Ibc bank weslaco texas
Savings v. Checking
2023.06.01 00:49 raychillill Savings v. Checking
I moved from Houston to Chicago almost a year ago, so I've been debating finally moving my accounts from the credit union I belong to in Texas. Currently I have a high yield checking account, which is why I do not want to move my finances, but have been debating moving to a Sofi high yield savings so I can earn interest on my emergency fund (along with having a easier way to split my tattoo fund from my other money). I would earn more interest with the sofi account, but I'm worried what would happen if I had a situation that normally requires you go into a member branch. Does anyone have thoughts on online banks? Earning interest on savings v. Checking? Other ideas?
submitted by raychillill to CalebHammer [link] [comments]
2023.05.31 18:35 --Clintoris-- NRFI 05/31 - Clintoris - I'm back bitch. This time with AI
 | Most of you don't know me, or don't care, or want me to jump off a cliff into a bunch of needles (remember that Saw scene? That f'ed me up) but I am back. submitted by --Clintoris-- to sportsbetting [link] [comments] I am obsessed with NRFI's, no run first innings. Max 2 pitchers, max 6 batters per half inning, every pitch matters. It is exciting, stressful and SOMEWHAT predictable other than the BS two out solo homer (F you ketel marte you dick). And with odds of -115, this bet is the equivalent of hitting a 2 point NBA favorite. So I went on a little reddit run last year parlaying two NRFIs I felt had actual value and not fake value. I had a hell of a run and then an insane cold streak. the cold streak stuck with me because i did not have the advantage in certain situations. Guys would come up to bat and the announcer would say "George Castanza is 9 for his last 12 with 4 home runs" WTF. I was setting myself up to fail. So I went to twitter to find stats and EVERYBODY SUCKS. Who gives a shit Gerrit Cole is 5 in a row NRFI? It's matchup drives, its pitch driven, its split driven, F you ketel Marte, it's trend driven. We need to be looking at PER AT BAT, not overall. Definition of confirmation bias. After weeks of looking for people who actually knew how to reasonably try to predict NRFI I decided to do it myself. Literally no one is doing this and I get why, its complicated. It's WAY easier to use confirmation bias to sell picks. I have a full time job and a family and I rob banks on the side so I am busy (JK FBI). But i did it anyways. So using these pitcher stats: Overall WHIP Overall OPS Overall S/M % vs RHB OPS RHB S/M % vs LHB Score vs LHB S/M % Chase % In Zone Contact % Barrel % Avg Exit Velocity (MPH) GB/FB % Line Drive % Recent 5 Starts WHIP And these batter stats: OPS S/M % OPS Against RHP S/M % Against LHP S/M % Chase % In Zone Contact % Barrel % Avg Exit Velocity (MPH) GB/FB % Line Drive % Recent 7 OPS * I then used AI (ChatGPT) to pull historical stats and the weigh these stats (YAWN) with potential to get a hit. It gives me weights, then I weigh batting order based on importance for NRFI then use the algorithm to predict the outcome of a hit occurring in their first AB. Ends up looking like this: https://preview.redd.it/6pxp2umlh83b1.png?width=1261&format=png&auto=webp&s=0cb3b2a0debeade908e88f9e6a9ea201bb343e9a I am not kidding, no one else does this. Anyone else want to take over? My wife is about to divorce me (F you ketel marte). The reason the numbers are so low is because I take the data and create a standard deviation of 1 based on all data (YAWN). * I stayed away from reddit for a minute because I hated losing bets where I wasnt taking in all info. I started a twitter account so i can test it there and I'm up to like 500 followers. I'm not a big social media guy so that's wild to me. @ NRFIusingAI * So long story short (I'm wrapping this up) - here are my odds today for an NRFI occurring: Texas Rangers 52.66% , Rank 3Detroit Tigers Los Angeles Angels 41.34% , Rank 12Chicago White Sox Tampa Bay Rays 47.22% , Rank 8Chicago Cubs Cleveland Guardians 48.32% , Rank 6Baltimore Orioles Atlanta Braves 49.87% , Rank 5Oakland Athletics Pittsburgh Pirates 52.93% , Rank 2San Francisco Giants Washington Nationals 41.50% , Rank 11Los Angeles Dodgers San Diego Padres 48.12% , Rank 7Miami Marlins Milwaukee Brewers 54.10% , Rank 1Toronto Blue Jays Cincinnati Reds 40.05% , Rank 14Boston Red Sox Philadelphia Phillies 43.27% , Rank 10New York Mets Minnesota Twins 43.68% , Rank 9Houston Astros New York Yankees 50.40% , Rank 4Seattle Mariners Colorado Rockies 40.32% , Rank 13Arizona Diamondbacks *** I probably lost 50% of you by now, but after the NRFI is calculated, I then look into general team trends and OPS last 15 days to make picks. For example, MIL/Blue Jays are #1, but Julio Tehran has one great start against a terrible Giants offense so it's skewing his stats. Also Blue Jays are top 3 in OPS last 15 days. PASS ** I'll be posting this daily, these are not blind picks, but more helpful stats to help point you in the right direction. Me? I am riding CLE/BAL NRFI -120, Cleveland 2nd worst offense in MLB last 15 days and Baltimore (other than Adley) has worse splits against LHP vs RHP. CLE/BAL If anyone has any questions or wants a different matchup hit me up. I burned out last year because I feel like I wasnt taking in enough info to be on the right side of NRFI bets. I am not concerned about that anymore. These are not sure thing bets (-110, -115, -120 never are) but watching an NRFI and hearing the announcer say the batter is 3 for last 25 is why I do all this BS. NRFI resources - https://www.mlb.com/stats/team?timeframe=-14 https://www.teamrankings.com/mlb/stat/1st-inning-runs-per-game GL today, thanks for all the messages of support asking me to come back. Gives me the motivation I needed to finish this. |
2023.05.31 18:31 Throwaway236798000 Credit card judgment has gone to a receiver
Current location is Texas.
A couple weeks ago, my bank accounts were frozen and I found out it was from a credit card judgment from years ago. It is currently with a receiver, who I have contacted and attempted to work out a payment plan. I cannot really afford the lowest payment they are offering me, so I'm not sure what I should do next. I am currently married and I am a stay at home parent and college student. The account they froze is sitting in the negative because I have not had any income or direct deposit go into that account since I became a stay at home parent. I do not think we really have any assets to take , but I have read that a receiver can take drastic measures to collect a judgment so I would like to take care of it and put it behind me. Would it be worth contacting a lawyer to negotiate a better payment or payoff amount? Is negotiation even possible at this stage? The amount is about $3600 with the added fees and all.
submitted by Throwaway236798000 to legaladvice [link] [comments]
A couple weeks ago, my bank accounts were frozen and I found out it was from a credit card judgment from years ago. It is currently with a receiver, who I have contacted and attempted to work out a payment plan. I cannot really afford the lowest payment they are offering me, so I'm not sure what I should do next. I am currently married and I am a stay at home parent and college student. The account they froze is sitting in the negative because I have not had any income or direct deposit go into that account since I became a stay at home parent. I do not think we really have any assets to take , but I have read that a receiver can take drastic measures to collect a judgment so I would like to take care of it and put it behind me. Would it be worth contacting a lawyer to negotiate a better payment or payoff amount? Is negotiation even possible at this stage? The amount is about $3600 with the added fees and all.
2023.05.31 17:02 BottomShelfVodka Meeting the bottom shelf family.
[June 2013]
Devon and I walked hand in hand into a large, beautifully decorated country style wedding venue. My mom greeted us at the door, and her awkward meter was reading off the charts. Her husband, Alan was standing with her offering his obligatory handshake to Devon. Mom could sense the tension, but she already had the conversation with me that I would need to be the one to take the high road should anything happen. Instead of ever calling out her husband on his garbage personality, she expected me, the daughter, to de-escalate any rising anger levels.
I kept that interaction as short and sweet as possible before guiding Devon in the direction of the bride and groom. I whispered "I'm sorry." to him as we were walking across the venue. He said "Don't worry about it, all is good."
Boy, you know my whole role in life is to, in fact, "worry about it", but it was relieving to know that Devon wasn't nearly as uneasy as I was.
We congratulated Tyler and his new wife, and then apologized for having missed the wedding. He responded with the classic, "No worries, just glad you were able to make it/It's nice to meet you, Devon." More people began to crowd around the newlyweds, so I took Devon to meet Nana.
That poor old woman has no personality whatsoever; unless you consider religion and politics a "personality". She's the worst. That lady never had to work a single day in her life. Her father owned a bank, and half of a small city in her hometown was named after her family. She married my grandfather who paid for their house in full with his blood, sweat, tears, and whiskey addiction. Then she sold the house she won in the divorce. Every future house she dwelled in, alone, was paid for in full with the cold hard cash earnings from the previous house. I digress.
Nana had a comically large open-mouth smile when I walked Devon up to her table. She stood and said "This must be the Daryl I've heard so much about." First of all, Nana, you've hardly heard shit about him because you always cut phone calls short after you've finished discussing your ground breaking salon visits or church sermons. Secondly, it's "Devon".
"It's so nice to finally get to meet you, Daniel. I wondered why Heather was hiding you." followed by the other 30 cliché, small talk, oxygen wasting sentences people say when they have nothing of value to say. Each sentence began with a new way to address him by a different wrong name. "Kevin, I hear you're from Texas. How's the weather there?"
I turned away, took a deep breath, and involuntarily rolled my eyes so far back that I made eye contact with the little guy who operates my brain. Dude, she doesn't keep slipping on his name because she's old; she just genuinely, absolutely does not listen to what other people say. She's always too focused on the next worthless thing she has to say. She passed this trait onto my mother as well.
We stayed long enough to eat and have a good visit with my uncle Mike. I was right. He and Devon really did hit it off well, and that portion of the trip was rather pleasant.
Unfortunately, we were well outside of the approved distance radius from base without being on proper leave, and we needed to book it back home soon. We commenced the obligatory hugs and said our goodbyes before dipping the fuck out of there.
submitted by BottomShelfVodka to bottomshelfvodka [link] [comments]
Devon and I walked hand in hand into a large, beautifully decorated country style wedding venue. My mom greeted us at the door, and her awkward meter was reading off the charts. Her husband, Alan was standing with her offering his obligatory handshake to Devon. Mom could sense the tension, but she already had the conversation with me that I would need to be the one to take the high road should anything happen. Instead of ever calling out her husband on his garbage personality, she expected me, the daughter, to de-escalate any rising anger levels.
I kept that interaction as short and sweet as possible before guiding Devon in the direction of the bride and groom. I whispered "I'm sorry." to him as we were walking across the venue. He said "Don't worry about it, all is good."
Boy, you know my whole role in life is to, in fact, "worry about it", but it was relieving to know that Devon wasn't nearly as uneasy as I was.
We congratulated Tyler and his new wife, and then apologized for having missed the wedding. He responded with the classic, "No worries, just glad you were able to make it/It's nice to meet you, Devon." More people began to crowd around the newlyweds, so I took Devon to meet Nana.
That poor old woman has no personality whatsoever; unless you consider religion and politics a "personality". She's the worst. That lady never had to work a single day in her life. Her father owned a bank, and half of a small city in her hometown was named after her family. She married my grandfather who paid for their house in full with his blood, sweat, tears, and whiskey addiction. Then she sold the house she won in the divorce. Every future house she dwelled in, alone, was paid for in full with the cold hard cash earnings from the previous house. I digress.
Nana had a comically large open-mouth smile when I walked Devon up to her table. She stood and said "This must be the Daryl I've heard so much about." First of all, Nana, you've hardly heard shit about him because you always cut phone calls short after you've finished discussing your ground breaking salon visits or church sermons. Secondly, it's "Devon".
"It's so nice to finally get to meet you, Daniel. I wondered why Heather was hiding you." followed by the other 30 cliché, small talk, oxygen wasting sentences people say when they have nothing of value to say. Each sentence began with a new way to address him by a different wrong name. "Kevin, I hear you're from Texas. How's the weather there?"
I turned away, took a deep breath, and involuntarily rolled my eyes so far back that I made eye contact with the little guy who operates my brain. Dude, she doesn't keep slipping on his name because she's old; she just genuinely, absolutely does not listen to what other people say. She's always too focused on the next worthless thing she has to say. She passed this trait onto my mother as well.
We stayed long enough to eat and have a good visit with my uncle Mike. I was right. He and Devon really did hit it off well, and that portion of the trip was rather pleasant.
Unfortunately, we were well outside of the approved distance radius from base without being on proper leave, and we needed to book it back home soon. We commenced the obligatory hugs and said our goodbyes before dipping the fuck out of there.
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Texie Talia Mar Triplex Celeste Trippie Bri Trishyland Tru Kait Urfavbellabby Ur69baby Uwucatxoxo Valeria Vidal Vanessa.rhd Vanessa Sierra Vega Thompson Vero Gold Veronica Zolotova Vismara Martina Vyvan Le Wettmelons Whoahannahjo Whosbonnieandclyde Xailormoon Xenon Xlucy Yasmine Lopez Yololary YourSuggerBaby Yoya Grey Yummy Kimmy Yur Aular Zayla Skye Zipoz Zusje Addison Rae Faith Ordway Emily Ratajkowsk Emma Chamberlain Dixie D'Amelio fsdq341 Madison Beer Erin Gilfoy danielle bregoli2023.05.31 15:38 letsgobetaverse Gobetaverse Betting & Prediction Line UP - May 31st (41 sport events)
Start Here! How to make betting picks and predictions with Gobetaverse?
Los Angeles Angels @ Chicago White Sox https://gobetaverse.com/mlb/los-angeles-angels-at-chicago-white-sox-2023-05-31/
Tampa Bay Rays @ Chicago Cubs https://gobetaverse.com/mlb/tampa-bay-rays-at-chicago-cubs-2023-05-31/
Cleveland Guardians @ Baltimore Orioles https://gobetaverse.com/mlb/cleveland-guardians-at-baltimore-orioles-2023-05-31/
Atlanta Braves @ Oakland Athletics https://gobetaverse.com/mlb/atlanta-braves-at-oakland-athletics-2023-05-31/
Pittsburgh Pirates @ San Francisco Giants https://gobetaverse.com/mlb/pittsburgh-pirates-at-san-francisco-giants-2023-05-31/
Washington Nationals @ Los Angeles Dodgers https://gobetaverse.com/mlb/washington-nationals-at-los-angeles-dodgers-2023-05-31/
San Diego Padres @ Miami Marlins https://gobetaverse.com/mlb/san-diego-padres-at-miami-marlins-2023-05-31/
Milwaukee Brewers @ Toronto Blue Jays https://gobetaverse.com/mlb/milwaukee-brewers-at-toronto-blue-jays-2023-05-31/
Philadelphia Phillies @ New York Mets https://gobetaverse.com/mlb/philadelphia-phillies-at-new-york-mets-2023-05-31/
Cincinnati Reds @ Boston Red Sox https://gobetaverse.com/mlb/cincinnati-reds-at-boston-red-sox-2023-05-31/
Minnesota Twins @ Houston Astros https://gobetaverse.com/mlb/minnesota-twins-at-houston-astros-2023-05-31/
New York Yankees @ Seattle Mariners https://gobetaverse.com/mlb/new-york-yankees-at-seattle-mariners-2023-05-31/
Colorado Rockies @ Arizona Diamondbacks https://gobetaverse.com/mlb/colorado-rockies-at-arizona-diamondbacks-2023-05-31/
Columbus Crew vs Colorado Rapids https://gobetaverse.com/mls/columbus-crew-vs-colorado-rapids-2023-05-31/
DC United vs CF Montreal https://gobetaverse.com/mls/dc-united-vs-cf-montreal-2023-05-31/
Inter Miami vs New York RB https://gobetaverse.com/mls/inter-miami-vs-new-york-rb-2023-05-31/
New York City vs Cincinnati https://gobetaverse.com/mls/new-york-city-vs-cincinnati-2023-05-31/
Philadelphia vs Charlotte https://gobetaverse.com/mls/philadelphia-vs-charlotte-2023-05-31/
Toronto vs Chicago Fire https://gobetaverse.com/mls/toronto-vs-chicago-fire-2023-05-31/
Austin vs Minnesota Utd https://gobetaverse.com/mls/austin-vs-minnesota-utd-2023-05-31/
Sporting KC vs Dallas https://gobetaverse.com/mls/sporting-kc-vs-dallas-2023-05-31/
Real Salt Lake vs LA Galaxy https://gobetaverse.com/mls/real-salt-lake-vs-la-galaxy-2023-05-31/
Los Angeles FC vs St. Louis City https://gobetaverse.com/mls/los-angeles-fc-vs-st-louis-city-2023-05-31/
Seattle vs SJ Earthquakes https://gobetaverse.com/mls/seattle-vs-sj-earthquakes-2023-05-31/
Vancouver vs Houston Dynamo https://gobetaverse.com/mls/vancouver-vs-houston-dynamo-2023-05-31/
Al Hilal vs Al Raed https://gobetaverse.com/saudi-pro-league/al-hilal-vs-al-raed-2023-05-31/
Al Ittihad vs Al Tai https://gobetaverse.com/saudi-pro-league/al-ittihad-vs-al-tai-2023-05-31/
Al Khaleej vs Abha https://gobetaverse.com/saudi-pro-league/al-khaleej-vs-abha-2023-05-31/
Al Nassr vs Al Fateh https://gobetaverse.com/saudi-pro-league/al-nassr-vs-al-fateh-2023-05-31/
Al Taawon vs Al Batin https://gobetaverse.com/saudi-pro-league/al-taawon-vs-al-batin-2023-05-31/
Al Wahda vs Al Feiha https://gobetaverse.com/saudi-pro-league/al-wahda-vs-al-feiha-2023-05-31/
Damak vs Al Shabab https://gobetaverse.com/saudi-pro-league/damak-vs-al-shabab-2023-05-31/
Al Mokawloon vs Ismaily https://gobetaverse.com/egyptian-premier-league/al-mokawloon-vs-ismaily-2023-05-31/
Petra Martic vs Shelby Rogers (French Open WTA - 1R - Clay) https://gobetaverse.com/atp-wta/petra-martic-vs-shelby-rogers-french-open-wta-1r-clay-2023-05-30/
Victoria Azarenka vs Bianca Andreescu (French Open WTA - 1R - Clay) https://gobetaverse.com/atp-wta/victoria-azarenka-vs-bianca-andreescu-french-open-wta-1r-clay-2023-05-30/
submitted by letsgobetaverse to everythingbets [link] [comments]
United States - MLB
Texas Rangers @ Detroit Tigers https://gobetaverse.com/mlb/texas-rangers-at-detroit-tigers-2023-05-31/Los Angeles Angels @ Chicago White Sox https://gobetaverse.com/mlb/los-angeles-angels-at-chicago-white-sox-2023-05-31/
Tampa Bay Rays @ Chicago Cubs https://gobetaverse.com/mlb/tampa-bay-rays-at-chicago-cubs-2023-05-31/
Cleveland Guardians @ Baltimore Orioles https://gobetaverse.com/mlb/cleveland-guardians-at-baltimore-orioles-2023-05-31/
Atlanta Braves @ Oakland Athletics https://gobetaverse.com/mlb/atlanta-braves-at-oakland-athletics-2023-05-31/
Pittsburgh Pirates @ San Francisco Giants https://gobetaverse.com/mlb/pittsburgh-pirates-at-san-francisco-giants-2023-05-31/
Washington Nationals @ Los Angeles Dodgers https://gobetaverse.com/mlb/washington-nationals-at-los-angeles-dodgers-2023-05-31/
San Diego Padres @ Miami Marlins https://gobetaverse.com/mlb/san-diego-padres-at-miami-marlins-2023-05-31/
Milwaukee Brewers @ Toronto Blue Jays https://gobetaverse.com/mlb/milwaukee-brewers-at-toronto-blue-jays-2023-05-31/
Philadelphia Phillies @ New York Mets https://gobetaverse.com/mlb/philadelphia-phillies-at-new-york-mets-2023-05-31/
Cincinnati Reds @ Boston Red Sox https://gobetaverse.com/mlb/cincinnati-reds-at-boston-red-sox-2023-05-31/
Minnesota Twins @ Houston Astros https://gobetaverse.com/mlb/minnesota-twins-at-houston-astros-2023-05-31/
New York Yankees @ Seattle Mariners https://gobetaverse.com/mlb/new-york-yankees-at-seattle-mariners-2023-05-31/
Colorado Rockies @ Arizona Diamondbacks https://gobetaverse.com/mlb/colorado-rockies-at-arizona-diamondbacks-2023-05-31/
United States - MLS
Atlanta Utd vs New England https://gobetaverse.com/mls/atlanta-utd-vs-new-england-2023-05-31/Columbus Crew vs Colorado Rapids https://gobetaverse.com/mls/columbus-crew-vs-colorado-rapids-2023-05-31/
DC United vs CF Montreal https://gobetaverse.com/mls/dc-united-vs-cf-montreal-2023-05-31/
Inter Miami vs New York RB https://gobetaverse.com/mls/inter-miami-vs-new-york-rb-2023-05-31/
New York City vs Cincinnati https://gobetaverse.com/mls/new-york-city-vs-cincinnati-2023-05-31/
Philadelphia vs Charlotte https://gobetaverse.com/mls/philadelphia-vs-charlotte-2023-05-31/
Toronto vs Chicago Fire https://gobetaverse.com/mls/toronto-vs-chicago-fire-2023-05-31/
Austin vs Minnesota Utd https://gobetaverse.com/mls/austin-vs-minnesota-utd-2023-05-31/
Sporting KC vs Dallas https://gobetaverse.com/mls/sporting-kc-vs-dallas-2023-05-31/
Real Salt Lake vs LA Galaxy https://gobetaverse.com/mls/real-salt-lake-vs-la-galaxy-2023-05-31/
Los Angeles FC vs St. Louis City https://gobetaverse.com/mls/los-angeles-fc-vs-st-louis-city-2023-05-31/
Seattle vs SJ Earthquakes https://gobetaverse.com/mls/seattle-vs-sj-earthquakes-2023-05-31/
Vancouver vs Houston Dynamo https://gobetaverse.com/mls/vancouver-vs-houston-dynamo-2023-05-31/
Denmark - Superligaen
Randers FC vs AGF Aarhus https://gobetaverse.com/superligaen/randers-fc-vs-agf-aarhus-2023-05-30/Saudi Arabia - Saudi Pro League
Al Adalh vs Al Ittifaq https://gobetaverse.com/saudi-pro-league/al-adalh-vs-al-ittifaq-2023-05-31/Al Hilal vs Al Raed https://gobetaverse.com/saudi-pro-league/al-hilal-vs-al-raed-2023-05-31/
Al Ittihad vs Al Tai https://gobetaverse.com/saudi-pro-league/al-ittihad-vs-al-tai-2023-05-31/
Al Khaleej vs Abha https://gobetaverse.com/saudi-pro-league/al-khaleej-vs-abha-2023-05-31/
Al Nassr vs Al Fateh https://gobetaverse.com/saudi-pro-league/al-nassr-vs-al-fateh-2023-05-31/
Al Taawon vs Al Batin https://gobetaverse.com/saudi-pro-league/al-taawon-vs-al-batin-2023-05-31/
Al Wahda vs Al Feiha https://gobetaverse.com/saudi-pro-league/al-wahda-vs-al-feiha-2023-05-31/
Damak vs Al Shabab https://gobetaverse.com/saudi-pro-league/damak-vs-al-shabab-2023-05-31/
Japan - J1 League
Urawa RD vs S. Hiroshima https://gobetaverse.com/j1-league/urawa-rd-vs-s-hiroshima-2023-05-31/Egypt - Egyptian Premier League
National Bank vs El Daklyeh https://gobetaverse.com/egyptian-premier-league/national-bank-vs-el-daklyeh-2023-05-31/Al Mokawloon vs Ismaily https://gobetaverse.com/egyptian-premier-league/al-mokawloon-vs-ismaily-2023-05-31/
International - Tennis
Yoshihito Nishioka vs J J Wolf (French Open ATP - 1R - Clay) https://gobetaverse.com/atp-wta/yoshihito-nishioka-vs-j-j-wolf-french-open-atp-1r-clay-2023-05-30/Petra Martic vs Shelby Rogers (French Open WTA - 1R - Clay) https://gobetaverse.com/atp-wta/petra-martic-vs-shelby-rogers-french-open-wta-1r-clay-2023-05-30/
Victoria Azarenka vs Bianca Andreescu (French Open WTA - 1R - Clay) https://gobetaverse.com/atp-wta/victoria-azarenka-vs-bianca-andreescu-french-open-wta-1r-clay-2023-05-30/
2023.05.31 14:12 wforwumbo1 What's a weird law in your city/state/or country?
 | submitted by wforwumbo1 to AskMiddleEast [link] [comments] |
2023.05.31 09:02 ammodotcom .357 SIG Defensive Ammo: Effective and Underrated
.357 SIG (or 9x22mm) may not have set the handgun world on fire quite the way Federal and SIG Sauer wanted it to, but that wasn’t necessarily the round’s fault. Since its introduction nearly 30 years ago, it has gained a niche but loyal following and proven itself to be a worthy defensive cartridge.
Of course, as with any round, high-quality, purpose-built defensive ammo makes a world of difference compared to standard target ammo, so it’s important to run something you can depend on when you need it most.
The best .357 SIG defense ammo is the 125gr Speer Gold Dot GDHP Hollow Points.
Still, there are a host of other options out there worth considering as well, especially if you like to experiment with your carry ammo to find the best possible fit for you and your gun.
This .357 SIG ammo functioned reliably in every semi-automatic handgun we tested, including in my own Glock 32 concealed carry and a SIG P229 Nitron.
These 125-grain JHPs pass the FBI’s penetration test in ballistics gel, and the stellar Gold Dot design provides extremely uniform and consistent expansion.
The Uni-Cor bonding method and pressure-formed projectile core ensure the copper jacket and lead core stay together and don’t separate when passing through a hard barrier.
At 525ft.-lbs of energy, this is also one of the most powerful .357 SIG cartridges on shelves right now.
The HST bullet is designed to maintain mass as it travels through soft tissue while still expanding reliably to cause sufficient wounding and prevent overpenetration. In testing, it maintained the most mass after full penetration of any round on this list.
That means that when the round gets to where it’s going, it’s still mostly intact and transferred more of its energy to the target (a gel block in this case) while expanding. Like our top pick, it meets FBI penetration test standards and is used by numerous state-level police agencies and investigation bureaus.
This stuff is very similar to the more expensive Personal Defense line above and provides the same bullet moving at the same velocity (and thus with the same energy). It has proven extremely reliable in our testing and works great in most common .357 SIG handguns.
The downside is it’s hard to find in the nickel-plated casings, so you’re left with the more corrosion-prone brass cases most of the time. Is that a problem for most people? Maybe, maybe not. Just make sure you’re checking your carry ammo occasionally, and you’ll be fine.
Other than that, it can be hard to find in 20-rd boxes, so you might occasionally need to buy 50+rd boxes but…I find it difficult to call having more ammo a bad thing.
Hornady Critical Duty .357 SIG 135 Grain FlexLock: A solid performer that features Hornady’s no-clog Flex-Tip projectile that is designed to better deal with thick clothing, plus an InterLock band that helps keep the projectile intact for maximum penetration and expansion.
It also passes all FBI ammunition tests, is nickel-plated for more reliable feeding, and uses proprietary powder formulations to reduce muzzle flash.
Underwood Ammo .357 SIG 147 Grain Jacketed Hollow Point: A great option that uses Hornady’s excellent (and field-proven) XTP hollow point coupled with a nickel-plated case for reliable feeding and ejection. Also uses low-flash powder to preserve vision when shooting in dark environments.
Winchester Defender 125gr Bonded JHP: Winchester’s proven bonded jacketed hollow point design has passed every FBI penetration test and evaluation protocol and is in use by multiple State police departments and federal organizations. It has a proven track record in the field and is a good value as well.
Remington Golden Saber 125gr JHP: Another law-enforcement favorite, Remington’s Golden Saber line is a great option that functions well, and won’t break the bank. This is a notable step up in performance from say, Remington’s UMC line, and is perfect for self/home defense.
Fiocchi 124gr FMJ-TC: This one is a little bit different in that it isn’t a hollow point at all and shouldn’t be used for defensive purposes. Why is it on our list, then? Because it is an affordable flat-nosed training bullet. It leaves very clear holes in paper targets and is perfect for competition scoring.
If you’re looking to shoot something like an IDPA or USPSA match with your chosen carry gun, pick up some of this stuff instead of shooting the much more expensive hollow points to ring steel and punch paper.
When looking at defensive ammo in general, the main things to look for are reliability, penetration, and expansion.
You need ammo that is going to function reliably in your gun, and you need to know that it is going to penetrate deep enough to do its job. Expanding ammo is also a must in order to cause a significant enough wound to stop a threat with a handgun.
The .357 SIG may have been intended to mimic the .357 Magnum when fired from a semi-auto handgun, but that doesn’t mean you can skimp and shoot a typical target FMJ instead of a purpose-built defense round and expect to stop a threat reliably.
You also need something that is controllable, and .357 SIG definitely is that. If you’re used to something like .45 ACP or 10mm, this will be a cakewalk. It’s a touch more recoil than a 9mm and about on par with .40 S&W.
That means the ammunition we choose needs to be a high-quality controlled-expansion hollow point that penetrates 12”-18” in ballistics media.
Why that distance?
That range is the ideal range to make sure you get enough penetration when striking a human attacker to go through an arm, thick clothing, or something like a windshield or car door (both of which are more of a police issue than a civilian issue) and still have enough energy to reach a vital organ.
Why is there an upper range? Because if a bullet over-penetrates, you risk striking an innocent bystander, and at best, you’re wasting energy. We want a bullet that expends all of its energy on the assailant, not the wall behind them.
Let’s take a look at the types of bullets that can provide this type of performance.
However, since they don’t expand when striking a soft surface, they’re not ideal for self-defense.
Total Metal Jacket (TMJ): TMJ rounds are similar but feature a copper coating on the rear of the bullet to completely enclose the lead projectile. This is ideal for indoor range shooting as it lowers lead exposure and is required in some cases. They’re still not ideal for self-defense.
Jacketed Hollow Point (JHP): A jacketed hollow point is the preferred carry round of almost all police and law enforcement agencies. These rounds feature a copper-wrapped lead projectile, just like the two choices above.
However, these rounds have a hollow nose, which causes the round to mushroom open to almost twice its initial diameter when striking a soft surface. This effectively turns a .357 caliber projectile into a .70+ caliber projectile after it hits an assailant.
This makes them much more effective at stopping a human threat and also keeps them from over-penetrating and thereby wasting their energy on something you don’t want to put a hole in, like your apartment wall or an innocent bystander.
Solid-Copper Hollow Point (SCHP): A solid-copper hollow point is exactly what it sounds like. These rounds are more expensive and rare in the .357 SIG space, but companies like Buffalo Bore do make them. These hollow points penetrate more than is strictly necessary for a human-sized threat and are more intended for dealing with large game animals.
What neither I nor anyone else on the internet can do for you is test your chosen defensive ammo in your gun.
Defensive firearms have gotten a lot less picky about bullet weights and projectile profiles over the years, but it’s still important that you take your ammo to the range and test it extensively. I personally go through about three or four boxes or so of my chosen ammo each time to make sure it functions reliably in a new gun.
I know that’s expensive, but I’d rather know my ammo works. At the bare minimum, shoot a couple of full mags at real-world distances. Pick a handgun self-defense drill and run through it a few times to make sure your gun will cycle your chosen ammo well.
On the state side of things, the Texas Hwy Patrol and the state police forces of Delaware, Mississippi, Montana, New Mexico, North Carolina, Oklahoma, Rhode Island, Tennessee, and Virginia have all used .357 SIG duty weapons.
On the federal side, the Secret Service, Bureau of Industry and Security, Air Marshals, Customs and Border Patrol, and FBI have all used .357 SIG as well.
With the best .357 Sig defense ammo, you should feel confident with wielding a SIG .357 in defense of hearth and home, and you’ll have the bonus of probably being the only one of your buddies to carry one.
For more info, check out our complete list of .357 SIG ammo, or check out our in-depth comparison of .357 SIG and 9mm to see how this slightly niche round stands up to the self-defense king. We also have more info on this great round and how to choose the perfect ammo below.
.357 SIG Defensive Ammo: Effective and Underrated originally appeared on Ammo.com
submitted by ammodotcom to SigSauer [link] [comments]
Of course, as with any round, high-quality, purpose-built defensive ammo makes a world of difference compared to standard target ammo, so it’s important to run something you can depend on when you need it most.
The best .357 SIG defense ammo is the 125gr Speer Gold Dot GDHP Hollow Points.
Still, there are a host of other options out there worth considering as well, especially if you like to experiment with your carry ammo to find the best possible fit for you and your gun.
Best .357 Sig Ammo for Self Defense
- Speer Gold Dot 125gr GDHP - Best Overall
- Federal Personal Defense HST 125gr Jacketed Hollow Point - Law Enforcement Favorite
- Federal Premium 125gr Jacketed Hollow Point - Best Value
Speer Gold Dot 125gr GDHP - Best Overall
Specs
- Bullet Type: Gold Dot Jacketed Hollow Point
- Bullet Weight: 125gr
- Muzzle Velocity: 1375fps
- Muzzle Energy: 525ft-lbs
- Casing Type: Nickel-Plated Brass
Pros
- Proven track record in law enforcement use
- Nickel-plated casing for more reliable function in semi-auto handguns than brass cases
- Very high muzzle velocity for consistent penetration and expansion
- Meets or exceeds FBI penetration standards
Cons
- More expensive than other similar options like Speer Lawman
- Hard to find in stock at times
Why We Chose It
Speer Gold Dot Hollow Points are one of the premier hollow point options out there and have proven themselves in the hands of state and federal law enforcement for decades now.This .357 SIG ammo functioned reliably in every semi-automatic handgun we tested, including in my own Glock 32 concealed carry and a SIG P229 Nitron.
These 125-grain JHPs pass the FBI’s penetration test in ballistics gel, and the stellar Gold Dot design provides extremely uniform and consistent expansion.
The Uni-Cor bonding method and pressure-formed projectile core ensure the copper jacket and lead core stay together and don’t separate when passing through a hard barrier.
At 525ft.-lbs of energy, this is also one of the most powerful .357 SIG cartridges on shelves right now.
Other .357 SIG Ammunition Recommendations for Defense
Federal Personal Defense HST 125gr Jacketed Hollow Point
Specs
- Bullet Type: Federal HST Jacketed Hollow Point
- Bullet Weight: 125gr
- Muzzle Velocity: 1360fps
- Muzzle Energy: 513ft-lbs
- Casing Type: Nickel-Plated Brass
Pros
- Ideal penetration in ballistics testing
- Proven HST hollow point design
- Used by multiple state law enforcement agencies, as well as federal agencies abroad
- Lightest recoil on our list
Cons
- Expensive
- HST Hollow point expands less consistently after passing through a hard surface like a windshield
Why We Chose It
Federal’s HST hollow point design is another proven contender in the world of defensive ammunition. This high-velocity ammo is nickel-plated for reliable feeding and features sealed primers for stellar function in adverse conditions (or if you’ve left your ammo loaded in your mag a little long).The HST bullet is designed to maintain mass as it travels through soft tissue while still expanding reliably to cause sufficient wounding and prevent overpenetration. In testing, it maintained the most mass after full penetration of any round on this list.
That means that when the round gets to where it’s going, it’s still mostly intact and transferred more of its energy to the target (a gel block in this case) while expanding. Like our top pick, it meets FBI penetration test standards and is used by numerous state-level police agencies and investigation bureaus.
Federal Premium Law Enforcement 125gr JHP
Specs
- Bullet Type: HST Jacketed Hollow Point
- Bullet Weight: 125gr
- Muzzle Velocity: 1360 fps
- Muzzle Energy: 513ft-lbs
- Casing Type: Nickel-Plated Brass/ Plain Brass
Pros
- Similar performance to Personal Defense line above
- Much more affordable than other premium hollow points
- Available in bulk
Cons
- Hard to find the nickel-plated variety
- Typically only available in 50rd+ boxes
Why We Chose It
It’s never a good idea to be too cheap when it comes to your self-defense ammo, but Federal has still got the misers among us covered with their SIG .357 Law Enforcement 125gr JHP ammo.This stuff is very similar to the more expensive Personal Defense line above and provides the same bullet moving at the same velocity (and thus with the same energy). It has proven extremely reliable in our testing and works great in most common .357 SIG handguns.
The downside is it’s hard to find in the nickel-plated casings, so you’re left with the more corrosion-prone brass cases most of the time. Is that a problem for most people? Maybe, maybe not. Just make sure you’re checking your carry ammo occasionally, and you’ll be fine.
Other than that, it can be hard to find in 20-rd boxes, so you might occasionally need to buy 50+rd boxes but…I find it difficult to call having more ammo a bad thing.
Honorable Mentions
There are a few other options that we either haven’t tested in a wide enough variety of guns yet or that we’re just waiting on manufacturers to restock. These are rounds that I personally trust, from manufacturers with a reputation for quality. I’d carry any of these (and have in some cases).Hornady Critical Duty .357 SIG 135 Grain FlexLock: A solid performer that features Hornady’s no-clog Flex-Tip projectile that is designed to better deal with thick clothing, plus an InterLock band that helps keep the projectile intact for maximum penetration and expansion.
It also passes all FBI ammunition tests, is nickel-plated for more reliable feeding, and uses proprietary powder formulations to reduce muzzle flash.
Underwood Ammo .357 SIG 147 Grain Jacketed Hollow Point: A great option that uses Hornady’s excellent (and field-proven) XTP hollow point coupled with a nickel-plated case for reliable feeding and ejection. Also uses low-flash powder to preserve vision when shooting in dark environments.
Winchester Defender 125gr Bonded JHP: Winchester’s proven bonded jacketed hollow point design has passed every FBI penetration test and evaluation protocol and is in use by multiple State police departments and federal organizations. It has a proven track record in the field and is a good value as well.
Remington Golden Saber 125gr JHP: Another law-enforcement favorite, Remington’s Golden Saber line is a great option that functions well, and won’t break the bank. This is a notable step up in performance from say, Remington’s UMC line, and is perfect for self/home defense.
Fiocchi 124gr FMJ-TC: This one is a little bit different in that it isn’t a hollow point at all and shouldn’t be used for defensive purposes. Why is it on our list, then? Because it is an affordable flat-nosed training bullet. It leaves very clear holes in paper targets and is perfect for competition scoring.
If you’re looking to shoot something like an IDPA or USPSA match with your chosen carry gun, pick up some of this stuff instead of shooting the much more expensive hollow points to ring steel and punch paper.
Buyer’s Guide: The Importance of Selecting the Right Defensive Ammo (.357 SIG or Otherwise)
When it comes to choosing defensive ammo, there are a few things to keep in mind. At the end of the day, you’re carrying this ammo in case you need to stop a threat in a life-or-death situation, and that means your ammo absolutely cannot be found wanting.When looking at defensive ammo in general, the main things to look for are reliability, penetration, and expansion.
You need ammo that is going to function reliably in your gun, and you need to know that it is going to penetrate deep enough to do its job. Expanding ammo is also a must in order to cause a significant enough wound to stop a threat with a handgun.
The .357 SIG may have been intended to mimic the .357 Magnum when fired from a semi-auto handgun, but that doesn’t mean you can skimp and shoot a typical target FMJ instead of a purpose-built defense round and expect to stop a threat reliably.
You also need something that is controllable, and .357 SIG definitely is that. If you’re used to something like .45 ACP or 10mm, this will be a cakewalk. It’s a touch more recoil than a 9mm and about on par with .40 S&W.
Factors to Consider when Selecting .357 Sig Self-Defense Ammo
Choosing a .357 SIG round for carry means picking something that is going to expand consistently, defeat barriers like thick clothing or the arm of an assailant, and still penetrate deeply enough to cause significant trauma to a vital organ.That means the ammunition we choose needs to be a high-quality controlled-expansion hollow point that penetrates 12”-18” in ballistics media.
Why that distance?
That range is the ideal range to make sure you get enough penetration when striking a human attacker to go through an arm, thick clothing, or something like a windshield or car door (both of which are more of a police issue than a civilian issue) and still have enough energy to reach a vital organ.
Why is there an upper range? Because if a bullet over-penetrates, you risk striking an innocent bystander, and at best, you’re wasting energy. We want a bullet that expends all of its energy on the assailant, not the wall behind them.
Let’s take a look at the types of bullets that can provide this type of performance.
Types of .357 Sig Defense Ammunition: Bullet Types Explained
Full metal jacket (FMJ): FMJ rounds consist of a lead bullet with a (usually) copper coating around the exposed lead. This creates a projectile that holds its shape as it strikes a soft surface. These rounds are very affordable and great for target shooting.However, since they don’t expand when striking a soft surface, they’re not ideal for self-defense.
Total Metal Jacket (TMJ): TMJ rounds are similar but feature a copper coating on the rear of the bullet to completely enclose the lead projectile. This is ideal for indoor range shooting as it lowers lead exposure and is required in some cases. They’re still not ideal for self-defense.
Jacketed Hollow Point (JHP): A jacketed hollow point is the preferred carry round of almost all police and law enforcement agencies. These rounds feature a copper-wrapped lead projectile, just like the two choices above.
However, these rounds have a hollow nose, which causes the round to mushroom open to almost twice its initial diameter when striking a soft surface. This effectively turns a .357 caliber projectile into a .70+ caliber projectile after it hits an assailant.
This makes them much more effective at stopping a human threat and also keeps them from over-penetrating and thereby wasting their energy on something you don’t want to put a hole in, like your apartment wall or an innocent bystander.
Solid-Copper Hollow Point (SCHP): A solid-copper hollow point is exactly what it sounds like. These rounds are more expensive and rare in the .357 SIG space, but companies like Buffalo Bore do make them. These hollow points penetrate more than is strictly necessary for a human-sized threat and are more intended for dealing with large game animals.
How to Test 357 Sig Defense Ammo
When you’re testing any defensive ammo, as long as you’re going with an expanding projectile from a reputable name in the industry, you don’t really need to break out the ballistics gel yourself. Chances are, somebody online has already done that testing for you.What neither I nor anyone else on the internet can do for you is test your chosen defensive ammo in your gun.
Defensive firearms have gotten a lot less picky about bullet weights and projectile profiles over the years, but it’s still important that you take your ammo to the range and test it extensively. I personally go through about three or four boxes or so of my chosen ammo each time to make sure it functions reliably in a new gun.
I know that’s expensive, but I’d rather know my ammo works. At the bare minimum, shoot a couple of full mags at real-world distances. Pick a handgun self-defense drill and run through it a few times to make sure your gun will cycle your chosen ammo well.
Real-World Effectiveness of .357 SIG Defense Ammo
Despite the seeming lack of popularity of the .357 SIG, it’s still proven itself in real-world use by major state and federal law enforcement agencies.On the state side of things, the Texas Hwy Patrol and the state police forces of Delaware, Mississippi, Montana, New Mexico, North Carolina, Oklahoma, Rhode Island, Tennessee, and Virginia have all used .357 SIG duty weapons.
On the federal side, the Secret Service, Bureau of Industry and Security, Air Marshals, Customs and Border Patrol, and FBI have all used .357 SIG as well.
Frequently Asked Questions
What’s the difference between 9x22mm ammo and .357 sig ammo?
There is no difference between 9x22mm ammo and .357 Sig ammo. They are the same rounds.Is the 357 sig too much for self-defense?
No, the 357 Sig is not too much for self-defense.Can you use the 357 sig for home defense?
Yes, you can use the 357 Sig for home defense.Is 357 SIG a good defensive round?
Yes, 357 Sig is a good defensive round. Even though it’s not the most popular caliber, it’s more than capable of stopping a threat.Parting Shots
.357 Sig is a great option for self-defense, with a lot of great factory ammo options available that will help keep you and your loved ones safe. The round may be a bit niche, but that doesn’t mean it isn’t effective, and the ammo we’ve discussed here definitely proves that.With the best .357 Sig defense ammo, you should feel confident with wielding a SIG .357 in defense of hearth and home, and you’ll have the bonus of probably being the only one of your buddies to carry one.
For more info, check out our complete list of .357 SIG ammo, or check out our in-depth comparison of .357 SIG and 9mm to see how this slightly niche round stands up to the self-defense king. We also have more info on this great round and how to choose the perfect ammo below.
.357 SIG Defensive Ammo: Effective and Underrated originally appeared on Ammo.com
2023.05.31 06:53 Oh726h To try and tackle this issue with Subaru Forester or not?
So I have 2009 2.5 liter Subaru Forester, with a manual transmission. 185K miles.
Driving down the highway, steady check engine light comes on. Additionally, the cruise control is flashing/disabled, and the traction control light is on/disabled.
No difference in how it ran other than I couldn’t use cruise control. Lol.
Get to my parents, had to leave for the weekend cause I was riding with them to Texas, so I couldn’t do anything. Few days later, get back, and I hook up my OBD2 scanner to it:
P0457 EVAP system leak detected. (Fuel cap loose/off)
P2096 post catalyst fuel trim system too lean, bank 1
I reset the codes and drive back home. Lights don’t come on and cruise control works fine.
Things I want to add:
I stalled out twice as I left my parents house. Was gonna turn around but then when I stopped it didn’t stall. So I re-turned around & went home and never stalled again. Which, I have noticed lately the stalling was being funky, but had never actually stalled out.
Second, I also noticed lately that I smell fuel from inside the cabin and when I walk by the side where the gas cap is.
So, the point here is: Is there anything I can do, or is this a job for a mechanic?? I’m decent with my tools, I know how to do the typical stuff, change oil, spark plugs, simple stuff. My dad is a do-it-yourself guy with way more tools than I have, and he’s always helped me with past vehicles or motorcycles I have. But if this is something that might take a professional, I’ll skip asking him for help and not waste hours of his time or mine.
submitted by Oh726h to AskMechanics [link] [comments]
Driving down the highway, steady check engine light comes on. Additionally, the cruise control is flashing/disabled, and the traction control light is on/disabled.
No difference in how it ran other than I couldn’t use cruise control. Lol.
Get to my parents, had to leave for the weekend cause I was riding with them to Texas, so I couldn’t do anything. Few days later, get back, and I hook up my OBD2 scanner to it:
P0457 EVAP system leak detected. (Fuel cap loose/off)
P2096 post catalyst fuel trim system too lean, bank 1
I reset the codes and drive back home. Lights don’t come on and cruise control works fine.
Things I want to add:
I stalled out twice as I left my parents house. Was gonna turn around but then when I stopped it didn’t stall. So I re-turned around & went home and never stalled again. Which, I have noticed lately the stalling was being funky, but had never actually stalled out.
Second, I also noticed lately that I smell fuel from inside the cabin and when I walk by the side where the gas cap is.
So, the point here is: Is there anything I can do, or is this a job for a mechanic?? I’m decent with my tools, I know how to do the typical stuff, change oil, spark plugs, simple stuff. My dad is a do-it-yourself guy with way more tools than I have, and he’s always helped me with past vehicles or motorcycles I have. But if this is something that might take a professional, I’ll skip asking him for help and not waste hours of his time or mine.
2023.05.31 05:13 Zelphster Last year, I legally changed my name TWICE! LOL
If anyone has questions about legally changing your name, I'm happy to share what I've learned. I live in Austin, TX in the US. I'm also happy to guide others through the legal process. It is easy to do yourself. Or it was in Texas last year.
Some things I've learned:
Update your name everywhere as soon as you can. It will simplify your life. I would start with your Social Security Number. My employer wouldn't change my name until it, the SSN, was updated with my new name. Even though I had the legal paperwork, that wasn't enough for them. I understand that is not unusual. They want the tax info to match.
Other places to update your new name include your driver's license, passport, bank accounts, credit cards, whoever is in charge of your home -mortgage financing company or lease from apartment, insurance, company you pay your car payment, utilities, cell phone, colleges and schools you attended (needed to verify education levels) and work certifications or licenses. You should also update and get a new birth certificate. It will be important if you want to get a passport later.
Another place to update your records is the credit reporting agencies (Experian, Equifax, Trans Union). They will eventually update your name as the accounts that report to them report new info with your new name, but you can simplify things by being proactive. If you do anything that triggers a credit review, (apply for financing, apply for a job, shop around for insurance rates), you can run into problems with the name mismatch.
As far as updating your name at work, I understand most employers will be as accommodating as possible while helping you change your name. As I stated earlier, my employer would not change my name until I had the document for Social Security that showed I had updated my name there. Getting an appointment as the SS office took weeks. In that time, my work changed my name everywhere with a "preferred" name. This took place instantly and appeared as a legal and permanent a change to everyone. I got a new badge that same day with updated name, new company email with the new name, updated my info in the company directory. Then when I got my official Social Security document, I updated everything officially.
Why did I do it twice in one year? :) Well, I had been wanting to change my name for several years, but struggled to choose a name. There was so many to choose from! Finally, I made an appointment to file my documents with the name change request, and filled out the paperwork with my favorite name as of the day of the appointment. Then, once the legal name change was finalized and I started changing my name on documents and hearing the name used to get any attention, it hit me - I chose the wrong name. It was a great name, but a great name for someone else. However, this experience did give me clarity. Somehow, once I started hearing this new "wrong" name used for me, I understood with complete clarity on what my name SHOULD be. I was embarrassed to go back to change my name again but knew it was the right thing to do for me long term. So, I changed it again and now I love, love, LOVE my new name! I'm so glad I didn't let the embarrassment hold me back from completing the legal change the second time.
Any other questions? Fire away!
submitted by Zelphster to namenerds [link] [comments]
Some things I've learned:
Update your name everywhere as soon as you can. It will simplify your life. I would start with your Social Security Number. My employer wouldn't change my name until it, the SSN, was updated with my new name. Even though I had the legal paperwork, that wasn't enough for them. I understand that is not unusual. They want the tax info to match.
Other places to update your new name include your driver's license, passport, bank accounts, credit cards, whoever is in charge of your home -mortgage financing company or lease from apartment, insurance, company you pay your car payment, utilities, cell phone, colleges and schools you attended (needed to verify education levels) and work certifications or licenses. You should also update and get a new birth certificate. It will be important if you want to get a passport later.
Another place to update your records is the credit reporting agencies (Experian, Equifax, Trans Union). They will eventually update your name as the accounts that report to them report new info with your new name, but you can simplify things by being proactive. If you do anything that triggers a credit review, (apply for financing, apply for a job, shop around for insurance rates), you can run into problems with the name mismatch.
As far as updating your name at work, I understand most employers will be as accommodating as possible while helping you change your name. As I stated earlier, my employer would not change my name until I had the document for Social Security that showed I had updated my name there. Getting an appointment as the SS office took weeks. In that time, my work changed my name everywhere with a "preferred" name. This took place instantly and appeared as a legal and permanent a change to everyone. I got a new badge that same day with updated name, new company email with the new name, updated my info in the company directory. Then when I got my official Social Security document, I updated everything officially.
Why did I do it twice in one year? :) Well, I had been wanting to change my name for several years, but struggled to choose a name. There was so many to choose from! Finally, I made an appointment to file my documents with the name change request, and filled out the paperwork with my favorite name as of the day of the appointment. Then, once the legal name change was finalized and I started changing my name on documents and hearing the name used to get any attention, it hit me - I chose the wrong name. It was a great name, but a great name for someone else. However, this experience did give me clarity. Somehow, once I started hearing this new "wrong" name used for me, I understood with complete clarity on what my name SHOULD be. I was embarrassed to go back to change my name again but knew it was the right thing to do for me long term. So, I changed it again and now I love, love, LOVE my new name! I'm so glad I didn't let the embarrassment hold me back from completing the legal change the second time.
Any other questions? Fire away!
2023.05.31 04:39 ggroover97 What is your favorite movie from 1998? (American History X, The Big Lebowski, Rushmore, Saving Private Ryan, The Truman Show, etc.)
Examples:
submitted by ggroover97 to movies [link] [comments]
- American History X: Living a life marked by violence, neo-Nazi Derek finally goes to prison after killing two black youths. Upon his release, Derek vows to change; he hopes to prevent his brother, Danny, who idolizes Derek, from following in his footsteps.
- Antz: A rather neurotic ant tries to break from his totalitarian society while trying to win the affection of the princess he loves.
- Armageddon: After discovering that an asteroid the size of Texas will impact Earth in less than a month, NASA recruits a misfit team of deep-core drillers to save the planet.
- The Big Lebowski: Ultimate L.A. slacker Jeff "The Dude" Lebowski, mistaken for a millionaire of the same name, seeks restitution for a rug ruined by debt collectors, enlisting his bowling buddies for help while trying to find the millionaire's missing wife.
- Blade: A half-vampire, half-mortal man becomes a protector of the mortal race, while slaying evil vampires.
- A Bug’s Life: A misfit ant, looking for "warriors" to save his colony from greedy grasshoppers, recruits a group of bugs that turn out to be an inept circus troupe.
- City of Angels: An angel on Earth, a doctor unable to believe, a patient with a secret, a love story made in Heaven.
- Dark City: A man struggles with memories of his past, which include a wife he cannot remember and a nightmarish world no one else ever seems to wake up from.
- Deep Impact: A comet is discovered to be on a collision course with Earth. As doomsday nears, the human race prepares for the worst.
- Doctor Dolittle: A doctor discovers that he can communicate with animals.
- Elizabeth: The early years of the reign of Elizabeth I of England and her difficult task of learning what is necessary to be a monarch.
- The Faculty: When Casey Connor, Herrington High School's newspaper photographer, witnesses the murder of a nurse and sees her alive again, he decides to investigate the bizarre happenings.
- Fallen: Homicide detective John Hobbes witnesses the execution of serial killer Edgar Reese. Soon after the execution, the killings start again, and they are very similar to Reese's style.
- Following: A young writer who follows strangers for material meets a thief who takes him under his wing.
- Godzilla: French nuclear tests irradiate an iguana into a giant monster that heads off to New York City. The American military must chase the monster across the city to stop it before it reproduces.
- Happiness: The lives of several individuals intertwine as they go about their lives in their own unique ways, engaging in acts which society as a whole might find disturbing in a desperate search for human connection.
- Lethal Weapon 4: With personal crises and age weighing in on them, LAPD officers Riggs and Murtaugh must contend with deadly Chinese triads that are trying to free their former leaders out of prison and onto American soil.
- Lock, Stock and Two Smoking Barrels: Eddy persuades his three pals to pool money for a vital poker game against a powerful local mobster, Hatchet Harry. Eddy loses, after which Harry gives him a week to pay back 500,000 pounds.
- Meet Joe Black: Death, who takes the form of a young man killed in an accident, asks a media mogul to act as his guide to teach him about life on Earth and, in the process, he falls in love with the mogul's daughter.
- Mulan: To save her father from death in the army, a young maiden secretly goes in his place and becomes one of China's greatest heroines in the process.
- The Negotiator: In a desperate attempt to prove his innocence, a skilled police negotiator accused of corruption and murder takes hostages in a government office to gain the time he needs to find the truth.
- Out of Sight: A career bank robber breaks out of jail, and shares a moment of mutual attraction with a U.S. Marshal he was kidnapped.
- Pleasantville: Two 1990s teenage siblings find themselves transported to a 1950s sitcom where their influence begins to profoundly change that colorless, complacent world.
- Practical Magic: Two witch sisters, raised by their eccentric aunts in a small town, face closed-minded prejudice and a curse which threatens to prevent them ever finding lasting love.
- The Prince of Egypt: Egyptian Prince Moses learns of his identity as a Hebrew and his destiny to become the chosen deliverer of his people.
- Ronin: A freelancing former U.S. Intelligence Agent tries to track down a mysterious package that is wanted by the Irish and the Russians.
- Rush Hour: A loyal and dedicated Hong Kong Inspector teams up with a reckless and loudmouthed L.A.P.D. detective to rescue the Chinese Consul's kidnapped daughter, while trying to arrest a dangerous crime lord along the way.
- Rushmore: A teenager at Rushmore Academy falls for a much older teacher and befriends a middle-aged industrialist. Later, he finds out that his love interest and his friend are having an affair, which prompts him to begin a vendetta.
- Saving Private Ryan: Following the Normandy Landings, a group of U.S. soldiers go behind enemy lines to retrieve a paratrooper whose brothers have been killed in action.
- Shakespeare in Love: The world's greatest ever playwright, William Shakespeare, is young, out of ideas and short of cash, but meets his ideal woman and is inspired to write one of his most famous plays.
- A Simple Plan: Three blue-collar acquaintances come across millions of dollars in lost cash and make a plan to keep their find from the authorities, but it isn't long before complications and mistrust weave their way into the plan.
- Small Soldiers: When missile technology is used to enhance toy action figures, the toys soon begin to take their battle programming too seriously.
- Snake Eyes: A shady police detective finds himself in the middle of a murder conspiracy at an important boxing match in an Atlantic City casino.
- Star Trek: Insurrection: When the crew of the Enterprise learn of a Federation conspiracy against the inhabitants of a unique planet, Captain Picard begins an open rebellion.
- There's Something About Mary: A man gets a chance to meet up with his dream girl from high school, even though his date with her back then was a complete disaster.
- The Thin Red Line: Adaptation of James Jones' autobiographical 1962 novel, focusing on the conflict at Guadalcanal during the second World War.
- The Truman Show: An insurance salesman discovers his whole life is actually a reality TV show.
- What Dreams May Come: Chris Nielsen dies in an accident, and enters Heaven. But when he discovers that his beloved wife Annie has killed herself out of grief over the loss, he embarks on an afterlife adventure to reunite with her.
- Wild Things: A police detective uncovers a conspiracy behind a case involving a high-school guidance counselor when accusations of rape are made against him by two female students.
- You’ve Got Mail: Book superstore magnate Joe Fox and independent book shop owner Kathleen Kelly fall in love in the anonymity of the Internet, both blissfully unaware that he's trying to put her out of business.
2023.05.30 23:35 Swagmeoutpls Best casting rod under $200?
Looking to upgrade my casting rod after snapping a Berkeley Lightning rod. It’ll be paired with a Shimano SLX DC 150HG and 10-12lb fluorocarbon. Something versatile would suit my fishing better because I’m still trying a lot of things. I’m a bank angler and I like throwing jerkbaits, texas rigs, dropshots, and chatterbaits mostly
submitted by Swagmeoutpls to Fishing_Gear [link] [comments]
2023.05.30 22:06 micrander Cash gift from someone living in Mexico? Do I need to pay taxes on this?
I apologize in advance if this has been answered - I tried searching but couldn’t find this exact scenario and would love some peace of mind.
I have an Uncle who is a Mexican citizen and he has never used a bank in his life, a mattress stuffer type. I’m buying a home shortly and he offered to give me $40k to help with the down payment. The issue is, he wired the money (in pesos, so I assume it was converted in this process?) to one of his friends in Texas and that man withdrew the $40k in US dollars and just came and handed it to me directly here in Colorado all in cash.
This is not what I was expecting and am pretty confused as to how I can deposit this money without raising some major red flags. The man who received the wire transfer, whom I don’t know aside from his first name, is not willing to give me any of his info so I can show the trail of where this cash came from and my bank simply told me “the giver of the gift is the one who has to pay the taxes, not you”. But if he’s in Mexico and did this weird workaround to get the money to me how do I prove who the giver of the gift was? I feel very stressed with this large sum of cash sitting here in my home and want to handle this as quickly and accurately as possible.
submitted by micrander to tax [link] [comments]
I have an Uncle who is a Mexican citizen and he has never used a bank in his life, a mattress stuffer type. I’m buying a home shortly and he offered to give me $40k to help with the down payment. The issue is, he wired the money (in pesos, so I assume it was converted in this process?) to one of his friends in Texas and that man withdrew the $40k in US dollars and just came and handed it to me directly here in Colorado all in cash.
This is not what I was expecting and am pretty confused as to how I can deposit this money without raising some major red flags. The man who received the wire transfer, whom I don’t know aside from his first name, is not willing to give me any of his info so I can show the trail of where this cash came from and my bank simply told me “the giver of the gift is the one who has to pay the taxes, not you”. But if he’s in Mexico and did this weird workaround to get the money to me how do I prove who the giver of the gift was? I feel very stressed with this large sum of cash sitting here in my home and want to handle this as quickly and accurately as possible.
2023.05.30 21:58 sfgadv StatesVision 2023 Signups
 | https://preview.redd.it/difa1t9tp03b1.png?width=2475&format=png&auto=webp&s=5dd3c9b44e017026f8eca279cdc36f67e7d5b912 submitted by sfgadv to FantasyVisionContests [link] [comments] Hello America! Last year in New York City, Shallou represented Maryland in StatesVision and won with his song Fading. Thanks to him, StatesVision will be held in Baltimore, Maryland this year at the CFG Bank Arena! The slogan and the artwork of this year's contest are inspired by Baltimore's history as a major seaport and how bays and oceans play large parts in Maryland's geography. Before we begin, I will dive into the format, rules, and schedule of the contest. Format: Like in previous editions, there will be three semi-finals based on where the states are located. There will be qualifiers from these semi-finals, but the amount may vary based on how many participants there are. The qualifiers from the semi-finals will perform in the grand final along with the host state Maryland who is pre qualified. In the grand final, the states which are in the final will be jury voters and the NQs will be televoters. Their scores will be combined together and a new winner will be found. In the semi finals, the states in their respective semi finals will be jury voters whilst also being televoters in another semi final selected at random. Song Rules:
With that, let us Feel the Tide and begin StatesVision 2023!
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2023.05.30 21:49 Dear-Tomatillo6380 How to get out of an business relationship and ownership stake
Background and context: I had a mentor who was a boss of mine until a month or so ago. I asked how he could help me about two years ago get into and start building a portfolio of assets. We started an LLC together and here are the order of events so far since inception (July 2021): 1.) Started an entity 2.) Middle of 2022 found a deal to purchase two Salt Water Disposal Wells in Texas. Around the same time I put some capital down for an oil brokerage deal through him. You buy from some crude hauling company and sell to another and take the arbitrage. We're also working towards being an LP in a trucking company with $0 capital down. The way we're doing $0 down is basically helping the purchaser structure the deal, who isn't financially savvy but knows how to run and operate a company like this. 3.) He convinced me that we should form an operating company and operate the wells. I suggested that we just hire a third party operator since we aren't PE's but he insisted on this being the way since he's done this in the past. We did this through the RRC of Texas and had a P5 operating number to manage the wells. Through this we needed an operating agreement so we got that signed. When he signed it looks like he crossed out every sections header. I didn't notice because he was the second signature and the one who shared it with the bank. 4.) I invest in a brokerage deal with him where the capital was supposed to return in 4 months. 4.) After a month or so, I wanted to ensure we were properly documenting all of the documents across the business, crossing our t's and dotting our i's per se. I did this and found 6 wells I had never heard of under our operating entity. I brought this up with documentation to him, he profusely apologized because it was just supposed to be a placeholder. 5.) I accepted his apology and the workaround was to get me off of the LLC, co-own a "parent" entity which owns 50% of the "operating" entity. So this way I had no liability in the operating entity but financial upside in the deal. Again, acting as a 'mentor' this is what we came to a conclusion of. It seemed fair to both parties due to the mishap. 6.) Around the end of last year he was threatened by the company that sold us the wells that they would take back the wells along with up to 1mm of damages done to the mismanagement of the property. They sent and addressed this to him since he's on file as the sole operator of the entity that operates the wells. I saw the letter because it came to our shared mailbox. Their claim was we didn't transfer the pit permit of which I had no clue needed to be done, and of which he didn't know because he doesn't know as much as he leads on to. Had we just contract operated this deal none of this would be an issue, but he doesn't give credence to that fact, just carries on as if the company that's threatening to sue knows nothing and that it would all be fine. 7.) He "handles it" and meets with the team who threatened that and talked them off the ledge. Or so he tells me. This has been where we've left that hiccup since. It's important to note at this point which was 2 months ago I'm thinking about how can I separate myself completely from this deal. I don't think I have risk the way it's structured but I don't really know for sure. 8.) As. all of this is coming to a head, the purchase of the trucking business is potentially happening. Somehow the loan to purchase the business is trying to get us to sign a personal guarantee, I decline, instead my "mentor", the guy who's going to own the majority of the trucking business sign a PG. They send me the docs after signing, but the way he signed was as the entity that we own through our parent org and him as the managing member, so our entity and really him personally have a recourse loan. 9.) When I'm looking at the loan after the fact, the thing is almost predatory. Pre-payment penalty is the full interest and principal of the loan plus the maximum allowable pre-payment penalty. Not to get into it but this was not the structure we needed based on what we were trying to do. I call them out but they already signed it. 10.) I quit my job. I don't want to work with the guy anymore. Reminder is that I worked with him at our a day jobs and this was just side income opportunities. 11.) As all of this is coming to a head it dawns on me that I just want out and don't know how to. Is the best way to just approach him in our meeting tomorrow and say I want a $0 buyout, he can have the assets (or in my opinion the liability) that he has taken on, and I just want off of the entities? 12.) As I'm strategizing the exit plan conversation with him, I'm having trouble getting him in person to talk through how I'd like to be out of the business. Long story short I need to solve for 3 things: 1.) Understand my liability with this loan that I did not sign a PG for but the entity that we are listed as owners of did (with he as a managing member) 2.) Understand my liability with the two SWD assets that the group threatened to sue him / the operating entity on. 3.) What should I do to separate myself from this completely, and as quickly as possible
submitted by Dear-Tomatillo6380 to legaladvice [link] [comments]
2023.05.30 21:30 Alexaendros Checking account (direct deposit) options for young adult?
Hello, not sure this is the right place but I am trying to help my half brother set up a checking account since he started his first job and ultimately this will lead into his financial planning. I have no clue about bank options or which ones to stay away from. I was lucky enough to be rolled in to USAA through my mother but he is not so lucky.
I am also trying to help him out because I am afraid of his mom (and my dad) having access to his account.
If anyone can help point me in the direction that would be much appreciated, mainly trying to get his direct deposit set up and go from there. If it matters, he is 18 now and we live in the US/Texas.
submitted by Alexaendros to FinancialPlanning [link] [comments]
I am also trying to help him out because I am afraid of his mom (and my dad) having access to his account.
If anyone can help point me in the direction that would be much appreciated, mainly trying to get his direct deposit set up and go from there. If it matters, he is 18 now and we live in the US/Texas.
2023.05.30 20:38 Sad_Tourist2111 Legal Advice- Family Law
Throw away account for privacy reasons. Names have been changed.
This is a long story.
About 20 years ago, my family and my grandparents (Jeff and Clara) lived together to help one another out. Think, communal living. My mom has a brother named Dean. Dean has always had a problem with the family living together and the last few months have been tumultuous to say the least. My mom and my grandfather (Dean's dad) have both died.
Clara is still living with my dad, Kyle and my sister, Liv. Overall, the relationships between them are strained. Clara will call and talk to Dean and complain about myself, Kyle and Liv. Dean has now began harassing me via text, phone call and email saying he wants Clara to come live with him. Clara says absolutely not because Dean drinks a lot and she doesn't like him.
Dean is threatening to get a lawyer involved, I do NOT have any power of attorney over Clara. Besides living with Kyle and Liv, she is pretty coherent and has private health caregivers taking care of her majority of the week. I have hired a house cleaner that comes in every other week to clean her room, her private health care provider helps her with laundry and bathing. Liv and I split the responsibility of taking her to appointments as needed and stay in regular contact with her doctors.
I am stuck between a rock and a hard place. I cannot afford an attorney to fight any impending legal battles. I have spoken with Clara about not talking about the family with Dean but that hasn't helped. I have filed a police report and have contacted Dean's attorney proactively (still waiting on a response).
Clara has Jeff's retirement and that is it outside of personal items. She doesn't have a vehicle and doesn't own a home or property as she has lived in my parents house. Dean seems to think we are financially exploiting her and has requested I send bank statements directly to him.
I guess my question is--do I need to get an attorney? What are my options? I have documentation of harassments, Dean stating that he doesn't want a relationship with Clara or anyone in our family. We are located in Texas.
TLDR: Uncle is trying to make my grandmother go live with him. He is threatening to get an attorney involved. I have contacted said attorney and am waiting. What can/should I do in the mean time? Grandma does not want to go with him.
submitted by Sad_Tourist2111 to legaladvice [link] [comments]
This is a long story.
About 20 years ago, my family and my grandparents (Jeff and Clara) lived together to help one another out. Think, communal living. My mom has a brother named Dean. Dean has always had a problem with the family living together and the last few months have been tumultuous to say the least. My mom and my grandfather (Dean's dad) have both died.
Clara is still living with my dad, Kyle and my sister, Liv. Overall, the relationships between them are strained. Clara will call and talk to Dean and complain about myself, Kyle and Liv. Dean has now began harassing me via text, phone call and email saying he wants Clara to come live with him. Clara says absolutely not because Dean drinks a lot and she doesn't like him.
Dean is threatening to get a lawyer involved, I do NOT have any power of attorney over Clara. Besides living with Kyle and Liv, she is pretty coherent and has private health caregivers taking care of her majority of the week. I have hired a house cleaner that comes in every other week to clean her room, her private health care provider helps her with laundry and bathing. Liv and I split the responsibility of taking her to appointments as needed and stay in regular contact with her doctors.
I am stuck between a rock and a hard place. I cannot afford an attorney to fight any impending legal battles. I have spoken with Clara about not talking about the family with Dean but that hasn't helped. I have filed a police report and have contacted Dean's attorney proactively (still waiting on a response).
Clara has Jeff's retirement and that is it outside of personal items. She doesn't have a vehicle and doesn't own a home or property as she has lived in my parents house. Dean seems to think we are financially exploiting her and has requested I send bank statements directly to him.
I guess my question is--do I need to get an attorney? What are my options? I have documentation of harassments, Dean stating that he doesn't want a relationship with Clara or anyone in our family. We are located in Texas.
TLDR: Uncle is trying to make my grandmother go live with him. He is threatening to get an attorney involved. I have contacted said attorney and am waiting. What can/should I do in the mean time? Grandma does not want to go with him.
2023.05.30 19:56 ZelionPrime Locator 35 Timeline
DOT: 7/1
4/20 - 3 Expedited passport renewal apps submitted to Post Office in Von Ormy, Texas
5/26 - 2 of 3 Applications approved, printed, and shipped via UPS next day air, estimated set for 5/30
submitted by ZelionPrime to Passports [link] [comments]
4/20 - 3 Expedited passport renewal apps submitted to Post Office in Von Ormy, Texas
- 1 for 2yr old toddler
- 1 for 8yr old
- 1 for 18yr old new adult
- 1 for 2yr old toddler - showing not available (WTF ???)
- 1 for 8yr old - received and in processing
- 1 for 18yr old new adult - received and in processing
5/26 - 2 of 3 Applications approved, printed, and shipped via UPS next day air, estimated set for 5/30
- 2yr old toddler - still showing not available (WTF ???)
- 2yr old toddler passport delivered, despite the "not available" status
- 8yr old passport delivered
- 18yr old passport not delivered yet
2023.05.30 19:30 Dear-Tomatillo6380 Need advice
Background and context:
I had a mentor who was a boss of mine until a month or so ago. I asked how he could help me about two years ago get into and start building a portfolio of assets. We started an LLC together and here are the order of events so far since inception (July 2021):
1.) Started an entity
2.) Middle of 2022 found a deal to purchase two Salt Water Disposal Wells in Texas. Around the same time I put some capital down for an oil brokerage deal through him. You buy from some crude hauling company and sell to another and take the arbitrage. We're also working towards being an LP in a trucking company with $0 capital down. The way we're doing $0 down is basically helping the purchaser structure the deal, who isn't financially savvy but knows how to run and operate a company like this.
3.) He convinced me that we should form an operating company and operate the wells. I suggested that we just hire a third party operator since we aren't PE's but he insisted on this being the way since he's done this in the past. We did this through the RRC of Texas and had a P5 operating number to manage the wells. Through this we needed an operating agreement so we got that signed. When he signed it looks like he crossed out every sections header. I didn't notice because he was the second signature and the one who shared it with the bank.
4.) I invest in a brokerage deal with him where the capital was supposed to return in 4 months.
4.) After a month or so, I wanted to ensure we were properly documenting all of the documents across the business, crossing our t's and dotting our i's per se. I did this and found 6 wells I had never heard of under our operating entity. I brought this up with documentation to him, he profusely apologized because it was just supposed to be a placeholder.
5.) I accepted his apology and the workaround was to get me off of the LLC, co-own a "parent" entity which owns 50% of the "operating" entity. So this way I had no liability in the operating entity but financial upside in the deal. Again, acting as a 'mentor' this is what we came to a conclusion of. It seemed fair to both parties due to the mishap.
6.) Around the end of last year he was threatened by the company that sold us the wells that they would take back the wells along with up to 1mm of damages done to the mismanagement of the property. They sent and addressed this to him since he's on file as the sole operator of the entity that operates the wells. I saw the letter because it came to our shared mailbox. Their claim was we didn't transfer the pit permit of which I had no clue needed to be done, and of which he didn't know because he doesn't know as much as he leads on to. Had we just contract operated this deal none of this would be an issue, but he doesn't give credence to that fact, just carries on as if the company that's threatening to sue knows nothing and that it would all be fine.
7.) He "handles it" and meets with the team who threatened that and talked them off the ledge. Or so he tells me. This has been where we've left that hiccup since.
It's important to note at this point which was 2 months ago I'm thinking about how can I separate myself completely from this deal. I don't think I have risk the way it's structured but I don't really know for sure.
8.) As. all of this is coming to a head, the purchase of the trucking business is potentially happening. Somehow the loan to purchase the business is trying to get us to sign a personal guarantee, I decline, instead my "mentor", the guy who's going to own the majority of the trucking business sign a PG. They send me the docs after signing, but the way he signed was as the entity that we own through our parent org and him as the managing member, so our entity and really him personally have a recourse loan.
9.) When I'm looking at the loan after the fact, the thing is almost predatory. Pre-payment penalty is the full interest and principal of the loan plus the maximum allowable pre-payment penalty. Not to get into it but this was not the structure we needed based on what we were trying to do. I call them out but they already signed it.
10.) I quit my job. I don't want to work with the guy anymore. Reminder is that I worked with him at our a day jobs and this was just side income opportunities.
11.) As all of this is coming to a head it dawns on me that I just want out and don't know how to. Is the best way to just approach him in our meeting tomorrow and say I want a $0 buyout, he can have the assets (or in my opinion the liability) that he has taken on, and I just want off of the entities?
12.) As I'm strategizing the exit plan conversation with him, I'm having trouble getting him in person to talk through how I'd like to be out of the business.
Long story short I need to solve for 3 things:
1.) Understand my liability with this loan that I did not sign a PG for but the entity that we are listed as owners of did (with he as a managing member)
2.) Understand my liability with the two SWD assets that the group threatened to sue him / the operating entity on.
3.) What should I do to separate myself from this completely, and as quickly as possible
submitted by Dear-Tomatillo6380 to legal [link] [comments]
I had a mentor who was a boss of mine until a month or so ago. I asked how he could help me about two years ago get into and start building a portfolio of assets. We started an LLC together and here are the order of events so far since inception (July 2021):
1.) Started an entity
2.) Middle of 2022 found a deal to purchase two Salt Water Disposal Wells in Texas. Around the same time I put some capital down for an oil brokerage deal through him. You buy from some crude hauling company and sell to another and take the arbitrage. We're also working towards being an LP in a trucking company with $0 capital down. The way we're doing $0 down is basically helping the purchaser structure the deal, who isn't financially savvy but knows how to run and operate a company like this.
3.) He convinced me that we should form an operating company and operate the wells. I suggested that we just hire a third party operator since we aren't PE's but he insisted on this being the way since he's done this in the past. We did this through the RRC of Texas and had a P5 operating number to manage the wells. Through this we needed an operating agreement so we got that signed. When he signed it looks like he crossed out every sections header. I didn't notice because he was the second signature and the one who shared it with the bank.
4.) I invest in a brokerage deal with him where the capital was supposed to return in 4 months.
4.) After a month or so, I wanted to ensure we were properly documenting all of the documents across the business, crossing our t's and dotting our i's per se. I did this and found 6 wells I had never heard of under our operating entity. I brought this up with documentation to him, he profusely apologized because it was just supposed to be a placeholder.
5.) I accepted his apology and the workaround was to get me off of the LLC, co-own a "parent" entity which owns 50% of the "operating" entity. So this way I had no liability in the operating entity but financial upside in the deal. Again, acting as a 'mentor' this is what we came to a conclusion of. It seemed fair to both parties due to the mishap.
6.) Around the end of last year he was threatened by the company that sold us the wells that they would take back the wells along with up to 1mm of damages done to the mismanagement of the property. They sent and addressed this to him since he's on file as the sole operator of the entity that operates the wells. I saw the letter because it came to our shared mailbox. Their claim was we didn't transfer the pit permit of which I had no clue needed to be done, and of which he didn't know because he doesn't know as much as he leads on to. Had we just contract operated this deal none of this would be an issue, but he doesn't give credence to that fact, just carries on as if the company that's threatening to sue knows nothing and that it would all be fine.
7.) He "handles it" and meets with the team who threatened that and talked them off the ledge. Or so he tells me. This has been where we've left that hiccup since.
It's important to note at this point which was 2 months ago I'm thinking about how can I separate myself completely from this deal. I don't think I have risk the way it's structured but I don't really know for sure.
8.) As. all of this is coming to a head, the purchase of the trucking business is potentially happening. Somehow the loan to purchase the business is trying to get us to sign a personal guarantee, I decline, instead my "mentor", the guy who's going to own the majority of the trucking business sign a PG. They send me the docs after signing, but the way he signed was as the entity that we own through our parent org and him as the managing member, so our entity and really him personally have a recourse loan.
9.) When I'm looking at the loan after the fact, the thing is almost predatory. Pre-payment penalty is the full interest and principal of the loan plus the maximum allowable pre-payment penalty. Not to get into it but this was not the structure we needed based on what we were trying to do. I call them out but they already signed it.
10.) I quit my job. I don't want to work with the guy anymore. Reminder is that I worked with him at our a day jobs and this was just side income opportunities.
11.) As all of this is coming to a head it dawns on me that I just want out and don't know how to. Is the best way to just approach him in our meeting tomorrow and say I want a $0 buyout, he can have the assets (or in my opinion the liability) that he has taken on, and I just want off of the entities?
12.) As I'm strategizing the exit plan conversation with him, I'm having trouble getting him in person to talk through how I'd like to be out of the business.
Long story short I need to solve for 3 things:
1.) Understand my liability with this loan that I did not sign a PG for but the entity that we are listed as owners of did (with he as a managing member)
2.) Understand my liability with the two SWD assets that the group threatened to sue him / the operating entity on.
3.) What should I do to separate myself from this completely, and as quickly as possible
2023.05.30 18:47 Jhonjournalist Markets Depreciate After the Opening Bell on Mixed Global Cues
 | submitted by Jhonjournalist to u/Jhonjournalist [link] [comments] The markets were largely unchanged on Tuesday, with the Nifty at 18,590.30 and the Sensex at 62,784, both down by 62.38 points. The biggest gainers were Kotak Bank, HCL Tech, Titan, ITC, and Wipro, while the top losers were IndusInd Bank, HDFC Bank, Asian Paints, L&T, and Maruti. As the businesses release their third-quarter results today, investors’ attention will be drawn to the stocks of Adani Ports, Bajaj Healthcare, Mankind Pharma, PC Jewellers, Reliance Infrastructure, V-Guard Industries, Suzlon Energy, Kirloskar Electric company, Greenply Industries, Patanjali Foods, Indiabulls Real Estate, 3M India, Apollo Hospitals Enterprises, Birla Tyres, and Mazagon Dock Shipbuilders. The Sensex and NiftyThe Sensex increased by 351 points to close the day over 63,000 points, driven by gains in the auto and metal sectors. Due to strong global cues, the Nifty also crossed the 18,600 mark at closing.Monday was a holiday; therefore, Wall Street was closed. Tuesday’s Asian markets were unsettled as a result of the impending vote on the proposed US debt agreement between US President Joe Biden and House Majority Leader Kevin McCarty.
Tuesday saw a continuation of the upward trend in oil prices as American policymakers made a hesitant choice to avoid a financial default amid concerns about future interest rate increases. In addition, there is the worry that OPEC+ will maintain the current output quotas. US West Texas Intermediate crude rose by 53 cents to $73.20 per barrel, while Brent crude futures jumped by 35 cents to $77.42 per barrel. In comparison to Monday’s close of 82.63, the Indian rupee opened weaker on Tuesday at 82.67 per dollar. Learn More: https://www.worldmagzine.com/stock-market/markets-depreciate-after-the-opening-bell-on-mixed-global-cues/ |
2023.05.30 14:36 Koreaonlinecasino Best For Bitcoin Poker and baccarat site
 | Welcome to Casino, the premier online destination for poker and baccarat enthusiasts looking to elevate their gaming experience with the power of Bitcoin. Step into a realm where cutting-edge technology intertwines with classic card games, creating a revolutionary platform designed for discerning players seeking security, privacy, and seamless transactions. submitted by Koreaonlinecasino to Affordabletax [link] [comments] As a dedicated Bitcoin casino, Casino offers a secure and transparent environment for players to enjoy their favorite poker and baccarat games. Embrace the advantages of cryptocurrency as you deposit, wager, and withdraw funds with ease, eliminating the hassles of traditional banking methods. For poker aficionados, Casino delivers an immersive and competitive poker experience like no other. Engage in exhilarating Texas Hold'em, Omaha, or Stud games, where skill, strategy, and a bit of luck come together for intense showdowns. Test your mettle against players from around the world and climb the ranks of our thrilling poker tournaments, all while enjoying the convenience and security of Bitcoin transactions. https://preview.redd.it/qaplabxm803b1.jpg?width=825&format=pjpg&auto=webp&s=500928255102b50ec26c638a26eb7bc762b166a5 If baccarat is your game of choice, Casino has you covered. Immerse yourself in the elegance and simplicity of this beloved card game, where your goal is to bet on the hand that comes closest to nine. Experience the thrill of watching the cards unfold in real-time, as you strategize your bets and aim for big wins. With various baccarat variations available, you'll find the perfect table to suit your preferences. Casino prioritizes the player's experience, offering a user-friendly interface and seamless gameplay on desktop and mobile devices alike. Our platform utilizes cutting-edge encryption and security measures to protect your funds and personal information, ensuring a safe and worry-free gaming environment. We pride ourselves on providing exceptional customer service, with a dedicated support team available around the clock to address any queries or concerns you may have. Whether you're a novice |
2023.05.30 12:07 RomanceMari5 Chorus One Partners with Onomy to Power DeFi Innovation
 | https://reddit.com/link/13vm5fj/video/rnh3if8uhz2b1/player submitted by RomanceMari5 to DecentralizedFinance [link] [comments] Official link https://docs.onomy.io Introduction Chorus One, a leading institutional staking provider, has teamed up with Onomy, a groundbreaking project that aims to revolutionize the connection between traditional financial markets and the decentralized world of DeFi. By creating a vertically-integrated ecosystem, Onomy combines the best of centralized exchanges with the decentralized ethos of Web3. The Onomy Network: Fast and Secure Proof-of-Stake Blockchain The Onomy Network (ONET) serves as the foundation for Onomy's ecosystem. Constructed using the Cosmos SDK framework, this Proof-of-Stake blockchain ensures scalability and efficiency by leveraging institutional validators like Chorus One. With its fast block time, high throughput, low latency, and low fees, the Onomy Network is designed to facilitate seamless financial transactions. Onomy Exchange (ONEX): A Unique Hybrid Decentralized Exchange The Onomy Exchange (ONEX) stands out as a hybrid, multi-chain decentralized exchange (DEX). It supports various order types, including limit, market, conditional, and stop-loss orders. Traders can enjoy cross-chain trading, advanced charting, and more, while liquidity providers can participate and earn rewards through the automated market-making (AMM) mechanism. ONEX aims to deliver a high-volume trading experience similar to traditional centralized exchanges, but with the added benefits of decentralization and non-custodial trading. https://preview.redd.it/2d993e5yhz2b1.jpg?width=453&format=pjpg&auto=webp&s=dd627aa54eb1ec93d18eb7b5b7ca18ad6eb47df5 Arc Bridge Hub: Seamless Cross-Chain Transfer The Onomy Arc Bridge Hub plays a crucial role in enabling cross-chain transfers. By integrating inter-blockchain communication (IBC), users can easily traverse between prominent blockchains within and beyond the Cosmos ecosystem. This solution simplifies the approval process for cross-bridge transactions and enhances the overall user experience. Onomy Reserve (ORES): Driving On-Chain Liquidity As the linchpin of the ecosystem, Onomy Reserve (ORES) serves as a decentralized reserve bank. It enables on-chain minting of stablecoins tied to fiat currencies, creating a trusted system for exchanging national currencies on-chain. With broad integration into the DeFi ecosystem and support for multiple national currencies, ORES opens up opportunities for efficient and seamless liquidity across integrated blockchains. $NOM Utility: Onomy's Native Network and Governance Token $NOM is the native network and governance token of Onomy. Validators, including Chorus One, and their delegators utilize $NOM to secure the proof-of-stake blockchain, cover transaction fees, and actively participate in governance decisions through the Onomy DAO. $NOM's utility extends to the Onomy Reserve, as outlined in the Onomy Improvement Proposals, and additional utility features can be voted on by the DAO. https://preview.redd.it/bjogc58zhz2b1.png?width=355&format=png&auto=webp&s=252b1d0040036391be66ff77b0259df51b92d96b Onomy, Forex, and the Future of DeFi Onomy represents a pivotal convergence point for crypto adoption and the development of a decentralized financial system that operates entirely on-chain. With support from influential investors and a dedicated team, including Chorus One, Onomy is poised to unlock new possibilities for on-chain Forex markets and broaden access to DeFi for both individual and institutional investors. Conclusion Chorus One's partnership with Onomy marks an important milestone in driving DeFi innovation. With their extensive experience in staking services and infrastructure, Chorus One is proud to support Onomy's mission of bridging the gap between traditional financial markets and the decentralized world of DeFi. Together, they are paving the way for a more inclusive and accessible financial future. Official link https://docs.onomy.io |