Amex credit limit increase request

Credit Repair - Improve your credit, your score, and understand how to manage your credit

2008.12.05 06:42 Credit Repair - Improve your credit, your score, and understand how to manage your credit

CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more.

2011.08.25 21:29 Saiz12 Anime Wallpapers

Subreddit for Anime and anime-style wallpapers.

2014.12.02 18:45 Anime Phone Wallpapers

Subreddit dedicated exclusively to anime background images designed for mobile phones.

2023.05.28 18:06 Actual_Scratch_9821 gg wp

More Memes at :
submitted by Actual_Scratch_9821 to LatestGamingNews [link] [comments]

2023.05.28 18:03 shicoletto PMU Completion Update

I made a post about a PMU around 2 weeks ago ( and finished it last night. It took a bit longer than I expected but it’s because I’ve (successfully) been trying to touch grass. Anyway, feel free to check out the screenshot for stats and some bonus Citrinne, Clanne, and Lindon content I left my thoughts on how each unit turned out below. It was on Hard Classic and all units are around internal level 40 giver or take 1 level (except Mauvier who just got those 9 levels after reclassing). I did grind for second seals early through relay trials because I wanted everyone to be in their new classes ASAP, so that gave me extra SP books and forging materials to work with. Thanks to everyone who commented builds on my last post!
Alear - Swordmaster - Chrom (Canter+/Sword Power 5)
Fun Facts: 8 MVPs (tied for 2nd), 84% wins to battles ratio (2nd)
Pretty great combat. He was getting HP and Str screwed (based on averages) in the early game so I did feed him some stat boosters to make up for it and he wound up great. Chrom was great for a free 1-2 range option and the ability to hit on res. Rally Spectrum was incredible utility and pushed other units into thresholds they were just missing countless times. I did compare the averages between sword master and divine dragon and DD is better at almost everything but speed so if you want sword Alear you should probably stick with that class for the stats and dragon tag.
Bunet - Halberdier - Eirika (Break Defenses/Lance Power 5)
Fun Facts: 8 MVPs (tied for 2nd), 83% wins to battles ratio (tied for 3rd), Highest HP (62) , 2nd Highest Def (33) & Lck (26 *Capped), 3rd Highest Str (29) & Dex (34)
One of my best combat units. In fairness I did cheat a little (since I was giving him the pact ring) and gave him starsphere until I got Marth back for break defenses. One of my best combat units. When he got pincer attack he did great work using it, but then he kept leveling up str and spd. Eventually I stopped setting it up for him and he would kill with 2 or 4 brave lance hits and never had issues due to high dex and an accuracy engrave. Also surprisingly bulky in def. Break defenses was a recommendation from the comment who suggested him and it did help with the faster swordmasters and heroes in the last chapters. Of course Eirika pulled a lot of weight and this was my first time using a Halberdier but I was very happy with his performance.
Clanne - Sniper - Marth (Canter+/Speedtaker)
Fun Facts: 9 MVPs (1st), 83% wins to battles ratio (tied for 3rd)
Easily one of the best units of the run and it showed. His only problems were his low build and he was speed screwed until the very late game. I gave him speed taker to make up for that and he did great. He honestly didn’t really need to double most enemies because his crit rate was consistently 70%-90%. He had 102 crit in endgame with No Distractions active. He also had great Str for an archer. Would recommend trying him out if you haven’t.
Chloe - Hero - Byleth (Canter+/Dual Assist+)
Fun Facts: 2nd Highest Spd (35), 3rd Highest HP (59)
Put in work early game, but combat fell off pretty hard. She did decent chip with the levin sword and could clean up damaged enemies. Once I got Byleth, most of that didn’t matter much though. She spent most of her turns rallying str and dancing which was invaluable. Brave assist & Dual assist+ was incredible support though, and helped a lot of other units get kills. All in all nothing notable and most units could fill the same role in this class.
Alcryst - Thief - Leif (Canter+/Draconic Hex)
Incredibly underwhelming. Serviceable combat early on but fell off hard. Could only ever kill with crits which are harder to stack on daggers and even then it wasn’t guaranteed. He also got stuck with probably the worst emblem in the game. Maybe he could’ve been used better or gotten better skills, but his stats weren’t giving me much to work with. The best utility he had was giving a hit support to Fogado who did everything Alcryst did but infinitely better (see Fogado’s section).
Lapis - Wyvern Knight - Tiki (Canter+/Level Boost)
Fun Facts: Highest Str (33), 2nd Highest Spd (35), 3rd Highest Def (28), Most RNG screwed (-7 total to stats calculated with starsphere)
She was definitely a good unit, but she did feel underwhelming for being arguably the best physical class in the game + starsphere. Her build was so bad that she carried her refined & engraved steel sword from the early game so she could double enemies (She got 2 of her bld levels after Ch22). Stronger weapons often weighed her down enough that she couldn’t double. Tiki helped with that a bit though she often still relied on eternal claw crits (which her personal works against). Being my only natural flier was nice though.
Citrinne - Martial Master - Lucina (Canter+/Lunar Brace+)
Fun Facts: 2nd Highest Res (33) & Lck (26)
100% bonded shield procs for every ally, what more can I say? For real though, that was good enough utility that she was worth deploying whenever I could. Staff utility also came in handy a lot. I was excited about making her combat ready with FFA (hence Lunar Brace+) but she honestly let me down. She wasn’t quadding almost anything, even after 3 (I think) Speedwings. She was also incredibly squishy, though I was able to stack avoid to stop enemies from targeting during bonded shields. If you want a MM nuke, definitely pick someone faster with more balanced mag & str.
Amber - High Priest - Veronica (Mag+5/Staff Proficiency 5)
Fun Facts: 3 MVPs (All Fell Xenologue), 62% wins to battles ratio, Highest Lck (28), 2nd Highest Str (30* Capped)
Functioned as a great staff bot. Fortify+ on Veronica with Staff Proficiency 5 was my “Great Sacrifice at home,” though he could do it every engage turn. His combat was actually decent early on due to reprisal, but his speed was garbage and he wasn’t able to equip better weapons due to class limitations. Book of worlds helped with freezing some enemies and he did decent chip safely with elthunder. He was my only staff unit that I didn’t try to make combat effective and he didn’t need to equip a healing staff thanks to Veronica so that was nice. I would still rate him 10/10 because of those High Priest hips alone though.
Jade - Great Knight - Camilla (Canter+/Axe Power 5)
Fun Facts: 6 MVPs (3rd), Highest Def (42), 3rd Highest Str (29)
This is definitely one of the less out there builds, but she did make my life a lot easier. A 10 move flier with incredible defense was great to have. She one shot A LOT of enemies with Dark Inferno using a unrefined, Ike engraved silver great axe. Thanks to the speed levels she was getting and Camilla’s bonus she was actually doubling some midgame enemies and matched/outsped most of my other units for a bit. Camilla’s res, HP, and Camilla’s axe also kept her safe against magic enemies. She also did fairly well with Camilla’s bolt axe. Her biggest flaw was low hit rates, but she was always able to eventually clean up or safely draw enemies for allies to finish off. Would recommend trying this build if you like Jade.
Nel - Sage - Soren (Canter+/Draconic Hex)
Fun Facts: 2nd Highest Magic (33) & Res (33), 3rd Highest Lck (25)
Great magic combat unit. Fast enough to double most enemies up till late game, only because Sage’s speed cap wouldn’t let her get higher than 30. She also capped HP and Def, which made her bulky enough to Flare tank with Soren. Otherwise, she was doing decent chip and debuffing with bolting/cataclysm, anima focus, and Draconic Hex. Useful staff utility when she wasn’t doing combat too. If you would like to build her for offense I would help keep her Spd up or increase her Mag a bit since I did use most of my Spirit Dust on her.
Zelkov - Hector - (Canter+/Gentility+)
Fun Facts: 3rd highest Spd (33)
Honestly wasn’t super sure how to use him. He’s in a fast class, but has the slow and bulky emblem. Quick Riposte did help against some faster enemies and other Wolf Knights but it was mostly useless. The bulk and Impenetrable was somewhat helpful and the Wolf Beil was nice for effective damage. Most of my good axes went to Jade and Lindon though so he was stuck with a forged & refined Silver dagger. He did get his job well most of the time, but it’s also not a huge. At the end of the day, Wolf Knight is basically thief with slightly more HP, Spd, Res, and Lck and slightly less Str, Dex, and Def.
Fogado - Mage Cannoneer - Corrin (Canter+/Divine Pulse+)
Fun Facts: 3rd Highest Res (25*Capped)
My first mage cannoneer was incredibly satisfying to use. Hit rates were very shaky at first, especially since I declassed him right away and his stats weren’t great, but he made excellent contributions once he got Corrin and Divine Pulse. He stopped needing to rely on supports to hit and chip/debuff. Venom blast afflicts 3 stacks of poison, making daggers way less useful. Freeze blast and break blast also came in handy plenty of times, though they’re lest reliable as it’s only a 50% chance for those effects. You don’t actually need damage for the effects to occur, which is nice. 8 range AOE freeze with Corrin saved me more times than I can count. Canter helped him not fall behind, especially since he can attack an enemy almost every turn with 8 range. Effective canons that you can choose based on map composition help guarantee decent chip too. 10/10 would love to use a Mage Cannoneer again. Other units might be better suited though, since Fogado's personal str & dex growths aren't super high.
Lindon - Berserker - Ike (Reprisal+/Vantage+)
Fun Facts: 87% wins to battles ratio (1st). 2nd Highest HP (61)
Haha funny crit man. He literally got to 100 crit on the first map after recruiting him. I did use Eirika engrave for his killer axe instead of Corrin or Camilla. It gives 10 less crit, but it gives 40 hit, which he desperately needed and it doesn’t lower might. He capped his dex at 22 and that’s not nearly enough to get above 60-70 hit on most enemies. He also had so much HP that it was optimal to get crit on multiple occasions since he didn’t die and it got him in wrath/vantage/reprisal range. He did need Reprisal though, because his str isn’t high enough to oneshot some enemies even with crits. Vantage+ was for when he had more than 60 HP wich happened quick with the Ike bonus. It makes the Vantage range easier to set up and he still gets maximum Wrath and enough Reprisal. For those uninitiated, here’s the crit stacking break down: Killer Axe +5 (40) + Eirika Engrave (20) + Weapon Insight (20) + Wrath (30) + 22 Dex (11) = 121 Crit. I would recommend Warrior though since it has higher dex, spd, def, and res caps.
Mauvier - Mage Knight - Celica (Speed+5/Canter+)
Fun Facts: Highest Mag (34) & Res (36)
This is one of the best classes for him. He has excellent magic and this class helps his speed issues. I also gave him Spd +5 which allowed him to double basically everything, especially with all my Draconic Hexers and Rally Spectrum from Alear. He cleaned up the endgame for me with little to no issues. He also caps HP and build upon reclassing, and capped defense soon after. 11/10 I love this man and I wish we could use him for longer. Wish I wasn’t tech illiterate so I could use him in reverse recruitment or a randomizer.
If you kept reading this long thanks for hearing my thoughts! I had tons of fun with this run and it was a chance to use some units and builds I never would’ve otherwise. I’m definitely thinking of doing another one somewhere down the line prioritizing units, classes, and emblems that weren’t picked this time.
submitted by shicoletto to FEEngage [link] [comments]

2023.05.28 18:02 Historical_Month6770 CREDIT GIVEAWAY WINNING GAME!

🎉✨ Finalllly got a winning credit giveaway board!!💃 please click if you can!!
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submitted by Historical_Month6770 to TEMU_Canada [link] [comments]

2023.05.28 18:01 Historical_Month6770 CREDIT GIVEAWAY WINNING GAME!

🎉✨ Finalllly got a winning credit giveaway board!!💃 please click if you can!!
Plz accept my invite! Click & Get your own CA$100
submitted by Historical_Month6770 to TEMU_Canada [link] [comments]

2023.05.28 18:01 AutoModerator How To Choose What I will be Best Hosting For Your Website

Choosing the right web hosting provider for your website is crucial to ensuring that your site is stable, fast, and secure. With so many hosting options available, it can be overwhelming to know where to start. In this article, we will outline the key factors you should consider when choosing a hosting provider that is best suited for your needs.

Understand Your Hosting Needs

The first step in selecting a web hosting provider is to understand your website's hosting requirements. Consider the size of your website, the amount of traffic you expect, and the types of files you will need to host. For instance, if you plan to have a large website with heavy traffic, you will need a hosting service that can handle the load.
If you are just getting started and do not anticipate a lot of traffic or data storage needs, shared hosting may be a good option. Shared hosting is typically the most affordable hosting solution as multiple websites share the same server resources. However, if you are planning on running an e-commerce site or storing sensitive customer data, consider a VPS or dedicated hosting, which provides greater security and more control over your server.

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Uptime refers to the amount of time that your website is up and available online. Downtime, on the other hand, is when your site is inaccessible due to server issues or maintenance. When selecting a hosting provider, aim for a minimum uptime guarantee of 99%.
In addition to uptime, reliability is another essential factor to consider when choosing a web host. You want a host that offers reliable service and has a track record of delivering quality performance. Look for hosting providers with a solid reputation in the industry, positive reviews from customers, and reliable support teams.

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Web hosting prices can vary significantly depending on the hosting type and provider. When comparing pricing plans, consider the features, uptime guarantees, and customer support offered. Understand the renewal rates and any additional costs associated with your hosting plan.
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Choosing the right web hosting provider is crucial to ensuring that your website is reliable, fast, and secure. When selecting a host, consider your website's needs, uptime guarantees, speed and performance, security features, support options, pricing plans, and scalability options. With these factors in mind, you can select a hosting provider that is best suited for your needs and provides a solid foundation for your online presence.
submitted by AutoModerator to hostingforwordpress [link] [comments]

2023.05.28 18:00 Kalico41 1095A Question

For 2022 my daughter was part of my family coverage through ACA for 1/22 through 3/22. For those 3 months I received premium credits which I knew I would have to reimburse due to my income last year not qualifying. I did not want to re register in December and again in March to remove my daughter, because the computerized system in my state is awful and I’ve had serious issues getting the correct info and coverage in the past. In March I removed my daughter and cancelled the premium credits for the balance of the year. Also made a 401K withdrawal and had extra withholdings taken to cover the $4,500 credits I had received.
When I filed through Turbotax it showed the reversal of the credits as I had anticipated. The issue I’m having is my daughter was insured through her employer staring in April and when I filed her taxes I had to allocate 0% of the 1095A to her return since her social was listed on the 1095A. On my return I did not list her social in the section for allocation since I was not aware of that allocation at the time.
She received an IRS inquiry letter requesting a copy of the 1095A and 8962, and I have mailed them. It’s the same as was filed through turbotax. I’m not anticipating this will resolve whatever is flagging on her return in their system.
My question is should I file an amended return for myself with her social as other taxpayer on the 8962 with 100% allocation to myself? I'm hoping it would cross reference between the returns if I did that. There would be no changes in Federal tax amount for either of us.
submitted by Kalico41 to IRS [link] [comments]


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submitted by Right-Locksmith-3607 to u/Right-Locksmith-3607 [link] [comments]

2023.05.28 18:00 rankt-bot [referrals] American Express Cash Magnet

Please post your referral link for the: American Express Cash Magnet below.
Only post your link once per thread. Duplicating your link or in anyway attempting to abuse the system will result in permanent ban.
American Express link formatting help: /churningreferrals/wiki/link-formatting#wiki_amex
Always be sure to double check that the referral you're using is for the product that you want and that it's the highest offer.
The person whose referral you are using may receive a bonus from the credit card issuer for your application.
You can browse the offers for all links by visiting their respective page:
Having issues? Please visit the Referral Problem Reporting Megathread
Mod note: Rankt scraper isn't working for Amex links at the moment, so all links will show as "no bonus" here. They should all actually have a bonus though.
submitted by rankt-bot to churningreferrals [link] [comments]

2023.05.28 17:59 TOWWTC Does Amex via PayPal Trigger Entertainment/Disney bundle credit?

I’ve seen old posts ask a similar question but has anyone confirmed whether their entertainment (Plat) or Disney bundle (BCE) triggers if you use PayPal? I just missed my billing cycle so I’ll have to wait til next month to verify it myself.
I’m aware it’s not guaranteed that your offers/benefits will trigger when using a payment processor such as PayPal.
submitted by TOWWTC to amex [link] [comments]

2023.05.28 17:59 waddlek Trying to explain a runaway prop to a non-aviation audience..

Please remove if this type of question isn't allowed.
I am working on a video about an aircraft crash from the 1950s that resulted in the loss of a Mark IV nuclear bomb. Two runaway props were determined to be the primary cause of the accident.
I am trying to find a way to explain constant speed props to a non-aviation audience. I would like some feedback on my explanation. Please let me know if this gets the point across or if I am missing something:
My Explanation:
Constant Speed or Variable Pitch propellors serve the same purpose as gears on your car or bicycle. The angle of the blades can be changed depending on the phase of flight and power requirements. The blade angle also controls the RPM of the engine. Setting a smaller, or finer, blade pitch angle produces a smaller force load on the engine, allowing the RPM to increase. At the same throttle setting, a larger, or courser, angle increases the force load on the engine, slowing the RPM. Turning the propeller blades to 90 degrees is referred to as feathering the prop. In this configuration the blades produce no thrust and induce the least about of drag possible.
A runaway propellor occurs when the governor controlling the blade angles fails. When this happens, the blades default to the fine pitch limit. This greatly reduces the load, and the engine will immediately overspeed. The rpm of an over speeding engine – sometimes referred to as a 'runaway prop' – will quickly go past red-line rpm and, unless immediately corrected, the engine is likely to self-destruct or the propeller blades will depart the hub due to the increased centrifugal force. The corrective action is to immediately reduce the throttle and slow the aircraft by pulling the nose up.
submitted by waddlek to flying [link] [comments]

2023.05.28 17:59 ExactBenefit7296 Electronic scoring options

I got a chat request for info on how I electronically score games and which tablet/pencil/software I use, so I thought I'd open a thread for others to chime in too (possibly with some pros/cons).
FWIW - I use a iPad mini 5th generation and matching 1st-gen Apple pencil and GoodNotes to score over my customized Reisner scorecard. Highly recommend GoodNotes especially as it's a one-time purchase for just $9.99 and isn't a subscription model for the app.
Downside on the mini specifically is that the GoodNotes toolbar is not configurable, so it requires scrolling in the toolbar to pick colors/weights on a mini due to its limited real estate. This is documented on their support site but it is a little annoying. Otherwise it's perfect for me in over 300 games scored that way in the last few years.
submitted by ExactBenefit7296 to BaseballScorecards [link] [comments]

2023.05.28 17:58 Tenebo [ARMA3][MAIN REPO] Operation: Coup le Dance - 24/06/23 19:00 UTC

Calendar Details:2023-06-24 19:00 Arma 3 Main Repo Coup le Dance



Where? PA Arma 3 Server
When? 19:00 UTC
Join the discord!
Get the mods through our html link, on the discord (in the "arma-info" channel)
When should I update the mods? As soon as you can, PM mods with issues.
Recommended reading:
If you have any issues with any of them, or anything really. Do not hesitate to contact me or any of the other helpers on Discord. Discord is the easiest way to get a hold of me.
Warning Order.
Event trailer.


General Charles Le Tour has been freed from imprisonment and his loyal officers are now actively plotting to overthrow the government.
The Northern Brigade, which was once the fallen general own brigade, has been placed under house arrest, while the Southern Brigade, led by what many see as Charles rival, has been tasked with assisting the government to maintain safety against a growing threat of rebellion. However, the government is unaware of the Southern Brigade's true loyalty.
The country is currently under a curfew, with the Gendarmerie and Republican guardsmen patrolling the streets and army personnel is setting up roadblocks around the capital. The smoke is thinking, and where there is smoke there are flames.

Main Objectives:

Map of AO




Use this in your slotting comment: IGN: SLOT: Alpha MG
Leadership roles will be given in priority to players who have been in at least 3 events at PA.
CO, squad leaders and special roles (All roles in bold letters) should join the TeamSpeak 30 minutes before the event starts for planning the mission.
If this is your first event with us we would also like to ask you to join 30 minutes early for a quick introduction to PA.


CO and NCO has the ability to request support from Tanakya Charlie.
CO and NCO has also the ability to request refuel and rearming from the train section.
The designated driver in the squad has the engineering trait and can provide lightly repairs in the field.
The medics may choice to remove their primary weapon and work solely as medics if they see the need for it. In this situation they will not be a target in the eyes of Opfor, the medic may choice to bear their sidearm in this situation to defend their wounded patients. Misusing this is breaking the rules of war and will have consequences.
The medics may choice to pick up their primary weapon again if they will continuum on after as combat medics.
Likewise, is the ambulance protected under the laws of war, and will not be a target of Opfor. The medics may use the ambulance to transport themselves from or to a location, or transport wounded personal out of the battle zone.
Following the laws of war;
o You cannot use the ambulance to transport troops to the AO, you can only use it to transport wounded out from it.
o You cannot use the ambulance to transport prisoners.
Breaking these rules will have consequences.


This list is not guaranteed to be up to date! Quickly look through the comments to ensure your slot hasn't already been claimed.

Platoon Charlie Alpha Player Loudout
Charlie Alpha Niner M151 “Mutt” Jeep
Platoon CO FAMAS F1M203 + LR
Platoon NCO FAMAS F1 M203 + LR
Medical Team Hilux Ambulance
Medical Officer P90 + Doctor
Medic P90 + Regular Medic
Medic [LOCKED] P90 + Regular Medic
Medic [LOCKED] P90 + Regular Medic
Charlie Alpha One M939 Guntruck
Squad Leader FAMAS F1 M203 + LR
Scout, 1.FTL M14
Light Support Gunner FN Minimi
Rifleman FAMAS F1
Rifleman FAMAS F1
Anti-Tank Gunner, 2. FTL FAMAS F1 + RPG-7V2
Anti-Tank Helper FAMAS F1
Light Support Gunner FN Minimi
Rifleman FAMAS F1
Rifleman, Driver FAMAS F1 + Engineering
Rifleman, Gunner TomoKIN FAMAS F1
Charlie Alpha Two M939 Guntruck
Squad Leader [LOCKED] FAMAS F1 M203 + LR
Scout, 1.FTL [LOCKED] M14
Light Support Gunner [LOCKED] FN Minimi
Rifleman [LOCKED] FAMAS F1
Rifleman [LOCKED] FAMAS F1
Anti-Tank Gunner, 2. FTL [LOCKED] FAMAS F1 + RPG-7V2
Anti-Tank Helper [LOCKED] FAMAS F1
Light Support Gunner [LOCKED] FN Minimi
Rifleman [LOCKED] FAMAS F1
Rifleman, Driver [LOCKED] FAMAS F1 + Engineering
Rifleman, Gunner [LOCKED] FAMAS F1
Charlie Alpha Three M151 “Mutt” Jeep
Squad Leader [LOCKED] FAMAS F1 M203 + LR
Scout, 1.FTL [LOCKED] M14
Light Support Gunner [LOCKED] FN Minimi
Rifleman [LOCKED] FAMAS F1
Rifleman [LOCKED] FAMAS F1
Anti-Tank Gunner, 2. FTL [LOCKED] FAMAS F1 + RPG-7V2
Anti-Tank Helper [LOCKED] FAMAS F1
Light Support Gunner [LOCKED] FN Minimi
Rifleman [LOCKED] FAMAS F1
Rifleman, Driver [LOCKED] FAMAS F1 + Engineering
Rifleman, Driver [LOCKED] FAMAS F1 + Engineering

submitted by Tenebo to ProjectAwesome [link] [comments]

2023.05.28 17:57 pacificinjurylawfirm Riding Without Protection: The Dangers of Motorcycle Accidents

Title: Riding Without Protection: The Dangers of Motorcycle Accidents
Hey Reddit community, as an attorney at Pacific Injury Law Firm in Portland, Oregon, I wanted to share some alarming statistics with you regarding motorcycle accidents. According to the National Highway Traffic Safety Administration (NHTSA), over 5,000 motorcyclists were killed in crashes in 2020 alone. This is a major public health concern that affects thousands of individuals and families each year.
One major factor contributing to these accidents is the lack of protective barriers between riders and the road. Motorcycles simply do not have enclosing structures, seat belts, or airbags like cars and trucks do. This leaves riders more vulnerable to injuries when involved in a crash.
Head injuries are one of the most common types of injuries suffered by motorcyclists. In 2020, over 1,500 motorcyclists were killed in crashes involving a head injury—accounting for almost 60% of all motorcycle fatalities. Other common injuries include road rash (abrasions from contact with pavement), back and spinal cord injuries—over 1,000 fatalities were recorded last year due to these injuries.
Alcohol and drug use also play a significant role in motorcycle accident rates; NHTSA data shows that 28% of motorcyclists killed in crashes had blood alcohol concentrations above the legal limit.
To address this issue effectively, helmets are considered one of the most effective interventions available. In fact, helmets saved over 800 lives in 2020 alone! Furthermore, they reduce head injury risk by up to an astonishing 37%.
Increasing public awareness about motorcycle riding risks is another important step towards reducing accident rates; educating people on helmet use and other protective gear while dispelling misinformation on alcohol/drug use while riding can lead us towards safer roads for everyone!
If you're interested in learning more about this topic or need assistance after being involved in a motorcycle accident, you can reach us at (971) 277-3811 or visit our website:
Feel free to read our blog post on this topic here:
Stay safe out there. #PacificInjuryLawFirm
submitted by pacificinjurylawfirm to u/pacificinjurylawfirm [link] [comments]

2023.05.28 17:56 RelyOnRich Demystifying Real Estate Investment Financing: Your Path to Success

Demystifying Real Estate Investment Financing: Your Path to Success
Embarking on real estate investments can be both exhilarating and overwhelming. One crucial aspect that can make or break your success is how you finance your ventures. Don't fret! We're here to guide you through the maze and empower you with the knowledge to make informed decisions. In this blog, we'll unveil the secrets of financing your real estate investments, while introducing you to Rich Barnes, a top realtor serving West Allis and Greenfield, WI. Let's embark on this exciting journey together.
  1. Assessing Your Financial Situation: Before diving into real estate investing, let's take a moment to evaluate your financial standing. Assess your assets, liabilities, credit score, and income sources. This step will provide a clear picture of your borrowing capacity and help you set realistic investment goals.
  2. Traditional Financing: Mortgages and Loans: The tried-and-true method of financing real estate investments involves traditional sources like banks and financial institutions. Take advantage of competitive interest rates and flexible terms by exploring mortgage loans. Remember to shop around for the best options that suit your needs.
  3. Creative Financing: Alternative Options: In addition to traditional financing, consider thinking outside the box to expand your investment opportunities. Rich Barnes, a trusted realtor with Realty Experts LLC, can guide you through alternative options such as seller financing, private lending, lease options, and partnerships. These creative avenues offer unique advantages and risks that require careful consideration.
  4. Real Estate Investment Trusts (REITs): If you prefer a more hands-off approach to real estate investment, REITs may be the perfect solution. Rich Barnes can introduce you to this investment vehicle, allowing you to invest in professionally managed, diversified property portfolios. With REITs, you can enjoy real estate investment benefits without the need for significant capital or active property management.
  5. Crowdfunding Platforms: Crowdfunding has revolutionized real estate financing, providing opportunities for both seasoned and novice investors. Rich Barnes can introduce you to reputable crowdfunding platforms, enabling you to pool resources with others for a diverse range of real estate deals. This avenue offers lower barriers to entry and increased diversification.
  6. Consider Tax Benefits and Incentives: To optimize your returns, it's important to consider the tax benefits and incentives associated with real estate investments. Rich Barnes, a seasoned real estate expert, can help you navigate the tax landscape and identify deductions, depreciation, and other advantages unique to real estate. Maximize your financial gains while staying compliant with tax regulations.
Financing your real estate investments is a critical step towards success. By assessing your financial situation, exploring traditional and creative financing options, and leveraging investment vehicles such as REITs and crowdfunding platforms, you can unlock the full potential of real estate investing. With Rich Barnes from Realty Experts LLC by your side, you'll benefit from his local expertise and personalized guidance.
Ready to embark on your real estate investment journey? Contact Rich Barnes, your trusted realtor in West Allis and Greenfield, WI. Visit or call 414-899-8146 to schedule a consultation today. Rich Barnes is more than just a realtor – he's your dedicated partner in achieving your real estate investment goals. Let's build your financial future together!
Note: While this blog provides valuable insights on financing real estate investments, it's important to consult professionals, including real estate agents, lenders, and financial advisors, to tailor the information to your unique circumstances.
submitted by RelyOnRich to u/RelyOnRich [link] [comments]

2023.05.28 17:56 Crazy-high-jack [Recruiting] Mini Spirits #2YJY22YY8 Crystal 3 Level 12 TH11+ War/CWL/Clan Capital

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submitted by Crazy-high-jack to ClashOfClansRecruit [link] [comments]

2023.05.28 17:55 Reggash The good and bad sides of Freedom

The good and bad sides of Freedom
long post and spoilers ahead
Similarly to the previously described Duty, their ideological enemies are also often perceived by stereotypes, myths, and memes. Here are some actual good and bad sides of the Freedom faction, based on the events of the trilogy and various lore snippets.

Freedom values:
  • They are well organized
Despite the fact that the faction consists of people who might seem unwilling to follow any discipline and that their hierarchy isn't very strict, they actually can be very well organized when the situation requires it. Freedomers themselves point that out in some random dialogues in Clear Sky:
I'm completing tasks assigned to me by the commander. What, did you think Duty is the only clan that can follow orders? We can be disciplined too, when the situation warrants. You gotta be a moron to really believe that Freedom is full of junkies and drunks. Think about it, if that were true our whole clan would've been dead and buried a long time ago.
We ain't just a collection of anarchists - we've got damn good order in our clan and we don't mess around. It may not be as apparent as with the military or Duty, 'cause we joined the clan to enjoy freedom and equality, but we can always get together and get shit done.
Moreover, one of their major rules is to obey their commander in combat, as mentioned in Call of Pripyat, during the recruitment of Strider's squad:
We don't have a strict hierarchy. Earn our respect and you get plenty of followers. However, when on the mission, we obey the commander's orders without question.
If Freedom really would be just an unorganized herd of stoned anarchists (as some Dutyers seem to think of them), then they likely wouldn't be able to become one of the most powerful factions in the Zone, that can be a menace both to Duty and the military.
Moreover, the faction most likely has a pretty large income - after all, Freedom has no problem with selling artifacts for profit (in contrast to Duty), and unlike loners, they all work together, which allows them to collect a large number of artifacts for a shared profit. This lets the faction to obtain the more expensive NATO weapons from the black market in large numbers.

  • They undertook to protect the Barrier
The fact that some Freedomers decided to risk or straight up sacrifice their lives at the Barrier for the good cause is admirable, even if one doesn't support the faction itself. For several months (assuming that Freedom took control of the Army Warehouses in the fall of 2011, and that Marked One disabled the Scorcher in late spring or early summer of 2012) they fended off mutants and regular attacks of Monolithians.
Holding the Barrier as best we can. The military stopped defending it after the Emission, and so many monsters broke through there that even we in the Dark Valley shat our pants. That's when our boss organized the expedition.
(random dialogue with a Freedomer)
It was likely appreciated even by Duty, because during this period they abstained from waging regular warfare with Freedom and limited themselves to minor skirmishes.

  • They study the Zone on their own
Or at least they were doing that when Chekhov was the leader. He mentions that Freedom conducts practical research on the Zone, and believes that this will bring advances in science soon:
Our clan lives in the Zone and studies it, in a practical sense. I believe that the Zone is an unbelievable scientific opportunity for the whole of humanity. (...) I have no doubt that in a few years' time, we will see a massive leap in science and other areas of human knowledge thanks to our research here in the Zone. This leap will be felt by everyone... even people whose closest contact with science and technology is their cell phone!
The research is also mentioned by some regular members of the faction:
Did you know that Freedom is studying the Zone too? We're not scientists, that's true, but we also want to know what created this nature's miracle. Everything here is a gift to humanity: all these anomalies, artifacts and mysterious emissions. What were we talking about? Oh, yes, you asked me what I'm doing here. I'm collecting data for research - taking measurements of background radiation, temperature, humidity and noting the presence of monsters and anomalies...
In Call of Pripyat we also may learn that Freedomers are willing to help the scientists at Yanov:
I reckon our boys could do the job. Freedom has its share of smart folks and if we don't know something we'll ask at the bunker. We'd love the opportunity to help science! Speak to Loki at Yanov - I'm sure he'll say the same.
(random Freedomer's advice on who to hire for protection of the bunker)
It seems however that Lukash has a different view on the matter of scientists, but more on that later.

  • They have great technicians
In contrary to Duty, which seems to rely on gear provided to them from the top, Freedomers are using gear from other sources - judging by the western camo types, we can theorize that the suits worn by Freedom come from military surplus, and are later modified by their technicians for the conditions of the Zone.
And the fact that their suits are equal to (or in some instances even better than) the gear used by Duty, Mercs or the military says a lot about their technicians.
Moreover, Freedom came up with some compounds and practical ideas that are used in their suits, as evident by their descriptions:
This lightweight stalker bodysuit is made by Freedom craftsmen. The suit's fabric is treated with Horizon, a special solution developed by the faction by trial and error to increase resistance to anomalies.
(descripiton of "Wind of Freedom" suit)
This stalker bodysuit with reinforced body armor made by Freedom craftsmen represents a good compromise between combat and anomaly protection. The built-in body armor comprises armor plating and ten Kevlar layers, capable of stopping a pistol bullet. The suit uses the relatively expensive Sovereign compound for anomaly protection.
(description of "Guardian of Freedom" suit)
A development of Freedom technicians, who were the first to replace metal with carbon fiber in view of exoskeletons' huge weight.
(Replacing metal components with carbon fiber exoskeleton; upgrade for exoskeleton)
Chekhov mentions that Freedom has the "best tech team in the whole Zone", and it doesn't seem like an exaggeration.

  • Mikluha - pioneer leader
This is more of a honorable mention, because it isn't about the whole faction, but rather about an individual from it. Mikluha, the leader of Freedom before Lukash, managed to get through the Scorcher (before it was turned off) with his squad, reached Pripyat, and survived in it for about a month. It's one of the very few cases of successful expedition to the north before the events of Shadow of Chernobyl. Moreover, he didn't lose any of his men:
Imagine this - they found our Mikluha! And the guys that were with him also survived. They sneaked past the braineraser, and then spent a month just killing time, couldn't get back out.
Did you understand what's going on here? Well I just gained new respect for Mikluha! Imagine - to survive four weeks in this shit, and not to lose any of your guys either!
(dialogues with random Freedomers)
Even Dutyers who arrived in Pripyat after the Scorcher shutdown were impressed by his actions:
In the formerly inaccessible zone one of the Freedom detachments was discovered. How did they manage to get through unharmed and then survive a few weeks here? Can't even imagine. I guess we underestimated these guys.

Freedom faults:
  • They started the conflict with Duty
The conflict between the two factions, which reached its greatest proportions during Clear Sky events, was started by Freedom, as mentioned by Orest:
Duty is trying to destroy the Zone, Freedom is trying to destroy Duty, and the bandits are using any chance they get to shovel some more money in. I've had enough and I won't take it any more. I've travelled the Zone on my own and even stood with Freedom for a while. But as soon as they started talking about whacking Duty, I put my skates on and sailed.
Chekhov himself even mentions that fighting Duty is their priority:
Duty seeks to destroy the Zone and appropriate its secrets. We must stop them. Our main job is to fight Duty.
It's worth to note that later on, the conflict became less important, since both factions started to focus on their own thing. In Shadow of Chernobyl we may learn that the factions have occasional ceasefires during which the members of both groups even meet and talk:
I meet up with one of the Duty men when there's a cease-fire. We share. The man's actually smart, but, shit, narrow-minded like your tank. You see, our philosophy is completely different from theirs: you can only tame the Zone, assimilate it, but not destroy it.
(dialogue with a random Freedomer)

  • Their questionable actions under Lukash command
When Freedom was led by Chekhov, they wanted to study the Zone and let others do so as well. However, as already mentioned, it seems that Lukash has different views on things.
One stalker in the 100 Rads bar mentions that Freedom supposedly sabotages some research groups:
To the North, not far from the Brain Scorcher, Freedom have set up their HQ in an old military base. They're notorious nihilists, anarchists and criminals - freedom fighters, freaking guerrillas all of them. All they do is sabotage research groups, attack army units and constantly skirmish with Duty.
In fact, in contrary to his predecessor, Lukash doesn't seem to care about studying the Zone, and is more eager to prevent the government from doing so - he orders attacks on the military, because he doesn't want them to turn the Zone into a "research zoo":
The military are staging a gradual Zone takeover. We need to slow them down, otherwise the Zone will turn into a research zoo. One of the military camps is right by the Agroprom. If you manage to purge the place a bit, it will slow down Zone's takeover by the army.
(description of "Destroy the military camp" task)
Marked One also notes that Freedom is not willing to help the scientists when speaking with Kruglov. It seems that the faction drastically changed its behavior after the leader change in 2012. However, it must be mentioned that the Freedomers from the detachment led by Loki in Call of Pripyat are still keen to help the scientists at Yanov.
Another example of Lukash having quite extreme ways of protecting the Zone is the fact that he orders a hit on a stalker who sells stuffed mutants, and is against hunting them in general:
We eliminate monsters, expect for us it's a matter of survival, not profit. Mutant populations are not as numerous; besides, they're living beings too, so we can't permit their annihilation. Some individuals refuse to understand it. An apt illustration is the stalker called Scarecrow. He got his nickname for a reason, selling stuffed mutants. We've warned him before, but all for nothing. So can you do a good deed for mother Earth?
(description of "Kill the stalker called Scarecrow" task)

  • Their actions could pose a threat to the world
It doesn't apply just to Freedom, but rather to everyone besides Duty, scientists and the military - artifacts smuggled into the wrong hands at the Big Land can be dangerous. It's possible that some artifacts are capable of generating anomalies, as mentioned by Yar in Clear Sky:
I'll tell you about artifacts. What's an artifact? It's a cluster of anomalous energy, kinda like a stock cube. There's also artifacts that can...err...what's that damn word...ah, anomalies! I think that's how Chekhov says it. Anyway, only problem is, once the artifact generates an anomaly it's as good as useless. The anomaly itself ain't exactly powerful nor does it last long, but it's good enough to delay someone or knock 'em off your trail altogether.
Of course, majority of stalkers came to the Zone with the intention of enriching themselves on artifacts, so it's not just Freedom that could be held accountable of any potential anomaly outbreaks or other incidents; however it is Freedom that actively and methodically fights any attempts of bringing some kind of control and order to the Zone, which could prevent such events from happening.
Besides, even though there is no evidence that the Zone is growing, it still could endanger the rest of the world - for instance, even though it's unlikely, the possibility that some mutants could leave the Zone and pose a threat cannot be ruled out. Freedom's assaults on the military and skirmishes with Duty certainly do not reduce the probability of such thing happening.
Have you heard the rumor that the Zone is growing? I think it's true 'cause I've seen real scary mutants near the perimeter, ones that you could only meet near the center of the Zone before. Not good, eh?
(dialogue with a random stalker)

  • They have plenty of bad apples in their ranks
It seems that Freedom tends to attract some real nutjobs. A well-known example is the alleged cannibal who can be encountered at Freedom base in Shadow of Chernobyl. Another Freedomer warns Marked One and mentions what they did to someone who was annoying them:
Behave, OK? Got it? Try fooling around and you'll be sorry. We had a slow-witted one here once; he pissed everyone off so bad that we made him take a hike on the minefield - naked. You should have heard Skinflint cursing when that dude's arm fell square on his head! That was something special... yeah... So, you got the idea?
As can be seen, not all Freedomers are laid-back and easy-going. Moreover, they happen to be betrayed by their own people - other groups and factions also have corrupt members in their ranks, but Freedom seems to be particularly vulnerable to incidents involving them.
In Shadow of Chernobyl one experienced member of Freedom, Pavlik, was leaking informations about his faction to the Mercs; a similar situation happened in the past, when Lingov, the commandant of Freedom, was also selling his faction out. What's worse, Lingov was one of its founders:
I didn't expect him to do this! I've known him for ages! We hunted for our first artifacts together, we made Freedom what it is today! I trusted him with all the operational planning, and he just went and sold us out...
(dialogue with Chekhov)
In Call of Pripyat we encounter Flint, or rather Magpie, who endangered and took advantage of other stalkers. When the situation became clear, some stalkers took note of the fact that Freedom accepted him without checking who he was:
Have you heard the kind of people Freedom recruits nowadays? There was this fella called Flint, bragged left and right about his escapades and trophies... well, he turned out to be the scum of the earth. Left his buddy to die in an anomaly, grabbed his loot and took off. Later they uncovered more of his exploits over at Zaton, where he basically fed a group of hunters to a chimera. I used to think better of Freedom... Hell, I'd rather be factionless than have friends like that.

  • Extra trivia - debunking myths
This is unrelated with the rest of the post, but I wanted to clarify some false informations about Freedom.
- They are neutral/friendly towards bandits
This can be seen in some mods, but such thing has no place in the original games. Both in Clear Sky and Call of Pripyat Freedomers fights with bandits. Moreover, some dialogues from Clear Sky imply that bandits could take over the base in the Dark Valley by force:
My pals and I want to head for the Dark Valley and take a bite out of those Freedom cats. Only we can't do that without Yoga's permission - he's the boss around here. I don't feel too comfortable stepping up to him, so we're still mulling it over for now.
(random dialogue with a bandit)
Gee, I thought we had enough misery, but no - now even the bandits are plotting something nasty for us.
(dialogue with Ganja)
It looks like this area is gonna be Freedom territory pretty soon. They've really stepped up their fight here ever since they sorted out their internal problems. They have a presence here and in Limansk, and they're still holding onto the Dark Valley. I say "still" because they've spread themselves pretty damn thin: they're fighting for Limansk, the military base and they've also got their HQ in the Dark Valley. I have a strong feeling the bandits are gonna start pushing them out of there. Think about it: all you need is one brainy bandit to grasp the situation and take full advantage by putting a good squeeze on Freedom. That's what I'd do if I were them.
(random dialogue with a stalker)
Freedom is neutral with bandits in Shadow of Chernobyl, but this is due to technical reasons; members of the both groups never meet in the game, and there are no dialogues or anything which would imply that they get along. Similarly, Freedom doesn't have good relations with Mercs for most of the time, and they certainly are not allies.
- Freedom and mutants
There are no dialogues which would allude to any unconventional attitude of Freedomers towards mutants, besides the aforementioned dialogue with Lukash. Here are fragments of some dialogues that show what attitude they really have towards the bloodsuckers:
There's nothing new. There are no more artifacts here, and in those little cottages bloodsuckers used to live, we shot them off best as we could.
(random dialogue with a Freedomer)
Man, will you look at all those bloodsucking monsters swarming in the village! No one gets within a hundred meters of it, except complete dumbheads.
(dialogue with Lukash)
Lately, no one has been bringing any artifacts from the village - they are too scared. They say bloodsuckers have settled in there.
(dialogue with Skinflint
As can be seen, they either kill them or avoid them. The well-known meme isn't backed up by any lore element.
submitted by Reggash to stalker [link] [comments]

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2023.05.28 17:55 axedlens This week in MultiversX (22.05.2023 - 28.05.2023)

This week in MultiversX (22.05.2023 - 28.05.2023)
Abstraction & UX are of critical importance for enabling the next wave adoption.
Solutions that take the time to properly address them stand to gain a decisive competitive edge.
Weekly #multiversxtech 🛠️
This week in MultiversX
  • The Guardians feature has been deployed on testnet, and with this occasion we invited the community to an incentivized hacking competition. Several topics that have been pointed out are already fixed, such as the limited denial of service for accounts with leaked keys.
  • Created a WebSocket connector template for the Outport Driver that facilitates seamless exporting of blockchain data (such as blocks, validators, and processing results), useful for dApps, network monitoring and data analysis.
  • Reviews and specifications on the Output transfer ordering for all kinds of scenarios with a focus on ensuring deterministic execution and order on multiple cross shard calls and callbacks.
Other notable achievements:
  • Testnet T1.5.4.0 release after guardians' competition findings fix
  • Finished implementing a feature which will sync missing trie nodes from network if they are not saved in storage
  • Written semi-integration tests for different scenarios
  • Further testing & optimisation on the concentrated liquidity base implementation SC
  • Finished transfer ordering
  • Wrapping up some log events updates
  • Final touches on the Safe Price mechanism
  • Started implementation of a robust mechanism that facilitates the transmission of node configurations over a WebSocket when a request is made for seamless retrieval and querying of data
  • Implement general NFTs analytics query
  • Update staking contract tutorial documentation
  • TCS:
  • Added extra fields on /register route response, in order to provide url for 3rd party apps also, not qr code only
  • Improved the errors returned on API level, as internal server error was used for most of the cases
  • Reviews + testing on latest changes
  • Further development of system tests targeting the VM
  • Integrated the WebSocket template into a custom solution to enable firehose integration and developed additional scripts to facilitate the necessary setup for testing the integration
  • sdk-js - minor release of sdk-js-wallet
  • Bugfixes on the component responsible for computing transaction gas fees in the outport driver
  • mxpy contract verify update to specify contract name when using verifying a multicontractimplemented "cold" signing with mxpy
  • Add guardian support for mxpy
  • Bughunt & bugfixes on the WebSocket host to ensure uninterrupted message transmission even when no clients are connected to the server
  • Debugging and testing support
  • sdk-py - BLS signing support for M1
  • Working on copying data from ES indexes to Google Big Query
  • Improvements on the reproducible builds flow (support for multi-contracts) - version not yet released
  • Testing on: xLaunchpad, Delegation manager, xExchange API
  • Epochs fast forwarder on internal testnets
  • Stress testing guardians
  • Enable the extension for the guarded account protection in case of compromised account by allowing the user to set again the active guardian in pending state, which doubles protection time
  • xLaunchpad API improvements
  • KYC service testing
  • Multi tokens transfers via relayed transactions semi-integration test
  • Finished the task that brings consistency into tokens transfers values checks
  • Configurable shard blocks finality analysis and first implementation
  • Redis helm chart and mainnet redeploy
  • Internal testnets elasticsearch indexer setup
  • Review on new log events standard, which enhances the information for developers and users for the information that passes between SCs
  • Added new contracts labels
  • Boosted metastaking upgrade fuzz tests
  • Updated prometheus metrics for guardians service
  • Redis cacher implementation and testing for guardians service; this will replace current local cache implementation that is not suitable for scalable solutions
  • mx-sdk-py-exchange refactors & dev
  • Extended documentation for Governance off-chain and on-chain process for xExchange
  • Working on ARM64 build and repository for a set of our solutions
  • Specifications for community farms, farms with multiple rewards, new mystery box lottery SC
  • Distributed locks implementation for guardians service, based on redis
  • Prototype for a smart contract static API for tests, routed through the VM executor interface
  • Fixed an undefined behavior in the VM in an edge case
  • Added new unit tests & bugfixing on MultiversX API
  • Added more testing scenarios on twisbox orchestrator
  • Guardians testing
  • Debugging various issues on cards microservices
  • New indexer testing
  • System test scripts improvements
  • Testing all incoming branches
  • KYC service: backoffice: /accounts, /pending-accounts, /history, /stats and general pipeline verification after KYC validation
  • Finished new price discovery charts data
  • Optimised escrow queries with events handling
“Stay Hungry Stay Foolish” and tune in soon for more of the #multiversxtech which powers the @MultiversX ecosystem.Check out our progress & get involved 👇
Source: Twitter @AndreiMarinica
submitted by axedlens to elrondnetwork [link] [comments]

2023.05.28 17:54 Edward_Stivenson Your Full Guide on How to Write a SWOT Analysis

Your Full Guide on How to Write a SWOT Analysis
SWOT analysis is one of those tools that you'll come across in any field. For example, it's used to define a product's competitive advantage, create a strategic plan for a business, and gain insights into consumer behavior.
But it's not just businesses that benefit from this technique. Personal SWOT analysis helps people plan their careers in the most optimal way possible, too.
As versatile as it is, SWOT analysis is not at all complicated. That's why its adoption rate is through the roof. And that's why you should learn how to take advantage of it, whether for an assignment or not.
To help you out with that, let's rely on our rich writing services experience and use it to break down in detail:
  • What a SWOT analysis is;
  • How it's applied in business strategies and marketing efforts;
  • How to use the SWOT framework for any task.
What Is SWOT Analysis, Exactly?
Any SWOT analysis template contains four sections, presented in a two-by-two matrix:
  • Strengths – your inherent qualities, resources, or skills that set you apart from the rest;
  • Weaknesses – whatever is or may be stopping you or the business from performing well;
  • Opportunities – external factors that you can use to your advantage to become more competitive;
  • Threats – external factors that may harm your performance in the short or long run.
Internal and External Factors in SWOT Analysis
Each section represents a list of factors. These sections can be grouped into two broader categories: internal and external factors.
Internal factorsStrengths and Weaknesses in the first row – are inherent to you or the company. However, you can also do something about them if need be. Think of your skills as a professional if you're working on a personal SWOT analysis, for example.
External factorsOpportunities and Threats in the second row – aren't under your personal or the company's control. But they have an impact on you or the business, nonetheless. Once-in-a-lifetime pandemics, inflation, or industry trends are good examples here.
Positive vs Negative Factors
Another way to think about the SWOT matrix is by juxtaposing negative and positive factors:
  • Strengths and Opportunities can help you or the company achieve your goal or succeed at a project. So, they represent positive factors.
  • Weaknesses and Threats can negatively impact your progress and have to be mitigated. They're negative factors.
Why is SWOT Analysis Important?
Now that the question ‘What is a SWOT Analysis?’ is answered, you must have several others on your mind. So let's answer them one by one.
Who Should Do a SWOT Analysis?
Businesses of all sizes and in all industries can benefit from SWOT analyses. So, whether you're a prospective entrepreneur, a small business owner, or a C-level executive, this technique will be a useful arrow in your quiver.
You can also benefit from conducting a personal SWOT analysis. It would be best if you did it when looking for a job or facing a major life decision.
Why Should You Do a SWOT Analysis?
At its core, SWOT analysis is a strategic planning technique. It's meant to help you organize all the factors. That, in turn, enables you to gain key insights into where you stand and how you can move from point A to point B.
How does it help you in strategic planning, exactly? The SWOT matrix shows you:
  • Which strengths you should maximize and emphasize;
  • Which weaknesses you should minimize and keep at bay;
  • Which opportunities you can take advantage of;
  • Which threats you should look out for and counter.
All of this leads to one outcome: better, more informed decision-making. Plus, SWOT analysis is notorious for challenging your assumptions as long as everyone involved is straightforward and honest in their answers.
What Can SWOT Framework Be Used For?
Now, let's talk about real-life practical applications of this technique. Here are three SWOT analysis examples:
  • Choosing the business model for a new enterprise;
  • Creating a break-even analysis and a business plan;
  • Analyzing the company's quarterly and annual performance.
At a personal level, you can also conduct your own SWOT analysis to:
  • Increase your chances of landing a job;
  • Position yourself for getting a promotion;
  • Understand what needs to change in your life in general.
How to Conduct a SWOT Analysis in 8 Steps
SWOT analysis isn't complicated to conduct, and that's why they are so popular. Yet, it might be a wrong first impression.
A good SWOT analysis can take hours and should involve multiple people in a brainstorming session. It should also be as objective as possible – which can be harder to achieve than it seems.
So, how do you use a SWOT analysis – and get a quality result for your strategic decision-making process? Here's your step-by-step SWOT analysis example that you can use as a guide.
1. Determine Your Goal
Starting brainstorming without a goal means getting into the SWOT analysis blind. And your SWOT matrix will be useless – or misleading – in the long run.
For example, depending on your goal, the same factor can be a key strength or an irrelevant note. For example, if you aim to reach the 18-25 demographic in your marketing campaign, your active presence on TikTok will be a great asset. But if you need to find a way to attract more quality candidates in the hiring process, the TikTok presence will only help you a little.
So, zero in on what you want to achieve with this SWOT analysis. This can be a decision you or the company have to make – for example, whether to launch a certain product line. Your goal can also be to solve a certain problem or to create/reassess your strategy.
2. Do Your Research
Your research wouldn't be complete if you googled ‘What is a SWOT analysis?’ You'll need a lot of data during your brainstorming session. If you have it, you'll avoid guessing your company's or your own strengths or external threats related to your goal.
What Data to Look For
Your research should consist of two parts:
  • Internal research. You'll need every piece of information on your or the company's performance to pinpoint the internal factors in SWOT analysis. That can include financial, sales, marketing, and other reports with key metrics.
  • External research. Gather the data on your competitors, the market, the company's position and market share, and the industry as a whole. This data will be the basis for assessing your opportunities and threats.
There's one footnote, though. Depending on the goal, you'll need different data sets. So, focus on relevant data.
3. Pinpoint Your or Your Organization's Strengths
Now, it's time for the brainstorming session. If you're doing a SWOT analysis for a business, go with it: bring the right people to the table, virtual or not. It'll help you get a more objective, realistic, and complete matrix.
Start with the internal factors, namely your internal strengths: they're always easier to home in on.
Need a SWOT analysis example of a company's strengths? Here are five of them:
  • Outstanding customer service with a high satisfaction rate;
  • Strong financial performance;
  • The first-mover advantage;
  • Positive brand attributes;
  • Strong technical expertise in the field.
5 Questions to Ask
Here are five questions to kick off your brainstorming and help you discover your company's strengths – or your own:
  • What do you or the company do well?
  • What are your strongest assets?
  • Is there something only you or the company do?
  • What is your competitive edge?
  • What do customers appreciate about the company?
4. Zero in on Your or Your Company's Weaknesses
Now, it's time to move on to a more difficult part of assessing your internal factors: your weaknesses. Take a hard look at your or the business's performance and define what could be going better. Don't try to embellish the truth here!
Keep in mind: there are some weaknesses that you can eliminate and some others that you can only mitigate.
Looking for weaknesses SWOT analysis examples for students who run their businesses? Here are five of them:
  • Poor brand recognition among the target audience;
  • Suboptimal employee productivity;
  • Limited resources, human or otherwise;
  • Lack of intellectual property for key technologies;
  • Long delivery times.
5 Questions to Ask
To explore your personal or business weaknesses, ask the following five questions:
  • What do your competitors beat you at?
  • What do customers complain about?
  • What is holding back your or the company's success?
  • What resources do you or the company lack?
  • What are the gaps in your internal business processes?
5. Identify External Opportunities
Before you can exploit opportunities, you need to identify them in your SWOT analysis – and determine which ones are worth using, too.
For that, you'll need to turn to the external environment research you've done. Then, look at that data and pinpoint which trends or events you could take advantage of.
Need a SWOT analysis example or two here? Take a look at these three business opportunities:
  • New markets emerging within the industry;
  • New advertising channels rising to prominence;
  • Particular customer needs that remain underserved.
4 Questions to Ask
If you don't know how to start zeroing in on opportunities, start with these four questions:
  • Are there ways to gain useful resources you don't have or have little of?
  • Are there any technological advancements that can help you mitigate your weaknesses?
  • Are there any new or overlooked opportunities that you can exploit?
  • How can the current economy or market trends be of use to you?
6. Home in on Potential Threats
Time to move on to the final part of a standard SWOT analysis: threats. These external trends and events can get in your way – or already are.
If you're working on a personal SWOT analysis, threats can include:
  • High competition for the job you're after;
  • Potential layoffs due to a financial crisis.
If you're conducting one for a large company or a small business, negative external factors can include:
  • New emerging competitors, direct or indirect;
  • New regulations that can entail considerable additional costs for the business;
  • Unfavorable investment climate.
3 Questions to Ask
If you need a push in the right direction, here are three questions to help you zero in on the threats:
  • Who are your competitors, and what is their market position?
  • What is the state of the economy, industry, and market? Are they in decline?
  • Are there any new regulations that can harm the business?
7. Review Your SWOT Analysis Matrix
Any college essay writer will tell you: having a good SWOT analysis right after brainstorming is impossible. You need to review every factor you've written down and edit the list. Leave only the elements that truly matter – and make them more specific if required.
3 Things to Pay Attention to
There are some common caveats that you can overlook if you need to be more careful during this step. Here are three of them to avoid:
  • Factors that aren't specific enough – clarify or cross them out;
  • Factors that aren't evidence-based – find proof or get rid of them;
  • Factors that are over- or underestimated – have a fresh pair of eyes to look at the list.
8. Decide on the Solution
Once you've finished filling out and editing your SWOT analysis template, your work is only beginning. Now, you need to take your SWOT matrix and use your findings to find the solution to your key issue.
4 Questions to Pose
Here are four questions to guide you in your solution-seeking:
  • How can you maximize your strengths? Which ones should be the top priority to boost?
  • How can you mitigate or eliminate your weaknesses? Which ones should be taken care of first?
  • Which opportunities should you take advantage of? Which ones will pay off the most?
  • Which threats can do the most harm? How can you limit their impact?
submitted by Edward_Stivenson to students_essay_help [link] [comments]

2023.05.28 17:54 Pata2010 AITA for suing my ex?

Me (31F) and ex (33M) broke up 2 years ago. It was not an amicable breakup.
For background, we were together for almost 4 years, engaged for 6 months. I postponed are wedding for several reasons. I was going back to school for my MBA while still working full-time and I felt like I was getting no help at home. I had discussed with ex about him taking over the majority of the chores since I was going to be doing school full-time on top of working. He also worked full-time. He agreed to doing more things at home. That never happened. So over the course of a year, my mental health deteriorated and all my ex would say was "Idk how to help you" even though I was asking him to clean dishes or make food for us.
So, before the downfall, we clearly planned on getting married and spending our lives together. We bought an SUV together. We live in a wintery climate and both had little commuter cars. We wanted a 4-wheel drive vehicle for the winters. His car was newer and mine was 20 years old with almost 200k miles on it. So when it started puttering out, we figured we'd get an SUV and it would be my main vehicle (I did WFH) and in the winter we'd share and play it by ear for who needs it.
Breakup happens. Both names are still on the vehicle. I can't change the title without his notorized signature. I inform him of that. A month passes. Nothing happens. I pay $12 to request a change of title and drop the paperwork off at his job. Nothing happens again. I made the car payments and insurance, even when we were together. Because it was my vehicle. I can't do anything with this vehicle, like refinance, sell, or anything without his signature.
I wanted to refinance because his credit dropped the year after we broke up and the bank was going to raise my interest rate over it. It was 5.5% and they were going to raise it to 6.9% because of HIS credit. I was going to have my mom resign with me and lower my rate to 4.5%! Nothing could be done unless he signed.
It'd been 10 months at this point. I went to his job with more paperwork I paid for. He didn't work there anymore. I tried contacting his mom. She said "He's moved on from you." And I was like "Great. I can't move on without him signing this paper." 3 weeks passed and nothing.
So I got a cheap lawyer, who turned out to be amazing, and ended up suing him for $20k (half the cost of the vehicle) and another $50k for time and emotional damage. I won and I still have my SUV in just MY name now.
I feel proud of myself, but friends and family have said I was being vindictive. I originally just sued to compel him to sign the paperwork, but I was onboard with getting money from it so I went for it. The lawsuit just settled and apparently I ruined my ex's life over this and that's why I'm posting now. AITA for doing this?
submitted by Pata2010 to AmItheAsshole [link] [comments]


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2023.05.28 17:49 mialg Unveiling the Signs: What Does a Bad Yeast Infection Look Like?

Unveiling the Signs: What Does a Bad Yeast Infection Look Like?
Yeast infections are common occurrences among women, caused by the overgrowth of the Candida fungus. While most yeast infections are mild and easily treatable, there are instances when the infection becomes severe, leading to discomfort and distress. Recognizing the signs of a bad yeast infection is crucial for timely intervention and proper management.
In this article, we will delve into the characteristic symptoms and appearance of a severe yeast infection, shedding light on what to look out for and how to seek appropriate medical attention.

Understanding Yeast Infections

Before we dive into the details of what a bad yeast infection looks like, let's briefly understand what a yeast infection is. Yeast infections primarily affect the genital region, although they can also occur in other areas of the body.
The most common cause is the Candida fungus, specifically Candida albicans. Factors such as hormonal changes, weakened immune system, certain medications, and high levels of moisture can contribute to the development of yeast infections.

The Signs of a Bad Yeast Infection

  1. Intense Itching and Irritation: One of the hallmark signs of a severe yeast infection is relentless itching and irritation in and around the affected area. The itching may be accompanied by redness and swelling, making it increasingly uncomfortable for the individual.
  2. Abnormal Discharge: A bad yeast infection often leads to an abnormal vaginal discharge. The discharge is typically thick, clumpy, and white, resembling cottage cheese. It may also have a strong, unpleasant odor.
  3. Pain and Soreness: In severe cases, a yeast infection can cause pain and soreness during sexual intercourse or urination. The inflamed tissues and the presence of yeast can lead to discomfort and a burning sensation.
  4. Redness and Swelling: The vulva and surrounding areas may appear red and swollen in a bad yeast infection. This inflammation is a result of the body's immune response to the overgrowth of Candida.
  5. Skin Rash: In some instances, a yeast infection can extend beyond the genital area, causing a red, itchy rash in the folds of the skin. This is commonly seen in cases of intertrigo, where moist and warm environments promote yeast growth.

When to Seek Medical Attention

If you experience any of the aforementioned symptoms or suspect a severe yeast infection, it is important to seek medical attention promptly. While mild yeast infections can often be managed with over-the-counter antifungal creams, severe cases may require prescription-strength medication. A healthcare professional can accurately diagnose the infection and recommend an appropriate treatment plan tailored to your needs.

Prevention and Self-Care

Taking preventive measures and practicing good hygiene can help reduce the risk of developing a bad yeast infection. Some self-care practices include:
  1. Keeping the genital area clean and dry.
  2. Avoiding tight-fitting clothing made of non-breathable fabrics.
  3. Wearing cotton underwear.
  4. Limiting the use of scented products in the genital area.
  5. Taking probiotics or eating yogurt with live cultures to maintain a healthy balance of bacteria.

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Recognizing the signs of a bad yeast infection is crucial for prompt intervention and effective management. If you experience persistent symptoms or suspect a severe yeast infection, seeking medical attention is essential. With proper diagnosis and treatment, you can alleviate discomfort and prevent the infection from worsening.
Remember, maintaining good hygiene practices and taking preventive measures can significantly reduce the likelihood of experiencing a severe yeast infection.
submitted by mialg to YeastInfectionCleaner [link] [comments]