Floyd county schools 2022-23 calendar

Gloucester, VA

2013.12.22 09:11 carmenshields Gloucester, VA

News, events, and everything happening in Gloucester, VA.
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2018.12.29 13:40 Two Harbors, Minnesota and the surrounding area

More than just the ancestral home of the 3M Corp and the starting point for Grandma's Marathon.
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2008.12.14 21:23 Local Savannah, GA Stuff

Welcome to Savannah! If you're looking for news, events or discussions about the beautiful city of Savannah, Georgia, you're in the right spot! Whether you're a Savannah native or just passing through, this subreddit is a place for you to post events, questions or comments. Please keep conversations constructive and civil. We're known for our hospitality, after all. If you are visiting or thinking of moving here, please check the pinned post & the sidebar (below) before posting!
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2023.03.21 17:19 ISuckAtMakingUpNames Recap Escambia County School Board meeting from 3/20 concerning banned books

It was a long night. We wrapped up around 1:10 am.
Look who found the share button on the School Board website. The only new info is going to be the voting records on the motions overturning the appeals, but the appeals and motions are available here, http://go.boarddocs.com/fl/escambia/Board.nsf/goto?open&id=CMYQBZ67EF22.
There were a lot of speakers. Some were on topic. Some were not. Some spoke about the law. Some referenced school board policy. Some appealed to a sense of decency. Some railed against indoctrination, woke, and "other acronyms."
In the end, I think people being there and speaking against the bans helped the board decide to keep the challenged books. I only say that because we went from all four challenged books being banned last meeting, 2/21, to all four books being kept this meeting. Even if they were kept at fewer grade levels than I had hoped for.
Drama - approved for middle and high schools
New Kid - approved for middle and high school.
New Kid being pulled from elementary schools stung the most. This book is perfectly suited for those students. I thank School Board Member Patty Hightower for trying to make that happen. I'm disappointed that School Board Member David Williams moved to amend the motion by removing the book from elementary schools. And School Board Member Paul Fetsko for seconding that motion. 
The Bluest Eye - approved for 11th and 12th grade
I'm glad The Bluest Eye was kept at all. But I'm not happy that David Williams only voted to approve it for even those two grades because he was afraid of how his former students would be impacted with its removal, without the same regard for other students, especially with his amendment to New Kid. 
The Nowhere Girls - approved for 11th and 12th grade
Because of the relevance to consent, standing up the bullying, and discussion of sexual assault, this would have been good to keep in grades 9-12. 
If the video gets posted to YouTube, I'll add the link as a comment.
The comments on my last post were great to catch up on when I could. I appreciate that most people kept it civil. And the support was much needed.
I'll be sure to post information concerning the next meeting with more notice. The novel Push will be up for appeal. Looking for Alaska, Black Brother, Black Brother, and Ground Zero could be if the appeals are/were submitted in time.
Thanks for your support and hope to see more people opposed to book bans next meeting. Maybe we can show the School Board that it's a vocal minority seeking these bans.
submitted by ISuckAtMakingUpNames to Pensacola [link] [comments]


2023.03.21 17:09 InternationalWash822 Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?

Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?
The fintech industry has seen one of the most exciting growth trends as it revolutionizes how people access financial services. Right now, there are over 30,000 fintech startups and by the end of 2021, fintech investment reached a total of $210 billion. The fintech sphere is only expected to grow, so I believe it is a very attractive industry for investors and Warren Buffet seems to think so too.
The Oracle of Omaha has been making large investments in multiple fintech companies. In fact, Buffet has invested over $900M (107.1M shares) in the Brazilian company, Nu Holdings, and $907M (30M shares) in ALLY. This is a huge investment even for someone like Buffett. Nu Holdings is actually his 8th largest investment in terms of shares. This raises the question, why has Buffett invested in these other fintech companies, but not in Sofi?
Throughout this post, I’ll be talking about Sofi, ALLY, and Nu Holdings - comparing their pros, cons, and similarities. My goal here is to see if there is room for 3 top dogs in the fintech industry or not.
Why has Buffett purchased a lot of shares of Nu Holdings, specifically?
For starters, the company has grown its customer base to 70.9 million clients in just over a year since going public. Nu Holdings provides credit cards to people who are not eligible to get one through other banks & tries to minimize risk by reducing the eligible benefits that the customer is initially eligible for. As they pay their bills on time, they unlock more benefits & more credit limits.
Another reason is its management. It's no secret that Buffett likes to invest in companies with good management. As he once said, “When we own portions of outstanding businesses with outstanding management, our favorite holding period is forever.”
Nu Holdings has recently hired David Marcus (former president of PayPal & former Meta Board member) on March 6 to be part of its Board of Directors. It’s expected that David will play a crucial role in Nu’s journey going forward.
The rest of the management team brings a lot of experience to the table as well:
  • CEO, David Velez, was a partner at Sequoia capital between January 2011 & March 2013. He also worked for Goldman Sachs, Morgan Stanley, and General Atlantic.
  • CGO, Cristina Junqueira, worked for a Boston Consulting group before founding Nu Holdings in 2013.
  • CFO, Guilherme Lago, worked in Credit Suisse Group AG & Mckinsey as well.
  • CPO, Jagpreet Duggal, worked as a director of product management at Facebook.
So you can see Nu’s management team has significant experience in this sector and under their leadership, Nu Holdings grew its revs from $1.7 billion in 2021 to $4.8 billion in 2022 - a 182.3% increase YoY.
Nu Holdings’ Edge - Brazil’s Unbanked Population
Before Nu Holdings started, over 55 million Brazilians were unbanked. This is because it's notoriously difficult for people who are not wealthy to obtain credit cards in Brazil. In general, it's very difficult to get a credit card in Latin America without being one of the wealthy elites.
By offering credit cards to people who would not be able to obtain one any other way, Nu has captured a large, untapped market. This is the main reason Nu is as successful as it is today.
Compared to SOFI, Nu Holdings has a much larger client base, this is of course due to its operations in Brazil, Mexico, & Columbia which in total have a larger population than the US. Thanks in part to these widespread operations, Forbes listed Nu Holdings as one of the world’s best banks in 2022.
Nu Holdings has a larger client base, more revenues, and is growing at a much faster rate than Sofi. The main reason for this is the fact that Nu Holdings doesn’t have as many competitors as Sofi, especially since they focus on an untapped market in Latin America. With Sofi, they have competitors right, left, and center due to established banks and fintech competitors. Nu Holdings became profitable Q3 2022 - only a year after its inception. After making a net profit of $7.8 million in Q3, it went on to make $58 million the next quarter and is on track to report an EPS of $0.02 & $1.393B in revenues in Q1 2023
Whereas SOFI is still struggling to become profitable and is forecast to make an EPS of $-0.077 & $442.262M in revenue in Q1 2023.

https://preview.redd.it/gkta3om784pa1.png?width=626&format=png&auto=webp&s=4d1bfed341d05e0187966a6da3b3e34c4895cbfd
https://preview.redd.it/eu2am7q684pa1.png?width=622&format=png&auto=webp&s=6b0d5b8ff376c5c0ae86c565cbc715a50d293f28
*Screenshot taken from Future Investing YouTube*
How are Nu Holdings & Sofi similar?
But Nu Holdings & Sofi share one very important thing in common. They both want to be a one stop shop for financial services.
Since Sofi specializes in student loan refinancing, it creates a bond with younger customers who - hopefully - will turn into lifelong customers that use Sofi for all their banking needs. Similarly, Nu Holdings offers credit cards to customers younger than 18 in Brazil - capturing a demographic of young people who will hopefully become lifelong customers.
This means that both companies could continue to grow and expand as their customer base grows older and younger generations adopt their services as well.

https://preview.redd.it/xlub4fg884pa1.jpg?width=500&format=pjpg&auto=webp&s=9d8d039e9347417080f9035758f5cb9435e6dc29
Why has Buffett invested in ALLY?
Having invested $1.7B since 2012 in the industry giant, General Motors, you could say Buffet is an expert on the auto industry. Which helps explain why Buffett took an interest in Ally.
This fintech company offers multiple services but specializes in the auto loan industry since it once was a financing division of GM, originally known as GMAC. After GM sold the rest of its 8.5% stake in Ally for $900M in 2013, Ally has expanded its market by offering mortgages, credit cards, wealth management, & other services.

https://preview.redd.it/y1c473va84pa1.png?width=605&format=png&auto=webp&s=84b47713c9d3fc8551a21260e51fc863cc7d1570
Another reason Buffett is investing in ALLY could be its history of share buybacks. Buffett is a big believer in stock buybacks and has said they can be the best use of corporate capital. ALLY also offers quarterly dividends to shareholders, which is a sign of the company’s fundamental strength.
How does ALLY compare to Sofi?
The main difference is the source of Ally’s revenue. 65.6% of Ally’s total revenue in 2022 came from the auto finance industry, while Sofi’s edge is student loan refinancing. In 2019, Sofi generated 59.7% of its revenue from student loans. But it’s worth noting that it can be quite difficult to qualify for student loan refinancing if you have a bad credit score whereas it’s a bit easier for people to get auto loans.

https://preview.redd.it/q9efotfb84pa1.png?width=615&format=png&auto=webp&s=3dc7776eb6c02cd0e9293b82cb11e14b391cd86b
How are Ally & Sofi similar?
Ally & Sofi both offer commission free stock trading for investors with a high APY as well. Ally’s savings account offers 3.60% APY and Sofi offers 3.75% APY with a direct deposit. This means that with a direct deposit, you’ll earn a higher APY with Sofi, but without one, you’d earn a higher APY with Ally.
Both companies offer multiple services such as mortgage loans, credit cards, insurance, etc. and are online banks with no physical locations. Given their different niches, it makes sense that Ally’s customers tend to be millennials while Sofi’s customers tend to be students or fresh graduates.
Sofi’s Edge
So after going through the pros and cons of all three of these companies, you might be wondering if SOFI has what it takes to gain market share in the growing Fintech industry.
I believe Sofi has an edge over these two competitors when it comes to diversification. The two pictures below show the type of services that Sofi & Ally offer. Sofi is constantly trying to increase its market by opening up different services to attract new customers. To name a few:
  • Sofi Relay: Allows members to link all their existing deposit accounts, investment accounts, & retirement accounts into a single mobile dashboard.
  • Money Vaults: Helps users prioritize saving money. Vaults are used to save money for a certain purchase to be made in the future (Ex. Car or house).
  • Retirement accounts: Traditional, Roth, & SEP IRAs
    • Traditional: Traditional retirement account, withdrawable
    • Roth: Allows you to contribute after-tax dollars, and then withdraw the money tax free in retirement.
    • SEP IRA: A retirement account for someone who’s self-employed.
  • Sofi Protect: Gathers details to get comparisons on insurance providers to find the best rate for you.
  • Sofi Invest:
    • Crypto investing: offers trading for 30 cryptocurrencies with a 1.25% charge per trade.
    • Stock investing: stock and ETF investing commission free.
    • Automated Investing with goal setting, auto rebalancing, & Diversification
  • Loans:
    • Wedding loans: Loans used to purchase an engagement ring, wedding, or honeymoon with a low fixed-rate personal loan from $5k-$100k.
    • Travel Loans: Loan used to travel. Low fixed rate personal loan from $5k to $100k.
    • Law school loans: Loan for Law school students. Competitive rates, exclusive member benefits, & no fees
    • MBA Loans
    • Home Improvement loans
  • Cyber Insurance: Protection from Cyber financial fraud, cyber extortion, identity theft, phishing scams
  • Sofi Insights: Tracks all your money in one place on the mobile app, monitor your credit score, set multiple goals, track your spending.
  • Estate Planning: Partnered with Trust & Will to give members 15% off their trust.
I recently learned that SOFI is even letting its customers get early access to IPOs which could draw more traders to the company’s services. If SOFI underwrites more IPOs, investors like you and me may join its platform just to get in on that action. Personally, I think this is a fantastic service because up till now IPOs have been a very exclusive process.

https://preview.redd.it/0vcs7h5c84pa1.png?width=541&format=png&auto=webp&s=3521404dec4a95cb3ed2212eb32bbee5416a0fd1
Besides diversification, SOFI’s focus on student loan refinancing is also a plus imo. College education is essential in the US and without a college degree, most people can only get so far in their career.
For instance, 53.7% of the US working population in 2021 graduated from college and at least 75% of new jobs require a college degree.
When you factor in the average cost of tuition - which has soared 31.4% from 2010-2020 - and that the average student debt among college graduates is $28,000, SOFI is in a great position to profit from this sector.
Given this inflationary environment & higher interest rates, I think that demand for student loan refinancing will only increase. This is because employers are constantly looking for people with degrees & the number of jobs requiring this are increasing every year. So it's no surprise that CEO Anthony Noto recently said, “We’d expect the demand for that product (student loans) to really go through the roof and be back to normalized levels that we saw in 2019.”
But with the student loan pause in place, SOFI is losing a lot of money. The company stated that it has lost $300M to $400M and is pushing very hard to get a decision passed ending the student loan moratorium. The Supreme Court already heard the oral arguments regarding the case and is expected to give a decision in June.
If things are not resolved by then or the Supreme Court rules against federal student loan forgiveness, then payments are expected to resume by the end of August. This is because payments are expected to start up again, 60 days following the ruling.
Needless to say this would be a huge catalyst for SOFI and I, personally, believe that the Supreme Court will rule in SOFI’s favor. And the flood of refinancing requests that could come in once this limbo ends could give SOFI’s revenues a much-needed push. With this in mind, June will be a make-or-break moment for SOFI.
Now, you might be thinking ‘that’s great and all but what about Buffett’s 8th largest investment by shares? OP is just some dude on the internet, and this is THE Warren Buffett’.

https://preview.redd.it/w3k57vtc84pa1.png?width=288&format=png&auto=webp&s=8e5770fad03ae86cb15bcbe116bc706a512d9364
Well, you wouldn’t be wrong. It's hard to argue against Warren Buffett’s logic and I think NU could be a good investment as well, but compared to SOFI, I think that it presents a lot more risk.
For one thing, Brazil has just gotten out of one of its worst economic crises in history and with a new government taking over there’s a lot of uncertainty. Corruption is very high in Brazil, and banks which provide their services almost exclusively to the rich in Brazil could use their power to turn the government against Nu Holdings if they feel threatened.
Also, giving out credit cards to kids under 18 (even if the card’s benefits are limited) just sounds really risky to me. Given that most people in Brazil are not as financially well off as most US residents, its weaker currency, and struggling economy, Nu Holdings could face the greatest risk of all three companies. But time will tell whether the Brazilian government will make life easier or more difficult for a company like Nu Holdings.
So this means that ALLY, which also focuses on the US market for financial services, is probably SOFI’s greatest competition.
Both companies have a lot in common, but they’ve chosen to specialize in different niches. So let’s break it down:
  • 91.55% of households reported having access to at least one vehicle in 2020, however, the number of registered vehicles declined between 2012-2019 by over 25 million.
  • The average cost of a car in 2021 was $42,258 with an average payment of $563 per month. Today, it costs an average of $48,080 to purchase a new car.
  • Moreover, around 31% of American adults have relied on auto loans to pay for their car in 2022.
  • Rising inflation has caused new vehicle prices to increase 5.8% YoY according to February’s CPI report, although used car prices decreased 13.6% from last year (probably due to overstock).
With ALLY being specialized in the auto industry, its fortunes may take a hit as the US enters a recession since consumers are less likely to purchase new or expensive vehicles when they are monitoring their budgets. New vehicle sales dropped nearly 40% during the 2008 recession and I believe history is likely to repeat itself here if the economy enters a recession.
Regardless of the potential hit to the automotive sector, when you compare auto loans to student loans you quickly see that student loans take the cake.
The market size of the Auto leasing, loans, & sales financing industry is $173.2 billion, while the student loan industry is a massive $1.76 trillion. So Sofi has the upper hand here in terms of the market potential.
With college tuition constantly increasing & students entering college year after year,
SOFI also has stricter requirements for qualifying for personal loans, such as a credit score of 680 and other factors which make their loans comparatively safer since its clients are more thoroughly vetted. This is good because it allows Sofi to minimize the potential risk of a customer not being able to pay back their loan in the future.
Conclusion:
So, in conclusion, I think SOFI is in a fairly safe spot as long as the Supreme Court gives a favorable ruling. Since Nu Holdings operates in Latin America it won’t compete with Sofi for market share. Ally & Sofi also have different specializations, but Ally is a more established FinTech company which could take customers from Sofi. Still, SOFI’s goal is to become a one stop shop for all financial services and it has diversified its services extensively over the years which could give it an edge in this industry.
Personally, I believe SOFI will be able to grow its customer base better than ALLY because it appeals directly to young adults heading into college. If these customers have a good experience, then SOFI can become their go-to financial service provider for the rest of their life.
On this note, the FinTech industry is on track for major growth especially since Covid-19 acted as a catalyst for the industry - leading to wider adoption at a time when contactless payments were becoming essential.
Besides this, the FinTech industry will likely continue to grow just out of sheer practicality. For one thing, Fintech cuts down servicing costs like maintaining physical branches while still providing a very high value service. As more and more transactions move online, the digital revolution continues to work in the industry’s favor and the widespread adoption of smartphones means that our phones will increasingly act as wallets. So, it's not surprising that the use of Fintech companies increased 88% from 2020 to 2021.
So I'm pretty bullish on three of these stocks for the time being at least.
Now for the TA...
$SOFI

https://preview.redd.it/djuk58id84pa1.jpg?width=1600&format=pjpg&auto=webp&s=74f72c6e21506030efc6bbc44374cb04b07096bb
$SOFI has been stuck in a sideways channel since April 2022. The stock has a strong resistance at $7.59 which it tested on its positive Q4 earnings, however SOFI dropped almost 18% to its support at $5.25 due to market uncertainty.
Now trading at $5.20, SOFI is below the 50, 200, and 21 MAs on the daily timeframe. Despite this, I’m expecting a bounce and potential retest of the $7.59 resistance leading up to the Supreme Court decision in June since the RSI oversold at 30.
Right now SOFI is fundamentally oversold IMO. I bought 1k shares here as a starter with a stop loss at the $4.92 support. I’ll be averaging down under the $5.25 support or averaging up depending on the trend. My take profits will be the 200 MA, $6.43 resistance and the $7.59 resistance.

https://preview.redd.it/pakxnr1e84pa1.jpg?width=1458&format=pjpg&auto=webp&s=3fb5c7d97c02030b7ad888463c4c2cf572e973c5
$ALLY:

https://preview.redd.it/8zwd6jme84pa1.jpg?width=1600&format=pjpg&auto=webp&s=af9de5ffc042ca2bfaf546417438edac1e9dc409
ALLY was in a downward channel all of 2022 but it broke out at the start of 2023 - testing the $34 resistance after earnings. Since then the trend has reversed and is now bearish. The stock touched its $21.91 support mostly due to market turmoil rather than fundamentals.
I’m expecting ALLY to break out of this channel like it did at the start of this year when it approached the $34 support. The stock recently tested what was once the upper trendline and bounced off of it which is a bullish sign.
Personally, I think that these banking fears will dissipate now that the government has stepped in - as illustrated by the XLF closing green on Monday. Looking at the daily timeframe, ALLY is oversold with the RSI at 30 so I am expecting a bounce over the next few weeks.
Long-term, I think ALLY will trade in a sideways channel between the $23.80 support and $34 resistance until a strong catalyst is able to break it out.
But for now, I’ll take a swing here with a stoploss at $23 and my take profits at $27.05 and the 50MA.
$NU:

https://preview.redd.it/1x33g57f84pa1.jpg?width=1600&format=pjpg&auto=webp&s=2e1b3757785d4d1a40bd84ea5607052fd7d5c833
Compared to ALLY and SOFI, NU has not dropped as dramatically, which is likely due to its exposure to Latin American markets rather than the US.
The stock is currently trending downwards within the sideways channel. The stock is testing the 200 MA on the daily chart, if it breaks through it I will be going short with the lower trendline as my take profit and the 50 MA as my SL.
submitted by InternationalWash822 to Shortsqueeze [link] [comments]


2023.03.21 16:45 AutoNewspaperAdmin [Local] - Woman killed, 3 students and school van driver injured in Fayette County crash Pgh Post-Gazette

[Local] - Woman killed, 3 students and school van driver injured in Fayette County crash Pgh Post-Gazette submitted by AutoNewspaperAdmin to AutoNewspaper [link] [comments]


2023.03.21 16:16 AutoNewsAdmin [Local] - Woman killed, 3 students and school van driver injured in Fayette County crash

[Local] - Woman killed, 3 students and school van driver injured in Fayette County crash submitted by AutoNewsAdmin to PGHPOSTauto [link] [comments]


2023.03.21 16:00 tersorium 70-year-old writer is glad he was heavily influenced by Walden

Commentary: Life’s Narrative Pays Homage to Thoreau
link to original publication
As I enter my 70s, I realize that in some deeply immersive sense I was captured by Henry David Thoreau.
When I read “Walden” for the first time as a high school student, I understood that Thoreau’s idealizing of isolation in nature was the perfect solution to my incredibly rudimentary social skills, particularly with girls. If I lived in a cabin by myself, I wouldn’t have to socialize much at all.
Fortunately, in college, I developed skills in dealing with women and that led me to a number of rewarding relationships, though spending time in the natural world remained a pervasive and passionate escape.
Thoreau writes in his chapter titled “Solitude”: “I find it wholesome to be alone the greater part of the time. To be in company, even with the best, is soon wearisome and dissipating. I love to be alone. I never found the companion that was as companionable as solitude.”
For the next 20 years I spent as much time as possible in the outdoors, exploring especially the National Parks in the United States and Canada. However, my dream of an isolated cabin never left.
When I finished my doctoral work at 35 and took an assistant professor’s position at Radford University, I now felt financially comfortable to begin my search for land where I could really begin my Thoreauvian quest.
I drove all over Montgomery, Giles, Floyd, Craig and Pulaski, exploring dozens of potential sites, and after years of searching I finally settled on 140 acres in Reese Hollow. I lived in a teepee for parts of an entire year and that convinced me that a cabin would be the perfect next step.
I hired Richard, a carpenter friend, and working as his assistant, in two months my 16-by-20-foot cabin was complete, without running water and with a self-dug outhouse. For most people such a dwelling would have been a nightmare but for me it was living the American Dream.
For the next eight years, I spent most mornings out hiking the Pedlar Hills or fishing the North Fork of the Roanoke River. So many wildflowers came under my inspection, including coltsfoot, spring beauty, bloodroot and wood anemone. Poplars, boxwoods, sugar maples, red and white oaks and many more filled my property. Wood thrushes, scarlet tanagers and white-eyed vireos, among others, sang to me.
Perhaps the most important thing I did was something I think Thoreau would have heartily approved. I put 135 of my 140 acres in a Forever Wild conservation easement. The process was a struggle until a botanist found the federally endangered smooth coneflower on the property.
Toward the end of my stay, I married and my wife and I contracted to have a log home built near the cabin. After a half-dozen years my wife left, but I stayed in the hollow for another seven years, vowing to live there at least till 70. That goal was interrupted by kidney lupus, and at 65 I found myself living in an apartment in Blacksburg. I was still in touch with nature, kayaking the New, hiking the Cascades, following the spring flush of flowers in Wildwood Park, fishing Big Walker, but all traces of my Thoreauvian adventure were gone.
Ben Okri, a Nigerian storyteller, writes: “If we change the stories we live by, quite possibly we change our lives.” I was so lucky to have found my story so early with no need to change anything about it.
Justin Askins is a professor emeritus who taught in the English department at Radford University. He lives in Blacksburg.
submitted by tersorium to thoreau [link] [comments]


2023.03.21 15:45 Powerful-Web4489 Help after severe storms in central kentucky

I'm going to be completely honest, I am overwhelmed and struggling to get through day to day at this point. My father hasn't been able to work for the past months due a shoulder injury resulting in him being scheduled for a complete shoulder replacement, and my mother works for the county school bus garage in order to pay for health insurance, so she doesn't end up bringing much home after the fact. That leaves me, a 20 year old forklift mechanic, to try and support my family. I bought a house and had them move in with me. I pay for the cars, the mortgage, and most of the bills. My father tries his best to do what he can, but it isn't much and it truly isn't his fault, even though he tries blaming himself. I absolutely don't want to ask for much, but after the windstorms that hit most of Kentucky last Friday, we lost a few very large trees and a good portion of our roof. Currently we have tarps covering most of the roof just to get by but insurance will only pay so much. We have a $2000 deductible and a cash value policy for the roof, meaning that the insurance company depreciates the value of our 15 year old roof and pays the difference. That leaves us with a likely close to $5-6000 bill to repair our home.
Me and my father both are volunteer firefighters on our local department and what ever generosity is out there I guarantee we will do our best to pass it on in any way we can. Thank you all so much
https://gofund.me/bd5201d5
submitted by Powerful-Web4489 to gofundme [link] [comments]


2023.03.21 15:44 tikibot2 Lowndes County Schools addresses superintendent use of district's fuel depots

submitted by tikibot2 to TLH [link] [comments]


2023.03.21 15:41 KenKratzKilledHer Emails, Affidavits & Audio - The record confirms Sowinski is a concerned citizen who tried to provide material information to MTSO about two men in possession of Teresa's vehicle in 2005; then to the NY innocence project in 2016; and finally to Kathleen Zellner in 2021, who acted on the info.


A Person Like Sowinski


Now that a federal Judge handed Colborn a devastating denial of his frivolous lawsuit someone better post something about Sowinski or it might seem like we are losing interest in Zellner's filing! I (genuinely) figured it might be worthwhile to review Sowinski's 2016 and 2020 emails, as I've seen some less than accurate arguments pop up from surely well meaning users. Recall Kathleen Zellner first mentioned Sowinski in an ultimately unsuccessful 2021 remand motion. At the time Zellner was not in possession of the Sowinski Audio from 11/6 demonstrating he called MTSO to relay his observations of two men in possession of Teresa's vehicle.

The state, you may recall, was not swayed. In their first ever reply concerning Sowinski they identified his affidavit as "Unsupported by even a suggestion of corroborating evidence." They argued Avery "cannot rely on the word of a person like Sowinski: someone who appeared out of the blue for the first time 15 years after this case began." Now we know those arguments were faulty. Sowinski tried to pass on the information to police in 2005 immediately after he watched the evening news and realized the importance of what he saw. Nothing happened, and audio of his call was suppressed over and over. Eventually, this suppressed audio (or some of it) was finally released by MTSO, which along with the Devon affidavit provides more than enough "corroborating evidence" desired by the state for Sowinski's affidavit.

The Sowinski Emails (2016 & 2020)


Up first, the 1/7/16 email to the NY Innocence Project - 20 days post release of MAM:

Hello. My name is Thomas Sowinski and I delivered newspapers to the Avery residence every day for years. I delivered papers at the time of the Halbach situation. Somewhere between Oct 31st and Nov 5th 2005, not sure which day, I turned down Avery road to deliver their paper when I almost ran into 2 people pushing a dark colored small SUV down the road with absolutely no lights on. It was a dark and I delivered the papers as soon as possible each day so I could get home in time to get my son ready for school and drop him off.
As I passed them, I realized I stumbled upon something that seemed out of place. I spooked both of them tremendously. I drove down the dead end and put the paper in the tube and turned around to come back down the road. I knew I was in a shady situation so I approached them with a good amount of speed to get around them. As I approached the guy pushing from the driver side stopped and tried to stop me in the middle of the road. I went in the ditch and just waved to calm the men into thinking I was oblivious to what was going on. I didn't see who the man was on the passenger side but the young man, maybe 18 or so that tried to stop he was not Brendan Dassey. His build was thin and fit and about 5'9" tall.
Days later after seeing the footage on TV of the RAV4 being found on the property it clicked that it was probably the SUV I had seen that night. I called police and notified them. They didn't seem interested at all and said thanks for the info. Never asked me to fill out a report or even ask for my name or phone number. At the time I just figured they had enough evidence and were not concerned with my information. After seeing the documentary on Netflix I decided that someone other than the Manitowoc County officials needs to hear this. They were pushing in the direction towards the house from the highway. I feel obligated to share this now that I know some of the circumstances involving the way Manitowoc handled the case.

Nothing came of this email and Sowinski went on with his life. Then almost 5 years later, during the holiday season of 2020, Sowinski watched Making a Murderer season 2 and again became frustrated that no one seemed interested in the information he had about the movement of (what he believed to be) Teresa's vehicle. Now believing he knew the identity of the "young man" Sowinski decided to reach out to Kathleen Zellner, who of course was featured in the second season, and has an email for Steven Avery case tips on her website. Sowinski emailed Zellner on Saturday December 26, 2020:

Just finished 2nd season. I lived there at the time. I was a motor route driver that was on the property everyday to deliver newspapers.
A few days before they found the RAV I was delivering papers at about 1-2 a.m. and saw Bobby Dassey and another older man pushing the RAV down the road towards the junkyard. Not lights at all. I almost hit them. They were very spooked. As you know, it's a dead end street. After delivering the paper I had to go right back past them. Dassey stood in the road next to the RAV trying to stop me from getting by. As I approached my headlights were on them 100%. The other guy hid behind a passenger door that was open from pushing the vehicle. I didn't slow down and drove in the ditch to get by, waving as I said "paperboy, gotta go."
Dassey had no shirt on and the other guy had a very scraggly beard and seemed to be in his 60s. I did call police and they said they would contact me, they never did. After season one, I emailed an attorney of Steven's and got no response. I've decided to reach out one more time as this information seems vital especially after what I just watched. I live in XXXXXX now but I lived in Manitowoc for over 20 years.

And with that Zellner began her investigation. Once the suppressed audio came out (and Sowinski's claims further bolstered by the Devon affidavit) the state quickly went from disputing Sowinski's credibility ("You can't rely on a person like Sowinski with no corroborating evidence who just wants the money") to changing or expanding their argument to include: "Who cares if Sowinski saw Bobby pushing the RAV and called police? Even if true, that doesn't mean Bobby killed her!" The state understands Sowinski couldn't have fabricated that withheld 2005 audio or the 2016 email (both of which occurred before any reward was offered) nor could he have convinced his ex to commit perjury for kicks (further demonstrating his observations predate any reward).

Thus, the record demonstrates (via Audio, Emails & Affidavits) Sowinski called MTSO looking to pass on relevant info about Teresa's vehicle being moved or handled in a suspicious manner by two men prior to its discovery. The Sowinski call occurred 11/6/05, which was one day after both Steven and Bobby were identified as suspects. No report was written and no investigation was done. This mishandling of potentially exculpatory information by MTSO in 2005 is eerily similar to the events surrounding the 1995 call fielded by Andrew Colborn. In both cases MTSO received information about a crime connected to Steven Avery and the information was quickly suppressed, likely because MTSO knew the information, both in 1995 and 2005, could not be used to inculpate Steven Avery, so they buried it, lied about it, and now want people to forget how the Sowinski call demonstrates they were ignoring leads that pointed away from Steven Avery and towards a third party ... or parties.

Order the hearing. Justice demands it. We need to know if history repeated itself - if the persistent yet redundant misconduct of the Manitowoc County Sheriff's Department (failing to document or provide audio of calls containing potentially exculpatory info for Steven Avery) once more resulted in Steven Avery having his liberty and autonomy wrongfully stripped from him in the name of Justice for Teresa Halbach.
submitted by KenKratzKilledHer to MakingaMurderer [link] [comments]


2023.03.21 15:40 Beneficial-Cow-2544 Trying to figure out the financials if we rent out home and use HE loan to buy next.

We love our current home but need to move eventually and a relative suggested a home equity loan as a down payment in the next but I need help understanding the financials.
Here are the details:
Current Home (hot area, homes under contract in a week. Love this house and location but schools are not great and sick of shared walls with noisy, rude neighbors)

Future Home (different county/SFH/better schools)

Our finances:

What I am struggling with is the 2nd mortgage payment for the loan. Would we be looking at something like another $1,000 a month in payments for the loan? Cause by then, it doesn't seem worth it. But I am not a math person so I need help figuring out how this would work.
submitted by Beneficial-Cow-2544 to personalfinance [link] [comments]


2023.03.21 15:40 Beneficial-Cow-2544 Trying to figure out the financials if we rent out home and use HE loan to buy next.

We love our current home but need to move eventually and a relative suggested a home equity loan as a down payment in the next but I need help understanding the financials.
Here are the details:
Current Home (hot area, homes under contract in a week. Love this house and location but schools are not great and sick of shared walls with noisy, rude neighbors)

Future Home (different county/SFH/better schools)

Our finances:

What I am struggling with is the 2nd mortgage payment for the loan. Would we be looking at something like another $1,000 a month in payments for the loan? Cause by then, it doesn't seem worth it. But I am not a math person so I need help figuring out how this would work.
submitted by Beneficial-Cow-2544 to realestateinvesting [link] [comments]


2023.03.21 15:38 therealphoodie Every Kansas City Chiefs Playoff Game (Super Bowl Era)

Home:
Season Round Opponent Venue Result Record Win %
1971 Divisional Miami Dolphins Kansas City Municipal Stadium L 24-27 0-1 .000
1991 Wild Card Los Angeles Raiders Arrowhead Stadium W 10-6 1-1 .500
1993 Wild Card Pittsburgh Steelers Arrowhead Stadium W 27-24 2-1 .667
1995 Divisional Indianapolis Colts Arrowhead Stadium L 7-10 2-2 .500
1997 Divisional Denver Broncos Arrowhead Stadium L 10-14 2-3 .400
2003 Divisional Indianapolis Colts Arrowhead Stadium L 31-38 2-4 .333
2010 Wild Card Baltimore Ravens Arrowhead Stadium L 7-30 2-5 .286
2016 Divisional Pittsburgh Steelers Arrowhead Stadium L 16-18 2-6 .250
2017 Wild Card Tennessee Titans Arrowhead Stadium L 21-22 2-7 .222
2018 Divisional Indianapolis Colts Arrowhead Stadium W 31-13 3-7 .300
2018 AFC Championship New England Patriots Arrowhead Stadium L 31-37 3-8 .273
2019 Divisional Houston Texans Arrowhead Stadium W 51-31 4-8 .333
2019 AFC Championship Tennessee Titans Arrowhead Stadium W 35-24 5-8 .385
2020 Divisional Cleveland Browns Arrowhead Stadium W 22-17 6-8 .429
2020 AFC Championship Buffalo Bills Arrowhead Stadium W 38-24 7-8 .467
2021 Wild Card Pittsburgh Steelers GEHA Field at Arrowhead Stadium W 42-21 8-8 .500
2021 Divisional Buffalo Bills GEHA Field at Arrowhead Stadium W 42-36 9-8 .529
2021 AFC Championship Cincinnati Bengals GEHA Field at Arrowhead Stadium L 24-27 9-9 .500
2022 Divisional Jacksonville Jaguars GEHA Field at Arrowhead Stadium W 27-20 10-9 .526
2022 AFC Championship Cincinnati Bengals GEHA Field at Arrowhead Stadium W 23-20 11-9 .550
Away:
Season Round Opponent Venue Result Record Win %
1966 AFL Championship Buffalo Bills War Memorial Stadium W 31-7 1-0 1.000
1968 Divisional Oakland Raiders Oakland-Alameda County Coliseum L 6-41 1-1 .500
1969 Divisional New York Jets Shea Stadium W 13-6 2-1 .667
1969 AFL Championship Oakland Raiders Oakland-Alameda County Coliseum W 17-7 3-1 .750
1986 Wild Card New York Jets Giants Stadium L 15-35 3-2 .600
1990 Wild Card Miami Dolphins Joe Robbie Stadium L 16-17 3-3 .500
1991 Divisional Buffalo Bills Rich Stadium L 14-37 3-4 .429
1992 Wild Card San Diego Chargers Jack Murphy Stadium L 0-17 3-5 .375
1993 Divisional Houston Oilers Houston Astrodome W 28-20 4-5 .444
1993 AFC Championship Buffalo Bills Rich Stadium L 13-30 4-6 .400
1994 Wild Card Miami Dolphins Joe Robbie Stadium L 17-27 4-7 .364
2006 Wild Card Indianapolis Colts RCA Dome L 8-23 4-8 .333
2013 Wild Card Indianapolis Colts Lucas Oil Stadium L 44-45 4-9 .308
2015 Wild Card Houston Texans NRG Stadium W 30-0 5-9 .357
2015 Divisional New England Patriots Gillette Stadium L 20-27 5-10 .333
Super Bowls:
Season (Super Bowl) Opponent Venue Location Result Record Win %
1966 (I) Green Bay Packers Los Angeles Memorial Coliseum Los Angeles, CA L 10-35 0-1 .000
1969 (IV) Minnesota Vikings Tulane Stadium New Orleans, LA W 23-7 1-1 .500
2019 (LIV) San Francisco 49ers Hard Rock Stadium Miami Gardens, FL W 31-20 2-1 .667
2020 (LV) Tampa Bay Buccaneers Raymond James Stadium Tampa, FL L 9-31 2-2 .500
2022 (LVII) Philadelphia Eagles State Farm Stadium Glendale, AZ W 38-35 3-2 .600
Final Tally:
Games Record Win %
Home 11-9 .550
Away 5-10 .333
Super Bowls 3-2 .600
Totals 19-21 .475
submitted by therealphoodie to KansasCityChiefs [link] [comments]


2023.03.21 15:24 LUNASOUTH2020 Researching Forsyth and Guilford County schools

Out little one will be school age. We currently rent in Guilford County. Our rental places our L.O. at Colfax Elementary.
Deciding to move further into Kernersville or to High Point?
Anyone have experience with Forsyth County education? From research all the schools in the area seem great. Hard to really make a choice ha.
Anyone personal insight?
submitted by LUNASOUTH2020 to winstonsalem [link] [comments]


2023.03.21 15:21 No_Competition4897 [HIRING] 12 Jobs in SD Hiring Now!

Company Name Title City
Jimmy John's Sandwich Delivery Drivers - ALL Shifts Available Watertown
Preply Online English Teacher (100% Remote) Aberdeen
Preply Online English Teacher (100% Remote) Brookings
Medical Resource Group Nurse Practitioner And Physician Assistant City Of Rapid City
Building Products Inc. Warehouse Associate City Of Sioux Falls
Yankton School District Business Manager City Of Yankton
Preply Online English Teacher (100% Remote) Codington County
Dakota Wesleyan Director of Kelley Center Mitchell
Dakota Wesleyan Campus Pastor Mitchell
Building Products Inc. Warehouse Associate Sioux Falls
Yankton School District Business Manager Yankton
Wayfair Retail Sales Rep (Work From Home) Aberdeen
Hey guys, here are some recent job openings , feel free to comment here if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by No_Competition4897 to SouthDakotaJobs [link] [comments]


2023.03.21 15:14 thewmatic [For Sale] Most of Collection: More Added! Indie, Emo, Hiphop, Alternative

More Records Added!
♤all prices include shipping ◇Pictures available upon request in chat ♧Willing to make deals on 2+ ; $20 minimum
FREE MYSTERY RECORD STILL INCLUDED IN ANY $75 PURCHASE!
$34 - 112 - Room 112 VG
$21 - 1975 - A Breif Inquiry Into Online Relationships VG+
$25 - 1975 - Notes on the Conditional Form (clear) VG+
$45 - A Wilhelm Scream - Partycrasher (Kaleidoscope) VG+
$50 - A Wilhelm Scream - Ruiner (black/red/gray tri color) VG+
$45 - A Wilhelm Scream - Career Suicide (clear w black and gold splatter) VG+
$32 - Aaliyah - Aaliyah (red and gold galaxy club edition) SEALED
$68 - Aaron West and the Roaring Twenties - We Don't Have Each Other NM
$35 - Aaron West and thr Roaring Twenties - Routine Maintenance (orange) VG+
$45 - Aaron West and the Roaring Twenties - Live from Asbury Park (mustard) SEALED
$20 - Action Bronson - Mr Wonderful NM
$20 - Aesop Rock - Spirit World Field Guide (clear) SEALED
$40 - Aesop Rock - None Shall Pass (2013 2xLP) VG+
$18- AFI - Bodies (black,gray,Silver tri) SEALED
$42 - Against Me! - Transgender Dysphoria Blues (gatefold) VG+
$18 - Against Me! - The Disco Before the Breakdown (red) VG+
$18 - Against Me - Cavalier Eternal (opaque blue) VG+
$90 - Against Me! - Crime as Forgiven By (white /200 2001 press) NM
$24 - Akron/Family - Love is Simple 2xLP VG+
$40 - Alexisonfire - Otherness (Gold Nugget SEALED)
$210 - Alexisonfire - Crisis (2016 2xlp clear w white swirl with bonus clear w white swirl 7" comes with slipcover) VG+
$22 - Alexisonfire/Moneen Switcheroo Split VG+
$33 - Alexisonfire - old crows/young Cardinals SEALED
$50 - Alexisonfire - Otherness (black in cleaorchid in clear DELUXE) SEALED
$21 - AL Green - Greatest Hits NM
$21 - Alien Boy - Don't Know What I Am (pink and lemon) VG+
$21 - Alien Boy - Sleeping Lessons (pink/white mix) VG+
$18 - Allen Stone - Apart (orange) vg+
$35 - Anderson East - Alive in Tennessee VG+
$19 Anna of the north - Dream Girl (blue)
$20 - Antarctigo Vespucci - Love in the time of Email (Maroon) SEALED
$40 - Anthony Green - Beautiful Things SEALED
$85 - Anthony Green - Avalon (black 2008 first press) VG
$30 - Anthony Green - Live at Studio 4 (Gold and green pinwheel) sealed
$60 - The Appleseed Cast - Mare Vitalis (green w blue marble[alt cover] import) VG+
$52 - The Appleseed Cast - Low Level Owl 1 + 2 (teal 3xlp) VG+
$19 - Aretha Franklin - Greatest Hits (2016 reissue) VG+
$55 Arkells - Jackson Square (clear w bone black and oxblood splatter) VG+
$19 - Arlo Parks - Super Sad Generation (white) SEALED
$42 - Armor for Sleep - What to do When you are Dead (2xlp Deluxe green/white galaxy) VG+
$140 - As Tall As Lion - S/T (clear w pink splash) VG+
$25 - As Tall As Lions - Lafcadio (powder blue) SEALED
$24 - Astronautalis - This is Our Science VG+
$24 - Astronautalis - Pomegranate (clear) VG+
$45 - At the Drive In - Vaya (White 10")VG+
$17 - At the Drive In - in-ter-a-li-a (oxblood) VG+
$18 - The Ataris - Anywhere but Here VG+
$28 - Atmosphere - God Loves Ugly (3xLP Club edition white/black marble with zine) SEALED
$17 - Aviator - Loneliness Leaves the Light on For me /500 SEALED
$20 - Autre ne Veut - Anxiety VG+
$40 - Balance and Composure - The Things We Think Were Missing (half black half blue) VG+
$34 - Balance and Composure - Separation (green/orange a side b side) SEALED
$20 - Balance and Composure - Only Boundaries (clear)
$18 - Balance and Composure - Light We Made VG+
$32 - Band of Horses - Cease to Begin VG+
$72 - Band of Horses - Acoustic at the Ryman VG [some sleeve wear]
$30 - Bartees Strange - Live Forever (black with bone and red splatter) VG+
$40 - Bartees Strange - Farm to Table (green/brown/tan tricolor) NM
$30 - Basement - Promise Everything (half blue half baby blue) VG+
$22 - Beach Slang - Broken Thrills VG+
$19 - Bears Den - So that you Kight Hear Me VG+
$26 - Beastie Boys - Paul's Boutique (double gatefold 20th anniversary)
$40 - The Beatles - The Decca Tapes (1979 picture disc unofficial LK 4438) VG+
$20 - Ben Gibbard (Death Cab For Cutie) - Former Lives VG+
$18 - Big Sean - Finally Famous Deluxe Edition NM
$25 - Birdy - Birdy VG
$75 - Black Country, New Road - Ants up there (Bronze Marbled) Sealed
$50 - Black Country, New Road - Ants up there (Blue Marbled) Sealed
$50 - Bleachers - Gone Now (White w red)
$30 - Bleachers - Live at Electric Lady (fruit punch)
$40 - Bleachers - MTV Unplugged SEALED
$25 - Bloom - Thousand Yard Stare (pink)
$65 - Blu and Exile - Below the Heavens (blue marbled) VG+
$18 - Bobby Barnett (Captain We're Sinking) - Little Wounds (clear) VG+
$20 - Bo Burnham - Inside VG+
$20 - Bon Iver - 22, a million VG+
$19 - Bon Iver - Bon Iver gatefold black VG+
$32 - Bon Iver - i,I (ttl Red) VG+
$38 - Boys Night Out - Boys Night Out (half pink half yellow) SEALED
$26 - Braid - Frames and Canvas (blue/silver swirl) VG+
$50 - Brandtson - Send Us a Signal (dark blue) sealed
$19 - Brian Bonz - Misophonia SEALED
$55 - Brian Bonz and the dot hongs - From Sumi to Japan (comes in limited edition embroidered sleeve)
$20 - Brian Fallon - Local Honey (orange)
$21 - Brian Fallon - Sleepwalkers NM
$22 - Bright Eyes - Letting off the Happiness SEALED
$20 - Bright Eyes - There's no beginning to the story VG+
$19 - Brittany Howard - Jamie (starburst) VG+
$30 - Bruce Springsteen - Greatest Hits 2XLP 2018 repress VG+
$20 - Camp Trash - The Long Way, the Slow Way (Swamp green/milky clear) NM
$30 - Camp Trash - The Long Way, The Slow Way (White tour press alt cover) VG+
$16 - Caracara - Summer Megalith (half pink half blue) vg+
$30 - Caroline Kingsbury - Heavens Just a Flight (white) NM
$150 - Cartel - Chroma (ultra clear VG+)
$45 -Cartel - Chroma live (White w red splatter VG+)
$35 - Cassino - Kingprince (White Marble with obistrip NM)
$54 - Cassino - Sounds of Salvation (white /300)
$42 - Cassino - Sounds of Salvation (black /300)
$58 - Cave In - Tides of Tomorrow ( Lime Green VG+ )
$65 - Chance the Rapper - Coloring Book (red/orange OFFICIAL press) VG+
$20 - Charles Bradley - Black Velvet (Purple w black splatter VG+)
$20 - Charles Bradley - Changes VG+
$20 - Charles Bradley - Victim of Love VG+
All 3 Charles Bradley for $50
$17 - Charly Bliss - Young Enough (Blue) VG+
$29 - Charmer - Ivy (cloudy clear w green) Sealed
$60 - Chelsea Cutler - How to Be Human (Coke Bottle Clear) SEALED
$22 - Childish Gambino - Kauai (light blue) NM
$22 - Childish Gambino - Camp (2xlp 180g) VG+
$29 - Choir Boy - Gathering Swans (glow in the dark) VG+
$18 - Chris Farren - Can't Die (baby blue) VG+
$35 - Circa Survive - A Dream About Love (Gold Sealed)
$32 - Circa Survive - A Dream About Love (Green w Splatter) VG+
$55 - Circa Survive - Live Sky Noise (Blue/Orange Split with Blue splatter) VG+
$50 - Circa Survive - Live Sky Noise (red/yellow w black splatter butterfly) VG+
$100 - Circa Survive - Inuit Sessions (Pink) VG+
$86 - Circa Survive - A Dream About Death (Crystal Blue with alt screenprinted numbered cover) NM
$20 - Citizen - Everybody is Going to Heaven (SilveCream/Baby Blue) VG+
$24 - Citizen - Life in Your Glass World (Blue/Green galaxy swirl) sealed
$24 - Citizen - Youth (clear) VG
$34 - Citizen - Youth (green w black smoke) VG+
$31 - Clairo - Immunity VG+
$17 - Claud - Super Monster (Blue) VG+
$28 - Clint Lowery - God Bless the Renegades (red w black) SEALED
$30 - Cloud Nothings - Attack on Memory (10th Anniversary Blue Sky color with 2x7" clear flexi) SEALED
$15 - The Coffis Brothers - In the Cuts VG+
$15 - Cold Moon - Whats the Rush (clear w olive splatter) SEALED
$30 - Coldplay - X&Y (slipcase, light shelf wear) VG
$36 - Cold War Kids - Mine is Yours VG+
$15 - Common - A Beautiful Revolution pt 1 (red smoke) SEALED
$16 - Crossed Keys - Saviors (blue swirl) VG+
$45 - Damien Rice - My Favourite Faded Fantasy (2xlp gatefold) VG+
$40 - Dan Mangan - Nice Nice Very Nice 10th anniversary VG+
$38 - Dance Gavin Dance - Afterburner (Black in yellow w mustard splatter) VG+
$390 - Dance Gavin Dance - Box Set (6xlp all color pics available VG+)
$30 - Dance Gavin Dance - Tree City Sessions (OXBLOOD/BEER) VG Sleeve wear
$25 - Dance Gavin Dance - Tree City Sessions 2 (mint/black/gold) VG+
$25 - Danny Elfman - Nightmare Before Christmas Soundtrack (2xlp purple/yellow) vg+
$18 - Darlingside - Fish Pond Fish
$18 - Dave Chappelle - 8:46 SEALED
$22 - Dave Hause - Kick (clear w black red splatter) SEALED
$18 - Daywave - Crush SEALED
$215 - The Dear Hunter - Act 1 and Act 2 3xlp Clear VG shelf wear
$39 - The Dear Hunter - Act 4 Rebirth in Reprise (oxblood/sea blue haze) VG+
$45 - Death Cab For Cutie - Live 2012 (white w black splatter) SEALED
$60 - Deep Sea Diver - Impossible Weight (test press w one of a kind custom sleeve) NM
$60 - Derek Ted - Better Spirit (test press w one of a kind custom sleeve) NM
$23 - Dermot Kennedy - Doves and Ravens (clear)
$115 - Dermot Kennedy - Without Fear Complete Edition (Blue) VG+
$23 - Dessa - Ides (clear SIGNED) vG+
$22 - Dessa - Sound the Bells SEALED
$20 - Devon Kay and the solutions - Grieving Expectation (clear w light blue dark blue splattet) SEALED
$20 Diet Cig - Swear I'm good at this (blue marbled) VG+
$45 - Dinner Party - Dessert EP (yellow w red splatter) VG+
$22 - Dinner Party - S/T VG+
$27 - The Dip - Delivers VG+ still in shrink
$30 - The Dirty Nil - Fuck Art (Pink) VG+
$30 - The Dirty Nil - Master Volume (red) VG+
$23 - The Distillers - Sing, Sing Death Horse (Doublemint black galaxy) SEALED
$29 - Dogleg - Melee (Black w yellow splatter) NM
$19 - Dryjacket - Lights, Locks and Faucets SEALED
$22 - Doomtree - No Kings NM
$22 - Early Eyes - Look Alive (Blue Seafoam Wave) vg+
$20 - The Early November - Lilac (White & coke bottle green pinwheel) vg+
$200 - The Early November - The Mother, The Mechanic, The Path (oxblood/mustard) VG+
$17 -Eastwood - It Never Gets Easy (green w bone,yellow,white splatter) SEALED
$19 - Empire Empire! (I was a Lonely estate) - You Will Eventually be forgotten VG+
$25 - Fairweather - If they move kill them.. (clear and black marble) Sealed
$20 - Father John Misty - Fear Fun VG+
$26 - The Felix Culpa - Sever Your Roots (2xlp, seam split) VG
$60 - Fear Before - Fear Before (brown black split) NM
$20 - Fences - Lesser Ocean (salmon) vG+
$22 - Fiddlehead - Between the richness (White inside purple) VG+
$20 - FKA Twigs - LP1 VG+
$25 - The Flatliners - Inviting Light (doublemint) VG+
$20 - Fleet Foxes - A Very Lonely Solstice (clear) VG+
$26 - Fleet Foxes - Shore (Crystal Clear) VG+
$100 - Flobots - Fight With Tools (Signed red and blue Cornetto) SEALED
$23 - Fontaines DC - A Heros Death (clear) SEALED
$135 - The Forecast - In the Shadow of Two Gunmen (clear) VG+
$20 - The Format - The EP SEALED
$75 - The Format - Interventions and Lullabies (Silver) VG+
$35 - Foxing - Dealer (clear w red splatter) SEALED
$20 - Foxing - Draw Down the Moon (brown in light blue) NM
$50 - Francis and the Lights - A Modern Promise VG+
$160 - Francis and the Lights - Farewell, Starlite!
$60 - Frank Ocean - Nostalgia, Ultra (bootleg red)
$30 - Frank Turner -England, Keep My Bones 10th Anni (yellow) SEALED
$50 - Free Nationals - S/T (Gold nugget) VG+
$21 - Fuckin Whatever - S/T (yellow w blue splatter)
$24 - Fugees - The Score (clear w smoky white) SEALED
$60 - Further Seems Forever - The Moon Is Down boxset (cloudy white) NM
$20 - Future Islands - The Far Field (white) NM
$145 - Gallant - Ology 2xlp VG+
$24 - Gary Clark Jr - Live VG+
$26 -Gary Clark Jr - This Land SEALED
$ 18 - The Gaslight Anthem - American Slang VG+
$70 - The Gaslight Anthem - Get Hurt (red and white splatter) VG+
$55 - The Gaslight Anthem - The 59 Sound (blue/black mix) VG+
$19 - Gatsbys American Dream - Modern Man (pink/black mix) NM
$20 - Gatsbys American Dream - In the Land of Lost Monsters (cleaglow in the dark split)
$30 - The Get Up Kids - Four Minute Mile (White w blue splatter) NM
$22 - The Get Up Kids - The Guilt Show (Clear w Red Splatter SEALED
$26 - The Get Up Kids - Live @ the Granada Theater (clear and blue swirl) NM
$24 - The Get Up Kids - On a Wire (green and gray swirl) SEALED
$22 - The Get Up Kids - There Are Rules (Blue 2xlp Deluxe w bonus songs) SEALED
$25 - The Get Up Kids - Woodson (1997 black) VG+
$42 Glasvegas - Glasvegas (import, 10th anniversary cover) NM
$20 - The Go Team - The Scene Between VG+
$26 - Gold Necklace - S/T VG+
$20 - Gregor Barnett - Dont Go Throwing Roses in my Grave (clear w black smoke) NM
$45 - Grouplove - Never Trust a Happy Song VG+
$50 - Gulch - Impenetrable Cerebral Fortress (yellow and mint split with orange splatter) NM
$36 - Hail Mary Mallon - Beastiary (Beza Version Picdisc) NM
$60 - Half-Waif - The Caretaker (test press w one of a kind custom sleeve)
$30 - Hanibal Buress - Animal Furnace VG+
$25 - Hazel English - California Dreamin (red flexi) NM
$70 - He Is Legend - I Am Hollywood (yellow) SEALED
$55 - The Head and the Heart- S/T VG+
$28 - Hobo Johnson - The Fall of Hobo Johnson (white) NM
$30 - Homesafe - Nervous Reaction (coke bottle ghostly) VG+
$18 - Homesafe - One (blue) SEALED
$35 - The Horrible Crowes - Elise 10th anni (silver) VG+
$35 - The Hotelier - Goodness VG+
$50 - The Hotelier - Goodness (cerulean and coral) VG+
$22 - Houndmouth - Good For You (yellow and orange swirl) sealed
$55 - Hozier - Nina Cried Power (180g) VG+
$40 - Ace Enders - Dustin off the ol guitar (red/black w white splatter) VG+
$40 - The Internet - Hive Mind VG+
$38 - Iron Chic - You Can't Stay Here (clear w red black gold splatter) VG+
$20 - Ivy Sole - Overgrown (blue/clear w yellow splatter) NM
$26 - J.S. Ondara - Tales of America VG+
$75 - Jaden - ERYS (pink) SEALED
$18 - Jaws - Be Slowly (white) VG+
$110 - Jay-z and Kanye - Watch the Throne (bootleg burgundy marbled) VG+
$29 - The Jealous Sound - A Gentle Reminder (white) SEALED
$75 - John Nolan - Height (random color w one of a kind custom jacket)
$46 - Joy Crookes - skin (clear; import) SEALED
$85 - Joyce Manor - S/T (Coke bottle clear) VG+
$56 - Joyce Manor - 40 Oz to Freedom (lime) NM
$26 - Joyce Manor - S/T (remaster with red cover color mix vinyl) VG+
$130 - The Juliana Theory - Emotion is Dead (red/gold split blue/white split) SEALED
$60 - Just Friends - Hella (reddish bone and black w alt cover screen print) NM
$35 - K Flay - Every Where is Some Where (white) SEALED
$19 - K Flay - Inside Voices/Outside Voices (green) SEALED
$17 Kacy Hill - Simpke Sweet and Smiling (clear and pink splatter) SEALED
$100 - Karen O and the Kids - Where the Wild Things Are VG+ (slight shelf wear)
$20 - Kevin Devine - Put Your Ghost to Rest (blue and white) VG+
$16 - Kate Bush - This Woman's Work 7" VG+
$20 - Kid Canaveral - Faulty Inner Dialogue (yellow) VG+
$25 - Korine - Tear (Clear) NM
$120 - Kurt Travis - Everything is Beautiful (white) VG+
$85 - Kurt Travis - There's a Place I Want to Take You (baby blue) VG+
$22 - Lando Chill - FOR Mark, Your Son (cleared split) VG+
$17 - Lando Chill - The Boy Who Spoke to the Wind (purple w white splatter) VG+
$20 - Latewaves - Hell to Pay ( clear w blue splatter) VG+
$21 - Laura Jane Grace - Stay Alive (lapis blue) NM
$20 - Laura Jane Grace - At War with the Silverfish (clear) SEALED
$32 - Laura Jane Grace and the Devouring Mothers - Bought to Rot VG+
$50 - The Lawrence Arms - Skeleton Coast (Malort) VG+
$35 - Left Behind - No One Goes to Heaven (Kelly green)
$20 - Leon Bridges - Gold Diggers Sound (alt cover) Vg+
$22 - Leon Bridges - Good Thing VG+
$25 - Lilac Queen - If Only (purple/blue smash) VG+
$47 - Lucky Daye - Painted SEALED
$64 - Luke Fiasco - Food and Liquor Series (boxset gold and purple swirl/silver) SEALED
$22 - Lurk - Electro-Shock (clear w blue and white splatter) SEALED
$36 - LVL Up - Space Brothers (green)
$135 - Lydia - Illuminate (seablue) VG+
$23 - Macseal - Super Enthusiast (doublemint green) SEALED
$40 - Macseal - yeah, no I Know (pink w etching) vg+
$50 - Mae - Destination B Sides (Blue) VG+
$22 - Manchester Orchestra - The Million Masks of God (pink shimmer) SEALED
$70 - Manchester Orchestra - Mean Everything to Nothing (180g w cd) VG+ in shrink
$20 - Maps and Atlases - Beware and be Grateful VG+
$48 - Maritime - We the Vehicles (red) VG+
$35 - Marlon Williams - Make Way for Love (blue) VG+
$50 - Mars Volta - Frances the Mute (blue/red bootleg) VG+
$31 - Mat Kerekes - Luna and the wild blue everything (tri color blue/white/light blue) SEALED
$24 - Mat Kerekes - Luna (white/black asidebside) SEALED
$18 - Matt Berninger - Serpentine Prison (Sea blue) SEALED
$46 - The Menzingers - On the Impossible Past (summer sky wave) VG+
$50 - Mercy Union - The Quarry (Limited to One Record store Anniversary release with screened cover (Sealed)
$18 - Middle Distance - BlueShift (white) SEALED
$25 - Miles Davis - Kind of Blue (2018 Europe reissue with white cover) VG+
$30 - Mini Trees - Always in Motion (red scarlet) SEALED
$100 - Moneen - Are We Really Happy with Who we Are Right Now (orange w clear splatter) VG+
$21 - Movielife - This Time Next Year (gold) VG+
$19 - The Movielife - Cities in Search of a Heart (doublemint) SEALED
$27 - The Muppets - The Muppets Christmas Carol (import) VG+
$16 - Mundy's Bay - Lonesome Valley (bone gray marble) SEALED
$17 - Muskets - Violent Paradise SEALED
$35 - My Bloody Valentine - Isnt Anything (bootleg import) VG+
$25 - My Chemical Romance - May Death Never Stop You (jalapeño green) SEALED
$21 - The National - Boxer VG+
$31 - The National - I Am Easy to Find (red, yellow, grey 3xlp) NM
$31 - The National - Sleep Well Beast(blue) NM
$22 - Nnamdi Ogbannaya - Drool (orange cream) VG+
$16 - No Better - It Felt Like Glass (light blue) SEALED
$46 - No Pressure - No Pressure (yellow) SEALED
$42 - Notorious BIG - Life After Death 3xLP VG+
$180 - Noah Gunderson - Family VG+
$22 - No Devotion - Singles 2014 SEALED
$27 - Nothing, Nowhere - Reaper X Ruiner (White w blk splatteblk w white splatter) VG+
$180 - Northstar - Pollyanna VG+
$40 - Oddisee - The Beauty in All VG+
$25 - Oddisee - Rock Creek Park (autumn gold) VG+
$60 - Of Monster and Men - Beneath the Skin (clear) VG+
$18 - Old 97s - Most Messed Up VG+
$46 - Oragami Angel - Gami Gang (half black half white) VG+
$30 - Oso Oso - Basking in the Glow (Pink) VG+
$24 - Owen - The Seaside EP (blue marble) VG+
$43 - POS - Audition 2xLP VG+
$25 - The Pains of Being Pure at Heart - S/T (white w pink yellow splatter) SEALED
$21 - Pale Waves - My Mind Makes Noises (clear 2xlp) NM
$38 - Patton Oswalt - Feelin Kinda Patton VG+
$40 - Paulson - All at Once (Blue splatter) VG+
$20 - Pedro The Lion - Havasu (peach) VG+
$36 - Perma - Fight Fair (half blue/half green) SEALED
$24- Pet Symmetry - Vision (cream) VG+
$20 - Petal - Shame (pink) VG+
$23 - Phoenix - Bankrupt! VG++
$20 - Pianos Become the Teeth - Wait for Love (White) SEALED
$60 - Piebald - All Ears, All Eyes, All the Time (Coke bottle clear) VG+
$18 - PINE - s/t (blue /200) SEALED
$16 - Polar Bear Club - Live at the Montage (red) vg+
$17 - Polar Bear Club - Chasing Hamburg (gold) VG+
$40 Portugal the Man - Americam Ghetto VG+
$90 - Portugal the Man - The Majestic Majesty NM
$65 - Portugal the Man - Censored Colors (2008 black press) VG+
$20 - Portugal the Man - In the Mountain In the Cloud (white) VG+
$44 - Preston School of Industry - All This Sounds Gas VG+
$54 - Prince Daddy and the Hyena - Cosmic Thrill Seekers (half green/half purple) VG+
$30 - Prince Daddy and the Hyena - I Thought You Didn't like Leaving VG+
$45 Prince Daddy and the Hyena - S/T (white w black silver twist) NM
$20 - Proper. - The Great American Novel (pink and evergreen splatter) SEALED
$50 - Pup - Morbid Stuff (half cleahalf white) vg+
$22 - Pup - The Unraveling of Pup the Band (clear w black/yellow/pink splatter) SEALED
$28 - Raquet Club - S/T (Blue/black split) vg+
$40 - Radiohead - in Rainbows (2017 XL press) vg+
$20 - Rage Against the Machine - Rage Against the Machine XX (Pic disc) VG+
$80 - Rainbow Kitten Surprise - RKS! Live from Athens (with slipcase) VG+ one corner ding
$65 - Raury - All We Need VG+
$30 - Ray Lamontagne - God Willin and the Creek Don't Rise VG+
$60 - The Receiving End Of Sirens - The Earth Sings Mi Fa Mi (clear w black and white splatter--- bonus 2003 demos 7") VG+
$20 - Red City Radio - To the Sons and Daughters of Woody Guthrie (blue w black splatter) VG+
$36 - Red City Radio - Paradise (blue with gray pink twist) VG+
$75 - Reggie and the Full Effect - Inside the Dust Sleeve (180g) VG+
$20 Remo Drive - Natural, Everyday Degredation (clear smoke) VG+
$20 - Remo Drive - A Portrait of an Ugly Man (Maroon) VG+
$20 - Restorations - S/T (white w green) VG+
$28 - Restorations - LP2 (white/green/yellow swirl) VG+
$20 - Restorations- LP3 (red/white/yellow/black starburst) vg+
$20 - Restorations - LP5000 (white) VG+
ALL 4 RESTORATIONS FOR $70
$21 - Rex Orange County - Pony (slipcase) VG+
$32 - Rhye - Blood (green marble) VG+
$48 - Rival Schools - United by Fate (white/blue pinwheel) SEALED
$45 - Rival Sons - Before the Fire (orange splatter) VG+
$18 - Rocky Votolato - Hospital Handshakes (black/white/light blue) SEALED
$60 - Rocky Votolato - Suicide Medicine (red/bone) SEALED
$38 - The Routes - Dirty Needles And Pins (dysphoria swirl) VG+
$32 - Rufio - MCMLXXXV (orchid and baby blue swirl) NM
$40 - Rufio - The Comfort of Home (Black and gold) NM
$25 - S.Carey - Break Me Open (yellow and black) NM
$19 - Saintseneca - Pillar of Na
$22 - Saintseneca - Dark Arc
$70 Sam Fender - Seventeen Going Under (white marble import) SEALED
$26 - Saosin - Along the Shadow VG
$62 - Saosin - Translating the Name (teal) SEALED
$80 - Saves the Day - In Reverie (white w black and blue splatter) VG+
$33 - Say Anything/Matt Pryor - Daytrotter no. 23 VG+
$18 - Sevendust - Kill the Flaw (blood red) SEALED
$24 - Shannon and the Clams - year of the spider (Godstone) VG+
$20 - Sharon Jones and the Dap Kings - 100 days, 100 nights VG+
$19 - Sharptooth - Transitional Forms (GOLD Nugget) SEALED
$20 - Signals Midwest - I used to draw 7" (clear) VG+
$54 - Silk Sonic - An Evening with Silk Sonic (Alt Cover) SEALED
$42 - Silversun Pickups - Swoon (lavendeclear split) VG+
$50 - Sincere Engineer - Bless My Psyche (olive green) VG+
$24 - Skatune Network - Ska Goes Emo vol 1 (white w blue orange splatter) VG+
$20 - Skatune Network - Burn the Billboard (violet) SEALED
$18 - Sleater Kinney - S/T (2014 press) VG+
$65 - Sleater Kinney - Dig Me Out (OG 1997 press) VG
$45 - The Smiths - The Queen is Dead (09 US press 180g) SEALED
$70 - The Smiths - Louder Than Bombs (87 US press) VG+
$20 - Snow Patrol - Final Straw SEALED
$42 - Soft Kill - Savior (black /1300)
$55 - Soft Kill - An Open Door (clear w orange white splatter /100) NM
$25 - Soft Kill - Dead Kids RIP City VG+
$34 - Soft Kill - Desd Kids RIP City (yellow) VG+
$20 - Solemn Brigham - South Sinner Street (brown swirl) SEALED
$20 - Son Little - Aloha (Pineapple) VG+
$35 - Soul Blind - Greatest Hits vol 1 (clear w black/violet splatter) VG+
$72 - The Sound of Animals Fighting - The Tiger and the Duke (red) VG+
$24 - Spanish Love Songs - Brave Faces ETC. (cleawhite split w mint splatter) SEALED
$27 - Stay Inside - Viewing (dusk) SEALED
$165 - Stornoway - Beachcomber's Windowsill (import) SEALED
$20 - St Paul and the Broken Bones - The Alien Coast (gold nugget) NM
$120 - Straylight Run - The Needles the Space VG
$75 - Straylight Run - S/T (brown marble) VG
$21 - Straylight Run - Live at the Patchogue Theater SEALED
$23 - The Stokes - Room on Fire VG+
$20 - Sundowner - We Chase the Waves (orange) VG+
$42 - Superheaven - Ours is Chrome (Black into yellow) VG+
$23 - Surfers Blood - Covers (amber w black) VG+
$18 - Swearin - Fall into the Sun (Coke bottle clear) VG+
$18 - Take Offense - Keep an Eye Out (clear w red and yellow splatter) SEALED
$30 - Taking Back Sunday - Tell All Your Friends (Sangria w 10") SEALED
$23 - Taking Back Sunday - Tell All Your Friends (12"black copy) vG+
$50 - Tall Heights - Neptune VG+
$20 - theithey're/there - S/t (seafoam clear) VG+
$20 - theitheyre/there - Analog Weekend VG+
$80 - Third Eye Blind - Out of Vein (Silver import) VG+
$25 - Thrice - To Be Everywhere... ( blue w rainbow splatter) SEALED
$35 - Thrice - Majominor (gold/yellow) SEALED
$49 - Thrice - Beggars (green/blue/yellow striped) VG+ with the 7"sealed
$65 - Thursday - Full Collapse live (white)SEALED
$25 - Tigers Jaw - Studio 4 Acoustic (half blue half white) VG+
$20 - Tillian - Factory Reset (red/green/black) SEALED
$27 - Tokyo Police Club - Forcefield VG+
$23 - Touche Amore - Lament (aqua) vg+
$110 - Turnstile - Glow On (pit turd brown) SEALED
$45 - Turnstile - Pressure to Succeed (2014 black press) VG++
$26 - Tyler the Creator - Flower Boy VG+
$55 - A Wilhelm Scream - Partycrasher (Kaleidoscope /150) VG+
$60 - Beavis and Butthead SNES (blue w yellow splatter) NM
$30 - A Charlie Brown Christmas (clear w red swirl) SEALED
$30 Various - Amerikinda: 20 Years of Dualtone (camo) VG+
$18 - Various- Bridge and Tunnel Soundtrack (random color) VG+
$50 - Various - Chillhop Essentials Winter 2021 (white) SEALED
$40 Various - David Bowie in Jazz - A Jazz Tribute to David Bowie (import) VG+
$28 - Various - Dead Formats vol 1 (red white blue smash w splatter) SEALED
$31 - Various - Disney Ultimate Hits vol 1 +2 (green + blue)
$21 - Various - Encanto SEALED
$28 - Various - Girls vol 2 TV soundtrack VG (shelf wear and corner ding
$22 - Various - Lady Bird Soundtrack VG+
$55 - Various - Lyricist Lounge vol 1 (1998 4XLP) VG+ corner dings
$40 - Various - Magnolia Record Club - NPR Tiny Desk (blue marble) VG+
$52- Various - Magnolia Record Club - Spotify Singles (Ghostly Green Swirl) VG+
$54 - Various - Minnesota Beatle Project Vol 3 (red) VG+
$50 - Various - Minnesota Beatle Project Vol 4 (white) SEALED
$23 - Various - Motown Christmas 1's (red and green) VG+
$100 - Various- O Brother Where art Thou? Soundtrack (Black and white split) VG+
$110 - Various - The Phantom of the Opera Motion Picture Soundtrack (2016 MOV black press) sleeve NM media VG(scratch that doesn't seem to affect play)
$28- Various - Sing 2 Soundtrack VG+
$25 - Various - Coco Soundtrack (Pic disc)NM
$75 - Various - The Very Best Of Black Flavour Club (4xlp) [a lot of 90s hiphop] SEALED
$90 - This Warm December: A Brushfire Holiday vol 1 (Green/Red) VG+
$20 -Various -Troll World Tour Soundtrack (clear white) VG+
$20 - Various - Wish I Was Here Soundtrack VG+
$20 - Various - Soul Pixar Soundtrack SEALED
$25 - Vampire Weekend - Contra VG+
$80 - Vacationer - Gone VG
$18 - The Warriors - Monomyth (black inside clear) SEALED
$50 - Windowspeak - Windowspeak (red) SEALED
$21 - Worst Party Ever - Dartland (red) VG+
$70 - The Wonder Years - No Closer to Heaved (blue/burgundy mix) VG+
$135 - The Wonder Years - The Upsides/Suburbia 10 yr Anniversary Boxset (white) VG+
$46 - Wintersleep - Wintersleep VG+
$42 - Wildcat! Wildcat! - No Moon At All SEALED
$60 - Wild Nothing - Gemini (purple) VG+
$30 - Wild Nothing - Indigo (blue smoke) SEALED
$29 - Wicca Phase Springs Eternal - Secret Boy (Pink) VG+
$24 - The Weakerthans - Reconstruction Site VG+
$25 - Waxahatchee - American Weekend VG+
$22 Waxahatchee - Saint Cloud VG+
$80 - The War on Drugs - A Deeper Understanding (clear) VG+
$30 - Walk the Moon - What If Nothing (purple white swirl) VG+
$35 - Walter Schreifels - An Open Letter to the Scene (Green/white) VG+
$20 - Young Statues - Age Isnt Ours (white/yellow) VG+
$20 - You Blew It! - Abendrot (blue in clear) SEALED
submitted by thewmatic to VinylCollectors [link] [comments]


2023.03.21 15:14 justfleet Can I pay someone to build me a shortcut for my schedule that I can ask Siri specific questions about?

Hey! I was experimenting with different shortcut actions, and I’m struggling to create a shortcut for my school day schedule that I can use with Siri. I am looking to create a shortcut that checks the day of the week, and spits out a response based on that day with different event times for each shortcut. I thought about just using Calendar and creating reoccurring events, but for some reason the Apple Calendar app can’t get specific with event times down to the minute, which is a problem for me. I want to be able to ask Siri, “What time does lunch start?” and the shortcut to be intelligent enough to know what time lunch starts on a Monday, versus the rest of the week. I also want the shortcuts to be able to do the same thing with my different class times as well. If anyone is willing to help me figure it out myself, or make it for me, I would be willing to pay you for your help!
Here is my school schedule if this helps:
(Mondays are a later schedule than the rest of the week)
[Monday] Period 1: 8:42-9:26 Period 2: 9:31-10:15 Period 3: 10:20-11:08 Lunch: 11:08-11:46 Period 4: 11:51-12:38 Period 5: 12:43-1:27 Period 6: 1:32-2:16 Period 7: 2:21-3:05
[Tuesday-Friday] Period 1: 8:00-8:50 Period 2: 8:55-9:45 Period 3: 9:50-10:44 Lunch: 10:44-11:22 Period 4: 11:27-12:20 Period 5: 12:25-1:15 Period 6: 1:20-2:10 Period 7: 2:15-3:05
submitted by justfleet to shortcuts [link] [comments]


2023.03.21 15:10 strozykowski Petition - Change Allegany County School System's Mental Health Attendance Policy

submitted by strozykowski to Cumberland_Maryland [link] [comments]


2023.03.21 14:49 CoolandAverageGuy e

Sir Anthony Absolute (The Rivals) Nick Adams (In Our Time and others) Parson Adams (Joseph Andrews) Frankie Addams (The Member of the Wedding) Anthony Adverse (Anthony Adverse) Captain Ahab (Moby Dick) Albertine (Remembrance of Things Past; or, In Search of Lost Time) Alceste (La Misanthrope) Algernon (The Importance of Being Earnest) Ali Baba (“Ali Baba and the Forty Thieves” from The Thousand and One Nights) Squire Allworthy (Tom Jones) Count Almaviva (The Barber of Seville; The Marriage of Figaro) The Alvings (Ghosts) Amaryllis (“I Care Not for These Ladies”; “Lycidas”) Ananse (African folklore) Pamela Andrews (Pamela) Angelica (Orlando innamorato; Orlando furioso) Harry Angstrom (Rabbit, Run and others) Mr. and Mrs. Antrobus (The Skin of Our Teeth) Aramis (The Three Musketeers) Isabel Archer (The Portrait of a Lady) Enoch Arden (Enoch Arden) The Artful Dodger (Oliver Twist) Gustave von Aschenbach (Death in Venice) Lady Brett Ashley (The Sun Also Rises) Athos (The Three Musketeers) Ayesha (She) Dr. Aziz (A Passage to India) B Baba-Yaga (Russian folklore) Babar (The Story of Babar, the Little Elephant and others) Bilbo Baggins (The Hobbitt; The Lord of the Rings) Frodo Baggins (The Lord of the Rings) Harry Bailly (The Canterbury Tales) David Balfour (Kidnapped) Mr. Barkis (David Copperfield) Jake Barnes (The Sun Also Rises) Lily Bart (The House of Mirth) Yevgeny Bazarov (Fathers and Sons) Adam Bede (Adam Bede) Belial (Paradise Lost) Bennet family (Pride and Prejudice) Bertram family (Mansfield Park) Pierre Bezukhov (War and Peace) Big Brother (Nineteen Eighty-four) Big Daddy (Cat on a Hot Tin Roof) Rupert Birkin (Women in Love) Anthony Blanche (Brideshead Revisited) Leopold Bloom (Ulysses) Molly Bloom (Ulysses) Bluebeard (Tales of Mother Goose) Bobbsey Twins (The Bobbsey Twins series) William Boldwood (Far from the Madding Crowd) Bolkonsky family (War and Peace) James Bond (Casino Royale and others) Boojum (The Hunting of the Snark) The Borrowers (The Borrowers series) Josiah Bounderby (Hard Times) Emma Bovary (Madame Bovary) Sally Bowles (Sally Bowles; Goodbye to Berlin) Lady Augusta Bracknell (The Importance of Being Earnest) Bradamante (Orlando furioso) Matthew Bramble (The Expedition of Humphry Clinker) Colonel Brandon (Sense and Sensibility) Dave Brandstetter (Fadeout and others) Gudrun Brangwen (Women in Love) Ursula Brangwen (Women in Love) Brer Rabbit (African folklore) Brighella (stock character, commedia dell’arte) Hans Brinker (Hans Brinker) Lily Briscoe (To the Lighthouse) Dorothea Brooke (Middlemarch) Father Brown (The Innocence of Father Brown and others) Bruin (Roman de Renart) Tom and Daisy Buchanan (The Great Gatsby) Inspector Bucket (Bleak House) Buendía family (One Hundred Years of Solitude) Mr. Bumble (Oliver Twist) Natty Bumppo (The Leatherstocking Tales) Bunter (Lord Peter Wimsey series) Billy Bunter (“The Making of Harry Wharton” and others) Rhett Butler (Gone with the Wind) C Camille (La Dame aux camélias) Don Camillo (The Little World of Don Camillo and others) Albert Campion (The Crime at Black Dudley and others) Capitano (stock character, commedia dell’arte) Philip Carey (Of Human Bondage) Nick Carraway (The Great Gatsby) Richard Carstone (Bleak House) Nick Carter (“The Old Detective’s Pupil” and others) Sydney Carton (A Tale of Two Cities) Edward Casaubon (Middlemarch) Hans Castorp (The Magic Mountain) Cathbad (Irish legend) Holden Caulfield (The Catcher in the Rye) Olive Chancellor (The Bostonians) Cheshire Cat (Alice’s Adventures in Wonderland) Roger Chillingworth (The Scarlet Letter) Chingachgook (The Leatherstocking Tales) Mr. Chips (Goodbye, Mr. Chips) Anna Christie (Anna Christie) Martin Chuzzlewit (Martin Chuzzlewit) John Claggart (Billy Budd, Foretopman) Angel Clare (Tess of the d’Urbervilles) Claudine (Claudine at School and others) Arthur Clennam (Little Dorrit) Humphry Clinker (The Expedition of Humphry Clinker) Columbine (stock character, commedia dell’arte) Conan the Barbarian (Conan the Conqueror and others) Conlaí (Ulster cycle) David Copperfield (David Copperfield) Richard Cory (“Richard Cory”) Corydon (stock character) Mother Courage (Mother Courage and Her Children) Ichabod Crane (“The Legend of Sleepy Hollow”) Cratchit family (A Christmas Carol) Janie Crawford (Their Eyes Were Watching God) Gerald Crich (Women in Love) Guy Crouchback (Sword of Honour) Robinson Crusoe (Robinson Crusoe) Cú Chulainn (Ulster cycle) Sergeant Cuff (The Moonstone) Cunégonde (Candide) D D’Artagnan (The Three Musketeers) Edmond Dantès (The Count of Monte Cristo) Fitzwilliam Darcy (Pride and Prejudice) Charles Darnay (A Tale of Two Cities) Dashwood family (Sense and Sensibility) Stephen Dedalus (A Portrait of the Artist as a Young Man; Ulysses) Lady Honoria Dedlock (Bleak House) Madame Defarge (A Tale of Two Cities) Deirdre (Ulster cycle) Jean Des Esseintes (Against the Grain) Mr. Dick (David Copperfield) Digenis Akritas (Akritic ballads) Arthur Dimmesdale (The Scarlet Letter) Dick and Nicole Diver (Tender Is the Night) Don Quixote (Don Quixote) Eliza Doolittle (Pygmalion) Lorna Doone (Lorna Doone) Dorothy (The Wonderful Wizard of Oz) Dottore (stock character, commedia dell’arte) Nancy Drew (The Secret of the Old Clock and others) Edwin Drood (The Mystery of Edwin Drood) Bulldog Drummond (Bull-dog Drummond: The Adventures of a Demobilized Officer Who Found Peace Dull and others) Blanche DuBois (A Streetcar Named Desire) The Duchess (Alice’s Adventures in Wonderland) The Duke and the Dauphin (The Adventures of Huckleberry Finn) Dulcinea (Don Quixote) C. Auguste Dupin (“The Murders in the Rue Morgue” and others) E Humphrey Chimpden Earwicker (Finnegans Wake) Eeyore (Winnie-the-Pooh) Elliot family (Persuasion) Lord Emsworth (Something Fresh and others) Enmerkar (Lugalbanda and Enmerkar and others) Henry Esmond (The History of Henry Esmond, Esq.) Till Eulenspiegel (German folklore) Bathsheba Everdene (Far from the Madding Crowd) F Fagin (Oliver Twist) Lord Fauntleroy (Little Lord Fauntleroy) Jude Fawley (Jude the Obscure) Richard Feverel (The Ordeal of Richard Feverel) Fezziwig (A Christmas Carol) Flora Finching (Little Dorrit) Finn (Fenian cycle) Huckleberry Finn (The Adventures of Huckleberry Finn) Jeremiah Flintwinch (Little Dorrit) Phileas Fogg (Around the World in Eighty Days) Forsyte family (The Forsyte Saga) Count Fosco (The Woman in White) Frankenstein (Frankenstein) Ethan Frome (Ethan Frome) Fu Manchu (The Mystery of Dr. Fu-Manchu and others) G Hedda Gabler (Hedda Gabler) Sairey Gamp (Martin Chuzzlewit) Gandalf (The Hobbit; The Lord of the Rings) Eugene Gant (Look Homeward, Angel; Of Time and the River) Joe Gargery (Great Expectations) Jay Gatsby (The Great Gatsby) Gellert (Welsh folklore) Beau Geste (Beau Geste) Gilgamesh (Epic of Gilgamesh) Glass family (Nine Stories, Franny and Zooey, and others) Boris Godunov (Boris Godunov) Golias (stock character, medieval French literature) Gollum (The Hobbit; The Lord of the Rings) Père Goriot (Le Père Goriot) Gradgrind (Hard Times) Eugénie Grandet (Eugénie Grandet) Emmeline Grangerford (The Adventures of Huckleberry Finn) Dorian Gray (The Picture of Dorian Gray) Grendel (Beowulf) Clyde Griffiths (An American Tragedy) Grisette (Mimi Pinson and others) Titus Groan (Titus Groan trilogy) Mrs. Grundy (Speed the Plough) Guermantes family (Remembrance of Things Past; or, In Search of Lost Time) Martin Guerre (Remembrance of Things Past; or, In Search of Lost Time) Guildenstern (Hamlet) H Prince Hal (Henry IV, Part I; Henry V) Mike Hammer (I, the Jury and others) Hardy Boys (The Hardy Boys series) Jonathan Harker (Dracula) Harlequin (stock character, commedia dell’arte) Clarissa Harlowe (Clarissa) Miss Havisham (Great Expectations) Jim Hawkins (Treasure Island) Asa and Sabbath Lily Hawks (Wise Blood) Headless horseman (“The Legend of Sleepy Hollow”) Heathcliff (Wuthering Heights) Uriah Heep (David Copperfield) Matt Helm (Death of a Citizen and others) Nora Helmer (A Doll’s House) Michael Henchard (The Mayor of Casterbridge) Herne the Hunter (English folklore) Henry Higgins (Pygmalion) Fanny Hill (Fanny Hill) Roy Hobbs (The Natural) Sherlock Holmes (A Study in Scarlet and numerous other detective stories) Horatio Hornblower (The Happy Return and others) Roderick Hudson (Roderick Hudson) Humbert Humbert (Lolita) Humpty Dumpty (English nursery rhyme) Mr. Hyde (The Strange Case of Dr. Jekyll and Mr. Hyde) I Iago (Othello) Ilya of Murom (Russian folklore) Infant Phenomenon (Nicholas Nickleby) Isolde (Celtic folklore) J Jabberwock (“Jabberwocky”) Mr. Jaggers (Great Expectations) Jarndyce family (Bleak House) Dr. Jekyll (The Strange Case of Dr. Jekyll and Mr. Hyde) Mrs. Jellyby (Bleak House) Jim (The Adventures of Huckleberry Finn) Gulley Jimson (The Horse’s Mouth) Joad family (The Grapes of Wrath) Joseph K. (The Trial) Juliet (Romeo and Juliet) K Karamazov brothers (The Brothers Karamazov) Anna Karenina (Anna Karenina) Katharina (The Taming of the Shrew) Carol Kennicott (Main Street) Diedrich Knickerbocker (A History of New York) George Knightley (Emma) Stanley Kowalski (A Streetcar Named Desire) Tonio Kröger (Tonio Kröger) Mr. Kurtz (Heart of Darkness) L Will Ladislaw (Middlemarch) Lydia Languish (The Rivals) Silas Lapham (The Rise of Silas Lapham) Wolf Larsen (The Sea Wolf) Lazarillo de Tormes (The Life of Lazarillo of Tormes) Lear (King Lear) Simon Legree (Uncle Tom’s Cabin) Lemminkäinen (Finnish folklore) Inspector Lestrade (Sherlock Holmes series) Konstantine Levin (Anna Karenina) Linton family (Wuthering Heights) Little Em’ly (David Copperfield) Little Eva (Uncle Tom’s Cabin) Little Nell (The Old Curiosity Shop) Lochinvar (“Marmion”) Lohengrin (Parzival) Willy Loman (Death of a Salesman) Studs Lonigan (Studs Lonigan trilogy) Lothario (The Fair Penitent) Robert Lovelace (Clarissa) Sut Lovingood ( Sut Lovingood: Yarns Spun by a “Natural Born Durn’d Fool”) Lugalbanda (Lugalbanda and Enmerkar) Lulu (Earth Spirit; Pandora’s Box) Arsène Lupin (Arsène Lupin detective stories) Tertius Lydgate (Middlemarch) Barry Lyndon (Barry Lyndon) M Macbeth (Macbeth) Lady Macbeth (Macbeth) Macheath (The Beggar’s Opera; The Threepenny Opera) Mad Hatter (Alice’s Adventures in Wonderland) Madog ab Owain Gwynedd (Welsh folklore) Maeldúin (Irish folklore) Abel Magwitch (Great Expectations) Jules Maigret (The Case of Peter the Lett and others) Major Major (Catch-22) Malcolm (Macbeth) Alexander and Lucie Manette (A Tale of Two Cities) Marcel (Remembrance of Things Past; or, In Search of Lost Time) March Hare (Alice’s Adventures in Wonderland) March family (Little Women) Augie March (The Adventures of Augie March) Marchmain family (Brideshead Revisited) Jacob Marley (A Christmas Carol) Philip Marlowe (The Big Sleep and others) Miss Marple (Murder at the Vicarage and others) Bertha Mason (Jane Eyre) Perry Mason (The Case of the Velvet Claws and others) Travis McGee (The Deep Blue Good-By and others) Wilhelm Meister (Wilhelm Meister’s Apprenticeship) Oliver Mellors (Lady Chatterly’s Lover) Mr. Merdle (Little Dorrit) Wilkins Micawber (David Copperfield) Daisy Miller (Daisy Miller) Miranda (The Tempest) Walter Mitty (“The Secret Life of Walter Mitty”) Mock Turtle (Alice’s Adventures in Wonderland) Sara Monday (Herself Surprised) Moomintroll (The Moomins and the Great Flood and others) Hank Morgan (A Connecticut Yankee in King Arthur’s Court) Professor Moriarty (Sherlock Holmes series) Catherine Morland (Northanger Abbey) Hazel Motes (Wise Blood) Mr. Moto (No Hero and others) Mowgli (The Jungle Book) Mugridge (The Sea Wolf) Baron Munchausen (The Adventures of Baron Munchausen) Edward Murdstone (David Copperfield) N Captain Nemo (Twenty Thousand Leagues Under the Sea; The Mysterious Island) Nicholas Nickleby (Nicholas Nickleby) O Scarlett O’Hara (Gone with the Wind) Gabriel Oak (Far from the Madding Crowd) Oberon (A Midsummer Night’s Dream) Odette (Remembrance of Things Past; or, In Search of Lost Time) Duke of Omnium (Palliser novels by Anthony Trollope) Eugene Onegin (Eugene Onegin) Ophelia (Hamlet) Orlando (As You Like It) Orlando (Orlando innamorato; Orlando furioso) Gilbert Osmond (The Portrait of a Lady) Othello (Othello) P Palliser family (Palliser novels by Anthony Trollope) Pancks (Little Dorrit) Pangloss (Candide) Pantaloon (stock character, commedia dell’arte) Panurge (Gargantua and Pantagruel and others) Peachum family (The Beggar’s Opera; The Threepenny Opera) Pearl (The Scarlet Letter) Seth Pecksniff (Martin Chuzzlewit) Pedrolino (stock character, commedia dell’arte) Peer Gynt (Peer Gynt) Clara Peggotty (David Copperfield) Peter Pan (Peter Pan) Petruchio (The Taming of the Shrew) Samuel Pickwick (The Pickwick Papers) Piglet (Winnie-the-Pooh) Billy Pilgrim (Slaughterhouse-Five) Pinocchio (“The Adventures of Pinocchio: The Story of a Puppet”) Pip (Great Expectations) Sir Fretful Plagiary (The Critic) Anna Livia Plurabelle (Finnegans Wake) Hercule Poirot (The Mysterious Affair at Styles and others) Ross Poldark (Ross Poldark and others) Aunt Polly (The Adventures of Tom Sawyer) Pollyanna (Pollyanna) Polonius (Hamlet) Pontifex family (The Way of All Flesh) Mary Poppins (Mary Poppins and others) Porthos (The Three Musketeers) Portia (The Merchant of Venice) Harry Potter (Harry Potter and the Sorcerer’s Stone and others) Fanny Price (Mansfield Park) Miss Prism (The Importance of Being Earnest) Prospero (The Tempest) J. 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2023.03.21 14:45 InternationalWash822 Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?

Warren Buffett invested in these Fintech Companies - How does SOFI Measure Up?
The fintech industry has seen one of the most exciting growth trends as it revolutionizes how people access financial services. Right now, there are over 30,000 fintech startups and by the end of 2021, fintech investment reached a total of $210 billion. The fintech sphere is only expected to grow, so I believe it is a very attractive industry for investors and Warren Buffet seems to think so too.
The Oracle of Omaha has been making large investments in multiple fintech companies. In fact, Buffet has invested over $900M (107.1M shares) in the Brazilian company, Nu Holdings, and $907M (30M shares) in ALLY. This is a huge investment even for someone like Buffett. Nu Holdings is actually his 8th largest investment in terms of shares. This raises the question, why has Buffett invested in these other fintech companies, but not in Sofi?
Throughout this post, I’ll be talking about Sofi, ALLY, and Nu Holdings - comparing their pros, cons, and similarities. My goal here is to see if there is room for 3 top dogs in the fintech industry or not.
Why has Buffett purchased a lot of shares of Nu Holdings, specifically?
For starters, the company has grown its customer base to 70.9 million clients in just over a year since going public. Nu Holdings provides credit cards to people who are not eligible to get one through other banks & tries to minimize risk by reducing the eligible benefits that the customer is initially eligible for. As they pay their bills on time, they unlock more benefits & more credit limits.
Another reason is its management. It's no secret that Buffett likes to invest in companies with good management. As he once said, “When we own portions of outstanding businesses with outstanding management, our favorite holding period is forever.”
Nu Holdings has recently hired David Marcus (former president of PayPal & former Meta Board member) on March 6 to be part of its Board of Directors. It’s expected that David will play a crucial role in Nu’s journey going forward.
The rest of the management team brings a lot of experience to the table as well:
  • CEO, David Velez, was a partner at Sequoia capital between January 2011 & March 2013. He also worked for Goldman Sachs, Morgan Stanley, and General Atlantic.
  • CGO, Cristina Junqueira, worked for a Boston Consulting group before founding Nu Holdings in 2013.
  • CFO, Guilherme Lago, worked in Credit Suisse Group AG & Mckinsey as well.
  • CPO, Jagpreet Duggal, worked as a director of product management at Facebook.
So you can see Nu’s management team has significant experience in this sector and under their leadership, Nu Holdings grew its revs from $1.7 billion in 2021 to $4.8 billion in 2022 - a 182.3% increase YoY.
Nu Holdings’ Edge - Brazil’s Unbanked Population
Before Nu Holdings started, over 55 million Brazilians were unbanked. This is because it's notoriously difficult for people who are not wealthy to obtain credit cards in Brazil. In general, it's very difficult to get a credit card in Latin America without being one of the wealthy elites.
By offering credit cards to people who would not be able to obtain one any other way, Nu has captured a large, untapped market. This is the main reason Nu is as successful as it is today.
Compared to SOFI, Nu Holdings has a much larger client base, this is of course due to its operations in Brazil, Mexico, & Columbia which in total have a larger population than the US. Thanks in part to these widespread operations, Forbes listed Nu Holdings as one of the world’s best banks in 2022.
Nu Holdings has a larger client base, more revenues, and is growing at a much faster rate than Sofi. The main reason for this is the fact that Nu Holdings doesn’t have as many competitors as Sofi, especially since they focus on an untapped market in Latin America. With Sofi, they have competitors right, left, and center due to established banks and fintech competitors. Nu Holdings became profitable Q3 2022 - only a year after its inception. After making a net profit of $7.8 million in Q3, it went on to make $58 million the next quarter and is on track to report an EPS of $0.02 & $1.393B in revenues in Q1 2023
Whereas SOFI is still struggling to become profitable and is forecast to make an EPS of $-0.077 & $442.262M in revenue in Q1 2023.
https://preview.redd.it/517fe3t9i2pa1.png?width=626&format=png&auto=webp&s=158aa08fc0e5eb43bc1517777988d21200732ccb

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*Screenshot taken from Future Investing YouTube*
How are Nu Holdings & Sofi similar?
But Nu Holdings & Sofi share one very important thing in common. They both want to be a one stop shop for financial services.
Since Sofi specializes in student loan refinancing, it creates a bond with younger customers who - hopefully - will turn into lifelong customers that use Sofi for all their banking needs. Similarly, Nu Holdings offers credit cards to customers younger than 18 in Brazil - capturing a demographic of young people who will hopefully become lifelong customers.
This means that both companies could continue to grow and expand as their customer base grows older and younger generations adopt their services as well.

https://preview.redd.it/ovc89ptgi2pa1.jpg?width=500&format=pjpg&auto=webp&s=3b00c14bfa93afe32b4fdf2bcea562538e114b2b
Why has Buffett invested in ALLY?
Having invested $1.7B since 2012 in the industry giant, General Motors, you could say Buffet is an expert on the auto industry. Which helps explain why Buffett took an interest in Ally.
This fintech company offers multiple services but specializes in the auto loan industry since it once was a financing division of GM, originally known as GMAC. After GM sold the rest of its 8.5% stake in Ally for $900M in 2013, Ally has expanded its market by offering mortgages, credit cards, wealth management, & other services.

https://preview.redd.it/6liekr1ji2pa1.png?width=605&format=png&auto=webp&s=35371e326a0eef95abca694e301214fc37b2a922
Another reason Buffett is investing in ALLY could be its history of share buybacks. Buffett is a big believer in stock buybacks and has said they can be the best use of corporate capital. ALLY also offers quarterly dividends to shareholders, which is a sign of the company’s fundamental strength.
How does ALLY compare to Sofi?
The main difference is the source of Ally’s revenue. 65.6% of Ally’s total revenue in 2022 came from the auto finance industry, while Sofi’s edge is student loan refinancing. In 2019, Sofi generated 59.7% of its revenue from student loans. But it’s worth noting that it can be quite difficult to qualify for student loan refinancing if you have a bad credit score whereas it’s a bit easier for people to get auto loans.

https://preview.redd.it/wvzss9cli2pa1.png?width=615&format=png&auto=webp&s=c18ca9f460bb243e20b50511b4cfeb75cdb1c707
How are Ally & Sofi similar?
Ally & Sofi both offer commission free stock trading for investors with a high APY as well. Ally’s savings account offers 3.60% APY and Sofi offers 3.75% APY with a direct deposit. This means that with a direct deposit, you’ll earn a higher APY with Sofi, but without one, you’d earn a higher APY with Ally.
Both companies offer multiple services such as mortgage loans, credit cards, insurance, etc. and are online banks with no physical locations. Given their different niches, it makes sense that Ally’s customers tend to be millennials while Sofi’s customers tend to be students or fresh graduates.
Sofi’s Edge
So after going through the pros and cons of all three of these companies, you might be wondering if SOFI has what it takes to gain market share in the growing Fintech industry.
I believe Sofi has an edge over these two competitors when it comes to diversification. The two pictures below show the type of services that Sofi & Ally offer. Sofi is constantly trying to increase its market by opening up different services to attract new customers. To name a few:
  • Sofi Relay: Allows members to link all their existing deposit accounts, investment accounts, & retirement accounts into a single mobile dashboard.
  • Money Vaults: Helps users prioritize saving money. Vaults are used to save money for a certain purchase to be made in the future (Ex. Car or house).
  • Retirement accounts: Traditional, Roth, & SEP IRAs
    • Traditional: Traditional retirement account, withdrawable
    • Roth: Allows you to contribute after-tax dollars, and then withdraw the money tax free in retirement.
    • SEP IRA: A retirement account for someone who’s self-employed.
  • Sofi Protect: Gathers details to get comparisons on insurance providers to find the best rate for you.
  • Sofi Invest:
    • Crypto investing: offers trading for 30 cryptocurrencies with a 1.25% charge per trade.
    • Stock investing: stock and ETF investing commission free.
    • Automated Investing with goal setting, auto rebalancing, & Diversification
  • Loans:
    • Wedding loans: Loans used to purchase an engagement ring, wedding, or honeymoon with a low fixed-rate personal loan from $5k-$100k.
    • Travel Loans: Loan used to travel. Low fixed rate personal loan from $5k to $100k.
    • Law school loans: Loan for Law school students. Competitive rates, exclusive member benefits, & no fees
    • MBA Loans
    • Home Improvement loans
  • Cyber Insurance: Protection from Cyber financial fraud, cyber extortion, identity theft, phishing scams
  • Sofi Insights: Tracks all your money in one place on the mobile app, monitor your credit score, set multiple goals, track your spending.
  • Estate Planning: Partnered with Trust & Will to give members 15% off their trust.
I recently learned that SOFI is even letting its customers get early access to IPOs which could draw more traders to the company’s services. If SOFI underwrites more IPOs, investors like you and me may join its platform just to get in on that action. Personally, I think this is a fantastic service because up till now IPOs have been a very exclusive process.

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Besides diversification, SOFI’s focus on student loan refinancing is also a plus imo. College education is essential in the US and without a college degree, most people can only get so far in their career.
For instance, 53.7% of the US working population in 2021 graduated from college and at least 75% of new jobs require a college degree.
When you factor in the average cost of tuition - which has soared 31.4% from 2010-2020 - and that the average student debt among college graduates is $28,000, SOFI is in a great position to profit from this sector.
Given this inflationary environment & higher interest rates, I think that demand for student loan refinancing will only increase. This is because employers are constantly looking for people with degrees & the number of jobs requiring this are increasing every year. So it's no surprise that CEO Anthony Noto recently said, “We’d expect the demand for that product (student loans) to really go through the roof and be back to normalized levels that we saw in 2019.”
But with the student loan pause in place, SOFI is losing a lot of money. The company stated that it has lost $300M to $400M and is pushing very hard to get a decision passed ending the student loan moratorium. The Supreme Court already heard the oral arguments regarding the case and is expected to give a decision in June.
If things are not resolved by then or the Supreme Court rules against federal student loan forgiveness, then payments are expected to resume by the end of August. This is because payments are expected to start up again, 60 days following the ruling.
Needless to say this would be a huge catalyst for SOFI and I, personally, believe that the Supreme Court will rule in SOFI’s favor. And the flood of refinancing requests that could come in once this limbo ends could give SOFI’s revenues a much-needed push. With this in mind, June will be a make-or-break moment for SOFI.
Now, you might be thinking ‘that’s great and all but what about Buffett’s 8th largest investment by shares? OP is just some dude on the internet, and this is THE Warren Buffett’.

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Well, you wouldn’t be wrong. It's hard to argue against Warren Buffett’s logic and I think NU could be a good investment as well, but compared to SOFI, I think that it presents a lot more risk.
For one thing, Brazil has just gotten out of one of its worst economic crises in history and with a new government taking over there’s a lot of uncertainty. Corruption is very high in Brazil, and banks which provide their services almost exclusively to the rich in Brazil could use their power to turn the government against Nu Holdings if they feel threatened.
Also, giving out credit cards to kids under 18 (even if the card’s benefits are limited) just sounds really risky to me. Given that most people in Brazil are not as financially well off as most US residents, its weaker currency, and struggling economy, Nu Holdings could face the greatest risk of all three companies. But time will tell whether the Brazilian government will make life easier or more difficult for a company like Nu Holdings.
So this means that ALLY, which also focuses on the US market for financial services, is probably SOFI’s greatest competition.
Both companies have a lot in common, but they’ve chosen to specialize in different niches. So let’s break it down:
  • 91.55% of households reported having access to at least one vehicle in 2020, however, the number of registered vehicles declined between 2012-2019 by over 25 million.
  • The average cost of a car in 2021 was $42,258 with an average payment of $563 per month. Today, it costs an average of $48,080 to purchase a new car.
  • Moreover, around 31% of American adults have relied on auto loans to pay for their car in 2022.
  • Rising inflation has caused new vehicle prices to increase 5.8% YoY according to February’s CPI report, although used car prices decreased 13.6% from last year (probably due to overstock).
With ALLY being specialized in the auto industry, its fortunes may take a hit as the US enters a recession since consumers are less likely to purchase new or expensive vehicles when they are monitoring their budgets. New vehicle sales dropped nearly 40% during the 2008 recession and I believe history is likely to repeat itself here if the economy enters a recession.
Regardless of the potential hit to the automotive sector, when you compare auto loans to student loans you quickly see that student loans take the cake.
The market size of the Auto leasing, loans, & sales financing industry is $173.2 billion, while the student loan industry is a massive $1.76 trillion. So Sofi has the upper hand here in terms of the market potential.
With college tuition constantly increasing & students entering college year after year,
SOFI also has stricter requirements for qualifying for personal loans, such as a credit score of 680 and other factors which make their loans comparatively safer since its clients are more thoroughly vetted. This is good because it allows Sofi to minimize the potential risk of a customer not being able to pay back their loan in the future.
Conclusion:
So, in conclusion, I think SOFI is in a fairly safe spot as long as the Supreme Court gives a favorable ruling. Since Nu Holdings operates in Latin America it won’t compete with Sofi for market share. Ally & Sofi also have different specializations, but Ally is a more established FinTech company which could take customers from Sofi. Still, SOFI’s goal is to become a one stop shop for all financial services and it has diversified its services extensively over the years which could give it an edge in this industry.
Personally, I believe SOFI will be able to grow its customer base better than ALLY because it appeals directly to young adults heading into college. If these customers have a good experience, then SOFI can become their go-to financial service provider for the rest of their life.
On this note, the FinTech industry is on track for major growth especially since Covid-19 acted as a catalyst for the industry - leading to wider adoption at a time when contactless payments were becoming essential.
Besides this, the FinTech industry will likely continue to grow just out of sheer practicality. For one thing, Fintech cuts down servicing costs like maintaining physical branches while still providing a very high value service. As more and more transactions move online, the digital revolution continues to work in the industry’s favor and the widespread adoption of smartphones means that our phones will increasingly act as wallets. So, it's not surprising that the use of Fintech companies increased 88% from 2020 to 2021.
So I'm pretty bullish on three of these stocks for the time being at least.
Now for the TA...
$SOFI
https://preview.redd.it/rrr2t6qri3pa1.jpg?width=1600&format=pjpg&auto=webp&s=f75f0cc4ccb5f94ee14743e50a6988cc67079f2d
$SOFI has been stuck in a sideways channel since April 2022. The stock has a strong resistance at $7.59 which it tested on its positive Q4 earnings, however SOFI dropped almost 18% to its support at $5.25 due to market uncertainty.
Now trading at $5.20, SOFI is below the 50, 200, and 21 MAs on the daily timeframe. Despite this, I’m expecting a bounce and potential retest of the $7.59 resistance leading up to the Supreme Court decision in June since the RSI oversold at 30.
Right now SOFI is fundamentally oversold IMO. I bought 1k shares here as a starter with a stop loss at the $4.92 support. I’ll be averaging down under the $5.25 support or averaging up depending on the trend. My take profits will be the 200 MA, $6.43 resistance and the $7.59 resistance.
https://preview.redd.it/5co1e6nvi3pa1.jpg?width=1458&format=pjpg&auto=webp&s=b97304f23081aa807ce1d59ea912bd8895725cbf
$ALLY:
https://preview.redd.it/dsie3d0mj3pa1.jpg?width=1600&format=pjpg&auto=webp&s=9ffa57a2231b5f47f9456edefb900bcaea469f9b
ALLY was in a downward channel all of 2022 but it broke out at the start of 2023 - testing the $34 resistance after earnings. Since then the trend has reversed and is now bearish. The stock touched its $21.91 support mostly due to market turmoil rather than fundamentals.
I’m expecting ALLY to break out of this channel like it did at the start of this year when it approached the $34 support. The stock recently tested what was once the upper trendline and bounced off of it which is a bullish sign.
Personally, I think that these banking fears will dissipate now that the government has stepped in - as illustrated by the XLF closing green on Monday. Looking at the daily timeframe, ALLY is oversold with the RSI at 30 so I am expecting a bounce over the next few weeks.
Long-term, I think ALLY will trade in a sideways channel between the $23.80 support and $34 resistance until a strong catalyst is able to break it out.
But for now, I’ll take a swing here with a stoploss at $23 and my take profits at $27.05 and the 50MA.
$NU:
https://preview.redd.it/79rqip8jj3pa1.jpg?width=1600&format=pjpg&auto=webp&s=13fa8969d4890aa9c704d8b6a2a93f1e96d62335
Compared to ALLY and SOFI, NU has not dropped as dramatically, which is likely due to its exposure to Latin American markets rather than the US.
The stock is currently trending downwards within the sideways channel. The stock is testing the 200 MA on the daily chart, if it breaks through it I will be going short with the lower trendline as my take profit and the 50 MA as my SL.
submitted by InternationalWash822 to pennystocktoday [link] [comments]


2023.03.21 14:44 Forsaken_Fortune3934 [85%] COMPLETE SUMMARY OF THE SUBREDDIT

If anything is out of place or forgotten, please let me know what it is [with link to the post] and in between which points I should exactly put it!
EVENTS:
- Creation
- Grim had a lil too much zaza
- u/clutzyangel wonders if non-Heartslabyul students can attend the parties.
- u/FigExisting9085 is worried about the OB rumors
- Crowley posts an AITA concerning the Ramshackle Prefect
- Party at Diasomnia!!
- Cater posts feet pics [Idia, Malleus, and Leon'a respectively]
- u/FigExisting9085 asks about everyone's UM!
- u/Danganrhombus thinks about transferring out of Heartslabyul [They're in Pomefiore now!!]
- Florence is being stalked by Rook.
- Favorite Teacher Poll! [Crewel won]
- u/Theseriouschicken013 asks about everyone's favorite food!
- He cook-a de pasta [Heartslabyul Hedgehogs]
- Lilia cooks [that's a lot of eggs.]
- Workplace Romance Poll ["Relationships are fine, just be mature about it." won]
- Lilia pic drop!
- J's Crystals advertisement!
- Walter White + Floyd
- Idia touching grass stickbug
- Worst Dorm Poll [Savanaclaw won]
- Most Comfortable Uniform Poll [PE Uniform!]
- Tweels kick out u/tomurabi out of Ramshackle
- Bossman's Guide on How to Ward off the Tweels
- Ace posts an AITA concerning the Tart Incident
- "Floyd is the type of scallywag to purposefully aim his shit so the toilet water gives his asshole the sweet kiss of Poseidon."
- Ven asks help from a Pomefiore Student concerning Desert Bell Flowers.
- Idia gets caught trying to coerce Grim into Ignihyde.
- "Inside you there are two wolves. Wait LMAO that's a cat."
- What if RSA student in NRC subreddit? [Turns out to be true.]
- Floyd rides up to u/fidelgato on a pink scooter bike thing.
- Arrival of the Tsums.
- Leona & King of Beasts similarities.
- Zora gives Hikaru Lilia's cooking.
- Hikaru gets sick.
- Zora posts an AITA concerning that incident.
- Misfortune Poll [Rook won.]
- Crowley is overstepping boundaries acting like a parent when he's not, and Ramshackle Prefect asks what to do about it.
- What is Grim?
- J asks how to make people less scared of their Qeer-Platonic partner.
- A question about Idia Shroud.
- Art Club questions arise.
- "How often do you go to the Lounge?" Poll ["Every now and then, but I like the food!" won.]
- Bossman's origins as a boss begin! [u/Tlali22, u/BlueEyesIsBestCard, u/Syene-, u/forgets-people-exist, u/scribbleknit, and I are hired!!]
- I got stuck up the college.
- Scout helps me down!
- Professor Trein e-mails my mom, and I get sent to Vargas...
- "DAE think the Thorn Fairy kina hot???"
- Sophie joins Reddit [Welcome to Reddit, Sophie!! 🎉🎉]
- u/SarcasticPan01 talks about the lack of accessibility in NRC.
- Hikaru roasts NRC students.
- Scout captures a pic of a sleeping Leona.
- Cater drops Tsum pics with Riddle!!
- I discover how the Seabreeze Moisturizer is made.
- Jade chases me all the way to Diasomnia.
- I hide under Malleus' bed.
- I escape with the help of u/SophieSephy and u/Tlali22.
- Trey joins Reddit [Welcome to Reddit, Trey!! 🎉🎉]
- Map guide to hide from Vargas drops.
- J challenges Leona & Malleus to a battle!
- Scout raises concerns on Vargas' disregard for student's physical conditions.
- LeoMal lose terribly and are in a coma.
- Syene asks for UM Mastering tips!
- Seabreeze Moisturizer ad [GO BUY ONE NOW!!]
- Trey loses Tsum-Trey.
- Tsum-Trey is first found in courtyard.
- Tsum-Trey makes his way to the library.
- Tsum-Trey has been captured!
- Eppy pen.
- Epel wonders how he can get Vil off of his back.
- LeoMal are resting in the infirmary.
- J sets up Tsum Playdate!
- u/K0kichiOuma thinks they might be poisoned.
- Zora and Hikaru pique Jade's interest.
- Best Club Poll [Pop Music Club won.]
- Epel remembers orientation.
- Ven posts rules on how to survive NRC.
- I find Cheka.
- Scarabia party w Cheka!!
- "What is Grim?" Poll [Cat won.]
- SECRET PARTY FOR JAMIL!!!!
- u/NetMonet8305 asks help with their Tsum.
- Ortho needs help getting Idia out of his room.
- Tsum-Trey cooks breakfast!!
- Science Club Field Trip proposal.
- Someone spills coffee in Pomefiore.
- Local Dormmouse stuck in teapot for three days gets freed!
- Scout got sick :((
- Epel wonders what Lilia's weakness is.
- Lilia joins Reddit [Welcome to Reddit, Lilia!! 🎉🎉]
- Tic-tac-Vil
- Bossman accidentally joins Film-Making Club
- Crowley is irresposible; u/fluffybunny359 suffers.
- Science Club Field Trip confirmed!
- Trey loses his phone.
- Rook find Trey's phone [Welcome to Reddit, Rook!! 🎉🎉]
- Lilia offers to feed Scout. It's surprisingly good!
- Epel gets caught for all his Reddit shenanigans.
- Rook finds Tsum-Trey.
- Crowley confiscates Ramshackle Prefect's phone.
- Ortho lends Prefect an Ignihyde computer.
- Floyd acquires flamethrower.
- Tweels arrive in Ignihyde.
- Ignihyde burns down.
- Heartslabyul burns down.
- Ignihyde & Heartslabyul are relocated to Ramshackle & Diasomnia respectively.
- Crowley gave back u/fluffybunny359's phone and promptly goes MIA.
- Pomefiore opens their doors for "those who've been affected by the latest happenings of the day."
- Floyd & Jade are suspended.
- Bossman, because they punched Azul, is forced to work @ Mostro Lounge 😔
- Bossman gets voice lessons from Vil!
- u/Garlickgun loses their tuna.
- Staff & Housewardens do a search on all rooms across campus due to the flamethrower incident.
- Interdorm sleepovers!!
- Ortho has a talk with the Headmage.
- Trey gets his phone back!! Tsum-Trey goes missing?!
- Malleus temporarily loses his 'Gao-Gao Dragon-Kun.'
- Lilia cooks.
- u/K0kichiOuma breaks out of Octavinelle.
- Floyd escapes custody?!
- Floyd join Reddit [Welcome to Reddit, Floyd!! 🎉🎉]
- Floyd finds both gun and flamethrower.
- Floyd goes to Pomefiore to take revenge because Vil didn't like Floyd's hair.
- Sparkly Purple Bastcycle is found in Pomefiore's Apple Orchard.
- Floyd burns down Pomefiore orchards.
- Floyd is subdued with promises of food [a Cuban sandwich, 12 chicken nuggets, 2 milkshakes, and 7 servings of takoyaki.]
- Floyd is apprehended.
- CHC [Crowley Hate Club] is formed!!
- Malleus finds J's phone [Welcome to Reddit, Malleus!! 🎉🎉]
- Crowley slander era.
- Riddle and Trey bake treats! [They were very delicious.]
- HAPPY BIRTHDAY, SEBEK!!
- Ven & I raid the school archives 😎😎
- CROWLEY'S BACK?!?!?!?! [On a later post, it's revealed that he returned from a failed wedding with a ghost lady and that J challenged him to a duel to the death.]
- Replanting Pomefiore Orchards!!
- Cater got a little too silly with unbirthday party prep ✨✨
- Campus Repairs are scheduled!!
- Numerous students spray-paint Crowley's office! [Crowley has yet to make an official appearance outside of the instance in the archives at this time.]
- J gives Jamil their phone for a week [Welcome to Reddit, Jamil!! 🎉🎉]
- Crowley Diary Leak
- BOSSMAN BOB UNLOCKS UM!!! [CONGRATS, BOSSMAN!!! 🎉🎉]
- u/RamshackleMercenary drops phone towers with Epel all over campus using helicopter [How they managed to fit that in the mirrors, we'll never know.]
- It's a Moray~🎶
- People sign up for the Science Club field trip!!
- IDIA GETS KIDNAPPED BY GHOSTS?!
- Ghosts are gone!
- Unbirthday Party in Heartslabyul!!
- First CHC meeting is postponed.
- [ooc: timeline stuff]
- Secrets about the OB's are revealed
- Food 💗💗
- Grim got drip 🥶🥶
- Hikaru in a glass cup!
- Unknown students vandalize the tweels rooms.
- u/K0kichiOuma sends out invites for their show!! [Will take place @ Heartslabyul Unbirthday Party and Ignihyde when dorms are finally rebuilt.]
- Tweels acquire toy car and get revenge.
- Tweels arrive in Ramshackle.
- Vil does Epel's hair!
- Floyd forms a union against Azul's working conditions. [Around half of Lounge staff join.]
- Ramshackle Prefects form yuunion against Crowley's living conditions.
- Ace temporarily loses his vest.
- Epel haircut reveal!!!
- Vil loses his 19th century golden ring with a number of small stones. [Has it been found yet?]
- Someone blew up u/RamshackleMercenary's helicopter.
- Someone tased the tweels.
- The tweels are coming for their assailant.
- Ortho finds cat on Main Street!
- Epel names cat 'Moomoo.'
- Kalim takes pictures of Jamil!!
- Egg.
- Idia & Tian DM's leaked.
- Bonnie joins Reddit!! [Welcome to Reddit, Bonnie!! 🎉🎉]
- I am broke.
- Photography club is formed!!
- Rook says "Bless You" to Cater.
- u/K0kichiOuma does a cool trick!!
- u/fluffybunny359 hangs out with Malleus Draconia.
- Kalim takes pictures of Jamil!!
- Jade & Floyd steal horses from Equestrian Club.
- Mostro Lounge is back in business! [10% discounts if anyone asks for Syene!!]
- u/fluffybunny359 goes on party with Lilia @ the club Sparkling Hall!
- I now work @ the Mostro Lounge!
- Horses are returned! [Riddle & Trey will be staying overnight to make sure Tweels do not strike again.]
- u/RamshackleMercenary sends DM's to someone.
- They do not respond.
- u/RamshackleMercenary is sad and with spear.
- Tsum-Cater steals Cater's phone and takes around 90 selfies!
- Sophie's back from vacay! [Welcome back, Sophie!! 🎉🎉]
- Floyd just bought new shoes for a good deal!
- Jamil takes pictures of himself before Kalim decides to post photos of Jamil!
- Bossman Update! [Bossman's blot is going down, and they train with Leona!] [Welcome back, Bossman!! 🎉🎉]
- Scarabia kitchen almost burns down twice.
- Shawarma at Scarabia, yay!!!
edit: The feet are complete! And added some stuff around the end ;)))
submitted by Forsaken_Fortune3934 to NightRavenCollege [link] [comments]


2023.03.21 14:39 object-overflow Somebody wants the Bible removed from Davis County school libraries KSL.com

Somebody wants the Bible removed from Davis County school libraries KSL.com
I'm surprised it's only Davis County that has received a request for review of the Bible for possible removal. To be clear, I don't think the Bible or any other book should be removed from school libraries. However, since HB374 is the law, it needs to be applied equally to all books. I'm sure the review board will find a totally fair and unbiased reason why the Bible should be exempted from the law while continuing to ban other books with less violence and "pornography."
submitted by object-overflow to Utah [link] [comments]


2023.03.21 14:35 samacora Official Tuesday Free Chat Thread

Good Morning Patriots
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Free place to chat and a good place to discuss whatever you like with other sub users
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Key dates on the 2023 NFL / Patriots calendar.

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New England Patriots News Link Catchup - Patriots already a better team than pre-free agency

submitted by samacora to Patriots [link] [comments]


2023.03.21 14:30 AutoModerator R/Hagerstown Weekly WGOIH Thread March 21, 2023

Please use this thread to Post events, questions, rants, or just general commentary.
Useful Information:
County Commissioner Agendas can be found here:
Washington County BOCC Agenda/Minutes
City of Hagerstown Minutes and Agenda
Washington County Public Schools Board Meetings
WIYNN Local Events
Herald Mail Things to do
submitted by AutoModerator to hagerstown [link] [comments]