So my fiancée has been talking to her friend lately who has been going through some issues with her husband. He apparently has been asking his coworkers for help with their bills because he’s put all of his paychecks into his brokerage.
For months, she has been wondering why her husband has been short on paying the bills until recently she has decided to check their joint bank account’s transactions. Sure enough this ape has withdrawn thousands of dollars they can’t afford to put into his RH account lmao.
On top of that, she has also seen charges for Onlyfans too.
Based off of what I’ve heard, it seems like it’s his first time investing. IMAGINE being such a dumb fuck you dump all of you and your wife’s money into stocks you don’t know shit about and into e-girls.
If this retard is one of you guys, I applaud you on being at the bottom of the IQ scale and wish you the best of luck on your divorce.
Reposting here if that is ok, because it was deleted from wsb, haven't found out why yet.
The issues with the livestock and fishing industries have been blowing up lately, we are running out of fish and livestock is one of the leading causes of climate change. The question remains, how do we solve the problem. Some say 'do less, eat less' but I'd argue that this is anathema to humanity and obviously isn't going to work fast enough. We can solve this problem, like everything, with technology. Make something better and cheaper and the majority will follow.
This technology exists (lab grown/clean meat) and has been hitting the front page of reddit and international press almost daily at this point. Particularly because of the recent Netflix fishing documentary and Bill Gates letter. There is currently only one way to get in on the ride as a dirty retail investor. If this interests you, get ready for a deep dive.
I've been keeping an eye on and researching the lab grown meat industry for the last few years waiting for them to solve a technical and moral problem that was holding it back (FBS). Luckily this problem has largely been solved by each lab grown meat company individually, who have each finished developing their own solutions. Making Lab Grown Meat officially (and rebranded as) 'Clean Meat' and 'Cruelty Free.'
Many of these companies are building factories and aiming for product release by the end of the year. Basically a metric ton of funding was handed out in 2020 once these companies solved the FBS problem, massively accelerating their progress to the market.
That's a lot of money.
Vast majority of consumers do not care about quality, just price.
People feel guilty about it.
Buuuut people want/need meat.
["If 1955 beef production practice... keep reading on reddit ➡
Sorry if this topic was addressed lately. Mods, please act as you see fit.
As you are aware, the latest round of talks on the Grand Ethiopian Renaissance Dam (GERD) in Kinshasa have failed and things aren't looking too pretty. There have been ongoing border skirmishes between Sudan and Ethiopia for a while, but this seems to be happening on the sidelines of the show where GERD is the main performance.
In the last 10 days, Egypt's President has spoken on two occasions about the issue, each time upping his tone and using clearer words, saying pretty much that Egypt has always preferred the path of peace and negotiations but the Nile is untouchable. In the Egyptian media and general online chatter, Ethiopia is completely demonized, and many people, including public intellectuals, artists and prominent figures, are calling for an attack on the dam site. These calls for war aren't from the usual military-minded Sisi loyalist; this time the matter has taken center national stage. I know that because I am writing these words from Cairo. This is becoming more critical every day with the second phase of the dam filling scheduled in about 80 days.
I wish to discuss the following points if anyone is interested. Bear in mind that I ask these questions based on the assumption that the dam really does cause the damage claimed by Egypt. I put the following points to discussion from a geopolitical perspective, and not a moral or ethical one. None of the following is to be understood as an attack on any Ethiopian person or encouraging violence against Ethiopia or Ethiopians in any way.
My wife and I have been married for 20+ years. We have been together since late high school. We have 6 kids between the ages of 11 and 20. I found out 5 months ago that she has been having an affair with one of our kids' teachers for the past 2 years. I have told her that I can forgive the affair if we can move forward together, but she doesn't seem to be able to forgive herself for it. She has continued to text with the AP and frequently will drive by his house.
I'm currently holding on to hope that we can still fix things. She has said that right now she's spent the last several years NOT loving me and finds it hard to change that, but she is trying. I tell her that I love her every night, but she doesn't say anything back. I understand that a long term affair like hers will take time to get over, but it doesn't seem like we're making progress. She has told me that she doesn't know if she can keep IT up (IT meaning both being with me AND being away from the AP), but she's also said she's trying.
I will certainly take some blame for our marriage problems. I took her for granted and didn't always show her enough attention, but she is the one who chose to abandon the relationship and have an affair. I never knew how bad she felt before the affair and she hardly talked to me about it. The thing that gets me the most is what would come after if we get divorced. I read lots of advice that says you should be hesitant to expose the affair to the kids. That by telling them you are robbing the kids of their mother. But I have little doubt that she would quickly be involved with the AP if our marriage ended. The AP is someone my kids know very well. I HATE him and I HATE the advice to not say anything to the kids about WHY our marriage is ending.
Does anyone have advice on how to keep our marriage together and if we can't how to handle dealing with the affair information with the kids (and our families for that matter)? I'm not sure how much longer I can stay in a relationship where the love is one sided but I don't want to bail too early if there's still hope.
Basically, do you have a nation that by all understanding of history, politics etc should just collapse, but refuses to do so. Something similar in our world could be North Korea which by all accounts should mot be able to exist anymore yet it still does
Just decided to put together this quick post to find out which players are close to being a part of an exclusive and prodigious club that features the likes of Curry, Durant, Bird, Nash and Nowitzki (among others). The 50-40-90 requires a player to achieve the criteria of 50% field goal percentage (not 2P% which is a common misunderstanding), 40% three-point field goal percentage and 90% free throw percentage over the course of a regular season.
For the current shortened 2020-21 season, players longing to join the club need to hit the 50-40-90 threshold over the course of at least 51 games played, while knocking down at least 264 field goals, 110 free throws, and 72 buckets from long range. This is outlined on NBA.com as the stat minimums.
Now here are the players that are close, some more so than others:
FG% (542/1075)- 50.42%
3P% (149/375)- 39.73%
FT% (201/218)- 92.2%
FG% (473/924)- 51.19%
3P% (82/208)- 39.42%
FT% (182/204)- 89.22%
New grad here almost 2 months out from orientation. I’ve had stressful nights but that shift just chewed me up and spit me out. That’s all. I hope you all have a better shift! Gonna sleep the day away and pray that they broke up my assignment because I’m back tonight.
Hello everybody. I’m hoping you’re all holding up well.
I’m very devastated and I’m apologizing in advance if this post might not go anywhere. But I need to confide to somebody and I’m thankful that there are supportive communities around like in this Subreddit.
My mom is 56 and was hospitalized at the end of January 2021 due to
ascites in her stomach. Three weeks later she got the diagnosis Stage IV breast cancer with liver, bone, lymph node and two small lungs mets. Her tumor is hormone receptor positive for estrogen, HER2/new 2+. For the liver mets especially the pathology report says : grading g3 and Ki67 20%. So the tumor conference in the hospital decided she should get an anti-hormone therapy as a first line therapy. She got palbociclib with letrozole. She got very weak and suffered from the side effects but she fought through. After 8 weeks they made a sonography of her primary tumor in her left side to check the status and the tumor grew in size and is now almost 8cm. Immediately her oncologist canceled the anti-hormone therapy and said we’re going for chemo. Now this Monday my mom had an appointed operation to insert her port. In this operation her overall condition got unstable due to breathing problems. So they checked her again with CT Scans and saw massive ascites in her stomach and around her lungs (total 5 liters) which they’ve drained now. Today I got a call from a doctor and she said that I should come to the hospital because my mom will die. I needed to quickly compose myself and then went there. I met with another doctor and we discussed options. Hospice, assistive living with care service visits at home without chemo or the option to try chemo nonetheless. Now my mom said she wants to try the Chemo and fight this damn cancer. But she’s scared if her body is strong enough to endure this. She’s feeling very weak. But today she regained the strength to go alone to the bathroom. The chemo could soothe the ascites (but the doc said there is no guarantee on that and the outcome is 50:50) but at the same time it’s also very strenuous to the body of course because it’s toxins that are also damaging healthy cells. She said her bloodwork is overall ok except hemoglobin (7,2 g/dl). Liver is at a ok level, her kidneys are ok. Tomorrow she shall get blood transfusions and probably get the first chemo on Friday if the bloodwork is ok to go. I’m scared and confused and I’m asking if some of you had to some extent similar experiences to share? I
Let’s get the elephant in Spotify’s room out of the way first, namely Apple Music. While Apple is a formidable competitor, they’re second in the race by a large margin: Spotify sits at 144M subscribers and Apple sits around 60M (likely closer to 70M by now). Despite the services being available in roughly the same number of countries (APM:167, Spotify:170), Spotify’s been able to capture much more subscriber growth thanks to a few aggressive expansions.
You’ve definitely heard of Spotify’s aggressive podcast expansions, including JRE exclusivity and new originals/exclusives such as Michelle Obama’s podcast. This expansion led Spotify to surpass Apple’s podcast numbers just barely in 2020, with analysts expecting 41% growth in 2021. Analysts expect that 53.9% of ‘digital audio listeners’ will be podcast listeners in 2021. Spotify’s continuing to expand in this space to meet upstart competitor Clubhouse, by testing paid podcast subscriptions that allow for interactivity. (side note, I’d be interested to know if they’re trying to compete with twitch here too)
A newer expansion on Spotify’s part is their recent foray into audiobooks. It appears that they’re sticking to public domain works for now to test the waters, but moving forwards, this could create a real challenge to competitors like Audible, a company with an estimated $2.5B in revenue in 2020 and no real competitors.
Spotify’s been aggressively pursuing developing markets, which has a negative impact on financials in the short term but could lead to greater profitability in the future. The reason is that they charge lower rates in developing markets in order to build a subscriber base and a presence.
Onto some quick financial stats. (figures in EUR)
Spotify’s 2020 revenue clocks in at 7.3B, and a 47.7B mkt cap, which works out to a P/S ratio of 6.53.
Personally, I like to value companies in the context of competitors … which is sort of hard to do for spotify. I’d argue Netflix is the most comparable (software, digital media, subscriber model), and their P/S ratio sits at 8.96. Twitter’s a bit of a stretch, but their P/S ratio sits at 13.5: Adobe, another stretch but closer imo as it’s subscription-based software, sits at 15.9.
Spotify’s debt/equity ratio is on a downward trend, sitting at 1.26. It’s got a forwards CAGR of 22%.
The biggest red flag I see on their balance sheet has to do with their **cost of revenue: it’s been increasing almost in lock-s... keep reading on reddit ➡