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2008.06.28 20:02 Connect-I-Cut

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2014.12.30 06:45 Skunkies List of Gas Prices

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2023.03.21 21:23 throwawaylurker012 Everything Everywhere All At Once: The Citadel Big 3 and how Citadel’s sphere of influence has its fingers stuck not just in the stock market, but the municipal/bond market and sovereign debt/sovereign debt credit default swaps to dangerous degree

Everything Everywhere All At Once: The Citadel Big 3 and how Citadel’s sphere of influence has its fingers stuck not just in the stock market, but the municipal/bond market and sovereign debt/sovereign debt credit default swaps to dangerous degree
TL;DR: Citadel doesn't just have a major outsized influence in the US stock market via its market making firm/hedge fund, but also a major indirect influence via Headlands (biggest municipal bond trading firm made of 3 ex-Citadel employees), and direct influence on sovereign debt (can decide when sovereign credit default swaps pay out) with its seat on the CDDC (Credit Derivatives Determinations Committee).




Hi y’all. Been some while since have been able to post regularly here, so I’m returning alongside my recent post on FHLB with a bit of a “DD". Partial rush job, so all errors are mine and mine alone (obviously)

0. Sphere of Influence


Over the past 84 years (/s), you lovely apes at Superstonk have been able to fish out many of the finer points of corruption crystallized into pure, unadulterated financial terrorism and financial terrorist-level crime undertaken by Steve Cohen (Point 72), Jeff Yass (Susquehanna), Doug Cifu & Vincent Viola (Virtu), as well as Wolverine Trading, Jane Street, TwoSigma, and more. But, of course, much of it has centered on our Mayo-artist-in-residence and his firm, that of none other but Ken Griffin and Citadel.
One of the biggest finds that has come to light has been the complete and utter bullshit of having (1) a hedge fund and (2) owning a market making firm that most DEFINITELY does not use that non-public information to its benefit? I mean, it would be easy for us to check except that we need 5 swipes to even access that level of inner sanctum at Citadel, which–per DLauer’s words–is more than the fucking Pentagon.

But despite Ken Griffin’s reach into every aspect of the most influential stock market in the world, that is not his ONLY level of influence. For we, dear apes, can step back and revisit this idea that Citadel’s power duo (its market making firm and hedge fund) is more like a single part of a Big 3.

1. Meet the Big 3

Citadel’s sphere of influence includes not JUST (1) the stock market business, but directly or indirectly, the (2) U.S. municipal and bond markets, plus (3) the sovereign debt/sovereign debt credit default swap markets.

Yes, you heard that right. Citadel not only has some sufficient level of influence to tank your favorite stock–and, in turn–retirement fund, but can also effectively drive your city into the fucking ground, or even your country.

I’ve written about each of these at length, and wanted to revisit some pieces in the wake of our recent dick twitchings of the coming financial crash.

2. Meet the Municipal Bond Market

Citadel has an indirect grip tickling the taint of the municipal bond market, believe it or not. I first wrote about the municipal bond market here (“Headlands: How ex-Mayo mercenaries copy pasted Citadel’s model in the muni bond market”): https://www.reddit.com/Superstonk/comments/sy6ubj/headlands_how_exmayo_mercenaries_copy_pasted/. For those unfamiliar with municipal bonds, I’ll reiterate what they are and why many push them as a safe investment in most times (with some caution being thrown intermittently due to the collapse of regional banks like FRC and Silicon Valley Bank):

https://preview.redd.it/e8bqxn3wk5pa1.png?width=1326&format=png&auto=webp&s=cc1e3c44bced207ca23105ae48110eb7298441f1

“Municipal bonds (or "munis" for short) help towns/cities raise money for projects like building schools, parks, and fixing highways. Many retail investors--admittedly, on the wealthier side--invest in munis for tax incentives like not paying federal tax on bond returns. In certain cases, certain muni buys also mean no state taxes are paid…Just like what had happened to stocks, the old-school market for buying and selling muni bonds is going electronic. This is mainly done through an ATS, or "alternative trading system" known also as a dark pool. This speeds up the process of buying and selling munis, making it closer to a "house auction".
In the wake of the SVB (Silicon Valley Bank), there have already been rumblings of its effect on the municipal bond market (Bloomberg “Bank Woes Create Bond Bargain in Obscure Corner of Muni Market”):

“Investor concerns over the crises within the financial industry are bleeding into a corner of the $4 trillion municipal-bond market where major investment banks guarantee energy for public utilities….
Spreads have widened on so-called prepaid gas bonds, which government agencies use to purchase long-term supplies of natural gas. Large institutional banks act as facilitators of the transactions, guaranteeing the supply and providing investors tax-exempt exposure to bank credit….

3. San Jose, Revisited



That part about “large institutional banks” acting as facilitators of the transactions is what we saw in part in this post by [redacted].

https://preview.redd.it/5pp1500xi5pa1.png?width=1128&format=png&auto=webp&s=b4f48ce1f6d11fff15d44cc47b2174882e34eb03
A commenter spoke about this, and how it wasn’t Wells Fargo in doo doo but the city of San Jose.

“I believe in theses cases it’s not Wells Fargo that has a problem but the city of San José.

„Because presentments are currently processed automatically at DTC, IPAs have the option to refuse to pay (“RTP”) for maturing MMI Obligations to protect against the possibility that an IPA may not be able to fund settlement because it has not received funds from the relevant issuer. „ -> Wells Fargo didn’t receive the money from San José city.
Wells Fargo acts as an issuing agent for the city - the city transfers assets to the trustee and the trustee securitizes the assets and offers the money market securities to investors. The assets generate money (for example a sports arena that was build) and that money goes through the city of San José to the trustee who is managed by Wells Fargo.

https://preview.redd.it/nc8lbgwsk5pa1.png?width=1280&format=png&auto=webp&s=35e2c386534eb904608db679a9954affe0338c9a
Wells Fargo has no liability or influence on the money that comes from the city and is distributed to the investors. If the money doesn’t come or isn’t sufficient, the assets are sold or liquidated and used to pay investors.
Anyway: Wells Fargo acts on behalf of the city and is not responsible they just handle securitization but don’t have any influence on payments or failure/default.”


In this case, we might be seeing one of the first of MANY issues of cities up shit’s creek over this.


4. The Municipal Bond Market Time Bomb

The size of the municipal market is A SHIT TON BIGGER than the corporate bond market, which will already show even more signs of being turbo fucked due to borrowing at low interest rates for years. Here’s the size of the municipal bond market for scale, sans banana:


https://preview.redd.it/9pcmm2c9j5pa1.png?width=760&format=png&auto=webp&s=869c0863c6ecc788c29d6dbe37da76521a700d1e
Unfortunately, just like retirement funds, many muni investors are “buy and hold”: they buy a muni expecting a safe, long-term return with no federal income tax and then, welp, shit hits the fan. The market is heavily illiquid too, meaning if shit needs to move, then you might be fucked. Only about 1% of municipal securities trade any given day, in auctions that often take HOURS:

“Now, the primary method of trading on this doesn't look like the New York Stock Exchange or like Nasdaq. It looks like an auction. It takes about 4 hours. An auction is initiated. Participants who come in can bid on this, and it is a competitive auction that yields a very good price.”

Now to my understanding you can’t short these bonds, but the long time frame means its hard to sell these illiquid assets. Not only that, THERE IS NO NATIONAL NBBO (National Best Bid Offer)...you’re flying blind while this shit happens.


Now if you’re wondering what magnanimous souls are helping municipal bonds be sold or fixed in a timely manner for cities like San Jose, well have I got news for you.

5. Meet Headlands, U.S. Municipal/Bond Market Making Firm…Run by 3 Ex-Citadel Employees


Two months after the sneeze (March 2021), TD Ameritrade bought municipal bond market maker Headlands. Yes, that’s right…an electronic market maker just like Citadel, this time for bonds for cities and towns vs. stocks. Now let’s check the fine fellows that run this:

https://preview.redd.it/i1jnj88bj5pa1.png?width=1886&format=png&auto=webp&s=a6ea375e929a247f0b9618fed703ef519561a6a2
  • Jason Lehman: Citadel Investment Group, began/ran their global options market making, dipped his dick in Japanese convertible bonds, and managed “Private Investments”
  • Neil Fitzpatrick: Citadel Execution Services COO (Citadel Investment affiliate), ran equities/options. Ex-Knight Capital Group, did Citadel’s OTC and equity shit. Direct Edge board of directors.
  • Matthew Andresen, co-CEO Citadel Derivatives (Citadel Investment affiliate). Previously served on board of directors/committees in the past from International Securities Exchange, Direct Edge, CFTC, Lava Trading (Citi’s electronic trading unit that made LavaFlow)

Of note, Matthew Andresen founded Island, one of the 1st dark pools EVER and 2nd only to “Instinet” (who also got an even bigger wave of funds during the sneeze, info courtesy of Ringing Bells) and was featured heavily in the Scott Patterson book “Dark Pools”.



https://preview.redd.it/ibr2d9xcj5pa1.png?width=200&format=png&auto=webp&s=ea86240da04d87d28dd9561b4afdb13d600de764
Ol Matty told us that Headlands is completely automated, and where some muni traders make 75-100 muni bond sales a day (sometimes over the phone), Headlands currently bids on 10,000+ bond auctions a day with its algo. Matty Boi even said if that number ever 10x’d “we wouldn’t notice.” Even more sus, Headlands has been growing its own “holdings” of muni bonds on its books.

6. In Bros We Trust



So remember, this branch of 3 ex-Citadel bros is front and center to the issues already rearing their head. In my previous post, these were just SOME of the already teetering municipal bond issues:


  • Some might have history befall them again: last time the market crashed, Michael Burry’s California went spiraling down to BBB rated for many municipal bonds. California is a special muni case where it generally does well when times are good; much of their revenue is tied to personal income taxes. But when shit goes tits up, it goes tits up.
  • Major projects have tons of debt piling up due to the [March 2020 crash] New Jersey built a giant ass mall–I kid you not--called “The American Dream” over 10+ years that has no sales receipts to cover it in part due to the dropoff in retail buying. As of 2 weeks ago, the mall only had like less than $1000 in the bank to pay off muni debt (“Developer Triple Five Group also sold US$800 million of muni-debt backed by payments they agreed to make to bondholders instead of paying property taxes”)...

https://preview.redd.it/s8wqbdtej5pa1.png?width=1217&format=png&auto=webp&s=d2ee309462354293b1a4907d0966889bd841089f
  • NYC’s MTA has been getting reamed by both ends. One of the biggest shitstains on its books is that it took out a shit ton of municipal debt and opted to sell $3 billion in bonds to the Fed’s muni lending program to stay afloat
And this issues extends way beyond the U.S.' 50 states...it even affects our territories too.


7. Hurricane


What began this rabbit hole was the one and only welp 0 0 7, who caught wind of some fuckery in the municipal bond market:



https://preview.redd.it/rsul8xsmj5pa1.png?width=1324&format=png&auto=webp&s=f593d8b9d18e962df50609ba114d0b7093c0cdaf

In the post, he mentioned how "American Thinker" 's Joseph Lawler mentioned the SEC has been giving fucking STIFF Heismans nonstop (or per [redacted] the ol' Dustin Martin "don't argues" for you Aussie apes!) on FOIA requests (Freedom of Information Act) related to the municipal bond default in Puerto Rico, the BIGGEST bond default in America's history EVER.
It went all the way the way up to a federal court in California where the SEC said "we don't know what you're talking about" when others found they have fucking 2800 pages of documents on it and nearly 270,000(!) emails referencing it referencing a billion dollar Ponzi scheme on the level of fucking Bernie Madoff.
Big banks (Citi, Wells Fargo, BoFa) had their scheme collapse in 2016, potentially bribed senators to kill investigations into it by the DOJ and now the SEC is caught in yet ANOTHER 2 lawsuits saying they fucking aided and abetted this shit.


https://preview.redd.it/te7m9b5pj5pa1.png?width=782&format=png&auto=webp&s=72fccaee202099011c280636e1501bd570544a2c
You see, because this level of municipal bond includes fuckery includes not just cities and towns, but U.S. TERRITORIES. In my post about Hurricane Maria’s effect on Puerto Rico, I talked about how UBS and others loaded up Puerto Rico with debt because of what’s called a “Treasury Put” guarantee that was even called “an exit strategy” for banks (“They describe the "treasury put" as "...the implicit guarantee -- as perceived by investors -- from a government agency to provide support in the event of financial distress by the issuer of Puerto Rican bonds."”).
Puerto Rico’s default was the largest in US history, EVER. And all this the same while guess who was holding the bag? Let’s see what W S O P tells us:

“The reality is that a large percentage of Puerto Rico’s debt is held in tax-free municipal bonds and municipal bond mutual funds, owned not by Wall Street banks or tycoons, but by mom and pop investors seeking tax-free income.”


https://preview.redd.it/1a2vz6brj5pa1.png?width=730&format=png&auto=webp&s=529db6c15522fd84560746523f76bc180207a496
So once again, whether its retirement funds or municipal bonds, its retail caught holding the bag. And this hasn't changed for years. We’ve seen similar fuckery with bonds for NYC in the 70s, and more recently in the 00s for Detroit.


One astute wrinkle by the name of [redacted] posted this on that original post trying to dig into how it could all be related:


…how the MMLF fund that expanded money/credit to towns/cities started including commercial paper…but also leveraged near the 15 to 1 ratio perhaps under the Net Capital Requirement limit:
[redacted said]: "$500B at 14:1 Leverage? If I'm making the right connection between the flavor of asset, that's just under the 15x Net Capital Requirement limit. Is this all the Fed had/could afford? Or is this all they needed at the time?

8. Don't Bet Against America...Says the Banks and Hedge Funds That Already Did


Commercial Paper? Municipals related? Now where does that sound familiar? Ah, yes…the city of San Jose got its call-out by Wells Fargo over COMMERCIAL PAPER. This comes as the push for ppl into municipal bond markets continues, trying to sell it as a “safe haven” to retail investors. Vanguard just recently launched its first ETF–surprise, its first US-listed ETF in 2 years– for municipal bonds (selling point: “hey everyone it’s tax-exempt! Give us money plz!”) for example:

https://preview.redd.it/1v8qrfctj5pa1.png?width=1780&format=png&auto=webp&s=8e15ea68094ecdc212a18677fa1966158e362134

Many of us can see all of it for what it is. Bullshit. In the wake of the SVB collapse, there is still a strong push that these regional banks–many of which lend to municipalities–will be fine. This “safe haven” theory continues, even as articles try to have them appeal abroad (such as a few days ago, “ ESG Factors of Munis May Attract Non-US Investors” “https://www.marketsmedia.com/esg-factors-of-munis-may-attract-non-us-investors/”)
Even further, one last find is that . I mean it’s not like credit default swaps can be taken on cities and towns in theory right?


FWIW also I found an interesting research paper talking about hedge funds buying up credit default swaps, and how they could potentially bankrupt towns/municipalities through some of these moves if they wanted: https://openyls.law.yale.edu/bitstream/handle/20.500.13051/8264/MingJieWangCreditDefaultS.pdf?sequence=2
"Another potential concern is that even in a market that is generally liquid, the market for individual single-name [Credit default swap]s may be quite small, which could allow a single bad actor (a hedge fund, for example) to force a municipality into default..."


****


This is all while we have 3 ex-Citadel heads in charge of just how the municipal bond market moves, like that of San Jose.
So is this where Citadel’s reach stops? Clearly, no. It doesn’t stop at the US border, just like how Mayo Force One doesn’t.

10. ELI5: What’s a Soverign Credit Default Swap?



https://preview.redd.it/x5z73ef9k5pa1.png?width=1500&format=png&auto=webp&s=e3f0155a2015cecae29d739aca7729e44565566f
That’s right, mofos. You read that sub-header right. In case you’re wondering, not only can you take out credit default swaps on a failing Swiss bank like CS, but you can do so ON ENTIRE FUCKING COUNTRIES.
In one of my old posts “Sovereign Debts & Ransom Notes: Pt. 1 The Importance of Being Non-Linearly Destabilized through Sovereign Credit Default Swaps”
(“https://www.reddit.com/Superstonk/comments/t35rdi/sovereign_debts_ransom_notes_pt_1_the_importance/”), I talked a little more about the insanity of these things even existing.


Sovereign credit default swaps exist. Long story short: sovereign credit default swaps are insurance policies that if a country defaults (usually on its debt)then you get paid! Like many other shit that we’ve seen in the GME saga, they are a form of financial derivative (a bet that something goes up, a bet that something goes down) on an underlying (the thing you’re betting on)....They can be used to insure government debt for a country in case that country is unable to pay its debt, for example. However, just like other instruments, naked sovereign credit default swaps also exist.


Naked sovereign credit default swaps are used to bet that a country or a country's debt will fail without you owning that country's debt. In part, they were destabilising during the Euro-crisis immediately after the 2008 financial crash. Greece was one of the countries that got naked shorted in 2008. In fact, the country got shorted so bad they were worried about fucking SHORT SQUEEZES on Greek debt and the sovereign CDSs!
In 2012, the EU put a ban on naked sovereign credit default swaps. However, workarounds include the fact that a country can effectively change its mind on it within 24 hours and all the regulatory agency can do is offer an opinion.


There were a tons of perhaps “we will see soon” if relevant additional points in that old research, including:


  • The VIX affects sovereign credit default swaps A LOT

https://preview.redd.it/6fp1njsck5pa1.png?width=1295&format=png&auto=webp&s=0ea74b772735a79d5aca4b0d41a658231435dd8f
  • The Big Bang Protocol: ISDA helped formulate a set of rules that decides when a country “defaults”
  • You can “short” a sovereign bond if you find a locate (sound familiar?: “Short sales of shares and short sales of sovereign debt will be permitted only where the seller has “located” the share or debt instrument prior to entering into the agreement and has a “reasonable expectation” of being able to borrow the shares.”)


Crazy shit. So you might say, now this post is meant to be about Citadel’s sphere of influence you might say? “Where does Citadel fit into all this? ”

11. Meet the CDDC (Credit Derivatives Determination Committee)...Where Citadel Sit and Helps Decide Which Countries Default on their Debt


One of the biggest GFC 2008 scenarios of sovereign credit default swaps being misused was against Greece. Afterwards, one of its biggest cases of misuse was by Elliot Management (ran by Paul Singer) who was using their position on the Credit Derivatives Determination Committee, or CDDC, to help decide when their sovereign credit default swaps against Argentina would pay out.
Wait, Eliot Management doesn’t sound big enough. Who else is on this committee?


https://preview.redd.it/gcvfc4shk5pa1.png?width=928&format=png&auto=webp&s=f968f2765e15103295c91bc4dc7ec74836f916a4
Oh wait, so Citadel is ALSO on this committee? Alongside our favorite fucksticks like Chase, Goldman, Deutsche, and BNP?


It’s not lost on me with seeing now that Credit Suisse has been sucked up into UBS, maybe its position on the CDDC has been absorbed further by UBS. Back then, I wrote about the fact is we know next to nothing about the sovereign credit default swaps that might be opened up against countries (be it Russia, Sri Lanka, or otherwise):


Here's one such example of a swap dealer: Swiss financial terrorist aficionados UBS AG, who registered to be a swaps dealer with the US at the end of 2012. (UBS had also been a member of the CDDC through the Greek crisis in early 2012, alongside Citadel. In Mar. 2012, they were also one of the members pressing to ask whether Greece had defaulted already.)
UBS AG registered as a swap dealer in the US at the end of 2012 enabling the continuation of swaps business with US persons. Regulations issued by the Commodity Futures Trading Commission (CFTC) impose substantial new requirements on registered swap dealers for clearing, trade execution, transaction reporting, recordkeeping, risk management and business conduct.
If UBS AG decides to make a market on sovereign credit default swaps like Russia, then we might also have no idea who is on the other side of the trade. This also goes for many of the other swap dealers who (surprise surprise) also sit on the CDDC board and can determine just when these sovereign credit default swaps pay out.


Not only that, but the CDDC even can say when CORPORATE BONDS even shit the bed: late last year, they were the ones who were deciding to let everyone know whether Sunac (an Evergrande-relate company) went tits up.

12. We Say When


For months, there has been talk of a looming debt crisis (alongside all the other ones) in the sovereign debt world.
And shit continues to hit the proverbial fan. Apart from Russia, Sri Lanka and others, emerging markets like Ghana and Zambia are beginning to feel the hits from their sovereign debt (oftentimes, trying to restructure it with creditors like China).

https://preview.redd.it/gd0ocjuyi5pa1.png?width=2458&format=png&auto=webp&s=cb1fe0ade2f3401b2e081f8d0b55ef55cfb95ae2

Even further, now that Credit Suisse has gone under. We may have another thing to worry about: what banks and prime brokers are housing these opaque sovereign debt structures, loans, and swaps? Even worse, what happens when they go under? Roll that less than beautiful bean footage:

https://preview.redd.it/wt5v7uu0j5pa1.png?width=1134&format=png&auto=webp&s=df9cf3379be7ce881d7704013f4e6d92e287f08c
https://www.livemint.com/news/world/before-collapse-credit-suisse-quietly-conquered-an-obscure-debt-market-11679395660932.html

“Before collapse, Credit Suisse quietly conquered an obscure debt market
Before its rescue by Swiss rival UBS, Credit Suisse had quietly become a major player in an obscure market that purports to help developing countries ease their debt burdens in exchange for protecting nature. Known as debt-for-nature swaps, the complex financial instruments help governments restructure their debt to raise money that can be used to fund conservation efforts.
Credit Suisse was the sole structurer and arranger of the world’s largest debt-for-nature swap, a $364 million deal that it orchestrated in 2021 along with The Nature Conservancy, a charity, for Belize. Last year, it sealed another $150 million deal for Barbados. Credit Suisse has in recent years helped revive interest in the instruments and for the first time opened them up to institutional capital. The bank raised money for Belize and Barbados from pension funds including Sweden’s Alecta and Nuveen LLC, a unit of the US’s TIAA, by issuing so-called blue bonds tied to the deals.
he convoluted setup has drawn criticism from sovereign debt experts for its high cost and lack of transparency. And the opaque terms of the Belize and Barbados deals — the first of their kind — mean outside analysts will struggle to assess precisely what comes next.

A lot of poorer, especially emerging market countries were already in dire straits. Now as opaque deals meant to help these countries might not come to light (are these some of the Level 3 assets that UBS was talking about?), we can ask ourselves wtf will happen when the same banks looking to save their own ass while holding these sovereign, are the same fuckers that sit on the same board that can decide when they are worthless (while I’m sure being positioned net short).

All in all, these banks and holders of sovereign debt credit default swaps, who decide when a country goes boom, are sitting arm in arm alongside Citadel, who themselves potentially hover their greasy mayo-covered finger over the button that decides just when and how the US stock market will eventually implode.

13. Everything Everywhere All at Once



To recap, we then have Citadel with (1) the biggest market maker and arguably one of the most influential hedge fund able to decide which stocks rise and which fall as the US stock market teeters on the brink of collapse…
…with having (2) three of its ex-employees in charge of (not even counting other Citadel employees working there) operating at Headlands ready to help position themselves when the municipal bond market gets nuked, whether as a continued result of regional bank failure or in spite of it…
…while (3) sitting on the board that determines when ENTIRE COUNTRIES FAIL, in such a way that their hedge fund and associated pals can be ready to short and profit off failing nations that they and their fuckstick friends help cause.
Did I miss anything? Because remember, Citadel is not just Citadel, the market-maker that we all love to hate; Citadel’s sphere of influence via the Big 3 means the grip that it holds over the US and world economy is even greater than we think…and as such, far far more dangerous.
submitted by throwawaylurker012 to Superstonk [link] [comments]


2023.03.21 20:52 Aynirg [WTS] A set of 47 different Russian wire coins (1535-1717) recognized by catalogue numbers

Hello,
Today I want to sell this set of 47 different better then average Russian wire coins (1535-1717). Photo/proof: https://imgur.com/a/LOHpWhC. Numbers above are their catalogue numbers by KG.
Price is $119 (shipped). I accept Crypto (preferred) or PPFF (no PPGS, plz).
Shipping is from Russia, last time it took 25-40 days for the letter to reach a destination in USA. Please note that I may reply to your messages with delays because of time difference....
Please also see my other sales.
submitted by Aynirg to CoinSales [link] [comments]


2023.03.21 20:44 GuerrillaStang [WTS] ..WASR mags, 870 stock, laser lights, AR stocks, ak quad rail, metal AR mags,stuff.

https://imgur.com/a/LSWCt73
Player prices!
All prices are plus shipping unless "tyd" is stated
No mag sales to ban states.
• FDE tri-rail for M4 style handguards. $15
• small pic riser $5 add on
• fab defense Ak47/ak74 quad rail new. $35 tyd
• long pic riser $6 add on
• barrel clamp rails $5 each add on
• rail scope mount $10 add on.
• Knoxx tactical stock and forend for Remington 870, $50 tyd
• A2 grip $5 add on only
• spec-ops mamba sling. $30 tyd
• Blackhawk bipod. Mounts to sling swivel new. $30 tyd
• FDE waffle stocks. Rack gun takeoffs. Used. $10 each
• A2 flash hider $10
• gas block with sling swivel/rail $20
• troy breach flash hider $25
• 20 round AR mags $20 each
• 30 round metal mags $10 each
• Retro redfield style M16 carry mount. some salt $65 tyd
• Colt marked 20 round mags $30 each
• pro-mag WASR 30 round .223 mags. $10 each.
• commercial rifle length buffer tube, spring ,buffer. All new. $25 tyd
• Vintage Double star waffle stock. $20
• long heat shield handguard $7 add on
• 20 inch stainless .223 DPMS bull barrel maybe 100 rounds. $120 tyd
• new Fostech stainless strake brake $50 tyd
• stainless custom flash hider for 5.56/.223 $55 tyd
• iprotec rail mount red laselight. new battery. Surprisingly decent unit. $25
• Laser cross rail mount green laselight. New batteries. $25
PayPal g&s, no notes.
Can take more pics if needed
submitted by GuerrillaStang to GunAccessoriesForSale [link] [comments]


2023.03.21 20:36 ctmirror A solution to CT's food waste?

Gov. Ned Lamont is advocating for a trash and recycling disposal bill that is centered around companies that convert food waste to other products — or use it to make natural gas and generate electricity.
More about the bill, which is getting its first "test vote" tomorrow, can be found here:
https://ctmirror.org/2023/03/21/ct-food-waste-disposal-bill-trash-energy-recycling-bright-feeds-quantum-biopowe
submitted by ctmirror to Connecticut [link] [comments]


2023.03.21 20:23 Catvac-u-um_adnase Argiculture News March 21, 2023–CARB rejects ban on fumigant * Rice commission seeks drought flexibility * WOTUS ruling produces varied reactions

CARB rejects petition to ban fumigant
The Air Resources Board has denied a petition by environmental groups to phase out sulfuryl fluoride, a fumigant used in homes and food processing plants.
Californians for Pesticide Reform and the Center for Biological Diversity charged that the pesticide is a potent greenhouse gas. But CARB found the petition lacked data connecting the pesticide to a climate impact. The agency also worried about alternatives to the pesticide, potential economic impacts and a rise in termites in homes.
Rice commission seeks drought flexibility
State statute requires members of the California Rice Commission to be actively farming, even when half of the state’s rice fields go fallow. Now lawmakers are seeking more flexibility to ensure the commission represents all farmers.
The Assembly Ag Committee has approved a measure that would override the restriction during a drought emergency. Commission CEO Tim Johnson explained that the east side of the Sacramento Valley had a crop close to normal, while the west had almost no rice. Half of the valley now gets 80% of the votes, the rest only three seats.
Research could resolve tension in wine industry
A new bill is requesting $5 million to fund research into smoke taint in wine grapes.
The issue came to a head in 2020, when smoke taint led to $3.7 billion in losses. State, federal and private funding has since poured into research, but more is needed to identify the compounds and mitigate the impacts.
Tim Schmelzer, vice president of state relations at the Wine Institute, described it as a desperate need for research. He noted that smoke taint has created tension between growers and vintners due to testing constraints.
Jackson Gualco, a lobbyist for winegrape growers, warned that the issue could create a stigma that a prized California product has less than full integrity.
Feds award first of $1B in community wildfire grants
The Biden administration on Monday awarded $197 million in grants to help 22 states and seven tribes prepare for the coming wildfire season.
The funding will boost firefighter housing and pay, treat fuels on federal forest lands and help manage fires, with a focus on low-income communities and tribes. The grants are the first from a new $1 billion community protection program that stems from $7 billion in wildfire funds from the Infrastructure Investment and Jobs Act and Inflation Reduction Act.
The 100 projects in the initial round will also help high-risk communities, nonprofit organizations and state forestry agencies establish protection plans and educate homeowners on prevention practices like cleaning roof gutters and clearing vegetation.
Read our full report at Agri-Pulse.com.
WOTUS ruling sparks divided response
A decision from a federal judge in Texas halting the implementation of WOTUS in Texas and Idaho prompted diverse reactions, even within the ag community.
The American Farm Bureau Federation cheered the injunction, the only one to be issued among a handful of lawsuits challenging the Biden administration rule, which went into effect Monday. AFBF President Zippy Duvall said the judge’s ruling “undermines the [EPA and Army Corps of Engineers’] rationale for pushing through this new rule before the Supreme Court rules in Sackett v. EPA.”
The National Cattlemen’s Beef Association, however, emphasized the fact that the rule would remain in effect in 48 states.
“While we appreciate the court’s injunction of the rule in Texas and Idaho, we are strongly disappointed in the decision to keep this WOTUS rule in place in 48 states,” said NCBA President Todd Wilkinson, a South Dakota cattle producer.
The National Wildlife Federation said the decision “sets a dangerous precedent that threatens the urgent restoration of federal clean water protections nationwide.”
The Supreme Court has yet to issue its Sackett decision, which could force EPA to take another look at the rule.
Read our full report at Agri-Pulse.com.
Food insecurity on the rise
As food prices increased over 10% from December 2021 until December 2022, the share of adults reporting food insecurity rose from 20% to 24.6%, according to a new report released by the Urban Institute.
Food insecurity hit Hispanic and Black adults at a higher level, nearly double the increase when compared to white adults.
“Households experiencing very low food security not only report reductions in dietary quality and variety but also experience reduced food intake and skipped meals, presenting a more severe indicator of household hunger,” the report states.
Food banks continued to report strong needs as federal support decreased and food costs increased. Nearly one in six adults (about 16%) reported their households received charitable food in 2022, down from 17.4% in 2021. That also was down from the height of usage in 2020 at 19.7%, but well above the pre-pandemic rate in 2019 of 12.7%.
Producers exercise caution as interest rates roil farm country
Federal Reserve action to curb inflation is also having an impact on the business decisions of American producers, according to a panel of ag economy experts speaking Monday at the Agri-Pulse Ag and Food Policy Summit.
Interest rates have ticked higher over the last year, and media reports indicate another quarter-point hike could take place this week. After years of robust commodity prices and a solid farm economy, many producers have cash on hand, and they’re using it to avoid relying on changes in the market for credit.
“The one place that the high interest rates are really bothering (farmers) is their operating notes,” Joe Outlaw, a professor and extension economist with Texas A&M, said during a panel discussion. “The cost of (planting) crops is so much more across the board; not just fertilizer went up, but everything went up.”
Read our full report at Agri-Pulse.com.
She said it:
“Imagine a world where your diagnosis is being treated by what’s on your plate, not what’s in a pill” – Cathy Burns, CEO of the International Fresh Produce Association, speaking on a panel about prescribing food as medicine at the Agri-Pulse Ag & Food Policy Summit.
Philip Brasher, Jacqui Fatka, Bill oms0n and Noah Wicks contributed to this report.
Biden WOTUS rule enjoined in Texas, Idaho
https://www.agri-pulse.com/articles/19089-biden-wotus-rule-enjoined-in-texas-idaho
As Inflation Squeezed Family Budgets, Food Insecurity Increased between 2021 and 2022 Subtitle Findings from the Well-Being and Basic Needs Survey
https://www.urban.org/research/publication/inflation-squeezed-family-budgets-food-insecurity-increased-between-2021-and-2022?utm_source=Agri-Pulse+Daybreak+WEST&utm_campaign=ee4016ecb3-EMAIL_CAMPAIGN_2023_03_21_02_44&utm_medium=email&utm_term=0_-ee4016ecb3-%5BLIST_EMAIL_ID%5D
submitted by Catvac-u-um_adnase to newtimes [link] [comments]


2023.03.21 20:15 calvin324hk [H] 800+ games/DLCs/VR Games [W] Games/Paypal/TF2 Offers

https://www.reddit.com/IGSRep/comments/pikmri/calvin324hks_igs_rep_page/
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Region: NA (Canada)
Price are in USD. Fees on buyer.
CTRL + F to find your games in terms of name
Humble Keys <------ Click Here to see a full list of humble keys
BIOMUTANT
Jurassic World Evolution 2
Golden Light
Hero's Hour
Monster Crown
Rogue Lords
Call of the Sea
Trek to Yomi
Shadow Warrior 3
OlliOlli World Rad Edition (EU)
Encased
Grow: Song of the Evertree
Conan Chop Chop
Hokko Life
The Serpent Rogue
BATTLETECH MERCENARY COLLECTION
BATTLETECH Shadow Hawk Pack
Knights of Pen and Paper +1 Edition
Knights of Pen and Paper - Haunted Fall
KNIGHTS OF PEN AND PAPER 2 - DELUXIEST EDITION
Knights of Pen and Paper 2 - Here Be Dragons
Deathloop
Hell Let Loose
Hellblade: Senua's Sacrifice
F1 2019 Anniversary Edition
Valkryia Chronicles 4 Complete Edition
Mafia Definitive Edition
Mordhau
HOT WHEELS UNLEASHED ™
GAS STATION SIMULATOR
IN SOUND MIND
MIND SCANNERS
EMILY IS AWAY <3
OMNO
ATOM RPG Trudograd
Banners of Ruin
Lawn Mowing Simulator
Legend of Keepers
Yes, Your Grace
Mechwarrior 5: Mercenaries
Endzone - A World Apart
60 Parsecs
XCOM: ULTIMATE COLLECTION
PGA 2K21
Bioshock Collection
Warhammer: Vermintide 2 - Collector's Edition
Kingdom Come: Deliverance
CRUSADER KINGS III
JUST CAUSE 4: COMPLETE EDITION
Plague tale
Gas station simulator
Mind scanners
BATTLESTAR GALACTICA DEADLOCK SEASON ONE
Monster Hunter World
Gamedec
Command & Conquer Remastered (Origin)
Surviving The Aftermath
Genesis Noir
Dirt Rally 2.0
Stand With Ukraine Charity Bundle
Gang Beasts
Tinkertown
Cloud Gardens
Blightbound
Stick Fight: The Game
Railway Empire
Mad Experiments: Escape Room
ibb & obb Double Pack
The Falconeer
Truberbrook
At Eve's Wake
Interrogation: You will be deceived
Hoplegs
Cannibal Cuisine
Necronator: Dead Wrong
Awesomenauts All Nauts pack
1993 Space Machine
8-bit Adventure Anthology: Volume I
ChromaGun
Baby Dino Adventures
Click and Slay
Swords and Soldiers 2 Shawarmageddon
Cosmonautica
Crash Drive 2
Dimension Drive
The Way
Explosionade
Gelly Break Deluxe
Guppy
Journey For Elysium
Last Resort Island
Lumini
Marooners
Nelly Cootalot: Spoonbeaks Ahoy! HD
Pizza Connection 3
Pressure Overdrive
Renowned Explorers: International Society
Tales of the Tiny Planet
TaniNani
THE CORRIDOR
AWAKE - Definitive Edition
Treasure Temples
Shu
Combat Tested
Unexplored
Rayon Riddles - Rise of the Goblin King
Circles
F*CK CANCER Bundle
WWZ Aftermath
Dead by Daylight
PAYDAY 2
PAYDAY 2 Bonus
Magicka
Dungeon of the Endless
theHunter: Call of the Wild
Homeworld: Deserts of Kharak
Homeworld Remastered Collection
Little Nightmares
Brothers: A Tale of Two Sons
Red Faction®: Armageddon™
Hamilton's Great Adventure
Other Games
AVICII Invector: Encore Edition
10 Second Ninja X
The Indie Mixtape
Diaries of a Spaceport Janitor
Epistory - Typing Chronicles
Heroes of Hammerwatch
Monster Slayers - Complete Edition
My Big Sister
Red Ronin
Heal
Cat Lady - The Card Game
Undungeon
Tangledeep
Styx: Shards of Darkness
Styx: Master of Shadows
Squids Odyssey
Pendula Swing - The Complete Journey
Mists of Noyah
King's Bounty: Crossworlds
Jotun: Valhalla Edition
Hero of the Kingdom: The Lost Tales 2
Hero of the Kingdom: The Lost Tales 1
Epistory - Typing Chronicles
Warhammer 40,000: Space Wolf Special Edition
Undead Horde
S.W.I.N.E. HD Remaster
Ghost 1.0
Stirring Abyss
Scarlet Tower
Blood And Zombies
One More Island
Doorways: Prelude / Doorways: Holy Mountains of Flesh
Slain: Back from Hell
Lucius/Lucius 2/Lucius 3/Lucius Demake
Aragami
Deliver Us The Moon
Anuchard
Call of Juarez: Gunslinger
Darkwood
Intravenous
Unexplored 2: The Wayfarer's Legacy
Interstellar Space: Genesis
Survive the Nights
Blasphemous
Unto The End
NUTS
Cat Quest
Cosmic Star Heroine
Degrees of Separation
Pure Farming 2018
SEUM: Speedrunners from Hell
SUPER CHICKEN JUMPER
Syberia/Syberia II/Syberia 3
The Innsmouth Case
Tinytopia
Sniper ghost warrior contracts
Trine 4
Risen 3
Shadowgate
How to Survive
FORCED
Psychonauts
Warhammer 40,000: Space Wolf Special Edition
Sniper Elite 3 + Season Pass DLC
Sniper Ghost Warrior 3 - Season Pass Edition
METAL GEAR SOLID V: GROUND ZEROES
Strange Brigade Deluxe Edition
Call of Duty® Modern Warfare 3™
Sniper Elite 3
Sniper Elite 4 Deluxe Edition
Amnesia: Rebirth
PGA 2k21
Jurassic World Evolution
Darksiders Genesis
Endless Space® 2 - Digital Deluxe Edition
SID MEIER'S CIVILIZATION VI : PLATINUM EDITION
F1 2020
Titan Quest
Euro Truck Simulator 2
Witch It
BEAUTIFUL DESOLATION
CHANGE: A Homeless Survival Experience
Mighty Switch Force! Collection
EVERSPACE
Gone Home + Original Soundtrack
The WB Batman Collection
Batman: Arkham Asylum Game of the Year Edition
Batman: Arkham City - Game of the Year Edition
Beholder
Beholder 2
We Were Here Together
Kyle is Famous: Complete Edition
GRIP: Combat Racing *-GRIP: Combat Racing - Cygon Garage Kit *-GRIP: Combat Racing - Nyvoss Garage Kit *GRIP: Combat Racing - Terra Garage Kit *GRIP: Combat Racing - Vintek Garage Kit
Keep Talking and Nobody Explodes
Lead and Gold: Gangs of the Wild West
Miscreated
Second Extinction
Survive or Die
Breathedge
Dead in Vinland
Die Young
Empyrion - Galactic Survival
How to Survive 2
The Wild Eight
One Finger Death Punch 2
Power Rangers: Battle for the Grid
Slap City
Fahrenheit: Indigo Prophecy Remastered
Layers of Fear: Masterpiece Edition
Civilization: Beyond Earth – The Collection
Borderlands: The Handsome Collection
Primal Carnage: Extinction
Due Process
SimpleRockets 2
Killing Floor 2
For the King
For The King: Lost Civilization Adventure Pack
Pro Cycling Manager 2020
Tour de France 2020
Infectonator 3: Apocalypse
Warhammer: Chaosbane
Project Highrise
LAST OASIS
The Beast Inside
Terminus: Zombie Survivors
Crown Trick
Discolored
Everhood
Grand Mountain Adventure: Wonderlands
Nomad Survival
Sparklite
The Ramp
Valfaris
Dusk Diver
Neverinth
Tokyo Xanadu eX+
Zengeon
Spirit Hunter: Death Mark
Unmemory
Nigate Tale
Rogue Heroes: Ruins of Tasos
Liberated
Neversong
Nine Parchments
The Walking Dead
Secret Government
Monsters' Den: Godfall
Interplanetary: Enhanced Edition
Learn Japanese To Survive! Hiragana Battle
Learn Japanese To Survive! Kanji Combat
Learn Japanese To Survive! Katakana War
The Eternal Castle [REMASTERED]
THIS WAR OF MINE: COMPLETE EDITION
Cats in Time
Afterparty
Battlecruisers
Astronarch
Save Room - Organization Puzzle
PlataGO! Super Platform Game Maker
Nongunz: Doppelganger Edition
Warhammer vermintide collector's edition
Brothers: A Tale of Two Sons
Tank Mechanic Simulator
The Uncertain: Light At The End
INSOMNIA: The Ark
Darkside Detective
Shadow Tactics: Blades of the Shogun
GIGA WRECKER
Panty Party
Fell Seal: Arbiter's Mark
Tannenberg
Golf It!
Heroes of Hammerwatch
The Battle of Polytopia *DLC1. Cymanti Tribe *DLC2. ∑∫ỹriȱŋ Tribe *DLC3. Aquarion Tribe *DLC4. Polaris Tribe
Leisure Suit Larry - Wet Dreams Don't Dry
Lornsword Winter Chronicle
Oddworld: New 'n' Tasty
N++ (NPLUSPLUS)
Yooka-Laylee and the Impossible Lair
Virgo Versus The Zodiac
They Bleed Pixels
Maize
Smile For Me
The Haunted Island, a Frog Detective Game
Frog Detective 2: The Case of the Invisible Wizard
A Hole New World
Sumoman
Shape of the World
Evan's Remains
Ministry of Broadcast
She Sees Red - Interactive Movie
A Long Way Down
Depraved
Helheim Hassle
Neurodeck : Psychological Deckbuilder
Tropico 5 - Complete Collection
Escapists 2
Worms Rumble *Worms Rumble - New Challengers Pack *Worms Rumble - Legends Pack *Worms Rumble - Armageddon Weapon Skin Pack *Worms Rumble - Captain & Shark Double Pack
John Wick Hex
Hiveswap friendsim
Achtung! Cthulhu Tactics
Turmoil
Narcos: Rise of the Cartels
Rogue Stormers
Torchlight
Fictorum
Ken Follett's The Pillars of the Earth
Moon Hunters
No Time to Relax
Overpass
Blood Bowl 2
SimCity 4 Deluxe Edition
Conarium
Brawlout
F1 RACE STARS Complete Edition Include DLC
Killing Room
Tenta Shooter / The 触シュー
Everreach: Project Eden
Railway Empire
Looterkings
Headsnatchers
Battlestar Galactica Deadlock
AIdol
Livelock
The Letter - Horror Visual Novel
F1 2018
Tacoma
Hard West - Collector's Edition
Hard West: Scars of Freedom DLC
Masquerada: Songs and Shadows
The Shrouded Isle
Joint Task Force
The World Next Door
Verdant Skies
DISTRAINT 2
Ittle Dew
Ittle Dew 2+
Oxenfree
Monstrum
Strikey Sisters
Do Not Feed the Monkeys
Counter Terrorist Agency
Cyber Ops
European Ship Simulator
Fishing Adventure
Internet Cafe Simulator
Zen Chess: Mate in One, Mate in 2 , Mate in 3 , Mate in 4 , Champion's Moves (5 games)
Transport INC
Shoppe Keep 2 - Business and Agriculture RPG Simulation
Desolate
GRIP: Combat Racing + DLC
OUTBUDDIES DX
Eidolon
Pizza Connection 3
Spartan Fist
River City Ransom: Underground
Saints Row: The Third
Koi-Koi Japan [Hanafuda playing cards] *Koi-Koi Japan : UKIYOE tours Vol.1 DLC *Koi-Koi Japan : UKIYOE tours Vol.2 DLC *Koi-Koi Japan : UKIYOE tours Vol.3 DLC
Mahjong Pretty Girls Battle
Mahjong Pretty Girls Battle : School Girls Edition
Pretty Girls Mahjong Solitaire
Princess Kaguya: Legend of the Moon Warrior
Delicious! Pretty Girls Mahjong Solitaire
Chaos Reborn
Driftland: The Magic Revival
Shadows: Awakening
Caveblazers
Fallback: Uprising
Mordheim: City of the Damned
WRC 7 FIA World Rally Championship
Mana Spark
Autonauts
Nusakana
Shift Happens
Crash Drive 3
Hot Tin Roof: The Cat That Wore A Fedora
Automachef
Demolish & Build 2017
Resort Boss: Golf
Out of Space
Narita Boy
Aven Colony
Alien Breed Trilogy
Tools up
Mount & Blade
Mount & Blade: With Fire & Sword
BLACKHOLE: Complete Edition
Detention
Downfall
Miasmata
Overclocked: A History of Violence
Silver Chains
White Night
The Cat Lady
Syberia 3
Textorcist
GARAGE bad trip
Guts and glory
Swag and Sorcery
Fort Triumph
Orwell: Ignorance is Strength
FRAMED Collection
ROTASTIC
As Far as the Eye
Cepheus Protocol
Overruled
Ageless
Giana Sisters 2D
Prank Call
Hotshot Racing
Undead Horde
Streets of Fury EX
Rec Center Tycoon
JumpJet Rex
Hyper Knights
Vectronom
Levelhead
I am not a Monster: First Contact
Papo & Yo
Crookz the big heist
Iron Fisticle
Sniper: Ghost Warrior 2
Fun with Ragdolls: The Game
Reventure
Smoke and Sacrifice
American Fugitive
The Signal From Tölva
Medieval Kingdom Wars
Rebel Galaxy
XIII - Classic
Comedy Night
Darkness Within 2: The Dark Lineage
FLATLAND Vol.2
The Chess Variants Club
Armada 2526 Gold Edition
Toybox Turbos
Sudden Strike Gold
Airport Madness: World Edition
King's Bounty: Warriors of the North
Planet Alcatraz
NecroVisioN: Lost Company
Star Wolves
Konung 2
Men of War
A.I.M.2 Clan Wars
Parkan 2
El Matador
Ascension to the Throne
Peaky Blinders: Mastermind
The Flame in the Flood
When Ski Lifts Go Wrong
Bomber Crew
10 Second Ninja X
The Sacred Tears TRUE
Fred3ric
Lovecraft's Untold Stories
Path to Mnemosyne
CastleStorm
Crush Your Enemies
Semblance
S.W.I.N.E. HD Remaster
Radio Commander
Boneless Zombie
Robot Squad Simulator 2017
Pretty Girls Panic!
Poker Pretty Girls Battle: Texas Hold'em
VVVVVV
Warhammer Space wolf
Blazing Chrome
Car Mechanic Simulator 2015
Pang Adventures
Party Hard 2
REKT! High Octane Stunts
Thief of Thieves: Season One
Trailblazers
Warhammer: End Times - Vermintide
Demetrios - Deluxe Edition
Cobra Kai: The Karate Kid Saga Continues
GemCraft - Frostborn Wrath
Neversong
Nickelodeon Kart Racers 2: Grand Prix
Rebel Galaxy Outlaw
Shadowhand: RPG Card Game
Survivalist: Invisible Strain
We Were Here Too
Blacksad: Under the Skin
Heroes of Hammerwatch
Leisure Suit Larry 1-7
Murder by Numbers
Redout: Enhanced Edition
Rise of Industry + 2130 DLC
Ziggurat
They Bleed Pixels
Sunblaze
Noosphere
Train Valley 1+2
Door Kickers: Action Squad
Vikings - Wolves of Midgard
Vambrace: Cold Soul
The Void
The Vagrant
Republique
Nephise: Ascension
Leisure Suit Larry - Wet Dreams Don't Dry
Knock-knock
Jewel Match Atlantis Solitaire - Collector's Edition
Healer's Quest
Fictorum
A Robot Named Fight!
Skautfold Chapters 1-4
Hero of the Kingdom: Trilogy
198X
Danger Scavenger
Doctor Who: The Lonely Assassins
Dread X Collection
Going Under
My Lovely Daughter
Rage in Peace
Flashback
Garfield Kart
Curse: The Eye of Isis
Amerzone: The Explorer’s Legacy
Black Moon Chronicles
Nostradamus: The Last Prophecy
Red Riding Hood - Star Crossed Lovers
Chicago 1930 : The Prohibition
Sinking Island
Haegemonia: Legions of Iron
Occultus - Mediterranean Cabal
Gevaudan
Windscape
Ultra Space Battle Brawl
Through the Woods
This is the Zodiac Speaking
The Uncertain: Light At The End
The Uncertain - The Last Quiet Day
Tales
Tales of the Neon Sea
Styx: Master of Shadows
She and the Light Bearer
Epistory - Typing Chronicles
A Wolf in Autumn
The Music Machine
Jalopy
Insane 2
Clustertruck
Antigraviator
All-Star Fruit Racing
Constructor Plus
Ice Lakes
Knights of Pen & Paper 2
Victoria II
Kingdom Come: Deliverance – Band of Bastards
Kingdom Come: Deliverance – From the Ashes
Mindustry
Games
Cube Runner
Slash It Ultimate
Slash It 2
Slash It
Cybercube
Poly Island
Spin Rush
Upside Down
Neon Space
Hungry Flame
Charlie's Adventure
Neon Space 2
Duke of Alpha Centauri
VR Games
House Flipper VR
Telefrag VR
Slinger VR
Wishlist
submitted by calvin324hk to SteamGameSwap [link] [comments]


2023.03.21 20:15 calvin324hk [H] 800+ games/DLCs/VR Games [W] Games/Paypal/TF2 Offers

https://www.reddit.com/IGSRep/comments/pikmri/calvin324hks_igs_rep_page/
https://www.reddit.com/sgsflaicomments/of2wzu/flair_profile_ucalvin324hk/
Region: NA (Canada)
Price are in USD. Fees on buyer.
CTRL + F to find your games in terms of name
Humble Keys <------ Click Here to see a full list of humble keys
BIOMUTANT
Jurassic World Evolution 2
Golden Light
Hero's Hour
Monster Crown
Rogue Lords
Call of the Sea
Trek to Yomi
Shadow Warrior 3
OlliOlli World Rad Edition (EU)
Encased
Grow: Song of the Evertree
Conan Chop Chop
Hokko Life
The Serpent Rogue
BATTLETECH MERCENARY COLLECTION
BATTLETECH Shadow Hawk Pack
Knights of Pen and Paper +1 Edition
Knights of Pen and Paper - Haunted Fall
KNIGHTS OF PEN AND PAPER 2 - DELUXIEST EDITION
Knights of Pen and Paper 2 - Here Be Dragons
Deathloop
Hell Let Loose
Hellblade: Senua's Sacrifice
F1 2019 Anniversary Edition
Valkryia Chronicles 4 Complete Edition
Mafia Definitive Edition
Mordhau
HOT WHEELS UNLEASHED ™
GAS STATION SIMULATOR
IN SOUND MIND
MIND SCANNERS
EMILY IS AWAY <3
OMNO
ATOM RPG Trudograd
Banners of Ruin
Lawn Mowing Simulator
Legend of Keepers
Yes, Your Grace
Mechwarrior 5: Mercenaries
Endzone - A World Apart
60 Parsecs
XCOM: ULTIMATE COLLECTION
PGA 2K21
Bioshock Collection
Warhammer: Vermintide 2 - Collector's Edition
Kingdom Come: Deliverance
CRUSADER KINGS III
JUST CAUSE 4: COMPLETE EDITION
Plague tale
Gas station simulator
Mind scanners
BATTLESTAR GALACTICA DEADLOCK SEASON ONE
Monster Hunter World
Gamedec
Command & Conquer Remastered (Origin)
Surviving The Aftermath
Genesis Noir
Dirt Rally 2.0
Stand With Ukraine Charity Bundle
Gang Beasts
Tinkertown
Cloud Gardens
Blightbound
Stick Fight: The Game
Railway Empire
Mad Experiments: Escape Room
ibb & obb Double Pack
The Falconeer
Truberbrook
At Eve's Wake
Interrogation: You will be deceived
Hoplegs
Cannibal Cuisine
Necronator: Dead Wrong
Awesomenauts All Nauts pack
1993 Space Machine
8-bit Adventure Anthology: Volume I
ChromaGun
Baby Dino Adventures
Click and Slay
Swords and Soldiers 2 Shawarmageddon
Cosmonautica
Crash Drive 2
Dimension Drive
The Way
Explosionade
Gelly Break Deluxe
Guppy
Journey For Elysium
Last Resort Island
Lumini
Marooners
Nelly Cootalot: Spoonbeaks Ahoy! HD
Pizza Connection 3
Pressure Overdrive
Renowned Explorers: International Society
Tales of the Tiny Planet
TaniNani
THE CORRIDOR
AWAKE - Definitive Edition
Treasure Temples
Shu
Combat Tested
Unexplored
Rayon Riddles - Rise of the Goblin King
Circles
F*CK CANCER Bundle
WWZ Aftermath
Dead by Daylight
PAYDAY 2
PAYDAY 2 Bonus
Magicka
Dungeon of the Endless
theHunter: Call of the Wild
Homeworld: Deserts of Kharak
Homeworld Remastered Collection
Little Nightmares
Brothers: A Tale of Two Sons
Red Faction®: Armageddon™
Hamilton's Great Adventure
Other Games
AVICII Invector: Encore Edition
10 Second Ninja X
The Indie Mixtape
Diaries of a Spaceport Janitor
Epistory - Typing Chronicles
Heroes of Hammerwatch
Monster Slayers - Complete Edition
My Big Sister
Red Ronin
Heal
Cat Lady - The Card Game
Undungeon
Tangledeep
Styx: Shards of Darkness
Styx: Master of Shadows
Squids Odyssey
Pendula Swing - The Complete Journey
Mists of Noyah
King's Bounty: Crossworlds
Jotun: Valhalla Edition
Hero of the Kingdom: The Lost Tales 2
Hero of the Kingdom: The Lost Tales 1
Epistory - Typing Chronicles
Warhammer 40,000: Space Wolf Special Edition
Undead Horde
S.W.I.N.E. HD Remaster
Ghost 1.0
Stirring Abyss
Scarlet Tower
Blood And Zombies
One More Island
Doorways: Prelude / Doorways: Holy Mountains of Flesh
Slain: Back from Hell
Lucius/Lucius 2/Lucius 3/Lucius Demake
Aragami
Deliver Us The Moon
Anuchard
Call of Juarez: Gunslinger
Darkwood
Intravenous
Unexplored 2: The Wayfarer's Legacy
Interstellar Space: Genesis
Survive the Nights
Blasphemous
Unto The End
NUTS
Cat Quest
Cosmic Star Heroine
Degrees of Separation
Pure Farming 2018
SEUM: Speedrunners from Hell
SUPER CHICKEN JUMPER
Syberia/Syberia II/Syberia 3
The Innsmouth Case
Tinytopia
Sniper ghost warrior contracts
Trine 4
Risen 3
Shadowgate
How to Survive
FORCED
Psychonauts
Warhammer 40,000: Space Wolf Special Edition
Sniper Elite 3 + Season Pass DLC
Sniper Ghost Warrior 3 - Season Pass Edition
METAL GEAR SOLID V: GROUND ZEROES
Strange Brigade Deluxe Edition
Call of Duty® Modern Warfare 3™
Sniper Elite 3
Sniper Elite 4 Deluxe Edition
Amnesia: Rebirth
PGA 2k21
Jurassic World Evolution
Darksiders Genesis
Endless Space® 2 - Digital Deluxe Edition
SID MEIER'S CIVILIZATION VI : PLATINUM EDITION
F1 2020
Titan Quest
Euro Truck Simulator 2
Witch It
BEAUTIFUL DESOLATION
CHANGE: A Homeless Survival Experience
Mighty Switch Force! Collection
EVERSPACE
Gone Home + Original Soundtrack
The WB Batman Collection
Batman: Arkham Asylum Game of the Year Edition
Batman: Arkham City - Game of the Year Edition
Beholder
Beholder 2
We Were Here Together
Kyle is Famous: Complete Edition
GRIP: Combat Racing *-GRIP: Combat Racing - Cygon Garage Kit *-GRIP: Combat Racing - Nyvoss Garage Kit *GRIP: Combat Racing - Terra Garage Kit *GRIP: Combat Racing - Vintek Garage Kit
Keep Talking and Nobody Explodes
Lead and Gold: Gangs of the Wild West
Miscreated
Second Extinction
Survive or Die
Breathedge
Dead in Vinland
Die Young
Empyrion - Galactic Survival
How to Survive 2
The Wild Eight
One Finger Death Punch 2
Power Rangers: Battle for the Grid
Slap City
Fahrenheit: Indigo Prophecy Remastered
Layers of Fear: Masterpiece Edition
Civilization: Beyond Earth – The Collection
Borderlands: The Handsome Collection
Primal Carnage: Extinction
Due Process
SimpleRockets 2
Killing Floor 2
For the King
For The King: Lost Civilization Adventure Pack
Pro Cycling Manager 2020
Tour de France 2020
Infectonator 3: Apocalypse
Warhammer: Chaosbane
Project Highrise
LAST OASIS
The Beast Inside
Terminus: Zombie Survivors
Crown Trick
Discolored
Everhood
Grand Mountain Adventure: Wonderlands
Nomad Survival
Sparklite
The Ramp
Valfaris
Dusk Diver
Neverinth
Tokyo Xanadu eX+
Zengeon
Spirit Hunter: Death Mark
Unmemory
Nigate Tale
Rogue Heroes: Ruins of Tasos
Liberated
Neversong
Nine Parchments
The Walking Dead
Secret Government
Monsters' Den: Godfall
Interplanetary: Enhanced Edition
Learn Japanese To Survive! Hiragana Battle
Learn Japanese To Survive! Kanji Combat
Learn Japanese To Survive! Katakana War
The Eternal Castle [REMASTERED]
THIS WAR OF MINE: COMPLETE EDITION
Cats in Time
Afterparty
Battlecruisers
Astronarch
Save Room - Organization Puzzle
PlataGO! Super Platform Game Maker
Nongunz: Doppelganger Edition
Warhammer vermintide collector's edition
Brothers: A Tale of Two Sons
Tank Mechanic Simulator
The Uncertain: Light At The End
INSOMNIA: The Ark
Darkside Detective
Shadow Tactics: Blades of the Shogun
GIGA WRECKER
Panty Party
Fell Seal: Arbiter's Mark
Tannenberg
Golf It!
Heroes of Hammerwatch
The Battle of Polytopia *DLC1. Cymanti Tribe *DLC2. ∑∫ỹriȱŋ Tribe *DLC3. Aquarion Tribe *DLC4. Polaris Tribe
Leisure Suit Larry - Wet Dreams Don't Dry
Lornsword Winter Chronicle
Oddworld: New 'n' Tasty
N++ (NPLUSPLUS)
Yooka-Laylee and the Impossible Lair
Virgo Versus The Zodiac
They Bleed Pixels
Maize
Smile For Me
The Haunted Island, a Frog Detective Game
Frog Detective 2: The Case of the Invisible Wizard
A Hole New World
Sumoman
Shape of the World
Evan's Remains
Ministry of Broadcast
She Sees Red - Interactive Movie
A Long Way Down
Depraved
Helheim Hassle
Neurodeck : Psychological Deckbuilder
Tropico 5 - Complete Collection
Escapists 2
Worms Rumble *Worms Rumble - New Challengers Pack *Worms Rumble - Legends Pack *Worms Rumble - Armageddon Weapon Skin Pack *Worms Rumble - Captain & Shark Double Pack
John Wick Hex
Hiveswap friendsim
Achtung! Cthulhu Tactics
Turmoil
Narcos: Rise of the Cartels
Rogue Stormers
Torchlight
Fictorum
Ken Follett's The Pillars of the Earth
Moon Hunters
No Time to Relax
Overpass
Blood Bowl 2
SimCity 4 Deluxe Edition
Conarium
Brawlout
F1 RACE STARS Complete Edition Include DLC
Killing Room
Tenta Shooter / The 触シュー
Everreach: Project Eden
Railway Empire
Looterkings
Headsnatchers
Battlestar Galactica Deadlock
AIdol
Livelock
The Letter - Horror Visual Novel
F1 2018
Tacoma
Hard West - Collector's Edition
Hard West: Scars of Freedom DLC
Masquerada: Songs and Shadows
The Shrouded Isle
Joint Task Force
The World Next Door
Verdant Skies
DISTRAINT 2
Ittle Dew
Ittle Dew 2+
Oxenfree
Monstrum
Strikey Sisters
Do Not Feed the Monkeys
Counter Terrorist Agency
Cyber Ops
European Ship Simulator
Fishing Adventure
Internet Cafe Simulator
Zen Chess: Mate in One, Mate in 2 , Mate in 3 , Mate in 4 , Champion's Moves (5 games)
Transport INC
Shoppe Keep 2 - Business and Agriculture RPG Simulation
Desolate
GRIP: Combat Racing + DLC
OUTBUDDIES DX
Eidolon
Pizza Connection 3
Spartan Fist
River City Ransom: Underground
Saints Row: The Third
Koi-Koi Japan [Hanafuda playing cards] *Koi-Koi Japan : UKIYOE tours Vol.1 DLC *Koi-Koi Japan : UKIYOE tours Vol.2 DLC *Koi-Koi Japan : UKIYOE tours Vol.3 DLC
Mahjong Pretty Girls Battle
Mahjong Pretty Girls Battle : School Girls Edition
Pretty Girls Mahjong Solitaire
Princess Kaguya: Legend of the Moon Warrior
Delicious! Pretty Girls Mahjong Solitaire
Chaos Reborn
Driftland: The Magic Revival
Shadows: Awakening
Caveblazers
Fallback: Uprising
Mordheim: City of the Damned
WRC 7 FIA World Rally Championship
Mana Spark
Autonauts
Nusakana
Shift Happens
Crash Drive 3
Hot Tin Roof: The Cat That Wore A Fedora
Automachef
Demolish & Build 2017
Resort Boss: Golf
Out of Space
Narita Boy
Aven Colony
Alien Breed Trilogy
Tools up
Mount & Blade
Mount & Blade: With Fire & Sword
BLACKHOLE: Complete Edition
Detention
Downfall
Miasmata
Overclocked: A History of Violence
Silver Chains
White Night
The Cat Lady
Syberia 3
Textorcist
GARAGE bad trip
Guts and glory
Swag and Sorcery
Fort Triumph
Orwell: Ignorance is Strength
FRAMED Collection
ROTASTIC
As Far as the Eye
Cepheus Protocol
Overruled
Ageless
Giana Sisters 2D
Prank Call
Hotshot Racing
Undead Horde
Streets of Fury EX
Rec Center Tycoon
JumpJet Rex
Hyper Knights
Vectronom
Levelhead
I am not a Monster: First Contact
Papo & Yo
Crookz the big heist
Iron Fisticle
Sniper: Ghost Warrior 2
Fun with Ragdolls: The Game
Reventure
Smoke and Sacrifice
American Fugitive
The Signal From Tölva
Medieval Kingdom Wars
Rebel Galaxy
XIII - Classic
Comedy Night
Darkness Within 2: The Dark Lineage
FLATLAND Vol.2
The Chess Variants Club
Armada 2526 Gold Edition
Toybox Turbos
Sudden Strike Gold
Airport Madness: World Edition
King's Bounty: Warriors of the North
Planet Alcatraz
NecroVisioN: Lost Company
Star Wolves
Konung 2
Men of War
A.I.M.2 Clan Wars
Parkan 2
El Matador
Ascension to the Throne
Peaky Blinders: Mastermind
The Flame in the Flood
When Ski Lifts Go Wrong
Bomber Crew
10 Second Ninja X
The Sacred Tears TRUE
Fred3ric
Lovecraft's Untold Stories
Path to Mnemosyne
CastleStorm
Crush Your Enemies
Semblance
S.W.I.N.E. HD Remaster
Radio Commander
Boneless Zombie
Robot Squad Simulator 2017
Pretty Girls Panic!
Poker Pretty Girls Battle: Texas Hold'em
VVVVVV
Warhammer Space wolf
Blazing Chrome
Car Mechanic Simulator 2015
Pang Adventures
Party Hard 2
REKT! High Octane Stunts
Thief of Thieves: Season One
Trailblazers
Warhammer: End Times - Vermintide
Demetrios - Deluxe Edition
Cobra Kai: The Karate Kid Saga Continues
GemCraft - Frostborn Wrath
Neversong
Nickelodeon Kart Racers 2: Grand Prix
Rebel Galaxy Outlaw
Shadowhand: RPG Card Game
Survivalist: Invisible Strain
We Were Here Too
Blacksad: Under the Skin
Heroes of Hammerwatch
Leisure Suit Larry 1-7
Murder by Numbers
Redout: Enhanced Edition
Rise of Industry + 2130 DLC
Ziggurat
They Bleed Pixels
Sunblaze
Noosphere
Train Valley 1+2
Door Kickers: Action Squad
Vikings - Wolves of Midgard
Vambrace: Cold Soul
The Void
The Vagrant
Republique
Nephise: Ascension
Leisure Suit Larry - Wet Dreams Don't Dry
Knock-knock
Jewel Match Atlantis Solitaire - Collector's Edition
Healer's Quest
Fictorum
A Robot Named Fight!
Skautfold Chapters 1-4
Hero of the Kingdom: Trilogy
198X
Danger Scavenger
Doctor Who: The Lonely Assassins
Dread X Collection
Going Under
My Lovely Daughter
Rage in Peace
Flashback
Garfield Kart
Curse: The Eye of Isis
Amerzone: The Explorer’s Legacy
Black Moon Chronicles
Nostradamus: The Last Prophecy
Red Riding Hood - Star Crossed Lovers
Chicago 1930 : The Prohibition
Sinking Island
Haegemonia: Legions of Iron
Occultus - Mediterranean Cabal
Gevaudan
Windscape
Ultra Space Battle Brawl
Through the Woods
This is the Zodiac Speaking
The Uncertain: Light At The End
The Uncertain - The Last Quiet Day
Tales
Tales of the Neon Sea
Styx: Master of Shadows
She and the Light Bearer
Epistory - Typing Chronicles
A Wolf in Autumn
The Music Machine
Jalopy
Insane 2
Clustertruck
Antigraviator
All-Star Fruit Racing
Constructor Plus
Ice Lakes
Knights of Pen & Paper 2
Victoria II
Kingdom Come: Deliverance – Band of Bastards
Kingdom Come: Deliverance – From the Ashes
Mindustry
Games
Cube Runner
Slash It Ultimate
Slash It 2
Slash It
Cybercube
Poly Island
Spin Rush
Upside Down
Neon Space
Hungry Flame
Charlie's Adventure
Neon Space 2
Duke of Alpha Centauri
VR Games
House Flipper VR
Telefrag VR
Slinger VR
Wishlist
submitted by calvin324hk to indiegameswap [link] [comments]


2023.03.21 20:07 jportillo47 Am I charging fairly??

So I’ve been plumbing a couple years now & decided to start taking on some solo side work. I have an acquaintance who needs their water heater changed. I like to be fair with prices & not rip people off but also not sell myself short cuz I know my work is quality & I try my best to offer the best service. She wants to upgrade to a 50 gallon, cause of the amount of people in the house, and also wants to purchase one that comes with a 9 year lifespan. I found the right one for her, cheapest was $800 after tax. I have a friend helping me out with this job & we’re splitting the earnings. She also needs me to pick up the water heater as well since she does not drive. For all the work, cost of heater, gas, picking up the heater & materials, I quoted her 2000. After costs me & my buddy should be making about $600 each. I could just be overthinking it but do y’all think I’m charging a fair price??
submitted by jportillo47 to Plumbing [link] [comments]


2023.03.21 19:59 missingmountains7 I am 33 Years old, just started a new job, and have $31,606 in Credit Card Debt

This was incredibly hard for me to write and admit., I'm sure I have forgotten important information and have errors.
DEEP IN DEBT DIARY TEMPLATE
Title: I am 33 years old, making $80,000 salary ( just started new job ) plus $21,300. Spouse ( 39 )makes $40 per hour plus $14,200, and we have $77,313 debt not including our mortgage.
SECTION ONE: Background
Job: Project Analyst ( new job ) & GIS Analyst
Industry: Finance
Location - MCOL, rural Texas
Context - I have worked for my MIL since 2015 with no benefits. My husband has worked for her since 2013 with no benefits. We were led to believe we would take over the business and have a really good secure income. Instead, we have made less than others in our same careers or near the same, but with no benefits, no paid holidays etc. We attempted to get the plan of action for us to take over starting in 2017, but were met with aggression and personality issues each time. It’s been a long mentally exhausting 5+ years. I have finally broken away.
SECTION TWO: Current Debt and Assets
Credit card debt: Total Credit Card Debt $31,606.30. Breakdown: Card 1 ($10,799.30 out of $14,500) Card 2 ( $17,002.84 out of $18,000 ) Card 3 ( $0 out $0 ) Card 4 ( $3,805 out of $5,000)
Personal loans: $0
Medical debt: $0 paid down from $18,000
Student loan debt (for what degree). $12,534.18 Bachelors in Engineering Technology. Already paid off over $15,000. His grandparents and parents paid for his undergrad; he saved up ( before we met ) and paid for his master's.
Remaining mortgage balance if you’re a homeowner. $298,000 remaining. Originally 318,000 at 4.84%. Yearly Dividends are around $3,500-$3,800.
Auto loans: Truck $19,781.71 u/2.25%, small SUV $13,390.64 @ 2.25%
Any other type of debt and how you accumulated it (e.g., payday loans, title loans). N/a
Retirement balance (and how you got there). Around $5000-$6,000 for both of us. This was from putting some into accounts we opened a few years ago.
Equity $502,000
Our first house was purchased for $82,000 in December 2010 with low interest. We sold it 2016 for $115,000 to buy our land.
To buy our land, we put some of the equity towards credit card debt and the rest towards purchasing the land for $150,000 at a 15 yr fixed rate of around 5% interest rate. We “rebuilt” our house starting Nov 2019 with a refinance and construction loan in one. We didn’t put any down, it was 90% loan to value. The house we built made the value ( once complete ) more than the loan. Currently, the estimated appraisal is around $800,000 leaving $498,000 in equity. We didn’t purchase and build in a typical way. We bought the 45 acres for 150k 4% or so15 year loan 3 years before refinancing with a construction loan. We did put down $15,000 to purchase the land originally.
Savings account balance: $200
Checking account balance: averages $4000-$5000 to cover all bills etc.
Any other assets that are applicable to you.
SECTION THREE: Income
Main Job Monthly Take Home aka Net Pay I just started my new job so I don’t know what the health insurance etc will look like. My salary is $80,000. My insurance is 80% covered. My husband makes $40/hour with no benefits besides two weeks of paid vacation.
Side Gig Monthly Take Home
We have owned a business for 10 years. It is a contract that has been $30,000 per year until this year; it is now $35,500. This is very part-time, part of the year. We have always worked on this in our free time, until 2021 when I did work it as my main job for that year and a half. We have had our real estate licenses since 2016; we didn’t make any money until 2019. It ranged from $15,000-$30,000, was in 2021. He is quitting real estate and I recently also quit.
Any Other Monthly Income Here
N/A
SECTION FOUR: Monthly Expenses
Mortgage $1676
Home insurance Annually $3,000
Property Taxes Annually $3,300
Private Health Insurance $580
Additional Retirement contribution N/A
Savings contribution N/A
Investment contribution N/A
Private School $350 plus $100 for aftercare
Trash Pickup $89/quarter
Husbands Life Insurance $51 monthly
My Life Insurance Annually $180
Debt payments We put extra money towards debt and get out of credit card debt most years, then go back into it. We paid the minimum from when I quit working full time for MIL until now.
Donations (please estimate monthly) I donate a lot; I’ve been on a minimalist journey for years and donate nearly everything. I used to also donate to St Jude's $25 a month.
Electricity averages $200-$275.
Water Averages $45-50
Sewage on a septic system
Internet $71 it will go up to $97 soon.
Cellphone $240 per quarter Mint
Subscriptions Apple TV $6.99, Apple Care $10.81, Discovery+ $6, Hulu Disney Bundle $5.39, Amazon $8 ( sister is taking over ), Netflix another sister usually pays for this,
Pet expenses Approximately $50
Car payment / insurance small SUV $317, truck $526. Yearly auto-ins. $1,000 for the truck, $600 suv
Parking/toll/gas/other transportation costs. $500-$700 we live out of town. It’s a 45-mile drive one way to go to a decent grocery store or to buy most things. Our town only has a tiny walmart ( limited options and bad produce ) and a very expensive small grocery store. He does get paid mileage but also has to have a 4x4 truck for work; although he doesn't work in the woods most days.
Regular therapy/other routine healthcare or wellness treatments. No insurance to cover it, but grandfathered in at $75 when I go. I/we used to go once or twice a month for years on and off. Our daughter did see a therapist last summer. She was $125 every two weeks for a couple of months.
Beauty/grooming not enough, honest. I may get a haircut twice a year and he gets his cut maybe once every few months. This will become more scheduled.
Paid hobbies nodda
Food/Drink Average $800 a month on groceries but during the worst times for us, $2000. I want to get this lower; we don’t buy meat so I feel like we need to do better planning.
Fun / Entertainment $0
Random House/Property stuff Averages $200 a month +
Clothes $0. Our daughter has a uniform for school; I tend to buy when on clearance. I’ve rarely bought anything since quitting MIL.
Any other expense that's relevant to you.
SECTION FIVE: [Write your Deep in Debt Diary here]
Please provide a detailed history of your debt accumulation and payments, including your pay at the time, any strategies you used to target your debt, and anecdotes about your experience. Example:
2010-2014 Worked as a draftsman while getting my associates in drafting. I was honest with them from the beginning about going back for a bachelor's. The most I made was $15/ hour with benefits only in the last year of employment. We started our contract work in 2013 at $25,000 per year.
2014 went back to college for a bachelor's degree and got my first real credit card. I don’t recall my balance when I started working on it but I would say it was over 3k. I also learned he had over 5k in cc debt when we started talking about combining our finances and working on debt. He was making $33 per hour with no benefits. Our contract was $25,000 per year which was broken up into equal payments over the year.
2016 - 2019 We combined out income and I took over finances completely with no help. I agreed to join the family business after finishing my degree in May 2016 and also got my real estate license ( boss MIL was also a broker). Worked full time from May until end of November when our child was born. I made $15-$25 in that time. We paid $800 per month for private insurance and had a traumatic delivery that came to another $18,000 after insurance coverage. I was scared of being one alone with my child; I had postpartum but didn’t tell anyone nor fully wanted to admit it to myself. Our daughter wasn’t easy going even as a baby, she had to be on my body at all times to be happy. She still gets bored easily. We spent a lot of money on stuff to entertain her at home; she never liked anything, not even a swing. We hired a nanny to be at our office with us full time from age 1 month to 3. We paid her $10 per hour in cash. Our daughter started pre-k at a private school at 3. $350 a month. Debt varied as always. I was at the office 40-45 hours but my boss used me to do real estate stuff she didn’t want to do which cut my hours to 30-32 per week hourly; I was never compensated for all of the real estate admin and website building. We both had our real estate licenses but never made anything until 2019-2022. It took up 8+ hours or so of my weekly hours then a lot of our weekends. In 2016, our contract work increased to $30,000 and payments changed to larger payments during our busy time of the year. I feel like that was when we started relying on that income to bail us out of debt.
Nov 2019-April 2020. Refinanced our land and did a construction loan to rebuild our house. Our daughter was out of school and at home with me working which was very hard. Our house was finished April 2020 two weeks before everything started shutting down further it seems. Debt was maybe around 10k because we forgot to plan for the carport that still doesn’t have a slab. It’s just dirt.
2020-2021 We told our boss MIL we were leaving the business. We were tired of the stress and chaos with her and low wages with no benefits. We were given raises ( $33 and $40 per hour ) to keep us there. I told her several months later in a formal notice I was quitting. I was guilt tripped and manipulated to stay; she stated we would make the changes necessary and I would start taking over her job. Of course nothing at all changed. I was a wreck and quit without notice 6 months later after trying again 2 months before because I was a serious mess. This hurt us financially because I wasn’t taking care of our finances and was too upset. I did take over our business contract work so we didn’t have to work on that during our free time. My husband was also a mess on and off, so we kept an emergency fund to support him quitting and finding a job. He told her twice he was quitting but could never follow through. We used up our emergency fund because we weren’t paying attention. Somehow spending 2k a month on groceries for several months. I hate that I have no clue how it happened and how much food waste we had.
2021-2023 I didn’t work for MIL from May 2021-October 2021 when I went back but only 10 hours per week. I went back because we needed the income. I typically worked 12 hours a week until leaving recently. We decided to move to Michigan; I feel like i sacrificed a lot staying in Texas ( I never wanted to ) and putting up with everything working for his mother and all the chaos and control that came with that. We will be moving end of May beginning on June. He still works for her and doesn’t have a set plan.
Reflection
I feel like our lives have been a wreck the last 3-6 years and I refuse to fall back into it. I feel like not having benefits has hurt us more than we ever imagined it would. Just this year so far we’ve paid $2400 for his emergency root canal and crown. $400 for a consultation and CT scan for my nose for sinus issues. $3500 for a new fence for our dogs. It seems to never end.
I was upset with myself for awhile; I am trying hard to focus on the future. We need to learn to plan and save for large expenses. I am highly considering separating our finances and splitting everything proportionally. He has yet to actually help me with managing our finances although I have mentioned and asked numerous times. He is also supposed to be evaluated for ADHD. He does try and he’s a great partner besides his mom problems and not helping with finances. He thinks just not spending money is enough for our finances. Our therapist thinks us getting away ( even if it is only part of the year ) will change my husband and his dynamic with his mother. I hope he will fall in love with where we are moving, and agree to stay there permanently and sell our home/property in Texas.

The above template was modified, with permission, from MoneyDiariesACTIVE.
submitted by missingmountains7 to ModestMoneyDiaries [link] [comments]


2023.03.21 19:58 surftherapy Is an electric dryer cheaper to run than gas?

Wife and I are about to have utilities installed in our home to have laundry inside the house as opposed to the utility closet that’s attached to our garage. My question is, is an electric dryer more efficient than gas? If it’s not, with the recent gas price hikes, do we anticipate electric being the better option 3-5 years from now?
submitted by surftherapy to orangecounty [link] [comments]


2023.03.21 19:54 PurePro71 [WTS] Closet Cleanout: AR Stuff, AK stuff, mags and more!

https://imgur.com/a/sdvUPaM
Prices are OBO and include shipping! Take $5 off of every additional item for bundles!
Plum Mags: 6 Tula 1 Izzy, condition varies from good to excellent, asking $55 for the meh ones and $65 for the nice ones. $350 shipped for all of them
Chinese /36\ drum: NOS, maybe inserted once? Asking $220
Russian Handguard retainer: new, $50
JMAC Customs AKM Brake: used, $50
Definitive Arms Fighter Brake: used, $25
KUSA KR103 gas block: used, $20
KUSA KR103 muzzle brake: used, $20
KUSA KR103 front handguard takeoffs: $15
Saiga 300m rear sight: $20
Holosun 403B: used, asking $135
FCD EPC Twin Dimple: used, asking $75
FCD low drag forward assist: used, $35 (will do $100 shipped for both FCD parts)
As for trades/WTB, here is what I’m looking for. If it’s not listed here feel free to ask, worst I can say is no!
HK416 9” quad rail
HK416 BCG (not MR556)
HK416 Buffer Tube
HK Marked 5.56 magazines
Milspec cheapo ar15/m4 stock
Izzy True Black 5.45 mags
Izzy AK103 mags
Molot ribbed 45 round true black mags
Saiga Bolt Hold Open for SGL-21
Russian 5.5mm folding rear trunnions
submitted by PurePro71 to GunAccessoriesForSale [link] [comments]


2023.03.21 19:45 SirKramelot (WTS) Eotech xps2-0, .300 BLK upper

Looking to get rid of some stuff just sitting around, want to invest it into other hobbies, so these gotta go.
The goods
Eotech Xps2-0 black- bought and mounted on the upper I'm selling beside this, never shot, never zeroed, catch and release from here. 6/30/2022 inspection date. $400 sold
.300 BLK upper w/bcg+ CH build list from assortment of parts I had.
FCD URF upper, lantac forward assist, odg double dimple EPC (wear pictured), VLTOR bcm charging handle, no name bcg, 10.5 BA .300 BLK barrel with pinned gas block, sf3p, Midwest industries slimline handguard, odg mbus, and emissary handbrake.
Edit: 0 rounds on barrel
Looking to get $575
Combo deal for 925.
Comment, then PM. No chats. I accept Paypal FF or Venmo. Prices are shipped with pirate ship and insurance.
submitted by SirKramelot to GunAccessoriesForSale [link] [comments]


2023.03.21 19:41 briana_elizabeth13 Resources for people who don't qualify for government help?

Hi all, I'm a 30-year-old woman living in Connecticut with multiple long-term chronic health conditions, including cerebral palsy, epilepsy, and more. My CP is fairly mild, all things considered. I used to have braces on my legs as a child, but I continue with regular physical therapy so that I can appear as normal as possible. I have about three medical appointments a week for my multiple conditions.
I work for a major university in CT and make what should be a decent salary; however, last year I spent roughly 36% of my salary on medical bills. This left me with about $27k in income after taxes, and my rent is $2200. This means with only my medical bills and rent paid, I have no additional money to spend on utilities, car payments, gas, food, savings, assistive technologies, self-care, or personal spending, which ends up putting me into anywhere between $1000-$2000 in debt a month. Right now, I am incredibly lucky to have my family's partial assistance with payments, and will soon be cutting that cost down by moving in with my boyfriend, however, I struggle immensely to get by.
I am having a difficult time keeping up with my full-time job because my weekly medical care takes about 8 hours minimum. This essentially adds an additional work day for me, just for my health and to stay alive without excruciating chronic pain. I am independent and high functioning enough to work so I cannot go on full disability, nor do I want to, but I do need some financial reprieve. I was hoping to get some help with Husky C or MED-Connect, but I do not qualify based on the limits. Realistically I would want to get financial help so that I can work 4 days a week instead of 5, and use the 5th day as a sort of “health work day.”
Because of my CP, a sleeping disorder, pain levels, etc., I’m often too exhausted to work an extra 6th day for my medical care. This does not take into account helping family members with other health needs either, which I have to do about once a week. I am in the process of applying to new jobs with higher salaries so that I could maybe pay for assistance with my care coordination and household duties, however, this has been a long endeavor and unfruitful thus far.
I feel that the government income limits to qualify for assistance are far too low. I had to get an apartment that had higher monthly payments because I needed certain accommodations available within the home, that were not available with lower-priced rents at the time. Between the cost of living and medical bills, it is not sustainable for me to cover all these payments myself, let alone work a little less and still receive supplemental pay. Does anyone know of any other way to receive financial assistance? Also, is there anything I can do to help change these government limits?
I find it frustrating that the government expects me to function at a normal person's level when I’m not. I have needs that, while they do not prevent me from working entirely, make it extremely challenging to work a full-time job, take care of my health enough to live and get by, and pay for the cost of all these medical bills with no assistance. I feel that there should be lower income/asset limits because I don’t qualify for Hucky C or MED-Connect, and I also don’t qualify for state programs for people with disabilities that could help me with the day-to-day activities that I struggle with.
I feel that these limits do not take into account the cost of medical bills, nor housing needs costs. They assume a higher salary means disposable income, meanwhile, I have a higher salary and am accruing massive debt as a result of my medical needs. Please let me know if you know of anything I could do to receive some kind of financial help or free resources for assistance with daily tasks. Also, if there is anything I could do to help make a difference in getting these limits changed, I’m happy to assist however I can. I feel that I should not be tossed aside and refused help from the government, just because it “looks” like I have enough money. I would expect that as a tax-paying citizen, if the government wants me to continue to function as a working member of society, I should have resources available to me, regardless of income.
TL;DR, By government standards in CT, I make too much money to qualify for help, but I am actually going into debt because of the cost of medical bills. Does anyone know of good/free resources for people who do not qualify for assistance? Looking for financial assistance and/or help with day-to-day tasks for people with disabilities. Thanks!
submitted by briana_elizabeth13 to CerebralPalsy [link] [comments]


2023.03.21 19:39 Gaming_N_Whiskey Bardstown Trip Recap

We regularly see posts in bourbon asking for Bourbon Trail trip recommendations. My wife and I just returned from a trip to Bardstown, and I wanted to offer you guys some feedback on our experiences. Hopefully you will find them useful for planning your own trip to Bardstown.
First, a very special "thank you" to u/Old_Riff_502 . Old Riff always posts very useful information in the forums. I also privately messaged him and I was amazed with the amount advice that he provided on the area. I don't think we would have had nearly as a excellent of a trip had it not been for him. Thank you again!
Hotel: We stayed at the La Quinta Inn & Suites from Wednesday evening until Sunday morning. The hotel was new, clean, and offered free breakfast every day (although we never actually ate it). The hotel is easy to get in and out of. It seemed like we were only a five minute drive away from anywhere we were trying to go. However, it's not very centrally located. You're not walking anywhere important from the hotel. The other knock on the hotel (and this seems more just industry standard these days), is that we never had anyone come in to do a room refresh at all during our trip. Nobody took out the trash, refreshed room coffee, or soaps/shampoos. That being said, I would not mind staying here again at all!
Distilleries (listed in order or preference):
Restaurants/Food (listed in order or preference):
Overall: We had a wonderful trip. We really enjoyed our time at Bardstown. Old Riff and the advice he provides on this forum is invaluable! Listen to this dude. There was a couple that hired a driver one day and we saw them at four of their five stops (the only thing they did that we didn't was they did a chocolate pairing at Lux Row). They paid $900 for their chauffeured experience! Ours basically cost us the price of admission plus a few hours poking around on Reddit's boards and distillery websites.
A few tips for those considering a visit to Bardstown:
Anyway, that's all I've got! If you're planning on visiting Bardstown anytime soon, I'm genuinely envious. It's a wonderful place. Thanks for reading!
submitted by Gaming_N_Whiskey to bourbon [link] [comments]


2023.03.21 19:39 Tempestry358 Help deciphering sets of numbers (Long Post)

TLDR; I have a big list of numbers I think is a conversation that I need help deciphering (please scroll for listof numbers)
Alright so for a large portion of my life I have noticed numbers and patterns in numbers, but as of recently they have been coming non-stop one after another and I have been trying to write them down as I have read countless times it's a form of communication, well after spending a day just writing down the sets of numbers and looking at the final page at the end of the day I do notice a couple things and in the back of my head It keeps nagging at me that I'm missing something.
I'm not very knowledgeable in this field and don't understand what the numbers mean on their own but something tells me if even I could get a rough idea of the individual numbers maybe it will turn into and look like a conversation.
Here is the list of numbers, any of them that have a "?" Are numbers that I'm unsure of wether they actually carry meaning it just seemed odd that I noticed the number, I will put a small explanation next to those numbers describing how the number came about maybe it will help having the context.
These are all from 3/3/23,
1133, 1445, 222, 123, 422, 19, 511, 37? (Was adjusting the volume on TV and felt attracted to this), 515, 622, 714, 722, 744, 88.7? (This is the radio station I use for my Bluetooth in the car), 844, 911, 1010, 1022, 1011? (This I watched change from 1010-1011 and was unsure if it would count or not so marked it down), 329? (Gas prices at the time don't know why marked it anyway), 788? (Amount paid on receipt), 1033.
Most of these numbers are times from random clocks others are prices some I had seen on signs out in town. Any help deciphering any of this would be extremely helpful and would be met with eternal gratitude.
Currently I'm struggling hard it seems like the more I cut in terms of expenses to be able to sustain myself and fiancé the more we struggle with less and now I'm at a point where my logical brain doesn't seem to be helping me get through the challenges anymore and at this point I'm looking into anything and everything that can be helpful. I know I'm not on this planet to sit and suffer until the day my physical body dies, that's not my path and the feeling of needing to do more has resonated with me for almost as long as I can remember and now it just feels like I'm being punished for not knowing what path to take.
Anyway sorry for the long post, but any help of any kind really will be appreciated.
Edit: Added coma's to list for readability.
submitted by Tempestry358 to numerology [link] [comments]


2023.03.21 19:37 jarofjewels Should I fix up my high mileage prius or get a new (used) car?

Hey all,
I currently drive a 2011 Toyota Prius 3rd gen, and its been rough. I can say she's never left me stranded but since her purchase back in 2019 shes had to have the hybrid battery replaced (under warranty), blew a head gasket and had to have the engine replaced with one that had about 100,000 miles just last year, and the brake accumulator is now malfunctioning, which would cost another 1800 or so to fix (no longer covered by toyota recall). The car still looses coolant randomly and no mechanic has been able to tell me why, so I'm nervous there's something going on with the engine again. Currently at 187k I'm not leaping to put anymore money into it, but the currently car market is making me very hesitant.
If I were to replace her I'd be looking at either a used 2005-2013 Tacoma or 2016-2019 Outback, the considerstions being I would want to be able to use it for an outdoor lifestyle, haul kayaks, be able to handle sketchy back roads, and have plenty of cargo space to camp in. The tacoma seems like an obvious choice but the prices for a 10-15 yo truck are insane, and I live in NY, so anything over 10 years old is most likely got extensive rust rot on the frames. I also am looking at a new job, and might require around a 2 hour commute a day so gas mileage is definitely a consideration. A 4cyl outback would fill in the gap for better gas mileage while still offering cargo space and awd, but less reliable than the tacoma.
I'm just pretty torn on whether I should just fix up the prius and ride it out hoping that nothing else goes wrong and wait until prices and interest rates go back down, or if I should cut my losses and get something else. Thoughts?
submitted by jarofjewels to whatcarshouldIbuy [link] [comments]


2023.03.21 19:28 briana_elizabeth13 Good resources for people with disabilities?

Hi all, I'm a 30-year-old woman with multiple long-term chronic health conditions, including cerebral palsy, epilepsy, and more. My CP is fairly mild, all things considered. I used to have braces on my legs as a child, but I continue with regular physical therapy so that I can appear as normal as possible. I have about three medical appointments a week for my multiple conditions.
I work for a major university in CT and make what should be a decent salary; however, last year I spent roughly 36% of my salary on medical bills. This left me with about $27k in income after taxes, and my rent is $2200. This means with only my medical bills and rent paid, I have no additional money to spend on utilities, car payments, gas, food, savings, assistive technologies, self-care, or personal spending, which ends up putting me into anywhere between $1000-$2000 in debt a month. Right now, I am incredibly lucky to have my family's partial assistance with payments, and will soon be cutting that cost down by moving in with my boyfriend, however, I struggle immensely to get by.
I am having a difficult time keeping up with my full-time job because my weekly medical care takes about 8 hours minimum. This essentially adds an additional work day for me, just for my health and to stay alive without excruciating chronic pain. I am independent and high functioning enough to work so I cannot go on full disability, nor do I want to, but I do need some financial reprieve. I was hoping to get some help with Husky C or MED-Connect, but I do not qualify based on the limits. Realistically I would want to get financial help so that I can work 4 days a week instead of 5, and use the 5th day as a sort of “health work day.”
Because of my cerebral palsy resulting from stroke, a sleeping disorder, and pain levels, I’m often too exhausted to work an extra 6th day for my medical care. This does not take into account helping family members with other health needs either, which I have to do about once a week. I am in the process of applying to new jobs with higher salaries so that I could maybe pay for assistance with my care coordination and household duties, however, this has been a long endeavor and unfruitful thus far.
I feel that the government income limits to qualify for assistance are far too low. I had to get an apartment that had higher monthly payments because I needed certain accommodations available within the home, that were not available with lower-priced rents at the time. Between the cost of living and medical bills, it is not sustainable for me to cover all these payments myself, let alone work a little less and still receive supplemental pay. Does anyone know of any other way to receive financial assistance? Also, is there anything I can do to help change these government limits?
I find it frustrating that the government expects me to function at a normal person's level when I’m not. I have needs that, while they do not prevent me from working entirely, make it extremely challenging to work a full-time job, take care of my health enough to live and get by, and pay for the cost of all these medical bills with no assistance. I feel that there should be lower income/asset limits because I don’t qualify for Hucky C or MED-Connect, and I also don’t qualify for state programs for people with disabilities that could help me with the day-to-day activities that I struggle with.
I feel that these limits do not take into account the cost of medical bills, nor housing needs costs. They assume a higher salary means disposable income, meanwhile, I have a higher salary and am accruing massive debt as a result of my medical needs. Please let me know if you know of anything I could do to receive some kind of financial help or free resources for assistance with daily tasks. Also, if there is anything I could do to help make a difference in getting these limits changed, I’m happy to assist however I can. I feel that I should not be tossed aside and refused help from the government, just because it “looks” like I have enough money. I would expect that as a tax-paying citizen, if the government wants me to continue to function as a working member of society, I should have resources available to me, regardless of income.
TL;DR, By government standards, I make too much money to qualify for help, but I am actually going into debt because of the cost of medical bills. Does anyone know of good/free resources for people who do not qualify for assistance? Looking for financial assistance and/or help with day-to-day tasks for people with disabilities. Thanks!
submitted by briana_elizabeth13 to Connecticut [link] [comments]


2023.03.21 19:18 crazyburneraccount America Rant: It's not just the "politicians" or "sensitive kids"

Contrary to popular belief, the so-called "United" States of America is not the freest country in the world. Not even moderately free!!! But here's the thing though, it's not just politicians that try to give this country a bad name.

America is only a free society compared to those run by actual dictators in authoritarian countries like Russia, China, Venezuela, etc. Even compared with collectivist homogenous societies like Italy and Saudi Arabia, America is a joke full of misinformation in the mainstream media and scare tactics used by supposedly God-fearing parents to hurt their children. Henry Ford is still taught in schools as a legend, when he was literally the only American to have been praised by the contemporary German Chancellor before World War II.

At or before the age of 12, I began to realize that this "free" shit-tier country was full of capitalistic corruption with a shitty school system and assholes for teachers too concerned attempting to get too involved in their students' personal lives. I was semi-ignorant of politics and racial issues at the time, even. All this "zero tolerance" BS for bullying and drugs.

Other countries, including Canada and Mexico, are laughing at us. American parents (mostly Christian and/or Republican) expect their kids to follow all aspects of whatever their own vision of "mainstream society" tells them to do, unless a part of that vision goes against their agenda. Opinions are considered or implied as "facts", and facts as "opinions".

America's overton window has shifted so far right over the last four decades that its "solid-left" (Biden, Harris, Newsom, Pelosi, etc.) is unofficially the equivalent to Germany and the UK's center-right. Funny thing is **I say this as someone who voted for Trump over Biden**, yet no one believes me when I spread the truth about the so-called "left-wing" in America. It's why I laugh (at least in my head) at my family members when they proclaim to be "centrists" or "independents."

Parents and teachers openly pick favorites, as it's considered "normal" in America. All this fake patriotism talk. The politicalization of religion and sports. America is a globalist country wearing a nationalist suit, that Henry Ford's racist and antisemitic "ideas" inspired countries from all over the world such as Germany and South Africa; and George W. Bush (the man behind ... well, y'know) literally pressured pastors and The Salvation Army to convert people in African countries (such as Rwanda) to Christianity.

Many kids become "sensitive" or "spoiled" or "bratty" (the correct term is "scarred") for the rest of their lives because their parents instill fear in them at a very young age (usually 5-11). This is considered "normal" behavior from the "parents" in North American (particularly US and Mexican) cultures.

Some countries in Europe, especially Sweden and Finland, are much happier places to live in than the US. Universal healthcare at no cost, universal college at a semi-no cost (even the government makes the students pay very little in taxes).

When my fellow Americans rant about inflation, gas/egg prices, etc., it doesn't affect what I do in my daily life. These f*ckers are broke as hell. Who cares about price. Especially when billionaires are starving some of us to death. Unless you're on some SSI or EBT shit, the government won't take any student seriously. Here's the funny part, you can't earn more than a certain amount per month and definitely not on a debit card. The government is the most ableist and classist sector of this entire country.

Age is treated like a numbers/market value/hierachal type'a game even outside of hot topics like consent.

Parents tell their kids not to be racist, while also spouting lowkey ethnonationalistic and blatantly homophobic, transphobic, and fatphobic BS. Total f*cking hypocrites.

I'm done ranting about America and the conservatives. Also to the hardline progressive side: Family Guy, South Park, and stand-up black comedy are not real-life 🤡
submitted by crazyburneraccount to Rants [link] [comments]


2023.03.21 19:02 Prairiegentleman HVAC Advice RE: HRV Replacement

Hey guys,
Question for HVAC techs of the Winnipeg sub.
I Bought a 1 3/4 story 1500 sqft house that has a new Bryant gas furnace and has a 98 Lifebreath 155MAX and associated ducting that is inoperable (motor seized and I've been told by Mr Furnace and ECCO getting parts is out of the question).
My question is is getting a new 155MAX worth it? I've priced it out online at about 1200 bucks for the unit and 100 bucks for the digital control but is it necessary to replace the unit? I'm vaguely familiar with what an HRV does to exchange stale for fresh air but I'm unsure if it's worth fixing.
Thank you for any replies.
submitted by Prairiegentleman to Winnipeg [link] [comments]


2023.03.21 19:02 Professional_Disk131 Enterprise Group, Inc (TSX: E OTCQB: ETOLF) Surpasses Analyst Estimates With Robust Earnings

Enterprise Group, Inc (TSX: E OTCQB: ETOLF) Surpasses Analyst Estimates With Robust Earnings
Enterprise Group, Inc (TSX: E OTCQB: ETOLF) (the “Company” or “Enterprise”). Consolidator of energy service (including specialized equipment rental to the energy/resource sector) emphasizes technologies that mitigate, reduce, or eliminate CO2 and Green House Gas (GHG) emissions for small local and Tier One global resource clients.

https://preview.redd.it/ehpnx7ght4pa1.png?width=325&format=png&auto=webp&s=f74b7fba9a246b2da6147b2de52e7e268df7e0c7
The Company’s Q4 and 2022 YoY earnings against the equivalent periods of 2021 are nothing short of exceptional. And the Company said that Q1 2023 is also shaping up to be very robust.
Audited numbers don’t lie.
Take a moment and digest these stats. If you own the shares, you should be impressed. If not, consider a second look. Once viewed, take in the Company’s very recent Letter to Shareholders detailing the impressive growth potential of the Canadian Oil and Gas industry. Enterprise is a significant source of on-site infrastructure supply and management that facilitates growth.
Here are the numbers. The comprehensive earnings can be seen in Monday morning’s comprehensive Press Release (March 20/23). The most exciting stat compares the YoY 2021 per share loss of (0.05) cents to the equivalent 2022 gain of 0.05 cents: A 200% movement of an overall 10 cents.
Enterprise shares trade at approximately CDN$0.40. For Investors and Shareholders, the Company keeps its LinkedInpage up to date with articles, videos, and commentary. Consider a Follow.
As well, the Company’s YouTube page is very informative. There will be new videos later this week.
OVERALL PERFORMANCE AND RESULTS OF OPERATIONS

https://preview.redd.it/unxtz57jt4pa1.jpg?width=1776&format=pjpg&auto=webp&s=e3eb3f30241f55e8aacb41cd7098b1db1f9ab82f
(1) Identified and defined under “Non-IFRS Measures.”
(2) The Canadian Emergency Wage Subsidy and Rent Subsidy Programs ended in October 2021.
To provide further comparability to pre-COVID operations, the Company has presented adjusted gross margin and EBITDA to reflect the results of operations without any subsidy programs.
Enterprise Group Growth Points: FY 2022
· Higher capital spending in the energy industry and increased customer activity levels have resulted in improved results. During the year, Enterprise secured additional supply and services agreements with three of its tier-one clients, contributing to improved operating results.
· The Company believes its stock remains undervalued as the Company’s book value is $0.68 per share. In addition, the Company has available tax losses of $0.17 per share and is developing a consolidated tax plan to utilize those losses. Management will continue to be aggressive in acquiring its shares.
· During the year, Enterprise secured additional supply and services agreements with three of its tier-one clients, contributing to improved operating results.
· During the year ended December 31, 2022, the Company purchased and cancelled 1,799,000 shares at $714,614, or $0.40 per share. These shares had a carrying value of $1.36 per share for $2,445,077, which has been removed from the share capital account. Since initiating the share buyback program, the Company has purchased and cancelled 10,057,500 shares at $2,391,560 or $0.24 per share.
· For the year ended December 31, 2022, the company generated cash flow from operations of $5,910,830 compared to $3,500,869 in the prior year. This change is consistent with the higher activity during the year — equipment fleet to meet customer demands.
· After year end on January 23, 2023, the Company’s common shares began trading on the OTCQB Venture Market under the ticker ETOLF. This listing will help to increase Enterprise’s visibility and accessibility to a growing audience of U.S. investors.
Bottom Line
There is the argument that Enterprise’s numbers are nothing short of extraordinary (use your own adjective). And the coming year, courtesy of increased Oil and Gas Capex spending, stellar management, and new clients with business expansion among existing, including Tier One concerns. As noted in the recent LTS:
Over one year, the Company’s share price rose 40 plus percent, from 26 to 46 cents, a new high. For comparison, S&P lost 19.4%, the Nasdaq gained 8.7%, and the Dow was down almost 9%.

https://preview.redd.it/91069v5lt4pa1.jpg?width=379&format=pjpg&auto=webp&s=21fc21f8fde22977b29248b4e4e140b69140983c
It seems the Company is gaining horsepower, eyeballs, and growth as well as a proxy for the exceptional CAPEX growth.
Stay tuned closely, as Q1 2023 is coming.
submitted by Professional_Disk131 to 10xPennyStocks [link] [comments]


2023.03.21 19:01 Professional_Disk131 Enterprise Group, Inc (TSX: E OTCQB: ETOLF) Surpasses Analyst Estimates With Robust Earnings

Enterprise Group, Inc (TSX: E OTCQB: ETOLF) Surpasses Analyst Estimates With Robust Earnings
Enterprise Group, Inc (TSX: E OTCQB: ETOLF) (the “Company” or “Enterprise”). Consolidator of energy service (including specialized equipment rental to the energy/resource sector) emphasizes technologies that mitigate, reduce, or eliminate CO2 and Green House Gas (GHG) emissions for small local and Tier One global resource clients.

https://preview.redd.it/0rdncyyat4pa1.png?width=325&format=png&auto=webp&s=eabc6e2776a31210a2049f4b6a0e003b69841504
The Company’s Q4 and 2022 YoY earnings against the equivalent periods of 2021 are nothing short of exceptional. And the Company said that Q1 2023 is also shaping up to be very robust.
Audited numbers don’t lie.
Take a moment and digest these stats. If you own the shares, you should be impressed. If not, consider a second look. Once viewed, take in the Company’s very recent Letter to Shareholders detailing the impressive growth potential of the Canadian Oil and Gas industry. Enterprise is a significant source of on-site infrastructure supply and management that facilitates growth.
Here are the numbers. The comprehensive earnings can be seen in Monday morning’s comprehensive Press Release (March 20/23). The most exciting stat compares the YoY 2021 per share loss of (0.05) cents to the equivalent 2022 gain of 0.05 cents: A 200% movement of an overall 10 cents.
Enterprise shares trade at approximately CDN$0.40. For Investors and Shareholders, the Company keeps its LinkedInpage up to date with articles, videos, and commentary. Consider a Follow.
As well, the Company’s YouTube page is very informative. There will be new videos later this week.
OVERALL PERFORMANCE AND RESULTS OF OPERATIONS

https://preview.redd.it/qrvjtghdt4pa1.jpg?width=1776&format=pjpg&auto=webp&s=c528f1114735557625335fbbf124dc9079176cf4
(1) Identified and defined under “Non-IFRS Measures.”
(2) The Canadian Emergency Wage Subsidy and Rent Subsidy Programs ended in October 2021.
To provide further comparability to pre-COVID operations, the Company has presented adjusted gross margin and EBITDA to reflect the results of operations without any subsidy programs.
Enterprise Group Growth Points: FY 2022
· Higher capital spending in the energy industry and increased customer activity levels have resulted in improved results. During the year, Enterprise secured additional supply and services agreements with three of its tier-one clients, contributing to improved operating results.
· The Company believes its stock remains undervalued as the Company’s book value is $0.68 per share. In addition, the Company has available tax losses of $0.17 per share and is developing a consolidated tax plan to utilize those losses. Management will continue to be aggressive in acquiring its shares.
· During the year, Enterprise secured additional supply and services agreements with three of its tier-one clients, contributing to improved operating results.
· During the year ended December 31, 2022, the Company purchased and cancelled 1,799,000 shares at $714,614, or $0.40 per share. These shares had a carrying value of $1.36 per share for $2,445,077, which has been removed from the share capital account. Since initiating the share buyback program, the Company has purchased and cancelled 10,057,500 shares at $2,391,560 or $0.24 per share.
· For the year ended December 31, 2022, the company generated cash flow from operations of $5,910,830 compared to $3,500,869 in the prior year. This change is consistent with the higher activity during the year — equipment fleet to meet customer demands.
· After year end on January 23, 2023, the Company’s common shares began trading on the OTCQB Venture Market under the ticker ETOLF. This listing will help to increase Enterprise’s visibility and accessibility to a growing audience of U.S. investors.
Bottom Line
There is the argument that Enterprise’s numbers are nothing short of extraordinary (use your own adjective). And the coming year, courtesy of increased Oil and Gas Capex spending, stellar management, and new clients with business expansion among existing, including Tier One concerns. As noted in the recent LTS:
Over one year, the Company’s share price rose 40 plus percent, from 26 to 46 cents, a new high. For comparison, S&P lost 19.4%, the Nasdaq gained 8.7%, and the Dow was down almost 9%.

https://preview.redd.it/gbepioset4pa1.jpg?width=379&format=pjpg&auto=webp&s=1d8fb35d7e8231e62c36ca7219c5900b5732035c
It seems the Company is gaining horsepower, eyeballs, and growth as well as a proxy for the exceptional CAPEX growth.
Stay tuned closely, as Q1 2023 is coming.
submitted by Professional_Disk131 to PennyStocksCanada [link] [comments]


2023.03.21 19:00 Professional_Disk131 Enterprise Group, Inc (TSX: E OTCQB: ETOLF) Surpasses Analyst Estimates With Robust Earnings

Enterprise Group, Inc (TSX: E OTCQB: ETOLF) Surpasses Analyst Estimates With Robust Earnings
Enterprise Group, Inc (TSX: E OTCQB: ETOLF) (the “Company” or “Enterprise”). Consolidator of energy service (including specialized equipment rental to the energy/resource sector) emphasizes technologies that mitigate, reduce, or eliminate CO2 and Green House Gas (GHG) emissions for small local and Tier One global resource clients.

https://preview.redd.it/5rhpbvl0t4pa1.png?width=325&format=png&auto=webp&s=8113ed3a4ad5a07ee86dfcc986f90e298c049713
The Company’s Q4 and 2022 YoY earnings against the equivalent periods of 2021 are nothing short of exceptional. And the Company said that Q1 2023 is also shaping up to be very robust.
Audited numbers don’t lie.
Take a moment and digest these stats. If you own the shares, you should be impressed. If not, consider a second look. Once viewed, take in the Company’s very recent Letter to Shareholders detailing the impressive growth potential of the Canadian Oil and Gas industry. Enterprise is a significant source of on-site infrastructure supply and management that facilitates growth.
Here are the numbers. The comprehensive earnings can be seen in Monday morning’s comprehensive Press Release (March 20/23). The most exciting stat compares the YoY 2021 per share loss of (0.05) cents to the equivalent 2022 gain of 0.05 cents: A 200% movement of an overall 10 cents.
Enterprise shares trade at approximately CDN$0.40. For Investors and Shareholders, the Company keeps its LinkedInpage up to date with articles, videos, and commentary. Consider a Follow.
As well, the Company’s YouTube page is very informative. There will be new videos later this week.
OVERALL PERFORMANCE AND RESULTS OF OPERATIONS

https://preview.redd.it/p018pzt1t4pa1.jpg?width=1776&format=pjpg&auto=webp&s=7ba6fe4d5d45e3133f4e078d77a88697555a5dac
(1) Identified and defined under “Non-IFRS Measures.”
(2) The Canadian Emergency Wage Subsidy and Rent Subsidy Programs ended in October 2021.
To provide further comparability to pre-COVID operations, the Company has presented adjusted gross margin and EBITDA to reflect the results of operations without any subsidy programs.
Enterprise Group Growth Points: FY 2022
· Higher capital spending in the energy industry and increased customer activity levels have resulted in improved results. During the year, Enterprise secured additional supply and services agreements with three of its tier-one clients, contributing to improved operating results.
· The Company believes its stock remains undervalued as the Company’s book value is $0.68 per share. In addition, the Company has available tax losses of $0.17 per share and is developing a consolidated tax plan to utilize those losses. Management will continue to be aggressive in acquiring its shares.
· During the year, Enterprise secured additional supply and services agreements with three of its tier-one clients, contributing to improved operating results.
· During the year ended December 31, 2022, the Company purchased and cancelled 1,799,000 shares at $714,614, or $0.40 per share. These shares had a carrying value of $1.36 per share for $2,445,077, which has been removed from the share capital account. Since initiating the share buyback program, the Company has purchased and cancelled 10,057,500 shares at $2,391,560 or $0.24 per share.
· For the year ended December 31, 2022, the company generated cash flow from operations of $5,910,830 compared to $3,500,869 in the prior year. This change is consistent with the higher activity during the year — equipment fleet to meet customer demands.
· After year end on January 23, 2023, the Company’s common shares began trading on the OTCQB Venture Market under the ticker ETOLF. This listing will help to increase Enterprise’s visibility and accessibility to a growing audience of U.S. investors.
Bottom Line
There is the argument that Enterprise’s numbers are nothing short of extraordinary (use your own adjective). And the coming year, courtesy of increased Oil and Gas Capex spending, stellar management, and new clients with business expansion among existing, including Tier One concerns. As noted in the recent LTS:
Over one year, the Company’s share price rose 40 plus percent, from 26 to 46 cents, a new high. For comparison, S&P lost 19.4%, the Nasdaq gained 8.7%, and the Dow was down almost 9%.

https://preview.redd.it/cq6ixh95t4pa1.jpg?width=379&format=pjpg&auto=webp&s=8a1511259a255c87a67e18f29f269d4cf8a375e3
It seems the Company is gaining horsepower, eyeballs, and growth as well as a proxy for the exceptional CAPEX growth.
Stay tuned closely, as Q1 2023 is coming.
submitted by Professional_Disk131 to SmallCapStocks [link] [comments]