State employees credit union brier creek

Best Credit Union?

2023.05.28 05:14 bluesbb123 Best Credit Union?

Hey, I'm looking to open a checking account at a credit union. Are there any favorites out there? Ethical, good to employees, benefits community, etc.
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2023.05.28 04:55 dontlookdonttell In this case I actually am selfish for wanting to give up

mostly just a vent, advice if you have any? not expecting any though, I just need to vent also not proofread, sorry
the following is very long, tldr I am incredibly lucky and well off and have every reason to be happy but I'm a shitty selfish person who wants easy instant gratification more than to improve and I can't get myself to care about anything enough to try hard enough
I have grown up in an upper middle class family, my parents are cheap because they grew up poorer then dirt but I have never felt insecure about money or that my needs and wants weren't met financially. my parents have some issues, products of traumatizing childhoods they treated with alcohol when they were younger and now they try and ignore, but they are certainly not awful. My dad can irrationally angry and yell, my mom will flip from being the most loving adoring person to seemingly despising me over the exact same thing, but I have in no way ever been physically abused and at worst maybe got a couple overly harsh words... well paragraphs (she does not know when to stop talking even when she's just digging a deeper hole for herself) from my mom. their worst attribute is probably just the gaslighting that fights never happened or went differently then I remembered but it's not that big of a deal and to be fair I have god awful recall so maybe they are right???
I have a wonderful boyfriend, he lives across the US from me right now because his dad is in the coast guard but we spent a very nice couple months together and are still going very strong. he is the most kind, loving, and supportive person in the world, I love him more than I knew I could love anything.
I don't have many friends because I either pushed them away directly or indirectly because I am a shut-in online college student and will forget to respond to text messages for weeks sometimes, but I have a couple who still try even despite how god awful of a friend I am.
I am not doing the greatest in college, but I am not doing terrible either, my state has the Running Start program where you can take partially school-funded college classes from the local community college to count as high school credits junior and senior year, I've been doing that the last 2 years. I am graduating from highschool next month and from college with a business associates next year in March hopefully. I also skipped kindergarten, meaning I am very far ahead in things.
I am in discussion with a local CPA accounting firm about a part-time junior accountant position which is an incredible opportunity in the accounting field as is regardless of how young and relatively inexperienced I am to be having these conversations. It's one of the few things I'm actually good at (at least so far) that I don't despise AND makes good money, I am very excited for it.
I am a trans guy, took me a while to realize it because I tried so hard to convince myself I just needed to "be a girl better" and that's why I hated myself, literally made my own "girl-bootcamp" where I tried to teach myself to be a girl in the most toxic feminity misogynistic way possible like a fool. I'm out of it now though! I am dressing the way I want, I go by a preferred name now, I was out in my highschool's theatre program and everyone was chill with it, I am not working right now so I'm not stuck getting dead named and misgendered all day anymore, and I just had my first appointment with the best gender clinic in my state and I'm supposed to start testosterone in a month. I should be happier then I've ever been.
but in the last month I almost killed myself 3 times, I had only gotten that close to an attempt once before. I've gained this sickening awareness, now that I've met all the imaginary conditions for happiness and success, that I am not getting any better, and it's because I don't want to.
As a kid I daydreamed so hard about the future, so sure the future would make everything better for me, that I became a maladaptive daydreamer and I am still no better about that to this day. eventually I stopped being able to imagine having a future at all, any event planned to happen past this afternoon doesn't feel real until it's occuring. I got out of toxic friendgroups, got in a relationship, got out of it, did therapy, got ADHD meds, did more therapy, got antidepressants, did virtual intensive outpatient therapy, did more therapy after that. I got good grades, I discovered myself, I got a job, I dropped the job to focus on school and myself, I fell in love, I make planner after planner after planner trying to organize my life, I try everything I can to find things I enjoy doing that make my happy and might give me motivation, I have did everything I was supposed to and I am the same trash I was at the start.
I take a shower maybe once a month I brush my teeth maybe once every couple months I eat average 2 meals a day, often just one I stay up late into the night, sleep long into the morning, or fall asleep a 6pm and wake up at 6am, I fall asleep all the time randomly and fatigue clings to me like plastic film I pace for hours and hours daydreaming, or ranting out loud to myself when I'm home alone I doomscroll until my eye sockets feel hollow I play stupid games I know are wasting my time when there are urgent things to be done I rot. I lay in my bed in rot. I sit on the couch and rot. I pace in the kitchen and rot. I sit on my phone and rot.
I can not control myself, I only care about self-fulfilling instant gratification and nothing else. eating is hard and I don't like it, won't do it. showering is hard and I don't feel like it, won't do it. brushing my teeth is hard and I am tired, won't do it. going outside is hard and I know secretly they can't help but judge my stupid girly voice the moment I open my stupid fucking mouth, won't do it studying is hard and I am too stupid for this shit anyways, won't do it
I am not getting better, I am only getting worse. I am at the highest dose of ADHD meds I can comfortably take before the side effects start to bug me, I take a pretty high dose of anti depressants. I know I am chemically better than before, it's not raw exhaustion and disinterest and misery, I get very happy and excited and energetic, but only if does something for me NOW. I get excited about dandelions and weird bugs and Hank green tiktoks and playing Stardew valley and city bus rides and zoos, but only in the moment and once it is gone I am hollow. if something is at all out of reach, no matter how good it is, how much ecstatic euphoric joy it brings me in the moment, I will not fight for it. no matter how miserable I am, if improving the situation is perceived as even slightly more uncomfortable for the tiniest moment, I won't do it. I sometimes have... bladder control issues, absolutely not fucking fun. I used to be so ashamed and proactive about it, and I still feel awful and disgusting and ashamed, but if it's the usual small amount where I can convince myself "it'll dry", I'll literally rot in my own filth for a week or so. it's disgusting, I am disgusting. I have been trying so hard to do better but it's never enough because I can't put my full heart in it, I just want my simple easy pleasure and then die. I am still trying to keep up with things, but I am continuing to worsen. the same cycle happened to me with both jobs I worked, I'd start out a star employee, learning really fast, showing up early, being very responsible, then I'd progressively show up a little later, just barely on time, a minute or two late, 5 minutes late, 10, 20, I call out "sick" an hour before my shift, I do this a couple times, I put in my two weeks/quit. I make up some excuse, usually some mysteriously serious and private family matters, and rot in bed because I fell behind on work or just couldn't find the energy to go and then I realized I'm a shitty employee and leave. I am at the "realizing I'm a shitty employee and leaving" stage in my life as a whole, but that's not allowed. Giving up is a terrible sad tragedy, but the only cure to sadness is to want to be happy. The only way to get better is to want to improve and push through the hard times and work hard and someday things will be easy and good. There's no cure to being the selfish asshole who cares more about not having to brush my teeth then living for my loved ones. I don't want to fight anymore, I am tired, the fighting isn't making me better, my ADHD and depression and arfid all keep from doing the things to fight my ADHD and depression and arfid enough as is, simply not having the will to fight is the final nail. I'm so tired, I want to take off from school and ignore the job opportunity and ignore any needs or responsibilities or meals and just play games and watch science videos and walk around town solely just to walk and look at things in stores I'll never buy and make weird clothes and pick flowers and impulse buy that Amtrak ticket to Monterey so I can visit the aquarium and sleep outside because I'm too young to book and stay in a hotel room alone and catch a bus going somewhere I don't know just to see where I end up and walk through the woods behind my house and try to find animal bones or a snake or something, I want to scream and cry and tear myself to shreds and laugh until I can't breath and spend every second and those awful unproductive dangerous stupid expensive waste-of-time wonderful perfect soul-filling tiny tiny little moments and then just drop dead. no more responsibility to anyone, certainly not myself, just ecstasy and permanent sleep.
it's not fair, I don't deserve that at all, it's selfish to want it when every person in my life has been through so much worse and are doing a thousand times better, I'll hurt people, life isn't that hard, ADHD and depression and common and executive dysfunction happens to people all the time and they do incredible amazing things and all I'm asked is to eat my dinner, take my 2 online college classes, and not fucking kill myself and I am failing at all 3 and I don't deserve to be getting away with this, even if I live but keep up tis behavior I will hurt people and ruin myself, but I just don't care enough to try because at night when I'm standing in front of the bathroom door, more than enough energy to brush my teeth for two minutes, knowing I should, knowing it's easy and fine and good for me and I need to I really need to, I still turn my head and walk into my room. I yell at the people trying to help me, I shove everyone away, and ruin my own life again and again and again and I'm never going to stop because I don't want to. I am shitty selfish person and I don't fucking care and I want to care but I just can't fucking care.
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2023.05.28 03:52 Then_Marionberry_259 MAR 31, 2023 PAAS.TO PAN AMERICAN SILVER COMPLETES ACQUISITION OF YAMANA GOLD

MAR 31, 2023 PAAS.TO PAN AMERICAN SILVER COMPLETES ACQUISITION OF YAMANA GOLD
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VANCOUVER, British Columbia, March 31, 2023 (GLOBE NEWSWIRE) -- Pan American Silver Corp. (NASDAQ: PAAS) (TSX: PAAS) (" Pan American " or the " Company ") and Yamana Gold Inc. (TSX: YRI; NYSE: AUY; LSE: AUY) (" Yamana ") are pleased to announce that Pan American has completed its previously announced acquisition of all of the issued and outstanding common shares of Yamana (" Yamana Shares "), following the sale by Yamana of its Canadian assets, including certain subsidiaries and partnerships which hold Yamana’s interests in the Canadian Malartic mine, to Agnico Eagle Mines Limited (" Agnico Eagle "), by way of a plan of arrangement (the " Arrangement ") under the Canada Business Corporations Act
"This acquisition is transformative for Pan American, significantly increasing the scale of our operations in Latin America where we have been operating for nearly three decades," said Michael Steinmann, President and Chief Executive Officer of Pan American. "We expect a material increase in our production of silver and gold, while we continue to provide a preferred way to invest in silver through large silver mineral reserves and growth opportunities, further enhanced by the increase in our market capitalization and trading liquidity. The acquisition is firmly aligned with our strategy of creating value by pursuing attractive growth opportunities, improving operating margins and extending mine life."
The Arrangement adds four producing mines to Pan American's portfolio: the Jacobina mining complex in Brazil, the El Peñón and Minera Florida mines in Chile, and the Cerro Moro mine in Argentina. It also adds the MARA development project in Argentina.
Pan American plans to provide a 2023 operating outlook inclusive of the Latin American assets acquired through the Arrangement, as well as a consolidated forecast for annual general and administrative, exploration and project development costs, in the mid-second quarter of 2023.
Transaction consideration
Pursuant to the Arrangement, Yamana shareholders received, in respect of each Yamana Share held, US$1.0406 in cash paid by Agnico Eagle, 0.0376 of a common share of Agnico Eagle (each whole share, an " Agnico Eagle Share ") and 0.1598 of a common share of Pan American (each whole share, a " Pan American Share "). In aggregate, Yamana shareholders received US$1,001,302,560 in cash, 36,177,931 Agnico Eagle Shares and 153,758,280 Pan American Shares pursuant to the Arrangement. Upon closing of the Arrangement, existing Pan American shareholders own approximately 58% of the Pan American Shares and former Yamana Shareholders own approximately 42% of the Pan American Shares.
Full details of the Arrangement and certain other matters are set out in the management information circular of Pan American dated December 20, 2022, which can be found under Pan American’s profile on SEDAR at www.sedar.com and EDGAR at www.sec.gov.
Delisting of Yamana Shares
The Yamana Shares are expected to be delisted from the Toronto Stock Exchange as of the closing of the market on April 3, 2023, and from the New York Stock Exchange as of the opening of the market on April 3, 2023. The depositary interests of Yamana were suspended from trading on the London Stock Exchange as of the opening of the market on March 27, 2023, and are expected to be formally delisted from the London Stock Exchange and cancelled from the UK Financial Conduct Authority’s Official List as of the opening of the market on April 3, 2023. Pan American is in the process of applying for Yamana to cease to be a reporting issuer under applicable Canadian securities laws and to otherwise terminate Yamana’s public reporting requirements.
Pan American's revolving credit facility and establishment of term credit facility
Pan American has further amended and restated its existing US$500 million sustainability-linked credit agreement (the " Existing Credit Facility "), which has been increased to US$750 million. In addition, a delayed-draw term loan facility in the amount of US$500 million has been established, which will be permanently cancelled and reduced to zero if it is not drawn within 60 days of today’s date. Pan American’s new amended and restated sustainability-linked credit facility (the " Amended Revolving Credit Facility ") is led by BMO Capital Markets, The Bank of Nova Scotia and Canadian Imperial Bank of Commerce as Joint Lead Arrangers and Joint Bookrunners, and Bank of Montreal, as administrative agent.
As at March, 31 2023, Pan American had drawn US$325 million under the Amended Revolving Credit Facility, which was used to repay the US$103 million drawn on the Existing Credit Facility, fund closing costs associated with the Arrangement and to repay, in full, and cancel Yamana's revolving credit facility, under which US$205 million had been drawn.
Board of Director Changes
In connection with the Arrangement, Pan American has identified three members of the former board of directors of Yamana who will be nominated for election to the board of directors of Pan American (the " Pan American Board ") at the upcoming annual general and special meeting of Pan American (the " Meeting "), being John Begeman, Alexander Davidson, and Kimberly Keating. In addition, Michael Carroll will not be standing for re-election at the Meeting, and Chantal Gosselin will be nominated for election at the Meeting. The Meeting is expected to occur on May 10, 2023.
About Pan American
Pan American is a leading producer of precious metals in the Americas, operating silver and gold mines in Canada, Mexico, Peru, Bolivia, Argentina, Chile and Brazil. We also own the Escobal mine in Guatemala that is currently not operating. We have been operating in the Americas for nearly three decades, earning an industry-leading reputation for sustainability performance, operational excellence and prudent financial management. We are headquartered in Vancouver, B.C. and our shares trade on NASDAQ and the Toronto Stock Exchange under the symbol "PAAS". Learn more at panamericansilver.com.
For more information about Pan American contact:
Siren Fisekci
VP, Investor Relations & Corporate Communications
Ph: 604-806-3191
Email: [[email protected]](mailto:[email protected])
Cautionary Note Regarding Forward-Looking Statements and Information
Certain of the statements and information in this news release constitute "forward-looking statements" within the meaning of the United States Private Securities Litigation Reform Act of 1995 and "forward-looking information" within the meaning of applicable Canadian provincial securities laws. All statements, other than statements of historical fact, are forward-looking statements or information. Forward-looking statements or information in this news release relate to, among other things, that we expect a material increase in our production of gold and silver; that there will be an increase in our market capitalization and trading liquidity; that the Yamana Shares are expected to be delisted from the Toronto Stock Exchange on April 3, 2023, the New York Stock Exchange on April 3, 2023 and the London Stock Exchange on April 3, 2023; that the Yamana Shares are expected to be cancelled from the Financial Conduct Authority’s Official List on April 3, 2023; statements regarding the timing of operating outlook and forecast updates; statements regarding interest rates that may apply under the Amended Revolving Credit Facility; statements relating to cancelling the delayed-draw term loan facility; statements regarding an investment grade credit rating; that the Meeting is expected to occur on May 10, 2023; and that John Begeman, Alexander Davidson, Kimberly Keating and Chantal Gosselin will be nominated for election at the Meeting.
These forward-looking statements and information reflect Pan American’s current views with respect to future events and are necessarily based upon a number of assumptions that, while considered reasonable by Pan American, are inherently subject to significant operational, business, economic and regulatory uncertainties and contingencies. Pan American cautions the reader that forward-looking statements and information involve known and unknown risks, uncertainties and other factors that may cause actual results and developments to differ materially from those expressed or implied by such forward-looking statements or information contained in this news release and Pan American has made assumptions and estimates based on or related to many of these factors. Among the key factors that could cause actual results to differ materially from those projected in the forward-looking information are the following: the duration and effect of local and world-wide inflationary pressures and the potential for economic recessions; the duration and effects of COVID-19, and any other pandemics on our operations and workforce, and the effects on global economies and society; fluctuations in silver, gold and base metal prices; fluctuations in prices for energy inputs, labour, materials, supplies and services (including transportation); fluctuations in currency markets (such as the PEN, MXN, ARS, BOB, GTQ and CAD versus the USD); operational risks and hazards inherent with the business of mining (including environmental accidents and hazards, industrial accidents, equipment breakdown, unusual or unexpected geological or structural formations, cave-ins, flooding and severe weather); risks relating to the credit worthiness or financial condition of suppliers, refiners and other parties with whom Pan American does business; inadequate insurance, or inability to obtain insurance, to cover these risks and hazards; employee relations; relationships with, and claims by, local communities and indigenous populations; our ability to obtain all necessary permits, licenses and regulatory approvals in a timely manner; changes in laws, regulations and government practices in the jurisdictions where we operate, including environmental, export and import laws and regulations; changes in national and local government, legislation, taxation, controls or regulations and political, legal or economic developments in Canada, the United States, Mexico, Peru, Argentina, Bolivia, Guatemala, Brazil, Chile or other countries where Pan American may carry on business, including risks relating to expropriation and risks relating to the constitutional court-mandated ILO 169 consultation process in Guatemala; diminishing quantities or grades of mineral reserves as properties are mined; increased competition in the mining industry for equipment and qualified personnel; the ability of Pan American and Yamana to successfully integrate operations and employees and realize synergies and cost savings, and to the extent anticipated; and those factors identified under the heading "Risk Factors" in Pan American’s management information circular dated December 20, 2022 and under the heading “Risks Related to Pan American's Business” in Pan American’s most recent form 40-F and annual information form dated February 22, 2023, filed with the United States Securities and Exchange Commission and Canadian provincial securities regulatory authorities, respectively.
Although Pan American has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results not to be as anticipated, estimated, described or intended. Investors are cautioned against undue reliance on forward-looking statements or information. Forward-looking statements and information are designed to help readers understand management's current views of our near and longer term prospects and may not be appropriate for other purposes. Pan American does not intend, nor does it assume any obligation to update or revise forward-looking statements or information, whether as a result of new information, changes in assumptions, future events or otherwise, except to the extent required by applicable law.

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2023.05.28 03:51 Then_Marionberry_259 MAY 02, 2023 PAAS.TO PAN AMERICAN SILVER REPORTS ADDITIONAL HIGH-GRADE DRILL RESULTS FROM THE LA COLORADA SKARN PROJECT

MAY 02, 2023 PAAS.TO PAN AMERICAN SILVER REPORTS ADDITIONAL HIGH-GRADE DRILL RESULTS FROM THE LA COLORADA SKARN PROJECT
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Pan American Silver Corp. (NYSE: PAAS) (TSX: PAAS) ("Pan American" or the "Company") today released results for 15 new infill and exploration drill holes totaling 14,122 metres at the Company's 100% owned La Colorada Skarn project in Zacatecas, Mexico.
This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20230502006278/en/
La Colorada Skarn drill holes May 2023 (Graphic: Business Wire)
The most recent drill results include eight holes that were drilled to follow up on high-grade drill results reported in news releases dated July 21, 2022 and November 1, 2022. Hole D-96-10-22 returned two broad zones of mineralisation over 64 metres at 391 g/t Ag, 10.8% Pb and 8.5% Zn, including 23.25 metres at 914 g/t Ag, 25.19% Pb and 16.73% Zn, and a separate lower skarn zone over 135 metres at 37 g/t Ag, 1.13% Pb and 6.42% Zn.
"These new drill hole results both extend the 902 zone and confirm that there are multiple zones of higher grade within the limestone and skarn, which align with surrounding porphyry intrusives and epithermal veins," said Christopher Emerson, Pan American's Vice President Exploration and Geology. "We have now drilled over 20 holes into this area, which remains open to the west and northwest. The 2023 infill and exploration program of 28,000 metres from surface and underground drilling stations is currently underway.”
Drill highlights include:
  • D-96-10-22: 64.30 m at 391 g/t Ag, 0.13% Cu, 10.83% Pb and 8.50% Zn, including 23.25 m at 914 g/t Ag, 0.19% Cu, 25.19% Pb and 16.73% Zn and 135.70 m at 37 g/t Ag, 0.14% Cu, 1.13% Pb and 6.42% Zn
  • D-96-12-23: 109.55 m at 233 g/t Ag, 0.10% Cu, 6.62% Pb and 7.32% Zn, including 44.20 m at 487 g/t Ag, 0.15% Cu, 15.46% Pb and 10.12% Zn
  • D-96-09-22: 72.60 m at 98 g/t Ag, 0.07% Cu, 0.85% Pb and 4.11% Zn and 26.95 m at 162 g/t Ag, 0.05% Cu, 3.51% Pb and 3.52% Zn and 21.20 m at 123 g/t Ag, 0.11% Cu, 3.53% Pb and 8.63% Zn
  • D-96-11-22: 17.05 m at 165 g/t Ag, 0.12% Cu, 4.37% Pb and 9.33% Zn
  • U-138-22: 71.35 m at 193 g/t Ag, 0.15% Cu, 10.82% Pb and 9.27% Zn, including 57.95 m at 231 g/t Ag, 0.17% Cu, 13.11% Pb and 11.01% Zn
  • U-112-22: 53.15 m at
141 g/t Ag, 0.06% Cu, 5.84% Pb and 5.46% Zn, including 15.15 m at 243 g/t Ag, 0.08% Cu, 11.31% Pb and 8.28% Zn
  • D-15-02-22: 16.85 m at
121 g/t Ag, 0.28% Cu, 4.60% Pb and 9.58% Zn
  • D-93-06-23: 21.45 m at 304 g/t Ag, 0.17% Cu, 4.75% Pb and 2.55% Zn and 143.3 m at 27 g/t Ag, 0.10% Cu, 2.93% Pb and 4.68% Zn and 74.20 m at 49 g/t Ag, 0.25% Cu, 1.50% Pb and 4.36% Zn
Eight of the 15 drill holes reported in this news release are recent infill and extension holes that add definition to the high-grade areas, which are now drilled at roughly 30 metre spacing. Five infill drill holes: U-112-22, U-138-22, D-96-09-22, D-96-10-22 and D-93-06-23, confirm internal continuity of grade, similar to previously reported drill holes. The high-grade footprint has been extended approximately 50 metres to the northwest from the limit of prior drilling with recent holes D-96-11-22 and D-96-12-23 returning significant silver and base metal grades. This area remains open to the northwest where the ongoing drill program will continue to test further extension of the zone over the next few months from surface and underground drilling stations.
Exploration drilling in the 903 East mineralised zone was reduced in the fourth quarter of 2022 with a new focus on the high-grade area to the west. Recent results from S-101-22, the most southeast drill hole in the 903 zone, intercepts skarn mineralisation approximately 250 metres south of previous drilling. Drill hole D-09-04-22 intercepted mineralisation to the southeast of the central zone.
Plan view of the La Colorada Skarn drill holes referenced in this news release
La Colorada Skarn - summary of drill results
The following table provides the drill results for the La Colorada Skarn deposit included in this news release.
Previous drill results not included in this table have been disclosed in Pan American’s news releases, which are available, together with cross sections, plans and images of the skarn mineralised core, on our website at: https://www.panamericansilver.com/operations/north-and-central-america/la-colorada-skarn/
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La Colorada Skarn - drill hole collar information
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General Notes with Respect to Technical Information
Grades are shown as contained metal before mill recoveries are applied. All samples provided in this news release were assayed by ALS Global, Mexico using acid digestion with ICP finish for silver, lead, zinc, and copper. Samples sent to ALS Global were prepared in Zacatecas and Hermosillo, Mexico laboratories and sent to Vancouver B.C. Laboratory for assay. Pan American implements a quality assurance and quality control ("QAQC") program including the submission of certified standards, blanks, and duplicate samples to the laboratories. The results of the QAQC samples submitted to ALS Global demonstrate acceptable accuracy and precision. The Qualified Persons have verified the data disclosed in this news release and they are of the opinion that the sample preparation, analytical, and security procedures followed for the samples are sufficient and reliable for the purpose of any future mineral resource and mineral reserve estimates. Pan American is not aware of any drilling, sampling, recovery or other factors that could materially affect the accuracy or reliability of the data reported herein. ALS Global is independent from Pan American.
See the Company's Annual Information Form dated February 22, 2023, available at www.sedar.com for further information concerning QAQC and data verification matters, and for a detailed description of known legal, political, environmental, and other risks that could materially affect the Company's business and the potential development of the Company's mineral reserves and mineral resources.
Technical information contained in this news release with respect to Pan American has been reviewed and approved by Christopher Emerson, FAusIMM, Vice President Business Development and Geology, and Martin Wafforn, P.Eng., Senior Vice President Technical Services and Process Optimization, each of whom is a Qualified Person for the purposes of National Instrument 43-101 - Standards of Disclosure for Mineral Projects (“NI 43-101”).
Pan American Silver Corp. is authorized by The Association of Professional Engineers and Geoscientists of the Province of British Columbia to engage in Reserved Practice under Permit to Practice number 1001470.
About Pan American Silver
Pan American is a leading producer of precious metals, operating silver and gold mines in Canada, Mexico, Peru, Bolivia, Argentina, Chile and Brazil. We also own the Escobal mine in Guatemala that is currently not operating, and hold interests in exploration and development projects throughout the Americas, including the MARA project in Argentina. We have been operating in the Americas for nearly three decades, earning an industry-leading reputation for sustainability performance, operational excellence and prudent financial management. We are headquartered in Vancouver, B.C. and our shares trade on New York Stock Exchange and the Toronto Stock Exchange under the symbol "PAAS". Learn more at panamericansilver.com
Cautionary Note Regarding Forward-Looking Statements and Information
Certain of the statements and information in this news release constitute "forward-looking statements" within the meaning of the United States Private Securities Litigation Reform Act of 1995 and "forward-looking information" within the meaning of applicable Canadian provincial securities laws. All statements, other than statements of historical fact, are forward-looking statements or information. Forward-looking statements or information in this news release relate to, among other things: the extent of, and success related to any future exploration or development programs, including with respect to the Skarn exploration program at La Colorada; and expectations regarding testing from surface and underground drilling stations.
These forward-looking statements and information reflect Pan American’s current views with respect to future events and are necessarily based upon a number of assumptions that, while considered reasonable by Pan American, are inherently subject to significant operational, business, economic and regulatory uncertainties and contingencies. These assumptions include: the world-wide economic and social impact of COVID-19 and the extent of any impacts related to the COVID-19 pandemic; tonnage of ore to be mined and processed; ore grades and recoveries; prices for silver, gold and base metals remaining as estimated; currency exchange rates remaining as estimated; capital, decommissioning and reclamation estimates; our mineral reserve and resource estimates and the assumptions upon which they are based; prices for energy inputs, labour, materials, supplies and services (including transportation); no labour-related disruptions at any of our operations; no unplanned delays or interruptions in scheduled production; all necessary permits, licenses and regulatory approvals for our operations are received in a timely manner; our ability to secure and maintain title and ownership to properties and the surface rights necessary for our operations; and our ability to comply with environmental, health and safety laws. The foregoing list of assumptions is not exhaustive.
Pan American cautions the reader that forward-looking statements and information involve known and unknown risks, uncertainties and other factors that may cause actual results and developments to differ materially from those expressed or implied by such forward-looking statements or information contained in this news release and Pan American has made assumptions and estimates based on or related to many of these factors. Such factors include, without limitation: the duration and effects of COVID-19, and any other pandemics on our operations and workforce, and the effects on global economies and society; fluctuations in silver, gold and base metal prices; fluctuations in prices for energy inputs, labour, materials, supplies and services (including transportation); fluctuations in currency markets (such as the PEN, MXN, ARS, BOB, GTQ, CAD, CLP, and BRL versus the USD); operational risks and hazards inherent with the business of mining (including environmental accidents and hazards, industrial accidents, equipment breakdown, unusual or unexpected geological or structural formations, cave-ins, flooding and severe weather); risks relating to the credit worthiness or financial condition of suppliers, refiners and other parties with whom Pan American does business; inadequate insurance, or inability to obtain insurance, to cover these risks and hazards; employee relations; relationships with, and claims by, local communities and indigenous populations; our ability to obtain all necessary permits, licenses and regulatory approvals in a timely manner; changes in laws, regulations and government practices in the jurisdictions where we operate, including environmental, export and import laws and regulations; changes in national and local government, legislation, taxation, controls or regulations and political, legal or economic developments in Canada, the United States, Mexico, Peru, Argentina, Bolivia, Guatemala, Chile, Brazil or other countries where Pan American may carry on business, including legal restrictions relating to mining, including in Chubut, Argentina, risks relating to expropriation, and risks relating to the constitutional court-mandated ILO 169 consultation process in Guatemala; diminishing quantities or grades of mineral reserves as properties are mined; increased competition in the mining industry for equipment and qualified personnel; and those factors identified under the caption "Risks Related to Pan American's Business" in Pan American's most recent form 40-F and Annual Information Form filed with the United States Securities and Exchange Commission and Canadian provincial securities regulatory authorities, respectively. Although Pan American has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results not to be as anticipated, estimated, described or intended. Investors are cautioned against undue reliance on forward-looking statements or information. Forward-looking statements and information are designed to help readers understand management's current views of our near and longer term prospects and may not be appropriate for other purposes. Pan American does not intend, nor does it assume any obligation to update or revise forward-looking statements or information, whether as a result of new information, changes in assumptions, future events or otherwise, except to the extent required by applicable law.

View source version on businesswire.com: https://www.businesswire.com/news/home/20230502006278/en/
Siren Fisekci
VP, Investor Relations & Corporate Communications
604-806-3191
[[email protected]](mailto:[email protected])
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2023.05.28 03:51 Then_Marionberry_259 MAY 10, 2023 PAAS.TO PAN AMERICAN SILVER REPORTS FIRST QUARTER 2023 RESULTS

MAY 10, 2023 PAAS.TO PAN AMERICAN SILVER REPORTS FIRST QUARTER 2023 RESULTS
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Pan American Silver Corp. (NYSE: PAAS) (TSX: PAAS) ("Pan American" or the "Company") today reported unaudited results for the quarter ended March 31, 2023 ("Q1 2023").
"Pan American reported solid results for the first quarter of 2023, with adjusted earnings of $0.10 per share," said Michael Steinmann, President and Chief Executive Officer. "Going forward, Pan American will be a significantly larger, more diversified company following our acquisition of Yamana. Our guidance for 2023 demonstrates the positive impact of the four new mines on production and costs, and we are excited by the growth opportunities the combined portfolio presents."
On March 31, 2023, Pan American completed its previously announced acquisition of all of the issued and outstanding common shares of Yamana Gold Inc. ("Yamana"), following the sale by Yamana of its Canadian assets to Agnico Eagle Mines Limited, by way of a plan of arrangement under the Canada Business Corporations Act (the "Yamana transaction"). The Yamana transaction added four producing mines to Pan American's portfolio: the Jacobina mining complex in Brazil, the El Peñon and Minera Florida mines in Chile, and the Cerro Moro mine in Argentina ("Acquired Operations"), plus several exploration and development projects in Chile, Brazil and Argentina. Operating and financial results reported in this news release, except for the financial position as at March 31, 2023, reflect only Pan American's original mines, specifically: La Colorada, Huaron, San Vicente, Manantial Espejo, Timmins, Shahuindo, La Arena and Dolores (the "Original Assets").
The following highlights for Q1 2023 include certain measures that are not generally accepted accounting principle ("non-GAAP") financial measures. Please refer to the section titled “Alternative Performance (Non-GAAP) Measures” at the end of this news release for further information on these measures.
Consolidated Q1 2023 Highlights:
  • Silver production of 3.9 million ounces and gold production of 122.7 thousand ounces. As previously disclosed, Manantial Espejo has been placed on care and maintenance following the completion of mining at the end of 2022; some residual production was recorded for Q1 2023.
  • Revenue was $390.3 million, inclusive of a negative $3.8 million price adjustment on open concentrate shipments.
  • Net earnings of $16.5 million ($0.08 basic earnings per share), including $18.9 million in transaction and integration costs related to the Yamana transaction and $12.7 million in severance provisions. Adjusted earnings were $21.2 million ($0.10 basic adjusted earnings per share).
  • Cash flow from operations of $51.3 million, net of $30.7 million in tax payments.
  • Silver Segment Cash Costs and All-in Sustaining Costs ("AISC") per silver ounce of $12.19 and $14.13, respectively. Excluding Net Realizable Value ("NRV") inventory adjustments, Silver Segment AISC was $14.11 per ounce.
  • Gold Segment Cash Costs and AISC per gold ounce of $1,120 and $1,196, respectively. Excluding NRV inventory adjustments, Gold Segment AISC was $1,361 per ounce.
  • Pan American's financial position as at March 31, 2023, incorporates the assets and liabilities Pan American assumed through the Yamana transaction. As at March 31, 2023, Pan American had working capital of $826.6 million, inclusive of cash and short-term investment balances of $513.1 million ($204.7 million related to the Minera Agua Rica Alumbrera ("MARA") project in Argentina), as well as $425 million available under its $750 million revolving sustainability-linked credit facility ("SL-Credit Facility"). Total debt of $1,187.0 million relates to the SL-Credit Facility, construction loans and leases, and two senior notes Pan American assumed through the Yamana transaction: $500 million with a coupon of 2.63% maturing in 2031 and $283 million with a coupon of 4.625% maturing in 2027. Moody's Investors Service and S&P Global have assigned Pan American with an investment grade credit rating.
  • A cash dividend of $0.10 per common share with respect to Q1 2023 was previously declared on March 24, 2023, payable on or about May 12, 2023, to holders of record of Pan American’s common shares as of the close of markets on April 14, 2023. The dividends are eligible dividends for Canadian income tax purposes. Pan American selected that record and payment date to harmonize its dividend with respect to Q1 2023 with Yamana’s normal course dividend timing for payment of a first quarter dividend. Subsequent dividends to be declared by Pan American are expected to follow Pan American's previous schedule of dividend payments.
  • Two ILO 169 consultation meetings for the Escobal mine were held in Q1 2023, as well as several working meetings between Guatemala's Ministry of Energy and Mines and Xinka Indigenous community representatives. At this time, no date has been set for a potential restart of operations at Escobal.
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(1) Per share amounts are based on basic weighted average common shares.
(2) Non-GAAP measure; please refer to the "Alternative Performance (non-GAAP) Measures" section of this news release for further information on these measures.
(3) Metal prices stated are inclusive of final settlement adjustments on concentrate sales.
Cash Costs, AISC, adjusted earnings, basic adjusted earnings per share, sustaining and non-sustaining capital, working capital, total debt and net cash are non-GAAP financial measures. Please refer to the "Alternative Performance (non-GAAP) Measures" section of this news release for further information on these measures.
This news release should be read in conjunction with Pan American's unaudited Condensed Interim Consolidated Financial Statements and our Management's Discussion and Analysis ("MD&A") for the three months ended March 31, 2023. This material is available on Pan American’s website at panamericansilver.com, on SEDAR at www.sedar.com and on EDGAR at www.sec.gov
CONFERENCE CALL AND WEBCAST
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The live webcast, presentation slides and the report for the first quarter of 2023 will be available at https://www.panamericansilver.com/invest/events-and-presentations/
2023 GUIDANCE
The following provides Management's 2023 guidance, as at May 10, 2023. Relative to the guidance provided on April 27, 2023, the only revision is an increase in estimated project capital expenditures to a range of $95 million to $105 million from the previous range of $75 million to $85 million. The revised range reflects an updated estimate to complete the preliminary economic assessment studies and to advance the exploration drilling for the La Colorada Skarn project.
2023 General and Administrative, Care and Maintenance, and Exploration Expense Forecast
2023 General and Administrative expenses are estimated to total between $75 to $80 million, and reflects increased personnel following the Yamana transaction, increased regulatory and insurance costs, and a normalized year of stock based compensation, which was lower than assumed in 2022 due to share price performance.
2023 Care and Maintenance costs are estimated to total $98 to $109 million, which reflects expenditures for Escobal, the MARA project, Manantial Espejo and Morococha.
2023 Exploration Expense is estimated to total $14 to $16 million for regional greenfield expenditures. The expenditures relating to near-mine exploration are included in the sustaining and project capital amounts provided in the Capital Expenditures Forecast table below.
The production and cost guidance provided in the following tables reflect the contribution from the Acquired Operations for the nine-month period from March 31, 2023 to December 31, 2023, and the full 12-month period of 2023 for Pan American's Original Assets. Please see our MD&A for the period ending March 31, 2023, for a more detailed breakdown of the guidance, including by individual mine and on a quarterly basis for 2023. These estimates are forward-looking statements and information that are subject to the cautionary note associated with forward-looking statements and information at the end of this news release.
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(1) 2023 production and AISC forecasts reflect ownership of the Acquired Operations for the nine-month period from March 31 to December 31, 2023 and the full 12 months for Pan American's Original Assets.
(2) Cash Costs and AISC are non-GAAP measures. Please refer to the "Alternative Performance (non-GAAP) Measures" section of this news release for further information on these measures. The AISC forecast assumes metal prices of $22.00/oz for silver, $1,850/oz for gold, $3,000/tonne ($1.36/lb) for zinc, $2,100/tonne ($0.95/lb) for lead, and $8,000/tonne ($3.63/lb) for copper; and average annual exchange rates relative to 1 USD of 18.75 for the Mexican peso ("MXN"), 3.75 for the Peruvian sol ("PEN"), 270.00 for the Argentine peso ("ARS"), 7.00 for the Bolivian boliviano ("BOB"), $1.33 for the Canadian dollar ("CAD"), $800.00 for the Chilean peso ("CLP") and $5.00 for the Brazilian real ("BRL").
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About Pan American
Pan American is a leading producer of precious metals in the Americas, operating silver and gold mines in Canada, Mexico, Peru, Bolivia, Argentina, Chile and Brazil. We also own the Escobal mine in Guatemala that is currently not operating, and we hold interests in exploration and development projects, including the Minera Agua Rica Alumbrera ("MARA") project in Argentina. We have been operating in the Americas for nearly three decades, earning an industry-leading reputation for sustainability performance, operational excellence and prudent financial management. We are headquartered in Vancouver, B.C. and our shares trade on New York Stock Exchange and the Toronto Stock Exchange under the symbol "PAAS". Learn more at https://www.panamericansilver.com/
Technical Information
Scientific and technical information contained in this news release have been reviewed and approved by Martin Wafforn, P.Eng., Senior Vice President Technical Services and Process Optimization, and Christopher Emerson, FAusIMM, Vice President Exploration and Geology, each of whom are Qualified Persons, as the term is defined in Canadian National Instrument 43-101 - Standards of Disclosure for Mineral Projects
For additional information about Pan American's material mineral properties, please refer to Pan American’s Annual Information Form dated February 22, 2023, filed at www.sedar.com , or the Company's most recent Form 40-F filed with the Securities and Exchange Commission.
Alternative Performance (Non-GAAP) Measures
In this news release, we refer to measures that are non-GAAP financial measures. These measures are widely used in the mining industry as a benchmark for performance, but do not have a standardized meaning as prescribed by IFRS as an indicator of performance, and may differ from methods used by other companies with similar descriptions. These non-GAAP financial measures include:
  • Cash Costs. Pan American's method of calculating cash costs may differ from the methods used by other entities and, accordingly, Pan American's Cash Costs may not be comparable to similarly titled measures used by other entities. Investors are cautioned that Cash Costs should not be construed as an alternative to production costs, depreciation and amortization, and royalties determined in accordance with IFRS as an indicator of performance.
  • Adjusted earnings and basic adjusted earnings per share. Pan American believes that these measures better reflect normalized earnings as they eliminate items that in management's judgment are subject to volatility as a result of factors, which are unrelated to operations in the period, and/or relate to items that will settle in future periods.
  • All-in Sustaining Costs per silver or gold ounce sold, net of by-product credits ("AISC"). Pan American has adopted AISC as a measure of its consolidated operating performance and its ability to generate cash from all operations collectively, and Pan American believes it is a more comprehensive measure of the cost of operating our consolidated business than traditional cash costs per payable ounce, as it includes the cost of replacing ounces through exploration, the cost of ongoing capital investments (sustaining capital), general and administrative expenses, as well as other items that affect Pan American's consolidated earnings and cash flow.
  • Total debt is calculated as the total current and non-current portions of: long-term debt, finance lease liabilities and loans payable. Total debt does not have any standardized meaning prescribed by GAAP and is therefore unlikely to be comparable to similar measures presented by other companies. Pan American and certain investors use this information to evaluate the financial debt leverage of Pan American.
  • Working capital is calculated as current assets less current liabilities. Working capital does not have any standardized meaning prescribed by GAAP and is therefore unlikely to be comparable to similar measures presented by other companies. Pan American and certain investors use this information to evaluate whether Pan American is able to meet its current obligations using its current assets.
  • Total available liquidity is calculated as the sum of Cash and cash equivalents, Short-term Investments, and the amount available on the Credit Facility. Total available liquidity does not have any standardized meaning prescribed by GAAP and is therefore unlikely to be comparable to similar measures presented by other companies. Pan American and certain investors use this information to evaluate the liquid assets available to Pan American.
Readers should refer to the "Alternative Performance (non-GAAP) Measures" section of Pan American’s Management's Discussion and Analysis for the period ended December 31, 2022, for a more detailed discussion of these and other non-GAAP measures and their calculation.
Cautionary Note Regarding Forward-Looking Statements and Information
Certain of the statements and information in this news release constitute "forward-looking statements" within the meaning of the United States Private Securities Litigation Reform Act of 1995 and "forward-looking information" within the meaning of applicable Canadian provincial securities laws. All statements, other than statements of historical fact, are forward-looking statements or information. Forward-looking statements or information in this news release relate to, among other things: future financial or operational performance, including our estimated production of silver, gold and other metals forecasted for 2023, our estimated Cash Costs and AISC, and our sustaining and project capital expenditures in 2023; whether Pan American is able to realize synergies or obtain the positive impact from the four new mines resulting from the Yamana transaction; estimated recoverable amounts of cash generating units; expectations with respect to mineral grades and the impact of any variations relative to actual grades experienced; the anticipated dividend payment date of May 12, 2023; future anticipated prices for gold, silver and other metals and assumed foreign exchange rates; and Pan American’s plans and expectations for its properties and operations.
These forward-looking statements and information reflect Pan American’s current views with respect to future events and are necessarily based upon a number of assumptions that, while considered reasonable by Pan American, are inherently subject to significant operational, business, economic and regulatory uncertainties and contingencies. These assumptions include: the impact of inflation and disruptions to the global, regional and local supply chains; the world-wide economic and social impact of COVID-19 and the duration and extent of the COVID-19 pandemic and related restrictions;; tonnage of ore to be mined and processed; future anticipated prices for gold, silver and other metals and assumed foreign exchange rates; the timing and impact of planned capital expenditure projects, including anticipated sustaining, project, and exploration expenditures; the ongoing impact and timing of the court-mandated ILO 169 consultation process in Guatemala; ore grades and recoveries; capital, decommissioning and reclamation estimates; our mineral reserve and mineral resource estimates and the assumptions upon which they are based; prices for energy inputs, labour, materials, supplies and services (including transportation); no labour-related disruptions at any of our operations; no unplanned delays or interruptions in scheduled production; all necessary permits, licenses and regulatory approvals for our operations are received in a timely manner; our ability to secure and maintain title and ownership to mineral properties and the surface rights necessary for our operations; whether Pan American is able to maintain a strong financial condition and have sufficient capital, or have access to capital through our corporate sustainability-linked credit facility or otherwise, to sustain our business and operations; and our ability to comply with environmental, health and safety laws. The foregoing list of assumptions is not exhaustive.
Pan American cautions the reader that forward-looking statements and information involve known and unknown risks, uncertainties and other factors that may cause actual results and developments to differ materially from those expressed or implied by such forward-looking statements or information contained in this news release and Pan American has made assumptions and estimates based on or related to many of these factors. Such factors include, without limitation: the duration and effect of local and world-wide inflationary pressures and the potential for economic recessions; the duration and effects of COVID-19, and any other pandemics on our operations and workforce, and the effects on global economies and society; fluctuations in silver, gold and base metal prices; fluctuations in prices for energy inputs, labour, materials, supplies and services (including transportation); fluctuations in currency markets (such as the PEN, MXN, ARS, BOB, GTQ, CAD, CLP and BRL versus the USD); operational risks and hazards inherent with the business of mining (including environmental accidents and hazards, industrial accidents, equipment breakdown, unusual or unexpected geological or structural formations, cave-ins, flooding and severe weather); risks relating to the credit worthiness or financial condition of suppliers, refiners and other parties with whom Pan American does business; inadequate insurance, or inability to obtain insurance, to cover these risks and hazards; employee relations; relationships with, and claims by, local communities and indigenous populations; our ability to obtain all necessary permits, licenses and regulatory approvals in a timely manner; changes in laws, regulations and government practices in the jurisdictions where we operate, including environmental, export and import laws and regulations; changes in national and local government, legislation, taxation, controls or regulations and political, legal or economic developments in Canada, the United States, Mexico, Peru, Argentina, Bolivia, Guatemala, Chile, Brazil or other countries where Pan American may carry on business, including legal restrictions relating to mining, including in Chubut, Argentina, risks relating to expropriation and risks relating to the constitutional court-mandated ILO 169 consultation process in Guatemala; diminishing quantities or grades of mineral reserves as properties are mined; increased competition in the mining industry for equipment and qualified personnel; those factors identified under the caption "Risks Related to Pan American's Business" in Pan American's most recent form 40-F and Annual Information Form filed with the United States Securities and Exchange Commission and Canadian provincial securities regulatory authorities, respectively; and those factors identified under the caption "Risks of the Business" in Yamana's most recent form 40-F and Annual Information Form filed with the United States Securities and Exchange Commission and Canadian provincial securities regulatory authorities, respectively. Although Pan American has attempted to identify important factors that could cause actual results to differ materially, there may be other factors that cause results not to be as anticipated, estimated, described or intended. Investors are cautioned against undue reliance on forward-looking statements or information. Forward-looking statements and information are designed to help readers understand management's current views of our near and longer term prospects and may not be appropriate for other purposes. Pan American does not intend, nor does it assume any obligation to update or revise forward-looking statements or information, whether as a result of new information, changes in assumptions, future events or otherwise, except to the extent required by applicable law.
Cautionary Note to US Investors
This news release has been prepared in accordance with the requirements of Canadian National Instrument 43-101 (the "NI 43-101") and the Canadian Institute of Mining, Metallurgy and Petroleum Definition Standards, which differ from the requirements of U.S. securities laws. NI 43-101 is a rule developed by the Canadian Securities Administrators that establishes standards for all public disclosure an issuer makes of scientific and technical information concerning mineral projects.
Canadian public disclosure standards, including NI 43-101, differ significantly from the requirements of the United States Securities and Exchange Commission (the "SEC"), and information concerning mineralization, deposits, mineral reserve and resource information contained or referred to herein may not be comparable to similar information disclosed by U.S. companies.

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For more information:
Siren Fisekci
VP, Investor Relations & Corporate Communications
Ph: 604-806-3191
Email: [[email protected]](mailto:[email protected])
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2023.05.28 03:41 palocci The Brazilian "Secular Stagnation" and what Lula can do about it

The Brazilian
Introduction
Here's another effortpost on Brazil! This time I'll be talking about why the Brazilian economy stagnated, and what we can expect from Lula in terms of economic policy (I've talked about this in the past but now I'll go into more detail).
Between 1920 and 1980, Brazil was a clear economic success story. For 60 years, our GDP grew at an average of 4% a year. This 'golden age' ended in a hyperinflation crisis, which made the 1980s become known as a 'lost decade', and since its resolution in 1994 with the Plano Real, our economy has experienced minimal growth: from 1980 to 2020, the average GDP growth rate was only 0.7%.
Evolution of the Brazilian per capita product, at 2010 prices, from 1900 to 2021. The scale of the graph is logarithmic in base 2.
In this post, I'll try to explain the reasons for Brazil's low growth in the last four decades and what Lula's plans are to address them.
The debate
Before delving into the actual causes of the "semi-stagnation", I would like to explain the economic debate in Brazil. This debate revolves around two major groups of economists: the "developmentalists" and the "liberals." The term "developmentalism" may be unfamiliar to many people here, but it is very present in Latin America. A decent explanation for it could be "dirigisme with Latam characteristics."
In short, liberalism in this context is associated with economic orthodoxy and a pro-market orientation in economic policy, while developmentalism leans towards economic heterodoxy and advocates for direct state interference in the economy. This debate is, in theory, separate from the traditional right versus left political divide, as we have had governments from both ends of the political spectrum adopting policies aligned with either school of thought. For instance, Lula I (2003-2007) represented a left-wing liberal government, while Geisel (1974-1979) presided over a right-wing developmentalist government. However, in practice, liberalism is associated with the right-wing while developmentalism is associated with the left-wing.
One area of major divergence between those two groups is full employment. Liberals argue that the Brazilian economy generally operates at full employment, which means that there are well-defined supply-side limits and restrictions in the economy, whereas developmentalists believe it tends to operate below that level. This implies that the economy's natural state is one of perpetual aggregate demand deficiency, and thus the government could just increase spending to mobilize idle production factors and stimulate economic growth.
Furthermore, liberals typically view direct state intervention in the economy with distrust, opposing increased public investments in infrastructure and most forms of industrial policy. Their preference generally leans towards reducing government spending and relying on a 'crowding in' effect, together with supply-side reforms. Conversely, developmentalists perceive state intervention as a necessity to stimulate the economy, favoring a robust industrial policy and increased public investments.
Those are significant oversimplifications, and many economists do not align themselves with either group. In any case, I would say this categorization reasonably represents the current debate.
It's a tradition in Brazil to divide ministries between liberals and developmentalists to ensure a balance between the two. The current Finance Minister, Fernando Haddad, believes in a middle ground approach, with some of his secretaries (e.g., Guilherme Mello) leaning more towards developmentalism, while others (e.g., Bernard Appy) lean more towards liberalism. Planning Minister Simone Tebet and Industry and Commerce Minister Geraldo Alckmin are firmly in the liberal camp. However, due to the nature of his ministry, Geraldo Alckmin will probably concede more to developmentalist policies (as he's already doing). Aloizio Mercadante, the President of the National Bank for Economic and Social Development (BNDES), is considered the leader of the developmentalist branch of the government, along with Workers' Party President Gleisi Hoffmann (some people jokingly refer to her as the main opposition to Fernando Haddad and the 'Twitter Shadow Finance Minister' due to some of her tweets).
Without further ado, let's get to the causes of Brazil's stagnation.
Guido Mantega (Finance Minister between 2006 and 2014) and Antônio Palocci (Finance Minister between 2003 and 2006). Mantega is associated to developmentalism and Palocci to liberalism.
Education
First of all, the significant growth of the 20th century left a terrible educational legacy. Brazil only began to have a somewhat consistent educational policy in the 1990s and 2000s, when basic education was universalized. To put it into perspective, in 1990, the average number of years of schooling in Brazil was 3.8 years. Even Sub-Saharan African countries like Congo, Zimbabwe, and Zambia had higher average schooling levels than ours. Approximately a quarter of the population were illiterate.
The key change came with the 1988 Constitution, which decided that Brazil would try to become an European-style social democracy. Since then, considerable progress has been made, but clearly not enough. The main educational bottleneck lies in Elementary School II, which typically spans the ages of 12 to 15. It is during this stage in Brazil that the discrepancy between age and the appropriate grade level drastically increases, leading to higher rates of grade repetition and students falling behind in their education.
This problem is probably related to the transition from a single teacher trained in pedagogy in Elementary I to several specialists teaching only one subject. This transition also occurs at the onset of adolescence, which is naturally a turbulent phase already, with the introduction of drugs, alcohol and various forms of prejudice being normal. The result ends up being a distancing of the student from school.
Two Brazilian states, which have been governed by center-left parties for many years, serve as examples in Brazilian educational policy: Pernambuco and Ceará.
A highlight in Ceará is the Programa de Afabetização na Idade Certa (Program of Alphabetization in the Right Age), which aims to ensure that all students in the state's public school systems achieve literacy by the age of 7. The plan was based on the following pillars: (1) the elaboration of a specialized literacy curriculum that was adopted in all the municipalities, with structured materials for teachers and students containing a daily routine of classroom activities and homework assignments; (2) pedagogical practices to encourage reading in the classroom; (3) financial incentives for the municipalities that achieve better results in education; and (4) evaluation and monitoring of the program, with a census and diagnostic test that is applied at the beginning of every semester.
Pernambuco has implemented a Full-Time High School system that stands out. The system is based on the following pillars: (1) the introduction of a subject called "life project," which encourages students to create plans with goals and objectives for their lives; (2) guided study, providing a space for autonomy in learning and fostering self-directed learning skills; (3) hands-on, practical classes that combine theory and practice; (4) youth clubs, where collective interests of young people are pursued; (5) tutoring, where teachers (tutors) interact with students to support their development; and (6) full-time education, of course.
Both plans have been tremendous successes and could be implemented nationwide. The Member of Parliament Tabata Amaral has proposed the program "basic education like Ceará's, high school like Pernambuco's." We might see that put in practice. Izolda Cela, the mind behind Ceará's basic education plan, is the Executive-Secretary of the Ministry of Education, and the current Minister of Education is Camilo Santana, the governor of Ceará between 2014 and 2022.
Izolda Cela (Executive-Secretary of the Ministry of Education) and Camilo Santana (Minister of Education).
Public Investments
Furthermore, there is a general consensus that the significant decrease in public investment since 1980 explains part of the problem. During the Golden Age of Brazilian growth, public investment mounted to about 6% of GDP, whereas it currently stands at approximately 4% since the lost decade. Liberal economists tend to attribute this to the expansion of the welfare state, that came with a substantial increase in the tax burden (from 25% of GDP in the 1970s to 35% in 2000). On the other hand, developmentalist economists point to the decline in public savings due to the privatization of state-owned enterprises in the 1990s.
In his second government, Lula created the Programa de Aceleração do Crescimento (PAC) (Growth Acceleration Program), whose objective was precisely to expand public investments. Unfortunately, the plan ended up with highly controversial results, primarily due to the low administrative capacity of the Brazilian State and corruption (some like to call the plan the Corruption Acceleration Program!).
But now the Workers' Party has gained new experience. Many of its state governments became famous for extensive investment programs in partnership with the private sector, delivering positive results. Chief of Staff Rui Costa, in particular, had a successful experience with public-private investments during his tenure as the governor of Bahia. He is now expected to lead the "New PAC", which will probably be announced at some point between today and July. (The project still has no name and is provisionally being called "New PAC").
Here's what Rui Costa has said about the project: "We will have, in an unprecedented way, investments with Public Private Partnerships (PPIs) at the federal level. Many states, including Bahia, have made PPI projects. [...] We are negotiating with the Ministry of Finance the conditions for guarantees so that we can leverage these projects."
Lula wants to meet with the 27 state governors to determine which state projects the Union should prioritize for its investments. In recent weeks, Costa has held individual meetings with the state governments to define which projects will be included in the new PAC. In all, eight governors have already been heard.
In a speech on the May 1st holiday, Lula said the following about the project: "We are inviting foreign businessmen to invest in Brazil and we are showing them the great projects that we are going to present in the third PAC. It will be the largest infrastructure project in this country."
Former Governor of Bahia (2014 - 2022) and current Chief of Staff Rui Costa.
Deindustrialization
Another problem is the early deindustrialization that is taking place in Brazil: we are losing our industry before becoming rich. In the beginning of the lost decade, the industry accounted for one-quarter of the Brazilian GDP, whereas today it represents around one-tenth. The reason for this process is complex, and once again, economists disagree. Liberals point to the new form of production organization that emerged with globalization, where the manufacturing of goods was fragmented into different stages, each executed in different countries. According to this line of thinking, Brazil failed to adapt to the new industrial configuration and remained stuck in an unrealistic autarkic dream. On the other hand, developmentalist economists usually argue that after the end of hyperinflation, Brazil fell into a trap of having an overvalued currency and high interest rates, demolishing the industry's competitiveness. (I am more inclined towards the first thesis, although it is a fact that the Brazilian exchange rate was detrimental to the industry after the Real Plan).
Now I want to talk a little bit about the Brazilian industrial bourgeoisie and its problems. In the 1960s, the then sociologist and future president Fernando Henrique Cardoso published his thesis on the Brazilian industrial entrepreneurs. Based on his research, he concluded that Brazilian industrialists did not have any national project, and (1) "only cared about their personal interests when speaking on behalf of the class" and (2) "[their] political action consists of personal participation in the patrimonialist game." Brazil has a serious problem related to what we call 'patrimonialism,' which refers to the capture of resources from the Brazilian state to benefit private interests.
Unfortunately, industrial policy in Brazil often results in tax exemptions, subsidies, tariff protections, etc., for an inefficient, patrimonialist, and somewhat broken industry that was developed in the 20th century. The Workers' Party itself fell into this outdated corporatism while in power, especially during the first Rousseff administration (2011-2015). It is a shame that advocating for greater state involvement in the economy ends up becoming a defense of those interest groups.
In this sense, I find myself opposed to both liberals and developmentalists. While the latter end up promoting an agenda that only benefits private interests, albeit with good intentions, the former dismiss any state planning, believing in an 'economic abiogenesis.' Since 2016, we have been reducing the role of the state and waiting for a crowding in effect, but with no success. We need strong a industrial policy, but it has to be transparent and not perpetuate the old game of patrimonialism.
In the words of the brilliant economist Laura Carvalho: "We want a State that identifies ways to stimulate technological innovation and product development in partnership with the private sector. But this policy cannot become hostage to the existing private sector. We have remnants of our industry of the 20th century, for example the automobile industry, and when we do industrial policy, we end up just giving incentives to them. This is a state that does not choose winners, but rather is chosen by losers. Those who are struggling in the industry try to eat the resources of the state to survive."
Unfortunately, the signals from the new Lula government are quite negative. Industry and Commerce Minister Geraldo Alckmin recently announced a plan of incentives for the automobile industry, which is essentially the same program that has failed several times in the past. There are positive things coming from his ministry, but few of them have much to do directly with a well-made industrial policy. It's a shame.
His plans beyond industrial policy appear positive, as shown in the following excerpt, at least: "Brazil had an early deindustrialization. Europe also deindustrialized, but ours was precarious and severe. More than reindustrializing, we need a neo-reindustrialization. A central issue is the competitiveness agenda. There is a principle in medicine that says: suppress the cause and the effect ceases. We have to act on the causes of low growth. Our tax model generates an absurd cost for companies. It is not fair. We have an absurd judicialization that leads to legal insecurity and hinders exports. The whole world has a VAT (value added tax. I defend it. I think Haddad is doing well and I am a great enthusiast of the tax reform."
Probably more than any other politician of expression today, Haddad positions himself as a republican and talks about reducing the patrimonialist distortions of the Brazilian public budget. He talks about "closing the drains of what is called Brazilian patrimonialism" and "ending a series of abuses that have been committed against the fiscal base" of the country. He says that many sectors have been "overly" benefited "with rules established over the decades and that have not been reviewed by any outcome control. Many have expired from the point of view of efficiency, and need to be revoked."
Former Governor of São Paulo (2001 - 2006; 2010 - 2017) and current Vice-President of Brazil and Minister of Industry and Commerce Geraldo Alckmin.
Business Environment
Brazilian productivity has been stagnant for decades. What is causing this? The main suspect is the Brazilian tax system. There is an enormous complexity in the various indirect taxes (ISS, ICMS, PIS/Cofins, and IPI), which forces every company to have an excessively large department dedicated to tax payment. Additionally, numerous divergences of interpretation arise between the Federal Revenue, state authorities, and businesses. On every corner of our cities, there is a specialized tax law office to assist companies in dealing with the extremely high level of litigation in our taxation system. To make matters worse, our indirect taxes discourage investment in locations with higher social returns, as the tax complexity and special tax regimes artificially alter the profitability of investments and production. A general simplification of these taxes, with the adoption of a Value Added Tax, could have an impact on the economy's efficiency equivalent to the Plano Real, which ended hyperinflation.
Even beyond the tax issue, the Brazilian business environment is terrible. According to the World Bank's Doing Business 2020 report, which measures the ease of doing business in 190 countries, Brazil ranks 124th. This problem is related to excessive bureaucracy, unexpected judicial decisions, loopholes in regulatory frameworks, and disrespect for contracts.
The Tax Reform is going to be the government's main priority after the approval of the New Fiscal Anchor. Planning Minister Simone Tebet summed up the reform as follows: "The Tax reform is the only silver bullet that we have to save Brazil."
And here's what Finance Minister Fernando Haddad has said about it: "There is no way to grow Brazil's productivity with this tax system [...] We are developing a tax reform that is even more modern, because it introduces in the national tax system a Value Added Tax that solves a good part of the flaws of the current system that, in my opinion, is the great villain for the low growth rates of our productivity." The idea is to approve the Tax Reform still this year (Haddad talks about doing it in the first semester!).
Special Secretary for Tax Reform Bernard Appy.
Economic Isolation
Brazil has a very closed economy. Among the 160 countries analyzed by the World Bank, the Brazilian economy is only less open than that of Sudan. The average protection applied by Brazil to capital goods is 14 times higher than in Chile and 25 times higher than in Mexico. This is probably the most expressive cause of the low productivity and deindustrialization in Brazil, together with the tax system. Here, I quote the brilliant economist Edmar Bacha: "[The closure of the Brazilian economy during the Geisel government (1974 - 1979)] caused a tremendous drop in the economy's productivity and an increase in the cost of capital goods. And this, I believe, is what lies at the root of our stagnation after the so-called economic miracle (1968-1974). Our industry became unable to compete internationally. And we were forced, because the industry has this extraordinary lobbying capacity, to prevent the redesign of the Brazilian industry to participate in global value chains."
Bacha's argument makes sense: the collapse of GDP growth coincides with the collapse of capital accumulation (the growth rate of the capital stock) after Geisel's government. Why did capital accumulation collapse? Bacha explains that using a decomposition of the investment = savings relationship: K' = s(1/p)v - δ, where K' = capital accumulation, s = savings rate, p = relative price of investment, v = output-capital ratio, and δ = depreciation rate.
Between 1950-1980, the "golden age" of Brazil, K' grew at nearly 9% per year. Between 1981-2014, this number was 3%. Why? Looking at the historical series, the difference is not in savings or depreciation. What happened was that the output-capital ratio fell by about one-third, and the relative price of investment increased by one-third. In other words, the capital requirement per unit of output increased significantly, and at the same time, the price of investment goods rose significantly. According to Bacha, this process occurred between 1973 and 1983, a period in which the Military Government pursued an autarkic economic policy.
The ideal scenario for Brazil would be to open its economy and have an export-oriented industry. The industry we have developed is heavily reliant on our domestic market, without external competition. In the words of economist Nelson Barbosa: "Brazil cannot produce ships, but it can produce airplanes. Brazil does not have car manufacturers, but it has bus manufacturers. Brazil cannot have a domestic production of microelectronics, but it has a good domestic production of electric motors. So we need to study what worked in these sectors to see if it can be replicated in other sectors. All these successful sectors, Embraer, Weg, Marco Polo, are sectors that are competitive in Brazil and in the world. Here is the first clue: correct industrial policies create domestic production that competes domestically and internationally. They are integrated products that import and export extensively. Value chains."
However, an open trade policy without a plan may not be positive either. In Nelson's words: "Development always means increased productivity. Opening the economy can stimulate productivity, but it can also lead to a negative specialization. You can open your economy and become a country that only exports commodities, with an inflated services sector that only sells domestically, with a significant portion of your population relying on informal jobs. Which is what happens in Brazil. So I think trade openness is inevitable, more developed countries are more open, but thinking that just opening up will automatically lead to development is naïve and something we shouldn't do in the 21st century. I believe that strategic trade integration is crucial and necessary for development. Unilateral openness, without any plan, will only reinforce the specialization we already have today."
In any case, it is certain that the current excessive protectionism cannot be maintained. Opening up would allow broader access for companies to (1) cheaper and higher-quality inputs and (2) foreign-produced capital goods and technology, (3) create significant competition effects to invigorate the economy, and (4) create a 'selection effect' that would eliminate losers and favor winners.
But this is the agenda that I am least hopeful about. Trade openness is a topic that faces strong opposition from the Brazilian left and would likely only occur under a moderate center-right government. I hope, at least, that some trade agreements can be reached to open up the economy. The European Union-Mercosur trade agreement would have a significant impact and would be very important but I'm not very hopeful that it'll be approved.
Haddad is still optimistic, though! He said that a more emphatic diplomatic effort will be made starting in the second semester, in a movement that will take advantage of Brazil's leadership in Mercosur and Spain's leadership in the European bloc.
Simone Tebet (Planning Minister) and Fernando Haddad (Finance Minister).
Interest Rates
Interest rates in Brazil are much, much higher than the global average. Our credit is scarce and dysfunctional. Lula likes to repeat that Brazil is a capitalist country without capitalism because there is no credit.
Brazil has the second-highest bank spread in the world, second only to Madagascar. This means that banks in Brazil charge very high interest rates for lending money. To give you an idea, Brazil's bank spread is higher than the average observed in countries at war. There are several reasons for this, but some stand out: (1) savings in Brazil have historically been very low (around 20% of GDP), (2) the government consumes a significant portion of savings to finance itself, and (3) the Brazilian banking sector is extremely concentrated, with a few banks dominating the entire sector.
The other issue in this discussion is the current policy interest rate set by the Central Bank. Brazil currently has the highest real interest rate in the world, at around 9%. The debate about whether this interest level is correct or not is quite active in Brazil, with its proponents arguing that the current Brazilian inflation is demand-driven and pointing to inflation in the services sector and core inflation, while its critics argue that inflation is not demand-driven, pointing to the fact that Brazil has had a negative output gap since 2015 and that supply shocks can explain the inflation in services.
This debate is complex, and it is hard to determine definitively which side is right. Nevertheless, the Central Bank is strongly adhering to the first thesis.
The current Chairman of the Central Bank, Roberto Campos Neto (RCN), is the grandson of an economist of the Military Dictatorship and was appointed by Bolsonaro. He will remain in his position until 2024 due to the new autonomy granted to the Central Bank in 2021. In this scenario, Lula engaged in a public war against RCN, urging him to lower interest rates. The situation became tense, but Lula never showed any willingness to take effective action to remove him, remaining only in rhetoric. Throughout the conflict, Haddad positioned himself as a moderate, playing a certain "good cop, bad cop" game with Lula and gaining trust in the financial market. Apparently, Lula intends to nominate former executive-secretary of the Finance Ministry Gabriel Galípolo to replace RCN in 2024. He was recently appointed as director of monetary policy at the Central Bank, and is widely identified as a heterodox economist.
Haddad's current plan is to stabilize Brazil's deficit to allow for a monetary loosening. Here's what he said: "We are not at a point where fiscal expansion is going to help the economy. If there is room for any stimulus, it will be monetary. If we know how to make the transition, there is room for a lower interest rate, you just have to give security to the monetary authority." He does not seem to be concerned about banking concentration, though.
Chairman of the Central Bank Roberto Campos Neto.
TL;DR
The Brazilian economy has seen very little growth since the the lost decade in the 1980s. One of the primary factors contributing to this stagnation is the economy's low productivity. There are several reasons behind this low productivity, including:
  1. Inadequate infrastructure and insufficient investments in its development.
  2. A significant delay in comparison to other countries in terms of investing in education.
  3. Unreasonable economic protectionism.
  4. Private groups exerting undue influence and capturing the Brazilian state (patrimonialism).
  5. Failure to adapt our industry to a globalized world.
  6. Excessively high bank spreads.
  7. A terrible business environment, particularly due to the tax system.
There are other reasons for sure, but I'd say most people would agree those are the most important ones. Also, here's my effortpost on the Workers' Party, in case you haven't read it.
submitted by palocci to SocialDemocracy [link] [comments]


2023.05.27 23:42 Dull-Week-866 How to hack and 'fix' a bad credit score How to improve a bad credit score.

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submitted by Dull-Week-866 to u/Dull-Week-866 [link] [comments]


2023.05.27 23:34 Several_Hope_4533 LOOKING FOR CREDIT SCORE FIX

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2023.05.27 23:32 Several_Hope_4533 LOOKING FOR CREDIT SCORE FIX

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2023.05.27 23:30 Several_Hope_4533 LOOKING FOR CREDIT SCORE FIX

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submitted by Several_Hope_4533 to u/Several_Hope_4533 [link] [comments]


2023.05.27 23:06 No_Profile3976 Car Title in ex's name, bank lost title and POA before I could sign it

Here's my shit show, hopefully summed up in an easy to understand way:
In 2017, I bought a car in MS, as in I used my money to pay for it. But (rookie mistake) we put it in my now ex-husband's name because at the time it saved us approximately $900 on the registration and that was the recommendation of the salesperson. Plus, "there's no need to put both of us on there since my credit score is better." So, the title and the loan were in his name.
Fast forward, I move to CO, he moves to TN and we get divorced. It wasn't pretty, but it wasn't really dirty as we don't have kids or anything. We start the process of getting the car in my name. The loan was super easy to move over to my bank with the rest of my accounts. With that, of course, was the car title and all of the papers. Our divorce was finalized in Dec 2019 and the papers granted me the car.
The bank attempts to send the title to the DMV so that I can sign it into my name. I say "attempts" because the DMV in my city is not car registration - that is across town. It does, however, share the building with the lottery office. So we can't find the papers, we don't know where they went. Eventually, we learn they went to the lottery office. Manager claims he "can't remember" if he mailed it to vehicle registration or sent one of his employees to hand deliver it. Vehicle Registration claims they never received it. And then, guess what! Covid lockdown because it's March 2020. So any government is impossible to get a hold of for months. I was calling all over the state once they started opening up for pre-made appts and more often than not, staying on hold until I was hung up on by a machine.
Life is turmoil for the next year and once I regain myself, I'm working with the bank to learn they lost ALL of the papers, including power of attorney from my ex. He has to re-sign in front of a notary and the bank needs the original signed document.
The past 3 years - I've been driving a different car and haven't been able to get a hold of him.
What can I do? I am still paying on the car and it affects me and me alone if I stop paying. I literally don't care about the car at all at this point, but I can't just be holding onto a car that doesn't "technically" belong to me, even if I've paid for the whole thing and the divorce papers grant me ownership.
I really don't want to drag a lawyer into this, but is that my only option? All I need is a power of attorney form signed in front of a notary.
If I need to clarify anything, please let me know. It's a stupid situation and I would change SO MANY THINGS about the entire thing, but here we are.
submitted by No_Profile3976 to legaladvice [link] [comments]


2023.05.27 22:29 Several_Hope_4533 LOOKIN FOR CREDIT SCORE FIX

A bad credit score can make life very frustrating and a bit more difficult than it should be. Fortunately for me, I figured out how to fix mine months after looking for different means to fix it. Bad credit score causes a lot of roadblocks such as rejection of loans and lines of credit (including car loans, mortgages, student loans, personnel loans, etc), difficulty in getting retail application approved, difficulty in getting a new cell phone contract, difficulty in making required security deposits, employee background check issues, higher insurance premiums in some states. Trust me, I used to face most of these roadblocks but thanks to a highly prolific hacker I hired, I was able to quickly increase my credit score and I’m still enjoying the benefit to date.
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submitted by Several_Hope_4533 to u/Several_Hope_4533 [link] [comments]


2023.05.27 22:27 Several_Hope_4533 LOOKING FOR CREDIT SCORE FIX

A bad credit score can make life very frustrating and a bit more difficult than it should be. Fortunately for me, I figured out how to fix mine months after looking for different means to fix it. Bad credit score causes a lot of roadblocks such as rejection of loans and lines of credit (including car loans, mortgages, student loans, personnel loans, etc), difficulty in getting retail application approved, difficulty in getting a new cell phone contract, difficulty in making required security deposits, employee background check issues, higher insurance premiums in some states. Trust me, I used to face most of these roadblocks but thanks to a highly prolific hacker I hired, I was able to quickly increase my credit score and I’m still enjoying the benefit to date.
Contact
RYANPROHACKER AT GMAIL DOT COM
WHATSAPP: +1 (330) 850 1777
Many services he can render include: Social Media Hack ( Snapchat, WhatsApp, Instagram, Facebook/Messenger, Twitter, Viber, Tiktok, Tinder etc.), GPS Location Tracking, Recovering of lost bitcoin/ bitcoin account, Incoming calls Restriction, Intercepting and Retrieving Instant Messages, Grade Hacking, Credit Score Increase, USSD Control Commands, WhatsApp Spy, Viber Spy, Facebook/Messenger Spy, Skype Spy, Hacking into Databases of all kinds, Calendar Monitoring, Internet Usage Monitoring, Remotely Accessing SMS, Game Hacking and Cracking, Key Logging, Remote Email Spying, and more. What made me had trust in him was his offer of total Refund of any displeasing services but i didn't have to use that Choice.
submitted by Several_Hope_4533 to u/Several_Hope_4533 [link] [comments]


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It doesn't take a financial disaster to push people into borrowing. In a 2022 survey, the vast majority of borrowers said they used a payday loan for everyday expenses, such as food, rent or utility bills. Just 16% said they had an emergency expense, and 8% said they used the loan for "something special."
\"A lot of Americans don't have much margin for error and need a little help when they get fewer hours at work in a week or have an unexpected expense,\" Horowitz said.

Payday loans have one major benefit: They're a fast way to get money if you're desperate.
Until recently, banks generally shied away from offering small-dollar loans. It wasn't clear that it was legal for banks to lend without pulling a credit report, the cost of which outweighed the potential profitability of lending a small amount of money to a financially strapped customer.
But after guidance from financial regulators in 2020, some banks started offering these products, which rely heavily on automation and a customer's checking account history. Examining how often a customer makes deposits and withdrawals is often a better indicator of whether they can repay a few hundred dollars than a traditional credit report, Horowitz said.
Because the process is so automated, there's no way to ask for one, Horowitz noted — a person logs into their bank account, and if they're eligible to ask for a loan they'll see the option. "Banks want to show these loans to people who qualify for them, not people who don't," he said.
Some credit unions offer a similar product called a Payday Alternative Loan. Still, Horowitz said that tens of millions of Americans lack options for affordable borrowing in a pinch, and Pew is pushing for more banks to offer this option.
LoansAngel makes possible to request such financial services as personal, installment and payday loans with a single application form. Such solution will help to find more options for your clients. Loan amounts may vary from $100 to $5,000.
submitted by LoansPayDayOnline to LoansPaydayOnline [link] [comments]


2023.05.27 21:23 brokencondom1000 Anyone here ever do a lease buyout from Kia Car Pros Huntington Beach?

This probably isn't the best place to ask, but I'm using all my resource options.
I leased a car three years ago from Kia Car Pros in Huntington Beach when I was still living in OC. I now live in San Diego and my lease is ending in a month and I wish to buy out my car and keep it.
I'm doing the financing through my local credit union (Mission Fed) and they told me all I needed to do was email my representative the lease buyout package from my Kia finance account, which I did. My Mission Fed rep also told me I wouldn't have to go to the dealership in this process at all. However I got a call from an employee from my dealership and he told me I had to come in so he could do an odometer check, car condition check, sign title paperwork, etc.
So I'm just wondering if anyone here has experience buying out their car from this particular dealer. I'm trying to avoid making the drive from SD to OC, but if I have to do it, I guess I will.
submitted by brokencondom1000 to orangecounty [link] [comments]


2023.05.27 20:40 PianoNo294 Feeling massively overwhelmed and it's destroyed my marriage. I spent all night crying lastnight.

Firstly, I really appreciate anyone who reads this whole ass post. I apologize for the length of it. Just needing to get a lot of stuff out.
I'll try to keep this as short and concise as possible, though it's difficult because there is a lot going on. I am half trying to vent, and half looking for advice on how to manage my life.
I guess I'll start with some general information about myself so that you can get an idea of who I am.

About me:
Both of my parents were drug addicts, I dropped out of high school when I was 14 years old, I have diagnosed major depression, anxiety, PTSD from childhood abuse, and am an addict (However, sober for 11 years). I am 29 years old, male, and considering my childhood am doing really well for myself. I am an entrepreneur, this month is a mile stone for me in business, I just crossed $20,000 (A month) in personal income (I launched my company January 1st of this year). It's not an exorbitant amount of success but it's a big deal for me. I finally feel like I am hitting a stride in my business and making "Adult" money. My whole life as a high school dropout I was lucky to make 65-85k, Now I am crossing the territory of 240-320k
I am not medicated at all, and for the most part I feel like I handle my issues pretty well. I am high functioning, very effective and productive, I am able to get lots and lots of work done. Not just work work, but anything that needs to be done. I am known to eat to do lists for breakfast.

The problem:
That being said. My marriage is in shambles, and I am so incredibly overwhelmed with life. I almost crashed my car yesterday because I am so distracted with what feels like millions of things going on in my head at all times. It's this immense pressure on my shoulders that I feel personally responsible for everything.
Part of that is running a business myself, in a company that should probably have at least 5 employees, I am doing all of those responsibilities, if anyone has every started a business you know how it is. I plan to hire as soon as I have the profitability to do so.
Another thing is that I am responsible for our family (Myself (29) and my wife (33) needs. Just general things like staying ontop of bills, grocery shopping, keeping the house clean, etc. It's become a situation where If I don't get these things done, I get blamed for them not being done. If we miss a credit card bill and it goes to collection, it's my fault. So either I take on the additional stress of making sure everything gets done, or I suffer the consequences of things not being done. If feels like I cant win either way.
Another factor that isn't helpful is my business is in photography, and so it is very common to deal with clients who are not happy. Most of my clients are happy but its very common to get "You didn't do this right", "I don't like this", " This is terrible" type complaints which is difficult to hear on a regular basis while also struggling with trying to keep your head above water.

And so my day to day thought process is something like this. All at the same time.

  1. I have to get that quote to that client
  2. XXX client isn't happy and wants to schedule a reshoot
  3. I need to get these 3 outstanding invoices paid
  4. The kitchen is a mess and wife is upset about it.
  5. I need to pay the medical insurance
  6. Car needs oil change
  7. Phone ringing
  8. Texts coming in
  9. Client wants to reschedule Thursday
  10. yesterdays client wants to know where their photos are
  11. I'm double booked for Wednesday, need to find a replacement.
  12. debt collector calling about that missing payment
  13. Spam call
  14. Bathroom is dirty
  15. Wife is upset I don't socialize with her friends more.
  16. Need to get taxes done
  17. I haven't had time for a haircut, need to get that done.
  18. Going to Rome for vacation in a month, need to train someone to handle my business while I am away.
  19. Phone ringing again
  20. need to figure out dinner for tonight

These are just random examples of what's going on for me day to day. it never ever ends, and I am able to do a really good job at managing it all. but there is no reprieve. It seems a "Slow Day" doesn't exist for me.

However yesterday was a breaking point for me. This last week I've started to feel really sick. Like fatigue, side pain, light headed, overwhelmed. So I told my wife I wasn't feeling good and needed her to help me. She kind of brushed it off and just ignored me. This set me off because I very clearly came to her in vulnerability and told her I wasn't feeling well, I was very overwhelmed, and I was feeling very lonely and isolated in that moment and I needed her to nurture me. She just shuts down emotionally, She'll say things like "I love you" or " It's gonna be ok". But then she'll do things like immediately get on her phone and start texting, or ignore me entirely.
She exploded with her telling me what she doesn't know how to help me, that I am too much, that my emotions are too much and the only thing I do is suck the energy from her. That I am just playing a victim to get sympathy, and that it's not fair to her that she is my only support system and I need to find other people to talk with. Then she told me that there is other people I can connect with but that I choose not to, and that I choose to be isolated, and its my fault that I don't build community and that I isolate myself. That my feelings are in in-valid and its feelings is what makes her resent me. She has told me in the past that she feels like my feelings are a narcissistic abuse towards her.
And then we got into a fight where she told me that she no longer loves me, that I am not the person she wants in her life, that I don't make an effort to go out with her friends, that I don't care about connecting with her and her friends, that I don't want the same things that she wants in life.
She says I don't try, and that she has given me multiple chances to be better and I can't do it and she doesn't want to spend the rest of her life with someone like me.
Then when I try to explain to her how that makes me feel she will roller her eyes, or sigh, or get angry that I am continuing to try and express to her how I'm feeling. It's a negative feedback loop of me having these feelings, and then her feeling like my feelings are an attack on her, or that I am being emotionally abusive towards her for telling her. It's been years that it's been like this and it always ends with her telling me to not discuss my feelings with her, that she does not want to deal with it. So I repress my feelings, I buckle down and work hard, I keep my head down for a few months, and then I'll have a particularly bad week for whatever reason and I'll get overwhelmed and ask for help, and that will set her off and then the cycle continues.
Lastnight she told me that she is leaving. This morning she told me that maybe we can work things out if I can figure out how to manage this and provide for her the things that she needs from the relationship.

The advice:

How in the hell do I manage all of this? Ontop of my business and general life responsibilities, I am expected to exercise an hour a day, eat healthy, socialize a few times a week. I feel so stupid and worthless because I can't manage it like everyone else seems to manage it. My wife is so irritated with my incompetence and I just don't know how to do it all. I am already actively accomplishing things from about 7am - 9pm everyday. It's not like I'm sitting on the couch having a beer. I'm actively like accomplishing things, it's just not enough things to keep life going. I feel have to prioritize to keep all the balls in the air.

Right now I've got 8 deadlines that are past due, I'm writing a long ass post on reddit to strangers, and researching how addictive anxiety meds are in the event that I can get some anxiety meds so I can be less nervous to socialize at parties with my wife. All while clients are blowing me up, the house is a mess, and the bills are stacking up.
I've always come to the conclusion that suicide is only real exit strategy, I am not suicidal, like I am not trying to kill myself. But the conclusion I've come to time and time again is that the only way this will stop is when I'm no longer here. I've tired telling this to my wife and she immediately starts with me being the "Victim" and playing the "Victim card". I am not a victim, I have overcome every obstacle in my life I have been faced with, and I am not suicidal, I am just stating that my opinion is that my only reprieve from the overwhelm I feel on a daily basis will come when I die. no victim in that.
submitted by PianoNo294 to mentalhealth [link] [comments]


2023.05.27 19:42 Mission-Ad-2776 Which state job to pick?

Hi all. I would appreciate some outside perspective on my situation. I live in California, in a high cost of living area. I've been job hunting for the last few months, and have been fortunate enough to recently receive two job offers, both with the State.
Job #1 is with the Department of Social Services, and job #2 is with a local state college, and both are administrative positions. Job #1 has a mix of office and field days, which require me to use my personal vehicle, while Job #2 has a fixed office location on campus. Job #1 has a starting pay of $4500 per month in the first year, and since it has a step system, the pay would increase to $5000 per month in year two. It also has a union. Job #2 has a starting pay of $3500 per month, but there is no step system, so there is no guaranteed pay increase annually, though it also has a union which fights for one.
Both positions have comparably good medical, dental, and vision benefits, with Job #1 requiring a minor deduction from each employee paycheck (about $50 for the employee contribution), whereas job #2 has a stipend that covers all benefits (if the basic options are selected). Both jobs have a pension, both have a union, and both have a good degree of job security, though I would suspect job #1 with the Department of Social Services would be a bit more secure, since it is more directly connected to the State. I suspect job #1 would also make more opportunities for growth and movement available to me, whereas people working in job #2 say opportunies for growth are very limited.
Since I am looking for a long-term career, and since I hope to one day buy a home in my area, job #1 seems to be the better choice by a wide margin, due to its higher pay, step system and security, as well as the doors that this position would open. However, based on my research, job #1 is highly stressful, has a high turnover rate, and is a position many feel to be overworked and underpaid. While Job #2 pays significantly less, many say that it is an enjoyable position, with low-stress, and a comfortable work environment (though a common complaint is the low and stagnant pay). If the pay for both positions were equal, I would take job #2 in a heartbeat, however, since that is not the case, I just need to determine how much of a premium I am willing to place on having a low-stress and pleasant work environment.
What are others' thoughts on my situation? Is there anyone who has ever been in a similar situation? Is there any chance job #2 would be able to match the salary of job #1, if I were to show them my official offer paperwork (I suspect they wouldn't, since it's a union job, but they also mentioned that pay was based on skills, experience, and equity, so I was thinking I could frame my request by saying that another state body, which also uses those same criteria, determined I was eligible for 4500 per month starting). I know mental health and happiness are important, and I wouldn't want to wake up every morning for the next 30-40 years dreading work, but past a certain point, I don't want to have unreasonable-- or as some could say, childish-- expectations. I should also note that there is a handful of people who say they love job #1, and that job #2 would be at a school I once attended, so it has tremendous sentimental value to me. I am also aware that, with either job, home ownership in my area will be difficult, and likely not possible for a few years. I appreciate any advice or wisdom anyone can share!
submitted by Mission-Ad-2776 to careerguidance [link] [comments]


2023.05.27 19:05 GlassResident171 How to Hack and “Fix” a Bad Credit Score How to Improve a Bad Credit Score.

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Once you've done the hard work to fix a bad credit score, keeping up the momentum is the steps above.
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If you take these steps and still find yourself struggling, getting help FROM A MISTANONYMOUS will allow you to get back on track.
Be wary of any organization that promises to repair your credit with little or no time or effort. Improving your credit status takes time. Ultimately, there's nothing a credit repair company does that you can't do yourself with time and effort. [[email protected]](mailto:[email protected]) The Bottom Line
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Knowing where you stand, and making it a point not to avoid the reality of your credit status, are perhaps the most important ongoing tactics in the drive to improve credit. Check your credit report and score regularly using a free online service like the one available from Experian, and feel empowered knowing you can master your own financial well-being.
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submitted by GlassResident171 to u/GlassResident171 [link] [comments]


2023.05.27 18:26 discreditcampaign917 May 27, 2023 Update


Re:

Over the past year and a half, following my complaint to the EEOC, I have continuously been subjected to harassment and retaliation by my former employer. The situation escalated when I came across an audiotape revealing the company's VP of Finance discussing financial fraud. I have attached my EEOC complaint and rebuttal to provide you with a better understanding of this situation. The company has embarked on a campaign of retaliation and attempts to cover up the truth. Recently, I discovered that my phone was under surveillance by private investigators hired by my previous employer, Socure Inc. As mentioned earlier, this harassment began at my local YMCA, where multiple individuals were instructed to participate in a planned campaign targeting me. Socure extended their actions beyond the YMCA by continuously tracking my cellphone's location wherever I went. Initially, I suspected I was being followed, but I later realized that my phone had been compromised. My messages and calls were being monitored, and even my home internet seemed to be tapped into. Furthermore, I have reason to believe that my bank transactions were being monitored as well. I am being targeted because I disclosed illegal activities involving the VP of Finance, which he was afraid to share. I’m one hundred percent certain that Socure hacked into my cellphone to eavesdrop on all conversations. Any and all things that I discuss with my wife would later be discussed amongst gym goers, at multiple Mosque, and random places I often visit. I have attached my EEOC compliant for further assessment of this situation.

The following individuals, whom I suspect were compensated, were involved in collecting information about me and fabricating false allegations:
* Sonia Atherly, the Director of the YMCA
* Stephin Roberts, a YMCA member who became a friend
* Ade A. (last name unknown), a YMCA member who became a friend
* Andre Nelson, a friend from Downtown YMCA Brooklyn whom I haven't spoken to in two years
* Austin Hill, a YMCA member who accompanied Andre Nelson
* Ethan, a YMCA member (last name unknown)
* Torell Taylor, a YMCA member
* Multiple neighbors: units 5A, 5F, and 2X PHE
* Serdar Cam, former neighbor and new neighbor at 322 Gates Ave
* Trevor (last name unknown), a YMCA member
* Justin (last name unknown), a YMCA member
* An unidentified female YMCA member who unexpectedly appeared at a restaurant where my wife and I were in Puerto Rico
* Gavin Tseng, a former friend who orchestrated a scheme involving real estate and a startup concept

Retaliations took place at the following locations:
* Bedford-Stuyvesant YMCA: 1121 Bedford Ave, Brooklyn, NY 11216
* Brooklyn Mosque Khalifa: 120 Madison St, Brooklyn, NY
* Islamic Mission of America/Dawood Mosque: 143 State St, Brooklyn, NY 11201
* Airport Travels: JFK AirTrain
* Puerto Rico Vacation: Hilton Hotel
* Trip to Milwaukee: Airbnb rental at 1028 East Juneau Avenue, Unit 416, Milwaukee, WI 53202
* Supermarket in Brooklyn: 1420 Fulton St, Brooklyn, NY 11216
* Multiple Banking Institutions: Chase at 1380 Fulton St, Brooklyn, NY 11216 & TD Bank at 957 Marcy Ave, Brooklyn, NY 11216
* Multiple NYC Train Platforms: Hoyt–Schermerhorn Streets station & 125th Street Station
* Apartment Building: 322 Gates Ave, Brooklyn, NY 11216

Types of framing and allegations being built against me:
* Resume fraud
* Real estate fraud
* Influencing people to file lawsuits
* Influencing neighbors to complain
* False restaurant reporting
* False robbery attempt
* And more...


Bedford-Stuyvesant YMCA Director, Sonia Atherly - Staged Office Phone Video Recording:
Sonia Atherly, the director of the Bedstuy YMCA, participated in a retaliatory campaign. On September 29, 2022, she requested a meeting with me in her office. During our conversation, she pulled out her phone and began recording from her work monitor, alleging that a masked individual had entered the gym. She even asked me to view the video footage. While I complied, her phone continued recording, capturing my voice in the process. This action appears to be an attempt to counter the accusations made by the VP of Finance regarding fraudulent activities and manipulate my voice recordings to paint a negative picture of my behavior. In response to my concerns, the YMCA director provided the following reply: "Hi Lou. I believe that it was on Tuesday, and I was actually taking photos, so no, your voice would not have been captured in any way. To be clear, we do not record conversations at the Y in any way, shape, or form unless we have signed event waivers. I hope this clarifies the matter for you." On September 30, 2022, Sonia orchestrated an incident where the same individual showed up at the front desk as I was leaving, hoping to provoke a response from me and involve me in their investigation. For months, non-members of the YMCA were allowed to come into the facility and harass me while surveillance cameras were purposely turned off to destroy any possible evidence.

Bedford-Stuyvesant YMCA Program Coordinator, Jeff (Damian Best):
Upon my arrival at the basketball gym, Jeff, the program coordinator, and a parent with her child were already present. After requesting Jeff to wait a few more minutes, the parent engaged in a heated argument with him, demanding to know why her child couldn't participate since no one else was there. I reassured her that while I didn't mind, Jeff was responsible for setting the rules. She eventually left the gym in an angry state. Their intention was to have me report the incident to management and portray me as someone who constantly complains. On October 4, 2022, I sent an email to myself for record-keeping purposes.

Bedford-Stuyvesant YMCA Member, Ade (last name starting with "A"):
On Saturday, October 8, 2022, Ade and I agreed to meet for a late lunch at "The Green Place" in Brooklyn. I noticed that he kept referencing financial figures related to specific people he worked with. I suspect he has also been recruited to participate in Socure's retaliation against me. Their goal is to capture recordings of me to use them against me, claiming that I habitually record people. Ade also expressed dissatisfaction with the YMCA's adult open gym times during Saturday's basketball hours. He mentioned having discussed it with the front desk. On October 9, 2022, Ade sent me a screenshot of the YMCA's response to his request. It's important to note that I never made any complaints. As someone who lives near the YMCA and often wakes up early, I told him, "I don't want to play." Once again, Socure is attempting to build a case portraying me as someone who incessantly complains and records people to divert attention from their own misconduct. Multiple members were instructed to complain to me so that my name can be implicated. I believe that individuals are being compensated to assist them. In early May 2023, both Ade and Stephin Roberts repeatedly interrupted my workout in an attempt to initiate a conversation with me.

Bedford-Stuyvesant YMCA member, Stephin Roberts - Staged information gathering:
Stephin Roberts, a fellow YMCA member, unexpectedly called me after we crossed paths at the gym, which was an unusual occurrence. We exchanged brief greetings, and I proceeded with my workout. I suspect that his intention in calling me was to record our conversation and use it against me, falsely claiming that I frequently record people, which is entirely untrue. Given that my cellphone was being tracked, it seemed that whenever I left my home, I would coincidentally encounter Mr. Roberts. He had been instructed to fabricate a false DUI incident to elicit personal information from me regarding a case on my record that had been expunged. During our conversation, I shared a past experience of mine involving a car accident I had when I was younger while dating someone, as well as my advice on expungement, recounting a personal incident that happened to me. At the time, I thought Mr. Roberts was a genuine person with good intentions. I believe Socure will be attempting to coordinate and get me arrested for theft or burglary based on the previous expunged records, trying to paint a negative image of who I am. I believe Stephin Roberts has been recording me as a tactic instructed by Socure's private investigator.

Friend from Downtown YMCA Brooklyn whom I haven't spoken with in two years, Andre Nelson at Bedford-Stuyvesant YMCA:
I haven't had any communication with Andre Nelson for more than two years. However, he unexpectedly appeared at the gym I regularly attend on a Wednesday evening, despite it not being in close proximity to his residence. Subsequently, Mr. Nelson started frequenting the gym with his friend Austin Hill. Together, they began coordinating with YMCA members, informing them about my situation with Socure. Within one week, one of Austin Hill's Facebook friends reached out to me, mentioning a potential collaboration with someone they knew, namely Austin Hill. As I stated, I've never met Mr. Hill nor had any connection with people he knew outside of Mr. Nelson. When I encountered Mr. Hill during the following open gym session, he acted as though nothing had transpired, and I played along. Additionally, Austin requested certain documents from me for his business, but I never fulfilled his request. To confirm my suspicions that Austin was attempting to set me up, I orchestrated an event by telling him, "Yeah, man, girls don't care if you have a ring on. They will approach you. Come to this bar tonight." Upon my arrival at the bar a few minutes later, a woman wearing a wedding band tried to get my attention. However, I sensed that it was a staged occurrence. When Andre Nelson and Austin Hill arrived, they infiltrated the group of members, instructing them to provoke me during the basketball game while secretly recording my reactions. At one point, a member named Justin threw a water bottle, and the situation escalated.

Bedford-Stuyvesant YMCA member, Trevor - Staged information gathering:
Trevor started asking and mentioning multiple work-related questions. On October 7, 2023, he mentioned having a quarterly review and asked for suggestions. Within weeks later, Trevor asked me if I knew any lawyers as he was dealing with a housemaid who was suing him. This same situation happened with more than two other members (Stephin Roberts, Kadeem Kirsten) in which they asked me attorney-related questions. I believe he was instructed to record our conversations.
Bedford-Stuyvesant YMCA member, Torrell Taylor:
As previously mentioned, I believe that the YMCA's Director is monitoring my interactions with other gym members in order to collaborate with them. Their objective is to falsely claim that "Lou is influencing people to document incidents," all with the intention of tarnishing my reputation. Additionally, Socure allegedly requested Torrell to open a restaurant in downtown Brooklyn as part of their scheme to build a case against me. YMCA member Justin repeatedly approached me, informing me that Torrell had opened a restaurant with poor-quality food and suggested I visit. Upon receiving this information from Torrell himself, I decided to pay the restaurant a visit. However, Torrell was not present during my first visit. I attempted a second visit, only to discover that the restaurant was closed. When I texted Torrell to inquire about the closure, he responded that there had been an issue with the owner's licensing. It is apparent to me that this was a staged event orchestrated by Socure to fabricate a case against me by falsely claiming that I reported violations against Torrell's restaurant. As mentioned earlier, I strongly believe that my phone was being tracked, and it is possible that a separate line was used to make false reports under my information.
Furthermore, my emails were also subjected to hacking.

Wireless Earbuds Planned at the Bedford-Stuyvesant YMCA open gym by Kadeem Kirsten - early 2022:
To ensure my privacy and personal space during the YMCA open gym sessions, I started choosing a spot away from others. I made sure to thoroughly clean the area where I sat, removing any bottles, wipes, or other items. After finishing my workout, I briefly went to the bathroom, and upon my return, I noticed a wireless earbud near the window close to my chair. I suspect that Khadim Kirsten intentionally placed the earbud there as he kept watching me closely. Mr. Kirsten also asked me for legal advice as well as a UX Designer, the same exact topic that Gavin Tseng asked me. Mr. Kirsten is one of those new members who never came to the YMCA. Upon rejecting Socure's settlement offer in January 2023, that's when all of these new members started coming to open basketball nights.

Mosque Khalifa on Bedford Ave: Sept 2, 2022, at 120 Madison St, Brooklyn, NY, United States, New York:
During the service at Mosque Khalifa on Bedford Ave, the preacher persistently addressed a specific topic related to my case. He made references to "a brother within this community, one of our own, who made a recording" in an apparent attempt to divert attention to the tape I had recorded. Following my complaint to the EEOC through email, the recording was promptly deleted on the same day, which I later submitted to the EEOC. I started attending Islamic Mission of America/Dawood Mosque at 143 State St, Brooklyn, NY 11201, and immediately, I was followed by an individual who repeatedly tried to have a conversation with me. I was also followed to a Mosque in Harlem, NY.

T-Mobile Visit Tracking / Unauthorized new number added at 574 Atlantic Ave, Brooklyn, NY 11217:
Concerned about the security of my internet connection with Verizon, I visited T-Mobile to add a new line specifically for internet access. To my surprise, shortly after arriving at the store, a male approached the same register I was standing at and started asking questions. A few days after leaving the store, I discovered that a new phone line had been added to my T-Mobile account without my knowledge or consent. I promptly contacted T-Mobile customer service to inquire about the data usage associated with that particular number, but unfortunately, I did not receive the requested information. I believe Socure hacked my home network, such as my laptop, tablet, Television and home camera. For the past year and a half, Socure has managed to view all of my browsing history. I believe they kept contacting lawyers that I reached out to after every visit I made on their website to avoid me from being represented. In additional, after noticing that my email accounts were hacked, I wrote a statement indicating that my emails were hacked in which I got notarized at TD Bank.


Grocery Shopping Brooklyn:
During my visit to the local supermarket, I noticed several individuals following me closely, paying particular attention to the food items I was selecting and the card I used for payment. I believe I was being followed long before I started to notice.
* May 8, 2023, at 1420 Fulton St, Brooklyn, NY 11216
* May 1, 2023, at 1420 Fulton St, Brooklyn, NY 11216

Online Job Targeting:
I have been repeatedly targeted for specific jobs and companies, which I believe are staged by Socure, just as they did by involving me in a company backed by their investors to stage multiple events against me while interfering with my employment. I was lured into Plural, formerly known as Civic Eagle, where multiple African American candidates who did not qualify were being hired without my knowledge. All whom I’ve never spoke with. I suspect that Socure somehow gained access to my T-Mobile account and requested my entire call history to monitor my communications. Furthermore, I believe that when I sought legal counsel after receiving the EEOC's authorization to file a lawsuit, Socure clandestinely intervened in my calls to every law firm I contacted.

Puerto Rico Vacation on Dec 23, 2022:
Upon our arrival at our room in Puerto Rico, we noticed a black male who entered a room adjacent to ours shortly after us. However, after a couple of days, we did not see him again.
During a visit to a restaurant in Puerto Rico, I recognized the hostess as the same woman I had encountered multiple times at the YMCA. She had her head covered with a white scarf. As I was seated facing the entrance, she deliberately made eye contact with me, seemingly aware that I recognized her. After finishing lunch, this same woman followed us to the waterfront and watched us closely.

Neighbor Tracking Movement at 322 Gates Ave, Brooklyn, NY 11216:
Every time I left my building, I noticed a consistent pattern where the neighbor from 5F would coincidentally head towards the elevator, wait in the lobby, and enter the building exactly at the same time. This behavior raised suspicions and led me to believe that individuals from 5A were strategically positioned next door, potentially tapping our walls to eavesdrop on our conversations. The neighbor in 5A, whom I knew through the YMCA, repeatedly complained about the building while urging me to submit a work order. I also suspect that Socure assisted one of my former neighbors, Serdar Cam, in moving into the building after they discovered my text messages about potentially moving there. Immediately after moving in, Serdar started complaining as well. I believe Socure was involved in placing a previous female tenant in the building, who also complained to me on multiple occasions about the building.

Uber License Training:
Once again, Socure monitored the location of my phone and deployed individuals to the classroom where I was attending classes in Long Island City in early March 2023. After completing the classes, I became too afraid of potentially facing false rider allegations.

New Open Gym Invitation by Bedford-Stuyvesant YMCA member Ethan, Andre Nelson was present on March 2, 2023, at 300 Adelphi, Brooklyn, NY 11205:
Ethan, a fellow YMCA member, invited me to join him at a nearby gym. To my surprise, Andre Nelson was also in attendance. While playing on the court, I noticed one of the players guarding me had a conspicuous microphone attached to them, and an Asian woman diligently captured footage from different angles with a video camera. I believe they were recording my voice and actions on the court. Additionally, it seems that after complaining about what happened at the YMCA, members are being instructed to engage me outside the YMCA to diffuse the situation. This incident further raised my suspicion that our apartment might be under surveillance, as I had previously mentioned Andre Nelson's presence at the open gym to my wife. Moreover, during the open run, I noticed the unexpected presence of multiple YMCA members from the Downtown Brooklyn location, whom I hadn't encountered in the past four years. I firmly believe that Andre Nelson orchestrated their participation and that they were strategically placed as collaborators by Socure.

New Gym Invites
After fully understanding that I knew about all of the plans in place at the YMCA, with the help of the YMCA Director, Sonia Atherly, multiple members were told to invite me to other gyms to built a campaign of “ this is Lou everywhere he goes”. Over six plus individuals were asked to invite me to new open gyms and men’s league to play in. This is all to avoid further problems at the gym.

Real Estate / Startup Venture Inquiry by Gavin Tseng:
Due to ongoing targeting, I decided to distance myself from everyone for months. However, my friend Gavin Tseng, whom I knew while living in Downtown Brooklyn, repeatedly invited me to his upstate home and wanted me to see properties he was interested in purchasing. It was quite unusual that Mr. Tseng would frequently text me, asking about my availability on specific days. I suspect that Mr. Tseng was recording our conversations during the trips and multiple phone calls, where he sought my help with UX Designing for his apartment rental car service. I believe Socure conducted research on my past work history, including my involvement in a Delegate campaign in Maryland for a real estate professional. I suspect that Socure fabricated false accusations against this individual and used my information to create misleading claims, leveraging my network and devices.

Subways / Stores Staged Evidence Building:
Regardless of the subway station I find myself in, I consistently experience being followed by random individuals who are instructed to approach me closely while holding their cellphones up to my face and posing questions. On multiple occasions, I recall three females approaching me seeking guidance regarding subway directions, and I willingly offered my assistance. However, I have recently become aware that individuals, including camera operators, have been capturing these interactions on film as part of what appears to be a deliberate campaign to discredit me.

March 28, 2023 - Travel to Milwaukee:
While traveling to Milwaukee for a getaway from my wife after several disputes, I noticed that I was being followed at the airport. The surveillance continued throughout my stay at the Airbnb located at 1028 East Juneau Avenue, Unit 416, Milwaukee, WI 53202, from March 28, 2023, to April 11, 2023. I also experienced being followed at the Hertz car rental at 804 Vel R. Phillips Ave, Milwaukee, WI 53203, on April 6, 2023, and at the Pleasant Prairie Premium Outlet at 11211 120th Ave, Pleasant Prairie, WI 53158, on the same day.

April 12, 2023 - Returning back from Milwaukee:
Immediately after arriving back in New York City from my two-week vacation, at around 3:45 pm ET, just two minutes after landing, I received a text message from a YMCA member whom I hadn't communicated with in over three weeks. The message mentioned something along the lines of "See you tonight," which I promptly deleted. This unmistakable occurrence served as a clear indication that my phone was under surveillance and being tracked.

April 21, 2023 & May 7, 2023 - Vitamin Shoppe at 12 4th Ave, Brooklyn, NY 11217:
As I entered the Vitamin Shoppe in Downtown Brooklyn on Atlantic Ave, I noticed that I was being followed. While at the checkout counter, an African American gentleman positioned himself next to me, seemingly eavesdropping on my account information and the items I was purchasing. I strongly suspect that a similar incident occurred during my previous visit on April 21, 2023, although I was not actively observing at that time.

On May 6, 2023, between 11:30 am - 12:45 pm - JFK AirTrain:
Once again, I became aware that my phone was being tracked. I accompanied my wife to the airport as she was departing for Milwaukee. Upon arriving at the station, an assertive African American woman in her late 30s hurriedly approached us, despite the presence of multiple station operators. She aggressively stopped us and began asking for directions. Sensing something amiss, I promptly distanced myself from the situation while my wife attempted to assist her with the directions.

Friday, May 11, 2023 at Costco Eyewear at 517 E 117th St, New York, NY 10035: While I was sharing my information, a woman in her late 50s approached the counter and closely observed my personal details. I have come to believe that Socure has someone at Chase informing them of my location whenever I use my Chase bank card. The day before, I made purchases with my Chase card at Costco.

Friday, May 11, 2023 at Costco at 517 E 117th St, New York, NY 10035: While conversing with a product representative at Costco, a young female employee in her late teens or early twenties approached with an older Senegalese gentleman in his late 60s. The gentleman sought assistance with a product due to his limited English proficiency. As he showed me his phone up close, I noticed someone recording our interaction from a distance. Once again, I felt as though I was being followed. It seems that a private investigator was aware of my recent purchase of fish oil at Vitamin Shoppe on May 7, 2023, as well as my pursuit of becoming a personal trainer. They orchestrated the scenario with the gentleman asking me specific questions about fish oil. It's worth noting that the material I was studying for personal training explicitly states that trainers should not recommend any medication to individuals.

Saturday, May 13, 2023, at Hoyt Station in Brooklyn: Once more, I found myself being followed into the train station. While I was waiting there, a woman approached me once again, seeking directions. Without hesitation, I gestured towards someone else nearby and firmly replied, "No, ask her." Interestingly, there was a man across the platform holding two cameras, capturing the entire interaction between us. Following the unsuccessful attempt, the woman conversed with the man briefly before they both boarded the train.
Saturday, May 13, 2023, at Bedford and Quincy in Brooklyn: As I neared my apartment building, I noticed two cameramen once again attempting to record me. Sensing their presence and their intention to cross the street, I quickly changed course and crossed over to the other side, putting some distance between us.

Saturday, May 13, 2023 - TD Bank at 957 Marcy Ave, Brooklyn, NY 11216: While I was withdrawing cash from the ATM, a white male in his late 20s, accompanied by a dog, was recording me from outside. I also believe Socure did some digging into all of my transactions at my local banks, such as Chase and TD Bank.

Saturday, May 13, 2023 - Credit Card information altered: When I logged into my Discover Credit Card account, I observed that my information had been modified.

Monday, May 14, 2023 - Best Buy Brooklyn at 625 Atlantic Ave Ste A7, Brooklyn, NY 11217: Upon reaching the printing department at 12:14 pm ET, I was harassed by an African American woman in her late 60s. I ignored her and left through the opposite side, but she continued to follow me and tried to engage in a conversation.

Tuesday, May 16, 2023, at Target 517 E 117th St Suite 201, New York, NY 10035, at 10:46 am ET: Upon realizing that I was aware of the cover-up occurring, where individuals were tailing me and inquiring with their phones in hand, Socure strategically positioned an African gentleman near the entrance of the targeted bathroom. They had been closely observing my actions. Remarkably, this man was dressed identically to me during the incident that unfolded on Friday, May 11, 2023

While waiting in line, I believe a Senegalese couple were instructed to chat about illegal activities intentionally while I was behind them and they absurdly moved to another line.

Tuesday, May 16, 2023 - Cohen’s Fashion Optical at 86 W 125th St, New York, NY 10027: While retrieving my reading glasses from Costco, I discovered that the prescription was stronger than what was indicated in the eye examination. The lenses ended up negatively impacting my vision. I requested to review the physician's notes from the exam, but despite waiting for over 30 minutes, they were unable to provide any documentation as the physician was acting very strange. Instead, they gave me evasive responses, leading me to ultimately leave without a resolution.

May 18, 2023 - Chase Bank at 1380 Fulton St, Brooklyn, NY 11216 @ 12 PM ET: Around 12 PM ET on May 18, 2023, at Chase Bank on Fulton Ave in Brooklyn, I experienced another incident I believe involves Socure. An individual was sent to tail me, and it began at TD Bank where this person approached the teller in an ostentatious manner, loudly expressing their intentions. I suspect this encounter was being recorded in an attempt to frame a robbery on me. It seems that Socure is continuously monitoring my activities, possibly as a diversion from the fact that their former CFO was untrustworthy. Regardless of where I go, I am constantly being followed, with new tactics being devised every time I step outside my home.
I’m writing to put a stop to this targeting and ongoing harassment.
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2023.05.27 18:01 SNIP_MY_DICK I was scammed on the Las Vegas strip, my credit union will not refund me and says I was not scammed

The scammer does not have a working phone number, so they cannot be contacted.
My credit union says that the ONLY check they performed, was to see if my card was physically present. Since it was present, it's not fraud or a scam. Fraud claim rejected.
I tried resolving this over the phone but they seem incapable of doing anything besides re-reading my rejection email. The will not escalate or re-submit the claim despite my frequent requests that they do so.
I tried to show up in person, but they did the same thing as the phone people. Re-read me my rejection email and then told me I had to leave or they'd call the police.
So now that trying to resolve my problem by talking has failed. Can I sue my credit union for failing to refund me for fraud? VISA cards guarantee a refund on fraud. I am being refused this service which they advertise.
It's a claim for $280. Not even THAT much.
I live in Washington state.
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2023.05.27 16:33 OutsideOld2825 ATD Money — Payday Loan in India

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2023.05.27 16:31 Glittering-Log6764 Leave Government job I love for more money? Job security or take the jump to Nonprofit for more money?

Hello Please help me weigh this job offer.
I am 32 and work in management for a big government animal shelter. I am underpaid for what I do (but I am the highest paid in the state) and currently make 47k a year with bump coming in July (They wont tell me how much but the whole city did a study and changing up the salary scale. I co-supervise a staff of 22 and indirectly supervise another 20. Its a stressful job but I am happy and love all my coworkers but I have been struggling with my work life balance the past year. I get lots of sick and vacation days. and its a crappy pension but its there. Been here 6 years. In that time I've been passed up for two promotions and have been told I am too valuable in my role and no one could replace me.
I received a job offer to be the Operations manager for a very small non profit rescue in the same city for 60k a year. They have a staff of around 5 and want to double it. they have been around since the 80s and are finally making a jump and need help building a new animal shelter. ( I have experience with this with my current job) I would go from managing an intake of over 8 thousand animals to 500 and they want me to help them to double and eventually triple that amount in 3 years. However I will be pretty much in charge of every aspect of this shelter. This director has claimed that I will not be working any overtime but I would only have two sick days a year and two weeks vacation. 3% matching 401k.
I have around 20k in credit card debt and 10k in student loans. Just paid off my car. My mortgage is only $500 a month. I am a lieutenant and love the public servant aspect of my current job. turnover is very high as the compassion fatigue is hard on everyone and this industry is generally low paying. I talked to my director about this job and they've jerked me around for years telling me to keep my head down and good things will come my way but I am also pretty content in my current position as I believe in this organization. I am essentially doing assistant director work (85k a year) as the spot has been vacant for the past 5 years yet they are hiring outside. There is another assistant director spot opening in two years and the director told me it would be mine if I keep clean and take the six sigma certification. I am skeptical.
My anxiety is at an all time high. I have always maintained the "do what you love" attitude but I think this is a big bump and I am not respected in my current role. (my employees and community love me though and I feel very fulfilled) If I do not accept this job the only other opportunity for me to get more money is for me to move cities which I do not want to do. I have concerns for this small profit. the position was posted 60-65. I declined the first 60k offer with 65k. The director then said they don't have that budgeted but if I come in and i do a good job then Jan 1st we will review. I asked for that to be included in the job offer letter and she said the board wouldn't let her. I feel a bit brainwashed with my current job that it has become my identity as a person. I have a passion for helping animals and I am sad that I would loose the law enforcement aspect of my job.
I think my favorite part about my current job is that something exciting happens every day. Everything from hit by car animals that need emergency vet care to dealing with gunshot wounds and combative citizens. I investigate people lying when they turn in there only dogs as stray. (50% of stray animals are people just turning in their own animals). I am very good at conflict mitigation but my weakness as always been organization. (Bipolar II and ADHD). I have made this my number one priority and have been getting much better about this. I have also realized that too much is asked for me in my role and have started finding my voice to buck more and say no to my current director. This has made my job much easier and now I don't have the stress of this job I used to have. Both the director and assistant director are barely at work and Me along with 4 other supervisors run the shelter. I am nervous at the thought of being by myself. I have always leaned on the experience of others before giving my input and making the decision. I also know that I am too honest about things and have taken blame for things not really in control because I am the leader. This has been weaponized against me to hold me down I think.
Any guidance would be most appreciated.
-Stressed out shelter worker.
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