Craigslist high springs fl


2019.06.03 05:54 tdawg2020 HighSprings_FL

This community is for all things High Springs. Springs/River adventures, community events, or anything else, just keep it relevant and respectful.

2008.03.19 21:07 Colorado


2011.05.16 20:10 Iriestx Reddit Chili Appreciation Society


2023.06.03 02:56 Fitzwoppit I need Holly and Ivy removal advice, anyone able to help?

We are in the US, western WA state. Our front lawn is a slope down to a road. It has one very large cedar tree, a holly tree about 7ft tall and growing, 4 smaller holly trees that have popped up each about 1ft high right now, a blackberry bramble, and the entire ground around this is covered in completely out of control ivy. All of this was already established when we moved in, except the smaller holly trees that popped up this spring.
The slope is enough we have to have something that will help hold soil in place. We were planning to pull all the ivy we can and seed with clover and native wildflower seeds. We're thinking if the Holly is going to continue spreading we should take it out as well, it doesn't seem to attract any insects or critters to it's berries and is very close to the neighbor's fence.
We don't know how long it would take for the clover and flowers to fill in and don't want the soil to slide onto the road and/or destabilize the cedar tree. Does anyone have an experience or insight into a good way for us to handle this transition?
We are thinking that at some point putting in a retaining wall and leveling that area might be best, but don't have the funds to do that right now and need to improve things until that can happen. Are there any downsides you know of to removing the holly or any better ideas for stabilizing this area without using such invasive plants?
submitted by Fitzwoppit to NoLawns [link] [comments]

2023.06.03 02:47 billyboy888888 Another FITC Course Schedule Post

Hi Everyone,
I am posting this for my Daughter. She will be a first-year, OOS student, majoring in Physics and is in the Honors College. I think she got all A's in High School and took several AP courses/exams with either a 4 or 5 on all of them. She is also very social and will be going through sorority rush.
Here is the Fall Term courses she is thinking of taking:
MAC 2312(H) Calculus with Analytic Geometry II (4 hrs.) (Although she has yet to get here AP Calc Exam score back, she thinks it will definitely be a 4, with the possibility of a 5).
PHY 2048C(K) General Physics Using Calculus I (4 hrs.)
CHM 2045C(H) Chemistry Fundamentals I (4 hrs.)
IDH 1920H Honors Symposium (1 hr.)
AST 2002(H) Astronomy (3 hrs.) or a GEP (3 hrs.)
-> 16 credits total
Does the above look like it will be too much/difficult? Although she is a very good student, this will be her first time in College and away from home, wanting to join a sorority, and taking 3 difficult, "heavy" courses.
I suggested that she puts the CHM on hold and maybe take it in the Spring or next Fall.
Any thoughts and suggestions would be much appreciated.
submitted by billyboy888888 to ucf [link] [comments]

2023.06.03 02:19 bay-cleaves Pike being punks

First spring fishing trip of the year and it’s my first time fishing for pike. Slow trolled a decent sized swim bait and caught 4.. well missed 4. Every single one jumped straight up and threw the hook as soon as I got it near the kayak. One was a tank in the high 30 inches range I was pissed! I’ll be getting and using a net from now on but do all pike do this?
submitted by bay-cleaves to Fishing [link] [comments]

2023.06.03 02:10 Wooden_Line8462 I haven’t seen or heard from one of my best friends in 9 months

So I have this friend, we’ll call her Emily. Emily and I grew up together and became close in high school because we both moved to the same new town at the same time.
Emily was always really smart in school and ambitious with clear goals in mind, like this was the girl that was gonna go do things. She’s also just super cool, creative, and down to earth, and friends with everyone. She would mention struggling with anxiety a little bit, but not more than the average teen.
When we graduated high school I went to college and she took a gap year and did all this rad stuff like backpacking around europe and shit. We normally talk all the time but it was a bit harder to stay in touch during this time, which was understandable. She visited me and some of her other friends at school (we go to the same college) last spring and we hung out a lot over summer break last year. During this time she talked a lot about how anxious she was for starting school and how she wasn’t sure if she picked the right college. The school she chose was across the country and I had never really heard of it, but it seemed like a good school. She’s obviously very good at getting out of her comfort zone so the distance didn’t seem like an issue. I kept reassuring her that it was gonna be fine and she was gonna do great.
This past August during her move in week I tried texting her and she wasn’t responding. I didn’t hear from her for a few days so I checked in again and she said that she couldn’t move in due to mental health issues and was back home and she apologized for not responding. I was obviously concerned but I assured her that it was all right and she did the right thing.
I went over to see her house before I moved back to school and I asked her how she was and what happened that made her come home. She was kind of vague about the topic and said she just really fucked up and is just feeling really lost and isn’t sure what she’s gonna do, she mentioned maybe doing an outpatient program too but it was all really unclear. It was weird seeing her like this because like I said before, she was always a big overachiever and seemed to have her shit together. I hugged her and told her it was all going to be okay and that things will get better, and that she should come down and stay with me in my new apartment since my school is only 3 hours away. She thanked me and said she would visit and then I left. That was the last time I saw her.
I would text her in the beginning and she would sometimes not respond, but she would always express enthusiasm when we talked about her taking a trip down here. She would ask about my life but whenever I asked about hers she wouldn’t respond, or would take a few days to get back to me. She always apologized for not responding every time she went a long time without a text. But the replies became less and less frequent. I called her over winter break to see if we could hang and she didn’t respond. Then this past semester I told her to come down to school and she said yes I’ll take a trip down soon, but she never does. I text her every once in awhile inviting her to things or asking for updates or a check in. I’ve called her every couple of weeks and left a message but she doesn’t pick up. The last time I heard from her was about 2 months ago. She also hasn’t made any posts on social media during this time, and according to her other friend who goes to my school, she’s getting the same treatment.
A first I was angry at her, because I thought our friendship was more important to her than this. Then I was confused and hurt, and now I’m just straight up concerned.
I have no idea what’s going on in her life, if she’s even alive, or anything. Does she just not want me in her life anymore? Did I do something to upset her? I don’t know what to think. What should I do? I just miss my best friend.
submitted by Wooden_Line8462 to offmychest [link] [comments]

2023.06.03 02:02 Ok_Supermarket_7627 I Have a choreography idea for a show? Do you think it would work well?

So its for a the show I’m writing
Called The four seasons
The story is about a royal family, there’s four siblings that controls the power of the seasons
So the sibling Sabina (who controls spring) has a song called process where she try’s to not look back and life in the past
Because her old friend dimirti (who controls the droughts) turned on her
Because In the show she needs to learn to move on from mistakes she’s made
But she has a chip on her shoulder and refuses to
Which goes against her power of having starting new beginnings
So I want to stage the song as a big number
where she’s going throughout the kingdom using her powers to get ready for spring
She’s dancing and everyone around her is at high energy
But she’s singing a ballad
To show how she’s not looking forward while everything else is
And how she’s currently unattached to her role she wants to do well at
Kinda like the song she is singing is akin to part of your world but the choreography is akin to friend like me
submitted by Ok_Supermarket_7627 to Theatre [link] [comments]

2023.06.03 01:56 Dismal-Jellyfish ‘Shadow Banks’ Account for Half of the World’s Assets—and Pose Growing Risks: 'no one seems to have a firm handle on the risks that nonbank financial entities could pose if numerous trades and investments sour.'

‘Shadow Banks’ Account for Half of the World’s Assets—and Pose Growing Risks: 'no one seems to have a firm handle on the risks that nonbank financial entities could pose if numerous trades and investments sour.'
The sudden failure this year of three sizable American banks demonstrated one way in which the financial system can “break” as the Federal Reserve and other central banks press a campaign to normalize interest rates.
There could be others.
Risk-minded regulators, policy makers, and investors are eyeing the huge but nebulous world of largely unregulated nonbank financial intermediaries, known colloquially as shadow banks, as a potential locus of future problems. It includes sovereign-wealth funds, insurers, pension funds, hedge funds, financial-technology firms, financial clearing houses, mutual funds, and fast-growing entities such as money-market funds and private credit funds.
The nonbank financial system now controls $239 trillion, or almost half of the world’s financial assets, according to the Financial Stability Board. That’s up from 42% in 2008, and has doubled since the 2008-09 financial crisis. Postcrisis regulations helped shore up the nation’s biggest banks, but the restrictions that were imposed, coupled with years of ultralow interest rates, fueled the explosive growth of nonbank finance.
To be sure, these financial intermediaries play an important role in the economy, lending to many businesses too small or indebted to tap institutional markets. Moreover, while talk is rife on Wall Street about problems brewing in shadow banking, few have surfaced since the Fed began tightening monetary policy in the first quarter of 2022. To the contrary, disruptions caused by rising interest rates have been most evident so far in the regulated banking sector. And any turmoil in the nonbank arena could prove relatively benign, especially if the economy avoids a severe recession.
Yet, no one seems to have a firm handle on the risks that nonbank financial entities could pose if numerous trades and investments sour. Nor is there a detailed understanding of the connections among nonbank entities, or their links to the regulated banking system.
To date, this system hasn’t been tested, at this scale, for a wave of credit losses and defaults that could stem from higher rates and a weakening economy. History suggests caution: Shadow banking was at the epicenter of the financial crisis, as nontraditional financial institutions turned subprime mortgages into complex securities sold to banks and investors, often using high levels of leverage. As homeowners defaulted, these products lost value, and the damage cascaded through the financial system.
While nonbank finance looks a lot different today, as do the potential risks, it remains a source of concern. Some policy makers and bankers use the shadow-bank moniker to refer to that segment of the nonbank universe considered most likely to trigger the sorts of liquidity-draining events that sparked prior financial contagion. The Institute of International Finance ballparks such exposure at about 14% of nonbank financial assets. But the links remain cloudy between the riskier elements of shadow banking, a term that rankles many nonbank entities, and the more resilient world of market-based finance.
“The enormous size and high leverage levels of the nonbank financial-institutions sector, along with the more lax reporting and regulatory standards applied to this sector relative to banks make it a potential tinderbox,” says Eswar Prasad, an economics professor at Cornell University and a senior fellow at Brookings Institution, who formerly worked at the International Monetary Fund.
Worried economists and financial analysts have been urging regulators to gain a better understanding of nonbank financial intermediaries because they see telltale signs of potential trouble, including illiquid assets, increasing leverage, lack of transparency, and rapid growth.
The nonbank universe is “everyone’s obvious candidate” for more breaks, says Simon Johnson, a professor at the Massachusetts Institute of Technology and a former director of research at the IMF, who has spent much of his career working to prevent economic crises.
There are no direct parallels to the asset mismatches and bank runs that took down Silicon Valley Bank and First Republic Bank earlier this year. In part, that’s because the pension funds, insurers, and endowments of the nonbank world tend to hold assets for decades through funds that lock up their money for five to seven years. Also, big players such as private credit funds tend to use far less leverage than banks.
Still, there are indications that inflation and the sharp rise in rates may be causing strains in some parts of the nonbank system. High interest rates have sapped demand for new mortgages, for instance, hurting nonbank lenders. Liquidity in parts of the bond market, such as emerging market debt and high-yield, is at the lowest levels since the Covid pandemic. And cash flow at some companies financed by private credit is shrinking due to inflation, a slowing economy, and higher debt payments.
One thing is clear: What happens in one corner of this sprawling world doesn’t stay there. Consider the collapse of the hedge fund Archegos Capital Management in 2021. Its losses on concentrated bets on blue-chip stocks triggered a margin call that led to the sale of about $20 billion of assets. That left big banks exposed to the fund, including Nomura and UBS, with billions of dollars in losses.
“Risks came back to banks’ balance sheets from the back door,” says Fabio Massimo Natalucci, deputy director of monetary and capital markets development at the International Monetary Fund and co-author of its global financial-stability report.
Federal Reserve governor Michelle Bowman said in a speech this spring that losses related to riskier activities pushed out of the banking system could come back to haunt banks through activities such as the banks’ extension of credit to nonbank lenders. According to the Fed, bank lending to nonbank financial intermediaries totaled $2 trillion in commitments at the end of 2022, a level the Fed described as high.
While many nonbank entities are regulated in some way, no regulator has attempted to assess the overall financial stability of the nonbank world. The Financial Stability Oversight Council, or FSOC, is now seeking comments on designating some nonbank institutions as systemic and subjecting some to Federal Reserve supervision. That would reverse some of the changes made during the last administration.
A look at three types of nonbank financial intermediaries—private-credit providers, open-end bond funds, and nonbank mortgage lenders—offers a window into the prevailing concerns about shadow banking, and suggests how conditions could unravel in this sector in ways that roil the economy and the markets.

Private Credit

Rapid growth in the world of finance tends to draw attention, and few business segments have grown since the financial crisis as much as private credit. Private-credit providers typically lend directly to midsize, privately owned businesses that generate from $10 million to $1 billion of revenue and can’t get funding in the institutional market.
As banks retreated after the crisis and each minicrisis that followed, these financial intermediaries stepped in. Private-credit assets have mushroomed to nearly $1.5 trillion from $230 billion in 2008**,** putting the private-credit market in the league of the leveraged-loan and high-yield markets.
Drawn by high yields, attractive returns, and diversification opportunities, investors have poured money into private-credit funds. Insurers have doubled their allocation to these pools of largely illiquid assets over the past decade, while pension funds have more than doubled their allocation to alternative investments, including private credit, since 2006.
The Fed said in its financial stability report, published in May, that the risk to financial stability from private-credit funds appears limited. It noted that the funds don’t use much leverage, are held by institutional investors, and have long lockup periods, limiting the risk of runs. But the Fed also acknowledged that it had little visibility into loan portfolios, including the traits of borrowers, the nature of deal terms, and default risks.
Some observers are concerned about the connections between private lending and other nonbank activities, as well as lenders’ links to the banking sector. “Wall Street says they aren’t going to lend to subprime borrowers, but they lend to funds that lend to them,” says Ana Arsov, who oversees private-credit research at Moody’s.
There is no public view of banks’ total exposure to private credit, Arsov says. Given the scale of the business and limited visibility into the risks, analysts worry that any widespread deterioration of asset quality could ripple through other parts of the financial world before regulators could act.
Business development companies, some of which are publicly traded, offer some insight through disclosure documents into this $250 billion market. “Most managers that have both BDCs and institutional structures share deals across their platform, providing insight into the types of credits in their portfolios,” says Dwight Scott, global head of Blackstone Credit.
Moody’s sees increasing challenges for some BDCs over the next 12 to 18 months as the economy slows and companies grapple with higher borrowing costs, inflation, and market volatility. Although liquidity looks adequate for the next 12 months, loan maturities for portfolio companies will accelerate after that. If rates are still high and the economy is slumping, that could hamper the prospects for further borrowing. Similarly, lenders could become more conservative.
Blackstone Private Credit fund, or BCRED, the biggest private-credit fund, said late last year that it had hit its 5% quarterly investor-redemption limit. While Blackstone had no trouble meeting redemptions, and has reported that redemption requests fell in this year’s first quarter, Arsov worries about how smaller players would handle a similar situation. The industry’s efforts to court retail investors, she says, could increase the possibility that risks in private credit seep into broader financial markets, potentially by creating confidence issues.
What could trigger problems in the broader private-credit universe? One concern is a potential wave of struggling borrowers larger than the anticipated 5% to 6%. Arsov says expectations may be too rosy, based on the low default rate during the pandemic, when the Fed stepped in with trillions of dollars in stimulus. With the Fed now raising rates to curb inflation and trimming its balance sheet, such assistance is unlikely to be repeated.
Leverage metrics also have deteriorated, and covenant protections have weakened as the growth in private credit has increased competition for deals. Many have been concentrated in software, business services, and healthcare, in companies backed by private-equity funds. Given the benign interest-rate and economic backdrop of recent years, many private-equity investors were willing to pay higher multiples of enterprise value for companies with sustainable revenue, which allowed them to take on more leverage, says Richard Miller, head of private credit at TCW.
“Our markets stopped focusing on debt to Ebitda [earnings before interest, taxes, depreciation, and amortization], the longstanding gauge of risk, and looked at loan to value,” Miller says. “That was fine as long as enterprise values didn’t contract and the [interest] rate on that elevated debt didn’t go up. We have had a change in both.”
Now, some of these companies are generating less cash flow, which affects their ability to cover interest payments. While leverage isn’t as high as during the financial crisis, limiting potential systemic risk, Miller sees the risks today transferred to the individual borrower, and worries about the prospect of some borrowers running out of money.
A shift in the market might weed out weaker private-credit upstarts. But a potential combination of rising defaults, elevated interest rates, and flagging investor appetite for private credit could exacerbate a downturn, albeit in slow motion, given the nature of borrowing.
Not surprisingly, industry leaders are more upbeat. “People conflate default with losses,” says Blackstone’s Scott. But much of direct lending involves senior secured debt, he notes, which should minimize actual losses and enable lenders to help businesses through the challenges.
“Rather than increasing risk to the markets, private-credit asset managers are typically a stabilizing force, given the ability to invest patiently and opportunistically, and with little to no use of leverage, when banks and other traditional market participants either can’t or won’t,” says Michael Arougheti, chief executive of Ares Management, one of the largest alternative-asset managers.

Bond Funds

Unlike private-credit funds, which lock up investors’ money for a set period, most mutual funds allow investors to buy and sell whenever they want, offering daily liquidity. But that could turn problematic for bond funds under certain conditions, as some corporate bonds change hands only once a month—and less frequently in times of stress. If credit losses pile up or markets become stressed, some policy makers fear that bond funds could face demands to liquidate holdings at fire-sale prices, as investors scramble to sell funds with assets that have become illiquid.
Liquidity in bond markets dried up in the early days of the pandemic as investors scrambled for cash and some bond funds sold assets to meet redemptions. That set off a further frenzy as investors tried to unload assets before they became more illiquid. The selling pressure eventually forced the Fed to intervene and offer to buy corporate bonds for the first time ever to keep credit flowing. Hoping to minimize the damage from another fire sale, policy makers are looking to develop new rules, including on fund pricing.
The Investment Company Institute, which represents the mutual fund industry, has pushed back against this effort, arguing it is based on an incorrect view of the role that bond funds played in 2020. Citing its own research, the ICI says bond sales didn’t spark the Treasury market dysfunction that disrupted the flow of credit, but started only after markets began seizing up and, at that, represented a fraction of the selling.
The ICI notes that concerns about fire sales during periods of market stress aren’t unique to the mutual fund structure.
Bond funds have seen net inflows of $1.74 trillion since 2013. Global fixed-income funds, a subset of the sector, have crowded into some of the same corners of the market in the past two years. The IMF has raised alarms about that, citing fears of a stampede out of certain assets if a single fund runs into trouble.
Bid/ask spreads, a common gauge of a market’s liquidity, have widened in areas such as high-yield and emerging market debt to levels last seen in the spring of 2020, according to the IMF.
Mara Dobrescu, director of fixed-income strategies for Morningstar’s manager-research group, also sees increasing vulnerabilities, but notes that most funds are equipped to handle stresses and that not many bond funds have had to institute limits on redemptions.
Warning SignThe liquidity risk in high-yield bond funds increased in 2022 as bid-ask spreads widened.Portfolio-level bid-ask spread across fundsSource: International Monetary Fund

Nonbank Mortgage Lenders

The mortgage market has seen dramatic changes in the years since the global financial crisis. The business of originating and servicing loans has migrated steadily away from banks, with nonbank lenders accounting for more than two-thirds of all originations. Rocket Cos. ’ [ticker: RKT] Rocket Mortgage unit and UWM Holdings ’ [UWMC] United Wholesale Mortgage top the list of the biggest lenders.
Neither company responded to Barron’s requests for comment.
Housing finance is raising flags again, not so much for risky lending practices as in 2008, but because of the business models of these nonbank lenders, which don’t have to hold as much capital as banks. With people buying fewer houses, mortgage originations are down 60% in the past two years, raising concerns that potential losses will eat into these businesses’ slim capital cushion and raise leverage levels.
Nancy Wallace, a finance and real estate professor at the University of California, Berkeley Haas School of Business, has been warning for years about these nonbank lenders’ business model. She fears that a rise in defaults could lead to disruptions in the mortgage and housing markets.
One concern is the companies’ reliance on short-term funding through warehouse lines of credit from banks. Those presumably could be pulled during periods of market stress, or if the borrowers’ financial health were to deteriorate.
In this year’s first quarter, delinquency rates were only 3.6%, the lowest level for any first quarter since the Mortgage Bankers Association started tracking them in 1979. A sharp rise in delinquencies, however, could bring added pain, as the companies’ servicing businesses, which collect monthly payments from borrowers and funnel them to investors including banks, Fannie Mae, and Freddie Mac, would need to advance the money.
On its own, analysts don’t see the nonbank mortgage-lending industry triggering a financial crisis, although distress throughout the industry could diminish confidence in other nonbank lenders. In a worst-case scenario, credit could dry up for riskier borrowers, hitting home prices and sapping mortgage demand.
Peter Mills, senior vice president of residential policy for the Mortgage Bankers Association, has pushed back on recent regulatory efforts aimed at designating nonbank lenders as systemic, noting that the framework under consideration doesn’t include a cost/benefit analysis or an assessment of the probability that an entity could default.
Plus, he doesn’t see a financial-transmission risk from the industry, which is working on tools to mitigate strains in the event of delinquencies. “It’s less a financial earthquake and more of an operational challenge,” he says.
That may prove to be the case throughout the nonbank financial sector as interest rates normalize and the era of free money ends. Plenty of things might bend without breaking in this vast and opaque world. Just the same, it pays to be vigilant.


Shorter Version:
  • The nonbank financial intermediaries, or "shadow banks," controlling almost half of the world’s financial assets, are being watched closely as central banks work towards normalizing interest rates.
  • Though few problems have been noted since the Fed's monetary policy tightening in 2022, there are concerns about the risk these nonbank entities could pose if numerous investments fail, especially given the lack of understanding about their interconnections.
  • Rising interest rates and inflation may be causing strain in the nonbank system, with decreased demand for new mortgages and reduced liquidity in some bond markets.
  • The collapse of Archegos Capital Management in 2021 highlighted the risk of problems in one area of the nonbank system impacting others, prompting calls for regulators to improve understanding of nonbank financial intermediaries.
  • Despite private credit growth, concerns persist due to limited visibility into these funds' loan portfolios and connections between private lending and other nonbank activities, as well as links to the banking sector.
  • Bond funds, with their daily liquidity, could face challenges in times of stress when certain corporate bonds are infrequently traded, potentially leading to liquidation at reduced prices.
  • The shift from banks to nonbank lenders in the mortgage market, combined with the latter's reliance on short-term funding from banks, has raised concerns, especially in the event of a sharp rise in delinquencies.
Longer Version:
  • As the Federal Reserve and other central banks work towards normalizing interest rates, the largely unregulated nonbank financial intermediaries, also known as shadow banks, are being closely watched due to their potential to cause future financial issues.
    • These entities, which include everything from sovereign-wealth funds to financial-technology firms, currently control $239 trillion, almost half of the world’s financial assets, an increase from 42% in 2008.
  • These intermediaries serve a crucial role in the economy, lending to businesses that are too small or too indebted to tap into institutional markets.
    • Despite concerns, few issues have emerged in the shadow banking sector since the Fed began tightening monetary policy in 2022.
    • However, it's unclear what risks these nonbank entities could pose if numerous investments go sour, especially considering the lack of detailed understanding about their connections among themselves and to the regulated banking system.
  • The shadow banking system hasn't been tested on this scale against a potential wave of credit losses and defaults that could result from higher rates and a weakening economy.
    • The sector, with its size, high leverage levels, and lax reporting and regulatory standards, could potentially become a "tinderbox" according to some economists.
  • There are indications that rising interest rates and inflation may be causing some strain in the nonbank system.
    • High rates have reduced demand for new mortgages, affecting nonbank lenders. Also, liquidity in some bond markets is at the lowest levels since the COVID pandemic.
  • Still, there have been instances where problems in one part of the nonbank system have impacted others. The collapse of the hedge fund Archegos Capital Management in 2021, for example, resulted in significant losses for big banks exposed to the fund (and those continue as that bag is passed around...).
    • Given these risks, regulators are being urged to gain a better understanding of nonbank financial intermediaries.
  • Private credit has grown exponentially since the 2008 financial crisis, ballooning from $230 billion to almost $1.5 trillion.
    • This sector lends directly to midsize businesses that can't obtain funding in the institutional market.
    • Investors are attracted to private credit due to high yields, returns, and diversification opportunities.
  • The Federal Reserve stated in a recent report that risks to financial stability from private-credit funds seem limited because these funds don't use much leverage, have long lockup periods, and are held by institutional investors.
    • However, there's limited visibility into these funds' loan portfolios, including borrower characteristics, deal terms, and default risks.
  • Concerns arise from connections between private lending and other nonbank activities, as well as links to the banking sector.
    • The lack of public view into banks' total exposure to private credit is a cause for concern for some analysts who worry that asset quality deterioration could impact other parts of the financial world before regulators can intervene.
  • A potential wave of struggling borrowers larger than the anticipated 5-6% could trigger problems in the broader private credit universe.
    • Leverage metrics have also worsened, and covenant protections have weakened as competition for deals has grown.
      • The market's focus has shifted from debt to EBITDA (earnings before interest, taxes, depreciation, and amortization) to loan to value, which could lead to some borrowers running out of money.
  • There is concern that a potential combination of rising defaults, high interest rates, and waning investor appetite for private credit could exacerbate a downturn.
  • Most mutual funds offer daily liquidity, allowing investors to buy and sell whenever they wish.
    • However, this could be an issue for bond funds in certain conditions, as some corporate bonds are traded only once a month and even less often during stressful times.
    • If credit losses accumulate or markets become stressed, bond funds could face pressure to liquidate holdings at reduced prices as investors rush to sell funds with illiquid assets.
  • Bond funds have experienced net inflows of $1.74 trillion since 2013, with global fixed-income funds investing heavily in certain market areas in the last two years.
    • The IMF has expressed concerns about this, noting that if a single fund encounters issues, it could lead to a rush out of certain assets.
    • Liquidity risks in high-yield bond funds have increased in 2022, with bid-ask spreads, a measure of a market’s liquidity, widening.
  • Since the global financial crisis, the mortgage market has undergone significant changes, with nonbank lenders now accounting for over two-thirds of all originations.
    • While the shift away from banks isn't due to risky lending as in 2008, concerns have been raised about the business models of nonbank lenders.
    • These lenders don't need to hold as much capital as banks, and with a 60% decline in mortgage originations in the past two years due to decreased house purchases, potential losses could deplete their modest capital buffer and increase leverage levels.
  • One concern is the nonbank lenders' reliance on short-term funding via warehouse lines of credit from banks, which could be withdrawn during market stress or if the borrowers' financial condition worsens.
    • Although delinquency rates were just 3.6% in Q1 of this year, a sharp increase could cause issues, as these companies' servicing businesses would have to advance the money.
submitted by Dismal-Jellyfish to Superstonk [link] [comments]

2023.06.03 01:53 hatsnak Basic questions for first stereo setup

Howdy! I've got a few basic questions as I look into buying my first stereo setup. (Previously, my roommates have owned all the receivers and speakers, etc.)
If I would like to use the same speakers for TV/movies, games, and music, do I of necessity need to shop for an AVR? Or is there stereo-centric gear that I could hook my TV up to?
How would I go about trying to find a subwoofer that matches well with speakers I already have? I have a pair of small speakers that aren't a typical brand: Joey Roth's ceramic speakers. I like the sound on the high- to midrange, but they're really lacking on the low end. I'm not sure how to shop for a sub that would sound good with them. I'd buy the sub sold by Joey Roth, but I can't find it on sale without having to buy another set of speakers.
And generally, are there brands that make receivers/amps/preamps that are smaller and/or cooler-looking than the standard black/silver box stereo gear? I'm moving into a fairly small apartment and won't have a ton for room for big stereo components. And (inconveniently) I care a fair bit about the aesthetics of stuff in my space.
Boilerplate: Budget and location - Ideally, I'd like to spend $1000 or less for a receiveamp, sub, and speakers (if I end up buying new ones). I'm moving from Seattle, WA, USA area to Portland, OR, USA area. A really neat audio gear shop near me is Turntables & Trails.
How the gear will be used - I'd like to listen to vinyl records and CDs, as well as for watching TV/movies and playing games.
New or used - I sorta prefer to buy used in general, but I worry about getting ripped off for something as expensive and fragile as audio gear. I usually check craigslist, OfferUp, Mercari, eBay, and Goodwill, as well as local shops.
Past gear experience - My roommate has an Onkyo AVR with Onkyo 7.1 satellite speakers. The AVR is very big and runs hot, and it's a bit complicated to use, but I guess I'd buy another one. His speakers are only ok - they never wow me, and I rarely feel like I appreciate the surround sound.
I currently have Joey Roth Audio ceramic speakers, Harmon/Kardon Soundsticks II stereo desktop speakers+sub, and IKEA FREKVENS mono bluetooth speaker + sub. The Joey Roth speakers sound really clear and crisp in high and mids, but really do not impress in the lows. I actually like the Soundsticks a lot, they sound great to me, but they don't really work too well unless I'm sitting at the desk in the sweet spot. And the FREKVENS speaker is fine for a portable-ish bluetooth speaker, but it doesn't wow me.
submitted by hatsnak to StereoAdvice [link] [comments]

2023.06.03 01:53 kguncc Frame Drop/Lag 50% of the Time HELP PLEASE

So, I just want to see if anybody else is having a similar experience. My game ran perfectly until the most recent Season started.
Now, for simplicity sake without taking actual numbers. 50% of the time it runs perfectly 150+ fps on high/ultra settings, the other 50% my frames drop SIGNIFICANTLY(sub 10) and feels like i'm lagging which may just be the FPS dip as my ping stays at a constant 20-25.
There should be NO reason it is a hardware issue as I just built a new PC last spring. Specs Below:
CPU- Intel I7-12700k 3.61 GHz
Ram-32 GB
GPU- EVGA Geforce RTX 3080

At this point I've updated drivers, uninstalled/re-installed the game. I've changed a majority of the graphics settings i.e. setting things to low etc. Looked for any weird performance issues, including making sure any other programs were closed and the problem persists.

Has anybody else seen this? Have a potential solution?
submitted by kguncc to ModernWarfareII [link] [comments]

2023.06.03 01:48 FunnyCandidate8725 need some help finding more target and safety colleges as an aspiring biology transfer

i don’t have a great handle on what my chances are with universities because when i graduated hs (class of 2022) i didnt apply until the spring semester to the university of central florida and got rejected, even though its considered a safety if you graduate from a fl hs.
i’m now looking to transfer somewhere with a strong bio (NOT PREMED) program that isnt a gigantic school (ahem, ucf). i simply never looked when i was in high school and now i have no one to help really. any advice appreciated 🤝
stats, etc:
(community) college gpa: 3.5 (unsure of exact amount, likely to go up tho)
sat: 1070 (taken in hs)
honors: term honors —> two dean’s list and one president’s list
everybody’s lists are always so long and studious, but i never really thought too hard about showing out when it came to college.
really REALLY aiming for a college in new england somewhere (i’m originally from mass so i give extra love there) and NEED it to be in an LGBT friendly state. my problem is that everybody always has a university they dreamed of felt they belonged to before they even went—and i don’t have that LOL. i want a good education from a reputable place in a physically good location. that’s it rip.
major: biology minor: varies between uni’s, not as important
colleges on my list so far…
all the schools that are obviously in states that don’t fit my preferences/needs are becuase they’re closer, and if i can’t get out of here i’ll at least be at a good school LOL.
welcoming ANY uni suggests for a bio major that is NOT premed.
submitted by FunnyCandidate8725 to ApplyingToCollege [link] [comments]

2023.06.03 01:46 Due_Tailor_5011 my interpretation of jigsaw falling into place

I'd like to comment a bit on my favorite song, "Jigsaw Falling into Place," by the band Radiohead, from the album "In Rainbows" released on December 28, 2007, which can be classified as alternative or indie. In its first 17 seconds, we are presented with a simple but incredibly pleasant guitar arpeggio. This introduction evokes a growing sense of doubt in me; it feels as if the protagonist is exchanging glances with someone special, and it suggests that something is about to happen.
Suddenly, the drums enter abruptly, initiating a striking intensity. It's as if something impactful has just occurred. The song seems to convey a sense of urgency from start to finish, gradually building up. In this part of the song, my interpretation turns to the protagonist, who appears to have found someone equally intense. The line "Just as you take my hand" reveals a person with attitude, capable of arousing curiosity and the protagonist's interest.
Then comes the phrase "Just as you write my number down," which, in my interpretation, indicates a mutual connection and attraction between the two individuals. By writing down the phone number with the intention of communicating with the protagonist in the future, it suggests a shift from empty conversations that many people resort to as a predetermined script when getting to know someone, and it signifies a search for a deeper and more sincere connection.
The phrases "Just as your drinks arrive," "Just as they play your favorite song," and "As your blather disappears" catch my attention. It seems that the person interacting with the protagonist, after consuming some drinks and hearing their favorite song, manages to gather some courage due to the creation of an emotionally significant atmosphere, leaving aside the shallow small talk that many people engage in when getting to know someone, and starts seeking a deeper and more sincere connection.
"No longer wound up like a spring" may refer to a moment of release that can occur after feeling anxious, emotionally charged, or wound up like a spring. From what I understand from the lyrics, the person interacting with the protagonist in the song seems to be tense for unknown reasons. After the phrases "before you had too much" and "come back and focus again," it seems that this person consumed several drinks and is losing focus in the conversation due to being intoxicated. This is suggested by the following phrases: "The walls are bending shape," "They got a Cheshire cat grin," "all blurring into one," "This place's on a mission," "before the night owl," "before the animal noises," "closed circuit cameras," and "before you comatose."
Regarding the phrases "The walls are bending shape" and "All blurring into one," it's something that I think I don't even need to explain. It's evident that the person, due to alcohol consumption, may experience distorted vision. The mention of the Cheshire cat grin caught my attention because, from what I researched about this character, the Cheshire Cat describes that reality as a place ruled by madness, which ends up infecting its inhabitants. Even Alice, over time, forgets her lessons and starts reproducing the absurd behaviors of that country.
With this, I can interpret that they are in a place full of people like a party or concert, with a lot of excitement and shouting, hence it being a place ruled by "madness."
Regarding the phrase "This place's on a mission," it suggests an atmosphere of action and movement, indicating that something important or significant is happening or is about to happen in the mentioned place.
'Before the night owl' is very interesting. The night owl is known to be an animal associated with the night, silence, and vigilant observation. In this context, the phrase may suggest a moment before the arrival of darkness or before the silence of the night. It can represent a moment of anticipation, preparation, or expectation before something happens. And as I have been saying since the beginning of the text, the music always has a sense of urgency, preparing us for the occurrence of something intense.
'Before the animal noises', this phrase makes me think again that due to the consumed alcohol, this person confuses the sounds of the people around them, hearing them as if they were several noisy animals.
"Closed circuit cameras." It refers to a security system that uses video cameras to monitor a restricted space. In this context, the phrase may evoke a sense of surveillance, constant observation, and lack of privacy. It can suggest an atmosphere of control, monitoring, or manipulation. It probably has the possibility of leading to a dangerous situation for the protagonist and the person interacting with him.
And finally, 'before you comatose' can be initially interpreted as simply passing out, but I saw it as a metaphor for a situation in which someone is emotionally or mentally disconnected, losing the ability to perceive and interact with the world around them, still awake, but completely out of touch.
After the conclusion of this first part of the song, we are led into a brief vocal interlude where the intensity of the melody gradually builds. For some reason, I interpreted this interlude as a jump in time, where the characters in the song are already involved in a relationship, possibly romantic. However, the subsequent sequence of phrases suggests that a serious argument is taking place between them.
In the second part of the song, there is the introduction of sound elements that I can't identify if they are voices or synthesizers. They sing the same melody present in the first 30 seconds of the song, but in a higher pitch and with a slightly robotic touch. This addition of sound elements further intensifies the already tense atmosphere.
'Before you run away from me', 'before you're lost between the notes', 'the beat goes round and round' may indicate something that happened or was said that made one of the characters feel hurt, confused, or insecure to the point of considering distancing themselves from the other.
'Before you're lost between the notes' can be interpreted as a warning not to get lost in the midst of life's experiences, symbolically represented by musical notes. It is a reflection on the importance of staying conscious and present, avoiding getting distracted or lost amid all these experiences. This message can also be understood as a reference to the transformative power of music, capable of engaging us and transporting us into a state of deep immersion.
'the beat goes round and round' directly follows the previous phrase, showing that even if you get lost, carried away, or distracted by life's experiences, you will be left behind, and everything will continue as if nothing had happened. And the phrase is repeated once again, but as a shout to make it clear that the world won't stop because of you.
Here, the atmosphere keeps heating up and reaching the climax of the song, the following phrases are presented: 'I never really got there', 'I just pretend that I had.' To me, it directly relates to a sexual sense, as someone admitting they never reached a certain level of satisfaction or intimacy during an intimate encounter, and only pretended to have reached that point, using it to emotionally destabilize the person they are arguing with.
These statements can really be painful to receive, and it's evident that they have touched the protagonist of the song. The phrases "Words are blunt instruments" indicate how someone can say something without considering the consequences it may bring later. "Words are sawed off shotguns" compares words to a short-range firearm with destructive power, suggesting that words not only have the potential to cause severe harm but have actually caused it to the character in the song.
Following the line "come on and let it out," sung with a high pitch by Thom Yorke, it signals that the protagonist has something significant pent up inside and needs to express it, possibly because they have reached their limit. The phrases "before you run away from me" and "before you're lost between the notes" repeat once again.
"Just as you take the mic" could be seen as someone taking control of the situation or discussion, as the phrase itself suggests, "taking the microphone," and truly being heard. This could be the person who interacts with the protagonist from the beginning of the song.
"Just as you dance, dance, dance" may reflect the idea of fully embracing and enjoying the present moment. It suggests that just like dancing, one should surrender to the rhythm of the music.
At this point, there is a sonic explosion where the intensity of the instrumentation and vocal delivery merge to create a captivating atmosphere. It's as if all the emotions contained throughout the song reach their peak, engulfing us in a spiral of deep sensations and feelings. It's a moment of catharsis where words and sounds blend into a powerful expression of connection and authenticity. This is when the music truly reveals its grandeur and immerses us in its sonic narrative. We can appreciate all the instruments working together simultaneously with their remarkable and desperate intensity from 2:50 until the end of the song. To be honest, every time I listen to it, it gives me goosebumps. It's simply perfect.
As I mentioned in a conversation with my friend Haru, this moment presents two possibilities regarding the protagonist's impactful realization: either a betrayal or the realization of the situation they had accepted in the relationship, which likely ended. Due to the song's intense nature, it's as if the protagonist is experiencing a moment of frenzy in their mind.
The vocals return in the final stanza with the lines "Jigsaw Falling Into Place" (the song's title), "So there is nothing to explain."
"Jigsaw falling into place" represents the realization that, after some time following the breakup, you can see the pieces of the puzzle that were present in the relationship. It's like saying, "Ah, so that's why..." As I mentioned, everything is falling into place now. "So, there is nothing to explain" reminds me of a popular saying, "facts speak for themselves." It's futile to try to explain (lying) to someone who has already discovered the whole truth.
I found the phrases 'Regard each other as you pass', 'She looks back, you look back' very interesting because, just like in the beginning of the song, they gaze at each other and awaken mutual interest and curiosity. This repetition at the end of the song, although in a different atmosphere, may indicate a sense of regret. With the following phrases:
"She looks back", "you look back", "not just once", "not just twice", it is revealed that the character the protagonist interacts with is a woman. In this moment of mutual regret, her identity becomes evident, carrying a shared sense of remorse between the two individuals. They both repeatedly turn their gazes back, as if lamenting something that could have been different or wishing to relive those special moments.
"Wish away nightmare" is repeated twice and is interpreted as a desire for a nightmare to disappear, despite the previous statement of wanting to return to how things were before. There may still be fear associated with that nightmare or those tense moments in the relationship.
'You got a light you can feel it on your back', 'a light you can feel it on your back' can be interpreted as a metaphor for a feeling of pressure or responsibility weighing on someone's shoulders. The mentioned "light" may represent an emotional burden, a load that the person carries with them. They can feel the weight of that responsibility or obligation, as if a bright light shines upon them, highlighting their duties and commitments.
And for one last time, the phrase 'jigsaw falling into place' is used, suggesting that even after the climactic moment, the protagonist still has that puzzle in their mind, trying to figure out what was right in front of them all along.
The final moments of the song convey a sense of conclusion and ecstasy, where all the layers of the music come together powerfully and emotionally. It is a moment of release and satisfaction, where the listener can experience intense joy.
submitted by Due_Tailor_5011 to radiohead [link] [comments]

2023.06.03 01:40 Volumez Community reception and developer answer

Since the announcement of the devblog "Spring Update 2023" I observed the community reception on the dev branch, live servers and here on reddit.
There is already a comprehensive list of the most upvoted and discussed topics:
This list is already a very nice reflection of what the community would have liked and not liked to see in the upcoming patch.
While map changes could spice some things up and seem to be a necessary precursor for the naval update, the overwhelming focus of negative community reception is the general nerf of the BMS-Mineseeker (small gauge locomotive). In a different post ( Markfoot answered on why this change is coming.

The answer is: Anti griefing because pre alpha tests have shown that pull times decrease griefing.

Here is my problem with the change and the given explanation. As a veteran since war 96 who clocked in 2000+ hours by now I know this answer isn't true. The real reason for the nerf are shirtports. Shirtports are a fairly new invention first popping up around war 101/102. You take a structure at a safe location close to factories and submit shirts from crates into it. You pull the shirts from that structure, stack them to 100 per slot and all of a sudden a normal truck transports 1500 shirts instead of 150. This shirtport system is only viable with multiple BMS-Mineseekers pulling from one structure. But if you have lets say 4 you can fill a truck in 10 minutes.
The BMS-Mineseeker is used by both factions. Its not unique and it takes resources and effort to put them in place. It is a vehicle that leaves entries in the logs of buildings that have one and since recently you can see who used it last. While not intentional or the most elegant, it is still a solution to a problem the player base suffers from - the time intensive and boring process of pulling resources, materials, shells and more.
So whats a better solution Siegecamp? Extra tech for every building to have increased pull speed? A separate rank for every war that enables players who contribute more to pull faster? Why are you taking away without having something to replace? We had to fight for more anti-griefing and now you even expand on logs but still argue this is for the purpose of protecting the shared resources?
This kind of action is what creates or at least implies the rift between playerbase and development. I really hope you guys will have a change of heart because these "little" things for you are the "big" things for the community that make you lose the hardliners of this game.
Here is your simple solution: Just change the max stacks of shirts in vehicles to 10 or disable the ability of the BMS-Mineseeker to pull shirts at all and call it a day. No new building, tech, vehicle or development time to achieve a comparable solution.
On a personal note and while I have your attention... Disable the Stygian Bolt and Silverhand Tank Destroyer altogether for some wars and look how that works to revisit 94.5mm balancing.
o7 Cloud

tl;dr: Don't take away the BMS-Mineseeker and create a problem with reasoning that isn't plausible while not offering a solution.
submitted by Volumez to foxholegame [link] [comments]

2023.06.03 01:29 RandyCheeseburgers01 Old Orchard Beach: Kitschy or a decent beach?

Some background about me: I grew up surfing on the Jersey Shore, so my standards for beaches are higher than I had realized. I live in Boston these days after moving away from NJ over a year ago. I like riding trains. Amtrak's Downeaster stops at Old Orchard Beach over the summer and I was considering taking this train there. I think you're all caught up now.
Is Old Orchard Beach actually worth visiting? I'm seeing some mixed reviews online. I know the beaches to the south (in e.g., Kennebunkport, Wells, Ogunquit, York) are supposed to be nice, and I would like to check them out eventually as well, but I would definitely have to drive to those because the Wells train station is only so close to the coast, whereas the OOB station puts you right there.
As a New Jerseyan turned Masshole, please be gentle. My favorite beaches include Spring Lake, Avon-by-the-Sea and Sandy Hook in NJ; any of the ocean-facing beaches on the Cape and Good Harbor Beach in Mass. I know not to expect high surf up on a sandy beach up in Maine, so a good beach to me would be one that's not too rocky or with too dirty sand, clear water, food and drink options nearby a plus.
submitted by RandyCheeseburgers01 to Maine [link] [comments]

2023.06.03 01:27 next3days For those in Blacksburg: Weekend Event Rundown

For anyone in town for the summer who's looking for events to enjoy this weekend, here's 25 local events you can enjoy and participate in on Saturday & Sunday.
1. 2023 Pulaski County Spring Flea Market New River Valley Fairgrounds, Dublin Saturday, June 3, 2023 and Sunday, June 4, 2023, 7:00 AM - 5:00 PM Admission: $2.00, Kids 6 and Under: Free The Dublin Lions Club presents the 2023 Pulaski County Spring Flea Market celebrating 48 years. With over 20,000 visitors and 700 vendors spaces, more than a dozen different food vendors offering varied food options and the chance to eat a few of the famous "Lion Dogs", you will not want to miss this event. Check out vendors with crafts, antiques and more at the semi-annual Pulaski County Flea Market. Although over 100 spaces are under roof, it is a largely an outdoor event. The terrain is varied from asphalt, gravel and grass. Parking is free. All proceeds go to the Dublin Lions and their numerous community causes such as eyeglasses for the needy and hunger relief in the community. The event is rain or shine. Link:
2. Kunga Fest 2023: Two-Day Donations Yoga Festival In Balance Yoga Studio, Blacksburg Friday, June 2, 2023, 4:00 - 10:00 PM and Saturday, June 3, 2023, 8:30 AM - 5:00 PM Yoga classes and events are by donation. In Balance Yoga Studio presents their 10th Kunga Fest, a two-day Donations Yoga Festival with 100% of the donations donated to directly support the Homes of Hope Orphanage in India. Homes of Hope is a safe space for orphaned, abandoned, or trafficked young girls in India. In Balance Yoga is offering 15 donation-based classes throughout the two-day event. Hot yoga, ariel yoga, yoga classes with live music and gentle flow, are just some of the options offered. A silent auction will also be offered with bidding open until 6:00 PM on Saturday, June 3rd. Over 20 items are in the auction including a private ariel yoga session, a one-hour reiki session, an acupuncture session and more! Yoga classes and events are by donation though registration is required. Membership is not required to attend however new students will have to create an online profile in order to register. Link:
3. National Trails Day: Appalachian Trail Volunteer Trail Work Pearis Cemetary / Appalachian Trailhead Parking, Pearisburg Saturday, June 3, 2023, 9:00 AM - 4:00 PM Admission: Free The Outdoor Club at Virginia Tech is hosting Appalachian Trail Volunteer Trail Work for National Trails Day meeting at the Appalachian Trailhead Parking at Pearis Cemetary. The first Saturday of June each year is designated as National Trails Day, a day to celebrate our National Trails. There are a variety of volunteer opportunities available throughout the Trail. Essential trail maintenance helps protect natural resources and improves the hiking experience. Activities planned for the day include removing tress that have fallen across the Trail and are obstructing its path, cleaning out water bars and other trail tread structures of debris so that they can effectively divert water from the Trail and continue to help reduce erosion, as well as trimming back woody bushes that might be encroaching on the sides of the Trail. This work will be taking place on Hemlock Ridge, the stretch of Trail between the Celenese plant and Clendennin Road. There will be a shuttle planned to allow for a 3-mile hike through, performing work along the way. No previous experience required and all ages are welcome. The club will provide tools, training, and personal protective equipment. While it is free to volunteer, registration is required to ensure enough supplies will be available. Link:
4. American Red Cross Blood Drive with Brunch Meadowbrook Public Library, Shawsville Saturday, June 3, 2023, 9:00 AM - 2:00 PM Admission: Free Meadowbrook Public Library and the Meadowbrook Center hosts an American Red Cross Blood Drive. Help save a life by donating blood. Brunch will be provided for donors and they may select a used book to take home. Books compliments of Friends of the Library-Meadowbrook Chapter. The blood drive is sponsored by Craighill Masonic Lodge and Meadowbrook Library. Link:
5. CIMA Open House Christiansburg Institute Museum and Archives, Christiansburg Saturday, June 3, 2023, 10:00 AM - 2:00 PM Admission: Free Christiansburg Institute Museum & Archives staff will lead museum guests on a behind the scenes tour of our archives and explain the digitization process. Explore the history of Christiansburg Institute and African American history in Southwest Virginia. No registration is required. Link:
6. Survival Skills Workshop Series: Part 2: Edible and Medicinal Plants Pulaski County Library, Pulaski Saturday, June 3, 2023, 11:00 AM - 12:00 PM Admission: Free The Pulaski County Library continues their Survival Skills Workshop Series with "Part 2: Edible and Medicinal Plants". Learn about edible and medicinal plants and enjoy some pine needle tea. Join them to learn important survival skills from a Claytor Lake ranger. This is the second part of a four-part course that will help you to brush up our survivalist knowledge and skills. All are welcome but these will be gauged for adults. Link:
7. 2023 Gospel Sing St. Luke and Odd Fellows Hall, Blacksburg Saturday, June 3, 2023, 12:00 - 4:00 PM Admission: Free Blacksburg Museum and Cultural Foundation presents the annual Gospel Sing. The afternoon will be filled with singing, dancing, and fellowship as six local groups including Simple Gifts, Indian Run, Glorylanders and soloists perform their favorite current and old-time gospel favorites. Food and beverage will be available for purchase. Link:
8. Historic Smithfield's June Crafters' Stitch Along Historic Smithfield, Blacksburg Saturday, June 3, 2023, 12:00 - 3:00 PM Admission: Free Historic Smithfield presents June's Crafters' Stitch Along. You don't have to stitch to participate. Bring whatever craft you would like to work on and feel free to bring your paints, pencils, hooks, yarn, needles or fabric. This event is free to attend though pre-registration is appreciated. Link:
9. Music at the Villa with Craig Vaughn Villa Appalaccia Winery, Floyd Saturday, June 3, 2023, 1:00 - 4:00 PM Admission: Free Relax and enjoy some great music along with great wine and food. Craig Vaughn is a musician that combines extraordinary musicianship with heavy-duty fun. His high energy blend of rock, blues, pop and acoustic music equals unforgettable moments for audiences. He seamlessly goes from playing Bob Marley to The Eagles to Johnny Cash to Tom Petty to Ed Sheering to Journey to Newgrass to The Steve Miller Band without missing a lick. Kids and well-behaved dogs welcome. Link:
10. Genealogy Saturdays Alexander Black House & Cultural Center, Blacksburg Saturday, June 3, 2023, 1:00 - 4:00 PM Admission: Free Ancestry experts will be on hand to assist you as you explore your family tree. Come with questions about research and discovering your roots. Join them on the first Saturday of every month for Genealogy Saturdays. Link:
11. Puzzle Swap Christiansburg Library, Christiansburg Saturday, June 3, 2023, 1:00 - 3:00 PM Admission: Free Bring your puzzles to swap for new-to-you puzzles. Please make sure that all pieces are there. Link:
12. June 2023 Cruiser Night Scoops Arcade, Pembroke Saturday, June 3, 2023, 5:00 - 8:00 PM Admission: Free Scoops Arcade continues their Cruiser Nights on Snidow Street in downtown Pembroke, VA. Show off your classic, modified, or new cars, trucks and bikes. Ride in style down the street and/or park and enjoy the atmosphere and oldies music. All vehicles and spectators are welcome. Hotdogs, corndogs, pizza, nachos, drinks and Scoops old fashion hand dipped ice cream and shakes will be available inside Scoops. Link:
13. Bobby and Blake Parker in Concert Rising Silo Farm Brewery, Blacksburg Saturday, June 3, 2023, 6:00 - 9:00 PM Admission: Free Rising Silo Farm Brewery presents Bobby and Blake Parker playing cozy folk music, blues and ragtime on 6- and 12-string guitar and more. Link:
14. Chico and Willie in Concert Outerspace, Floyd Saturday, June 3, 2023, 6:00 - 9:00 PM Admission: Free Chico & Willie perform Americana music to make you smile outside at Outerspace. Link:
15. John McEuen & The Circle Band in Concert Floyd Country Store, Floyd Saturday, June 3, 2023, 7:00 - 10:00 PM General Admission: $38.00, Reserved Seating: $45.00 John McEuen has performed for 50 years worldwide with his banjo, fiddle, guitar, and mandolin. Often referred to as ‘the String Wizard’, he humorously weaves stories of his travels and family life (he has raised 7 kids), taking us on a multi-media show through where his musical path has taken him. A founding member of the Nitty Gritty Dirt Band in 1966, John realized his teenage dream: to record with Earl Scruggs and Doc Watson. When he initiated the 1972 classic "Will the Circle Be Unbroken" album with his band the Nitty Gritty Dirt Band, Earl and Doc with Roy Acuff, Mother Maybelle Carter, Jimmy Martin, Merel Travis, Vassar Clements, Norman Blake gathered for an historic week in the studio. The album has been inducted in to the Library of Congress as "one of America’s most important recordings" and the Grammy Hall of Fame. John has continually performed since 1963, doing over 11,000 concerts, 300 television shows, 10,000 interviews and flown more than 4 million miles. McEuen’s rich history of creating, producing and preserving original and traditional folk music earned him the 2013 Charlie Poole Lifetime Achievement Award. He has made over 46 albums (7 solo) that have earned four platinum and five gold records, multiple Grammy Awards and nominations, CMA and ACM awards, an Emmy film score nomination, IBMA record of the year award, and performed on another 25 albums as guest artist. Link:
16. The CC Coates Band in Concert Dogtown Roadhouse, Floyd Saturday, June 3, 2023, 8:00 - 11:00 PM Admission: $8.00 The CC Coates Band performs blues, soul and rock n roll. Sung by the real deal and backed by a hell of a band. Link:
17. 2023 Check Farm Trail Downtown Check, Check Sunday, June 4, 2023, 10:00 AM - 6:00 PM Admission: Free Floyd Country Tourism presents the 2nd Annual Check Farm Trail at seven participating farms and businesses throughout Check, Virginia including Lil Valley Farm, Weathertop Farm, Grateful Produce, I-Tal Acres, Seven Spring's Farm and The Soup Shop. This family-friendly experience is an up-close chance to learn about agriculture through demonstrations, tastings and farm tours and more. Food and/or products will be available for purchase at most of the farms and businesses. Times and available hours vary by farm and tour stop. Link:
18. 2023 Rotary Club of Floyd Dog Show Warren G. Lineberry Memorial Park, Floyd Sunday, June 4, 2023, 12:15 - 3:00 PM Dogs: $5.00 entry per class, Spectators: Free though donations encouraged The Rotary Club of Floyd County presents their 4th Annual Rotary Dog Show. Bring your dog, puppy, and/or faithful canine friend to compete in one or more of the dog show classes and ribbons will be awarded for each class. Classes for Dog Show include Best Tail, Best Treat Catcher, Best Smile, Best Owner-Dog Look-a-Like Contest, Best Trick, Cutest Puppy Under One Year Old, Best Bark, Best Mixed Breed Dog, Best Purebred Dog, Best Child Handler Under 12 Years Old and more. All dogs must should be on a short leash and up to date on vaccinations. The Humane Society will also have a table and possibly dogs to adopt. Adults and children ages 9 and older are welcome to participate with their dog in the various classes. Proceeds will be used to help build a dog park in Floyd. Link:
19. Music Jam and Car Cruise-In Wildwood Farms General Store, Floyd Sunday, June 4, 2023, 1:00 - 4:00 PM Admission: Free Enjoy a cruise-in with a variety of classic cars, motorcycles and other vehicles from 1:00-4:00 PM. All are welcome to bring their vehicles. And, bring your instruments and join in the music jam from 2:00-4:00 PM. Admission is free and all are welcome including non-musicians. The event is weather permitting. Link:
20. Clay Blevins in Concert Buffalo Mountain Brewery, Floyd Sunday, June 4, 2023, 1:00 - 4:00 PM Admission: Free Clay Blevins performs a signature mix of old and new country, pop and singer songwriter tunes. Link:
21. Book Club Meeting: Corkscrew Blacksburg Wine Lab, Blacksburg Sunday, June 4, 2023, 1:00 - 3:00 PM Admission: $40.00 Blacksburg Wine Lab presents their June Book Club Meeting featuring the book "Corkscrew" by Peter Stafford-Bow. Josh from Well Crafted Wine has picked this book specifically for the book club and will be hosting the event. The book includes a whole chapter on South Africa and Josh is inspired to share a tasting of his favorite bottles with participants from this region, along with a selection of crafted bites from Chef Bryan. The ticket price includes the wine tasting, book discussion and crafted bites to accompany the wine. RSVP is required. Link:
22. Matt Mullins in Concert Rock House Marina, Pulaski Sunday, June 4, 2023, 3:00 - 5:00 PM Admission: Free Matt Mullins performs multiple genres of music and now resides from Beckley, West Virginia after a stay in Southwest Virginia. A loud and sometimes profanity filled personality, you can't help but love to hate his shake, rattle, and roll nonsense. By spending the better part of the last decade creating songs with some of his favorite artists, (in particular The Boatmen) it has helped shape this songwriters methodology. Relating to back porch memories, and moving listeners to undoubtedly feel that he's got music in his bones. Link:
23. Sunday Mountain Music Series with Kris Hale Mountain Lake Lodge, Pembroke Sunday, June 4, 2023, 4:00 - 6:00 PM Admission: Free Kristopher Hale is a native of Roanoke, Virginia. Currently a Adjunct Professor of Music at both Radford University and Lynchburg College in Virginia, he also teaches guitar and music theory privately throughout the New River Valley and Roanoke areas. He is a sought after performer, appearing in public and private events throughout Virginia playing classical music to The Beatles. Stop by Salt Pond Pub every Sunday starting Memorial Day weekend through Sunday, August 20th for live music and delicious food and drinks. Perfect for relaxing with the whole family (furry friends welcome too). Link:
24. Open Mic Night (Family Friendly and 18+ Segments) The Beast of Blacksburg Pizzeria & Bar, Blacksburg Sunday, June 4, 2023, 4:00 PM - 01:00 AM Admission: Free The Beast of Blacksburg Pizzeria & Bar kicks off their Open Mic Nights with two segments offering a full evening of local talent. From 4:00-8:00 PM, family friendly material will be performed and then from 9:00 PM - 1:00 AM, the open mic is open to adult material for ages 18 and up. Note: Any group acts of more than two performers should message them on Facebook to make the necessary arrangements. Link:
25. Mist on the Mountain in Concert Palisades Restaurant, Eggleston Sunday, June 4, 2023, 5:00 - 7:30 PM Admission: Free Mist on the Mountain is an Irish Traditional Music group based in the New River Valley of southwest Virginia. From lively jigs and reels to heartbreaking laments and rollicking ballads, Mist on the Mountain provides great Irish music for any occasion. Reservations are not required, but recommended for dining area seating. Link:
Have a great weekend and thanks for reading!
submitted by next3days to VirginiaTech [link] [comments]

2023.06.03 01:19 localfyi Local Events in The Triangle this Weekend!

Durham Craft Market - Saturday 08:00 AM @ Durham Central Park - Durham
The Raleigh Market - For the thrill of the hunt! - Saturday 09:00 AM @ N. C. State Fairgrounds - Raleigh
Shop & Play Saturday at Phillips Farms of Cary: Kids' Summer Kick-Off with NC Eat & Play - Saturday 09:00 AM @ Phillips Farms of Cary - Cary
FREE HIIT class @ Crabtree Valley Mall w/ Princess from Fit Factory! - Saturday 09:00 AM @ Fabletics Crabtree Valley Mall - Raleigh
West Point Park Tours (4 start times) - Saturday 10:00 AM @ West Point on the Eno - Durham
Spring Kiln Opening at Mark Hewitt Pottery - Saturday 10:00 AM @ Hewitt Pottery - Pittsboro
Saturday Slowdown at RambleRill Farm in Hillsborough: shop at farmers' market, meet goats, have a picnic - Saturday 10:00 AM @ RambleRill Farm - Hillsborough
Summer Sol - Vinyasa Flow w/ Live Sound Journey & Zero Proof Cocktails - Saturday 10:00 AM @ Raleigh Rose Garden - Raleigh
1st Annual International Children's Day at the City of Raleigh Museum - Saturday 10:00 AM @ City of Raleigh Museum - Raleigh
Ever After: Fairytales, Food & Flowers - Saturday 10:00 AM @ Fred Fletcher Park - Raleigh
"Cultural Infusions": An Art Collective Art Exhibition - Saturday 10:00 AM @ Triangle Cultural Art Gallery - Raleigh
Open Farm Visit to Sunrise Community Farm - Saturday 10:00 AM @ Sunrise Community Farm Center - Chapel Hill
The Original Downtown Raleigh Murals and Public Art Tour - Saturday 10:30 AM @ 300 S Salisbury St - Raleigh
Yoga at Hi-Wire Brewing - Saturday 11:00 AM @ Hi-Wire Brewing at Golden Belt - Durham
Historic Raleigh Trolley Tours (1-hour long; 4 start times) - Saturday 11:00 AM @ Mordecai Historic Park - Raleigh
Wilson Pride Market - Saturday 11:00 AM @ Fayetteville Street - Raleigh
Flight Day at Dix Park - Saturday 11:00 AM @ Dorothea Dix Park, Big Field - Raleigh
The Market at NCMA - Saturday 11:00 AM @ North Carolina Museum of Art - Raleigh
Flight Day at Dorothea Dix Park - Saturday 11:00 AM@ Dorothea Dix Park — Big Field - Raleigh
FlushFest -- West Hillsborough's Homemade Music and Film Festival (admission by donation) - Saturday 12:00 PM @ 711 Eno Street, West Hillsborough - Hillsborough
flART Market - Saturday 12:00 PM @ ArtPost - Durham
Record Show - Saturday 12:00 PM @ Durty Bull Brewing Company - Durham
Art-n-Soul Market - Saturday 12:00 PM@ Waverly Place - Cary
Art-n-Soul Market @ Mystic Farm & Distillery - Saturday 12:00 PM @ Mystic Farm & Distillery - Durham
Rescheduled: Bond Brothers' Mid-Town Square Spring Festival - Saturday 12:00 PM @ Bond Brothers Beer Company - Cary
Raleigh's International Food Festival - Saturday 12:00 PM @ City Plaza - Raleigh
53rd Annual Bimbé Cultural Arts Festival - Saturday 1:00 PM @ Rock Quarry Park - Durham
Doughnuts with Dads at Book Harvest - Saturday 1:00 PM @ Durham Bulls Athletic Park - Durham
Live music - Saturday 2:00 PM @ Gizmo Brew Works - Raleigh
Away Home - Workshop Offering (part of NC State's TheatreFEST) - Saturday 2:00 PM @ Thompson Hall (NC State) - Raleigh
The Carrboro Really Really Free Market - Saturday 2:00 PM @ Carrboro Town Commons - Carrboro
Live music: The Stagger Brothers - Saturday 2:00 PM@ Carolina Brewery - Pittsboro
The ComedyWorx Show Matinee - Saturday 3:00 PM @ ComedyWorx - Raleigh
19th Annual Beaver Queen Pageant - Saturday 3:00 PM @ Duke Park - Durham
Saturdays in Saxapahaw Outdoor Concert Series - Saturday 3:00 PM @ Saxapahaw Post Office - Saxapahaw
Jazz + Art Market - Saturday 3:00 PM@ Artmosphere Community Arts Center - Clayton
Summertime Beer Fest - Saturday 3:00 PM @ Clouds Brewing Tap Room - Raleigh
Live music - Saturday 6:00 PM @ Gizmo Brew Works - Raleigh
The ComedyWorx Show - Saturday 6:00 PM@ ComedyWorx - Raleigh
Music at Mill Bridge - Saturday 6:00 PM @ Mill Bridge Nature Park Amphitheatre - Wake Forest
Music on Main - Saturday 6:00 PM @ The Streets at Southpoint - Durham
Live music: Maverick Rose - Saturday 6:30 PM @ Southern Peak Brewery - Apex
1st Annual Bad Prom For A Good Cause - Saturday 7:00 PM @ Tobacco Road Sports Cafe & Brewery - Raleigh
Metropolitan Community Church - Saturday 7:00 PM @ St. John’s Metropolitan Community Church -
Live music: LowderStill - Saturday 7:00 PM @ Nickelpoint Brewing Co. - Raleigh
Pride Dance Party at Gizmo Brew Works - Saturday 7:00 PM @ Gizmo Brew Works - Chapel Hill
Live Music - Saturday 7:00 @ 20 West Franklin Street Plaza - Chapel Hill
Live music: Thomas Hinds - Saturday 7:30 PM @ Oaklyn Springs Brewery - Fuquay-Varina
Glitter Hour: Amateur Drag and Queer Stage Show - Saturday 8:00 PM @ Ruby Deluxe - Raleigh
Summer F.L.I.N.G. Game Night - Saturday 8:00 PM @ 93 Rock Quarry Rd - Raleigh
Afrobeats, HipHop, Dancehall - Saturday Nights (1st Saturday of Each Month) - Saturday 10:00 PM @ Nafkot Lounge - Raleigh
Social Club: Saturday Night Social - Saturday 10:00 PM @ Social Club - Raleigh

The Raleigh Market - Sunday 09:00 AM @ Raleigh Market (at N.C. State Fairgrounds) - Raleigh
Free Pop-Up Yoga in Wake Forest with SoulFULLY YOURS - Sunday 09:30 AM @ Horseshoe Farm Nature Preserve - Wake Forest
A Place at the Table's "pay what you can" food truck rodeo - Sunday 11:00 AM @ A Place at the Table - Raleigh
Board Game Sundays - Sunday 12:00 PM @ Gizmo Brew Works - Durham
Spring Kiln Opening at Mark Hewitt Pottery - Sunday 12:00 PM @ Hewitt Pottery - Pittsboro
Black Farmers' Market - Sunday 1:00 PM @ Southeast Raleigh YMCA - Raleigh
Community Build Day for Durham Art Parade: Art on a Stick - Sunday 1:00 PM @ The Scrap Exchange - Durham
Youth Aviation Academy Program at John Chavis Memorial Park - Sunday 1:00 PM @ John Chavis Memorial Park - Raleigh
Historic Raleigh Trolley Pride Ride (3 start times) - Sunday 1:00 PM @ Mordecai Historic Park - Raleigh
Durham Really Really Free Market - Sunday 2:00 PM @ Lyon Park - Durham
Open Mic Hosted by Michael Brennan - Sunday 2:00 PM @ BMC Brewing - Pittsboro
Durham City of Medicine Walking Tour (pay what you want) - Sunday 2:00 PM @ Raleigh Convention Center - Raleigh
Live music: Gypsy Railroad Band - Sunday 2:00 @ Nickelpoint Brewing Co. - Raleigh
Historic Houses on the Move - Sunday 2:00 @ Bombshell Beer Company - Holly Springs
Beer, Bacon, and Bluegrass - Sunday 3:00 PM @ Oaklyn Springs Brewery - Fuquay-Varina
Open-Mic Night - Sunday 3:00 PM @ Gizmo Brew Works - Raleigh
"Pay What You Can" for tickets to Corpus Christi by Terrence McNally, presented by St. John's Six Sundays in Spring concert: Sensory Expressions - Sunday 3:30 @ E. Carroll Joyner Park - Wake Forest
Indoor Yoga at the Chapel at Dix Park - Sunday 3:30 @ Dorothea Dix Park - Raleigh
Freeman Round House Summer Event Series: Karaoke with Mia Harris - Sunday 6:00 PM @ Vollis Simpson Whirligig Park - Wilson
Sunday Salsa Social -- lesson and dance - Sunday 6:30 PM @ Triangle Dance Studios - Durham
Sunday Night Live Music - Sunday 7:00 PM @ Southern Village - Chapel Hill

Want us to send you all the fun happenings in the Triangle directly to you? Join the LocalFYI newsletter (by clicking here) to get the inside scoop sent to your inbox every Monday. Although it says just Raleigh, we send events that cover the whole Triangle there :)
Any other cool events that we missed? Comment below so we can add them to our list!
submitted by localfyi to triangle [link] [comments]

2023.06.03 00:44 MickeyMoose555 New plugin suggestion: EQDex! (Long)

I'm just gonna copy this from my post in the image line forums in case some things don't make sense in context
So I have had this idea for a while but I've been wanting it a lot more recently as I have thought of more features it could have. I noticed that if Vocodex's lower half were an EQ, it could have a lot of functionality that could compare to some leading effect plugins. This plugin could be a freeform equalizer, a de esser, a Trackspacer alternative, a Soothe2 alternative, a Gullfoss alternative, a spectral gate, and probably a lot more things that I can't think of. I'll explain how it can do those things in a bit. If I can figure out how to embed images, I will start using images of existing plugins to give visual aid to what I am saying. For now, verbal explanation will have to do.
I started looking at Vocodex as an eq when I was first looking to buy Pitchmap and wanted to get similar functionality within FL Studio. Setting Vocodex's band count to 96 will distribute bands evenly across semitones, and by manually drawing out the pentatonic scale you can add the colour bass tonality to the input sound. You can then select all of the points and reposition them depending on the scale of the song. The only issue with this is that the sound you feed in is still self-vocoded which is typically unwanted. If you set the modulator to a very fast sine sweep and turn only the hold to 100% with the others at 0%, you can essentially freeze the vocoder's bands and treat Vocodex as a freeform eq. However, it will still have the watery sound by the nature of Vocodex. With different methods, I found that Vocodex could also replicate the features of a freehand equalizer, Trackspacer, or Soothe if only it acted like a proper equalizer rather than a mistreated vocoder.
What if instead, there was a separate plugin that turned the lower half of Vocodex into an actual eq? It would have an interface similar to Vocodex and similar settings you could adjust. Band Gain Multiplier which would let you draw the equalizer shape, Band Distribution would let you adjust the placement of the bands, and Band Gain Offset could affect the level of each band linearly. Band Width could also be implemented, though its uses would be relatively limited. You could also have a variable number of bands like Vocodex so you could adjust the detail of the equalizer. With fewer bands, band distribution could be difficult to fine-tune, so specific frequency ranges would be impossible to pinpoint. For this reason, you could also adjust band width/distribution by dragging the edge of the band where you want it. The interface could also have an FFT analyzer so you can tell visually what part of the spectrum you are affecting.
The plugin I have in mind is essentially EQUO with many more features, and I was imagining it could potentially replace EQUO and adopt its notable features, like analyzing input audio and drawing a curve based on the input frequency content, the invertible mix knob which flips the eq curve when brought below 0%, and saving different banks to morph between (similar to Multiband Delay). I believe EQUO could have a lot more potential and usefulness with these new features.
Each band of the equalizer would also be a compressor, based on the input signal or a sidechain input. This would allow it to become a resonance suppressor like Soothe2 when the compressors are affected by the main input, or a multiband sidechain like the current Patcher preset or Trackspacer when the compressors react to a sidechain input. The threshold and attack/release of each band's compressor would be controlled like the band gain multiplier in Vocodex is currently controlled. With three bands aligned properly, the plugin could become a de esser, which is why dragging the edge of a band to adjust its range would be useful. Lowering the band gain offset across the entire spectrum could turn the plugin into a "spectral" noise gate. The plugin could also have a delta mode that would let you hear what the plugin is removing. This feature could be used to hear only the resonances of the signal, or it could turn the plugin right back into a vocoder when analyzing what a sidechain input is removing.
The band distribution could be adjusted to target any part of the frequency spectrum, for example targeting only the high end of the signal for finer precision in resonance suppression. There could also be a setting that will automatically level the frequency spectrum similar to Gullfoss. It could even be used to create impulse responses that match the frequency curve of an input signal if you wanted to recreate the eq curve of a room. There could be different settings to allow for linear phase processing if the bands are too thin and begin to ring. If you wanted more quality than the 100 bands allow, you can chain the plugin in Patcher and distribute the bands of each such that they are continuous, and doing this multiple times could give you a 300 or 400 band eq that you can then use for finer resonance suppression, eq matching, etc. Each band could also have a peak controller for Patcher wizards to use, but that is not an entirely necessary feature and may be overkill with a 100 band equalizer.
I would love to see this plugin in FL Studio, and I'm sure people could find even more uses for it than I specified. I’m curious to hear what people think of this idea!
submitted by MickeyMoose555 to FL_Studio [link] [comments]

2023.06.03 00:39 JoshAsdvgi The Hunting of the Great Bear

The Hunting of the Great Bear

The Hunting of the Great Bear

This story has been floating around the Internet identified as a "Cree" or "Cherokee" legend. It's possible the Cree or Cherokee may have a similar legend, but this particular story is definitely an Iroquois legend, as one can tell from the name Nyah-gwaheh, which means "Great Bear" in Cayuga.

There were four hunters who were brothers.
No hunters were as good as they at following a trail.
They never gave up once they began tracking their quarry.
One day, in the moon when the cold nights return, an urgent message came to the village of the four hunters.
A great bear, one so large and powerful that many thought it must be some kind of monster, had appeared.
The people of the village whose hunting grounds the monster had invaded were afraid.
The children no longer went out to play in the woods.
The long houses of the village were guarded each night by men with weapons who stood by the entrances.
Each morning, when the people went outside, they found the huge tracks of the bear in the midst of their village.
They knew that soon it would become even more bold.
Picking up their spears and calling to their small dog, the four hunters set forth for that village, which was not far away.
As they came closer they noticed how quiet the woods were.
There were no signs of rabbits or deer and even the birds were silent.
On a great pine tree they found the scars where the great bear had reared up on hind legs and made deep scratches to mark its territory.
The tallest of the brothers tried to touch the highest of the scratch marks with the tip of his spear.
"It is as the people feared," the first brother said.
"This one we are to hunt is Nyah-gwaheh, a monster bear."
"But what about the magic that the Nyah-gwaheh has?" said the second brother.
The first brother shook his head.
"That magic will do it no good if we find its track."
"That's so," said the third brother.
"I have always heard that from the old people.
Those creatures can only chase a hunter who has not yet found its trail.
When you find the track of the Nyah-gwaheh and begin to chase it, then it must run from you."
"Brothers," said the fourth hunter who was the fattest and laziest, "did we bring along enough food to eat?
It may take a long time to catch this big bear. I'm feeling hungry."
Before long, the four hunters and their small dog reached the village.
It was a sad sight to see.
There was no fire burning in the centre of the village and the doors of all the long houses were closed.
Grim men stood on guard with clubs and spears and there was no game hung from the racks or skins stretched for tanning.
The people looked hungry.
The elder sachem of the village came out and the tallest of the four hunters spoke to him.
"Uncle," the hunter said, "we have come to help you get rid of the monster."
Then the fattest and laziest of the four brothers spoke.
"Uncle," he said, "is there some food we can eat?
Can we find a place to rest before we start chasing this big bear.
I'm tired."
The first hunter shook his head and smiled.
"My brother is only joking, Uncle." he said.
" We are going now to pick up the monster bear's trail."
"I am not sure you can do that, Nephews," the elder sachem said.
"Though we find tracks closer and closer to the doors of our lodges each morning, whenever we try to follow those tracks they disappear."
The second hunter knelt down and patted the head of their small dog.
"Uncle," he said, that is because they do not have a dog such as ours.
" He pointed to the two black circles above the eyes of the small dog.
"Four-Eyes can see any tracks, even those many days old."
"May Creator's protection be with you," said the elder sachem.
"Do not worry. Uncle," said the third hunter.
"Once we are on a trail we never stop following until we've finished our hunt."
"That's why I think we should have something to eat first," said the fourth hunter, but his brothers did not listen.
They nodded to the elder sachem and began to leave.
Sighing, the fattest and laziest of the brothers lifted up his long spear and trudged after them.
They walked, following their little dog.
It kept lifting up its head, as if to look around with its four eyes.
The trail was not easy to find.
"Brothers," the fattest and laziest hunter complained, "don't you think we should rest.
We've been walking a long time."
But his brothers paid no attention to him.
Though they could see no tracks, they could feel the presence of the Nyah-gwaheh.
They knew that if they did not soon find its trail, it would make its way behind them.
Then they would be the hunted ones.
The fattest and laziest brother took out his pemmican pouch.
At least he could eat while they walked along.
He opened the pouch and shook out the food he had prepared so carefully by pounding together strips of meat and berries with maple sugar and then drying them in the sun.
But instead of pemmican, pale squirming things fell out into his hands.
The magic of the Nyah-gwaheh had changed the food into worms.
"Brothers," the fattest and laziest of the hunters shouted,
"let's hurry up and catch that big bear! Look what it did to my pemmican.
Now I'm getting angry."
Meanwhile, like a pale giant shadow, the Nyah-gwaheh was moving through the trees close to the hunters.
Its mouth was open as it watched them and its huge teeth shone, its eyes flashed red.
Soon it would be behind them and on their trail.
Just then, though, the little dog lifted its head and yelped.
"Eh-heh!" the first brother called.
"Four-Eyes has found the trail," shouted the second brother.
"We have the track of the Nyah-gwaheh," said the third brother.
"Big Bear," the fattest and laziest one yelled, "we are after you, now!"
Fear filled the heart of the great bear for the first time and it began to run.
As it broke from the cover of the pines, the four hunters saw it, a gigantic white shape, so pale as to appear almost naked.
With loud hunting cries, they began to run after it.
The great bear's strides were long and it ran more swiftly than a deer.
The four hunters and their little dog were swift also though and they did not fall behind.
The trail led through the swamps and the thickets.
It was easy to read, for the bear pushed everything aside as it ran, even knocking down big trees.
On and on they ran, over hills and through valleys.
They came to the slope of a mountain and followed the trail higher and higher, every now and then catching a glimpse of their quarry over the next rise.
Now though the lazy hunter was getting tired of running.
He pretended to fall and twist his ankle.
"Brothers," he called, "I have sprained my ankle.
You must carry me."
So his three brothers did as he asked, two of them carrying him by turns while the third hunter carried his spear.
They ran more slowly now because of their heavy load, but they were not falling any further behind.
The day had turned now into night, yet they could still see the white shape of the great bear ahead of them.
They were at the top of the mountain now and the ground beneath them was very dark as they ran across it.
The bear was tiring, but so were they.
It was not easy to carry their fat and lazy brother.
The little dog, Four-Eyes, was close behind the great bear, nipping at its tail as it ran.
"Brothers," said the fattest and laziest one.
"put me down now. I think my leg has gotten better."
The brothers did as he asked.
Fresh and rested, the fattest and laziest one grabbed his spear and dashed ahead of the others.
Just as the great bear turned to bite at the little dog, the fattest and laziest hunter levelled his spear and thrust it into the heart of the Nyah-Gwaheh.
The monster bear fell dead.
By the time the other brothers caught up, the fattest and laziest hunter had already built a fire and was cutting up the big bear.
"Come on, brothers," he said. "Let's eat.
All this running has made me hungry!"
So they cooked the meat of the great bear and its fat sizzled as it dripped from their fire. They ate until even the fattest and laziest one was satisfied and leaned back in contentment.
Just then, though, the first hunter looked down at his feet.
"Brothers," he exclaimed, "look below us!"
The four hunters looked down.
Below them were thousands of small sparkling lights in the darkness which. they realized, was all around them.
"We aren't on a mountain top at all," said the third brother.
"We are up in the sky."
And it was so.
The great bear had indeed been magical.
Its feet had taken it high above the earth as it tried to escape the four hunters.
However, their determination not to give up the chase had carried them up that strange trail.
Just then their little dog yipped twice.
"The great bear!" said the second hunter. "Look!"
The hunters looked.
There, where they had piled the bones of their feast the Great Bear was coming back to life and rising to its feet.
As they watched, it began to run again, the small dog close on its heels.
"Follow me," shouted the first brother.
Grabbing up their spears, the four hunters again began to chase the great bear across the skies.
So it was, the old people say, and so it still is.
Each autumn the hunters chase the great bear across the skies and kill it.
Then, as they cut it up for their meal, the blood falls down from the heavens and colours the leaves of the maple trees scarlet.
They cook the bear and the fat dripping from their fires turns the grass white.
If you look carefully into the skies as the seasons change, you can read that story.
The great bear is the square shape some call the bowl of the Big Dipper.
The hunters and their small dog (which you can just barely see) are close behind, the dipper's handle.
When autumn comes and that constellation turns upside down, the old people say.
"Ah, the lazy hunter has killed the bear."
But as the moons pass and the sky moves once more towards spring, the bear slowly rises back on its feet and the chase begins again.
submitted by JoshAsdvgi to Native_Stories [link] [comments]

2023.06.03 00:39 No_Interaction6360 Multi City Regions Confirmed?

Multi City Regions Confirmed?
If you look in the far background of the recent leaks on the infographic screen you can see the blue population density.
It is either another city in the region without anything rendered, or the maps are just massive now.
submitted by No_Interaction6360 to CitiesSkylines2 [link] [comments]

2023.06.03 00:35 -addydaddy technically I wasn't "raped" but I was blackmailed/manipulated into performing sexual acts, can't stop feeling bad about it

Ok, I'm going to try to keep this complex situation short. But I met a guy through an ad for a sugarbaby. I was pretty broke, working all the time, really depressed, very overweight, hadn't had any physical/sexual contact in more time than I want to admit, and my self confidence was at a zero. I saw an ad on CraigsList Erotic section that said an older, professional, in-shape/clean white guy was looking for a sugarbaby, basically for oral sex only in exchange for money. I'm not proud of this, but the idea of having some kind of sexual contact/relationship with a man was appealing and exciting. And I've always been told I give great BJ's and pride myself on that , plus I need some extra money and this wouldn't take much of my time, so I thought, why not? And I sent an email with some pics, and he responded later that night. And he asked me some (sexual) questions about my 'skills' and I said why don't I just show you? So he invited me to his house and I drove there that night. His place which was a really big mansion house right outside Washington DC, which is a very expensive place to live, so I was super impressed right away like, ok, this guy is rich.
Well turns out I recognize him from where I work. He is a regular at the restaurant and sort of has a reputation as someone connected to gangsters, gamblers, some powerful people.
He's nice at first and welcoming, but really fidgety and talking a lot, I figure out he's high. And that he has multiple girls that he pays to give him head while he's high , and that he does this a few times a month. He just strips to his boxers within like 2 mins of me walking in, and I am giving him head right away. So I give him head a few times that night and he's really critical of how i'm doing things and telling me what to do/not do the whole time, and I never really got into it or got my rhythm, and he seemed frustrated. He tells me I have to practice and improve and he's going to teach me and then I'll be ready to make money and be one of his regular girls .
His "#1 girl" was Connie. He showed me video of her giving him head. He'd always video record on his laptop and phone each time and showed me that he had a PornHub page with Connie and he also had like, probably 100 folders with girls names on them with videos of them all giving him head, and he showed me and said look, not to worry, I have all these girls and only Connie's videos are on PornHub, because only Connie agreed and filled the paperwork to put the videos up. So he doesn't put other girls videos up. And I didn't feel good about it and didn't trust him but I just said ok, and went along with it because I can never stand up for myself. So he had videos of me from day 1.
This goes on a couple months where I am basically this guy's Uber-BlowJobs and he's only given me like $60 total. I start to get tired of him and also he's getting more bossy/mean/misogynistic , and also rougher with me. He says it's his "kink" to say derogatory stuff to girls and asks me if that's ok, and that's it not personal, and it is just his weird kink and it really helps him get off. And I go along with it and say it's ok because I'm a pushover. And so he's calling me fat and ugly and a stupid whore and bossing me how to give him head, and he'd push my head down or be rough with me to the point i'd be crying sometimes and he'd say something mean about me crying and keep going.
I had had a really hard day at work and my mom was sick in the hospital, and I didnt want to go over to his place so I just stopped returning his texts. I was done with him and I wasn't getting more money or anything, he was just using me and Connie was always going to be #1 and I was always going to be trash that he spit on and called fat.
He texted me a lot without any response from me, he tried offering more money, more promises, he would turn into a super nice compassionate person when he was trying to convince me to do something, all to get me into his bedroom where everything would change, but it was all "pretend" and dont "take it personal".
Well then he sent me a text saying that "hackers" had hacked into his computer and they had access to all the videos. And they were threatening him/blackmailing him. And he said not to worry that he was taking care of it. I was freaking out because my family/dad/brothers/mom would absolutely kill me if they heard that there were porno movies of me getting degraded on the internet. My life and reputation in my family's eyes would be ruined.
He texts me again and says that the hackers are making demands, they want us , me and him, to make more porno videos where I give him head, and they want specific sexual things to happen in the videos. And he also showed screenshots of my facebook friends, all my family and friends, and said the "hackers" had these names and they were going to send videos of me to all my family and friends if I didn't comply with their demands.
So he suggested that we just make the videos and appease the hackers so they dont release the videos to my family/friends. Now I see obviously it was him lying, but at the time I was so scared and freaking out that I wasn't really sure. So I went over to his house again and that's when he told me he was just kidding about the hackers and he just wanted to see me again. I was so pissed but he gave me some money up front this time to give him head and then I was right back in his room, giving him head and crying and I hated myself for being there and pleasuring him, and was so disgusted with myself that I coudlnt just get up and walk out. And the whole time he's calling me a dumb bitch and saying how he knew he'd get me back in there sucking his dick, and all these disgusting things to me.
Then when I didn't want to do the more hardcore stuff that the "hackers" demanded, that's when he said that the "hackers" might still release the videos if I don't do these things and make the videos how they want. And I said "I thought you said you were kidding?" and he said "No, they were real, I jus tdidnt want you to worry about it. But if we dont make these videos they'll release the videos."
So I had to do let him do things to me and hated it the whole time, was visibly crying and didn't want to be there, and he was enjoying himself even more it seemed. And after a few hours of abuse I left and felt so empty and weak and pathetic. I cried the whole way home. But at least I did one smart thing, I just blocked his number and hoped he wouldnt release the videos. And he didn't (hasn't) yet anyway, but they're still out there. And I still see him sometimes at work and he acts friendly and says we need to hang out again, he misses me, etc. Anyway just wanted to get this off my chest.
submitted by -addydaddy to sexualassault [link] [comments]

2023.06.03 00:32 Ok_Supermarket_7627 Have a choreography idea for a show? Do you think it will translate well

So its for a the show I’m writing
Called the four seasons
The story is about a royal family, there’s four siblings that controls the power of the seasons
So the sibling Sabina (who controls spring) has a song called process where she try’s to not look back and life in the past
Because her old friend dimirti (who controls the droughts) turned on her
Because In the show she needs to learn to move on from mistakes she’s made
But she has a chip on her shoulder and refuses to
Which goes against her power of having starting new beginnings
So I want to stage the song as a big number
where she’s going throughout the kingdom using her powers to get ready for spring
She’s dancing and everyone around her is at high energy
But she’s singing a ballad
To show how she’s not looking forward while everything else is
And how she’s currently unattached to her role she wants to do well at
Kinda like the song she is singing is akin to part of your world but the choreography is akin to friend like me
submitted by Ok_Supermarket_7627 to musicalwriting [link] [comments]

2023.06.03 00:31 JoshAsdvgi The Hunt of the Great Bear

The Hunt of the Great Bear

The Hunt of the Great Bear

Many years ago there were four brothers who were great Iroquois hunters.
The oldest was as bright and full of promise and light-hearted as spring.
The second was sturdy and quiet and warm like summer.
The third was quick to change and slightly moody like the fall.
And the fourth was slow and cold and full of complaining like the winter.
Even with their very different temperaments, they were good friends and good brothers and they hunted well together with their fierce little white and black dog.
One day an emissary from the next village came to ask the brothers for help.
The emissary told of a great and massive magical bear that stalked the poor village.
Women were no longer comfortable working in their gardens and children had to be kept inside the long houses.
The emissary asked if the four great hunting brothers would come to track and kill the creature who threatened their peace.
The brothers packed their hunting spears and held their children, then went off to the village following the emissary.
As they grew closer, they noticed that trees were scratched impossibly high with bear claw markings.
They eyed the trees, and then exchanged glances, doubting the idea of a magical bear but knowing they would soon be hunting something remarkable and fearsome.
The elders of the second village welcomed them and told them of the bear’s habits and terrifying size.
The four brothers noticed the hunger and poverty of the village and each one privately vowed to help.
That night, after a meager meal in the poor village, the four brothers sat down to plan.
“We will have a fight on our hands.
I welcome it,” said the first.
The second brother listened and nodded.
“It’s a foolish, impossible mission, but it will bring great food to this village and great skins too, if we can find it,” predicted the third.
“This mat is hard and I am hungry,” complained the fourth.
The three older brothers smiled knowingly at their winter brother.
He was always grumbling about something.
“Let’s make a vow together,” said the spring brother.
“We will track this magical monster bear and never let him shake us.”
Then the four brothers nodded agreement at each other and, even though the youngest continued to carry on about the hard, cold conditions, they settled in to sleep through the night.
In no time at all, the morning sun woke the brothers and soon they and their white and black dog were tracking the bear through the late summer woods.
They went on for days, following the bear’s signs and learning its ways.
The wind grew colder and the moon shone with a frosty circle each night.
The young winter brother complained constantly, but they continued to work together to track the monster bear.
Finally, they spotted it.
Fear froze all four of them momentarily in their tracks.
The bear was monstrous; as tall as a pine; as grey white as morning mist, and as angry and wide as a river.
Only the small white and black dog attacked at first.
It pulled back its gums, showed its teeth, raised the hairs on its small neck and then jumped. The great white bear ran, crashing through the woods with the small dog close behind.
The hunting brothers shook off their fear and ran after them.
Day by day the brothers chased the magical bear.
It ran deep into the forest and then high into the mountains where the trees were thin and the bear was easy to see.
The brothers knew now that there was no escape.
As the bear tired, the brothers were able to complete their kill.
They paid respect to the great monster bear and the creator who made it, then began to skin it.
The spring brother looked around him for sticks to build a fire.
“Brothers,” he exclaimed. “Look down!”
It was only then that the four brothers realized they had chased the bear all the way off the mountain and into the sky.
“I didn’t believe it at first,” said the autumn brother, “but now I know the bear had magical powers.
It ran right off the earth and into the sky.”
“And we followed him,” mentioned the summer brother. “
It was a strong pact we made that night to help those villagers.”
“Can’t we eat now?” complained the winter brother.
“I’m hungry.”
The three older brothers smiled at their complaining younger brother, but all turned to look quickly when the white and black dog began its fiercest barking.
The bones of the great magical bear were coming back to life and running away!
The dog set chase and, once again, the two creatures were off with the four brothers following — the youngest complaining all the way.
To this day it is the same.
Summer comes to a close and the wind turns colder, then the four brothers can be seen in the night sky, chasing the great bear and the little dog.
When they kill it, the stars of the big bear turn over and the maple trees become as red as blood and the grass lies under a white blanket as if the brothers had stretched out the great skin to dry.
Then in the spring, the stars of the bear turn again and the chase begins once more.
submitted by JoshAsdvgi to Native_Stories [link] [comments]

2023.06.03 00:27 udontseemei Should I stop talking to this guy or just let it go? Any advice? Similar experiences?

Help I just feel so stupid..
There’s this guy who says he has been in love with me since high school, lets call him Andy. He professed his feelings after we graduated, and two years later he started going for me again, at which I told him I wasn’t ready for a relationship, so lets say this happened in August 2022.
We continued to talk but as the semester started getting more busier, I had less time to talk to him. But we still text pretty frequently, especially in Spring 2023.
As a background, it’s not that I wasn’t attracted to him. I was. I’ve just never dated a boy before and he wasn’t my type my type. And I believe he hooked up with with my best friend twice which occurred 2-3 years ago, but that was another thing that was holding me back from actually going out with him.
Lately towards the end of Spring 2023, I began craving for company for some weird reason. I’ve always been the type that was too busy to date, but I always had time for my friends. I guess I realized I was graduating next year and that this was probably the prime time for me to be meeting people.
At this point I was still virgin, so I went on Grindr and I met this super nice guy. He was my first.
Probably a week after that, Andy, asks me to hangout (he always asks me to hangout, but I’ve never had the courage to hangout with him by myself, there’s usually another person)…. I guess finally meeting someone online on Grindr gave me the courage to finally see Andy. And it was unexpected but we ended up doing intimate stuff.
Mind you I didn’t know that he was over me, in which he told me the second time we had sexual interaction which was 2 weeks after the first occurrence. On the first day, he did say “we have a shared understanding, but it was so late in the night that I didn’t bother to ask him to elaborate.” Now I wasn’t sure if I was willing to do anything with him, if he still didn’t like me anymore.. especially because we have many mutual friends.
Then after that, I found myself thinking about him. Like I said, it’s not like I never liked him I just never gave it a chance. Then a few weeks after, I told him something that was a little sensual but flirty and he was like “lets not have feelings please.” He said he’s still attracted to me, but he doesn’t like me like that anymore. He said he has gone through it enough with me and how he was hurt when he was pursuing me for a long time and how I didn’t want a relationship with him. That kind of hurt me, I don’t know if it’s because I feel something for him or it’s because I felt rejected. Then, I got self-conscious, I thought maybe he didn’t like what he saw, or my body, or something turned him off about me, I don’t know.
We’re still talking consistently now, but lately he said he’s been talking to someone, and he doesn’t know if it’s serious. Then I got upset. So I don’t know what I’m feeling.
We made a deal we would talk to each other about our prospects, and stuff like that. He’s away for 2 months, and I’m not really a FWB guy, but I was thinking I would be okay with it when he comes back and if he’s still not dating anyone. But I don’t know if I actually feel something for him, and if I do, then I would rather not do that and stop talking to him, or would the feelings go away? I’m very new to this. This is the type of thing I’ve been avoiding my whole life because relationships of any kind tend to stress me out.
What do you suggest? Have you ever been in this situation? Do you think I should stop all communication with him? I mean throughout the time, he had feelings for me and he managed to continue texting me. Any similar experiences, and any advice?
submitted by udontseemei to gay [link] [comments]

2023.06.03 00:26 Internal_Prune_5108 contracting 101

Residential Contracting 101
With over 20 years of building experience, I would like to share with you my insights in navigating becoming a successful contractor. With many different avenues of the building world its key to understand what problems will arise on any given day. A man once told a saying that stuck-the 6 p’s in life- Piss Poor Preparation leads to Piss Poor Performance. Preparation builds everything in construction, without preparation the jobsite will not run correctly. The best advice I was ever given was to learn a little about every trade giving you the ability to understand trade lingo and secrets. An example would be painters use the terminology flash; this means when the sub structure bleads through the paint. Subcontractors will give the best pricing if they respect your knowledge of the industry. If the subcontractor feels they will have to hold your hand through the job they will charge an extra fee…i.e. I call it the aggravation fee. In this blog I will explain the key elements in finding success in all aspects of the industry. Contracting is a physically and emotionally demanding job which requires planning and foresight to complete projects on time within budget. Picking your customer is just as important as picking your employees or subcontractors. I have worked for some of the most demanding customers leading me to question at the end if the job was even worth it. Sleepless nights, constant changes, lack of payment, lawsuit threats, adding work that was in the contract are just a few things you could face with a tough customer. With so many moving parts at all times it is critical to be able to adapt to changes within a short time frame. Materials will come in damaged, subcontractors will be late, employees will get sick, but the deadline you set does not change. The stress can be overwhelming at times keeping your mind in a good place is key to navigating all that is thrown at you. Choosing your client picking the right jobs-Keep these questions in mind The first question to be asked is what the time frame is to start the job to see if it fits within the timeframe for your business. If the time frame doesn’t work then move on from the project or let them know when you would be available to start. If the client really wants to use, they will wait until you are available. Taking on too much work will only lead to problems. Construction is a serviced based business, staying on top of the project and client will eliminate an unhappy customer and construction issues that will be over seen. With online presence if details are missed and customer service lacks it will only be a matter of time the phone will not ring. The second question to be asked to the client is do they have a budget in mind for the project. If they answer yes this is good, follow through with what the budget is. If the budget seems low let them know, this will eliminate a tire kicker, educate them on what the price range could be. If the budget seems reasonable then continue the discussion to the next question. If they answer no let them know that you can give them an estimate to see if the project is feasible with their finical capabilities. Taking on a job that is not correctly budgeted will lead to an unsatisfied customer due to non-transparency of the construction cost. The third question to be asked is anyone else bidding on the job, if the answer is yes, understand you might just be number check for the contractor doing the job. Dig a little deeper and find out how many numbers they are getting and why. If your business model is to be competitive be completely transparent with customer, this will gain trust with them. Let them know you get what you pay for and if you they choose the lowest bid it could lead into lack of quality of work.
The fourth question I will ask is there any specific subcontractors they wanted to use. If the answer is yes then I would explain to them you only use the subcontractors you have a working relationship with. Otherwise, this could backfire as the subcontractor might not show, do subpar work, talk behind your back to the homeowner. In my experience I would stay away from using any homeowner to alleviate problems down the road. A quick conversation now can save headaches down the road. The fifth question I will ask are planning on getting the job permitted, this needs to be known it takes more time for the permitting process. Plans will have to drawn submitted and approved to the city before work can commence. The sixth question I will ask if a residential remodel is are you going to be living through the remodel if yes understand this will take more time to navigate the project due to answering questions and cleaning the house on a daily occurrence. I would recommend seeing if the customer would be willing to move into an Airbnb or friends for at least the demo portion of the project. If they do plan on living through the remodel add a couple hours a day to accommodate the extra time that will be required. The seventh question I would ask in a residential remodel is how old the house is to see if there is asbestos that would need to removed by a proper company. A home built before 1979 will most likely have some asbestos in the house, use a licensed company with proper insurance to dispose of the materials. If everything looks good to this point find out a little more about the client personality. If the client seems reasonable, I would bid the job. Unreasonable people can cause you more stress than its worth. These are some red flags I would look out for. Some jobs are not worth the money. Very demanding in the way you are going to perform your job- I.e., tell you how you are going to do your job- You’re the professional not them! Give you a hard time about your price- haggle with price you estimated- The price is the price! If they are a family with little money and you want to help them out is one thing, if they are trying to beat you down is another. Mention they have a lawyer-there is no need for them to bring up that they have a lawyer - Run for the hills as if the job goes south, you will be the one losing out! Tell you what the payment terms are. It’s your business you get paid how it works for your company. If you want to get paid every Friday, put it into your contract-If the clients do not agree move on it will save you frustrations If they talk bad about the last contractor, chances are they will talk bad about you. There is a reason why the contractor does not work for them anymore, unless he did subpar work this a red flag Clients are using an interior decorator that will purchasing all of the materials- The materials could be ordered incorrectly by the interior designer your company will not make the mark-up it deserves. Interior decorators usually add time to the job as well as act like your boss. Charging a little extra for the time and stress that it will entail is only fair. Clients want to purchase the materials- You are using your knowledge to buy the correct materials-The mark up on the materials keeps the doors open working for wages only pays the bills The husband and wife do not get along-You will become the mediator between the couple it will lead to taking sides a losing proposition- A drama free work place is always best! Dangling carrot-if you do this job the next one will be better-Only look at what there offering at the present moment, if its not a good fit do not take the job for a job down the road…Its not worth chasing a job that might not happen! The Art of the Sale First things first selling your company is all about presentation. In meeting your clients for the first time show up with a collared golf shirt tucked in, belt, nice jeans, and newer shoes. Have a truck that a clean, no dents scratches, preferably washed the day you are going into your meeting. Have a leather note pad that is clean no dirt or paint visible. Show up 5 minutes early, if you’re running a little late shoot them a text to let them know. Treat the situation as if were going on a first date, best foot forward. As you introduce yourself give them a warm greeting, letting them know you are very interested in the work. Find out a little about them, hobbies, where they lived, etc etc. You are going to be working with them on a daily basis its nice to know what makes them tick. Having a good working relationship from the start is key forming a solid relationship. As the conversation progresses find out who wears the pants in the family…ie who’s the final decision maker. If its fits the wife, chances it is…..then kindly let the husband know happy wife happy life when their in a stall mate on an issue. As your looking at the project throw in some suggestions of what you think would look good from past experiences, this will get their attention that you have knowledge and want what’s best for them. If you see ways to save them money in their project let them know, money is a large point of the sale keep that in mind. Mention that you’re not the least expensive contractor but you’re not the most expensive either. Your customer satisfaction is your number one goal which leads to more time spent on keeping them happy. One happy customer will lead to another, one unsatisfied customer leads to work in the future. Bring up the fact the finishing the job on time is key goal to your business, many contractors run several jobs at once causing the jobs to be finished way behind schedule. You must stand out as having integrity, good morals, and the ability to problem solve to get the job. The clients will be testing you to see if you’re a good fit as well. Keep in mind as you take your notes that you must not forget anything they mention as it will come back before the job is completed…i.e. we mentioned that to you before we started the job! Take pictures of the proposed area for work, that way you can use it to better right your estimate. Let them know you will give them a detailed outline of when the job will be completed letting them see how long each phase will take and correlate it with your payment schedule. Before you leave their house let them know when the estimate will be sent to them. MAKE SURE YOU HIT THAT DEADLINE! Once you sent the email over with estimate make sure you get confirmation that they received it. Wait at least 2 days before checking with them, hopefully they contact you first! If they want negotiate the price, let them know that it is the best price that you can manage, its not worth losing money before you start. I closed 80% of the work I estimated by being very transparent and friendly. If you come off with an attitude charge double what the going rates are you might only land 1 out of 10 jobs as well as getting the reputation of being expensive. Bidding the job Looking up industry standards on pricing is what I would go buy for pricing. If you google the coat of any installation there will be a cost range for everything. Looking at the cost ranging from high to low I would tend to be in the middle. Some items might be low on the internet if this is the case use your best judgment not to lose money. Closing sales is key to success and keep the doors open for business. Being in the middle on pricing is key as most customers shy away from contractors that are extremely low or high on the price range. I tend not bid out hourly as wages do not pay for retirement. Bidding is better as customers no the exact price of the cost of construction. It also keeps the job moving quicker as time and material contractors take longer to complete projects…Thus costing the client more money and valuable time they could spend in their house. Using a Contract Using a detailed estimate tied to a contract covers your butt in 99% of the time. Having a piece of mind that every aspect of the job is covered in the estimate and contract protects both your company and the client. Key terms to include in your estimate/contract are. Have a schedule on excel showing the start dates and dates of each trade this will show the customer you are organized with time lines. If not written in the detailed in the estimate the item is excluded- This ensures if its not written down its not included. TBD- To be Determined- A phrase on a line item that has yet to had final decision of products or service needed. -The pricing will follow the decisions to be finalized Give out what your written warranty will be for parts and labor this changes state to state. If the homeowner provides the product than no warranty will be given on that particular item. In the contract have a start date and end date with the verbiage subject to change due to weather, product delivery, change orders Have a progress payment schedule to ensure the client understands when funding will be expected-Including if not payment is rendered service to the project will stop. Have written terms of how change orders will be charged-cost plus 20% or a set fee Make sure in your contract that arbitration is required versus going to court- This will save lawyer fees and going to court Many contracts can be found online and each state requires different contracts
Finding leads Finding leads is easy with the right network of people. I personally do not find working for friends or family members a good fit. Relationships get strained when money is involved, causing undue stress for both parties. I have listed a couple of ways to build a network or find work using the internet. Get in contact with realtor’s- Realtors have a big client base of homeowners who need work done Contact local Architects to see if they are working with any general contractors Leave some business cards at your local materials suppliers-Doowindow/lumber-many times clients will ask salesman for a referral. Join a business networking group- BNI is one of many Join a internet website lead generation company- Houzz, Angie’s List, Home Advisor, thumbtack, Yelp run an ad on craigslist Use a marketing company to market your website-This could become costly with little results Create a Facebook business page Create a Yelp business page
Building your subcontractor base Having 2 subcontractors for every trade, gives you the flexibility of completing jobs on time if the one the subcontractors is too busy at the time you need their service. Your subcontractors are the face of your business, choose owner run companies that are professional. Check to make sure there license are up to workman’s comp, liability insurance, state license. Choosing subcontractors with lettered vans, logoed t-shirts is s key to looking professional in the clients’ eyes. In the past I have gotten a lot of subcontractors for material supply shops, stopping by jobsites, researching the internet using Yelp, Home Advisor, etc etc. Once you get one good subcontractor ask them if they know any other trades they would recommend. One good subcontractor leads to another in most cases. The key to having a good group of subcontractors is to let them know that you are there to get help them get the job done. They do work for you but without them you are nothing…keep that in mind! Make them aware a clean jobsite is required at the end of everyday to ensure the proper safety for all parties including theirs! Over the years I have referred a lot of companies work when there is only 1 trade needed. Referring work to subcontractors is a good way to get top priority when you have work that needs to be completed ASAP. Timing is everything in times of emergency having a good group of subcontractors will make your business run smoothly. Pay your subcontractors immediately after performing work, this will make them feel appreciated! A happy subcontractor is one that will gladly go the extra mile for you knowing that there not just a number to your business! Buying lunch once a week for the jobsite is always a good token of appreciation!
Supervising In supervising any jobsite its key to monitor everything from materials on hand, weather, vehicle parking (if applicable), jobsite safety, and subcontractors’ workmanship. If you hired a professional there should be little supervision in the work being performed, on rare occasions a new hire might need some mentoring to get the results completed correctly. If you see a problem with there work address it with the worker directly, no need to call his boss…. building repour with the worker letting him know you got his back goes miles down the road! Checking in on the job first in the morning to answer any questions or changes that need to be conveyed and once in the afternoon to make sure all work be completed is done per construction industry standards. A job that is run blindly will have many more issues than one that is watched over. I have seen many jobs with no site supervision, leading to subpar quality work as well as safety hazards. Its better to be like an eagle than cluck like a turkey!
Working with the City/Inspectors On permitted jobs the city and site inspector will be a large part of how smoothly the job runs. Each phase of construction has an inspection allowing for the project to continue. Make sure your subcontractors are aware that the project is inspected before starting the job. The best way to stay on his good side is to provide a clean jobsite and having the job built to the highest standards possible. When having the site inspected be courteous to the inspector asking any questions or concerns you have with the work during the job. Being completely transparent will save you aggravation of problems down the road. The more he trust you the better if you seem sneaky or rude he will make your life a living nightmare! Many inspectors will have an attitude towards you….I suggest keeping quiet and doing what ever he wants….he’s the boss no need to get in a pissing match you will not win at. How to deal with irate customer Stay calm during any argument with an irate customer. Never raise your voice or show that you are bothered by their disgruntled behavior. If the customer is trying to get more from you than agreed upon stand your ground. Worst case scenario is you walk from the job, which in the long run be more of a loss for the client. I have only run into a couple of these clients; they are unreasonable and not worth losing sleep over a few dollars. Its best to terminate the relationship as it would be my best guess that a referral from this customer would not be one you wanted anyway. If you feel it was just a miscommunication on your end, take reasonability and remedy the problem. Taking accountability for your mistake will go a far way in their eyes and on future issues that arise. Prepping the homeowner pre-construction Before starting the job, it very important to give the homeowners a warning of what will happen during the construction process.
  1. All furniture in the proposed working area must be moved- I would recommend having the clients take care of this to limit the risk of damage to their belongings.
  2. There will be dust that will be in the house up to 3 months after construction-I would recommend hiring a construction cleaning company at the end of the job even so after it is cleaned dust will be present months after words.
  3. There will be conflicts between you in the homeowner at some course of the job. - You will do your best to eliminate them as quickly as they arise-i.e. material damages, miscommunication, job delays
  4. All decisions on materials must be made before the start of the job- this will eliminate job stoppage due to materials not being on site.
  5. All materials will be on site before commencement of job-
  6. Payment structures must be made per contract otherwise job will stop until payment rendered
  7. Cars are to be moved out of the driveway- Ensures ease of loading and unloading of materials/tools
  8. Give the specific hours that workers will be present- i.e. 7-3:30
  9. Determine what areas are allowed to be used as staging for tools/materials
  10. If animals are present in the home that they put outside or in a room during the day
  11. All valuables in the house are locked in safe
  12. Ask if using client’s household bathroom is okay or to bring in Porter Potty
  13. Being transparent as possible is key to keeping a great relationship with your client!
During Construction During construction it is key to take detailed photos to eliminate any damages that were not caused by the construction process. I would also make a video to ensure all areas are included. All subcontractors should also take progress pictures to ensure if problems arise in the future, they will not be responsible for any work that they did not perform. Keep an on-going log of progress to the homeowners and share the pictures for there records. This will keep homeowners excited of the progress being made. When the house is gutted to the studs it is important to have construction photos showing where all utilities are run in the walls or sub floor. If there is a problem in the future there will photos showing all utility locations. Protect all flooring with plywood or floor protective. I also like to protect front door and tarp all areas where subcontractors are to be working. Make sure to cover any chandeliers/furniture/doorways with plastic to eliminate dust. Ask the homeowners if they have any concerns that they could think of. We’re all human and possibly a detail was missed! Post Construction Phase If the project went smoothly appreciation should be shown to the customer. Find out if the husband likes a particular type of liquor. Bring the wife a bouquet of flowers. Send a Christmas card to the family letting how much you appreciated the work. You know you have done a good job if they tell you they will refer you to their friends. The best compliment you could receive is a good referral. In Summary Try to find a knitch in the market, I found kitchens to be a great remodel projects. Bathrooms are tough as they are small, expensive with little profit margin with every trade involved. Windows/doors are also another great knitch as they can be installed quickly. There are so many different remodeling items that can be stream lined to make the selling installing process flawless. Once the core group subcontractors are in place the job almost runs itself. Every day is a learning experience with new materials or methods in construction. Keeping up with codes, materials, fluctuating labor and material cost is a job within itself. Anyone can be a contractor with the right mindset.
submitted by Internal_Prune_5108 to Contracting [link] [comments]