people have selfish desires and surface-level motivations). And I can’t take it anymore, the small talk and the surface-level conversations, I am so bored out of my mind.
I can sometimes minimize this feeling of dullness with some fun and adrenaline-filled activities, for example, I went skydiving and definitely felt a bit better. But such activities don’t fulfill that deep need of belonging. On some days I feel so fucking depressed and I hide it from everyone so well… I know a therapist can help, especially existential psychotherapy. But I want friends too, to be able to talk to people about this, whenever, don’t pay money for it, create genuine connections with people and do things together. For example, traveling to different countries, immersing into different cultures, and exploring is what makes me really live in the present moment, that’s when I feel most alive. And then to have a good group of friends and be able to travel with them and explore might do it for me. But this wish feels like a fantasy.
Another form of escape I use is daydreaming. I would call it immersive daydreaming. I can just close my eyes and start creating stories and narratives. Sometimes I don’t even need to close my eyes, it just all happens in my mind. Sometimes this helps me get through the day. But of course, naturally, there comes a want to actually experience what you are daydreaming about…
Finding meaning in a profession is a whole nother topic… I am really struggling to find a purposeful and meaningful job. We live in a time where almost everything has already been discovered – continents, countries, oceans, there are plenty of researchers almost in any scientific field and the research topics are becoming narrower and narrower. Of course, there is space, but sadly, for space exploration it is too early… So, most jobs feel like a rat race and just take your precious time… But there is no other option in this capitalistic society. I have various hobbies that help me be in the moment, so at least that. Of course, we can talk about creating something good for the world and leaving some kind of legacy when you die, but we all know that the earth will also someday die. So, talking about everyday life, maybe it’s best to see what is most meaningful to you in the present moment…?

Another topic I wanted to touch upon is these weird and unusual feelings I sometimes have. When I’m ruminating on the nature of existence, I can become so deeply present that I can almost feel the time moving. I feel like I’m too self-aware, too conscious. As if I can feel the earth slowly spin around its axis, almost can see/imagine the atoms. When I think about the universe, I imagine myself from above, from space, looking down below. Like right now I am sitting in my room, that is a box – I am in a certain country – on earth – somewhere in space, and all around is black. I – a tiny speck of dust. Earth – a small ball. ~Almost like in~ the scale of the universe (another good example could be the scene from the movie “Agora” where the camera is zooming in from space down to earth to one specific spot, also with that distant sound… (at 56:13)). And this image appears all at once in my head. And I walk around this world and see myself from two points of view, kind of. Does anyone else experience this? And in general, everything in life seems “double” – like I can see a person and I can also see atoms and molecules that the person is made of. Maybe not “see”, maybe it’s more imagination or understanding. It’s very hard to explain, but basically, all the things are just bundles of atoms interacting with other bundles of atoms. I can also see this duality in everyday conversations, work, everywhere – we are all just pretending, we are doing something to live, to move forward, but it’s all meaningless in the grand scheme of things. It’s meaningful and meaningless at the same time.
Nowadays I avoid a lot of things, like movies, series, books, media, etc., that are associated with existential questions, because they throw me into that panic/crisis state. Also, everyday stressors take me out of this deeper level of thinking a bit, so these feelings of intense self-awareness come and go. For example, when I was working in a very stressful job the everyday challenges took me out to the more surface-level problems.
The one video that really helped me, but at first, I was really reluctant to watch it, is this one. Brian Cox is so positive and calm. That’s the kind of attitude I want to have. Sometimes the clichés also help me, for example, maybe I should be looking at life like a journey and just have a good time? On the other hand, living without a clear purpose is fucking horrible.
So, these were just my random thoughts about searching for what is most meaningful in life and what my experience is like.
Thank you so so much for reading, these topics have been bugging me for quite some time, so it’s good to finally write them out. I hope this made some sense.


submitted by Brahmanda_8 to Existential_crisis [link] [comments]


2024.05.15 15:49 writerofjots A Review of the Wu-Tang Tinfoil

A Review of the Wu-Tang Tinfoil
For those who weren't around for this tinfoil back in the day, allow me summarize why people think this could be for real. This is NOT DD as there is far too much tinfoil wrapped around this baby. Still, with the recent surge in interest and mentions in Wu-Tang in connection with Gamestop (and with Roaring Kitty's recent tweet also alluding to it), I thought it worth revisiting.
So, what is the Wu-Tang Album? It is a music album titled 'Once Upon a Time in Shaolin' and there is only one copy in existence. It was originally bought by at auction by Martin Shkreli, that scummy guy who jacked up the prices of some pharmaceuticals. Yeah, he ended up going to jail, so the album was auctioned off again. This time, it was bought by a DEFI (decentralized finance) collective called PleasrDao.
So, they buy it and have a few listening parties, inviting friends over to listen to it. But what then? Well, a lot of interesting stuff happened around about this time if you care to follow my crazy strings.
\"...so, you see, Wu-Tang is the key to taking down the financial institutions.\"
First, let's look at the lawyer who facilitated the deal that led to PleasrDao getting their hands on the album. Enter Peter Scoolidge. He had this to say about the deal in his interview with Vice the day after the deal was made:
https://preview.redd.it/2euw4mrtel0d1.jpg?width=654&format=pjpg&auto=webp&s=5d821a841bf54f303dca9c2d600ec53e19692f99
Let's have a look at his Linkdin, shall we?
https://preview.redd.it/kduezh5zel0d1.jpg?width=747&format=pjpg&auto=webp&s=b9728113cd490b02fc7d60b408b3cda2d2e71201
"Where's the tinfoil?" you may be asking. "I was promised som high-quality foil!"
Ok, ok. So, in the same interview with Vice, Peter Scoolidge said this:
https://preview.redd.it/ngwnjvt7fl0d1.jpg?width=665&format=pjpg&auto=webp&s=d5cee5e8a2000f546ce34564193334c44bf47b93
Although it took PleasrDao nearly 90 days to finally reveal themselves after their purchase, exactly 30 days after the purchase of the Wu-Tang album was completed, our man, RC, tweeted about 60s music and pillowfights. Exactly 60 days after the purchase, he tweeted about it taking money to buy whisky.
Now, I don't know about you, but that is a hell of a cohencidence. Also, (tinfoil intensifies), could these tweets be snippets of lyrics from the never released album itself?
"So, what exactly is the connection to Gamestop?" you are asking by now. "And why should I care?"
Well, when PleasrDao finally came out and admitted that they had purchased the album, they included this photo:
\"Who's that in the hoodie?\"
Why is that guy facing the wrong way? Why has he got his hoodie up? Only reason could be to hide his identity.
Hey...wait a minute. Haven't I seen that exact same stitching on a hoodie before?
Our man, RC
So, why would RC be a secret member of PleasrDao? Well, maybe it's a hobby. Maybe a friend asked. Or maybe he saw an opportunity. Maybe, 'Once Upon a Time in Shaolin' could find a most unexpected use.
Now, it's important to note that the purchase of album stipulate that it may "...not be commercially exploited for 88 years, although it could be released free or played at listening parties" (taken from Wikipedia).
So, it could be released for free. Maybe through an NFT? Maybe through am NFT dividend to holders of Gamestop.
An NFT dividend has long been theorized as being the final blow to short hedge funds, as they could not rehypothecate it. There would only be a finite number produced, and they could not be replicated. It would basically force them to buy it from holders.
Ok, one last piece of tinfoil with our favorite number. No, not 69, though that one is always nice. I mean the other favorite number.
These are comments from 84 years ago.
submitted by writerofjots to Superstonk [link] [comments]


2024.05.15 15:47 Rave4life79 Air koryo, the only major airline in North Korea with destinations only in China and Russia with a handful of other select countries is a 1 star airline. Tourists must travel 2 of state issued handlers at all times with no guarantee of safe passage back home

Air koryo, the only major airline in North Korea with destinations only in China and Russia with a handful of other select countries is a 1 star airline. Tourists must travel 2 of state issued handlers at all times with no guarantee of safe passage back home submitted by Rave4life79 to Damnthatsinteresting [link] [comments]


2024.05.15 15:47 loans-paradise 8 Ways How Personal Loans Can Bridge the Financial Gap

In life, it’s not uncommon to find ourselves facing financial hurdles, whether expected or unexpected. From unexpected medical bills to urgent home repairs, these situations can put a strain on our finances. But fear not! Personal Loans in Hyderabad can be a lifeline in times of need, helping you bridge the gap between your current financial situation and your goals.
~Let’s dive into how personal loans can be your financial superhero in eight different ways:~

~1. Emergency Expenses:~
Personal loans can swoop in to rescue you when you’re hit with a sudden medical bill, car repair, or home emergency. Instead of panicking about where to find the funds, a personal loan can provide the quick cash you need to tackle the problem head-on.
~2. Consolidating Debt:~
Having a lot of debts with uneven interest rates and due dates can be exhausting. Personal Loans in Hyderabad offer a way to consolidate your debts into one manageable monthly payment. By paying off high-interest credit cards or other loans with a lower-interest personal loan, you can streamline your finances and potentially save money on interest over time.
~3. Home Improvements:~
Whether it’s a leaky roof or a kitchen in need of an upgrade, home improvements can add value to your property but often come with a hefty price tag. Personal loans can fund these projects, allowing you to make the necessary improvements without draining your savings account. Plus, investing in your home can pay off in the long run by increasing its resale value.
~4. Education and Training:~
Investing in yourself through education or training can open doors to new opportunities and higher earning potential. However, tuition fees and course expenses can be a barrier for many. Personal loans can bridge this gap by providing the funds needed to further your education or acquire new skills, ultimately leading to a brighter financial future.
~5. Starting a Business:~
Dreaming of becoming your own boss? Launching a new business venture often requires upfront capital for everything from inventory to marketing. Personal loans can provide the financial backing needed to turn your entrepreneurial dreams into reality. With the right business plan and determination, a personal loan can be the catalyst for your success.
~6. Unexpected Life Events:~
From weddings to funerals, life’s major milestones and events can come with significant costs. Personal loans can help you cover these expenses without sacrificing the quality of the event or going into debt on high-interest credit cards. Whether you’re celebrating love or mourning a loss, a personal loan can ease the financial burden during these emotional times.
~7. Travel and Adventure:~
Wanderlust calling your name? Whether it’s a dream vacation or a once-in-a-lifetime adventure, personal loans can finance your travels without putting a strain on your savings. Exploring new destinations and experiencing different cultures can be enriching and fulfilling, and a personal loan can make it possible to embark on your next great adventure sooner rather than later.
~8. Building Credit:~
Personal loans can be a valuable tool for building credit history, especially if you have limited or no credit. By borrowing responsibly and making on-time payments, you can demonstrate your creditworthiness to lenders and improve your credit score over time, setting yourself up for future financial success.

Personal loans are versatile financial tools that can help you bridge the gap between where you are and where you want to be financially. With careful planning and consideration, a personal loan can be a powerful ally on your journey to financial freedom. Explore further by visiting our website now!
submitted by loans-paradise to u/loans-paradise [link] [comments]


2024.05.15 15:44 3pattirummyy Teen Patti VIP APK Download Bonus ₹100 se ₹500 Withdraw 100/-

Teen Patti VIP APK Download Bonus ₹100 se ₹500 Withdraw 100/-
Your Teen Patti Experience with Teen Patti VIP APK: Download Now for Exclusive Bonuses and Easy Withdrawals!
Are you ready to take your Teen Patti game to the next level? Look no further than Teen Patti VIP APK, your premier destination for high-stakes Teen Patti action right on your mobile device. With lucrative bonuses, hassle-free withdrawals, and thrilling gameplay, Teen Patti VIP APK is your key to unlocking the ultimate Teen Patti experience.
https://preview.redd.it/0fxjvphrgl0d1.jpg?width=1600&format=pjpg&auto=webp&s=6579b7ce0e2f1cdc631352c7a286fd1e2ae09c2b
### Download Teen Patti VIP APK: Your Gateway to VIP Gaming
Downloading Teen Patti VIP APK is a breeze. Simply visit the official website or app store on your Android device, search for "Teen Patti VIP," and hit the download button. Within moments, you'll gain access to a world of VIP gaming excitement right at your fingertips. Whether you're a seasoned Teen Patti player or new to the game, Teen Patti VIP APK welcomes you to join the VIP club and indulge in the thrill of high-stakes action.
### Claim Your ₹100 to ₹500 Bonus: Kickstart Your VIP Journey
To celebrate your entry into the world of Teen Patti VIP, we're offering all new players a generous bonus ranging from ₹100 to ₹500 upon signup. This bonus is credited to your account instantly, giving you the perfect opportunity to explore the app, test your skills, and win real cash prizes without any initial investment. With this VIP bonus at your disposal, you'll be well-equipped to conquer the tables and emerge victorious in epic showdowns.
### Withdraw ₹100/-: Instant Cash Withdrawals
At Teen Patti VIP APK, we understand the importance of swift withdrawals. That's why we offer hassle-free cashouts, allowing you to withdraw your winnings with ease. Once you've accumulated ₹100 or more in your account, simply initiate a withdrawal request, and your funds will be processed promptly. With our secure payment system, you can trust that your transactions are safe and secure at all times, giving you peace of mind as you play.
### Exciting Gameplay and VIP Tables
Once you've downloaded Teen Patti VIP APK and claimed your bonus, it's time to immerse yourself in the exhilarating world of VIP gaming. Our app features a variety of Teen Patti variations, including Classic, Joker, and AK47, each offering its own unique twists and challenges. Join VIP tables, compete against elite players from around the world, and experience the adrenaline rush of high-stakes Teen Patti like never before.
### Conclusion: Elevate Your Teen Patti Experience with Teen Patti VIP APK!
In conclusion, Teen Patti VIP APK is your ultimate destination for VIP Teen Patti gaming. With easy downloads, generous bonuses, instant withdrawals, and thrilling gameplay, the app provides everything you need to enjoy hours of entertainment and win big. So why wait? Download Teen Patti VIP APK now, claim your VIP bonus, and embark on your journey towards VIP greatness today!
submitted by 3pattirummyy to u/3pattirummyy [link] [comments]


2024.05.15 15:43 Oskyyr Game crashes when I try to join the world

I realy need some help.
I want to play the game because of the new released updat. So I installed the new update and tried to join, which I had to interrupt with alt F4 because I forgot somethin and I needed to leave my PC. After that I tried to join and the game allways crashed without telling me whats wrong. I veryfied my files even reinstalled it two times. But nothing seems to work, it allways crashes in the loading screen after selecting your start location. I noticed that if I hover over the "change server" button it tells me that I cant, because my avatar is still in the game. Which is confusing, because i didnt join.
So if anyone knows whats wrong, I beg you, I personally am out of wisdom.
submitted by Oskyyr to starcitizen [link] [comments]


2024.05.15 15:41 Loser_Baby_19 "Boo is living the best life with his family!" - Pete Moss, May 2024

“Boo is happy and VERY healthy” - Pete Moss
Greetings fellow simian lovers, long time no see. Been busy with personal things lately so haven't had the time to post recently. Just a brief post today and will definitely create more soon when I have the time available (noticed our boy Pete with new content on his YouTube pages, oh I can't wait to roast them, just when Pete thought he was safe LOL).
Anyhoo, wanted to highlight a picture of Boo that Pete posted days ago on his social media pages, as well as highlight a thumbnail on Boo's YouTube page that FAH-Q-All and I noted.
Noticed anything?
Correctomundo.
According to Pete, Boo is SO ‘healthy’ and so VERY ‘happy’ that he has to post older Boo photos on his social media pages instead of what Boo looks like now. See how Pete posts a stylized picture of younger Boo in happier days painting instead of how Boo looks now? See how Pete posts an old Boo photo as the video thumbnail of his most recent and newer Boo YouTube video? And of course Pete continues to post old Boo clips to mislead the public.
It's amusing but also pathetic to see a few people questioning what happened to Boo since they never see him anymore, to which Pete gives the standard canned reply that Boo is ‘healthy’ and ‘happy.’ And I noticed that he changed the way he mentions that Boo is featured on his live videos; before Pete made it seem like Boo was seen every night on his live videos like the old days and now he's modified his response to infer that Boo is shown selectively at times on the live feeds.
If Pete thinks Boo is so ‘healthy’ and ‘happy’ nowadays, then why does he not post a picture of what Boo looks like now instead of using something based on what Boo looked like years ago. Why does he keep posting old Boo videos instead of making meaningful new ones? This guy, man, he really does take his fan base for fools.
Two years of seeing Monkey Boo suffer under this ignorant owner who continues to gaslight, lie, ignore, and cover things up because his narcissistic ego refuses to acknowledge the errors of his ways. He cares more about himself than the true welfare of his monkeys. He truly is not fit to own any wild animals.
submitted by Loser_Baby_19 to MonkeyBoo [link] [comments]


2024.05.15 15:41 throwayrealestate345 Project almost complete -- then a bomb dropped

I need some advice. I feel way out of my depth and literally have no idea how to proceed from here. Any help would be appreciated.
I invested 100k in a renovation project about 5 years ago. It had some hold-ups due to Covid, environmental issues, etc., but will soon be ready to start leasing apartments. I own roughly a 10% share of the profits, and up until very recently was led to believe that everything was progressing relatively smoothly: costs were up, yes, but rent prices would be higher, too! Daily updates of construction work were provided in videos and images. The property started listing apartments on Instagram for pre-lease. It all seemed like it was coming together. The idea is that by the project's completion, my $100k share would be worth $500k, and I would be making around $20k before taxes over the year. My unhatched chickens were counted night and night again as I began to dream of financial independence.
Then the bomb dropped.
I started asking the person in charge of the deal about tax obligations, and I noticed that they were suddenly a bit less responsive than usual. These set off warning alarms, so when they finally got back to me with half-answers, I requested a phone call.
On the phone, I was told that the project ran significantly over budget, and that two of the partners had to take out additional money to finance to project, and get an additional bank loan. As such, I was told, my ~10% share has been reduced to a ~5% share. After foufive years, the property would be sold, I would get 300k (much less than the 500k share I had been told about), and all rent collected would go toward repaying the interest on the bank loan, ie no rental income for those foufive years.
However, in the operating agreement we signed, it says:
In the event that the Members determine that additional Capital Contributions are needed in excess of the aggregate Capital Contribution contributed by the Members pursuant to Schedule A hereof (any such additional Capital Contributions being referred to herein as an “Additional Capital Contribution”), then each Member shall have the right, but not the obligation, to make a Capital Contribution in an amount not to exceed such Member’s percentage ownership (as set forth in Schedule A) held times the amount of the Additional Capital Contribution. The election to make such a Capital Contribution in accordance with this Section 2.2 shall be made within fifteen (15) days of receipt of any request therefor made by the Members. If a Member (a “Noncontributing Member”) fails to pay all or any portion of his Additional Capital Contribution to the Company by the due date (the “Unpaid Proportionate Share”), the Manager shall deliver to all other Members (the “Other Members”) written notice of the Noncontributing Member's failure (the “Deficiency Notice”). The Deficiency Notice shall specify the amount of the Unpaid Proportionate Share which the Noncontributing Member failed to pay and the date on or before which such funds are required by the Company, which date shall not be earlier than three (3) days after the date the Deficiency Notice is given. Each of the Other Members shall have the right, but not the obligation, pro rata, in proportion to his or her Percentage Interest to pay the Unpaid Proportionate Share. Other Members who paid any portion of the Unpaid Proportionate Share shall have their Capital Accounts increased by the amount of the Unpaid Proportionate Share paid by them. Such increases shall be apportioned among such Other Members in the ratio of the amount of the Unpaid Proportionate Share paid by each such Other Member. The percentage interests of all Members shall then be adjusted based upon their respective Capital Accounts.
At no point was I ever informed that I could contribute more to the project to maintain my ~10% share. At no point did I ever receive a deficiency notice, or any other such document. I also never received any information about an additional loan being taken out.
On another note, I recently contributed an additional $100k to separate real estate project managed by the same person, and I'm starting to question that decision.
So, what should I do? Should I contact a lawyer who deals with real estate issues? An investment advisor? I really have no idea where to proceed from here. Any help is welcome. I'm at a complete loss. FWIW I'm a non-resident and non-US citizen.
submitted by throwayrealestate345 to RealEstateAdvice [link] [comments]


2024.05.15 15:39 dtbrown101 Looking for free, very, very thorough deep dives on major Supreme Court Cases?

Alright, I imagine this post is kind of unique for this sub, so stay with me.
I am a high school government teacher, working to train an AI to work as a sort of "expert witness" during the Oral Arguments portion of a Supreme Court simulation. That's to say that I'm loading an AI with reliable sources on Supreme Court Cases, and instructing it to pull exclusively from that information, as my students inquire about details of the case. The AI will search these records, identify the information they need, and present it in layman's terms.
I've had a really easy time finding court opinions and loading those in, but I've found they're really lacking specifics, and tend to just generate responses that reiterate the decision of the court. I would like to find some like, massive, extremely thorough files, so when my students ask things like "what was the difference in funding between schools in San Antonio vs Rodriguez?", it will actually provide them with numbers and data.
I assumed this would be public information and crazy easy to crack open...but then I remembered that I don't have a law degree, and have like, a passable understanding of what I'm really looking for.
Is anyone aware of the resources I would want to plug into this AI and where I might find them?
Thanks for your help!
submitted by dtbrown101 to Ask_Lawyers [link] [comments]


2024.05.15 15:39 xfallenangelx95 [28/F] Seeking emotional support and highly empathetic people.I would love to find someone who doesn't judge others or make fun of them.It's very Important to have someone to rely on :) I'm here for conversations with emotionally mature people who don't have friends and need someone to talk to 🍀🌸

(Only Europe, Please) - short note - If you're not into reading or receiving long messages,don't read any further + Please If you don't want to read everything because of my post being too long for you & instead of reading It all - ..skip some parts - find another person to talk to.Let's respect each other and our free time. All people criticizing/making fun of me & other people - will be blocked.Pretty much as people questioning my post and giving me unsolicited advice.I'm not here for any conflicts and I know I can't please everyone - I know I never will.. However It's me who should feel comfortable in my new potential friendship & obviously someone who wants to be my friend - not the whole world.. which is why I don't need any advice from people who don't even want to be a part of my life. The amount of rude people on Reddit always criticizing others and making fun of them is unbelievably high but let me tell you something - NEVER let anyone make choices for you and criticize you only because you're different! Always fight for your dreams and never let anyone make you think you're worthless! It's your life and you're the one deciding what's best for you - If you want to judge me despite not even wanting to talk to me or give me advice better block me! I'm an adult woman and I make all decisions on my own.I'm not trying to "fit in" and be like everyone else - just to get more attention.Accept me for who I am or let go - is my motto.

🤍
Hello guys! 🙂 (read everything before you decide to send me a message) Please send me a message ONLY If you're in the same situation and If your expectations are the same as mine.I want to find like minded people from Europe (Why Europe? Read my post to find out) I'm looking for something permanent (remember - you can feel lonely even If you're surrounded by others - If there's no emotional bond) I'm fed up of meeting people who never make time for me & only text me once or twice a week to ask me "what are you up to?" Out of boredom.I don't want to meet people asking others a million of questions like "what's your favorite movie?" Just to give them one word answer and ask them another question "and music? Your favorite song?" I'm looking for something "deeper" & different 🙂

🤍
What kind of friend would I like to find? Someone to talk to on a daily basis - Someone who needs It & wants It just as much as me
🤍
What are my expectations? I would like to meet someone in a similar situation – why? Because I honestly feel like only a person with the same expectations and a similar outlook on life would get along with me & because I feel more comfortable talking to people like me..Friendless people who need a strong bond - people without friends and partners.. Don't get me wrong…Most people deserve to be happy and It's good to have friends but people who have friends or families in real life are usually more focused on them (which is completely understandable) & have less time for others + I simply don't want to be replaced by anyone..I kind of envy people who can call others , true friends given I don't have an emotional bond with any of my acquaintances. Please send me a message only If you're not In a relationship and don't have friends for the same reasons I've already mentioned before

🤍
Whenever I hear that others have friends I simply get sad because (believe it or not) If I had to choose between 20 people to talk to (acquaintances) and one special person - I'd choose that one special person without any hesitation .

🤍
I also want to talk to others every day because..I want to see someone’s effort & be someone's first choice - not another person to have random conversations with..some people ask me "Why do you want to talk to people from Europe?" Well..Because I would like to see someone I'd get along with - In the far future - face to face :) + I don't want to wait any longer than 6 hours to receive a message - waiting 6 hours to receive a message is more than enough

🤍
I'm by no means criticizing people who don't want to talk to others often / People who really are super busy & People who want to find someone to have unimportant conversations with - I'm aware that not everyone has the same expectations which is why everything you're reading now - is here for a reason :) All I'm suggesting is - I don't want anything temporary and I don't want to be the one always giving more than receiving.Listen people - I used to ignore being..ignored by others..always being just an option to talk to during tough times or moments of boredom.I was too young to realize that I was never important enough for most people that were a part of my life. I don't know who needs to hear this but..No one is too busy to make time for you! People make excuses to avoid others because they prioritize everything and (maybe) everyone..over them. It's true that most people are busy - but It takes only a few seconds to start a conversation (If you're into short messages) and a few minutes (1-10/15) to type a long message . Don't let anyone lie to you.

🤍
Truth is that most people either don't like you enough to make time for you or just simply - feel no need to talk to others often but are they too busy? No..You don't need to send me a message just to ask me and tell me "Do you really want to talk every day? I like long messages but I can't promise to contact you often" If you really are unsure please don't send me a message.I don't need more acquaintances aka people to talk to - occasionally.
🤍
I'm not trying to sound rude but conversations once or twice a week wouldn't be enough for me and I don't need them... Let me tell you one thing – A true friend would never just give up on you for no reason :) It’s always possible to find someone to have a random conversation with – someone willing to send you one message once or twice a week..but..It’s almost impossible to find people willing to make more time for you.

🤍
I’m not asking a busy person to make time for me by changing some plans! Absolutely not! I’m here to find someone who wants to talk daily (throughout the day or maybe even night) of one’s own will.Someone looking for the same kind of connection.Strong friendships are based on mutual support. One of the best things you can do for a friend in need, is just to be there for them when they want to talk.I often see posts from people who always say how friendless they are because they don't feel loved or appreciated by their "friends" remember! A true friend - someone who truly likes you or someone who wants to get to know you - will always find time for you.

🤍
I'm not interested in small talk/short messages - I love long and meaningful conversations. It's so easy to find someone who loves abbreviations and questions like "How are you?" How was your day? Or what are you interested in? But so hard/almost impossible to find a person who knows how to keep a conversation going & show others some effort.Building and maintaining friendships takes time and effort.Never allow pursuits or possessions to become bigger priorities than your relations with other people.Close friendships are so important to us because they are so difficult to form + Having friends can help you feel as if you belong to something that brings purpose and connection to your life
🤍
• I do NOT respond to any „Hey,hmu” or „u want to talk?” type of messages (super short messages or messages full of abbreviations – I literally can’t stand abbreviations and acronyms in text messages) ALL messages full of abbreviations will immediately be ignored.I also don't like it when people ignore everything I say in private messages just to focus on a random question or? When they start talking only about themselves and don't ever ask me anything. I love conversations with people referring to everything I say...I want everything I say and do - to be reciprocated
🤍
• No NSFW profiles (checking mental health subreddits NOT included as I'm a huge empath and always try to understand others) - Please! I'm not looking for anyone to flirt with and I'm not looking for a partner either. I always check people's profiles (even comment history) - To avoid guys, trying to get inappropriate pictures from adult women or? flirt with them + I don't want to see you with no clothes on so If you're on Reddit only because you want others to see what's underneath your clothes - I'm not for you! I just simply don't want to see any s e x related activity on your profile If you want to talk to me.
🤍
• If both of us (you and I) are from the same country (I live in a non-English speaking country) - I want to communicate with you in our first language! No - Not because I don't understand English - because as you see - I do. Why then? English is simply overrated and people don't appreciate other languages as much as they should. So.. If we're from the same country and you want to talk only in English (which is quite common on reddit) - Talk to someone else. I just don't want to talk to a person from the same country as mine - in a foreign language as It's just something I don't understand even If all you want is to improve your language skills
🤍
• Please only adult people 18-36 (age range) It doesn't matter to me If you're younger or older than me (as long as you're not underage) So.. don't worry! I just want to have discussions with emotionally mature people :)
🤍
• I don’t respond to messages I don’t find interesting even If they're long - If after receiving and reading your message I don't feel comfortable or think "I wouldn't get along with him/her" I simply do not respond (what I’m suggesting is that I don’t always respond to someone’s first or second message because..sometimes you just know If you’d get along with someone or not- I’d never ignore anyone after days or weeks of daily conversations though) just because I don’t want to do anything forcefully & because I don’t want to lead anyone on. I read all messages but I definitely don't respond to all of them! I want to make it clear because I don't want to be accused of not responding and not reading people's messages! - Some people don't message me back as well and even If It's a bit disappointing I'm ok with that! - as long as there's no emotional bond - Not responding to someone's first or second message Is completely OK! If people think they wouldn't get along with a stranger - is there a reason to start a conversation? I don't think so. I can't stand being ignored after days or weeks of daily conversations and seeing people changing priorities over time.. but that's something different - something I don't want to go through ever again for real. If I'm really interested in someone's message it's impossible to hear from me "I'm too busy" because I know myself and If I had no time for others - I wouldn't be here. I don't want to pretend someone I'm not and always try to find some cheap excuses to avoid others. (unlike most people who don't want to talk to others)
🤍
• Don’t ask me “Can you tell me something about yourself?” If you really want to get to know me - you can ask me questions :) I'm an open book.
🤍
• It would be better If you guys were into emojis - like me - to describe your emotions In text messages. Two emojis - 🙂 and 🙁 are completely enough! I just don't like emotionless conversations.I also don't like it when people say "yeah" or yea"as it sounds dismissively. First impression Is everything to me! I want to see your kindness even in a text message - Emojis are very helpful to express your emotions.I don't want to meet people who say "crying Is a weakness" - It's OK to cry even If you're a guy!
🤍
• I want to talk on reddit first (just to make sure If I'd get along with you) before moving to Discord or some other app
🤍
• I would rather talk to a homebody - not another person who always has something to do as people who are very busy don't even have time for daily conversations
🤍
• If you're another person interested only in "childish conversations" such as "HEYOOO! I'M BORED! Ya like Pizza or cheese? xDDDD 🤣" I'm begging you! Don't send me a message.I'm not a child anymore and such messages don't make me smile or laugh.I'm looking for someone interested In serious discussions - not another person just seeking some entertainment out of boredom . Conversations with sarcastic undertones (even when It comes to some emojis such as 🤣😂) are not for me. Your typing style matters to me! Why? when It comes to online conversations with someone new - It's not always possible to know If someone Is laughing at you.. or with you. Let me tell you something else! Jokes about cancer, disabilities and death are UNACCEPTABLE to me. If you find joy In someone else's misfortune you are not a person I want to know.
🤍
• Time response matters to me a lot! I would never ask anyone to be online all day long and I'm NOT asking any of you for any instant messaging as I'm someone who would rather wait an hour or two to receive a proper response instead of some short and pointless messages but I'm interested only in daily conversations and I don't want to wait any longer than 6 hours to get a message from you.I don't need unbelievably long messages either! Messages as long as the second paragraph of my post - are completely enough. If you like longer messages? you can send me a longer message, but If you want to send me one word or one sentence as a response to my post - don't expect a reaction from me. I don't want to come across as rude - I just don't want to waste your time
🤍
• I'm strongly AGAINST picking on people you don't even want to chat with - and making fun of them! I can't stand people who criticize others publicly or make fun of them! (only because they disagree with someone they don't even know) There's no place In my life for someone using Reddit, to hurt other people
🤍
• I'm not into foul language and I definitely don't want to talk to people who swear a lot...
🤍
• I want to meet assertive people who know what they want and always stand up for their friends
🤍
• I want to meet someone willing to call me In the future, someone spontaneously sending me pictures of animals or food, et cetera. I want more than just text conversations.. 🌻
🤍
Why can’t you see any of my hobbies listed down below? Because what really matters to me is..who you are (If you’re honest, talkative ,understanding, caring and trustworthy – for example) just simply – It matters to me what you’re like! not what you like.Don’t get me wrong – you can tell me what your hobbies are but from my point of view - people's hobbies are important - If you want to find a gaming buddy or If you want to meet someone to hang out with in real life and..go bowling for example.What most people seem to care about are other people's passions – I don’t. I get along with other people despite having completely different hobbies but I absolutely don’t get along with people way different than me (different expectations and outlook on life – way different sense of humor or personality traits – It’s just an example) It doesn't make ANY DIFFERENCE to me If you're a gamer or? Someone interested in photography! It doesn't make any difference - > as long as you're talkative and kind and If you also want to find someone willing to stay in your life..for good - But If you're into small talk and all you want is to...type and receive super short messages or If you're here only because you're bored and don't know what to do + If you're a very sarcastic person - I'm definitely not for you! I don't get along with overly sarcastic people turning everything into a joke. Friendships should be natural – not forced. I wouldn't get along with people who laugh at everything.. In my opinion most people are way too sarcastic.. It's quite sad... Sarcasm can also be another form of passive-aggressive behavior.

🤍
People who want to be to friends should feel comfortable and have something in common. No - not necessarily a similar taste in music or movies but something else..Most friendships don't fizzle out because of people not having the same hobbies but..because they just simply have different expectations when It comes to something important.I'm not here out of boredom and trust me - I'm not here to meet as many people as possible.I choose quality over quantity.I highly value myself and my time & Sometimes one person but a person who makes you feel comfortable and understood - is more than enough :) We ALL can choose what kind of people we’d like to talk to and maybe even become really good friends with and I? I don’t want anyone to be disappointed.We all have some expectations after all.I know that people don't have to talk as often as possible in order to become friends but I'm interested only in daily conversations. If you really need someone to talk to due to loneliness and If you have time to talk to me daily (throughout the day and maybe even night) I always make time for others.I'm literally always available.I could even stay up all night long only to talk to someone important to me. I’m ready to commit but only If there’s some chemistry between me and someone else.I don’t do anything forcefully.

🤍
If you want to talk to me tell me your story - tell me why you're here, what kind of friend would you like to meet :) Et cetera.Such messages are way more interesting to me than...someone's long list of hobbies. I know! It's unusual on reddit but I don't make friends based on hobbies..I want to meet someone with the same mindset as mine to finally feel understood and get close to someone new. You can share your problems with me - I absolutely don't mind "complaining" as I've been through a lot in my life.What do people usually tell you when you tell them that something's wrong? "Don't complain" or "Life's not over yet - one day you'll be happy" or "There are worse situations than yours" and..obviously "Find a therapist" Life's not a fairytale and sometimes things don't go as planned.Emotions shouldn't be bottled up.I'm sick of people always telling others "everything's gonna be ok" move on " & more..Trust me people - not everyone wants to hear "Just believe in yourself and everything's gonna be ok" Some people take it as reassurance - but others? They would rather hear something different 🙁Imagine being told that things will be okay, only for them to get worse..Do you guys know why telling someone "everything's gonna be ok" Is wrong? Because you can't see the future.

🤍
You can't guarantee others that one day they'll finally be happy + when It comes to social interactions - We're responsible only for ourselves - not others & as you guys know people let us down quite often (sometimes even when there's no reason) so instead of telling people how they should move on, forget everything and be happy or asking them to find a therapist - be there for them! Always be willing to listen to them If you really like them or want to get to know them & don't suggest everyone in a tough situation to find a therapist because even the best therapist won't ever replace a true friend + It's quite normal to be disappointed If people always do something to hurt you. Sharing your hardships with other people in a very similar situation or exactly the same one - is VERY helpful If the other person understands you & wants to start all over by just letting it all out! Feeling emotional support instead of always hearing some "positive quotes" or someone saying "Stop complaining let's talk about something else - Is very important! "Everyone needs a shoulder to cry on. I appreciate sensitive people who always try to understand others. If after hearing a sad story all you want to say is "forget the past and move on" you're not for me. It's important to be a good listener and provide emotional support to others

🤍
Please - If you're a completely different person than the described type of person I'm looking for (If you love abbreviations,If you don't need a stable friendship, If you're sarcastic and quiet) or If you simply disagree with my post - don't force yourself to send me a message.I want my new potential friendship to be natural which is why I want you to contact me only If your needs are the same - I don't want you to pretend someone you're not - only to please me - Pretending to be someone you're not - is the worst.I want to finally be happy again & find someone "always" wanting to talk - sending me random pictures throughout the day - food pictures or pictures of some animals. What is the most important to me? I want to find people who value online friendships as much as they would value real life ones as there's another human being on the other side

🤍
No comments please.Only Private messages and chat requests 🌺
I know It's possible to meet people with exactly the same expectations as mine but It's just not easy because most people are Interested In temporary and entertaining conversations. People like me are just "different" I really want to finally find someone who loves emojis as much as I do.. someone who loves sweet, warm and serious discussions at the same time. Emojis really do - change conversations 😊
submitted by xfallenangelx95 to friendship [link] [comments]


2024.05.15 15:39 BlackPheonix9 I got access to a 2.69 Million Dollar Crypto Account (Pt 1)

A couple of days ago I got a text from an unknown number on WhatsApp, usually they're people I know and I just haven't got their number until then, but this time it wasn't anyone I could envision. It was a foreign number with the +2-- something. I assume it was African as I had seen multiple country code numbers start with a 2 and the country's name sounded like it was from there(I am African by the way). I was given a welcome text that you usually get from a service related to forex and crypto. The text wasn't for me as the name wasn't mine and I had made no account with the service details. The person who sent it got the wrong number (somehow) and didn't send any additional information or P.S'. At first I thought it was complete bull as I actually got into forex through Meta trader (MT5) and ever since my phone's personalized ads have added it to the content I see. I waited until I got to a focused space to investigate.
To crush my hopes it wasn't login details for MT5 which I have gotten to know quite well, but there was the website to log into included. I typed it in, used the details and without much barriers, Login Successful, I was allowed in, no two factor authentication or nothing, I thought it was quite a quite lousy way of security but I wasn't going to complain.
Just to be clear, I will not say every little detail so I won't get finessed by a hacker smarter than I, as I believe just bits and pieces of information is all someone needs to pinpoint the details for themselves, yes what I did could be depicted as stealing but it is what it is.
I proceeded to navigate through the site, finding out this person who the details were meant to be for had not only 2.69 Million dollars worth of a crypto and around more than half a mill in USDT. With prior knowledge I knew the layout would have a withdrawal option and a crypto wallet to send to the section. So I got one of them that was connected to my bank for quick and easy withdrawals. I decided to do some rounding, and do little mercy and take +98% of the money in there, although I know I'm on the way to get rich on my own, I'll choose a shortcut over a hardworking and persevering story any day, I'm clearly not an Anime MC. It was all going well, a little too well, there had to be a catch, there was!
A Key, a digital key, I could not find it in the text or the website, the key was a passcode that only the original creator knows, I did some research and found not even the hash method would work, only he has it, but I was determined... kinda. I replied back to the original text asking how to use my key and precisely sent it in a way I believed the owner would have said it in; And in the meantime while waiting on the reply I took to google and researched how to use password hackers. I came across Passgan but none of the sites had any download options and I was losing motivation, I had work coming up. I had attempted the key many times already seeing if I could guess some obvious ones but it wouldn't budge, but I knew the brute force method was sure to work eventually. I found a software that did what I expected, so I had put in who what when where and why's type of whatnot of the password I needed unlocked, and good thing there was somehow seemingly unlimited attempts.
I activated it, put my device away and let it do its work. I had gone to make some cordial and run random quick errands out of excitement, weird what humans do when they feel like something will go their way for once. When I returned to my device it had shown the funds at a different balance to pre withdrawing, I couldn't believe it wasn't there. I waited another span of time, a bit longer than the first time because I assumed a transfer of that size would take a couple of hours at least. I checked the wallet I sent it to. It was 7 figures higher than what I had before.
In around 2 seconds, thoughts of how my life would change flooded my head more than any fantasy I could ever have connected. I've seen enough movies to know 1 mistake could make the whole operation topple down so I continued to keep it in until the job was actually done. The last step was to have it go from my digital crypto wallet to my bank account. I knew sending 7 figures to my bank would trigger suspicion for sure so I decided to only send feeble amounts at a time, but even this method wouldn't be enough for me. In the country I'm in, unexplained wealth is grounds for arrest as I've seen on the news a few times.
I thought to just do my whole thing real slow, I wanted nothing more than to quit my job, but hadn't yet found a suitable alibi to unexplained wealth. You don't just go from the lowest tax bracket to the largest in a few days.
I decided I will withdraw just around a band or two to a high interest savings account every week and have it make me money. The one I settled with which I was already familiar with had a rate of +4%. I decided that I would quit work and just say my family had been supporting me while I study something that pays really nicely, a ticket in advanced construction and some aged care or disability work and claim to have simply been working a fuck ton saving almost every possibly dime using some nonsense Andrew Tate motivation, they would surely buy that story, well for anyone who came looking. Then I should be able to sneak in my money and the other money together and hide it once more within a family business that would gladly help me out.
The things in the last paragraph haven't happened yet but so far it looks like it is going to go my way,
Why would a millionaire take to reddit and not twitter or something? Again I'm trying to hide this money but I so badly want to tell the story and I need to make a lot of money fast, I won't jeopardize myself that stupidly, even this story could mess things up but I doubt it. Just making this, using Ai to make a brain rot video out of it should bring in a couple thousand views to add to the money. So that basically 3 Million in a year or so can be justified on paper if it comes to it.
I don't even use reddit like that, but I had known most of the stories on my tik tok come from her, it was the first thing to come to my mind. My phone is dead too and the charger was bugging, so somehow as a millennial or Gen Z whatever or the fuck I'm in am able to sit and write this down in 1 Sitting is wild. I will write part two if it is interesting enough to y'all. (May 2024 is where this all unfolded.)
submitted by BlackPheonix9 to stories [link] [comments]


2024.05.15 15:33 yokeydoke yuzu not creating shaders after an update...? steam deck

Im using yuzu from steam deck, and after a few months of using steam deck I decided screw it ima play smash. I always played this game with my buddies, so I had most the shaders loaded. I update yuzu, then boom. Everything causes lag. every time I press a button in game, theres lag as if theres no shaders. me and my friends got past this for the first few times it happened but now we dont play steam deck anymore specifically cause of this issue. I know its not creating any shaders cause I go into the shaders folder and its the exact same size down to the kilobyte from before i even opened the game after a long play session. anyone have a fix? Or an older yuzu version? something from mid december?
submitted by yokeydoke to yuzu [link] [comments]


2024.05.15 15:33 Chris_Sneakers_97 Favorite artist?

Who us your favorite horrorcore artist of all time and why?
Mine is Twisted Insane, without a doubt. I love the fast flows and vivid wordplay. His beat selections are some of the best in the entire game. No album sounds the same. Speaking of albums, the way the tracks on his albums flow together, and include skits and samples from movies/shows, make each album a cinematic masterpiece.
submitted by Chris_Sneakers_97 to Horrorcore [link] [comments]


2024.05.15 15:32 btk1017 Forecasting Backlog Items

I'll preface this first, I am not a scrum master, I only have experience as a product owner in the past, where I delegated tasks to my team of data analysts and data scientists. Fast forward to my new role at a consulting firm, I've been tasked as a scrum master, even though I've advised my leadership I am not a scrum master but a leader of analytics and data science.
Unfortunately there is no budget for a scrum master so I have no choice but to move forward as such. I've tried explaining to my leadership of the concern I have for this but they only see this as an excuse and I have no argument or justification left.
I need advise on forecasting the user stories. I have a backlog of roughly 90 items that need to be addressed. There are several epics involved in the backlog and smaller items. The backlog items are primarily data related (loading new data to a warehouse, analytic projects, reports, dashboards etc.) We have one other scrum master on our team and I feel like its unrealistic at this point to provide an estimate. I find myself just looking at the excel with the items for hours without doing anything. I need HELP! Does anyone have good resources, estimates of time, justification I can provide to my leadership on how this will be a complete failure without the right PM's and or Scrum Masters? Any help, suggestions, words of encouragement are appreciated.
submitted by btk1017 to agile [link] [comments]


2024.05.15 15:32 lilkrazykat So close yet so far

So close yet so far
I know I'm not the only one who hates paywalls
But my other issue that has been bothering me as of late...
(( but have nobody to ramble about it to aside from family who I think are tired of hearing me talk about it.))
Is that it all goes by so quickly like I can race pretty decently...highest ranking I've gotten is platinum
But I have 0 time to earn up enough to get what I want.
Example being.
I wanted to earn Ralph for a friend so that when we play together he'd have someone cool to play as, as I like playing as vanellope and being able to play as the due would but cute harmless fun right? Plus it only makes sense to get him to complete the duo set...well
I don't have many racers...if any...nor do I have a lot of tokens or golden points....
Why
I'VE SPENT...SO MANY GOLDEN DAMN POINTS ON THE DAMN BOX FOR MEG
Or for any other character so I can earn up for Ralph BUT FOR SOME REASON I only get crew members.
To paint the picture...where I currently stand I was able to unlock all but the last bit for the golden pass...and still have yet to get Ralph because you need 123 badges to unlock this one node...only issue I've only unlocked...121
I need to level up captain gantu and meg to earn the last two AND ITS BEEN 2 WEEKS and I've still yet to get him...at this point I've given up....
This isn't the only time I haven't been able to save up 'fast' enough for the damn deadline btw...I'm looking at WALL-E and EVE As I really REALLY wanted to get the starbox for them a few weeks ago when it was in BIT COULDN'T AFFORD IT UNTIL AFTER...
This. Is. Pain...
Thank you for reading this far, I have like no friends who like Disney stuff considering the whole....issue with them RN and tbh I don't even like Disney all that much I'm more of a Pixar kid but it is what it is.
I'm not gonna topple the propaganda and controversial topic that is Disney's choices but I will say I only play this game for Pixar and racing stuff and that's it
Besides if anything this game is more so a Gameloft thing than a Disney thing...like I don't think any funds from this game really go to Disney aside from the rights which like what isn't owned in that sense by Disney for entertainment these days 😂
I just wanted to rant and ramble for like....a minute even if it was to a wall.
submitted by lilkrazykat to DisneySpeedstormGame [link] [comments]


2024.05.15 15:31 albert1165 Foreigners sold 8200 B VND VHM since the beginging of the year, SBV pumped $400M for payment

1/ foreigners sold 8200 B VHM since 1/1/2024, about $350M. This is on top of about 10k B VND VHM foreigners sold in 2023. Link: https://m.cafef.vn/khoi-ngoai-ban-rong-1-ty-usd-tren-hose-tu-dau-nam-2024-vuot-qua-gia-tri-ca-nam-ngoai-dieu-gi-dang-xay-ra-188240515003342213.chn use google translate to read.
As I have explained, some are real foreigners but a large chunk is Vuong Pham dumping through foreigners! Many people dont know this, they think foreigners are foreigners not relating to Vuong Pham. No, there are foreigners for hire to dump. In Vietnam. In Amerca as well. Look at YA II. This is the shady financial world that ordinary people don't know about. After all, Vuong Pham needs huge money to finance Vinfast.
Who were the buyers? Clueless Vietnamese retail investors. The pro and real foreigners have been liquidating their holdings while they can. PYN has sold all of their VIC / VHM holdings for quite a while. Other funds are doing the same.
2/ On 05/14, the State Bank of Vietnam sell $400M to banks for payment. Link: https://vneconomy.vn/ngan-hang-nha-nuoc-tang-quy-mo-can-thiep-ghim-cuong-ty-gia.htm use google translate to read.
It is known that Vingroup needs to pay about $310M around this time for the half of the $620M exchanged foreign bonds.
So it is a high chance that Vuong Pham is dumping VHM and buying $ to pay debt due. This is just debt payment, not new money for business!
This has pushed up the vnd / usd exchange rate.
Vuong Pham is wrecking the Vietnam economy and few people know. Anh this will continue until Vinfast bankrupt.
Translate to Vietnamese and share.
submitted by albert1165 to VinFastComm [link] [comments]


http://rodzice.org/