Buffalo bill cody stamp 15 cents

WIBTA for being upset at my not so finically stable friend for not paying me back

2023.05.30 23:32 Ok-Wash6529 WIBTA for being upset at my not so finically stable friend for not paying me back

Im 21 and finically stable thanks to my parents. Never paid with a single cent of my own for school, groceries, internet, and for the most part gas. Im I’m my final year of college, moved out parents place about a year ago. Despite being finically stable, I still work to make more money, it all goes to me since I don’t pay bills. Occasionally I buy dumb things here and there, sometimes go on an eating spree spending about 30-40 a week on fast food but despite all that, I’m still making more than I spend.
My friend who I’ve known for years is 23, lives in a small trailer. Didn’t work for the longest time until 3 years ago when we got a job making 15 an hour, he was the only provider for his family until about a year ago (3 others in his household now work). Before he started working, always had one of the other guys in our group (there’s 4 of us) would pay for him when we hit fast food joints. Money was sometimes an issue with him for hanging out. His situation isn’t to the extent where he can’t afford groceries, rent, internet bills, and clothes on his back. He’s currently saving up for a car.
More on his spending: he’s huge on video games. He’s bought 2 Xboxes, a whole PC set up with two monitors, PS5, 2 Nintendo Switches (some of these consoles went to his siblings but he still purchases them). Early into getting a job, he switched phones pretty often, new iPhone dropped so he’d get it. His video game library across all consoles is MASSIVE, his in app/game purchase is also pretty big as far as I’m concerned.
I actually bought him the PS5 back in 2020 with the intention of him paying me back. In the weeks waiting for him to pay me back, he had bought an Apple Watch. I grew impatient and annoyed because PS5 went for 400-500. I’m sure he could tell I did because I asked about it at least twice. He eventually paid me back the first half and the second half later but it took a while.
Early April, our entire group agreed to buy tickets for an event. They were bought under my card. Each ticket is about $250. The event is in early June. I don’t mind not being paid back until that very day of the event but knowing my friend, I’m concerned he won’t and I’ll have to get on his ass about it. He’s going to have over 2 months to save up that money. He would have 75 days to come up with 250 (putting about 3-4 dollars in a jar a day from when we bought them would meet that goal).
I have faith that my other 2 friends will pay me in time but I’m mentally preparing myself if this one can’t. I’m walking myself through everything I can say or shouldn’t say. His money managing has had me and the other two talking a little and whether or not it’s a problem. We decided not to say anything and let it be but for the second time, he’s in debt with me for hundreds of dollars. What should I do if he were to fail in paying me back by the day of the event. WIBTA for confronting someone about his money management? For being disappointed or annoyed despite not being as finically stable as me or my other friends?

submitted by Ok-Wash6529 to AmItheAsshole [link] [comments]

2023.05.30 21:13 Intelligent-Ad-6025 The CDC's Most Recent Webinar On How They Plan To Treat Chronic Pain

The CDC’s and Other Government Health Agencies Skewer the Chronically Ill, Chronic Pain and Disabled Population; A Commentary on The Latest “Guidelines” From The CDC:
(please refer to webinar)
If you don't want to watch this whopping eight minute video about government ran agencies talking about how to run our health care services for those with chronic pain, chronic illness or disabilities. Or, if you have watched it but don't really know what it means, then I will just tell you what this about and what it means. Most of this is in response to taking away or banning in many instances, the use of certain medications used to treat chronic illnesses and chronic pain that has left people disabled. They are admitting the pull out of opioids/opiates as well as their attacks on other medications such as Benzodiazepines, ADHD medications and in some states they have gone as far to reclassify muscle relaxers and Gabapentinoids as scheduled 2 narcotics. The fall out from this has left many chronic pain patients, chronically ill and disabled people without ANY health care, greater mortality rate, higher rate of homelessness, less functionality, poorer quality of life and many doctors that were not pill mills but still locked up in prison for the rest of their lives for running pain treatment centers in rural areas. They also bring up that, curiously, even though opioid/opiate prescribing is lower then it has ever been in US history, they are seeing a steep incline of illicit use of opiates amongst the adolescent demographic, to which they have never seen before. They do not understand this because young folks who have "muscle skeletal" pain are usually prescribed NSAID's or acetaminophen; they just can't figure out why the rate of illicit opiates in this demographic is higher then it has ever been when they are not even being exposed to prescription opiates. That's it they end that issue just sort of scratching their heads. According to their data if some one has not been exposed to prescription opioids/opiates these children shouldn't be doing this. According to their data NSAID's and Tylenol should be efficient enough pain relief for any and all types of muscle skeletal chronic pain conditions. I won't put words in their mouth or give you my opinion on why that is, even though my opinion would be based on some very good data, medical studies and other types of studies that have been conducted over the years. I will say that I think I shouldn't have to give anyone that opinion because I think the answer is obvious; keep in mind these kids are too young to have ever been exposed to opioids/opiate medications or crooked marketing strategies by Perdu. They go on to promote something called "healthy people by 2030" which is a government health based website that advocates for many healthy life practices and choices. One of those things is making sure that the chiropractic's industry stays open for customers, not for free at a charge, to make sure they are accommodating the needs of chronic pain patients. I am not sure why this is said and done because chiropractic treatment has been available and continues to be. They go onto say those with loved ones, friends and family that are chronic pain patients; empathy and sympathy is what is needed most. "Many times chronic pain sufferers will try to pretend they are not in pain. If this is your loved one or a friend or family member, make sure to have plenty of empathy and sympathy. Also pay attention to their body language, if they are rubbing the part of their body that is in pain or making facial expressions it's important to remind them not to over work themselves. That they need to take time to sit and rest; we need to get society to where we are stopping chronic pain at it roots". So what that means is that they expect everyone in society, employers, family, friends, loved ones, complete strangers the entirety of the health community to accommodate any all with chronic pain conditions (disability is not specified just chronic pain period). This is their answer, and the CDC is endorsing this, on how to treat chronic pain, chronic illness and disabilities in the absence of effective treatment (effective treatment being used currently is not discussed but current effective treatment implies without the use of opioid/opiate medications). Ok, so this is really confusing if you have not been keeping up with this stuff so let me fill you in on what this means in a deeper sense. As a person who has chronic pain, chronic illness or a disability. What you are supposed to do is make sure you are regularly attending physical therapy (cost estimate as much as $3,000 a session and as low as $45 for a "wellness" checkup that is only 30 min standard session is 1 hour fees vary depending on insurance, what company or if no insurance at all). Typically they recommend physical therapy once a week or every other week; although many primary and family care physicians understand once a month to be more practical for low or lack of income individuals (the CDC and Medicare almost demand once a week). You are also supposed to attend a gym and have an active membership. You are to seek a psychologist for cognitive behavioral therapy or psycho therapy to deal and manage your pain (costs on this can very widely as well as much as $200 a session). You are to see a psychiatrist to make sure your psychiatric needs are met with medications for mood management. You are also supposed to attend "mindfulness training" once a week; which is a fancy name for meditation. You are also supposed to attend either (and this is the only one they give options on) a chiropractor or get acupuncture done once a week. You are to follow up with your primary or family care physician to stay compliant on your meds (NSAID's, Tylenol, muscle relaxers, and then usually one of the following sometimes combined with one other thing but usually one; Tricyclic, SSRI, SNRI, anti-psychotic or anti-depressant that plays with neuro-nucleotides like Cymbalta, Amitriptyline, Nortriptyline, Effexor, Haldol as some examples, Steroids or Gabapentenoids such as Gabapentin or Pregabalin aka Lyrica). You are also supposed to see a pain management specialist at least once every other week (per CDC) for trigger point injections and nerve blocks or ESI's aka epidural injections (these can cost in a wide range as much as $5,000 for one injection the lowest I have personally seen is $2,000 for one injection to which some report as little as 4 hours of pain relief some injections patients report only 4 days of pain relief we are told these are supposed to relieve pain for as long as several months but really this is dependent on what pain condition you have and what is causing it and what type of injection is received for the injection). On top of all that they want to make sure that as a chronic pain patient, chronically ill or disabled to make sure to keep up with your social life by spending quality time with friends, family and loved ones. To make sure you are financially secure with either a job or disability/retirement benefits for those who apply (job is emphasized over over social programs). Lastly, to make sure you are eating healthy and getting between 8 to 10 hours of sleep a night (this is all per CDC and other government health agencies including CSMS for those whom are on retirement benefits). Now where were we, so essentially they want the entire society to let any one with chronic pain or illness or disabled to be allowed to go at their own pace. Allow for late appointments. Take breaks and rest as needed and avoid doing anything that causes or exacerbates chronic pain or illness and disabilities in the first place. They are not doing this as a policy they are doing this as a guideline so no company, corporation, business or any personnel is held to this by any legal measure. Once again I could insert my own take on this based on pretty solid evidence, but I think this is unnecessary as it should be obvious what the outcome of this will actually look like. I'll just ask this simple question; do you see an employer doing any of this for a customer or employee? Do you see all these different health care agencies accommodating to all their patients being late due to being slow and thus not punctual for this menagerie of different health care specialties the government health agencies want us to attend? The CDC seriously pushes for all, not just a couple, but all listed health specialties; and the other government health care agencies agree without question. They go on to talk about how they think the reason doctors feel so pressure by the CDC, DOJ and DEA in the helping of managing chronic pain or illness and disabilities is nothing more then they have not attended any of the CDC's seminar's; which are being updated for the fourth time in this single year. They say that doctors need to take time to understand and have deep conversations to understand their patients needs. That doctors need to be there for patients when in need of social rehabilitation and assistance such as obtaining a case worker, social worker or disability (which if you've been in this situation you know they will not do due to health insurance regulations, government interference, regulation or policy enforced by the company they work for or affiliated hospital, shortage on doctors due to covid and arresting so many for prescribing meds, health practices and administrations that run health offices running on a profit based model that basically demands that each patient visit only be 15 minutes to maximize the number of patients seen in one hour and legal issues in which many expert witnesses, colleges and other entities have sued doctors over the prospect of money which results in the termination of their job and license). Nope, none of that, it's all because they did not attend the CDC seminars that are continuously out of date and currently being "updated again" to ensure that doctors are staying compliant with the guidelines that are an unreasonable expectation at best and consistently changing. As one of the panelists says "after all these are not policies they are guidelines, and if no one knows how to work within those guidelines because they haven't taken the seminars they won't know how to implement them. We are really struggling with this one because when we passed the opiate prescribing guidelines for 2022 they were very strict and many states independently adopted these guidelines into law and policy that are different from state to state, but pretty much all do the same thing. We never intended them to be laws and policies but merely guidelines. When we released the 2023 opiate prescribing guidelines, we went back to the less strict guidelines resembling that of the 2016 opiate prescribing guidelines where the MME count was at 90MME instead of 50MME...we have seen no change in state accordance". These people act like our social safety nets are as accessible as over the counter Ibuprofen, when in fact they almost as accessible as the opioids/opiates they sought out to completely ban and obliterate out of our society regardless of the consequences is has had on health care providers and the chronic pain or illness and disabled people they were used to give back quality of life, pain relief and functionality. Andrew Klodney (one of the chief panel members that created the 2016 opiate prescribing guidelines) said "an entire generation needs to die in order for people to see my greatness". I don't think he meant to quote Hitler, but that is something Hitler did say; astonishingly Hitler also took opiate pain meds away from the chronically ill or in pain and disabled. Hitler also promoted "euthanasia" as a "humane and ethical way of helping those suffering to die with dignity". It wasn't until later many people found out he wasn't just euthanizing people who were in end of life care (or lack there of due to no opiates given to the general public, and only administered to his inner circle), as a humane and ethical way of dying with dignity; he was just killing anyone who had any kind of chronic pain, chronic illness, disability and that includes mental disabilities as well. Back on topic, the fact of the matter is our social safety nets, social rehabilitative services (SRS) like the SSA , food stamps, financial assistance and on have been slowly having their funding cut and certain facets of it being privatized over the years. The past ten years we have seen the most cuts and privatization of these programs then any other time in US history since their inception by FDR. The Americans with Disabilities Act (ADA) has not only been red taped but it is out dated. One of the reasons why you may have had your disability case denied is because the judge that decides on your case confirms the local job market with a job coach or vocational rehab specialist. The judge looks at your limitations and asks "based on this persons limitations, education and experience are their jobs in the local area this person can do and how likely is it that they can get one of these jobs?". The career specialist is financially incentivized to find a reason to deny a disability case for one. Two they do have to go off of what the current job market economy looks like, they only have to go off what it looked like since the ADA was last updated which was back in the 90's. This career specialist is absolutely reciting jobs that no longer exist and haven't existed since the late 90's or early 2000's and completely ignore the fact that things like pre covid door greeters are a thing of the past. They ignore the fact that job codes and other nifty legal loop hole language in job applications specifically designed to get around the ADA exist. They completely ignore that a vast majority of the republican party representatives have deregulated capitalism to the point of crony capitalism in the name of free market capitalism (give the employer the freedom to hire who they want and decide for themselves what is or is not a "reasonable accommodation"). This is so much to the point of government protections, I spoke with a disability discrimination attorney who said "the big corporations have got so much government protection and have been deregulated to the point I cannot even do my job. Many disability discrimination lawyers have changed their title or quit. There is no certainty or guarantee that anyone can hold a company accountable for disability discrimination anymore". To top all that off there are many company owned health care facilities, although this is not federally or state mandatory, have created policies where they are no longer taking private payers; people without health insurance. Some states are requiring each person who is disabled to reapply for disability every year, some states require that a person cannot be on disability for more then five years regardless of their disability statis. The state of Pennsylvania, to my understanding, has moved the retirement age up to 66 and the District of Columbia to age 67 some have considered even higher all the way up to age 71. Many states have cut food stamp spending or almost cut them all together to where many people who have been on food stamps for years have had their food stamps taken away from them entirely. In the state I reside in I was denied Medicaid due to the fact that, while he is my fiancé, we are not legally married and as far as they know he is nothing but a roommate. They denied my Medicaid claim because for a two person household, regardless of the relationship that person holds with you, one cannot make over the amount of $24,000 a year; I guess that is an acceptable amount for two people even when the money being made that is over $24k is not the person claiming Medicaid, but someone else's hard earned money. The mantra of the very conservative and traditionalist government when it comes to our social safety nets is one that would take us all the way back to the 1800's. Absent of major infrastructure where we all lived in small communities and everyone knew each other; they think it is the job of your friends, family and community to take care of you and not the government to which any one who has worked has paid taxes to support. The CDC and other government health agencies have made a catastrophe as the systems they are relying on are out dated, defunded and privatized. It is a system that essentially funnels people into homelessness and is one of the contributing factors as to why our homeless population continues to rise at what should be seen as 'at an alarming rate'. Which has led to outbreaks of diseases we have not seen since the 1800's like tuberculosis and cholera, due to all the human feces on the sidewalks and streets. I have been saying, it is a highly unsustainable system for the democrats to pretend they are the only party, take away pain meds which are the cheapest pain management regiment and most effective with limited risks comparatively, especially for those whom are disabled due to chronic pain and chronic illness and most likely to be unemployed or on disability. To take away opioid/opiate medications, act like they have the power to give all this untreated disabled patients with chronic pain and illness unfettered access to social programs when they do not have the ability to do this as every bill in the senate and congress put forward to do so in blocked, filibustered or expelled by the republican party. Along with that any headway progress that is made is undone on the state level where some states even redirect their social welfare funds to other entities like private home communities and private schools claiming "it stops early pregnancy and facilitates fiscal responsibility which helps homeless rates decline"; even though many chronic pain or chronic illnesses cannot be help or are caused by over working. Then the republican party red taps, defunds and privatizes our social programs. Then the republican party deregulates the market to where you cannot even hold a company accountable to nearly any laws at all. This is a system that is very dysfunctional as one is not guarantied disability income, health care, financial assistance, pain medication, employment and even if you do get employment there is no guarantee they have to do anything to accommodate your disability or health needs aside form allowing a person an inhaler for asthma or to make sure they can take their insulin during lunch. The CDC and the government health agencies that follow them blindly pretend that non of that is even ever an issue. In the webinar they even make claims that suggest if every one just lives as healthy as they possibly can, then no one would ever develop any underlying health conditions. I hate to be the arbiter of truth, but that is simply not true (that's me being nice it's BS with a capital B and we all know it). I don't know how we went from a society that understood snake oil pushers are everywhere to a society that might as well be saying we should live like the boy in the plastic bubble. Bubble or not the reality is as we grow old we fall apart and eventually we will die. You can live your life as healthy as humanly possible, and there is nothing wrong with that, but it will not stop anyone from growing old and dying nor will it stop all chronic pain or illnesses resulting in disability. Many of these things can be obtained genetically, many are from dangerous work environments that are physically intensive manual labor or repetitive and being overworked (70 hour work weeks are becoming the norm). Many times it is a combination of genetics labor. Being as healthy as you can by including (this is a real thing) waring SPF lotion inside can be helpful and lower risks but they are not a deterrent. We are incapable at this time of not only offering a suitable replacement for opioids/opiate medications, but we are also incapable at this point in time of having a society completely free of underlying health conditions such as chronic pain or illness and disability especially one where no one grows old and dies; one could easily argue we may never see such an existence as it may not even be possible. My final thought on all this is that I really don't care what kind of "guidelines" the CDC makes and other health agencies. Even if they make them into policy, how are they going to get an entire society and everything in it to accommodate (not even all) chronic pain or ill disabled people. People you don't even know, with so many conditions that cannot even be seen as they are internal. How is that even possible? Is that even possible or is this nothing more then fantasy or pipe dream? I know many people try their best and most have empathy and sympathy, but we can't even get what we already have to work in the favor of chronic pain or illness and disabilities to work now. Although many full able bodied people have the best intentions they have things going on in their life such as maintaining a sleep cycle, a social life and many of the above mentioned prescriptions given to chronic pain and illness people or those with disabilities by the CDC themselves. As the saying goes, there's only so much time in a day; and well there's only so many years to a life. Let us not deny the cold reality, taking care of a full grown adult with a chronic pain condition, chronic illness and disabilities is very arduous and taxing and most don't have the time or energy to take care of every chronic pain or illness disabled person for the 24/7 needs they may have. Let us also not pretend that every one out there has it in them to be 'the good Samaritan' especially multi-conglomerate corporations who hold a for profit model even if it is at the expense of another's well being or life and in this day age at the cost of our own society. There are many that will not engage with this, cut corners, do the bare minimum or just flat out not do it. They could be doctors, police they could be anyone within this society; ultimately it is a standard that cannot even be enforced and wont and I can pretty much guarantee that. This is the CDC's proposal of what to do since they took our pain meds away and chronic pain patients suicide rates have gone up 400%. They did this with no back up plan and since chronic pain patients and the chronically ill and disabled have had their health care turned into a joke with no resources to help. Taking away pain meds has also not caused a drop in the use and overdose of illicit opiates/opioids, it's gotten worse as many who seek their medical benefits take to the streets and become another number. The CDC members responsible for this just sit around scratching their heads like this couldn't possibly be due to the fact that they took away a safe supply leaving the entire population of society with either an illicit contaminated supply or the worst opioids or opiates possible which is buprenorphine (Suboxone) and Methadone; regardless if one is a recreational user or some one who needs them to function as close to a resemblance of their old life as possible for medical reasons; basically an entire rehash of prohibition and or the lead up to Nazi occupied Germany as if we have collective amnesia and haven't learned anything in the last 100 years at all.

submitted by Intelligent-Ad-6025 to ChronicPain [link] [comments]

2023.05.30 21:11 superbomb122 I simulated u/TheGeorgeKelly's Bizarro-verse Super Bowls to see who would really win

Credit goes to u/TheGeorgeKelly for the original post. I absolutely loved the alternate history concept, but I found the methodology for the winners and lack of scores a bit unsatisfying. To resolve this for my stat junkie brain, I booted up WhatIfSports simulation and spent the morning simulating every Super Bowl since 1970s with the runner's-up to find out who really comes out on top in Bizarro World. The results and game MVPs are below:

Season	Winner	Loser	Score	MVP
1970-71	Oakland Raiders	San Francisco 49ers	34-17	OAK WR Fred Biletnikoff: 4 rec, 140 yds, TD
1971-72	Baltimore Colts	San Francisco 49ers (2)	26-15	BAL RB Norm Bulaich: 15 att, 72 yds, TD, 2 rec, 26 yds, TD
1972-73	Dallas Cowboys	Pittsburgh Steelers	10-6	PIT CB Mel Blount: 2 tck, 2 INT
1973-74	Dallas Cowboys (2)	Oakland Raiders	21-20	DAL QB Roger Staubach: 14/22, 165 yds, 2 TD, INT, 5 att, 14 yds
1974-75	Oakland Raiders (2)	Los Angeles Rams	24-23	OAK QB Ken Stabler: 14/22, 247 yds, 2 TD
1975-76	Los Angeles Rams	Oakland Raiders (2)	23-10	LAR RB Lawrence McCutcheon: 20 att, 89 yds, 3 rec, 11 yds
1976-77	Los Angeles Rams (2)	Pittsburgh Steelers (2)	17-7	LAR QB James Harris: 17/28, 297 yds, TD, 4 att, 6 yds
1977-78	Minnesota Vikings	Oakland Raiders (3)	20-17 OT	MIN RB Chuck Foreman: 26 att, 109 yds, 4 rec, 59 yds, TD
1978-79	Los Angeles Rams (3)	Houston Oilers	23-10	LAR QB Pat Haden: 13/24, 182 yds, 2 TD, 3 att, 25 yds
1979-80	Tampa Bay Buccaneers	Houston Oilers	15-13	TAM RB Ricky Bell: 20 att, 64 yds, 3 rec, 19 yds, TD
1980-81	San Diego Chargers	Dallas Cowboys	21-17	SD QB Dan Fouts: 21/32, 307 yds, 2 TD
1981-82	San Diego Chargers (2)	Dallas Cowboys (2)	43-21	SD QB Dan Fouts: 22/24, 250 yds, 3 TD
1982-83	New York Jets	Dallas Cowboys (3)	39-17	NYJ RB Freeman McNeil: 22 att, 135 yds, 2 TD, 3 rec, 77 yds, TD
1983-84	San Francisco 49ers	Seattle Seahawks	21-16	SF DE Fred Dean: 5 tck, 4 sk
1984-85	Pittsburgh Steelers	Chicago Bears	30-17	PIT QB Mark Malone: 15/20, 170 yds, 2 TD
1985-86	Los Angeles Rams (4)	Miami Dolphins	13-10	LAR CB LeRoy Irvin: 2 tck, 2 INT
1986-87	Washington Redskins	Cleveland Browns	21-17	WAS QB Jay Schroeder: 13/21, 200 yds, 2 TD, INT
1987-88	Minnesota Vikings (2)	Cleveland Browns (2)	24-14	MIN QB Wade Wilson: 12/20, 207 yds, 3 TD, 2 INT, 5 att, -3 yds
1988-89	Chicago Bears	Buffalo Bills	17-10	CHI RB Neal Anderson: 21 att, 67 yds, TD, 2 rec, 21 yds
1989-90	Los Angeles Rams (5)	Cleveland Browns (3)	27-21	LAR QB Jim Everett: 16/23, 228 yds, 2 TD, 2 att, 5 yds
1990-91	San Francisco 49ers (2)	Los Angeles Raiders (4)	23-13	SF QB Joe Montana: 17/23, 254 yds, 2 TD, 7 att, 14 yds
1991-92	Detroit Lions	Denver Broncos	38-12	DET RB Barry Sanders: 21 att, 129 yds, 2 TD, 3 rec, 21 yds
1992-93	Miami Dolphins	San Francisco 49ers (3)	27-6	MIA WR Mark Clayton: 4 rec, 126 yds, 2 TD
1993-94	Kansas City Chiefs	San Francisco 49ers (4)	35-21	SF RB Ricky Watters: 19 att, 215 yds, TD
1994-95	Dallas Cowboys (3)	Pittsburgh Steelers (3)	40-10	DAL RB Emmitt Smith: 28 att, 127 yds, TD, 3 rec, 30 yds, TD
1995-96	Green Bay Packers	Indianapolis Colts	14-7	GB WR Robert Brooks: 6 rec, 90 yds, TD
1996-97	Jacksonville Jaguars	Carolina Panthers	22-21	JAX QB Mark Brunell: 18/24, 230 yds, TD, 5 att, 8 yds
1997-98	San Francisco 49ers (3)	Pittsburgh Steelers (4)	24-9	SF QB Steve Young: 13/17, 235 yds, 2 TD, 1 att, 2 yds
1998-99	New York Jets (2)	Minnesota Vikings	16-13	NYJ RB Curtis Martin: 23 att, 117 yds, 2 rec, 25 yds
1999-00	Jacksonville Jaguars (2)	Tampa Bay Buccaneers	10-9	JAX RB Fred Taylor: 10 att, 67 yds, TD, 2 rec, 15 yds
2000-01	Oakland Raiders (3)	Minnesota Vikings (2)	41-21	OAK QB Rich Gannon: 18/28, 252 yds, 4 TD, 8 att, 21 yds, TD
2001-02	Pittsburgh Steelers (2)	Philadelphia Eagles	22-16	PIT RB Jerome Bettis: 25 att, 119 yds, 1 rec, 8 yds
2002-03	Philadelphia Eagles	Tennessee Titans	20-6	PHI RB Duce Staley: 16 att, 48 yds, TD, 3 rec, 42 yds, TD
2003-04	Indianapolis Colts (2)	Philadelphia Eagles (2)	31-24	IND QB Peyton Manning: 19/23, 200 yds, 3 TD
2004-05	Pittsburgh Steelers (3)	Atlanta Falcons	22-13	PIT RB Jerome Bettis: 15 att, 70 yds, TD
2005-06	Denver Broncos	Carolina Panthers (2)	20-10	DEN WR Rod Smith: 7 rec, 119 yds
2006-07	New Orleans Saints	New England Patriots	27-24	NO RB Deuce McAllister: 16 att, 122 yds, TD, 3 rec, 49 yds
2007-08	Green Bay Packers (2)	San Diego Chargers	27-24 OT	GB WR Greg Jennings: 5 rec, 111 yds, 3 TD
2008-09	Baltimore Ravens	Philadelphia Eagles (3)	17-3	BAL RB Le'Ron McClain: 14 att, 73 yds, TD, 2 rec, 35 yds, TD
2009-10	New York Jets (3)	Minnesota Vikings (3)	28-21	NYJ QB Mark Sanchez: 11/18, 140 yds, 2 TD, 3 att, 15 yds
2010-11	New York Jets (4)	Chicago Bears (2)	30-3	NYJ RB Shonn Greene: 15 att, 106 yds, TD, 1 rec, 12 yds
2011-12	Baltimore Ravens (2)	San Francisco 49ers (5)	23-10	BAL WR Torrey Smith: 2 att, 50 yds, 3 rec, 77 yds
2012-13	New England Patriots	Atlanta Falcons (2)	24-17	NE RB Stevan Ridley: 16 att, 112 yds, TD
2013-14	New England Patriots (2)	San Francisco 49ers (6)	20-17	NE QB Tom Brady: 18/23, 168 yds, TD, 2 att, 4 yds, TD
2014-15	Indianapolis Colts (3)	Green Bay Packers	20-3	IND QB Andrew Luck: 9/15, 139 yds, TD, 2 att, 7 yds
2015-16	New England Patriots (3)	Arizona Cardinals	38-31	NE QB Tom Brady: 19/26, 302 yds, 2 TD
2016-17	Pttsburgh Steelers (4)	Green Bay Packers (2)	30-24 OT	PIT RB Le'Veon Bell: 21 att, 177 yds, TD, 4 rec, 18 yds
2017-18	Minnesota Vikings (3)	Jacksonville Jaguars	20-6	MIN RB Jerick McKinnon: 11 att, 52 yds, 2 TD, 2 rec, 12 yds
2018-19	Kansas City Chiefs (2)	New Orleans Saints	30-21	KC DE Chris Jones: 7 tck, 4 sk
2019-20	Tennessee Titans	Green Bay Packers (3)	35-23	TEN QB Ryan Tennehill: 15/17, 263 yds, 3 TD, 3 att, 11 yds
2020-21	Buffalo Bills	Green Bay Packers (4)	40-34	BUF QB Josh Allen: 14/22, 226 yds, TD, INT, 9 att, 14 yds, 2 TD
2021-22	San Francisco 49ers (4)	Kansas City Chiefs	42-30	SF RB Elijah Mitchell: 16 att, 178 yds, 3 TD, 1 rec, 11 yds
2022-23	San Francisco 49ers (5)	Cincinnati Bengals	19-13	SF RB Christian McCaffrey: 15 att, 144 yds, 2 rec, 10 yds

Some notes:
- Most rings: 49ers, Rams (5)
- Most losses: 49ers (6)
- Most appearances without a win: Browns (3)
- Most appearances without a loss: Jets (4)
- Most appearances: 49ers (11)
- No appearances: Giants, Texans
- In real life, the Giants have not lost a post-merger conference championship game, while the Jets have not won a post-merger championship game. The opposite is true here, with the Jets also having 4 post-merger rings like the Giants IRL. Funny how that worked out
- The Vikings' 1978 Super Bowl win came from their kicker making a 36 yarder as time expired in regulation and then a 46 yarder as time expired in OT. Yep, this is the Bizarro world alright.
- 2 MVPs in losing efforts (Mel Blount and Ricky Watters)
- 4 defensive MVPs (Mel Blount, Fred Dean, LeRoy Irvin, Chris Jones)
- Mark Sanchez has as many rings as Ben Roethlisberger and Brett Favre and more than Aaron Rodgers, John Elway, and Peyton Manning combined. The same goes for Jimmy G, but that's less funny.
- Most wins by a QB: Joe Montana (1983-84, 1990-91, 1993-94), Tom Brady (2012-13, 2013-14, 2015-16)
- The state of California won 8 Super Bowls in 12 years from 1973-74 to 1985-86. This includes the Rams dynasty you never knew existed. Go look up Lawrence McCutcheon. Right now.
- The Lions won a Super Bowl. That is their most recent playoff win.
- The Bucs got a ring in year 4, the Jags got 2 by year 5. Wild performances from expansion teams.
- The Cowboys still haven't made a Super Bowl since the 90s.
- I think I prefer reality to losing 4 Super Bowls in 7 years as a zoomer Packers fan.

submitted by superbomb122 to nfl [link] [comments]

2023.05.30 20:55 check-itout Avila Energy

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Avila Energy: A Special Situation Investment with Potential for a 1450% Return Avila Energy: A Special Situation Investment with Potential for a 1450% Return
Penny Queen pick 05.29.2023
TL:DR Avila is a profitable oil and gas company in Canada with preferred, North American rights to the Ener-Twin consumer power plants. This clean technology is projected to generate gross sales of up to $25 million in 2024. Avila has entered into a business combination agreement to uplist to the Nasdaq through the $INAQ SPAC. I place the value of Avila around 30 cents US without the SPAC. Completion of the SPAC could put the share value at 85 cents US.
Because I see the company as being undervalued, and because Avila would also have to pay a penalty to break the agreement, I see this special situation as less risky at this price point. As a reminder, the PQTF peak gains on the prior three special situation stocks have been 146%, 889% and 1370%, but had major issues that if played incorrectly, could have cost people a lot of money. As always, prior performance is not indicative of future performance. I do have a position and intend to do more purchasing and will continue to re-evaluate. As always trading is risky, this is not advice and I am not a financial advisor.
I have done my best to represent the facts as I know them, if you find any errors, please let me know: [email protected] I have also created a subreddit and will have a channel available in the Penny Queen Discord. XO, PQ
Avila Energy (CA: VIK, OTC: PTRVF), an established Canadian oil and gas producer, is on the verge of a potentially transformative merger that could bring immense rewards for its shareholders. The company has agreed to combine with Special Purpose Acquisition Company (SPAC) Insight Acquisition (NYSE: INAQ).
The proposed transaction, as detailed at the link below, will allow for Avila to up-list onto the Nasdaq, enhance its ongoing carbon-neutral business strategy, and further strengthen the capitalization of the company with an expected combined entity market cap of over $190 Million.
This article will discuss the specifics of the deal, Avila's potential to diversify its revenue stream, and how it presents a rare special situation investment opportunity that could potentially lead to a total return of 1450%.
A Breakdown of the Deal
The Avila and Insight Acquisition merger is a complex one, but is potentially extremely lucrative for existing Avila shareholders. Under the agreement, Insight will continue from the State of Delaware to the Province of Alberta and acquire Avila in an amalgamation pursuant to a court-approved plan of arrangement under Alberta law.
According to the agreement, the fully diluted common shares of Avila, currently numbering 150,540,414, will be exchanged for 12,580,000 common shares of Insight Acquisition. This exchange ratio translates to about 11.97 shares of Avila for each share of Insight Acquisition.
Avila shareholders will own the following interest in the post-closing combined company:
100% Redemption (Proceeds retained from trust of US$ 1,250,000) 67.2% by Avila's shareholders;
50% Redemption (Proceeds retained from trust of US$15,781,215) 62.4% by Avila's shareholders;
0% Redemption (Proceeds retained from trust of US$29,062,430) 57.9% by Avila's shareholders.
At present, Avila shares trade at USD $0.0588 (5.88 cents), while Insight Acquisition shares trade at USD $10.23. However, given the merger and based on the exchange ratio, the post-merger price for each Avila share is projected to rise to around $0.855. This implies a staggering potential increase of up to 1450% for Avila shareholders, and forms the basis of the arbitrage opportunity that Avila presents as a special situation investment.
Avila Energy and Its Future
Looking beyond the merger, Avila Energy presents an interesting opportunity as a stand-alone company
Avila's strategic growth plan is divided into three phases:

Upstream, where it plans to invest towards becoming a low-cost, carbon-neutral energy producer.
Downstream, diversifying its revenue stream through the development of direct-to-consumer sales, aiming to boost demand, margins, and profitability.
Providing customers with the option to convert to Avila’s developing hydrogen-fueled solutions, expected to be commercially available in 2027, as part of its Corporate Vision.

3,802,800
2,700
638,500
$ 3,462,100
Proven Developed (DP)

6,974,600
4,900
1,167,300
$ 7,832,500
Total Proven (TP)

9,179,500
6,400
1,536,400
$ 9,019,100
Total Proven + Probable (2P)

11,609,600
8,100
1,943,100
$ 11,007,100
West Central Alberta (Ferrybank)
Category
Oil (bbl)
Nat Gas (MCF)
Liquids (bbl)
Total (BOE)
Before Tax Cash Flow
Proven Developed Producing (PDP)
31,900
3,337,200
39,200
627,300
$ 4,382,900
Proven Developed (DP)
39,400
5,919,800
90,500
1,116,500
$ 8,143,300
Total Proven (TP)
154,800
11,190,600
206,700
2,226,600
$ 14,853,300
Total Proven + Probable (2P)
416,100
15,578,700
283,100
3,295,700
$ 19,700,000
Minor - Property (2P)
14,200

14,200
$ 30,800
Company Total Proven + Probable(2P)
430,300
27,188,300
291,200
5,256,100
$ 30,734,100
Financials
Below are the financials of the company for the previous four quarters presented below in Canadian currency and in accordance with the International Financial Reporting Standards (“IFRS”).
Reporting Period
Q4– 2022
December 31
Q3– 2022
September 30
Q2– 2022
June 30
Q1– 2022
March 31
Total assets
68,871,879
59,823,671
10,603,851
4,613,850
Property and equipment
43,522,045
33,083,752
3,694,901
1,196,482
Exploration and evaluation assets
12,154,901
14,709,550
1,616,201
1,616,201
Working capital surplus/(deficit)
3,876,247
1,902,424
5,269,084
1,467,571
Equity
53,168,454
34,814,953
4,052,330
2,736,226
Gross revenues (1)
1,217,299
923,268
752,428
513,110
Net revenues
1,088,904
841,204
706,107
445,316
Gross REV ($/bbl)
38.84
42.87
58.86
38.16
NET REV ($/bbl)
34.49
39.06
53.51
33.07
OPEX ($/bbl)
26.76
10.47
14.81
19.04
NOI ($/bbl)
7.73
28.59
38.71
14.03
Total BOE for the Quarter
34,275
21,535
13,195
13,466
Heavy Crude Oil (bbl/d)
36.31
53.1
36.5
19.56
Conventional Natural Gas (mcf/d)
2,002.9
1,070.3
581.3
743.9
Natural Gas Liquids (bbl/d)
0.97
2.39
24.22
16.17
Operating Costs
1,022,614
225,495
195,384
256,452
Total other items
(1,219,994)
2,363,790
32,003

Total Expenses
1,198,132
562,745
188,788
130,385
Income (loss) before income taxes
(2,351,836)
2,416,753
353,938
58,479
Basic income (loss) per share
(0.05)
0.06
0.01
0.00
Diluted income (loss) per share
(0.03)
0.04
0.01
0.00
Clean Energy Future
Moreover, beyond being a traditional oil company, Avila is set to launch its “Vertically Integrated Energy Business, through its partnership with MTT. Supported by over a decade of R&D, including Avila's equity investment in Micro Turbine Technology (MTT), this venture promises to leverage innovative cleantech. Avila is aiming to deliver its first direct-to-consumer energy sales in North America in 2023. It also is targeting net-zero tier 3 (scope 3) CO2 emission energy for consumers by 2027.
The EnerTwin is a small, environmentally friendly power plant that simultaneously produces heat and electricity using the smallest gas turbine in the world. It runs on natural gas, LPG, biomethane, and hydrogen mixes, and thereby facilitates the energy transition to a low-carbon future in buildings.
Avila Energy says it has purchased a license for the manufacturing and marketing of the EnerTwin in the North American market. Beginning in 2026, Avila plans to sell 50,000 EnerTwin systems in North America as part of an integrated offering that also includes the provision of energy to their end customers.
To achieve this goal, the company has laid out the following timeline:
1) 2nd quarter of 2023 the preparation and filing of the application for the Canadian Standards Association (“CSA”) and Underwriter Laboratories (“UL”) Certifications for the EnerTwin in North America, based on past applications for CSA approval of KIWA certified equipment. The Company has estimated that this process is anticipated to 10-12 months in duration. 1st half of 2023 the commencement of pre-sales and servicing of the EnerTwin that are conditional on the Company attaining CSA and UL approval. In the event that the CSA and UL approval is not attained, the sales would be refunded to customers.
2) The development of the Company’s manufacturing of the EnerTwin, including the assembly or 3rd part manufactured subassemblies and the final testing prior to shipping to the customer. The ramp up of this manufacturing facility is to be completed in parallel to the CSA approval, with the first 100 installations being demonstration installations to be replace by CSA approved equipment within targeted markets in North America utilizing the EnerTwin as KIWA Certified equipment.
3) Initial contracts are anticipated to be executed 3 months after receiving CSA Certification.
The Company’s Vertically Integrated Energy Business is based on the following assumptions:
a) Power, Heat, Cooling and Daily Transportation in one invoice;
b) Reduce Consumers Carbon footprint by 40% and save the consumer money;
c) Mitigates concern for brownouts and protection from increasing transmission fees;
d) Fixed Contract plus only an annual inflation adjustment; and
e) Capacity to transition to Hydrogen in the future.
The Company’s long-term goal is to allocate a portion of its natural gas production to its newly acquired customers as a source of fuel with the cost of energy being billed to the customer at a fixed price plus an annual inflation rate adjustment. The Company’s strategy is to include the delivery of fuel and the maintenance, under long-term contracts that offers price stability. The Company plans to continue to still sell their current suite of customers in addition to the newly acquired customers from the Vertically Integrated Business.
The Company assumes early market development will qualify for government subsidies both in Canada and the United States as an efficient upgrade and or substitute for current heating and cooling. For example, the Company anticipates that the EnerTwin will qualify under the existing Canadian Greener Homes Program which will offer rebates on eligible home retrofits.
Conclusion: A Rare Opportunity
Special situation investments like Avila's proposed SPAC up listing do not come often. They offer a chance for significant potential returns but are also complex and require a deep understanding of the specifics of the deal. For Avila shareholders, the potential upside of 1450% presents a remarkable opportunity. However, potential investors should conduct their own research and due diligence or consult with a financial advisor before making any decisions. With Avila's strong business foundation, ambitious future plans, and the exciting prospect of itsup listing through the merger with Insight Acquisition, the future indeed looks bright.

submitted by check-itout to PennyStocksDD [link] [comments]

2023.05.30 20:54 check-itout Avila Energy

Upstream, where it plans to invest towards becoming a low-cost, carbon-neutral energy producer.
Downstream, diversifying its revenue stream through the development of direct-to-consumer sales, aiming to boost demand, margins, and profitability.
Providing customers with the option to convert to Avila’s developing hydrogen-fueled solutions, expected to be commercially available in 2027, as part of its Corporate Vision.

3,802,800
2,700
638,500
$ 3,462,100
Proven Developed (DP)

6,974,600
4,900
1,167,300
$ 7,832,500
Total Proven (TP)

9,179,500
6,400
1,536,400
$ 9,019,100
Total Proven + Probable (2P)

submitted by check-itout to pennystocks [link] [comments]

2023.05.30 20:52 check-itout Avila Energy

Upstream, where it plans to invest towards becoming a low-cost, carbon-neutral energy producer.
Downstream, diversifying its revenue stream through the development of direct-to-consumer sales, aiming to boost demand, margins, and profitability.
Providing customers with the option to convert to Avila’s developing hydrogen-fueled solutions, expected to be commercially available in 2027, as part of its Corporate Vision.

3,802,800
2,700
638,500
$ 3,462,100
Proven Developed (DP)

6,974,600
4,900
1,167,300
$ 7,832,500
Total Proven (TP)

9,179,500
6,400
1,536,400
$ 9,019,100
Total Proven + Probable (2P)

submitted by check-itout to Canadapennystocks [link] [comments]

2023.05.30 17:00 Bombadeir Texas Gubernatorial Order Four: The Industrialization and Urban Reform Package

From the desk of the Texas Governor Bombara A. Deirer Jr.
It has been found that the state of Texas should diversify it’s industries in order to stride closer to self-sufficiency within the Lone Star State as well as growth as a regional, national, and world economic power.
SECTION 1: THE HOUSTON INDUSTRIAL ZONE
1.1. Hereby an area will be designated within the area surrounding the city of Houston. This area will be designated primarily for industrial development.
1.2. The Houston Industrial Zone will have access to the Houston Ship Channel, Buffalo Bayou, and commercial railways. The purpose for accessing these three resources will be for the uses of transportation, as well as importing and exporting goods.
1.3. The Houston Industrial Zone will remove all taxation from industry within the area except for fossil fuels.
SECTION 2: DREDGING OF THE HOUSTON HARBOR
2.1. The Houston Shipping Channel and Buffalo Bayou will be dredged. $500,000,000 will be designated for this project.
2.2. If the harbor and Buffalo Bayou are not successfully updated within five years of this bills signing into law the project will be reassessed by the governor.
2.3. The governor will form a committee in order to manage the development and undergoing of the harbor development plan.
SECTION 3: THE DALLAS BUSINESS CENTER
3.1. A business zone will be established in the Dallas metropolitan area.
3.2. This area will cover 1.5 square miles within the Dallas area.
3.3. The Dallas Business Center will have a park in the center named Deirer Park.
3.4. The Dallas Business Center will remain a formal area until the year 2010. In the year 2010 the governor will reassess the situation of the state and area in order to determine wether or not to preserve the laws regarding the zone or eliminate the formalities regarding the formal area.
3.4.B. If this law expires and is renewed the process of renewal will add ten more years to this sections expiration.
3.5. The Dallas Business Center will cut construction taxation to 2.5% within the zone. The Dallas Business Center will remove all taxation from businesses founded by Texans within the zone for two and a half years after the businesses establishment.
3.6. The Dallas Business Center will cut taxation on business headquarters to 5% within the area.
SECTION 4: URBAN DEVELOPMENT INCENTIVES
4.1. Cities within the state of will receive increases in state funding if they implement and/or increase areas of high-density housing.
4.2. Cities within the state will receive increases in state funding if they implement and/or increase public transportation within their city. Public transportation in the form of metros, subways, trolleys, and streetcars will receive the city in question greater funding than buses.
4.3. Cities which implement strides to come closer to the 15-minute-city concept will receive increases in funding.
4.3.B. The 15-minute-city concept must be in regards to biking or walking, not by private motor vehicle.
4.4. Cities which seize the creation of more low-density housing, primarily in the form of suburbs will receive increases in funding.
4.5. A committee will be composed and managed by the governor in order to oversee the processes of this bill and the possible subsidies to cities. All increases in state investment and subsidies to Texas cities in regard to this or any law must hereby be approved by the governor.
4.6. This program, formally named The Texas Urban Reformation Plan, will expire in the year 2005 and may be renewed by the governor in that year.
4.6.B. If this law expires and is renewed the process of renewal will add ten more years to this sections expiration.

submitted by Bombadeir to PSUS_governors [link] [comments]

2023.05.30 16:06 lookslikesinbad My patch collection from when my family traveled across the US in the early 80’s

submitted by lookslikesinbad to pics [link] [comments]

2023.05.30 14:31 Marlowe-Fire Georgia Solar net metering and price

There isn’t a lot of Georgia (GA) specific content here, so I wanted to post for anyone looking (I know I was). We average about 80kwh per day and own two EVs. Our kid will start driving in the next 2 years and will likely get a 3rd EV. Our goals were to reduce reliance on the grid, and protect against some consistent outages in our area (some lasting hours, some lasting days when the storms hit) we were not as concerned about payback, but it will be nice eventually. Our Yearly power bill is about $3,600.
We had 51 Canadian Solar 400-watt panels installed east(31) and west (15) and south (6) on our home (total 51). 2 Powerwall+, and 1 Powerwall 2.
The panels cost $57,174 (~$2.80 per watt) The three batteries cost $38,225 ($12,742 each or $948.5 per KW storage).
After the 30% ITC, the panels will cost $40,021.80 and the batteries will cost $26,757.50
We also got a SPAN panel, and a second Tesla wall charger delivered and installed outside our garage for $6,000 (for that kid we mentioned before- adaptors may be necessary depending on the car).
The system is calculated to offset about 75% of our yearly consumption and according to the PVWatts Calculator, it will produce 23,991 KWh per year, saving us $2,878.92) from our bill.
We paid cash so I can't talk about financing options. Assuming zero increase in power prices (unlikely), the panels themselves will take 14 years to pay off. The entire system is 25 years.
I can slice the math up in many different ways, factoring into account the gas savings for our previous vehicles, and yada yada, and get the number down to 7 years for the panels, and 11 years for the whole system (believe me, I have several sets of spreadsheets factoring in price increases in power and what not.) We like to think of it as 2 really nice cars we just bought, we enjoy using them and they aren't necessarily going to make us money in the long run.
Our power company switched us to a commercial power plan since GA only allows a 10KW inverter for residential, and ours is 15.2KW. So the power rate increases to 12.9 cents per kw (from 12 cents) but we are credited back 3.8 cents per kw we send back to the grid. Effectively we will pay 9.2 cents per KW we import up to the limit of whatever we export in a year. and then pay 1 cent more per KW. This remains to be seen if it's advantageous or a wash. We have in written form from our power company that we can change it at any time and stop our export to the grid and return to residential rates if we would like.
Our installation took 4 days and we had about 10 guys here at some points, including 3 electricians. We wanted the powerwalls mounted in front of one of the vehicles on the floor, so a pressure treated 6x6 was installed into the garage floor to act as a bollard some 3 feet away to keep cars from hitting it. A subpanel was installed in the garage to handle the powerwalls and the new charger. The SPAN panel was swapped for our old panel in the basement.
We love the panels and have enjoyed knowing that our power comes from the sun. It is really neat what technology can do.
TLDR: Our total installation was $101,399 (Panels- $51,174, Batteries & Inverters ($38,225- Span panel and 2nd EV charger $6,000). We like it. So far, we have not used the grid since installation a week ago.
Link to some photos https://imgur.com/a/mXyi0vy
Hope this helps someone looking into all this in GA.

submitted by Marlowe-Fire to solar [link] [comments]

2023.05.30 14:09 patricia92243 Out of Date Stuff

I just joined Fly Lady and am finding her stuff out of date - things that were helpful 15 years ago. She wants me to buy a calendar and gives all the reasons - don't miss doctor's appointments. etc. Most people have calendars on their computer that will send reminders on about anything and you can set them up to repeat as often as needed.
Also, she gives this long list of stuff to pay your bills - put them in a folder, stamps, envelopes, list of addresses, on and on. Again, most people pay for everything on line. I can't remember the last time that I actually mailed a check to someone. She also wants you to balance your checkbook - I can look at my bank balance that immediately shows the amount online.
Maybe it gets better later on, but so far not so good.

submitted by patricia92243 to flylady [link] [comments]

2023.05.30 07:21 dobbyhi Rule

submitted by dobbyhi to 196 [link] [comments]

2023.05.30 06:34 MonstersOnTheHill I am late 30s, live outside NYC, and have a HHI of $400k+. I work full time, have two kids, and am a grad student

I'm a day late posting this -- I'm sorry to have gotten off schedule! I realize there have been a lot of high-earner diaries recently, but I hope my perspective is still of interest.

Section One: Assets and Debt
Retirement Balance: $460K (mine) and $250K (husband’s). We both max out our annual withholdings. I’ve been working longer than him, and my employer offers a more generous match, which contributed significantly to my balance.
Equity: $275K. Our home is currently worth about $450K. We live in a M-HCOL area (far) outside of NYC, and our home was a fixer upper when we bought it. Honestly, it’s still a fixer, and we are saving towards a major renovation.
Cars: Maybe $15-$20k total…we drive two paid off cars. One is 13 years old, and the other is 10 years old.
Other Cash and Investments: $150K
Credit card debt: None, paid every month
Student loan debt (for what degree): $80K towards the grad degree I’m pursuing now. Since we’re saving towards the home reno, I’m financing my degree rather than paying for it outright. I know this is counterintuitive given the interest rate environment. However, the home reno has been a priority for us since we bought this home.
Daughters’ 529s: $75K
Total Net Worth: $1.145M
Section Two: Income
Income Progression: I've been working in my field for 13 years and my starting salary was $40,000.
I work as a Director of Financial Planning & Analysis in a niche field. I won’t go into too many details because it’s a small world. My salary progression was as follows:
Year 1: $40,000 starting, right after recession. I had an amazing boss who mentored me and recognized my potential. After six months, I received a promotion and raise to $60,000.
Year 3: Promotion and raise to $90,000, for a role with more financial and analytical responsibility. Although I worked hard, I continued to benefit from having a boss who advocated for me. I consider this a major turning point.
Year 8: Raise to $120,000 for additional responsibilities after a coworker retired.
Year 10: Raise to $135,000
I’ve received an average of 2.5% COLA increases and now earn $145K. My boss has requested a $10,000 bonus for me this year, which I haven’t yet included because it’s still under review.
My husband earns $260,000 base salary as a VP of a large corporation (this is a very recent raise…he was at $200K previously). In addition, he can receive a performance-based bonus of 20-30%. We don’t include his bonuses in our financial planning because they are not guaranteed and because a portion is RSUs. When he receives a cash bonus, we put it towards our daughter’s college accounts and/or our home reno fund.
Education: I have a bachelors and a masters in a field unrelated to my career. My tuition was paid by scholarships/assistantships. In addition, my parents covered my living expenses during undergrad. During my first graduate degree, I worked 3 part-time jobs to cover my non-tuition expenses. I’m now enrolled in a grad program more directly related to my career. My employer encouraged me to do this program and generously allows me the time out of office. In addition, if I stay for a certain number of years, they will reimburse a portion of my tuition.
Main Job Monthly Take Home:
Monthly take home: $6,300 after taxes, retirement ($1,875) and medical/dental benefits ($110– self only)
Husband’s monthly take home: $12,560 after taxes, retirement ($1,875), and medical/dental ($400 for him and our two kids)
Section Three: Expenses
Mortgage: $2,485 for principal, interest, insurance, and taxes. We refinanced to a 15-year loan at 2.3% when rates were low
Daycare: $3,510 per month (full-time for a toddler and preschooler)
Savings contribution: $3,000-$5,000
Daughters’ 529 accounts: $2,000 ($1,000 each)
Debt payments: $700 towards my student loans. This will increase once I’m done with my degree
Donations: $3,000 annually
Transit $350-400 for husband’s commute (3x/week to NYC)
Electric: $60
Wifi/Cable/Landline: $120
Cellphone: $180
Subscriptions: $59 for Netflix, Hulu, Disney+, Duolingo, Apple Storage, and credit monitoring
Gym membership: $149 for Pure Barre
Husband’s physical therapy: $130 (portion not covered by insurance)
Car insurance: $3,200 annually. (This seems high, considering we have good records, don’t drive much, and both cars are paid off. I need to look into this)
Life Insurance: $3,100 annually
Day 1 (Saturday):
6:00 AM: Wake up. I’m doing a modular course for my graduate degree, and the class wraps up today. I study for the exam that happens this afternoon. A little after 7, I walk to a nearby coffee shop and buy a large Americano for $4.50 including tip. When I’m back at the hotel, I pack up my room and leave a $20 tip for housekeeping. On the way out, I drop my bags at the bell stand. The hotel cost is covered by tuition.
9:00: Meet with my study team to finalize a paper and presentation that’s due today. At noon, we break for lunch (also covered by tuition). I have a salad and lots of carbonated caffeine. After lunch, we have an hour-long final exam.
2:00: Final course wrap up. It’s been an intense week-long session. I learned a lot, but am so ready to head home. I walk back to the hotel to retrieve my bags. Along the way, I stop to buy an empanada ($8 including tip). Then I call an Uber to the airport ($55 including tip). While in the Uber, I talk to my husband and daughters, who are 1.5 and almost 4. Due to the time difference, it’s their bedtime and if I don’t catch them now, I’ll lose my chance. I promise them that I’ll be home when they wake up in the morning. A lot of my classmates went to dinner together before heading to the airport. On the one hand, I have FOMO because my classmates are awesome. But on the other hand, it was really important to me to talk to my family, and I know I couldn’t have done that easily in a bustling restaurant (I’ve tried, and it was a frustrating experience for everyone!).
6:00: Arrive at the airport. I check my bag ($35). Once I’m through security, I pick up some souvenirs. My hotel wasn’t in an area with good shopping options, and the class days were pretty packed anyway. I get locally made chocolate for my husband. The girls get a small stuffed animal each, and a book to share ($70 total). Then I treat myself to crab cakes and a French 75 to celebrate the end of the week ($60 including tip).
10:00: On the flight, I read until the cabin lights go out and then try to sleep. I used to be able to sleep better on red eyes, but I wake up every 15 minutes.
Day 1 Total: $252.50

Day 2 (Sunday):
6:00: Flight lands and I gather my bags and take the parking shuttle. Although I parked in an economy lot, the total was still $174. Ugh – this has been an expensive week.
7:45: Arrive home. The girls crawled into our bed and are snuggled up next to my husband. The toddler wakes up as I come into the room and the look on her face when she sees me is priceless. Our preschooler wakes up soon after. It’s so good to be reunited with my people! We all head downstairs and have breakfast (waffles and cereal, plus a huge pot of coffee). It’s cold and rainy today and we spend the morning watching TV together.
10:00: Our toddler falls asleep for her nap, and my husband encourages me to do the same. Our preschooler is happily entertaining herself with Legos and puzzles, so I doze for a couple hours. Around 1:00, we all have turkey sandwiches for lunch. Then, I take over kid duty so my husband can finally have some time to himself. He spends the afternoon woodworking in his basement workshop.
2:00: Our preschooler’s birthday is coming up. I buy digital invites from Etsy ($12) and send them to Staples to print ($16 with a promo). They are ready in about two hours and we pick them up. My preschooler asks for kinetic sand at Staples and I cave in and buy it for her ($11). I constantly complain about the amount of “stuff” in our house, but to be honest, I’m guilty of contributing to the clutter. When we get home, I spend the afternoon doing crafts with the girls.
5:15: We heat up some leftovers that my in-laws dropped off while I was gone. We do the girls’ bedtime routine a little early since everyone seems tired. Lights out by 8:00 for the girls. Then I catch up on work email and start making a list for the week. For the purposes of this money diary, my husband mentions that he spent $270 yesterday restocking groceries. Then I watch Succession and head to bed
Day 2 Total: $483

Day 3 (Monday):
5:08: My alarm goes off because I typically go to Pure Barre on Monday morning. I’m still jetlagged so I decide not to go today. I hadn’t actually signed up for a class because I had a feeling this would happen.
6:30: Everyone else is still asleep, so I go downstairs to make coffee and enjoy a few quiet moments to myself. When my husband and kids wake up, we all have breakfast (frozen waffles and berries for the kids. English muffins for the adults).
8:30: Drop the kids off at daycare and then get to work. I work primarily from home, so I just have to walk upstairs to my office nook. I spend the morning prepping for an important meeting tomorrow with senior leadership. I get a reminder on our phone that our toddler has a well-child visit today…usually I sync my calendars, but I totally neglected to log this on my work calendar, and it conflicts with a meeting with our chief of staff. CRAP. I debate canceling the doctor’s appointment, but decide to keep it. Our toddler is getting vaccines today and if I don’t keep the appointment, I’m not sure when I can reschedule. I apologize profusely to our COS and ask if we can reschedule. She says not to worry, and that she appreciates the extra time in her schedule…hopefully I didn’t make a bad judgment call.
1:15: I quickly eat a turkey sandwich for lunch and then pick up our toddler from daycare for her appointment. These well visits usually take 30 minutes and are covered by insurance. As luck would have it, we spend 90 minutes waiting because they are running behind. Luckily, I have snacks and activities in my purse to occupy her. To pass the time, I browse for favors and paper goods for our older daughter’s upcoming party. I end up buying paper goods, decor, and favors ($67 from Target) and iced sugar cookies ($240 from Etsy). As I type this, I realize how bananas it is to spend that much on decorated sugar cookies. Our incomes have increased pretty dramatically in the past few years, and although we haven’t increased our fixed expenses, we’ve definitely succumbed to lifestyle inflation for one-off things like this. It’s something I need to be aware of. I’m finally home around 3:30, just in time for my next call. My husband is WFH today and takes over kid duty during this call.
5:15: It’s time to pick up our older daughter from preschool, but my call is running long so my husband picks her up. For dinner, we make salads topped with roast chicken. The toddler loves salad, but our preschooler proclaims “I don’t like green leaves – I’m not a caterpillar!”. Well, okay then.
8:30: We do the girls’ bedtime routine, and then I continue prepping for tomorrow’s meeting. I wrap up around 1:00 am. While I’m working, husband preps two meals that just need to be reheated sometime later in the week. Good night!
Day 3 Total: $307

Day 4 (Tuesday):
7:30: Kids and I sleep in a bit this morning. My husband left home around 5:45 since he’s going into the office, so the three of us are on our own. For breakfast, the toddler has toast and berries. The preschooler has bran cereal and a frozen waffle. I eat their scraps, washed down with coffee.
9:15: I drop the kids off at daycare a little late this morning. Then I get working and practice the presentation I’m giving at 11:00
12:05: Call is over and I think it went as well as could be expected. I make myself a turkey sandwich for lunch. Then I go to the post office to mail a birth certificate request for our youngest daughter’s passport application. The cost for the birth certificate is $50. I also spend $15 at the post office to mail the envelope and buy stamps. Then it’s back to work.
5:10: Pick the girls up from school. My husband gets home around 6:45. Dinner tonight is a tofu and broccoli stir fry with rice. I don’t cook much, but I make this meal weekly and it’s everyone’s favorite. The secret is using soy sauce that is seasoned for seafood. It has a much deeper, richer flavor than standard soy sauce.
7:30: Bathtime and bed for the girls. I text with a mom from daycare whose kids are the same age as ours. We arrange a playdate for an upcoming weekend. She seems sweet and easygoing, and I’m hopeful that she and I will develop a friendship – making friends is hard when you’re an adult!
9:10: I debate doing schoolwork or “work work.” Schoolwork wins tonight…I spend about two hours prepping a case study.
Day 4 Total: $65

Day 5 (Wednesday):
5:30: Wake up and start working. I still have a lot of deliverables to catch up on. Husband leaves as usual to commute into the city.
7:00: I get an email and text message that daycare had to close today due to unforeseen circumstances. There was an issue with their plumbing that impacts the whole building. Oh no – I immediately feel a pit in my stomach. I really can’t afford this today, especially because I am out this Friday for another day of class. Although our preschooler is pretty independent, our toddler needs constant supervision. She’s always a moment away from jumping off a couch, climbing on a table, or otherwise causing herself bodily harm. My husband has multiple meetings with his division president today so he can’t realistically come home to help. Argh. I feed us all breakfast and prepare myself for a difficult day. I send my boss an email to let him know the situation, but promise to stay on top of my work after hours as needed. I also log a half day of PTO in the payroll system…I figure I can probably be about 50% productive today.
10:00: Our toddler falls asleep for a nap, so I frantically send out emails and run reports. Our preschooler watches shows on her tablet.
12:15: Toddler is up from her nap. Our poor preschooler has been on her tablet for too long and her eyes are glazed over. I decide to take the girls out for lunch to break up the day. We go to Jersey Mikes since it’s nearby and fast. The girls each have a kids meal and the toddler is delighted that it includes a kids cup. I have an Italian sub ($29). We eat outside and the preschooler hums and loudly proclaims "I love Jersey Mike's!"
1:30: We get back home and I jump on an internal call. Thankfully the girls are well behaved and don’t cause any disruptions, beyond waving hello at the start of the call.
3:00 I have another call and the girls are again on their best behavior. PTL. Maybe I’m just lucky, or maybe it’s that I bribed them with cookies.
4:45: I wrap up the workday a little early. I take the girls on a walk since the weather is nice. When we get back inside, they immediately melt down. The toddler wants to be held constantly, which is a challenge because she weighs 24 pounds. The preschooler is thrashing, spitting at me, and throwing toys. I resist a really strong urge to scream or cry or break something or hide in the bathroom – maybe all at once. Instead, I heat up one of the meals my husband made earlier this week. When our preschooler calms down, she asks if I still love her when she’s bad. She’s been asking this question a lot recently, and it makes me wonder if it’s just a phase, or if she needs more reassurance from us. Either way, it's heartbreaking to know she worries about this.
7:30: Husband had a late meeting, so he gets home later than normal. We do the girls bedtime and bathtime routines. We get another note from daycare saying that the plumbing issue is, unfortunately, still unresolved. We’ll get a tuition credit, but they will be closed another day. Husband and I talk through logistics. We agree that he’ll go into the city again tomorrow and I’ll handle the kids. His company is in the middle of a major reorg and it’s important for him to be there in person. We decide to ask his parents if they are available to help tomorrow. Between work, the kids, and my grad program, sometimes I feel like the only thing we talk about is logistics. It’s been at least 6 months since we’ve been on a date.
10:00: I catch up on work, and also prep for school this coming weekend. I go to bed a little after 1:00.
Day 5 Total: $29

Day 6 (Thursday):
5:45: Husband is up and out of the house at his normal time. I wake up and run some financial reports while I have the chance.
7:30: Kids are awake. While they eat breakfast I pack their activity bags and snacks since we’re going to my in-laws today. They are semi-retired and often help when we have childcare hiccups. They are truly a godsend. They live about an hour away and we arrive at their house a little after 10:00. On the way, I fill my car up with gas ($52).
12:30: The girls are having a blast with my in-laws. We take a break for lunch, which is chicken nuggets and hummus for the girls. I eat their scraps and also have some Greek yogurt.
4:15: I have a full afternoon of calls, but it goes smoothly thanks to the grandparents. We leave a few minutes after 5:00 and both girls fall asleep before we reach the first traffic light. This makes for a peaceful drive home. Traffic is heavy so we get home around 6:30. I open the mail, and find a surprise medical bill for $572. This is for the toddler’s trip to the ER…14 months ago! This is the first bill we are getting and honestly it had completely slipped my mind. She had a triple infection and ended up severely dehydrated. Seeing this bill dredges up all sorts of unpleasant memories. I’m grateful we have the means to pay this without issue, and I’m grateful she is healthy. I understand it's a privilege to pay a bill like this without thinking twice.
6:45: Husband arrives home. We reheat a pasta dish he made earlier this week and have a salad on the side. The girls are beat today, so we skip bathtime and let them go straight to bed. Thankfully, daycare can reopen tomorrow. I feel like a weight’s been lifted from my shoulders, especially since I have class tomorrow.
9:00: I have a call with my school study team to work on our group project. It lasts for about an hour.
10:30: Husband and I discuss buying a swing set for our backyard. He’s narrowed it down to two choices, and they’re both awesome: three swings, a rock wall, slide, and clubhouse area. I think they both look great, so I leave the final decision in his hands. The total with shipping and tax ends up being $1760. We considered buying a pre-assembled swing set to save time, but similar models cost nearly $6K. He’s handy, so he said he’d prefer to assemble it himself.
Day 6 Total: $2,384

Day 7 (Friday):
6:15: I have class today so I eat breakfast and get dressed early. I tend to wear a lot of athleisure when working from home. Today I put on a structured ponte dress and hastily apply Tarte makeup to give my skin some color. Every time I make the effort to get dressed, I'm reminded that I really do feel more confident when I look put together. Before I leave home, I set out outfits for the kids and put their backpacks by the front door; my husband will get them ready for daycare today. I get to school around 9:00 for my first class.
12:00: Break in my schedule for lunch. I eat a salad and some kind of chicken dish, while catching up with classmates (covered by tuition). For dessert, I have a huge bowl of berries. Lots more coffee to keep me awake and engaged during class. During breaks, I check the daycare app and the girls seem to be having a good day. My husband will pick them up around 5:00.
7:00: Classes are over for the day. I pay parking ($17) and am on my way. I get home at 8:30, in time to do bedtime with my girls. Husband made veggie quesadillas with black beans and guacamole, which I eat once the girls are asleep. I check my work email to make sure nothing is on fire. Then my husband and I watch an episode of “What We Do In the Shadows” and turn in for the night.
Day 7 Total: $17

WEEKLY TOTALS
Food + Drink: $371.50
Fun / Entertainment: $2,106
Home + Health: $572
Clothes + Beauty: $0
Transport: $333
Other: $155
Weekly Total: $3,537.5
Reflections: Some of this week’s expenditures were unusual: the swing set, my travel expenses, and that old ER bill are not part of our normal recurring expenses. However, the rest of this week's spending was pretty typical. I realize a lot of this diary revolved around sorting out childcare disruptions…honestly, that takes so much mental and logistical energy on a weekly basis. Writing this diary also made me realize how little time my husband and I spend together. Often we feel like we’re in survival mode, but we need to be more intentional about prioritizing our relationship.

submitted by MonstersOnTheHill to MoneyDiariesACTIVE [link] [comments]

2023.05.30 06:32 Einhain [US-WI] [H] Lots of Marvel Team-Up, a few Marvel Tales and Amazing Spider-Man [W] Paypal

Looking to sell entire lot in one sale, recently got a box of old comics and did my best to look up prices. All are in good to great shape, willing to take pictures with time stamps upon request.
Timestamp, from previous post
Amazing Spider-Man
204
205
Marvel Tales
99
101
106
Marvel Team-up
15
27
31
34
36
39
40
44
60
61
62
63
64
65
66
69
71
74
75
76
77
78
85
87
90
91
92
93
95
96
123
132
Asking $320 shipped for entire collection but willing to hear offers, my price is based off taking the lowest of recently sold on ebay and looking at websites that show recent sales. Most appear to be the "News Stand" or "30 cent" versions? Apologies if I missed anything in my post, I am not a collector and this is my first time here.
Again, timestamped pictures for any comics upon request and sorry if I missed any information!

submitted by Einhain to comicswap [link] [comments]

2023.05.30 02:46 spatialsilver88 [WTS] WORLD GOLD & SILVER: Japanese Tempo Era Koban + Japanese Meiji 2 Bu + $2.50 Indians + Tunisian 10 Francs + Rooster 10 Francs + Malta 5£ + Spanish Dublon + Finnish Markkaa + Spain 4 Escudos + Monaco Francs + Victoria Half Sov + Württemberg 20 Marks + Napoleon I 40F + Silver 10F Hercules + More!

☆ Overview: https://imgur.com/a/HPI7Vtf
☆ New Slabbed/Graded Gold: https://imgur.com/a/t1Q9ljC
☆ New World Silver: https://imgur.com/a/XYLytwN
☆ New Unslabbed World Gold: https://imgur.com/a/cmXsKMK
☆ Japanese Tempo Era (1837-1858) Koban - JNDA Certified w/ Photo Verification in Official Display Book: https://imgur.com/a/7E6VJ5P
☆ PCGS & NGC Slabbed and Graded World Gold & Silver: https://imgur.com/a/q2YR7uu
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Happy Memorial Day!!
Welcome to the show. Ive got lots of new historical gold and silver from all over the world. These posts take me forever to make so I hope you find something you like!!!
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:::::::::: ☆ Japanese Tempo Era (1837-1858) 1 Ryō Koban in full original JNDA (Japanese Numismatic Dealers Association) certification of authenticity presentation booklet with photo verification: https://imgur.com/a/DaOS7PA ::::::::::
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Japanese Tempo Era Koban - the tempo era coinage was not minted with the automated mass minting technology used in the west. Each one is individually made and each piece has distinct slightly unique details.
The JNDA is the gold standard (no pun intended) for Japanese numismatic certification
Displayed on the obverse are 4 stamps: a fan-shaped Kiri crest, a square panel with the value, a square panel with the signature of the Mint Official, and another fan-shaped Kiri crest
On the reverse there are 4 more stamps: a butter-fly-like signature, and the stamps of additional mint officials.
The Tempo Era variant available here is roughly 14k gold
••••••••••••••••••••
Coin Specs:
• Total Weight = 11.2 g
• Metal Purity = 0.568 (56.8%) Au & 0.432 (43.2%) Ag
• Total Au & Ag = 0.205 ozt AGW & 0.156 ozt ASW
• Dimensions = 31mm x 59mm (L x W)
• $1925
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:::::::::: Japanese Tokugawa Shogunate (1838-1869) Pre-Yen Gold & Silver Rectangular Coinage: https://imgur.com/a/7nYDJeI ::::::::::
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Japanese Tokugawa & Silver: https://imgur.com/a/7nYDJeI
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☆ (QTY: ~~-15-~~ 1) Kaei Isshugin (1853-1865) 1 Shu (Ag)
▪︎ 15mm x 9mm (L x W)
▪︎ 0.986 Fine Silver
▪︎ 1.87g Total Weight = (1.84g ASW)
▪︎ $20/ea
☆☆ 1 LEFT ☆☆
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■ ~~(QTY: 15)~~ ~~Japanese Tempo (1832-1858) 2 Shu~~ ~~(Electrum: Au & Ag)~~ SOLD
■ ~~13mm x 7.5mm (L x W)~~
■ ~~0.298 Au & 0.702 Ag - (Fine Au / Ag)~~
■ ~~1.64g Total Weight = (0.49g AGW & 1.15g ASW)~~
■ ~~$60/ea~~
☆☆ ALL 2 SHU SOLD OUT ☆☆
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■ ~~(QTY: ~~-15-~~)~~ ~~Japanese Ansei (1859-1868) 1 Bu (Ag)~~ SOLD
■ ~~0.873 Fine Silver~~
■ ~~23mm x 16.5mm (L x W)~~
■ ~~8.62g Total Weight = (7.53g ASW)~~
■ ~~$35/ea~~
☆☆ ALL 1 BU SOLD ☆☆
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■ ~~(QTY: ~~-15-~~)~~ ~~Japanese Meiji (1868-1869) 2 Bu - Electrum (Au/Ag Alloy)~~ SOLD
■ ~~19mm x 12.5mm (L x W)~~
■ ~~0.223 Au & 0.777 Ag - (Fine Au / Ag)~~
■ ~~3g Total Weight = (0.67g Au & 2.33g Ag)~~
■ ~~$95/ea~~
☆☆ ALL 2 BU SOLD ☆☆
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:::::::::: Graded & Slabbed World Gold & Silver: https://imgur.com/a/q2YR7uu ::::::::::
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☆ NGC AU55 1850-M CL Spanish Doblón 100 Reales - Isabel II - 0.900 Fine Gold - 0.2412 ozt AGW - 22mm Diameter - Casa de la Moneda - Madrid Mint
☆ $620 + Shipping
••••••••••
☆ PCGS SP68 1974 Monaco 5 Francs - Rainier III - Special Strike Pattern Coin - Piefort (Double Thickness - Hefty Chunk of Gold) - Extremely Rare: 250 Total Mintage - 0.920 Fine Gold - 1.1713 ozt AGW - PCGS SP68 1974 Monaco Gold 5 Francs - Piefort Pattern Coin - Extremely Rare - 250 Total Minted https://imgur.com/a/jmYKrv2
☆ $2450 + Shipping
••••••••••
☆ NGC MS64 1913-S Finland 20 Markkaa - 0.900 fine gold - 0.1867 AGW - NGC MS64 1913 Finland 20 Markkaa https://imgur.com/a/SL70U85
☆ $599 + Shipping
••••••••••
☆ NGC MS64 1952 Bolivia 7g 10 Bolivianos - 22mm Diameter - 0.900 fine gold - 0.2251 ozt AGW - NGC MS64 1952 Bolivia 7g Boliviano https://imgur.com/a/DfRrc7G
☆ $565 + Shipping
••••••••••
☆ PCGS AU53 1876-F Kingdom of Württemberg 20 Marks - Karl I - 0.900 fine gold - 0.2305 AGW - PCGS AU53 1876 Württemberg 20 Marks - https://imgur.com/a/6TNuKHP
☆ $579 + Shipping
••••••••••••
☆ NGC MS65 YR70 (1981) Taiwan 1000 Yuan - 0.900 fine gold - 0.4807 AGW - https://imgur.com/a/Rckl2PE
☆ $1075 + Shipping
••••••••••••
■ ~~NGC VF BYZANTINE GLOBULAR SOLIDUS - HERACLIUS + HER. CONSTANTINE~~
▪︎ ~~$895~~ SOLD
••••••••••••
■ ~~NGC MS63 1853 California Gold coin/token - Coat of Arms "Eureka" Wreath #5 - 11.8mm~~
▪︎ ~~$195~~ SOLD
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:::::::::: Unslabbed World Gold: https://imgur.com/a/e9z7PyM ::::::::::
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☆ (QTY: 4) USA Pre-33 $2.50 Indian Quarter Eagles - 0.900 Fine Gold - 0.1209 ozt AGW - 18mm Diameter - Only Incuse Coin in US History:
▪︎ 1908 - $409
▪︎ 1910 - $419
▪︎ 1913 - $419
▪︎ 1915 - $419
•••••••••••••••
☆ (QTY: 2 1) Tunisian 10 Francs - Ali III - LMU Standard 10 Unit Gold - 0.900 Fine Gold - 0.0933 ozt AGW - 19mm Diameter - Minted while Tunisia was a French Protectorate - Only LMU Gold Minted in Arabic & Only LMU Gold Minted for Circulation on African Continent:
▪︎ ~~1891 - $279~~ SOLD
▪︎ 1891 - $279
••••••••••
☆ (QTY: 2) French 10 Francs - Marianne Rooster (Coq) - LMU Standard 10 Unit Gold - 0.900 Fine Gold - 0.0933 ozt AGW - 19mm Diameter:
▪︎ 1901 - $259
▪︎ 1911 - $254
•••••••••••••••
☆ (QTY: 2) 1972 Malta 5M£ - First Gold Coin Minted for the Fully Sovereign Republic of Malta - Extremely Shiny Prooflike Mirror Finish - 0.916 Fine Gold - 0.0884 ozt AGW - 20mm Diameter - Scarce - Total Mintage of 15,000 - Obverse Shows Islands of Malta - Reverse Shows Original Malta Coat of Arms: CoA is supported on each side by a Lampuki fish - one holding a palm branch (victory) and one holding an olive branch (peace). Additionally, there are waves/ripples surrounding the base of the emblem:
▪︎ $225/ea
•••••••••••••••
■ ~~1795-M MF Spain 4 Escudos - Carlos IIII (IV) - Large diameter and heavy w/ satisfying hand feel - 0.875 Fine Gold - 0.3809 ozt AGW - 30mm Diameter - Real Casa de la Moneda - Madrid Mint~~
■ ~~$995 + Shipping~~ SOLD
••••••••••
■ 1811 French 40 Francs - Napoleon I [Ex-Jewelry] - 0.900 Fine Gold - 0.3734 ozt AGW - 26mm Diameter - First Version Stating "Empire Français" instead of "Republique Français" - LMU Au Standard 40 Francs
■ ~~$839 + Shipping~~ SOLD
••••••••••
☆ 1893 British Half Sovereign - Queen Victoria w/ Veil - 0.917 Fine Gold - 0.1177 ozt AGW - 19.3 mm Diameter - First Year & Low Mintage - https://imgur.com/a/Ab2KSnp
☆ $269 + Shipping
••••••••••
■ 1882-H Newfoundland 2 Dollars : Two Hundred Cents : One Hundred Pence - Young Queen Victoria - Only Newfoundland gold circulation coin - Mintage of 25,000 - 0.917 Fine Gold - 0.0981ozt AGW - https://imgur.com/a/UR1n2ns
■ ~~$420 + Shipping~~ SOLD
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:::::::::: World Silver: https://imgur.com/a/XYLytwN ::::::::::
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■ ~~[QTY: ~~-21-~~]~~
ALL 10F HERCULES ARE SOLD
(1964-1973) French 10 Francs - Hercules - Reissue of the same design and with the same coin specs of the famous LMU silver (1848-1849) French 2nd Republic 5 Francs - Hercules designed by Augustin Dupré. Very similar in size and silver content to a US pre-65 silver dollar (Peace, Morgan, etc). Excellent Condition, proof like mirror finish. Super shiny - 0.900 Fine Silver - 0.7234 ozt ASW - 37mm Diameter
■ ~~$30/ea~~ or ~~(5+) $29/ea~~
ALL 10F HERCULES ARE SOLD
•••••••••••••••••
■ ~~(QTY: 14)** George V & George VI 1 Schillings - 0.500 Fine Silver - 0.091 ozt ASW - 23.5mm Diameter~~
ALL SILVER SCHILLINGS ARE SOLD
▪︎ ~~(QTY: 7)** George V - 4th Type - English Crest - **$5/ea~~
▪︎ ~~(QTY: 3)** George VI English Crest - **$6/ea~~
▪︎ ~~(QTY: 4)** George VI- Scottish Crest - **$7/ea~~
~~☆☆☆ Buy All 14 - $75 ☆☆☆~~
ALL SILVER SCHILLINGS ARE SOLD
▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎
Chat or PM are both fine!
Feel free to ask any questions, request additional pics or vid, or anything else you want to know.
Shipping is via USPS for $4.50 for first class with tracking in a bubble mailer or $9.00 for a Priority Box. Additional services such as signature delivery, insurance, or alternative shipping carriers such as UPS and FedEx are available at cost as well. International shipping is available via UPS but prices for international shipping varies. Let me know if you need a price quote. Buyer is responsible for any import duty, taxes, or fees charged by the destination country.
Venmo, Zelle, PPFF, or Cash App are all acceptable payment methods
Thanks!!

submitted by spatialsilver88 to Pmsforsale [link] [comments]

2023.05.30 02:08 ReallyIsNotThatGuy The Debt Limit Deal is a Big Win for Biden and Democrats.

Whats in the Debt limit deal?

Suspend Debt Limit until January 2025
Cap government spending increases at 1%
1. With inflation increasing at a rate higher than 1%, this in action acts as a major cut to projected spending
IRS funding cut
1. Around $20 billion of the $80 billion total passed by Democrats in the Inflation Reduction Act in 2022.
Cuts for some government benefits
1. Rise age for SNAP (food stamp) work requirements from 50 to 54.
2. Exempts veterans, homeless and foster care children from work requirements
Project permitting reform to shorten oversight reviews to a maximum of 1 to 2 years
COVID funding claw back
1. $30 billion in unspent covid money to be reappropriated
End the Student Loan moratorium by August.

Variety of other fiscal changes including an increase in military spending, enaction of pipelines, and other policies.
This represents not only a massive bipartisan political win for President Biden and Speaker McCarthy, an offer for breathing room for the United States from a potential debt default, but a massive win from what was possible for Democrats.
Many may not remember, but a similar debt ceiling crisis occurred in 2011 under President Obama. Republicans, having taken a strong majority in the 2010 midterm elections, threatened default unless Obama committed to steep cuts to federal spending. This newfound power by the GOP led to an "epic" years long power struggle between Congress and the President.The resulting deal Obama reached, while prevented default, resulted in around 8% direct cuts to discretionary spending.
While the 2010 GOP did not have nearly the majority they do in 2022 (49 in 2010, 4 in 2022), the possibility of deep, lasting cuts were a very real possibility this time around. With a 1% cap on spending, this will represent a 1%-4% cut to spending, depending on inflation.
This deal, as mentioned before, represents a massive political win for both the President as well as specifically the Speaker, Kevin McCarthy, but the GOP as a whole.
From Day 1, President Biden has donned the role of "Great Unifier" who sought to create real, bipartisan change where past presidents, both Republican and Democratic, failed. With historic bipartisan bills investing in infrastructure, American supply chains and technology investment, and gun safety laws, Biden put his nose to grindstone in a way that hasn't been seen in nearly 20 years. It proves, at least for now, that the President and Congress can still make deals and get laws passed.
For Speaker McCarthy, this deal shows the strength of the Republican caucus, even with a weak majority. If the deal is able to ultimately succeed in the House, it proves that McCarthy is not pigeon-hold by his far-right, fiscally rabid flank of the party that may strike mutiny over the bill . While ascending to the speakership on a rocky path, many thought McCarthy had made to many concessions to his ultra-conservative wing, making it difficult to make deal with Democrats. Successful passage would assuage previously believed notions of McCarthy simply being a puppet for the right flank.

In rare fashion for the U.S. political system, this deal represents a win-win-win for all involved, while also being a hard pill to swallow for all involved.

submitted by ReallyIsNotThatGuy to Destiny [link] [comments]

2023.05.30 01:30 Saint_O_Well Avila Energy: A Special Situation Investment with Potential for a 1450% Return CA: VIK, US OTC: PTRVF

https://docs.google.com/document/d/1U7h3OsE_X4yJiSuyv_v9IBmN4CsLTZ-p6gcZLBxwPDw/edit?usp=sharing
Avila Energy: A Special Situation Investment with Potential for a 1450% Return
Penny Queen pick 05.29.2023
TL:DR Avila is a profitable oil and gas company in Canada with preferred, North American rights to the Ener-Twin consumer power plants. This clean technology is projected to generate gross sales of up to $25 million in 2024. Avila has entered into a business combination agreement to uplist to the Nasdaq through the $INAQ SPAC. I place the value of Avila around 30 cents US without the SPAC. Completion of the SPAC could put the share value at 85 cents US.
Because I see the company as being undervalued, and because Avila would also have to pay a penalty to break the agreement, I see this special situation as less risky at this price point. As a reminder, the PQTF peak gains on the prior three special situation stocks have been 146%, 889% and 1370%, but had major issues that if played incorrectly, could have cost people a lot of money. As always, prior performance is not indicative of future performance. I do have a position and intend to do more purchasing and will continue to re-evaluate. As always trading is risky, this is not advice and I am not a financial advisor.
I have done my best to represent the facts as I know them, if you find any errors, please let me know: [[email protected]](mailto:[email protected]) I have also created a subreddit and will have a channel available in the Penny Queen Discord. XO, PQ
Avila Energy (CA: VIK, OTC: PTRVF), an established Canadian oil and gas producer, is on the verge of a potentially transformative merger that could bring immense rewards for its shareholders. The company has agreed to combine with Special Purpose Acquisition Company (SPAC) Insight Acquisition (NYSE: INAQ).
The proposed transaction, as detailed at the link below, will allow for Avila to up-list onto the Nasdaq, enhance its ongoing carbon-neutral business strategy, and further strengthen the capitalization of the company with an expected combined entity market cap of over $190 Million.
This article will discuss the specifics of the deal, Avila's potential to diversify its revenue stream, and how it presents a rare special situation investment opportunity that could potentially lead to a total return of 1450%.
A Breakdown of the Deal
The Avila and Insight Acquisition merger is a complex one, but is potentially extremely lucrative for existing Avila shareholders. Under the agreement, Insight will continue from the State of Delaware to the Province of Alberta and acquire Avila in an amalgamation pursuant to a court-approved plan of arrangement under Alberta law.
According to the agreement, the fully diluted common shares of Avila, currently numbering 150,540,414, will be exchanged for 12,580,000 common shares of Insight Acquisition. This exchange ratio translates to about 11.97 shares of Avila for each share of Insight Acquisition.
Avila shareholders will own the following interest in the post-closing combined company:
100% Redemption (Proceeds retained from trust of US$ 1,250,000) 67.2% by Avila's shareholders;
50% Redemption (Proceeds retained from trust of US$15,781,215) 62.4% by Avila's shareholders;
0% Redemption (Proceeds retained from trust of US$29,062,430) 57.9% by Avila's shareholders.
At present, Avila shares trade at USD $0.0588 (5.88 cents), while Insight Acquisition shares trade at USD $10.23. However, given the merger and based on the exchange ratio, the post-merger price for each Avila share is projected to rise to around $0.855. This implies a staggering potential increase of up to 1450% for Avila shareholders, and forms the basis of the arbitrage opportunity that Avila presents as a special situation investment.
Avila Energy and Its Future
Looking beyond the merger, Avila Energy presents an interesting opportunity as a stand-alone company
Avila's strategic growth plan is divided into three phases:

Upstream, where it plans to invest towards becoming a low-cost, carbon-neutral energy producer.
Downstream, diversifying its revenue stream through the development of direct-to-consumer sales, aiming to boost demand, margins, and profitability.
Providing customers with the option to convert to Avila’s developing hydrogen-fueled solutions, expected to be commercially available in 2027, as part of its Corporate Vision.

2nd quarter of 2023 the preparation and filing of the application for the Canadian Standards Association (“CSA”) and Underwriter Laboratories (“UL”) Certifications for the EnerTwin in North America, based on past applications for CSA approval of KIWA certified equipment. The Company has estimated that this process is anticipated to 10-12 months in duration. 1st half of 2023 the commencement of pre-sales and servicing of the EnerTwin that are conditional on the Company attaining CSA and UL approval. In the event that the CSA and UL approval is not attained, the sales would be refunded to customers.
The development of the Company’s manufacturing of the EnerTwin, including the assembly or 3rd part manufactured subassemblies and the final testing prior to shipping to the customer. The ramp up of this manufacturing facility is to be completed in parallel to the CSA approval, with the first 100 installations being demonstration installations to be replace by CSA approved equipment within targeted markets in North America utilizing the EnerTwin as KIWA Certified equipment.
Initial contracts are anticipated to be executed 3 months after receiving CSA Certification.

The Company’s Vertically Integrated Energy Business is based on the following assumptions:
a) Power, Heat, Cooling and Daily Transportation in one invoice;
b) Reduce Consumers Carbon footprint by 40% and save the consumer money;
c) Mitigates concern for brownouts and protection from increasing transmission fees;
d) Fixed Contract plus only an annual inflation adjustment; and
e) Capacity to transition to Hydrogen in the future.
The Company’s long-term goal is to allocate a portion of its natural gas production to its newly acquired customers as a source of fuel with the cost of energy being billed to the customer at a fixed price plus an annual inflation rate adjustment. The Company’s strategy is to include the delivery of fuel and the maintenance, under long-term contracts that offers price stability. The Company plans to continue to still sell their current suite of customers in addition to the newly acquired customers from the Vertically Integrated Business.
The Company assumes early market development will qualify for government subsidies both in Canada and the United States as an efficient upgrade and or substitute for current heating and cooling. For example, the Company anticipates that the EnerTwin will qualify under the existing Canadian Greener Homes Program which will offer rebates on eligible home retrofits.
Conclusion: A Rare Opportunity
Special situation investments like Avila's proposed SPAC up listing do not come often. They offer a chance for significant potential returns but are also complex and require a deep understanding of the specifics of the deal. For Avila shareholders, the potential upside of 1450% presents a remarkable opportunity. However, potential investors should conduct their own research and due diligence or consult with a financial advisor before making any decisions. With Avila's strong business foundation, ambitious future plans, and the exciting prospect of its up listing through the merger with Insight Acquisition, the future indeed looks bright.

submitted by Saint_O_Well to Baystreetbets [link] [comments]

2023.05.30 00:41 Saint_O_Well Avila Energy: A Special Situation Investment with Potential for a 1450% Return OTC: PTRVF Canada:VIK

Upstream, where it plans to invest towards becoming a low-cost, carbon-neutral energy producer.
Downstream, diversifying its revenue stream through the development of direct-to-consumer sales, aiming to boost demand, margins, and profitability.
Providing customers with the option to convert to Avila’s developing hydrogen-fueled solutions, expected to be commercially available in 2027, as part of its Corporate Vision.

2nd quarter of 2023 the preparation and filing of the application for the Canadian Standards Association (“CSA”) and Underwriter Laboratories (“UL”) Certifications for the EnerTwin in North America, based on past applications for CSA approval of KIWA certified equipment. The Company has estimated that this process is anticipated to 10-12 months in duration. 1st half of 2023 the commencement of pre-sales and servicing of the EnerTwin that are conditional on the Company attaining CSA and UL approval. In the event that the CSA and UL approval is not attained, the sales would be refunded to customers.
The development of the Company’s manufacturing of the EnerTwin, including the assembly or 3rd part manufactured subassemblies and the final testing prior to shipping to the customer. The ramp up of this manufacturing facility is to be completed in parallel to the CSA approval, with the first 100 installations being demonstration installations to be replace by CSA approved equipment within targeted markets in North America utilizing the EnerTwin as KIWA Certified equipment.
Initial contracts are anticipated to be executed 3 months after receiving CSA Certification.

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2023.05.30 00:37 Saint_O_Well Avila Energy: A Special Situation Investment with Potential for a 1450% Return CA: VIK, OTC: PTRVF

Upstream, where it plans to invest towards becoming a low-cost, carbon-neutral energy producer.
Downstream, diversifying its revenue stream through the development of direct-to-consumer sales, aiming to boost demand, margins, and profitability.
Providing customers with the option to convert to Avila’s developing hydrogen-fueled solutions, expected to be commercially available in 2027, as part of its Corporate Vision.

The company has a diversified and growing portfolio of 100%-owned and operated wells, three oil and natural gas processing facilities, 150,000 acres of leased exploration rights, and over 300 kms of gathering and sales pipelines.
The P&L displays robust numbers with $3.08 M in net revenue, more than 50% margins, with the majority of the revenue attributable to clean burning natural gas.
Avila currently has a 2P valuation of CAD $30.7 Million and a 1P valuation of CAD $7.8 Million with a current market cap of CAD $8.9 Million. As of year-end 2022, the company also had CAD $6.5 Million of cash, CAD $2.067 Million of Debt, and a positive shareholder equity of CAD $53.17 Million. These third-party audited reserves, as presented below from Deloitte, are a vast value relative to the company’s current market cap.
Reserves Highlights
Avila Energy’s reserves on a Proven + Probable basis (2P) for the Company is 5,256,100 BOE valued at CAD$30.734 million based on a net present value discounted 10% before income taxes (NPV10% BT).
The CAD $30.734 million is an estimate of future cash flows and do not necessarily represent fair market value and is supported by a sustainable capital program of CAD $10.432 million for proved reserves and CAD $17.517 million for proved plus probable reserves.

https://preview.redd.it/k383bv2t2w2b1.jpg?width=1360&format=pjpg&auto=webp&s=361a1468a012b437e5290b52e7b053ba455f9a2e
https://preview.redd.it/ywwglhwu2w2b1.jpg?width=1360&format=pjpg&auto=webp&s=cc7b816e3dfa21a108732df3531a6ef0258734fa
Clean Energy Future
Moreover, beyond being a traditional oil company, Avila is set to launch its “Vertically Integrated Energy Business, through its partnership with MTT. Supported by over a decade of R&D, including Avila's equity investment in Micro Turbine Technology (MTT), this venture promises to leverage innovative cleantech. Avila is aiming to deliver its first direct-to-consumer energy sales in North America in 2023. It also is targeting net-zero tier 3 (scope 3) CO2 emission energy for consumers by 2027.
The EnerTwin is a small, environmentally friendly power plant that simultaneously produces heat and electricity using the smallest gas turbine in the world. It runs on natural gas, LPG, biomethane, and hydrogen mixes, and thereby facilitates the energy transition to a low-carbon future in buildings.
Avila Energy says it has purchased a license for the manufacturing and marketing of the EnerTwin in the North American market. Beginning in 2026, Avila plans to sell 50,000 EnerTwin systems in North America as part of an integrated offering that also includes the provision of energy to their end customers.
To achieve this goal, the company has laid out the following timeline:
1) 2nd quarter of 2023 the preparation and filing of the application for the Canadian Standards Association (“CSA”) and Underwriter Laboratories (“UL”) Certifications for the EnerTwin in North America, based on past applications for CSA approval of KIWA certified equipment. The Company has estimated that this process is anticipated to 10-12 months in duration. 1st half of 2023 the commencement of pre-sales and servicing of the EnerTwin that are conditional on the Company attaining CSA and UL approval. In the event that the CSA and UL approval is not attained, the sales would be refunded to customers.
2) The development of the Company’s manufacturing of the EnerTwin, including the assembly or 3rd part manufactured subassemblies and the final testing prior to shipping to the customer. The ramp up of this manufacturing facility is to be completed in parallel to the CSA approval, with the first 100 installations being demonstration installations to be replace by CSA approved equipment within targeted markets in North America utilizing the EnerTwin as KIWA Certified equipment.
3) Initial contracts are anticipated to be executed 3 months after receiving CSA Certification.
The Company’s Vertically Integrated Energy Business is based on the following assumptions:
a) Power, Heat, Cooling and Daily Transportation in one invoice;
b) Reduce Consumers Carbon footprint by 40% and save the consumer money;
c) Mitigates concern for brownouts and protection from increasing transmission fees;
d) Fixed Contract plus only an annual inflation adjustment; and
e) Capacity to transition to Hydrogen in the future.
The Company’s long-term goal is to allocate a portion of its natural gas production to its newly acquired customers as a source of fuel with the cost of energy being billed to the customer at a fixed price plus an annual inflation rate adjustment. The Company’s strategy is to include the delivery of fuel and the maintenance, under long-term contracts that offers price stability. The Company plans to continue to still sell their current suite of customers in addition to the newly acquired customers from the Vertically Integrated Business.
The Company assumes early market development will qualify for government subsidies both in Canada and the United States as an efficient upgrade and or substitute for current heating and cooling. For example, the Company anticipates that the EnerTwin will qualify under the existing Canadian Greener Homes Program which will offer rebates on eligible home retrofits.
Conclusion: A Rare Opportunity
Special situation investments like Avila's proposed SPAC up listing do not come often. They offer a chance for significant potential returns but are also complex and require a deep understanding of the specifics of the deal. For Avila shareholders, the potential upside of 1450% presents a remarkable opportunity. However, potential investors should conduct their own research and due diligence or consult with a financial advisor before making any decisions. With Avila's strong business foundation, ambitious future plans, and the exciting prospect of its up listing through the merger with Insight Acquisition, the future indeed looks bright.

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2023.05.29 22:35 adventurepaul E-commerce Industry News - Week of May 29th, 2023

Hi ecommerce - I'm Paul and I follow the e-commerce industry pretty closely for my Shopifreaks E-commerce Newsletter. Each week I post a summary recap of this week's top stories, which I cover in depth in the newsletter. .

STAT OF THE WEEK: 70% of e-commerce shoppers experienced shipping delays without any reason provided by the business for the delay. Faced with that experience, 90% of respondents said they are less likely to buy from a brand again after a poor online shopping experience, while 29% say they are increasingly willing to share a negative review online. – According to Koerber .
If some of Temu's deals appear too good to be true — it's because they are! An analysis of the company's supply chain costs by WIRED shows that Temu is losing an average of $30 per order as it throws money at trying to break into the American market. Most of Temu's subsidies are in the form of free international shipping, with even a small package costing the company around $14 to ship to the US (although it offers the shipping for free). When adding in the additional product discounts and cash coupons that Temu gives to customers, the average loss per order jumps to $30. .
The FTC has proposed new rules in the US called “click to cancel” that will impact e-commerce subscriptions — but in a good way for consumers! The rules would require any business selling subscriptions to add a simple cancel mechanism on the same website as the initial transaction, and include the same number of steps. In other words, a “one click subscription” would require a “one click cancelation.” This “click to cancel” rule is part of the FTC's proposed changes to its 1973 Negative Option Rule, which establishes how subscription sellers must communicate offers, ensure consent, manage billing, and simplify cancellation. .
BigCommerce announced new leadership including the appointment of Daniel Lentz as the company's CFO, Chuck Cassidy as its General Counsel, and Hubert Ban as its Chief Accounting Officer. .
Google is launching Product Studio, a new tool that allows Shopping merchants to quickly edit and customize their product images for free using generative AI. According to Google's data, product listings with more than one image typically see a 76% increase in impressions and a 32% increase in clicks compared to listings with a single image. With the new generative AI tool, text prompts can be used within Product Studio to quickly make visual adjustments to product images, such as generating new backgrounds for seasonal campaigns. The tool also allows sellers to instantly remove the existing background of an image if they need a blank backdrop, and increase the quality of small or low resolution images. .
Morning Consult published their annual report of Most Trusted Brands for 2023. The survey ranks roughly 1,500 brands in the US, most of which were dominated by big, well-established names including: #1 Band-Aid, #2 UPS, #3 Amazon, #4 Lysol, #5 Kleenex, #6 Cheerios, #7 Visa, #8 Dove, #9 The Weather Channel, and #10 FedEx .
Axios, in collaboration with market research firm Harris Poll, also ran a recent survey to determine the Most Reputable Brands in the US. The results were very different from Morning Consult's most trusted brands. Only one company overlapped in the top ten which included: #1 Patagonia, #2 Costco, #3 John Deere, #4 Trader Joe's, #5 Chick-fil-A, #6 Toyota, #7 Samsung, #8 Amazon, #9 USAA, and #10 Apple . Bottom of the list included: #90 Family Dollar, #91 Balenciaga, #92 BP, #93 Bitcoin, #94 TikTok, #95 Spirit Airlines, #96 Meta, #97 Twitter, #98 Fox, #99 FTX, and #100 The Trump Organization .
The latest data from PYMNTS shows that high earners are feeling the pinch of credit card debt and that their wages aren't keeping up with inflation. This is resulting in higher-end retailers who depend on wealthier households feeling the pinch as well. The data shows a number of correlations including that for bouseholds earning more than $100k annually, 42% were living paycheck-to-paycheck in April 2022. That number has crept up to over 49% this past year. .
Netflix must have forgotten what love is since 2017 when it made its famous tweet that “Love is sharing a password.” The company has finally launched its ill-awaited crackdown on password sharing in the US and the UK. The new rules state that subscribers are permitted to share their account with members of their own household, which Netflix defines as “you and the people you live with.” Netflix will begin using a variety of tools, such as IP checking, to spot when people are using another household’s account and prevent them from doing so, or give them the option of adding a household for $7.99/month. The company expects cancellations, but optimistically (or idiotically) predicts that those same people will come back again, which will overall lead to more people paying for subscriptions. .
Laws are changing in Australia to treat BNPL as a credit product. Finally! When was it NOT a form of credit? BNPL should have been recognized as a credit product the day the first BNPL company put up a coming soon landing page. Australia’s Assistant Treasurer and Minister for Financial Services Stephen Jones said that a litany of issues reported to the Australia Securities and Investments Commission have added up to “unacceptable levels of unaffordable lending occurring, largely concentrated amongst low-income borrowers.” He added that “BNPL looks like credit, it acts like credit, it carries the risks of credit.” Jones promised draft legislation in the coming months and the introduction of a final bill to the Australian Parliament by the end of the year, which will include the need for BNPL firms to hold Australian Credit Licenses and comply with Resonspible Lending Obligations. .
Bill Gates said that AI could kill Google Search and Amazon as we know them, and that the technology could radically alter user behaviors, resulting in people never needing to visit a search website again or use certain productivity or shopping tools. Gates remarked that the first company to develop it will have a leg up on competitors. .
A recent study conducted by Lloyds Banking Group revealed that a UK consumer falls victim to a purchasing scam that originates on Facebook or Instagram every seven minutes, resulting in a cost of over £500k per week. (That man is Michael Scott.) The banking group is now urging Meta and other tech giants to take responsibility and contribute to refunding innocent victims of scams. .
Analysts at Bernstein project that Reliance Industries is poised to outpace Amazon and Flipkart in the race for India's $150M e-commerce market, citing the conglomerate's robust retail network, mobile network, and home field advantage as its biggest assets. Reliance already operates the country's largest retail chain with over 18k stores and is leveraging its presence to form partnerships with Meta, Shein, and other companies as a strategic advantage against its competitors. .
Shopify is introducing its POS hardware to the Canadian market. Its mobile selling device, the POS Go, which is built to run Shopify’s POS software, was first rolled out to retailers in the US in 2022. .
Meta announced that ads in Instagram search results will now be available through the Instagram Marketing API, allowing third-party social-management platforms to offer a new Instagram ad-placement type in their apps. Meta began testing the placement in March and are now opening it up to all brands. .
Shein is exploring plans to build a factory in Mexico as one of its manufacturing hubs outside China, which could shorten shipping time and cut distribution costs for customers in Latin America and USA. Earlier this month I reported that Shein is creating a hub in Brazil. .
Amazon opened the first phase of its Metropolitan Park on Monday, its long-awaited second headquarters in Arlington, Virginia that can hold up to 8k employees. However not all Amazon employees are excited about the new office location (or any office location). At least 1,000 office workers are planning a walkout this Wednesday to take a stand against the company's return-to-office mandate. .
The Vietnamese government is putting pressure on TikTok to police its content and remove videos that fall short of the state’s standards, or risk a ban. Eight government departments are targeting toxic content deemed “to pose a threat to the country’s youth, culture and tradition” — including videos that simply criticize college degrees. .
eBay unveiled generative AI on its mobile app to help sellers list new items for sale, however the company forgot to inform sellers and didn't label the icon. When clicked, the icon replaced sellers' entire product descriptions with AI generated text, with no way to recover the original description. .
Boozt AB, a Sweden-based online fashion retailer, blocked 42,000 customers for returning too many items, calling their actions too costly for the company and the environment. The company said that these particular customers represented less than 2% of their 3M customers, but around 25% of the total return volume. .
Twitter withdrew from an agreement with the EU to cut down misinformation on its social network, which the company joined alongside other tech companies in 2018. Thierry Breton, the EU internal market commissioner, noted that fighting disinformation will be a legal obligation from August 25th, due to the EU's Digital Services Act, so the agreement would become irrelevant. .
Jeff Bezos is ripped now! The Amazon founder started working with personal trainer, Wes Okerson, who's also trained Tom Cruise and Gerard Butler, and now he's gotten super buff. This is about the least e-commerce specific news you'll ever see me share in this newsletter, but the Jeff Bezos before / after photo is kind of wild! .
Amazon will close its official Amazon app store in China on July 17, which launched in 2011 as an alternative to the Google Play Store. Amazon noted that its marketplaces and AWS services will remain operational in China. However while it may be leaving China, the Amazon App Store will soon be bringing more Android apps to the Windows ecosystem. The expanded partnership will allow Windows users to access a wider range of Android apps seamlessly. .
Google updated the badges some merchants display for their product listings in Google Search to say “Top Quality Store” instead of the original “Trusted Store” badge. Google said this is just a name and title change and won't have any impact on search rank or performance. .
Auctane, an e-commerce shipping specialist that operates brands such as Metapack, ShipStation, Packlink, ShipEngine, Stamps.com, and others, appointed Albert Ko as its new CEO, who previously served as CEO of EWS, which is best known for the Zelle payments network. Current CEO Nathan Jones will join the company's Board of Directors. .
eCampus.com, a website that sells textbooks and course materials, announced that it would keep offering textbook rentals, even though its retail partner Amazon was exiting the business. The company had been powering the program behind the scenes for Amazon since 2012, and plans to keep it going through its own website. .
Walmart is partnering with Pawp, a veterinary telehealth provider, to offer Walmart+ subscribers free access to virtual veterinarians for a year, starting this week. Currently Pawp charges $99 for an annual membership. .
Alibaba Group said that it aims to hire 15,000 people this year, dismissing rumors circulating that the company planned to cut 20% of its staff. They also mentioned that more than 3,000 of those hires would be newly-graduated students. .
Plus 7 seed rounds, IPOs, and acquisitions of interest including a $12M Series A round by Laced to grow its resale marketplace for authenticated sneakers.

I hope you find this news recap helpful. See you next week!
-PAUL

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2023.05.29 22:35 adventurepaul What's new in e-commerce? - Week of May 29th, 2023

Hi ShopifyeCommerce - I'm Paul and I follow the e-commerce industry closely for my Shopifreaks E-commerce Newsletter. Each week I post a summary recap of this week's top stories, which I cover in depth in the newsletter. .

STAT OF THE WEEK: 70% of e-commerce shoppers experienced shipping delays without any reason provided by the business for the delay. Faced with that experience, 90% of respondents said they are less likely to buy from a brand again after a poor online shopping experience, while 29% say they are increasingly willing to share a negative review online. – According to Koerber .
If some of Temu's deals appear too good to be true — it's because they are! An analysis of the company's supply chain costs by WIRED shows that Temu is losing an average of $30 per order as it throws money at trying to break into the American market. Most of Temu's subsidies are in the form of free international shipping, with even a small package costing the company around $14 to ship to the US (although it offers the shipping for free). When adding in the additional product discounts and cash coupons that Temu gives to customers, the average loss per order jumps to $30. .
The FTC has proposed new rules in the US called “click to cancel” that will impact e-commerce subscriptions — but in a good way for consumers! The rules would require any business selling subscriptions to add a simple cancel mechanism on the same website as the initial transaction, and include the same number of steps. In other words, a “one click subscription” would require a “one click cancelation.” This “click to cancel” rule is part of the FTC's proposed changes to its 1973 Negative Option Rule, which establishes how subscription sellers must communicate offers, ensure consent, manage billing, and simplify cancellation. .
BigCommerce announced new leadership including the appointment of Daniel Lentz as the company's CFO, Chuck Cassidy as its General Counsel, and Hubert Ban as its Chief Accounting Officer. .
Google is launching Product Studio, a new tool that allows Shopping merchants to quickly edit and customize their product images for free using generative AI. According to Google's data, product listings with more than one image typically see a 76% increase in impressions and a 32% increase in clicks compared to listings with a single image. With the new generative AI tool, text prompts can be used within Product Studio to quickly make visual adjustments to product images, such as generating new backgrounds for seasonal campaigns. The tool also allows sellers to instantly remove the existing background of an image if they need a blank backdrop, and increase the quality of small or low resolution images. .
Morning Consult published their annual report of Most Trusted Brands for 2023. The survey ranks roughly 1,500 brands in the US, most of which were dominated by big, well-established names including: #1 Band-Aid, #2 UPS, #3 Amazon, #4 Lysol, #5 Kleenex, #6 Cheerios, #7 Visa, #8 Dove, #9 The Weather Channel, and #10 FedEx .
Axios, in collaboration with market research firm Harris Poll, also ran a recent survey to determine the Most Reputable Brands in the US. The results were very different from Morning Consult's most trusted brands. Only one company overlapped in the top ten which included: #1 Patagonia, #2 Costco, #3 John Deere, #4 Trader Joe's, #5 Chick-fil-A, #6 Toyota, #7 Samsung, #8 Amazon, #9 USAA, and #10 Apple . Bottom of the list included: #90 Family Dollar, #91 Balenciaga, #92 BP, #93 Bitcoin, #94 TikTok, #95 Spirit Airlines, #96 Meta, #97 Twitter, #98 Fox, #99 FTX, and #100 The Trump Organization .
The latest data from PYMNTS shows that high earners are feeling the pinch of credit card debt and that their wages aren't keeping up with inflation. This is resulting in higher-end retailers who depend on wealthier households feeling the pinch as well. The data shows a number of correlations including that for bouseholds earning more than $100k annually, 42% were living paycheck-to-paycheck in April 2022. That number has crept up to over 49% this past year. .
Netflix must have forgotten what love is since 2017 when it made its famous tweet that “Love is sharing a password.” The company has finally launched its ill-awaited crackdown on password sharing in the US and the UK. The new rules state that subscribers are permitted to share their account with members of their own household, which Netflix defines as “you and the people you live with.” Netflix will begin using a variety of tools, such as IP checking, to spot when people are using another household’s account and prevent them from doing so, or give them the option of adding a household for $7.99/month. The company expects cancellations, but optimistically (or idiotically) predicts that those same people will come back again, which will overall lead to more people paying for subscriptions. .
Laws are changing in Australia to treat BNPL as a credit product. Finally! When was it NOT a form of credit? BNPL should have been recognized as a credit product the day the first BNPL company put up a coming soon landing page. Australia’s Assistant Treasurer and Minister for Financial Services Stephen Jones said that a litany of issues reported to the Australia Securities and Investments Commission have added up to “unacceptable levels of unaffordable lending occurring, largely concentrated amongst low-income borrowers.” He added that “BNPL looks like credit, it acts like credit, it carries the risks of credit.” Jones promised draft legislation in the coming months and the introduction of a final bill to the Australian Parliament by the end of the year, which will include the need for BNPL firms to hold Australian Credit Licenses and comply with Resonspible Lending Obligations. .
Bill Gates said that AI could kill Google Search and Amazon as we know them, and that the technology could radically alter user behaviors, resulting in people never needing to visit a search website again or use certain productivity or shopping tools. Gates remarked that the first company to develop it will have a leg up on competitors. .
A recent study conducted by Lloyds Banking Group revealed that a UK consumer falls victim to a purchasing scam that originates on Facebook or Instagram every seven minutes, resulting in a cost of over £500k per week. (That man is Michael Scott.) The banking group is now urging Meta and other tech giants to take responsibility and contribute to refunding innocent victims of scams. .
Analysts at Bernstein project that Reliance Industries is poised to outpace Amazon and Flipkart in the race for India's $150M e-commerce market, citing the conglomerate's robust retail network, mobile network, and home field advantage as its biggest assets. Reliance already operates the country's largest retail chain with over 18k stores and is leveraging its presence to form partnerships with Meta, Shein, and other companies as a strategic advantage against its competitors. .
Shopify is introducing its POS hardware to the Canadian market. Its mobile selling device, the POS Go, which is built to run Shopify’s POS software, was first rolled out to retailers in the US in 2022. .
Meta announced that ads in Instagram search results will now be available through the Instagram Marketing API, allowing third-party social-management platforms to offer a new Instagram ad-placement type in their apps. Meta began testing the placement in March and are now opening it up to all brands. .
Shein is exploring plans to build a factory in Mexico as one of its manufacturing hubs outside China, which could shorten shipping time and cut distribution costs for customers in Latin America and USA. Earlier this month I reported that Shein is creating a hub in Brazil. .
Amazon opened the first phase of its Metropolitan Park on Monday, its long-awaited second headquarters in Arlington, Virginia that can hold up to 8k employees. However not all Amazon employees are excited about the new office location (or any office location). At least 1,000 office workers are planning a walkout this Wednesday to take a stand against the company's return-to-office mandate. .
The Vietnamese government is putting pressure on TikTok to police its content and remove videos that fall short of the state’s standards, or risk a ban. Eight government departments are targeting toxic content deemed “to pose a threat to the country’s youth, culture and tradition” — including videos that simply criticize college degrees. .
eBay unveiled generative AI on its mobile app to help sellers list new items for sale, however the company forgot to inform sellers and didn't label the icon. When clicked, the icon replaced sellers' entire product descriptions with AI generated text, with no way to recover the original description. .
Boozt AB, a Sweden-based online fashion retailer, blocked 42,000 customers for returning too many items, calling their actions too costly for the company and the environment. The company said that these particular customers represented less than 2% of their 3M customers, but around 25% of the total return volume. .
Twitter withdrew from an agreement with the EU to cut down misinformation on its social network, which the company joined alongside other tech companies in 2018. Thierry Breton, the EU internal market commissioner, noted that fighting disinformation will be a legal obligation from August 25th, due to the EU's Digital Services Act, so the agreement would become irrelevant. .
Jeff Bezos is ripped now! The Amazon founder started working with personal trainer, Wes Okerson, who's also trained Tom Cruise and Gerard Butler, and now he's gotten super buff. This is about the least e-commerce specific news you'll ever see me share in this newsletter, but the Jeff Bezos before / after photo is kind of wild! .
Amazon will close its official Amazon app store in China on July 17, which launched in 2011 as an alternative to the Google Play Store. Amazon noted that its marketplaces and AWS services will remain operational in China. However while it may be leaving China, the Amazon App Store will soon be bringing more Android apps to the Windows ecosystem. The expanded partnership will allow Windows users to access a wider range of Android apps seamlessly. .
Google updated the badges some merchants display for their product listings in Google Search to say “Top Quality Store” instead of the original “Trusted Store” badge. Google said this is just a name and title change and won't have any impact on search rank or performance. .
Auctane, an e-commerce shipping specialist that operates brands such as Metapack, ShipStation, Packlink, ShipEngine, Stamps.com, and others, appointed Albert Ko as its new CEO, who previously served as CEO of EWS, which is best known for the Zelle payments network. Current CEO Nathan Jones will join the company's Board of Directors. .
eCampus.com, a website that sells textbooks and course materials, announced that it would keep offering textbook rentals, even though its retail partner Amazon was exiting the business. The company had been powering the program behind the scenes for Amazon since 2012, and plans to keep it going through its own website. .
Walmart is partnering with Pawp, a veterinary telehealth provider, to offer Walmart+ subscribers free access to virtual veterinarians for a year, starting this week. Currently Pawp charges $99 for an annual membership. .
Alibaba Group said that it aims to hire 15,000 people this year, dismissing rumors circulating that the company planned to cut 20% of its staff. They also mentioned that more than 3,000 of those hires would be newly-graduated students. .
Plus 7 seed rounds, IPOs, and acquisitions of interest including a $12M Series A round by Laced to grow its resale marketplace for authenticated sneakers.

For more details on each story, see the full edition: https://www.shopifreaks.com/how-much-money-does-temu-lose-per-orde
What else is new in e-commerce? Share stories of interesting in the comments below (including in your own business) or on shopifreaks.
See you next week.
-PAUL

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2023.05.29 15:00 stonescoldtakes NFL Update: 05/22/2023 - 05/28/2023 - OTAs are Back!!!

Layout:
— Individual Team News + Stone’s Cold Takes
— Miscellaneous/Other NFL News
— Restaurant of the Week - Washington D.C.
Arizona Cardinals:

Released WR DeAndre Hopkins and he listed out info about what he wants in his next team:
- Josh Allen, Jalen Hurts, Patrick Mahomes, Lamar Jackson, Justin Herbert
- He wants stable management and a great defense
Some folks in AZ were upset with Hopkins because he sat out the last couple of games
S Budda Baker says he will be at camp when its time for him to be there

After some decent news the last couple weeks for this organization there wasn’t really anything great from this week besides maybe the fact that if WR DeAndre Hopkins was a distraction to the team he now no longer is one. It will be interesting to see how things play out this year.
Atlanta Falcons:

FB Keith Smith was arrested on traffic charges
- Driving with a suspended license he claims was a misunderstanding
K Younghoe Koo didn’t ask for money from RB Bijan Robinson to give him his number but asked him to pick a charity at some point down the road to donate to
Will have joint practices with the Dolphins
Signed:
- WR JJ Arcega-Whiteside

It sounds like the situation with Keith Smith should get resolved rather quickly and was more of a misunderstanding than anything else. It will be fun for this young team to have joint practices with Miami and it will be a good way for their defense to get an initial test from an elite offense. I am sure the Dolphins won’t reveal all of their tricks but either way they will have to worry about guarding an elite offense with elite playmakers.
Baltimore Ravens:

QB Lamar Jackson expects a more pass-heavy offense under new OC Todd Monken
WR Michael Thomas separate his shoulder and could require labrum surgery
WR Rashod Bateman who just played just 6 games was on the field for OTAs on Monday
Waived Daelin Hayes
S Kyle Hamilton excited for expanded role with the team
Tony Jefferson is retiring and joining the team as a scout
Signed:
- DL Angelo Blackson
- QB Josh Johnson

It is crazy to think about how just about a month ago the news around the Ravens was all negative and that it seemed like the relationship with Lamar was fractured. Now here we are and Lamar seems about as happy as can be and is excited about the offense that is being installed under new OC Todd Monken. It will be exciting for him as well to have WR Rashod Bateman back who I still think can be a key playmaker on the team. It appears the Ravens could be set for big things even in a tough division.
Buffalo Bills:

No surprise, QB Josh Allen is hyper-focused and wants to win a Super Bowl
S Damar Hamlin is back out working out on the field
WR Stefon Diggs did not attend OTAs
EDGE Von Miller guarantees he will play by week 6 but is not rushing anything
Signed:
- S Dean Marlowe
- Joel Wilson

Great to see the that S Damar Hamlin was back out practicing. I know it has been some time since his collapse on the field but it still feels like yesterday that I was watching that game in complete shock at what I had witnessed and worry for him and his family. WR Stefon Diggs being absent at OTAs is not a big deal to me. QB Josh Allen has a lot of other guys he needs to get familiar and work in with anyways and a lot of star players don’t attend OTAs to either get rest/recovery or to do their own workouts with their private coaches. I imagine he and Kincaid will be deadly this year and who knows they may even have WR DeAndre Hopkins joining them as the Bills were one of two teams that inquired and had talks about a trade for him.
Carolina Panthers:

TE Hayden Hurst is recovering from sports hernia surgery
QB Bryce Young is taking most of the first team reps

Not too much news here other than what we saw and heard from OTAs about Bryce Young getting to take most of the 1st team reps. It appears that he looked good and his teammates were saying great things about him. It is tough to judge any quarterback though in the offseason because no matter what folks always say their young or new quarterback is looking amazing and things are progressing nicely. I will say though I have heard the most good things coming out from camps about him and Anthony Richardson of the Colts.
Chicago Bears:

QB Justin Fields excited about the growth WR Chase Claypool had over offseason
Got permission to begin demolition of Arlington Park racetrack

Good news for Chicago fans who are excited for their move. It seems that things are proceeding nicely with the process of moving to a new stadium. Also, great to hear that Chase Claypool may be able to make more of a difference this year. It would be hard to be less effective than what he was last year for this team. I still believe he can be a major impact player like many expected him to be when he entered the league. It will be key for him to become Fields’ go to receiver over some of the other talent they have on the team.
Cincinnati Bengals:

Want to sign WR Tee Higgins and LB Logan Wilson to long term extensions
Have made their initial push for QB Joe Burrow

This team has a lot to do in terms of contracts that they need to get figured out. The team view Tee Higgins in very high regard and so does Joe Burrow as they should. They also really want to get Logan Wilson signed. However, what will come out to being the biggest of the contracts they do this offseason is that of Joe Burrow. What will continue to make things tough here is the longer it takes for Justin Hebert to get his deal done because Burrow will likely be the last of the 4 quarterbacks to sign his because it is presumed he will get the most money and has an agent who like to wait til the last minute.
Cleveland Browns:

WR Elijah Moore feels good now that he feels wanted with his new team
EDGE Za’Darius Smith is excited to be facing the Ravens this year

All good news for Browns fans so far. The team is looking good and their appears to be a lot of good vibes coming out of practice. WR DeAndre Hopkins is even considering coming to Cleveland for the chance to play with his old QB. Also, WR Elijah Moore is looking crisp and at least for the moment it appears he is much happier. It will all depend on if he actually gets the ball thrown to him during the season though.
Dallas Cowboys:

HC Mike McCarthy is keeping offense in Dak’s language despite the changeup in play callers

Not too much news here which is good for this franchise because they are almost always the center of attention. The main thing I took away from this week was just that things seems to be going well with McCarthy and Dak working together on the offense but that there have been some growing pains at least initially getting used to new systems as expected.
Denver Broncos:

Waived Hunter Thedford with injury settlement
Released K Brandon McManus
K Brett Maher worked out for the team
QB Russell Wilson has lost a lot of weight this offseason
HC Sean Payton excited about what S Kareem Jackson can do to help team
RB Javonte Williams was limited in OTAs starting on Thursday
Signed:
- T Cam Fleming to a 1-year $4m deal
- DT Tyler Lancaster

It appeared to shock just about everyone when the news broke about K Brandon McManus getting released because he had become a fan favorite over the years in Denver. QB Russell Wilson has lost a lot of weight and it is evident just from seeing him this offseason. I didn’t think his weight was the issue hindering him last year but hopefully he can feel he is playing at a healthier weight. What I think most Denver fans were excited to see was RB Javonte Williams back on the practice field. He is going to end up being the real difference maker this year and whether this team competes with the top of the AFC or not will largely depend on him making the rest of the offense’s life easy or not.
Detroit Lions:

Former WR Calvin Johnson was at OTAs this week after having been away from the organization following a rough falling out post-retirement
RB David Montgomery said that losing with the Bears “sucked the fun out of the game”
WR Jameson Williams says that he didn’t know about the gambling policy; HC Dan Campbell feels he is miles ahead in terms of his talent already
Traded an undisclosed draft pick for K Riley Patterson
- Signed a 1-year $2.35m deal
RB David Montgomery and LB Malcolm Rodriguez left practice due to injury
Team has done their homework on free agent WR DeAndre Hopkins
NFL is investigation another Lions player about league gambling rules violations
Signed:
- OL Germain Ifedi
- Max Pircher through international player pathway program

A lot of news here. Let’s start with the bad news. It appears that they may be having more penalties come down on their team/players due to the league’s gambling policy as their is an ongoing investigation into a 5th player from the team. Also, David Montgomery and Malcolm Rodriguez left the field with injuries. It is still early though and they appear to be minor injuries so hopefully it won’t affect them in the long term. Now some good news. It sounds like WR Jameson Williams is progressing nicely and the team got a new kicker in Riley Patterson from the Jaguars who should help the improve there. Lastly and maybe the biggest news is that Calvin “Megatron” Johnson was at OTAs hanging out with coaches and players. Many are hoping those good vibes carry over into the season.
Green Bay Packers:

Signed:
- WR Jadakis Bonds
Cut TE Nick Guggemos
Will host the 2025 NFL Draft
HC Matt LaFleur is please with Jordan Love but still need to work on a lot of things

Exciting news that Green Bay will get the draft in 2025! I was thinking they would try and stick to more southern states but they clearly are willing to go North with Detroit and now Green Bay being the hosts of the next two. HC Matt LaFleur appears to be being honest with everything and trying to temper expectations a bit with Jordan Love taking over. This could be to help take pressure off of Love and also just be the flat out truth that with any young quarterback it is going to take some time.
Houston Texans:

Appears DeMeco Ryans may not be too sure about pursuing Jadeveon Clowney
HC DeMeco Ryans expects the o-line to be a strength for this team
Currently it is a QB competition between Davis Mills and CJ Stroud
- Other teams have been inquiring about QB Davis Mills

I am not surprised about DeMeco Ryans hesitancy about pursuing Jadeveon Clowney. First of all he just may not want to reveal his cards to others in the league about what he is thinking. The other thing is that he is one that likes for his defense to have an identity and a really good work ethic. I am not saying that Clowney can’t fit that mold but it just makes the selection process for what Ryans wants on defense that much more thorough. The other news that surprised some but something I mentioned a couple of weeks ago is that QB Davis Mills will compete with Stroud for the starting job and is viewed as a desirable QB to other teams around the league. I know his stats haven’t been the best but I am not sure any of the young quarterbacks would have done well with what the Texans organization has been the last couple years. At the end of the day CJ Stroud will end up being the team’s starter due to draft status and probably will be the more talented, better option.
Indianapolis Colts:

No timetable for Shaquille Leonard to resume practicing
QB Anthony Richardson was running a similar offense to what Jalen Hurts has run in Philly and was very impressive (splitting 1st team reps)
Signed:
- TE Kaden Smith

Overall things seems to be good for the organization. The main thing we are all waiting on is when Shaq Leonard will be able to get back out there and start practicing. It makes sense not to have him practicing now since things are optional anyways. The hype has been there for QB Anthony Richardson thus far and it appears he may be closer to starting right away than a lot of people thought.
Jacksonville Jaguars:

Traded K Riley Patterson to the Lions for an undisclosed draft pick
RB Travis Etienne looking forward to doing some fine-tuning this year
Signed Brandon McManus

Not too much news out of Jacksonville other than the change at the kicker position. Things got busy and they were able to trade K Riley Patterson to the Lions rather than release like the reports had said prior. Then they went out and got a proven veteran in K Brandon McManus who had just been released from the Broncos squad. This team is going to be interesting this year and will go as far QB Trevor Lawrence can take them. Does not hurt to have the veteran kicker for the big moments that could be coming for this organization.
Kansas City Chiefs:

HC Andy Reid is not a fan of the kickoff rule change hinting at the NFL getting closer to being flag football
- TE Travis Kelce is not happy about it either
QB Patrick Mahomes addressed contract saying he cares more about Super Bowls
LB Nick Bolton doesn’t think the defense gets enough credit
QB Patrick Mahomes says that it has been a smooth transition to new OC Matt Nagy
HC Andy Reid feels fullbacks have been phased out of the NFL and that the Chiefs will not be using one

HC Andy Reid who normally is pretty quiet and doesn’t get too involved was in front of the media a lot this week it felt like. First, he is not a fan of the new kickoff rule and it appears most coaches are not. Second, he talked about how the team will not be using a FB because they are being phased out of the NFL and he feels that the TEs they have on the team can play the role when needed. Overall it seems things are going well for the Chiefs and things could be a going a lot better here soon as they appear to be a top option for WR DeAndre Hopkins and one the few teams that had trade talks before he was released.
Las Vegas Raiders:

Former QB Tom Brady reached an agreement to be a minority owner of the team
QB Jimmy Garoppolo had to have foot surgery after signing with the team and there is not timetable for his return - believe he should return before the season
- Things could get interesting depending on how situation with Jimmy G works out
WR Davante Adams is not happy about the current QB situation with the Raiders
- Adams and team have been sued by the photographer he shoved last year
Will have joint practices with the 49ers

It appears there is never a dull week with the Raiders. The news this week about Jimmy seem to add context potentially to what Davante Adams’ comments were about recently. With Tom Brady recently joining the ownership group here it makes us all wonder if the injury is not cleared up is there a way for him to un-retire once again…only time will tell.
Los Angeles Chargers:

Signed:
- RB Austin Ekeler to a new deal for this final year that added on up to $2m in incentives

Big news here getting the deal done with Austin Ekeler even if it still only keeps him around for 1 year. Thankfully now he should be semi-happy for that one year before he can go out and chase a big contract if he wants to.
Los Angeles Rams:
Not much news here really. Sounds like Matthew Stafford has taken Stetson Bennett under his wing and started to work with him and help him learn more about the transition to the NFL compared to college.
Miami Dolphins:

WR DK Metcalf challenged WR Tyreek Hill
Will have joint practices with the Falcons
QB Tua Tagavailoa is wearing a camera on his helmet to help HC Mike McDaniel see what he sees on the field

I loved seeing Tua wearing the helmet cam. I had not thought about it before but it should be great for him to be able to show McDaniel exactly what he is/was seeing out on the field to add context and allow McDaniel to better coach him and understand what is going on. I think this should be something all quarterbacks do and especially the top ones because it could gives coaches that much more information and a better understanding of how to help young quarterbacks in the future.
Minnesota Vikings:

Signed:
- WR from the XFL Lucky Jackson
DC Brian Flores wants defense to develop an aggressive identity but not reckless
RB Dalvin Cook could be a June 1st cut

All signs appear to be pointing towards RB Dalvin Cook getting released. In other news it will be good for the defense to develop the aggressive mindset that Brian Flores wants and should bring in the attitude from Miami that wad established during his time there that was so effective and led to them winning games.
New England Patriots:

Got docked 2 days of OTA workouts for violating offseason rules and HC Bill Belichick was fined $50,000 dollars
Placed LB Raekwon McMillan on injured reserve due to partially torn ACL

The Patriots seems to always be up to something. It sounds like they were penalized the 2 days of OTAs and fined because of a meeting that Joe Judge held that lasted more than the permitted amount of time. Other tough news came when Raekwon McMillan got injured.
New Orleans Saints:

TE Foster Moreau is participating in OTAs
Being in New Orleans has given QB Derek Carr a breath of fresh air
Former HC Jon Gruden is working with the team and Derek Carr

What a story. TE Foster Moreau finds out he has cancer in a physical with the team a couple months and gets ahead of things and is now practicing with them at OTAs. Interesting story here about former HC Jon Gruden working with the team because during his time with the Raiders many said that he and Carr did not get along. This team has a big opportunity to take over the NFC South and is probably the bet setup to do it with the team they have.
New York Giants:

Rookie WR Jalin Hyatt wants to get to 190lbs as his playing weight
TE Darren Waller is happy to somewhere where his opinions are valued
- QB Daniel Jones is enjoying working with TE Darren Waller
HC Brian Daboll will not speak on contract situations despite currently Barkley situation

It seems that everything is going great except the Saquon Barkley situation. There isn’t much new insight into it either after HC Daboll refused to speak on anything contract related. In good news it seems like TE Darren Waller is really enjoying being with the team and working with QB Daniel Jones. This is a team to me that is going to play inspired football like they did last year no matter what is going on because their HC.
New York Jets:

QB Aaron Rodgers had minor calf strain
WR Allen Lazard went down during OTAs but supposedly was just a shot to the groin
Worked out P Matt Araiza
Chuck Clark was happy to be traded because felt disrespected by the Ravens
HC Robert Saleh is confident a deal will get done with Quinnen Williams
Will have joint practices with the Buccaneers

I imagine Jets fans held their breath when they saw Aaron Rodgers get injured as well as Allen Lazard. The good news is that those are not going to be issues in the long run. However, it reminded us all that QB Aaron Rodgers is not a young guy anymore and there is always the possibility that he like any other player in the NFL can get hurt. Hopefully the deal with Quinnen Williams can get done sooner rather than later. I am looking forward to the joint practices with the Bucs because they have a solid defense and it will be fun to hear how they fare in the early phases of implementing a lot of things from both Nathaniel Hackett and Aaron Rodgers.
Philadelphia Eagles:

OL D.J. Fluker worked out for the Eagles
DL Jordan Davis has made major strides this offseason will take on a larger role

Jordan Davis is going to be a key piece for the team this year in my opinion so it is great to hear he has made major strides. He is a force to be reckoned with when it comes to his sheer size and the more he can be weaponized the better.
Pittsburgh Steelers:

Signed:
- EDGE Markus Golden to 1-year deal
- LB Toby Ndukwe
Easy decision for QB Mitch Trubisky to sign extension
Started contract talks with OLB Alex Highsmith
Released Tae Crowder
Want to play a regular season game in Ireland
WR Allen Robinson has been very impressed so far by QB Kenny Pickett
QB Kenny Pickett had his car stolen with his playbook inside of it

Great move to get Markus Golden. He can be dangerous in this defense and is only one season removed from a double digit sack year. Also, good to see that Robinson and Pickett appear to be getting along. I am curious to see who shakes out to be the #1 receiver on this team but have a feeling it will end up being Pickens because of how good he was last year and the chemistry he and Pickett already have. A QB likes it when his receiver makes life easier and bails him out. Pickens has already done that on multiple occasions for him.
San Francisco 49ers:

QB Trey Lance just wants a chance to compete and never considered being traded
- Raved about this time working with QB Patrick Mahomes
QB Brock Purdy expected to start throwing next week, be able to go from gripping a towel to an actual football
QB Sam Darnold will push to start come week 1
Levi’s will officially get the Super Bowl in 2026
LB Dre Greenlaw has a thumb procedure and will miss most of the OTAs this offseason
Will have joint practices with the Raiders

It is official the 49ers will host the 2026 Super Bowl! After speculations and rumors it finally became official this past week. Also, there was a lot of good QB news this week with all 3 of the QBs on the roster. Sounds like Brock Purdy is healing properly and as expected, Trey Lance is looking really good in OTAs along with Sam Darnold. Once again this offseason no one is sure who will be starting for the team come week 1.
Seattle Seahawks:

WR DK Metcalf challenged WR Tyreek Hill
CB Tariq Woolen had arthroscopic knee surgery and it out til training camp
Signed:
- CB Artie Burns

Good news for Seahawks fan that Tariq Woolen will be back around training camp time after his procedure. Other than that there was not much news here. They got a solid rotational/depth player in Artie Burns though.
Tampa Bay Buccaneers:

Video of QB Baker Mayfield making an overthrow went viral on social media
Will have joint practices with the Jets
WR Chris Godwin feels like he has a lot of his explosion back
Team wants to see more consistency out of LB Devin White before offering him the contract he wants

Great to see that Tampa has joint practices with the Jets. They have a tough defense and it will be good for Baker and the offense to get some work against that defense early on. The Bucs have some great weapons on the offensive side of the ball to really compete with those top defenses and if they can all stay healthy this team could be a dark horse team to watch. Overall this should be a good all around team.
Tennessee Titans:

QB Will Levis is putting pressure on Tannehil and Willis in OTAs this far
S Kevin Byard is skipping OTAs

Interesting to see that S Kevin Byard was not at OTAs after earlier this offseason it was rumored he was asked to take a pay cut. Definitely a situation to watch. The main news that came from OTAs is that QB Will Levis appears to be looking good and some folks think he could be putting pressure on Tannehill early on and moving himself up the depth chart.
Washington Commanders:

HC Ron Rivera said that DE Chase Young understands them not picking up his 5th year option
New OC Eric Bieniemy has been getting on young QB Sam Howell holding him accountable
Trademark application was denied due to someone else already having pending applications for the name but the team is confident this issue will get resolved
It has been good for QB Sam Howell that QB Jacoby Brissett has been in the building
TE Amani Rodgers tore his ACL and is out indefinitely
Released Nathan Gerry
Jamin Davis limited in OTAs after knee procedure
Financing needs to be adjusted in order for the Josh Harris bid to be accepted
Signed:
- XFL LB Ferrod Gardner

Feels like a lot happened with the Commanders. First off, I think QB Sam Howell is in a great spot to learn and develop this year with mentors like Jacoby Brissett and then his OC Eric Bieniemy. They will hold him accountable like has already been happening and help bring out the best in him. Now it definitely is an organization surrounded by distractions. First off the trademark application for the team’s name was denied and they hope to get something figured out but could lead to another name change. Also, the team is still working through the Josh Harris bid and there need to be some adjustments in order for it to get accepted by the other NFL Owners and the league. These distractions even though they may not always be good for the team they probably do help a young quarterback because he is not the only thing to talk about at this point in the offseason.
Miscellaneous/Other NFL News:

Many believe that Thursday Night Flexing is to cater to Amazon but really could be the future of how deals get done
- Teams have to have 28 days notice and this is currently just a 1 year move
RB Jeremy Hill who has not played for the past 5 seasons officially retired siting injury issues leading to his retirement
NFL injury data shows that turf fields are significantly worse for players than grass fields
The Pat McAfee Show will be taking over Max Kellerman’s the time slot on ESPN
Commissioner Roger Goodell’s lobbying convinced teams to vote in favor of the new kickoff rules
Dr. Timoth Kremchek, the Cincinnati Reds' physician since 1996, says he sees an "epidemic" of youth injuries on artificial turf
RB Adrian Peterson will be hanging it up if he’s not back in the NFL this season
After Goodell’s retirement the NFL could change the structure of management for the NFL combining a traditional CEO with a Commissioner of Football
Possible a team will play 3 back to back games in Europe in the future
Devin McCourty will be joining NBC’s Sunday Night Football crew as an analyst
Officially approved emergency 3rd QB rule
Investigating further violations potentially of league gambling policy
DirecTV will still distribute Sunday Ticket to bars and restaurants
S Tony Jefferson announced his retirement
Announced growth of global market program

Restaurant of the Week: (Washington D.C. - TACOS 5 DE MAYO)
Don’t really have a great picture of this place but that may be a good thing. Often times I find that the places least advertised and that are holes in the wall is typically where you get the best Mexican food. This place is about a 10 minute drive from the stadium and probably closer to 15-20 minutes on game days depending on the time you go. Personally I recommend the Tacos Al Pastor. Those are basically a marinated pork taco that is slightly spicy with some sweet pineapple flavor in it. You cannot go wrong with Tacos Al Pastor and are by far my favorite. The other thing to keep an eye on is the Pupusas. While Pupusas are from El Salvador this place actually does a pretty dang good job of making them. For those that don’t know what Pupusas are they kind of resemble a stuffed pancake but are made of corn in most cases stuffed with either just cheese, cheese and beans, or cheese and pork. My order here would be 3 tacos al pastor and a cheese and bean pupusa. Enjoy!

submitted by stonescoldtakes to nfl [link] [comments]

2023.05.29 11:28 42Commander How badly underpriced is silver today?

Let's compare ancient history prices to today's prices. According to encyclopedia.com, 1 shekel of silver was about 1/3 Ozt.
Historical prices would vary greatly it seems. During hard times when the land didn't produce much, the spending power of silver went down because the quantity of available silver:food ratio was too high. In better times where harvests were good, 1 shekel (1/3 OzT) of silver could buy:
- 300 silas (liters) of barley
- 3 silas (liters) of fine oil
- 12 silas of regular oil
- 15 silas of lard
- 40 silas of bitumen
- 360 sheqels of wool
-180 sheqels of copper
-120 sheqels of wrought copper
Let's just look at copper.
If 1/3 OzT (1 shekel) of silver could buy 180 sheqels of copper, 1 OzT could buy 540 shekels (180 OzT) of copper. So back then the silver to copper ratio was 180.
In order to double check the info on this website, I asked chatgpt to make a best estimate of the silver to copper ratio. It came back with:
"Based on historical information and estimates, during biblical times, the silver-to-copper ratio is believed to have been approximately 1:200 to 1:300. This means that it would have taken around 200 to 300 units of copper to have the same value as one unit of silver. However, please note that this is a rough estimate and the actual ratio could have varied in different regions and time periods."
To be conservative, let's stick with the 180 ratio for now. Today silver is $23.30 per OzT. Copper is about 3.67 per pound. Divide that by 12 and we see that copper is currently about $0.306 per OzT. That is a Silver to copper ratio of 76.
If the ratio went back up to the value remembered by history, silver would be $0.306 x 180 =~ $55 per OzT. It should be kept in mind that back in those days there were no electronics and thus no real industrial use for silver. It was mainly used as money, utensils and jewelry (which is a form of wealth). We still use silver in all of those ways today. But we also use it for industrial purposes. As you add uses for something, you add demand. So we are being really conservative by comparing the new, higher demand environment to the pre-Biblical one.
The main reason silver is in the ditch right now is because it is between starring roles. ChatGPT tells us that:
"The largest industrial use of silver since the beginning of history is undoubtedly photography. Digital cameras and image sensors have largely replaced the need for silver-based films and prints. Nonetheless, the historical significance of silver in the development of photography remains profound."
Thus, digital photos killed the largest industrial use for silver. On the monetary front, America is the richest nation on the planet because we tricked everyone into accepting our fake paper currency as if it were real money. The Marks and Patsies in this scam were not limited to overseas people; American citizens bought into the scam hook line and sinker as well. Because people were brainwashed into thinking that fake paper currency was and is and will continue to be money, the people most able to buy silver in huge quantities, Americans, do not buy it. Most Americans wouldn't know silver from shiney steel. Not because they are stupid but simply because the majority were born into a world where the leaders did not acknowledge silver (or gold even) as money.
That said, everything is cyclic. Photography is now being replaced by photovoltaic power generation (solar panels) as the big industrial consumer of silver. Look around your neighborhood. How many people own any solar today in the USA? NOT MANY. If you think differently pull up Google Earth and look at rooftops. Solar is still too expensive for most to either be able to buy or to want to buy. So the residential solar market in the US is in its infancy.
As power bills skyrocket, that will change. Below is my most current model for electricity prices. This says that we are now approaching the peak of a 5 wave move up which will peak at about 18 cents per kWH on average in the USA. Following that we should see a significant pullback for a couple of years to build wave green 2. But after that I expect to see runaway electricity prices according to the model. THAT is when US adoption of PV solar will really begin to spike.
I could be off by 1 wave in this model. If this blows through 18 cents I will concede that the model will have to be recounted such that the current wave is not blue 5 of green 1 but instead the first wave of wave 3. The outcome will be the same, but the difference is that in the current model you have a bit more time with low electricity prices before they just go nuts. And why shouldn't they go nuts? The government is pushing BTUs from gas cars onto the electric grid. Same with natural gas stove and boilers. More BTUs on the same aging grid means higher rates, pure and simple. They are planning this. They want it to happen. Electricity will become a major control mechanism over the rabble in the future.
https://preview.redd.it/75fo1js13s2b1.png?width=633&format=png&auto=webp&s=269611b2902d88b4d694d7200f6b309e0ab128ba
Solar panels are going to be the new photography for silver; the big new industrial consumer. And whereas photos were an optional consumption item for the masses, electricity is not. The higher the power rates go, the more economic sense it makes to install pv solar.
AT THE SAME TIME, our fake money is dying. In response, the fed has driven rates up to the edge where it is now killing the regional banks yet CPIflation remains stubbornly high. Why?? Because while higher interest rates have a dampening effect on the economy, thus reducing demand by killing jobs, the government has to ramp up the printing presses in order to pay the vastly higher debt service that results from higher interest rates.
Thus in order to fight CPIflation it has to create a lot more inflation (expansion of the currency supply) which always leads to more CPIflation. THAT is why CPIflation is not going back down to 2%, ever again. The fed is now in a debt death spiral. There is no cure for this. They either lower rates and let massive CPIflation ravage the people OR raise the interest rates like they think they are Volcker and, oh shit, let massive CPIflation ravage the people. There is no escape from CPIflation folks. That's what it means when the fake money is dying.
PV solar is the means of production of an important, essential consumable. If you can afford it, go buy what you can on sale from Ebay right now because when the herd begins to decide that it has to hold its nose and buy pv solar in order to escape sky high power bills, they are going to take that federal money from the build back better solar equipment kickback and they are going to bid up the price of everything solar. This, also, is what I am telling my subscribers. Good luck to us all.

submitted by 42Commander to Wallstreetsilver [link] [comments]