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[FREE to download] I HAVE Biaheza Dropshipping updated course, Iman Gadzhi Agency Navigator course, Sander Stage SMMA Academy, ALL Jordan Belfort courses, AND OVER 3,000 Courses available at http://smmacourses.site/

2023.06.08 00:15 AutoModerator [FREE to download] I HAVE Biaheza Dropshipping updated course, Iman Gadzhi Agency Navigator course, Sander Stage SMMA Academy, ALL Jordan Belfort courses, AND OVER 3,000 Courses available at http://smmacourses.site/

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· ⭐Charlie Morgan - Easygrow Course
· ⭐Sebastian Esqueda - Ecom Revolution
· ⭐Biaheza Droppshiping Course 2023
· Andrew Tate – Courses Bundle
· Charlie Morgan - Imperium Agency
· Charlie Morgan - Gym Growth Accelerator
· Biaheza - Full Dropshipping Course 2023
· Jordan Welch - The Reveal 2023
· Savannah Sanchez - TikTok Ads Course 2023
· Iman Gadzhi - Copy Paste Agency
· Sam Ovens - UpLevel Consulting
· Miles – The FBA Roadmap + The Profit Vault
· Andrew Giorgi – Amazon Dropshipping Course
· Sebastian Esqueda – Ecom Revolution Training Program
· Luca Netz – Advanced Dropshipping 2023
· Kevin King – Freedom Ticket 3.0
· Jordan Platten – LearnAds – Facebook Ads Pro 2023
· Miles – The FBA Roadmap + The Profit Vault
· Dan Vas – Ecom Freedom Shopify Blueprint 2023
· Alexander J.A Cortes - WiFi Money Machine
· Kody Knows - Native Mastery
· Bastiaan Slot - Six Figure Consulting
· Kaibax - Centurion agency
· Joe Robert - Print On Demand Accelerator
· Ryan Hogue - Ryan's Method Dropshipped POD
· Kevin Zhang - Ecommerce Millionaire Mastery
· Ryan Lee – 48 Hour Continuity
· [METHOD] ⚡️TikTok Algorithm Domination Skyrocket your engagement TODAY Updated 2023✨
· Troy Ericson – Email List Management Certification
· Larry Goins – Filthy Riches Home Study Course
· Ry Schwartz – Automated Intimacy
· Patrick Bet-David – All Access Bundle
· Andrea Unger – Master the Code & Go LIVE
· Jon Benson – 10 Minute Sales Letter
· Alen Sultanic – Automatic Clients & Bonuses
· Taylor Welch – Cashflow for Consultants
· Akeem Reed – Slingshot Rental Blueprint
· The Futur Greg Gunn – Illustration for Designers
· Trading180 – Supply And Demand Zone Trading Course
· Jim McKelvey (Foundr) – How To Build An Unbeatable Business
· Master of AI Copy – Copy School by Copyhackers
· Copyhackers – Copy School 2023
· Matei – Gann Master Forex Course
· YOYAO Hsueh – Topical Maps Unlocked
· Tyler McMurray – Facts Verse Youtube Automation Course
· Ashton Shanks – 7 Day Copywriting Challenge Featuring ChatGPT
· Rene Lacad – Rockstar Marketing Blueprint
· Top Trade Tools – Hedge Fund Trender
· Brandi Mowles – Conversion For Clients
· Glen Allsopp – SEO Blueprint 2 (DETAILED)
· Trading Busters – Prop Trading Formula Course
· Sam Woods – The AI Copywriting Workshop (Complete Edition)
· Brian Anderson – Recovery Profit System
· LOW COMPETITION KEYWORDS IN MINUTES ⚡ 70+ REVIEWS ✅ BONUS PDF WORTH $200+
· Devon Brown – Easiest System Ever
· Duston McGroarty – St. Patrick’s Day 2023 Live Event
· Dan Wardrope – Click & Deploy Sales Android
· Lost Boys Academy – How To Make Life Changing Money With OnlyFans!
· WealthFRX Trading Mastery Course 2.0
· TOM & HARRY – Digital Culture Academy
· 100+ Cold Email Templates
· [METHOD] ✅ Make Real Cash with Auto Blogging ⛔Get $1199 Worth of Resources ❌ CUSTOMIZED SECRET PROCESS⚡DONE FOR YOU SITE ⭐ Unlimited Niche Opportunity & So on
· Tobias Dahlberg – Brand Mastery
· Raul Gonzalez – Day Trading Institution 2.0
· Rasmus & Christian Mikkelsen –Impact Academy 2023
· [METHOD] ☢️ The Quick eBay Money Loophole Guide ☢️
· Apteros Trading – March 2023 Intensive
· Rob Lennon – Zero to 10k Twitter Accelerator
· Rob Lennon – Next-Level Prompt Engineering with AI
· Rasmus & Christian Mikkelsen – NEW Audiobook Income Academy Download
· Grow and Convert – Customers From Content
· Charles Miller – The Writersonal Branding Playbook
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· Forex Mentor – London Close Trade 2.0
· Chase Reiner – Fortune Bots Update 1
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· Digital Daily – Top 150 ChatGPT Prompts to Make your Life Easy
· Patek Fynnip – Psychology Course
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· [METHOD] ⚡ See the MAGIC of Bulk Posting ✨ Untapped Method ✅ [ BONUS ChatGpt and Affiliate list Pdf]✅
· ⭕️ YouTube Content Machine – Unlimited FREE traffic for CPA – Fully Automated Method ⭕️
· Jakob Greenfeld – Scraping The Web For Fun and Profit
· Adrian Twarog – OpenAI Template Starter Kit for ChatGPT / GPT3
· The Secret Merchants List of Over 2000+ Dropshippers and Amazon FBA Suppliers Based in The US
· Top Trade Tools – Top Swing Trader Pro
· Charlie Houpert – Charisma University 2023
· ▶️ [METHOD + GUIDE] ✅ Make Money ✅ with Kindle Books ⚠️ Even if You Can’t Write ⚠️ [STEP-BY-STEP] ⚡ NO INVESTMENT REQUIRED! ⚡
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· Travis Stephenson – Simple Profit System
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· Tanner Henkel & Jerrod Harlan – 7-Figure Email Machine
· [METHOD] Stop Wasting Money on AI Writers Train And Fine-Tune Your Own AI For Free With No Code ⚡⚡⚡Real Method & Practice Examples ⚡⚡
· Creator Hooks – YouTube Title Mastery
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· Sean Dollwet – Royalty Hero
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· NXT Level FX – Investors Domain
· [METHOD] ⏩ My ETSY $40K~ Passive Income 2023 + HOT Products (Earning Proof) ⏪ Make Money No Marketing Easy $40K~ Guide FOR NOOBS ✅
· Rob Jones & Gerry Cramer – Profit Singularity Ultra Edition 2022 (AI & ChatGPT)
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· Youri van Hofwegen – YouTube Search Automation
· Montell Gordon – Agency Transmutation
· Csaba Borzasi – Breakthrough Conversions Academy
· Tim Denning – Twitter Badassery
· Geoff Cudd – AI Writing Course for Bloggers & Digital Marketers
· RED CPA FORMULA – UNTAPPED UNDERGROUND CPA SYSTEM
· BowtiedCocoon – Zero to $100k: Landing Any Tech Sales Role
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· [Sales] 999+ Ultimate ChatGPT Prompts To Copy & Paste (250+ tasks)
· Pollinate Trading – Curvy Trading System
· Content Mavericks – The Greatest Hits Content System
· Andriy Boychuk – Flowium – Klaviyo Mastery 2.0
· Dagobert Renouf – How To Dominate Twitter (Advanced Growth Bundle)
· Darius Lukas – ⭐ The Marketer’s Bible to ChatGPT ✅ 1000+ ChatGPT Prompts to Copy, Paste & Scale
· Billy Gene – 5 Day A.I. Crash Course for Marketers
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· TheMacLyf – Hive Mind & Masterclass (Onlyfans Course)
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· Dan Henry – Facebook Ads for Entrepreneur
· Russ Horn – Ultra Blue Forex
· Scott Phillips – Crypto Salary System
· Roland Frasier – AI Powered Expert Apprentice + Update 1
· Roger & Barry – Give Academy 1k/Day Platinum Mastermind [COMPLETE with LATEST UPDATE]
· Bretty Curry (Smart Marketer) – Smart Amazon Ecommerce
· Steven Dux – Traders Edge 2023
· Aidan Booth & Steve Clayton – 123 Profit
· Allie Bjerk – Tiny Offer Lab
· Dicke Bush – Generate 10x More Content Using AI
· Mateusz Rutkowski – New Money Blueprint
· Smart Raja Concepts (SRC) – Forex 101
· Chase Reiner – Short Form Riches Bootcamp 2023 – AI ChatGPT Bot Update 3
· Chase Reiner – AI Profits
· Travis Sago – Cold Outreach & Prospecting AMA Offer (Best Value with All Bonuses)
· Live Traders – Professional Trading Strategies
· Allan Dib – The 1-Page Marketing Plan Course
· Dan Koe – Digital Economics Masters Degree
· The Trading Guide – The Gold Box Strategy
· The Complete XAUUSD GOLD Forex Scalping System On Real Trading Account
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2023.06.08 00:06 Shoddy_Calendar_6299 Its been a day and ive yet to get unbanned is it wraps for me?

Its been a day and ive yet to get unbanned is it wraps for me? submitted by Shoddy_Calendar_6299 to ROBLOXBans [link] [comments]


2023.06.08 00:05 WarriorWellnessGuide Anabolic: Korean BBQ Chicken

Anabolic: Korean BBQ Chicken submitted by WarriorWellnessGuide to WarriorWellnessGuide [link] [comments]


2023.06.08 00:05 Kenji182 NYC smog made my same-day oath ceremony NOT HAPPEN

To go to the meat of the story, today I had my naturalization interview.
I'm on a unique situation where my interview got schedule to a month before my wife and I are flying to out native country to have our first daughter. Being close to family and all.
I tell that to my assigned officer and he says the magic words: "Do you want and are you able to take the oath today?"
I say a resounding "YES".
I follow him to a room. I can hear people taking the oath in the next room. I can't believe how luck I am.
After 5 minutes he comes in, as me to follow him back to his office and tells me the building is being shut down for the day because of the heavy smog in NYC from the Canadian wildfires.
He says maybe we can resolve this until it's time to get a passport. If that doesn't happen, I can do it in December when we're back to the States.
Just wanted to share this little anecdote.
Good luck out there everybody!
My Timeline
  • We received your Form N-400 ––––– January 25, 2023
  • Biometrics appointment ––––– January 28, 2023
  • Reviewing your Form N-400 ––––– February 14, 2023
  • Interview Scheduled ––––– April 27, 2023
  • We recommended that your Form N-400 be approved. ––––– June 7, 2023
  • Oath ceremony scheduled ––––– June 7, 2023
  • Oath ceremony cancelled ––––– June 7, 2023
submitted by Kenji182 to USCIS [link] [comments]


2023.06.08 00:02 AutoModerator I HAVE Iman Gadzhi Agency Navigator, Biaheza Dropshipping Course, Andrew Tate all Courses Bundle, And OVER 3,000 MORE COURSES. If ANYONE WANTS them (http://smmacourses.site/)

If ANYONE WANTS them (http://smmacourses.site/)
NEW COURSES (Included when buying my whole collection!):
· ⭐Iman Gadzhi – Agency Navigator 2023
· ⭐Sam Ovens - Consulting Accelerator 2023
· ⭐Cole Gordon – 30 Day Closer
· ⭐Montell Gordon - Agency Transmulation
· ⭐Charlie Morgan - Easygrow Course
· ⭐Sebastian Esqueda - Ecom Revolution
· ⭐Biaheza Droppshiping Course 2023
· Andrew Tate – Courses Bundle
· Charlie Morgan - Imperium Agency
· Charlie Morgan - Gym Growth Accelerator
· Biaheza - Full Dropshipping Course 2023
· Jordan Welch - The Reveal 2023
· Savannah Sanchez - TikTok Ads Course 2023
· Iman Gadzhi - Copy Paste Agency
· Sam Ovens - UpLevel Consulting
· Miles – The FBA Roadmap + The Profit Vault
· Andrew Giorgi – Amazon Dropshipping Course
· Sebastian Esqueda – Ecom Revolution Training Program
· Luca Netz – Advanced Dropshipping 2023
· Kevin King – Freedom Ticket 3.0
· Jordan Platten – LearnAds – Facebook Ads Pro 2023
· Miles – The FBA Roadmap + The Profit Vault
· Dan Vas – Ecom Freedom Shopify Blueprint 2023
· Alexander J.A Cortes - WiFi Money Machine
· Kody Knows - Native Mastery
· Bastiaan Slot - Six Figure Consulting
· Kaibax - Centurion agency
· Joe Robert - Print On Demand Accelerator
· Ryan Hogue - Ryan's Method Dropshipped POD
· Kevin Zhang - Ecommerce Millionaire Mastery
· Ryan Lee – 48 Hour Continuity
· [METHOD] ⚡️TikTok Algorithm Domination Skyrocket your engagement TODAY Updated 2023✨
· Troy Ericson – Email List Management Certification
· Larry Goins – Filthy Riches Home Study Course
· Ry Schwartz – Automated Intimacy
· Patrick Bet-David – All Access Bundle
· Andrea Unger – Master the Code & Go LIVE
· Jon Benson – 10 Minute Sales Letter
· Alen Sultanic – Automatic Clients & Bonuses
· Taylor Welch – Cashflow for Consultants
· Akeem Reed – Slingshot Rental Blueprint
· The Futur Greg Gunn – Illustration for Designers
· Trading180 – Supply And Demand Zone Trading Course
· Jim McKelvey (Foundr) – How To Build An Unbeatable Business
· Master of AI Copy – Copy School by Copyhackers
· Copyhackers – Copy School 2023
· Matei – Gann Master Forex Course
· YOYAO Hsueh – Topical Maps Unlocked
· Tyler McMurray – Facts Verse Youtube Automation Course
· Ashton Shanks – 7 Day Copywriting Challenge Featuring ChatGPT
· Rene Lacad – Rockstar Marketing Blueprint
· Top Trade Tools – Hedge Fund Trender
· Brandi Mowles – Conversion For Clients
· Glen Allsopp – SEO Blueprint 2 (DETAILED)
· Trading Busters – Prop Trading Formula Course
· Sam Woods – The AI Copywriting Workshop (Complete Edition)
· Brian Anderson – Recovery Profit System
· LOW COMPETITION KEYWORDS IN MINUTES ⚡ 70+ REVIEWS ✅ BONUS PDF WORTH $200+
· Devon Brown – Easiest System Ever
· Duston McGroarty – St. Patrick’s Day 2023 Live Event
· Dan Wardrope – Click & Deploy Sales Android
· Lost Boys Academy – How To Make Life Changing Money With OnlyFans!
· WealthFRX Trading Mastery Course 2.0
· TOM & HARRY – Digital Culture Academy
· 100+ Cold Email Templates
· [METHOD] ✅ Make Real Cash with Auto Blogging ⛔Get $1199 Worth of Resources ❌ CUSTOMIZED SECRET PROCESS⚡DONE FOR YOU SITE ⭐ Unlimited Niche Opportunity & So on
· Tobias Dahlberg – Brand Mastery
· Raul Gonzalez – Day Trading Institution 2.0
· Rasmus & Christian Mikkelsen –Impact Academy 2023
· [METHOD] ☢️ The Quick eBay Money Loophole Guide ☢️
· Apteros Trading – March 2023 Intensive
· Rob Lennon – Zero to 10k Twitter Accelerator
· Rob Lennon – Next-Level Prompt Engineering with AI
· Rasmus & Christian Mikkelsen – NEW Audiobook Income Academy Download
· Grow and Convert – Customers From Content
· Charles Miller – The Writersonal Branding Playbook
· Kaye Putnam – Convert with a Quiz
· Forex Mentor – London Close Trade 2.0
· Chase Reiner – Fortune Bots Update 1
· Andrew Ethan Zeng – Social Marketing Mastery
· [Method] Upload FULL, 100% Unedited Copyrighted Videos on Youtube! Content ID DESTROYER!
· Digital Daily – Top 150 ChatGPT Prompts to Make your Life Easy
· Patek Fynnip – Psychology Course
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· [METHOD] ⚡ See the MAGIC of Bulk Posting ✨ Untapped Method ✅ [ BONUS ChatGpt and Affiliate list Pdf]✅
· ⭕️ YouTube Content Machine – Unlimited FREE traffic for CPA – Fully Automated Method ⭕️
· Jakob Greenfeld – Scraping The Web For Fun and Profit
· Adrian Twarog – OpenAI Template Starter Kit for ChatGPT / GPT3
· The Secret Merchants List of Over 2000+ Dropshippers and Amazon FBA Suppliers Based in The US
· Top Trade Tools – Top Swing Trader Pro
· Charlie Houpert – Charisma University 2023
· ▶️ [METHOD + GUIDE] ✅ Make Money ✅ with Kindle Books ⚠️ Even if You Can’t Write ⚠️ [STEP-BY-STEP] ⚡ NO INVESTMENT REQUIRED! ⚡
· Charlie Morgan – Easy Grow
· Nina Clapperton – Jasper AI Course for Bloggers
· Travis Stephenson – Simple Profit System
· Manny Khoshbin – Real Estate Starter Program
· Tanner Henkel & Jerrod Harlan – 7-Figure Email Machine
· [METHOD] Stop Wasting Money on AI Writers Train And Fine-Tune Your Own AI For Free With No Code ⚡⚡⚡Real Method & Practice Examples ⚡⚡
· Creator Hooks – YouTube Title Mastery
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· Sean Dollwet – Royalty Hero
· Jason Bell – Birthday Marketing Formula
· NXT Level FX – Investors Domain
· [METHOD] ⏩ My ETSY $40K~ Passive Income 2023 + HOT Products (Earning Proof) ⏪ Make Money No Marketing Easy $40K~ Guide FOR NOOBS ✅
· Rob Jones & Gerry Cramer – Profit Singularity Ultra Edition 2022 (AI & ChatGPT)
· Cody Wittick & Taylor Lagace – The Influencer Marketing Blueprint
· ⚡️➡️$390/Week BLUEPRINT+PROOF✅Scalable Method❤️Amazon to eBay Dropship✅
· Kody Ashmore – Simpler Trading – Drama Free Day Trades ELITE
· Youri van Hofwegen – YouTube Search Automation
· Montell Gordon – Agency Transmutation
· Csaba Borzasi – Breakthrough Conversions Academy
· Tim Denning – Twitter Badassery
· Geoff Cudd – AI Writing Course for Bloggers & Digital Marketers
· RED CPA FORMULA – UNTAPPED UNDERGROUND CPA SYSTEM
· BowtiedCocoon – Zero to $100k: Landing Any Tech Sales Role
· Holly Starks – Make LINK BUILDING Great Again!
· Mike Warren – Deeds4Cash
· BITCOIN BRITS – The Crypto Course
· Max Gilles – ⚡️☄️ UHQ Leak ❤️CPA JACKER – Epic CPA Blueprint✅⚡️
· Aidan Booth & Steve Clayton – 123 Profit Update 9
· Christina Galbato – The Influencer Bootcamp
· John Thornhill – Ambassador Program
· [Sales] 999+ Ultimate ChatGPT Prompts To Copy & Paste (250+ tasks)
· Pollinate Trading – Curvy Trading System
· Content Mavericks – The Greatest Hits Content System
· Andriy Boychuk – Flowium – Klaviyo Mastery 2.0
· Dagobert Renouf – How To Dominate Twitter (Advanced Growth Bundle)
· Darius Lukas – ⭐ The Marketer’s Bible to ChatGPT ✅ 1000+ ChatGPT Prompts to Copy, Paste & Scale
· Billy Gene – 5 Day A.I. Crash Course for Marketers
· Alex Cattoni – Posse Eye Brand Voice Challenge Program
· Casey Zander – YouTube Fame Game Blueprint
· Harlan Kilstein – Midjourney Mastery
· Shawna Newman – YouTube for Niche Sites
· [Marketing] 1099+ Ultimate ChatGPT Marketing Prompts To Copy & Paste (200+ tasks)
· Karen Foo – Star Traders Forex Intermediate Course
· TheMacLyf – Hive Mind & Masterclass (Onlyfans Course)
· Brittany Lewis – Top Seller Secret
· Dan Henry – Facebook Ads for Entrepreneur
· Russ Horn – Ultra Blue Forex
· Scott Phillips – Crypto Salary System
· Roland Frasier – AI Powered Expert Apprentice + Update 1
· Roger & Barry – Give Academy 1k/Day Platinum Mastermind [COMPLETE with LATEST UPDATE]
· Bretty Curry (Smart Marketer) – Smart Amazon Ecommerce
· Steven Dux – Traders Edge 2023
· Aidan Booth & Steve Clayton – 123 Profit
· Allie Bjerk – Tiny Offer Lab
· Dicke Bush – Generate 10x More Content Using AI
· Mateusz Rutkowski – New Money Blueprint
· Smart Raja Concepts (SRC) – Forex 101
· Chase Reiner – Short Form Riches Bootcamp 2023 – AI ChatGPT Bot Update 3
· Chase Reiner – AI Profits
· Travis Sago – Cold Outreach & Prospecting AMA Offer (Best Value with All Bonuses)
· Live Traders – Professional Trading Strategies
· Allan Dib – The 1-Page Marketing Plan Course
· Dan Koe – Digital Economics Masters Degree
· The Trading Guide – The Gold Box Strategy
· The Complete XAUUSD GOLD Forex Scalping System On Real Trading Account
If ANYONE WANTS them (http://smmacourses.site/)
submitted by AutoModerator to FreeDownload2023 [link] [comments]


2023.06.07 23:34 ou_master US Bank Altitude Reserve Denial DP (7 Jun 23)

My Data:
Income: $101k Mortgage: $1,520/mo Total Personal CL: $78.6k Utilization: 1% Oldest Account: 5yr 10mo AAoA: 2yr 3mo
Previous relationship with US Bank: No Recent New Personal Accounts (credit cards): 0#/6, 2/12, 5/24 Recent Inquiries: 3/6, 5/12, 9/24
#I opened the Chase Marriott Bountiful card in May 2023 but has not reported to credit bureaus. I did not count this toward the 0/6, 2/12 but did count it toward 5/24 (hence moving on from Chase). No SUB due to opening the AMEX Marriott Biz in 2022. Plan to PC Bountiful to Ritz Carlton in May 2024.
Credit Scores: - Experian Vantage 3.0 (Chase) - 781 - TransUnion Vantage 3.0 (Amex) - 745
Current Accounts (currently 5/24): Personal Card / Date Opened / Credit Limit: - USAA Limitless Cashback Rewards / 06/2017 / $8,400 - AMEX Platinum (Vanilla) / 07/2018 / $N/A - AMEX Platinum (Charles Schwab) / 03/2022 / $N/A - Chase Sapphire Reserve / 05/2022 / $25,500 - Capital One Venture X / 08/2022 / $20,000 - Chase United Club Mileage Plus / 10/2022 / $19,700 - Chase Marriott Bountiful / 05/2023 / $7,000
Biz Card / Date Opened / Credit Limit: - AMEX Marriott Bonvoy Business / 07/2022 / $12,000 - Chase Ink Unlimited / 01/2023 / $10,000 - Barclays Wyndham Earner Business / 03/2023 / $4,500 - AMEX Gold Business / 05/2023 / N/A
Worth noting that I am active military and do not pay AF on Chase/Amex/US Bank/Citi.
Reason for applying: SUB, 3x multiplier on mobile wallet, travel credit, no AF, completed SUB on Amex Gold Biz (home renovations on rental property).
Reason for denial: Recon line said I had too many inquiries. I asked recon rep to send the application to manual review and he complied; said I should hear back in 3 business days.
I considered waiting/ gardening to be 0/6 and 0/12 but wanted to give this a shot with the recent DPs getting accepted at 0/6 and 1-2/12 even without a prior relationship. I will report back soon and hope that manual review approves the app!
submitted by ou_master to CreditCards [link] [comments]


2023.06.07 23:18 Dismal-Jellyfish Commissioner Hester M. Peirce: "Although I agree with the objectives of these rules—namely, to reduce the incidence of misconduct in the security-based swap markets—these final rules leave unaddressed concerns I had at the proposing stage about their breadth, and I accordingly cannot support them."

Commissioner Hester M. Peirce:

Source: https://www.sec.gov/news/statement/peirce-statement-security-based-swaps-060723
Thank you, Mr. Chair. As we have just heard, today the Commission will vote on finalizing Rule 9j-1, which would prohibit fraud and manipulation involving purchases and sales of security-based swaps, and Rule 15fh-4(c), which would prohibit coercion, manipulation, or deception of a security-based swap entity’s chief compliance officer. Although I agree with the objectives of these rules—namely, to reduce the incidence of misconduct in the security-based swap markets—these final rules leave unaddressed concerns I had at the proposing stage about their breadth, and I accordingly cannot support them.
The version of Rule 9j-1 before us today is better than the proposed version. The final rule would adopt a considerably narrower definitions of purchase and sale than the expansive proposed definitions that would have covered the performance of obligations arising out of a security-based swap for the life of the transaction. The definitions in the final rule instead generally tracks the Dodd-Frank definitions of these terms. This change should reduce the likelihood that every action taken by a counterparty to a security-based swap during the life of the transaction, including actions required under the swap’s terms, will expose it to liability. In another positive change, the release also makes clear that attempted violations of the rule require scienter. Finally, the affirmative defenses should mitigate—even if they do not eliminate—the risk that the rule might make it impossible for a lender, which will often possess material non-public information on its borrowers, to use credit default swaps to hedge the risks of those loans.
Notwithstanding these improvements, the final rule is still overly broad. The affirmative defenses may not provide market participants with sufficient clarity to allow them, for example, to feel confident somebody on a firm’s trading desk can hedge a loan using security-based swaps when the firm has obtained material non-public information in connection with the loan. As another example, the negligence standard applicable to paragraphs (a)(3) and (a)(4) of the rule may facilitate second-guessing in enforcement actions.
Most concerning, however, is an overbroad anti-manipulation provision directed at manufactured credit events and other types of opportunistic trading strategies. This provision, too, has been narrowed since the proposal; the provision no longer contains the “directly or indirectly” language, and the release makes clear that violation of this provision requires scienter. But the release describes the scope of the provision in the same broad and ambiguous terms to which I objected when the rule was proposed.[1] Indeed, in words nearly identical to those in the proposal, the release explains that this provision would apply to “an action taken for the purposes of avoiding or causing, or increasing or decreasing, a payment under a security-based swap in a manner that would not have occurred but for such actions.”[2]
As did the proposing release, the adopting release does attempt to provide assurance to market participants that the Commission will use this provision to pursue only “actions taken outside the ordinary course of a typical lender-borrower relationship.”[3] Yet, as one commenter noted, market participants must look to the text of the rule, [4] which makes no reference to (and offers no safe harbor for) actions taken in the ordinary course. Moreover, the Commission repeatedly notes in this discussion that whether an action is taken in the ordinary course is a “facts and circumstances” inquiry under which the Commission will review “all relevant facts.”[5] Although this approach does ensure maximum flexibility for the Commission to pursue misconduct that is hard to describe ex ante, it does so at the expense of clarity for firms that will have to guess at what facts the Commission may, in hindsight, determine to be relevant.
The Commission feels compelled to preserve maximum flexibility for itself because it is trying to prohibit harmful but exceedingly difficult-to-define behavior that has occasionally appeared in the credit default swap markets. This behavior includes manufactured credit events and other opportunistic trading strategies that can cause the market to question whether these instruments will serve the purposes for which they were designed. Drawing in advance a line that cleanly distinguishes between manipulative conduct and actions taken in the normal course of business, even if they are unseemly and potentially unfair, is difficult. That the opportunistic trading strategies the rule targets have occurred relatively infrequently, and that each generally has presented distinct facts, makes the rule-writing task more difficult.
Preserving discretion for the Commission could chill, unnecessarily, perfectly legitimate trading strategies or exercises of a counterparty’s rights under a security-based swap.[6] Moreover, as one commenter noted, security-based swaps are often used to hedge complex financing arrangements that involve heavily negotiated terms providing the lenders with a range of options to protect themselves from the borrower’s default.[7] Lenders worried that they may not be able to exercise such rights without affecting the value of the security-based swap in a way that the Commission later might view as manipulative may be less willing to provide financing in the first place.[8] Moreover, because the release suggests that action—such as rescuing a failing firm—will be subject to greater scrutiny than inaction—such as letting a failing firm collapse—the rule risks spurring inaction and thus reducing market efficiency.[9]
Some circumstances might warrant a rule with these chilling effects, but no such circumstances are present here. The targeted misconduct has occurred only relatively infrequently in this market. Our anti-fraud rules likely already prohibit some of that conduct.[10] And, in a demonstration of the power of private ordering, market participants themselves have addressed some of the offending conduct. Sophisticated repeat players are well-placed to police one another for undesirable conduct, even if it is not illegal. In 2018, the International Swaps and Derivatives Association publicly acknowledged that these manufactured credit event strategies could affect negatively the security-based swap market and in 2019 made its Narrowly Tailored Credit Event Protocol available for adherence by counterparties.[11] This Protocol appears to have eliminated much of the destructive behavior simply by introducing greater uncertainty that these strategies could succeed. As the release notes, this Protocol does not address every possible such strategy, but, the release also does not challenge one commenter’s assertion that these strategies have become “extremely infrequent.”[12] In short, the Commission’s desire to maximize its own flexibility in this anti-manipulation provision does not seem to further any regulatory objective. To the contrary, this rule likely will deter far more entirely legitimate activity than it will prevent truly manipulative activity. The Commission instead should delay taking any action here and wait to see whether the problem of opportunistic trading strategies is significant enough to warrant a solution as blunt as the one before us today.
We can all agree with the sentiment of Rule 15fh-4(c): coercing, manipulating, or deceiving a CCO is bad behavior. But regulation—even regulation that prohibits bad things—always involves trade-offs. Will subjecting every interaction between employees and a CCO to potential legal liability empower the CCO to do her job or simply make employees less likely to approach the CCO to seek her input on compliance-related issues?
I do have a few questions:
If a bank provides a loan to a customer and, in the process of negotiating the terms of that loan comes into possession of material non-public information, would the affirmative defenses permit the bank to hedge that loan exposure through a credit default swap? If so, under what conditions?
LSTA noted in its March 2022 letter that the broad language of the anti-manipulation provision coupled with the use of a facts and circumstances test to determine whether a transaction was in the ordinary course would likely chill perfectly legitimate exercises of a lender’s rights expressly provided for in heavily negotiated financing arrangements.[13] Can you provide me any comfort that these fears are groundless?
The economic analysis suggests that Rule 9j-1 will benefit the market by reducing fraud and manipulation, including opportunistic trading strategies, and thereby increase confidence in the security-based swap market. In July 2022, the Managed Funds Association submitted a comment letter presenting data that it claimed suggested that there was no evidence of any lack of confidence among market participants.[14] The economic analysis seems to wave this evidence away as not persuasive, but does not provide any countervailing evidence that the market is laboring under a significant risk of fraud or manipulation. Is there any such evidence? What evidence, if any, do we have that manufactured credit events or other opportunistic trading strategies continue to present a risk to the market?
One law firm submitted a comment letter identifying different types of market activity it described as “legitimate” that “would be threatened by” Rule 9j-1.[15] I’d like to understand better how the staff would view these examples from that letter:
“An investor who holds CDS (either long or short) participating in an ad hoc restructuring group.”
“An investor who holds bonds and has bought CDS refusing to consent to a restructuring, choosing to rely on CDS protection.”
“An investor who owns bonds and has sold CDS selling bonds back to the Reference Entity.”
“An investor who has sold CDS providing rescue financing to distressed issuers.”
The release states that “misconduct that affects the payments and deliveries under one security-based swap could be prohibited by final Rule 9j-1 if that misconduct occurs in connection with effecting or attempting to effect transactions or purchasing or selling or attempting to induce the purchase or sale of any security-based swap, and not just the security-based swap that was the subject of the misconduct.”[16] Could you provide an example of what type of misconduct this might encompass?
The final rule prohibits manipulation of the price or valuation of a security-based swap. The release states that “the pricing and valuation of security-based swaps are intrinsically connected.”[17] If this is the case, why is it necessary to prohibit manipulation of valuation, given that manipulation of valuation would also almost certainly result in manipulation of price?
Although I cannot support today’s adoption of these rules, I do appreciate the effort that the staff put into reviewing the comments and taking to heart those comments in an effort to make the rule more workable. I especially appreciate the time that Carol McGee spent with me to answer my questions about the rule and Pam Carmody’s work on drafting it. I also want to acknowledge the contributions of the Office of the General Counsel.

What Hester is against:

Final Rule (136 pages):

https://www.sec.gov/rules/final/2023/34-97656.pdf

Overview of Security-Based Swaps

Security-Based Swaps Generally:

  • Although the definition of security-based swap is detailed and comprehensive, at its most basic level, a security-based swap is an agreement, contract, or transaction in which two parties agree to the exchange of payments or cash flows based upon the value of other assets or upon the occurrence or non-occurrence of some event, including, for example, a change in a stock price or the occurrence of some type of credit event.
  • The exchange of these payments or deliveries, including purchases or sales upon certain events, is a fundamental aspect or feature of a security-based swap.
    • Moreover, this feature of security-based swaps is in contrast to secondary market transactions involving equity or debt securities where the completion of a purchase or sale transaction terminates the mutual obligations of the parties.
  • Security-based swap counterparties, who are considered the issuers of the security-based swaps, continue to have obligations to one another throughout the life of the instrument, which can extend for years if not decades.
  • Parties may enter into a security-based swap for a multitude of reasons, but often, the parties to the contract seek to gain exposure to an asset without owning it or to manage or transfer risks in their asset and liability portfolios (e.g., credit or equity risks).
  • Typical participants in the security-based swap market include, among others, lenders transferring credit risk, insurance companies managing asset and liability risk specific to the insurance industry, activists or hedge funds obtaining exposure to the price movement and dividend payments of a stock without the costs and burdens of stock ownership, and financial institutions that engage in market-making and dealing in security-based swaps.
  • The terms of the contract between the counterparties determine the specific rights and obligations of the parties throughout the life of the security-based swap, including, for example, the amount and timing of periodic payments due under the instrument, the maturity of the instrument, and terms of settlement.
  • Unlike other types of securities where settlement occurs when the buyer receives the security purchased and the seller receives cash equaling the value of the security sold, for security-based swaps, a final net payment is paid by one party to the other at a future point in time to which the parties have contractually agreed.

Two common examples of security-based swaps – credit default swaps (“CDS”) and total return swaps (“TRS”)

  • Generally, a CDS is a contract in which a party (the “protection buyer”), such as a lender, agrees to make periodic payments (the “premium”) over an agreed upon time period to another party (the “protection seller”) in exchange for a payment from the protection seller in the event of default by an issuer (or group of issuers) of securities (the “reference entity”).
  • The CDS contract states whether the CDS is settled physically or in cash in the event of default by the reference entity. Generally, the protection buyer is using the CDS to manage risk and the protection seller is using the CDS to take on risk in return for a premium. A cash-settled CDS contract relying on ISDA documentation is subject to determinations by a committee with respect to whether a defined default event (a “credit event”) has occurred and, if so, to hold an auction to determine the settlement price of the CDS.
    • The auction process includes the determination and publication of a list of deliverable obligations that a CDS protection buyer can deliver to the CDS protection seller after the auction settlement.
    • A CDS protection buyer can deliver any of the obligations on the list, with delivery of the cheapest deliverable obligation maximizing recovery.
    • This feature of CDS contracts is an aspect of some of the manufactured or opportunistic strategies discussed in section I.B.2.
  • A TRS may obligate one of the parties (i.e., the total return payer) to transfer the total economic performance (e.g., income from interest and fees, gains or losses from market movements, and credit losses) of a reference asset (e.g., a debt or equity security) (the “reference underlying”), in exchange for a specified or fixed or floating cash flow (including payments for any principal losses on the reference asset) from the other party (i.e., the total return receiver).
  • If the TRS is negotiated over-the-counter, the terms of the TRS can be individually negotiated and could include one payment at the expiration of the TRS or might include a series of payments on periodic interim settlement dates over the tenor of the TRS.
    • For TRS with periodic interim settlement dates counterparties could agree to reset the price of the reference underlying on the periodic interim settlement date based on current market prices of the reference underlying (“reference price”).
    • Accordingly, throughout the life of a TRS, depending on the terms of the TRS, the reference price that determines that payment on periodic interim settlement dates might be reset based on current market prices of the reference underlying
Security-Based Swap Market Developments
  • In 2010, following the 2008 financial crisis, Congress enacted the Dodd-Frank Act “to promote the financial stability of the United States by improving accountability and transparency in the financial system.”
  • Title VII of the Dodd-Frank Act addressed significant issues and risks in the swap and security-based swap markets, which had experienced dramatic growth leading up to the 2008 financial crisis and were shown to be capable of affecting significant sectors of the U.S. economy.
  • In testimony before Congress introducing the first draft of the Dodd-Frank Act, Treasury Secretary Timothy Geithner highlighted the risks posed by an unregulated OTC derivatives market, which had been operating without the “basic protections and oversight” existing in the rest of the financial systems, including a “limited ability to police fraud and manipulation.”
  • In his written testimony, Secretary Geithner listed four broad objectives of the proposed reforms which were eventually enacted as Title VII of the Dodd-Frank Act:
  1. Preventing activities in the OTC derivatives markets from posing risk to the stability of the financial system;
  2. Promoting efficiency and transparency of the OTC derivatives markets;
  3. Preventing market manipulation, fraud, and other abuses; and
  4. Protecting consumers and investors by ensuring that OTC derivatives are not marketed inappropriately to unsophisticated parties.
  • The security-based swap market remains large. Based on information reported pursuant to 17 CFR 242.900 to 242.909 (“Regulation SBSR”), as of November 25, 2022, the gross notional amount outstanding in the security-based swap market is approximately $8.5 trillion across the credit, equity, and interest rate asset classes.
    • The credit security-based swap asset class is large, with a gross notional amount of approximately $4.7 trillion, of which single-name CDS (including corporate and sovereign) account for the largest category at $4.3 trillion.
    • Additionally, as indicated by data submitted pursuant to Regulation SBSR, the size of the equity security-based swap market is also significant – with approximately $3.6 trillion of equity security-based swaps outstanding as of November 25, 2022.

'The trouble'

  • In general, the ongoing payments of a security-based swap depend, in part, on its gross notional amount outstanding.
  • The particular aspects and characteristics of security-based swaps (described above in section I.B.1) provide opportunities and incentives for misconduct.
  • In general, parties to a security-based swap may engage in misconduct in connection with the security-based swap (including in the reference underlying of such security-based swap) to trigger, avoid, or affect the value of ongoing payments or deliveries.
    • For instance, a party faced with significant risk exposure may engage or attempt to engage in manipulative or deceptive conduct that increases or decreases the value of payments or cash flow under a security-based swap relative to the value of the reference underlying, including the price or value of a deliverable obligation under a security-based swap.
  • Moreover, fraud and manipulation in connection with a security-based swap can affect not just a direct counterparty, but also counterparties to that counterparty.
    • For example, if fraud or manipulation leads to a large change in variation margin, the defrauded counterparty could default on its obligations to its other counterparties. In addition, other counterparties to the same security-based swaps could be affected by fraud or manipulation that affects the reference underlying assets, as could investors in those underlying assets.
  • Given the global and interconnected nature of the security-based swap markets, it is critical that the Commission has appropriate tools to fight fraud and manipulation in these markets.
  • Recent developments in the security-based swap market highlight these concerns.
    • For example, in the 2021 Proposing Release, the Commission discussed certain manufactured or other opportunistic CDS strategies that had been reported by academics and the press:
      • A CDS buyer working with a reference entity to create an artificial, technical, or temporary failure-to-pay credit event in order to trigger a payment on a CDS to the buyer (and to the detriment of the CDS seller).
      • Alone or in combination with the above or other strategies, causing the reference entity to issue a below-market debt instrument in order to artificially increase the auction settlement price for the CDS (i.e., by creating a new “cheapest to deliver” deliverable obligation).
      • CDS buyers endeavoring to influence the timing of a credit event in order to ensure a payment (upon the triggering of the CDS) before expiration of a CDS, or a CDS seller taking similar actions to avoid the obligation to pay by ensuring a credit event occurs after the expiration of the CDS, or taking actions to limit or expand the number and/or kind of deliverable obligations in order to impact the recovery rate.
      • CDS sellers offering financing to restructure a reference entity in such a way that “orphans” the CDS – eliminating or reducing the likelihood of a credit event by moving the debts off the balance sheets of the reference entity and onto the balance sheets of a subsidiary or an affiliate that is not referenced by the CDS.
      • Taking actions, including as part of a larger restructuring, to increase (or decrease) the supply of deliverable obligations by, for example, adding (or removing) a co-borrower to existing debt of a reference entity, thereby increasing (or decreasing) the likelihood of a credit event and the cost of CDS.
  • Taking into consideration all of the above, Rule 9j-1 will be an important additional tool to augment the Commission’s oversight of the security-based swap markets including, but not limited to, the markets for CDS and TRS.

Overview of the Final Rules:

Rule 9j-1

  • Final Rule 9j-1 includes prohibitions on categories of misconduct prohibited by section 10(b) of the Exchange Act, and Rule 10b-5 thereunder, and section 17(a) of the Securities Act, when effecting any transaction in, or attempting to effect any transaction in, any security-based swap, or when purchasing or selling, or inducing or attempting to induce the purchase or sale of, any security-based swap (including but not limited to, in whole or in part, the execution, termination (prior to its scheduled maturity date), assignment, exchange, or similar transfer or conveyance of, or extinguishing of any rights or obligations under, any security based-swap).
  • The final rule also includes a provision prohibiting the manipulation or attempted manipulation of the price or valuation of any security-based swap, including any payment or delivery related thereto.
    • This provision has been moved to paragraph (a)(6) of Rule 9j-1 (from paragraph (b) as proposed) to clarify that these provisions apply to conduct that is undertaken in connection with directly or indirectly effecting, or attempting to effect, any transaction in any security-based swap, or purchasing or selling, or inducing or attempting to induce the purchase or sale of, any security-based swap.
  • Final Rule 9j-1 provides that:
  1. A person with material nonpublic information about a security cannot avoid liability under the securities laws by communicating about or making purchases or sales in the security-based swap (as opposed to communicating about or purchasing or selling the underlying security)
  2. A person cannot avoid liability under section 9(j) or Rule 9j-1 in connection with a fraudulent scheme involving a security-based swap by instead making purchases or sales in the underlying security (as opposed to purchases or sales in the security-based swap).
https://preview.redd.it/guzs4cyuwn4b1.png?width=826&format=png&auto=webp&s=d55104e51db1f955fb3520cb652663faa1f8e898

Rule 15fh-4(c)

The Commission also is adopting a rule aimed at protecting the independence and objectivity of an SBS Entity’s CCO by preventing the personnel of an SBS Entity from taking actions to coerce, mislead, or otherwise interfere with the CCO. The Commission recognizes that SBS Entities dominate the security-based swap market and also recognizes the important role that CCOs of SBS Entities play in ensuring compliance by SBS Entities and their personnel with the Federal securities laws. As a result, the Commission is adopting Rule 15fh-4(c), which makes it unlawful for any officer, director, supervised person, or employee of an SBS Entity, or any person acting under such person’s direction, to directly or indirectly take any action to coerce, manipulate, mislead, or fraudulently influence the SBS Entity’s CCO in the performance of their duties under the Federal securities laws or the rules and regulations thereunder.

Fact Sheet:

https://preview.redd.it/dkubyk9ywn4b1.png?width=966&format=png&auto=webp&s=634948d848a6277ed7247d7803a5a63d2b866972
https://preview.redd.it/5r40tixywn4b1.png?width=943&format=png&auto=webp&s=1757b80d2890e4460c1e4adfe1d3e5f25c4599d6

Press Release:

The Securities and Exchange Commission today adopted rules to prevent fraud, manipulation, and deception in connection with security-based swap transactions and to prevent undue influence over the chief compliance officer (CCO) of security-based swap dealers and major security-based swap participants (SBS Entities). “Any misconduct in the security-based swaps market not only harms direct counterparties but also can affect reference entities and investors in those reference entities,” said SEC Chair Gary Gensler. “Given these markets’ size, scale, and importance, it is critical that the Commission protect investors and market integrity through helping prevent fraud, manipulation, and deception relating to security-based swaps. Today’s set of rules will do just that.”The antifraud and anti-manipulation rule adopted today is designed to prevent misconduct in connection with effecting any transaction in, or attempting to effect any transaction in, or purchasing or selling, or inducing or attempting to induce the purchase or sale of, any security-based swap. The rule takes into account the features fundamental to a security-based swap and will aid the Commission in its pursuit of actions that directly target misconduct that reaches security-based swaps.The Commission also adopted a rule to protect the independence and objectivity of the CCO of a security-based swap dealer or major security-based swap participant.The adopting release will be published in the Federal Register. The final rules will become effective 60 days after the date of publication of the adopting release in the Federal Register.

TLDRS:

  • Hester cannot support.
  • A security-based swap is an agreement where two parties exchange payments or cash flows based on the value of assets or events, continuing to have obligations to each other for the life of the contract.
    • Typical participants include lenders, insurance companies, hedge funds, and financial institutions.
  • The specifics of the swap, such as periodic payments and settlement terms, are determined by the contract between the counterparties.
  • The two common examples of security-based swaps are Credit Default Swaps (CDS) and Total Return Swaps (TRS).
    • A CDS involves a protection buyer making periodic payments to a protection seller in exchange for a payment in case of default by the reference entity.
    • A TRS transfers the total economic performance of a reference asset in exchange for a cash flow.
  • As of November 2022, the gross notional amount outstanding in the security-based swap market was approximately $8.5 trillion.
    • The credit security-based swap asset class accounted for $4.7 trillion, while equity security-based swaps accounted for around $3.6 trillion.
  • Misconduct may occur in security-based swaps to trigger, avoid, or affect the value of ongoing payments.
    • This includes manipulative or deceptive conduct that alters the value of payments under a security-based swap relative to the value of the reference underlying swap.
  • Rule 9j-1 is introduced as an additional tool for overseeing the security-based swap markets, including the markets for CDS and TRS.
    • This rule includes prohibitions on misconduct and manipulation in connection with security-based swaps.
    • In addition, Rule 15fh-4(c) is adopted to protect the independence and objectivity of a Swap Brokerage Security Entity's Chief Compliance Officer.
https://preview.redd.it/mikc5pyiwn4b1.png?width=610&format=png&auto=webp&s=d7e9f1ec5e1bb791f93a46207a911ae6c30a3e68
submitted by Dismal-Jellyfish to Superstonk [link] [comments]


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2023.06.07 23:14 Walknshan What’s causing these smears and shapes

What’s causing these smears and shapes
Ok I desperately need help. I’m asking for people to ask people they know if anyone can tell me what this plague I’m dealing with is. We had been battling a clothing/carpet moth infestation at old place for months. Did spraying, fogging, etc - nothing was working.
Just after the fogging of whole house - began noticing sticky-ish white dust-like shapes smeared on things. Plastics, wood, tile, sheets - pretty much everything. Two distinct shapes - either a smear or these odd shaped blobs. Things they’ve gotten into like creams, food or makeup they often have a sharp curve at the top. I have taken tons of video and pics. Very hard to get rid of the smears. Tried chlorox, goo gone, windex, soapy water, with vinegar, with ammonia. Had been protecting our clothes from moths by putting them in individual 1-2 gallon bags - most bags now have the sticky white stuff smeared so throwing those out.
We moved and it’s come with us. It’s not moths. It even changes the chemical makeup of food that’s only been in house few hours. Causes dust like fibers on cat food bowl or food we’ve eaten. My face creams which were closed and in ziplock bags - got affected. The white dust like stuff got into closed and ziplock sealed bottle of face oil. It’s on my phone and some days is almost crystallized. If food gets on my sheets - it becomes that color with the shape.
We do not own a humidifier. (I read they can sometimes cause a similar thing.). The house we lived in did have this odd black stuff that wasn’t technically black mold. And we were 7 min drive to beach.
But now we have moved. New beds. New furniture for most part bc I didn’t want to bring anything with us. Now it’s on a curtain that has been in the house 3 days.
It’s freaking me out. I have tossed so many things out because of it. With my compromised immune system I’m deeply concerned about what this is. It was one thing to have the shapes of it in food from old house but it was in something I bought yesterday and ate 5 hours later - though I was scared to eat it.
If anyone has any idea or knows someone who might be able to help me I would be so grateful.
Someone suggested lint worms which makes sense for some of the shapes and stuff on bedding but not the white smears of stuff on everything else.
submitted by Walknshan to Whatisthis [link] [comments]


2023.06.07 23:06 TheWorldMakesScents 1,000 Sales Today!!

Our Story:
My wife is originally from a small village in Cambodia near a mountain. At the top of the mountain is buddhist temple (Pagoda). Near that pagoda my wife learned to make incense. There are old ladies who make incense for the pagoda and that's how she learned.
Flash forward to the USA and she moved here with me in early 2020.. and she was making the incense during the pandemic. Just as something to keep herself busy for fun.
I thought it was so different and unique. Like, no perfume smells or stuff that is too strong / irritating my eyes and lungs. None of that. It just smelled natural and good.
She wanted to try American incense so I ordered a bunch of it and we agreed, the boxes it comes in are very pretty and unique but it all smells like... fake.. I don't know how to explain but most of it just smells like perfume or like chemicals. There were a few good ones.. mostly from Japan that smelled good.
I always told her she could do well if she sells online. But when her family struggled financially due to the pandemic... she decided to take my word for it and sell her natural hand made incense.
So, to raise extra funds to send to her family (along with money from my full time job, of course) she started the incense business. I do all the computer stuff. Setup the website... design the labels in Microsoft Publisher and such.
I think you have to have a niche. What makes this incense different than all of the other incense is that it contains no oil, chemicals, dyes, mold inhibitors, charcoal, wood waste, fillers, or other B.S.
I always say, she does for incense what farmers markets or the amish do for food. It's great for those who enjoy incense but it's even great for those who hate incense. For those who say incense makes their eyes water, itchy throat, coughing, and headaches because those are all natural reactions your body has to all those chemicals.
Here is her shop and we are happy to answer questions!
https://theworldmakesscents.etsy.com/
Advice:
  1. Don't give up. We started very slow until last October and then it built up over time. Once you get "fans" of your products, you can see they will buy your stuff every couple of months. Take note of those customers who are your regulars. When we released a new type of incense, we sent those customers a sample for free. They really love that!! Cost us $5 for each sample if you include shipping but it was worth it!!
  2. Write (with a pen) a personal thank you to each of your customers. Showing gratitude and spending 20 seconds on a customer can really help you connect with those people who want to connect with you.
  3. The more products you have, the more you are going to sell. When we had only 2-3 incense cones to choose from.. we got few sales and each sale was like.. 1 box of incense. Once we had 10 different types of incense you can buy from us.. we got bigger sales and more often. Variety and offering free shipping when they spend $35 is huge.
  4. Be ready to eat some costs. I had a customer buy $5 of sandalwood powder from me. She told me it was lost in the mail Of course, that's not my fault. But i sent her a new bag of sandalwood powder for free. She ended up giving me a shout out on her Instagram and now she is a regular customer who gives me 5-star reviews. Don't be greedy and especially in the beginning... you should be ready to lose a little money on a few sales. That's the price of doing good business.
  5. Packaging counts. We started by printing really generic labels on little boxes. Not very exciting or fun to look at. But, when we took things seriously in October and designed labels.. man we really saw the sales go up. It's not just what you sell, it's how you present it!
  6. Use Chat GPT to help re-write your product descriptions.
  7. If you can, offer same day or next day shipping. I swear 1/4 of my 5-star reviews are about fast shipping. People really appreciate that if you can do it. Nobody wants to wait any more, sadly. Amazon and the like have set that bar higher.
submitted by TheWorldMakesScents to Etsy [link] [comments]


2023.06.07 23:04 Streetvan1980 How long will grass seed stay good that hasn’t germinated yet?

I planted grass seed in a spot that I removed a fireplace in a house I moved into. I live in upstate NY and we haven’t had rain in like 7 weeks. Crazy right now the smoke we have.
Anyways. So I have been watering it. I saw some places say up to 2x a day. I watered it right away after laying down (course I turned over the soil first), but then I didn’t water for a few days. But have daily for a good week.
Is the seed dead from even 48-72 hours of no water when it’s super dry out? Seems like it should of started to germinate by now.
Hope I don’t have to till the soil and start all over again. I’m horrible at growing anything. Not sure how anything grows in nature by itself! Like this property has maple trees growing like weeds! I never knew that was a thing.
submitted by Streetvan1980 to lawncare [link] [comments]


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2023.06.07 22:59 Mother_Orchid_1109 [Us to Us] [Sell] [perfume] Alkemia, AlphaMusk, Arcana Craves, Death + Floral, new Hex, MORARI, Sorcellerie apothecary, Sucreabeille, Sugar + Spite, and Whisper Sisters.

Heeeyya fellow queerios, (+ non lgbtq+ beans.) 🏳️‍🌈🏳️‍⚧️ happy pride month! I hope you get to be authentically you now, and in the future. And if you currently are not able to for whatever reason, remember, a small minded person can only wade in shallow, + murky waters. (Did that make any make sense? Prob not.) Anyhow, welcome to my lil’ destash. Hope some of these perfumes will fly away to new homes, where they can be properly loved. 🦋
usual deets: perfumes stored in a dark, wooden chest, pet friendly, smoke free home, i often re-use packaging —- let me know if it’s a problem though, and ship within a week. shipping is $5 for 3 or less full sizes, but may cost more if you exceed that. $4 minimum please. Assume all are oils, unless otherwise noted.
FS’
Mocha-Chocolata-YaYa(label damaged / peeling in a few spots) [A mochalicious blend of fresh cream, Cold brewed Arabian coffee, and fine Belgian milk chocolate.] ($8 ~80-85%)
Vanilla Craves 90’s Malls [The scent of rebellious young punks and toothachingly sweet innocence. Bright fluorescent lights, glossy watermelon-flavored lip gloss, a ziplock baggie of fresh, green bud, and sticky vanilla-laced marshmallow treats.] ($16- mostly full.)
Bless Your Heart Honey [Dark vanilla cream bourbon, honey’d mint leaves, sugare’d oranges and sweet southern blessings.] (open neck square bottle - $7), * - The Secret Lives of Wives And Widows: [A dark and mysterious blend of Arabian sandalwood, luscious vanilla, orchids and southern night air; white tea in a fine cup of china held by a figure with long painted nails.] -5 ml RB - $10)
Smaller sizes / samples
Fae Fragrance (formerly known as Pylies)
HEXENNACHT:
MORARI
Sorcellerie Apothecary
Cake for Breakfast 6ml rollerball): Birthday cake, ripe mango, pineapple, coffee, maple syrup, and a hint of cardamom. $17
Sugar + Spite
-Athena (dram 3.5? - label quite stained and a little torn): Dark vanilla, patchouli, pepper, ivy, sea spray. ~65% full $3.50
Compass Rose* [The ocean on a stormy morning; crisp white sails floating in the breeze, anchored to a mossy, kelp-strewn ship; pipe tobacco; bay rum; a perfect red rose and a lingering touch of vanilla. The perfect balance of refreshing, oceanic notes fading into crisp, light, slightly feminine notes.] (~3.7 dram? mostly full - $6)
Weebus Warbus (can’t find notes, but this is an adultish blue cotton candy raspberry scent - about 2ml/5ml - $3, RIS, oil)
Venus: label came off, about 3/5 ml spiral glass rollerball bottle. Can’t find notes, but it is definitely orange blossom, and if I’m not mistaken, I recall a frankincense note, which I get gently underlying, what is otherwise very orange blossom-y. ~60% full $3
Desmondontinae can’t find notes, but I believe I remember a black musk note, and a cola note that almost reads like clove, dry down is almost like a cola meets clove, meets motor oil, but make it slightly sweet - still a quite unique, dark, deep, + sort of warm scent. (about 2.5-3ml/5 ml take as a freebie, upon request with any $8 purchase or more. Label is damaged and unreadable.) RIS, Oil
Once again, thank you for looking! =‘ )
submitted by Mother_Orchid_1109 to IndieExchange [link] [comments]


2023.06.07 22:58 No-Falcon-3340 Anybody passport is at locator 14 I applied 4/25 and they received is 4/28 and I got expedited shipping and my application is still in process

Anybody passport is at locator 14 I applied 4/25 and they received is 4/28 and I got expedited shipping and my application is still in process submitted by No-Falcon-3340 to Passports [link] [comments]


2023.06.07 22:53 polarttarius [SELL][US] Dr Dennis Gross, La Mer, Holika Holika, Well People, Tatcha, Beekman 1802 & More!

verificationVenmo, Paypal F&F, G&S (+4% fee). Shipping $4+, no minimum. Shipped in 2 business days. Drug, pet, covid free. Packed securely in recycled bubble mailer and/or recycled box with bubble wraps/packing peanuts.







Thanks for looking! 💕
submitted by polarttarius to skincareexchange [link] [comments]


2023.06.07 22:50 AlphonseCoco Art of War: War Trophies (Story 1, Part 1)

Hey guys, this isn't my first post here, or even my first attempt at a serial, I'm just incredibly bad at follow-through and put the pro in procrastination. That being said: Enjoy!! I will try and put these out in a reasonably amount of time. Also, sadly this first part won't have any humans directly, as I became...verbose. Subsequent parts shall.
First: some long-winded background. I am not an artist or engineer, so I will do my best but really work that suspension of disbelief.
They say any sufficiently advanced technology is indistinguishable from magic. If that is the case, then the races that made up the TransGalactic Federation were archmagi of legend. These races created monuments of inconceivable power and presence, capable of quelling all newcomers to the stage, or those with hostile intent. However, magic has a far greater property than mere power: flair. Magic is loud, bold and unafraid, yet it can also be subtle and unassuming, refined. The greatest engineers and technicians, eventually hybridizing into the current artnician, collaborated with the artisans of the age to create not just architectural masterpieces, but space stations of indescribable beauty and function. Even their objects of more utilitarian functions were made beautiful.
One would think such cultures would be beyond conflict, having embraced so delicate and refined a focus as aesthetic. However, that is not the case, as heated debates regarding artistic talent, originality, medium, presentation, any number of hot topics in the academia of artistry, became very real, very serious reasons for hostile actions. Wars broke out across the Federation, battles fought over resources not for survival, but for art. Ideologies, once minor, began to take hold over vast swathes of the population. Some were logical: radicalized cultures that sought to eliminate anything did not originate from them, or that deviated from their accepted beliefs, and the forces that developed in kind to combat them. Others were decidedly unexpected: the once-accepting, pacifistic race known as the Borthians soon became known as The Scour and began systematically genociding any culture whose artistic style was other than naturalism, artistic expression bereft of a civilized touch beyond trailblazers and colonizers or the remains of society overtaken by nature. The dreaded Gl’trills, who were almost deemed inhospitable to life and exterminated, favored a <ERROR: comparable word does not exist; inputting acceptable alternative> neoclassic style with virtually no external influences on style or subject outside their race and led the first League of Acceptance, standing their grounds and ultimately dooming their race to protect the cultures of others from erasure. Bastions of cultural excellence, examples of art and literature throughout the history of countless member races, including more than a few who were rendered extinct through ennui, disease, or time, were razed, while others were plundered for greed or safety.
This conflict has been raging for millenia, with cultures rising and falling, sides changing as do the cultural views and tastes. Genetic modification, now viewed as much an art as war, has been used to tailor various races to select or varied purposes. Beauty is both subjective and objective, as function is its own form of beauty. Art and war have gone hand in hand for generations, with some races using literal battlefields as their canvas, and the dead as their medium. It was onto one such scene that humanity first stumbled into the collective knowledge of The Culture Wars. This ugly, unmodified, plain alien race, with its crude, inefficient ships sought to join the battle against the Scourge and other, similarly minded threats. Function may be beautiful, but even the most magnanimous of artists cannot turn a blind eye to such an eyesore. As such, humanity was allowed onto the stage, but was met with scorn only the most arrogant of professionals can show to a novice who does not know their place. Humanity is young, it is technologically inferior, it is weak. It will have to claw its way to survival among the lesser races of the universe.
But Humanity has a secret its fickle allies and rabid enemies have overlooked. A mastery that has been ingrained in Humanity since its earliest common ancestors fought for resources, for survival. A talent it has nurtured, for good or ill, an art style that the other races has couched in flowery prose, stunning calligraphy, and ultimately pointless beauty:
The Art of War
Dramatis Personae:
Skrik’rika: Triu’quoll anatochanic, TransGalactic Federation (League of Acceptance), Logistics
Tuvix: Trolk Sculptech, local League of Acceptance, drafted civilian
For convenience and efficiency, units have been translated and converted to the viewer’s preference.
Interesting fact: the plural of opus is an opera! Which actually makes sense.
Local system: Trolk’a
“Move your asses! League pieces are incoming, they report heavy damage!” Skrik’rika’s head started pounding, and he groaned as he forced himself out of his nook. Fitting his visor over his ears, the Triu’quoll pulled on his jumpsuit and heavy boots, checking the onboard chronometer and sighing at the lost sleep. Downtime was uniform among League forces and dependent on the local solar day length and proximity to the nearest front, which meant he was currently limited to 1 12.5% rotation (4.5-hour) “free” shift per as he was currently crewing a forward operating repair depot. Said shift was on a fixed schedule, which meant unless the incoming opera were in immaculate condition, he’d be looking at less than 2 hours of sleep for the next…
Skrik jerked awake as something sharp and painful jabbed him in the bicep. He lurched away, swiping a nearby sensor probe and brandishing it at his attacker. Tuvix, one of the tusked locals 4-armed and his shift partner, tossed away the now empty stim ampule and grinned.
“Feeling better?”
Skrik scoffed, rubbing his throbbing shoulder but clear-headed and alert once more, and followed Tuvix to the repair bays module. “Any idea what we’re dealing with?” Tuvix’s 2 left hands pointed in opposite directions, indicating some ambiguity in any answer he could provide. By the time they arrived, Skrik started to understand just how screwed they were.
Sitting in their bay was one of the few remaining Gl’trillian gladiatorial suits. According to his suit’s telemetry feed from the allied opus, it was known as Honor of the Patient Stroke. Massive for a solo-pilot suit, the Honor measured 18m base height, with various weaponry and accoutrement increasing its bulk further. The only reason it fit in the repair bay that was 15 meters max on any side was due to its missing lower half and left arm. The on-site corpsman was already tending to the unresponsive pilot, neural links spidering back into the cockpit. Skrik could smell ozone and judging by the charring presented on the cables, he doubted the noble reptilianoid would wake up, much less return to combat. However, Gl’trillian rites dictated any remains be returned posthaste, and all wounded be rescued immediately. A dying race could afford no luxuries in holding off extinction, and every member had to contribute, even if it was genetic material to stave off annihilation.
Skrik and the rest of the double shifts waited for the pilot and medic to board the rescue craft for evac, before they started working. In addition to the Honor, several other mechs had limped, bobbed, or been dragged to their FORD. These pilots were still able and willing, save an avian Kuri whose broken body had been somberly removed and set aside, and were merely waiting for their opus to be repaired or replaced.
Over the next 6 hours, Skrik and Tuvix worked on disassembling the least grievously damaged constructs, diagnosing and repairing internal damages, and replacing armored components. As an anatochanic, Skrik’s responsibilities overlapped with other fields, which was also why he worked closely with Tuvix. Anatochanics were those who had an affinity for understanding and replicating the feats of flesh and blood in alloy and <translation error: engine/hydraulic oil/fuel/coolant/lubricant/plasma; UPDATE: new terminology determined; ORIGIN: Sanskrit> Pādodaka, and they were responsible for the the synthetic muscles, tendons and ligaments, and the hardpoints where these components were integrated to the endoskeleton. Some anatochanics even had an aptitude for running neural cables, the incredibly delicate and sensitive filaments that would be run throughout the synth muscles, connecting the pilot mind and body to their steed. Skrik could proudly claim to be one of these, although he was still too inexperienced to be trusted running the synthetic equivalents of the PNS and CNS without oversight.
Tuvix was a sculptech, which were often looked down upon by other artnicians within their field. Sculptechs were responsible for forming and fitting armor plates, the skin as it were, to opera. The skill needed to fabricate and fit bespoke armor plates to non-standard constructs could not be dismissed, but skills that did not require finesse, color selection, harmonic interactions were seen as lesser, “lazy” arts. Skrik would admit that there were other artnicians and tasks that were by far more finicky and beautiful than armor plating, but anyone with eyes could see the skill and passion Tuvix possessed. He could match alloy ratios almost by sight, allowing for quicker smelting or forging while an analysis would verify his work, or when given permission by pilots, providing improvements for the armor plates, be they reduced weight, better defenses, or even improving a opus’s range of motion and balance by reshaping plates and still maintaining the original aesthetic.
Tuvix went beyond these abilities, having skill in etching and neural linking. His unique combination of talents allowed Tuvix to continue the intricate designs prevalent on most opera without interruption on new plates and ensuring that pilots could actually feel and interact with their environments and foes by running external sensor feeds through the engravings. More than one warrior had been saved by these neural links informing them of dangerous temperatures, a change in terrain or balance, and even incoming attacks by sensing increases in ambient electrical charges or sensations of wind from an incoming blow.
They had just finished repairs on the remaining opus, the pilot gingerly reconnecting their neural links and running diagnostics, when the defense sensors went off.
submitted by AlphonseCoco to HFY [link] [comments]


2023.06.07 22:47 swingbabybatter My 2 year old took my daughters Quillavent XR.

Posting from my throwaway for obvious reasons.
I am horrified. We got up this morning, made breakfast, did our routine. I had my daughter come in the kitchen after breakfast per usual to take her 5mg of liquid (5mg/ml) Quillavent XR. She’s been on this med for a minute now and we always have the same routine with it.
I thought today was no different so as she was taking her meds, I walked into the attached bathroom. As I turned my back, I guess she walked back into her room then back into the kitchen.
She then comes to me and says “Hey mom, guess what I did to help my brother listen better today!”
So long story short - we reviewed the syringe together and she pointed how much he had taken. (Roughly 0.5ml) Called Peds / Poison Control. PC said it was not near enough to be considered “harmful” but that he definitely may experience side effects.
It’s been 6-7 hours so far. He is making sucking movements with his mouth nonstop, random weird meltdowns and has been talking gibberish (usual) for the past 3 hour straight. I don’t know that he’s even take a breath. Definitely no nap.
I just feel like the worlds worst mom. My medications and theirs are always kept up, sealed and away. My 6 year old takes her meds with no issue, standing in the kitchen, every DAY. I turn my back one single time and suddenly my 2 year old is cracked out.
Today has been one chronic panic attack.
submitted by swingbabybatter to breakingmom [link] [comments]


2023.06.07 22:38 61ex6 im concerned about my cats eating habits

this is gonna be kinda long but if you actually stick around to reading it Thank you so much 😭
i have a kitten that is about 1-2 months old and then a 4 year old. When I adopted my kitten he was about 4 weeks old and at the time, I was feeding him very soft wet food. As he got older I started transitioning to more firmer foods like pate, shreds, minced etc. I did a lot of research and decided that I wanted to feed him a slightly more raw diet for health reasons and I wanted to feed him foods that biologically made sense for an obligatory carnivore animal, so at about 6-7 weeks old, I started incorporating some freeze dried raw pellets(not sure exactly what it’s called) into his wet food, as well as freeze dried organ meat and some minnows. I also incorporated about a couple drops of salmon oil as I found that salmon oil was a good omega for cats and helped with digestion and coat/skin health, I would give him some probiotic treats once a day as well and I never had any issues with his eating habits regarding that diet. He loved it and would always finish his entire plate. I feed him 3 times a day: breakfast, lunch, and dinner. Dinner is the one meal where I would actually add the dried organs and oils and toppers. Breakfast and lunch were more simple, just some wet food, a topper and maybe a 2-3 pieces of organ meat. I always had hydration as well because I learned cats got 80% of their hydration from food. Again, I NEVER had issues with him eating and was glad everything was going well.
As for my other cat, the 4 year old…it’s a different story. He is primarily my boyfriends cat and he owned him long before we met so that cat was on a strictly dry kibble diet. He never ate anything else. When I started transitioning my kitten to a more raw diet, I wanted to try and do the same for him because I wanted him to get the benefits from the diet and I know how bad kibble is for cats. I understood that it would be harder to transition him to a wet food/ raw diet because all he ever ate was dry food, but I gave him some wet food slowly and he seemed to like it a lot so I took that as a good sign and started eliminating dry food completely and only giving him wet food. For a while it was just a can of wet food and eventually, after I felt he was doing good with it, I started to add some dried organ meat and some freeze dried pellets as well as the salmon oil. At first he didn’t really like it but I figured that was normal so I gave it some time and eventually he would eat all his food and again, for a while I had no issues with him eating. I learned that he didn’t like the salmon oil so I would only put about 1-2 drops, he also didn’t like minnows or the organ meat so i would just cut the organ meat up and mix it in the wet food and he never noticed. So I made sure that his food was something he would enjoy or at the very least eat.
However now im having issues and I don’t know what to do. As of a couple days ago, I noticed that my kitten wasn’t really eating anymore. I served him his lunch which was prepared normally and he ate about a quarter of it and left the rest. I thought it was odd since he always ate all of food the moment I gave it to him but I didn’t think too much of it and figured he just wasn’t too hungry. Dinner time roles around and I notice he still hasn’t touched his food and that’s when I was definitely weirded out because it was very out of character. Again… he always eats his food. I figured maybe it was stale or dry so I added some water to it, mixed it up and he still wouldn’t eat it. He would just sniff and walk away. He’s a kitten so naturally he’s playing about 24/7 and is always running around so I just thought whatever he will eventually have to eat his food. I woke up the next morning and his bowl was still full. At this point I couldn’t leave him to starve so i prepared him another bowl of new food and he basically inhaled it. I was confused because his lunch the previous day was the same as his breakfast so I couldn’t understand why he didn’t want to eat it but I had to go to work so I left and came back in the afternoon and fed him his lunch which he ate entirely. Dinner time rolls around and it happens again. He picks at it, eats about a quarter and doesn’t touch it for the whole night. At this point im frustrated and concerned because this has never happened before and I can’t just let him starve. I tried to put some treats in the food to maybe entice him to eat it which kinda worked but he still wouldn’t eat all of it, and come the next morning, his bowl was still full. At this point I’m concerned and don’t understand why he isn’t finishing his food. Is this just a kitten thing, does he not like the food anymore, is this just some phase??
Of course I am now having problems with my other cat as well. Basically the same thing. He seems to now be protesting the wet food. I tried to give him his breakfast and he sniffed it and walked away. I come back in the afternoon and it’s all still there, not one bit of it did he eat, he was crying and crying while I was in the kitchen which means he wanted food so out of frustration I gave him dry food to see if he would eat that and he inhaled it. I wanted to add at least some sort of benefit to it so I added freeze dried pellets which he didn’t mind and ate all of. The next morning, I gave him dry food with pellets and he ate only the pellets and left the dry food, and then came back to me screaming and crying.
It’s also worth mentioning that if I put both cats bowls together in the same room, my older cat will try and ate the younger cats food and my younger cat will try and eat my older cats food. Even if it’s the exact same thing too.
I don’t understand and I’m just frustrated because I can’t let them starve but I don’t know what to feed them or how to feed them anymore. Does anyone have any advice or has anyone ever experienced this with their own animals? Is it something i’m doing wrong? Any advice is appreciated, please don’t be mean LOL I’m just trying to do the best for my cats and keep them healthy.
submitted by 61ex6 to vet [link] [comments]


2023.06.07 22:32 Gaarawarr Gaarawarr's Guide to Dragondown - Year 6

Last Updated: Initial Post
 

Table of Contents

  1. Event Introduction
  2. General Game Tips
  3. General Event Information
  4. Event Champion Information
  5. Event Adventure Information
 

Dragondown - Year 6

Summer Solstice celebrations in Faerûn sometimes feature ceremonial bonfires and charms that attempt to 'tame' or 'drive down' dragons. These mock-spells and chanted prayers are performed even by non-clergy, as the sun sets after dusk. Unfortunately, it looks like these rituals are not working this year: somehow the village of Luskan has drawn the ire of a bronze dragon and its kin...
Dragondown lasts for 12 days and runs from Wednesday, June 7th, 2023, at Noon, Pacifically, thru Monday, June 19th, 2023, at Noon, Pacifically.
You can find this year's official Dragondown blog post here.
Gaar's Note: Dragondown is the 13th event (13 out of 17) in the Idle Champions Event Calendar.
 

General Game Tips

I highly recommend reading my Guide to Event Planning for basic progression information and ways to maximize your gains/efficiency during Events. There is too much information to put here as this specific Event guide is long enough already.
 
Don't be afraid to ask questions in the comment section! Also, I stream the game and welcome any and all questions there as well!
You can find all of my 130+ Idle Champions guides here.
Good luck & have fun!
~Gaar
If you'd like to support the creation of guides like this one and you play on the Epic Games Store, you can use the code below when making a purchase of any kind.
Epic Games Creator Code: GAARAWARR
In connection with Epic Games’ Support-A-Creator Program, I may receive a commission from certain in-game purchases when you use my Creator Code when making a purchase.
If you play on other platforms and wish to support guides like this one, you can follow me on Twitter and Twitch, as well as subscribing to my Twitch if you can. You can also rate my guide collection on Steam to ensure new players see it.
Thanks!

General Event Information

  • Unlike regular missions, Event missions cost Event Tokens to attempt. You won't be able to start the Event missions until you have enough Tokens to pay for one.
  • You earn Event Tokens at a fixed rate and in any campaign. This means you'll earn the same amount of Tokens whether your game is open or not. (Roughly 1 every 25 seconds.) The overall total of Event Tokens you will earn passively during the Event is roughly 41,460 give or take a few based on CNE's math. Make sure you don't do any missions before they show as Easy otherwise you may waste your Tokens.
  • You'll have a chance to earn three Champions with each Event. You'll have access to the three most recent Event Champs. Unlocking other Champions from past years is possible, but requires accessing them via a Time Gate. I recommend unlocking all three Event Champs and trying to gear them up roughly equally for use in the future.
  • Events start everyone off at zero Favor. Due to this, you'll need to manually click, or have Familiars click, on the field to damage enemies during the start of your first mission to make sure your lone Champion isn't overrun.
  • Even if you complete the Champion Unlock Adventure you're on, you don't necessarily want to hit "Complete" right away. You want to continue on and try to earn as much Favor as possible. This is due to the Token cost of Unlock Adventures/Free Plays. Treating each one like a Favor run helps you stay efficient with your Token spending. Variants are horrible for farming Favor though, so you can close those once you hit the goal.
  • Important: Whatever you do, don't spend lots of time sitting at a wall during an Event unless you're waiting on Tokens to start your next run. Time is your enemy (the past it threatens...) and you need to run as many Free Plays as possible to maximize your Favor and complete all the Variants on the first try.
  • Once you have completed all the variants and no longer truly need to farm Favor other than for the conversion bonus, you can just run Free Plays to 50 and then complete the run to get an Event Champion Chest, either Silver or Gold randomly. This is the best way to gear up your Event Champions as normal Gold Chests from other campaigns don't contain gear for them and you're limited to three Gold Chests (and some Silver Chests) in Time Gates to gear them up until their Event returns a year later.
  • New players can fully complete Events if they know what to do. Make sure to check for a guide to the specific Event to review when it comes out and don't hesitate to ask questions. The rest of us are here to help you succeed!
  • Once more for the people in the back: It's usually wise to not attempt the mission Variants until they show as Easy difficulty. The difficulty rating is based off the Favor you have accumulated and while it isn't an ideal indicator of difficulty, it's a decent starting point. I highly recommend waiting until a mission shows as Easy before starting it so as not to waste your Event Tokens. This is the single-biggest factor in using Tokens efficiently as a newer player.
  • Once you've earned your Event Champions and gear for them, the rewards for your hard work aren't over. The other major reward from Events is a conversion of Event Favor into the main campaign of your choice. This is why, even if you've finished all the variants, it's still good to do deep runs to gain Favor in the Event. You can use the following table to see if it's worth it to you to keep doing runs based on how much Favor you're getting with each one. As you get more Global Blessings, Patron Perks, and better gear on your Champions, you'll be able to get higher and higher conversion percentages.
Here's a quick example of the conversion breakdown from Event to main campaign. The percentage is multiplied by the total Favor you have earned in that campaign, including what you've spent on Blessings. There is no need to reset Blessings when converting Favor. There is no cap that I'm aware of to this conversion; the start numbers and end numbers are just examples but continue both ways.
Event Favor Total Main Campaign Conversion %
1e07 70%
1e08 80%
1e09 90%
1e10 100%
1e11 110%
1e12 120%
1e13 130%
Note: Numbers are in Scientific Notation for ease of reference. You can switch your UI to show Scientific Notation by hitting the Y key or selecting it in the settings. After you get out of normal number range, this is the best way to easily see your progress.
 
Before You Buy Chests from the Store
If you plan on buying Gold Event Chests with real money from the store (which is a great way to support the game!), keep this in mind:
  • Be sure you buy any Gold Event Chest Packs before opening any earned Gold Event Chests as you're guaranteed a Golden Epic with your real money purchase. When you flip the Golden Epic card, close out of the Store and verify it on your Champion, then go back in and open your other Chests. This way you're guaranteed to get other items when you open your Gold Chests instead of just duplicating that one on accident.
  • You get buffs when spending real money based on how much you spend. Plan your purchase in advance!
    • $5 - Empowered Power Boost - Increases the damage of all Champions by 100% (lasts 1 day)
    • $10 - Empowered Power Burst - Increases the damage of all Champions by 300% (lasts 2 days)
    • $20 - Empowered Faith - Increases all Favor earned from Resets by 50% (lasts 3 days)
    • $50 - Empowered Clairvoyance - Increases all Gold found by 100% (lasts 4 days)
  • Getting multiple of the same purchase amounts adds to the duration of the buff. All buffs stack with each other.
 
Note: Every $10 spent in one transaction gets you a guaranteed Shiny item! Keep this in mind as well as those can greatly increase the power of your items and thus your Champion.
 

Event Champion Information

The following three Champions are available to unlock and gear up during this year's Dragondown. To learn more about each Champion, hit up their specific guides for more information:

Year 6 Champion - BBEG, the Drow Wizard

You can find their Champion Guide here.
 

Year 5 Champion - Merilwen, the Wood Elf Druid

You can find their Champion Guide here.
 

Year 4 Champion - Selise Astorio, the Human Paladin

You can find their Champion Guide here.
 
The following Champions are now considered "retired" from this Event but can still be obtained through Time Gates:

Year 3 Champion - Nova V'Ger, the Air-Genasi Hexblade Warlock

You can find their Champion Guide here.
 

Year 2 Champion - Korth, the Lizardfolk Samurai (Fighter)

You can find their Champion Guide here.
 

Year 1 Champion - Binwin Bronzebottom, the Dwarf FighteBarbarian

You can find their Champion Guide here.

Event Adventure Information

Indoor # Outdoor #
15 35

Type Summary

Bosses
Boss Type # in this Event
Humanoid 5
Beast 2
Dragon 2
Elemental 1
Normal Mobs
Enemy Type # in this Event
Beast 32
Humanoid 16
Elemental 7
Dragon 4

Type by Level - repeats after 50

Level IndooOutdoor Enemy Type Boss Type
1 Outdoor Beast
2 Outdoor Beast
3 Outdoor Beast & Elemental
4 Outdoor Beast & Elemental
5 Outdoor Elemental Elemental
6 Outdoor Beast & Elemental
7 Outdoor Beast
8 Outdoor Beast & Humanoid/Kobold
9 Outdoor Humanoid/Kobold
10 Outdoor Humanoid/Kobold Humanoid/Kobold
11 Outdoor Beast
12 Outdoor Beast
13 Outdoor Humanoid/Human
14 Outdoor Humanoid/Human & Barricade
15 Outdoor Dragon Dragon
16 Outdoor Beast
17 Outdoor Beast
18 Outdoor Beast
19 Outdoor Humanoid/Human & Humanoid/Half-orc
20 Outdoor Humanoid/Human & Humanoid/Half-orc Humanoid/Human
21 Outdoor Beast
22 Outdoor Beast
23 Outdoor Beast
24 Outdoor Beast
25 Outdoor Dragon Humanoid/Elf
26 Outdoor Beast
27 Outdoor Beast
28 Outdoor Beast
29 Outdoor Humanoid/Kobold
30 Outdoor Humanoid/Kobold Humanoid/Kobold
31 Indoor Humanoid/Kobold
32 Indoor Humanoid/Kobold
33 Indoor Humanoid/Kobold
34 Indoor Humanoid/Kobold
35 Indoor Humanoid/Kobold Humanoid/Kobold
36 Outdoor Beast
37 Outdoor Beast
38 Outdoor Beast
39 Outdoor Beast
40 Outdoor Beast Beast
41 Indoor Elemental
42 Indoor Elemental
43 Indoor Beast & Elemental
44 Indoor Beast
45 Indoor Beast Beast
46 Indoor Beast
47 Indoor Beast
48 Indoor Beast
49 Indoor Beast & Dragon
50 Indoor Beast & Dragon Dragon
submitted by Gaarawarr to idlechampions [link] [comments]


2023.06.07 22:28 I_Still_Play_Skyrim I'm afraid

I'm a 25M, brazilian and am studying in a private medical school. I'm on the 7th semester (out of 12), 4th year, being a doctor was my dream and objective since I was about 8, which was the age I discovered the beauties of the profession and fell completely in love with it, before that I loved aviation (and still do to this day) and wanted to be a professional pilot. I always thought of myself as a strong-minded, bold, and confident person, at least most of the times.

I never understood (nor have I ever judged) med students that commited or tried to commit suicide, especially in their later years in university since well, they're so close to start working as a doctor. Sadly, this semester I understood why. I've studied like hell. Failed both my first two exams and am condemned to repeat this semester. This semester my eye started twitching (which is called myokymia), which can be caused by stress and once triggered, as far as I know, can be easier to happen again in the future by smaller stimuli, I've never before have feared exams, and now, whenever one is approaching, I get nervous, start sweating, for the first time in my life my hands began shaking while taking a test.

All I want to do is come home to my room and cry, taking all the strength I have to not do it while coming home, and when I get here, nothing. Not a single tear gets shed. These last 5 months have been hell. I can't even begin to tell where. My practical evaluations are great but don't matter much. All my patients love me and the way I treat them, they actually feel listened to and safe. It's been a lot lately.

I feel like I'm a burden to my father and grandparents who are paying for my studies and don't know how the heck am I gonna tell them I failed, my bride who is my soulmate, is suffering with me since she refuses to let my hand go, and I am afraid of drowning her with me since she basically holds my hand through this university taking more care of me than herself. I feel like I'm holding her back and hate this feeling with all my guts for I know that I've no right to demand her to stay with someone who gives her so much trouble. I feel less of a man for all of this happening. I've dedicated so much, sleeping 2-3 hours per night on the week prior to my exams to review everything, yet I still failed the same as someone who did nothing at all, worse, there's people who got good grades and are progressing have done less than I did.

I've had far too many intrusive thoughts, such as: "What would happen if I threw myself in front of this bus? It's not going too fast"; "Falling from the 5th floor doesn't seen too high"; "Would it hurt too much if I took a superdosage of paracetamol?" and even commiting crimes of which I'm not going to talk about since I don't have the slightest sense of pride and feel ashamed in thinking of such atrocities. This is painful.
Thank you for reading this far.

Edit: I forgot to write down a few things.
submitted by I_Still_Play_Skyrim to offmychest [link] [comments]


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2023.06.07 22:08 lucialorena2 What I learned during my 34-day trip across Spain, France and Italy.

Trip summary - 33 nights:
This was my first time organizing a multi-city trip, so even after months of research and organizing, there are some things that I would do way differently.
What I learned:
Sooo, that's it for now. Overall I still loved our trip and I'm already saving up for our next destination (maybe Japan?).
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