State farm insurance agent salary
Pitbull awareness, education, love.
2008.07.04 05:45 Pitbull awareness, education, love.
2019.04.18 01:30 unexpectedstatefarm
For unexpected references to the beloved insurance company State Farm. We all gather under the holy watch of our overlord, Jake.
2012.10.03 00:42 zDucken DJLikesManAss
He does.
2023.06.09 10:36 bonanoinsurance Watercraft Insurance Louisiana
 | When obtaining Watercraft Insurance Louisiana, it is essential to classify employees based on their type of work to ensure they have the right coverage. Misclassifying employees is often considered fraud and can result in severe consequences for the employer. Businesses should maintain accurate records and consult with an insurance professional to ensure they are in compliance with the state's regulations. Watercraft Insurance Louisiana covers medical expenses for accidents or injuries that require medical care and happen on the job. submitted by bonanoinsurance to u/bonanoinsurance [link] [comments] https://preview.redd.it/aimmucp0fy4b1.jpg?width=737&format=pjpg&auto=webp&s=61cb58b2185a1fdb22db8df05223109e6539039e |
2023.06.09 10:29 BushyHairBandit I have to drop out of college
I’m a 19 year old female and I just finished my first year of college. My parents have been using my college education as blackmail since I started. They are both emotionally abusive and my dad is physically abusive sometimes. They threaten to stop paying for my college anytime I do something they don’t like. My mom has a habit of doing this at the last minute (1 or 2 days before my move-in date) to cause the most drama or make me panic as much as she can. Every time I want to call their bluff, but a part of me believes that they might actually suddenly stop paying my tuition, so I still panic and try to do the various impossible tasks my mom makes me do before my move-in date so that I can attend college that semester. The least awful demand of hers was one day before we were leaving: “deep clean the entire basement today while also packing everything by yourself or we are not helping you transport your things to your dorm.” I thought I had finished this task several times, only for her to inspect the basement and tell me it was not good enough. When I transferred to a college out of state and needed to pay all the dues to my current university before withdrawing, she suddenly decided to not pay the bill for room and board. I remembered that her bank information was still in my student portal. so I paid the dues, and she screamed at me for using her money without permission. The next semester, her threat was a week before move-in: “call the housing office and tell them to move you to a dorm closer to your classes, or else you will not be attending college this semester.” My father also got angry when I said I did not want to go his office with him because I still had packing to do. So, he told me that he would not be flying me out to college and I “would be lucky to get to there on a train” because i am too ungrateful to deserve their help.
My last straw was a few days ago. I informed my parents that I had registered for summer classes many months in advance. My mom waited until the day the bill was due to tell me that she would not be paying it because the bill was expensive. And it was, but I am certain that my parents can afford it because my dad owns several companies and is a literal multi-millionaire. And he pays my mom a VERY generous salary for handling the real-estate side of his business. So it seems like that bill would be small in comparison. I understand that it’s their money and I cannot demand things of them, but if they are unwilling to pay a certain amount, they could have told me far in advance.
After this I finally snapped and said some awful things to my mom over the phone. I was at my boyfriend’s house and I didn’t go home that night because I was too angry to even look her in the face. And in that moment I decided that if my parents are constantly going to hold my college fund over my head, I will not depend on their money for my education.
Right now my plan is to enlist in the Air Force and use the GI bill benefits to pay for my college and grad school. I just contacted a recruiter yesterday. I am happy and sad at the same time because I am dealing with the disappointment of my plans for next semester being totally scrapped. I was just starting to make friends and I was taking really interesting classes that I liked, and it fucking sucks that I will have to delay my education for several years and go through a huge change in my life. But that’s also the happy part at the same time… I will finally have freedom and a safe place to live away from my parents. I won’t have to come home during breaks and worry for my physical and emotional safety. Some self reflection, Reddit posting and conversations with my boyfriend also made me realize that I have a lot of growing up to do. I have never had a job that wasn’t through a family member or friend. I don’t have much money management skills and have never had to provide for myself. I’ve also been sheltered for most of my life. So this is why I think I’m making the right decision. These past few days have been a fucking whirlwind of emotions for so many reasons so I just needed to write it down.
submitted by BushyHairBandit to TrueOffMyChest [link] [comments]
My last straw was a few days ago. I informed my parents that I had registered for summer classes many months in advance. My mom waited until the day the bill was due to tell me that she would not be paying it because the bill was expensive. And it was, but I am certain that my parents can afford it because my dad owns several companies and is a literal multi-millionaire. And he pays my mom a VERY generous salary for handling the real-estate side of his business. So it seems like that bill would be small in comparison. I understand that it’s their money and I cannot demand things of them, but if they are unwilling to pay a certain amount, they could have told me far in advance.
After this I finally snapped and said some awful things to my mom over the phone. I was at my boyfriend’s house and I didn’t go home that night because I was too angry to even look her in the face. And in that moment I decided that if my parents are constantly going to hold my college fund over my head, I will not depend on their money for my education.
Right now my plan is to enlist in the Air Force and use the GI bill benefits to pay for my college and grad school. I just contacted a recruiter yesterday. I am happy and sad at the same time because I am dealing with the disappointment of my plans for next semester being totally scrapped. I was just starting to make friends and I was taking really interesting classes that I liked, and it fucking sucks that I will have to delay my education for several years and go through a huge change in my life. But that’s also the happy part at the same time… I will finally have freedom and a safe place to live away from my parents. I won’t have to come home during breaks and worry for my physical and emotional safety. Some self reflection, Reddit posting and conversations with my boyfriend also made me realize that I have a lot of growing up to do. I have never had a job that wasn’t through a family member or friend. I don’t have much money management skills and have never had to provide for myself. I’ve also been sheltered for most of my life. So this is why I think I’m making the right decision. These past few days have been a fucking whirlwind of emotions for so many reasons so I just needed to write it down.
2023.06.09 10:18 chronic_impatience Recurring unilateral tonsils stones-started 2 weeks ago, now unilateral tonsil swelling. Should I be concerned?
27F. I have never had a tonsil stones prior to 2 weeks ago. The day after I discovered it I was able to pop the large stone out safely with a wet Q-tip, advice I saw online. However the “crypts” were large and concerned me. Less than a week later that same crypt filled with another large stone, and several smaller has come out since (even with me just coughing).
I checked my tonsils tonight to see if more have come but noticed the side that has been getting the stones is at least twice the size as the unaffected tonsil. To be honest I’m not completely sure if my tonsil has been enlarged this whole time, but while checking tonight it was very noticeable. All of this is new to me, I’m just wondering if I should be concerned about the swelling. I have no symptoms of infection, no fever, no pain in my throat.
Added info- in America and moving to a new state next week where my health insurance won’t carry over.
Thanks in advance.
submitted by chronic_impatience to AskDocs [link] [comments]
I checked my tonsils tonight to see if more have come but noticed the side that has been getting the stones is at least twice the size as the unaffected tonsil. To be honest I’m not completely sure if my tonsil has been enlarged this whole time, but while checking tonight it was very noticeable. All of this is new to me, I’m just wondering if I should be concerned about the swelling. I have no symptoms of infection, no fever, no pain in my throat.
Added info- in America and moving to a new state next week where my health insurance won’t carry over.
Thanks in advance.
2023.06.09 10:10 HomelessDoctor Going to meet vendor - advice
Hi all, my partner and I had an offer accepted on a house in late Feb this year, it is quite new so we expected that enquiries should be minimal.
At the moment, it seems like our solicitors and the vendor’s solicitors are playing the blame game. The estate agent is also in the middle relating information essentially saying we’re all stressed and at breaking point. So much so that our vendor is now threatening to pull out as their solicitors are saying that have answered all our solicitor’s enquiries, while ours are saying they haven’t and are being slow to respond, despite this urgency.
Our mortgage advisor has been faultless throughout this process, and she recommended these solicitors. We do trust her judgement and she has dropped solicitors before when they have caused her a headache. Because of this, she has advised going and knocking on the vendor’s door and having a chat without estate agents or solicitors stirring the pot. She says it’s always worked for her when buying a house and may help to calm them down as it’s harder to be callous to someone you have met.
Now I have one concern with this. The vendor lives in a house on the same road as the one being sold, the house we are trying to buy was due to be a rental before being put up for sale. We have signed the TR1 and mortgage deed which obviously states the vendor’s address.
If you were the vendor, and stressed our endlessly thinking the buyer and their solicitor was being slow, would you be happy to have a chat with them? Or would you take it as malicious? I don’t want to ambush our vendor and make things worse, but I also want to explain our position and that we are all fighting for the same team, wanting the same outcome!
TIA!!
submitted by HomelessDoctor to HousingUK [link] [comments]
At the moment, it seems like our solicitors and the vendor’s solicitors are playing the blame game. The estate agent is also in the middle relating information essentially saying we’re all stressed and at breaking point. So much so that our vendor is now threatening to pull out as their solicitors are saying that have answered all our solicitor’s enquiries, while ours are saying they haven’t and are being slow to respond, despite this urgency.
Our mortgage advisor has been faultless throughout this process, and she recommended these solicitors. We do trust her judgement and she has dropped solicitors before when they have caused her a headache. Because of this, she has advised going and knocking on the vendor’s door and having a chat without estate agents or solicitors stirring the pot. She says it’s always worked for her when buying a house and may help to calm them down as it’s harder to be callous to someone you have met.
Now I have one concern with this. The vendor lives in a house on the same road as the one being sold, the house we are trying to buy was due to be a rental before being put up for sale. We have signed the TR1 and mortgage deed which obviously states the vendor’s address.
If you were the vendor, and stressed our endlessly thinking the buyer and their solicitor was being slow, would you be happy to have a chat with them? Or would you take it as malicious? I don’t want to ambush our vendor and make things worse, but I also want to explain our position and that we are all fighting for the same team, wanting the same outcome!
TIA!!
2023.06.09 10:09 AutoModerator [Genkicourses.site] ✔️Matt Teuschel – Agent Lead Gen Mastery ✔️ Full Course Download
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2023.06.09 10:08 offHold422 The origins of the word 'city' in various European languages
 | submitted by offHold422 to sciences [link] [comments] |
2023.06.09 10:03 Then_Marionberry_259 JUN 09, 2023 PTM.TO PLATINUM GROUP METALS LTD. REPORTS JOGMEC ESTABLISHES SPECIAL PURPOSE COMPANY TO HOLD AND FUND COMBINED EQUITY INTERESTS IN THE WATERBERG PGM PROJECT
 | https://preview.redd.it/wl1uaci39y4b1.png?width=3500&format=png&auto=webp&s=3f497a9954e1a1bac397dc56a29cc6a92972e464 submitted by Then_Marionberry_259 to Treaty_Creek [link] [comments] Vancouver, British Columbia and Johannesburg, South Africa--(Newsfile Corp. - June 9, 2023) - Platinum Group Metals Ltd. (TSX: PTM) (NYSE American: PLG) ("Platinum Group", "PTM" or the "Company") reports that the Japan Organization for Metals and Energy Security ("JOGMEC") and Hanwa Co. Ltd. ("Hanwa") have established a special purpose company, HJ Platinum Metals Ltd. ("HJM"), to hold and fund their future equity interests in the Waterberg platinum group metals project ("Waterberg PGM Project"). The combined interests of JOGMEC (12.195%) and Hanwa (9.755%) have been consolidated into a 21.95% interest for HJM going forward, with JOGMEC to fund 75% of future equity investments into HJM and Hanwa the remaining 25%. Platinum Group President and CEO Frank R. Hallam said, "A Memorandum of Understanding regarding cooperation on the Waterberg PGM Project was signed in Cape Town during May 2022. Since then, JOGMEC and Hanwa have undertaken a project-scheme reorganization amongst themselves. With this reorganization now complete, our Japanese partners are in position to continue their support towards a development plan for the Waterberg PGM Project. Platinum, palladium, rhodium, and gold ("PGMs"), as well as copper and nickel, are widely used in Japanese industry, including use in fuel cells, automotive catalysis, and hydrolyzers, and are expected to play a critical role in decarbonization. The Waterberg PGM Project holds1 large-scale, shallow PGM reserves and is expected to be a cost-competitive mine based on bulk, mechanized mining methods. The Waterberg PGM Project is also expected to be a new stable PGM supply source for Japanese industry upon the commencement of production." About the Waterberg PGM Project The Waterberg PGM Project, discovered in 2011, is a bulk underground PGM deposit located on the northern limb of the Bushveld Complex in South Africa, and is owned by Platinum Group (37.05%), Mnombo Wethu Consultants (Pty) Ltd. ("Mnombo") (26.0%), Impala Platinum Holdings Ltd. (15%) ("Implats"), and HJM (21.95%) through Waterberg JV Resources (Pty) Ltd. ("Waterberg JV Co.). As a result of its equity interest in Mnombo, the Company has an aggregate 50.02% direct and indirect interest in the Waterberg PGM Project. Qualified Person Rob van Egmond, P.Geo., a consultant geologist to the Company and a former employee, is an independent qualified person as defined in National Instrument 43-101 Standards of Disclosure for Mineral Projects ("NI 43-101"). Mr. van Egmond has reviewed, validated, and approved the scientific and technical information contained in this news release and has previously visited the Waterberg Project site. About Platinum Group Metals Ltd. Platinum Group Metals Ltd. is the operator of the Waterberg PGM Project, a bulk underground palladium and platinum deposit located in South Africa. The Waterberg PGM Project was discovered by Platinum Group and is being jointly developed with Implats, Mnombo, JOGMEC and Hanwa. Total expenditures on the property since inception from all investor sources to February 28, 2023, are approximately US $82.9 million. On behalf of the Board of****Platinum Group Metals Ltd. Frank R. Hallam\*President, CEO and Director* For further information contact: Kris Begic, VP, Corporate Development Platinum Group Metals Ltd., Vancouver Tel: (604) 899-5450 / Toll Free: (866) 899-5450 www.platinumgroupmetals.net Disclosure The Toronto Stock Exchange ("TSX") and the NYSE American have not reviewed and do not accept responsibility for the accuracy or adequacy of this news release, which has been prepared by management. This news release contains forward-looking information within the meaning of Canadian securities laws and forward-looking statements within the meaning of U.S. securities laws (collectively "forward-looking statements"). Forward-looking statements are typically identified by words such as: "believe", "expect", "anticipate", "intend", "estimate", "may", "plans", "postulate" and similar expressions, or are those, which, by their nature, refer to future events. All statements that are not statements of historical fact are forward-looking statements. Forward-looking statements in this news release include, but are not limited to, statements regarding the use of metals in Japanese industry, JOGMEC, Hanwa or HJM being in position to continue their support, future development and cost-competitiveness of the Waterberg PGM Project, JOGMEC or Hanwa funding future equity investments into HJM and the Company's other future plans and expectations. Although the Company believes any forward-looking statements in this news release are reasonable, it can give no assurance that the expectations and assumptions in such statements will prove to be correct. The Company cautions investors that any forward-looking statements by the Company are not guarantees of future results or performance and that actual results may differ materially from those in forward-looking statements as a result of various factors, including possible adverse impacts due the global outbreak of COVID-19, the Company's inability to generate sufficient cash flow or raise additional capital, and to comply with the terms of any new indebtedness; additional financing requirements; and any new indebtedness may be secured, which potentially could result in the loss of any assets pledged by the Company; the Company's history of losses and negative cash flow; the Company's properties may not be brought into a state of commercial production; uncertainty of estimated production, development plans and cost estimates for the Waterberg PGM Project; discrepancies between actual and estimated mineral reserves and mineral resources, between actual and estimated development and operating costs, between actual and estimated metallurgical recoveries and between estimated and actual production; fluctuations in the relative values of the U.S. Dollar, the Rand and the Canadian Dollar; volatility in metals prices; the uncertainty of alternative funding sources for Waterberg JV Co.; the Company may become subject to the U.S. Investment Company Act; the failure of the Company or the other shareholders to fund their pro rata share of funding obligations for the Waterberg PGM Project; any disputes or disagreements with the other shareholders of Waterberg JV Co. or Mnombo; the ability of the Company to retain its key management employees and skilled and experienced personnel; conflicts of interest; litigation or other administrative proceedings brought against the Company; actual or alleged breaches of governance processes or instances of fraud, bribery or corruption; exploration, development and mining risks and the inherently dangerous nature of the mining industry, and the risk of inadequate insurance or inability to obtain insurance to cover these risks and other risks and uncertainties; property and mineral title risks including defective title to mineral claims or property; changes in national and local government legislation, taxation, controls, regulations and political or economic developments in Canada and South Africa; equipment shortages and the ability of the Company to acquire necessary access rights and infrastructure for its mineral properties; environmental regulations and the ability to obtain and maintain necessary permits, including environmental authorizations and water use licences; extreme competition in the mineral exploration industry; delays in obtaining, or a failure to obtain, permits necessary for current or future operations or failures to comply with the terms of such permits; risks of doing business in South Africa, including but not limited to, labour, economic and political instability and potential changes to and failures to comply with legislation; the Company's common shares may be delisted from the NYSE American or the TSX if it cannot maintain compliance with the applicable listing requirements; and other risk factors described in the Company's most recent Form 40-F annual report, Annual Information Form and other filings with the U.S. Securities and Exchange Commission ("SEC") and the Canadian securities regulators, which may be viewed at [www.sec.gov*](https://api.newsfilecorp.com/redirect/WrD3xTvKnE) and [www.sedar.com*](https://api.newsfilecorp.com/redirect/q3QeBfZgMY)*, respectively. Proposed changes in the mineral law in South Africa if implemented as proposed would have a material adverse effect on the Company's business and potential interest in projects. Any forward-looking statement speaks only as of the date on which it is made and, except as may be required by applicable securities laws, the Company disclaims any intent or obligation to update any forward-looking statement, whether because of new information, future events or results or otherwise.* The technical and scientific information contained herein has been prepared in accordance with NI 43-101, which differs from the standards adopted by the SEC. Accordingly, the technical and scientific information contained herein, including any estimates of mineral reserves and mineral resources, may not be comparable to similar information disclosed by U.S. companies subject to the disclosure requirements of the SEC. To view the source version of this press release, please visit https://www.newsfilecorp.com/release/169148 https://preview.redd.it/efmn9wk39y4b1.png?width=4000&format=png&auto=webp&s=28c02db80e2060abefdab1408e0b65073283507a
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2023.06.09 09:59 Secret-Visit-3541 my auto insurance refused my claim because i was driving for doordash
i was on an active delivery for doordash when i was making a right turn and got hit. though it was night and hard to see, technically i was at fault because i’d ‘failed to yield’ on a right turn. basically my little old ford focus was totaled that night, and its not too big of a deal because it had a lot of problems and id been saving up already for a better car. on the other hand, i happened to collide with a brand new looking land rover:/ so when it happened, the guy pulled so far down the street before stopping that i couldn’t see how bad the damage was on his car. anyways, the police arrived pretty quickly and exchanged insurance info for us. so the next morning i called my insurance and told them what happened and this is where i fucked up:
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
submitted by Secret-Visit-3541 to Car_Insurance_Help [link] [comments]
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
- will doordash deny my claim because i didn’t have the rideshare/delivery add-on from my insurance?
- even though i was on the way to the customers house with the food when i crashed, how can i be sure that they don’t try to deny that i was on an active delivery? about 20 minutes after i crashed i had contacted the customer and told her that i had gotten into an accident and wouldn’t be able to deliver her food so she should contact customer service and cancel her order for her money back. and then the order was cancelled. i also then called customer service and told them i was in an accident and all they did was made sure the order was cancelled. does anyone know if doordash has access to all of my deliveries and even if they were cancelled? also on the police report, he wrote down the time that it was reported and somewhere in the doordash system should show i was on an active delivery at that very time.
2023.06.09 09:58 tareekpetareek Byju's got sued by its lenders in the US. Then it sued its lenders in the US. Here's a fun read about what happened
Original Source: https://boringmoney.in/p/byjus-is-sued-by-its-lenders (my newsletter Boring Money -- please visit the link if you'd like to subscribe and receive similar posts in your inbox)
--
Four years ago I read an article in The Ken titled The making of a loan crisis at Byju’s. The gist of the story was that Byju’s was an edtech doing phenomenally well selling its digital courses to parents of young students. But these courses were expensive and these parents were poor. So it was also selling them loans to buy these courses. Only, without telling them. Parents would expect a course (which could be cancelled) but would end up with a loan (which couldn’t be cancelled).
Three days ago, Byju’s went to court in New York. Here’s the headline from TechCrunch: Byju’s sues ‘predatory’ lenders on $1.2B term loan, won’t make further payments.
Byju’s is a company that, arguably, made a business out of giving out predatory loans. Now it’s sued its own lenders and accused them of being predatory. I’m not saying that this is poetic justice but.. okay, scratch that. This is poetic justice! If Shakespeare were a finance writer this is the kind of stuff he would come up with.
The way a term loan such as this works is:
It’s likely that Blackstone, Fidelity and other of the OG lenders aren’t Byju’s’ lenders any more. They’ve almost certainly sold off their loans at a loss. Better get paid something than get paid nothing.
If you’re a regular investment management company, like Blackstone, you don’t want to invest in such a loan. Your investors gave you this money to get predictable returns. If they wanted risk, they’d ask you to buy stocks. You don’t want to get into a fight with your borrower. If you feel they will not pay you back, you take a loss, sell the loans, move on.
If you’re a distressed debt investor, your entire business is to buy such distressed loans from regular investment managers like Blackstone. You’re going to get nasty borrowers who are unlikely to want to repay their loans but that’s okay. Because you’re nasty too. You spend less time on financial models, more in courts and around lawyers. You like to fight to get your money back. Sometimes you might lose, but the times you win, you win big. The wins cover your losses and some more.
Blackstone and the others sold Byju’s’ loans in desperation, and they were almost certainly bought by distressed debt investors. We don’t know who they are exactly, but Byju’s has indicated that one of them is Redwood Capital, a New York-based distressed debt investor.
If you’re a distressed debt investor, this is how it works:
Last month, Byju’s’ new lenders sued Byju’s in the Delaware Court of Chancery [3]. We’ll get to the official reasons for this lawsuit in a bit, but what’s important is that Byju’s was not being sued because it defaulted on a payment. It hadn’t. It was being sued because the distressed debt investors expect it to default sooner or later, and they would prefer dealing with it sooner rather than later.
The loan was made to Byju’s’ US entity and it was secured with guarantees from multiple Byju’s companies. From Byju’s’ lawsuit this week against its creditors (which I will get to), here are the guarantors:
Apart from Byju’s the parent company itself, Whitehat was the only other Indian company guaranteeing this loan. The problem was that Whitehat itself, on paper, had negative net worth. It had probably taken loans of its own and did not have enough assets to cover them. In practice, this would be irrelevant, because Whitehat was owned by Byju’s and it would cover any of Whitehat’s liabilities. But, apparently, RBI regulations require Indian companies with negative net worth to take its approval before guaranteeing a loan. So even though Whitehat was a guarantor, the guarantee was meaningless until RBI granted its approval.
Yeah, well, RBI didn’t grant its approval. From the lawsuit:
Continuing from the lawsuit:
Oh, there’s another thing. In June 2022, The Ken reported that Byju’s’ financials for 2021 had been held up by its auditors because of certain, umm, creative accounting. By this time, Byju’s should have ideally filed even its 2022 financials. It was very late! From the lawsuit:
The lenders refused. They asked for either the full principal back or two-thirds of it, with an increment of 7% (!!) in the interest rate. Byju’s, of course, said no.
At this point, Byju’s knew that the lenders weren’t going to negotiate realistically. So it prepared its own offence. From the lawsuit:
Last month, Byju’s transferred $500 million out of its US entity. The lenders had filed their lawsuit and there was a chance the court would freeze Byju’s’ US entity’s assets, so this was a precautionary move. So Byju’s has this $500 million. But that seems about it. Byju’s has been in the news saying that it’s trying to raise $700 million to pay off its debt. Yeah, between the horrible edtech market and the colourful lawsuits Byju’s is in, good luck with getting investors to donate their money to Byju’s.
But of course, Byju’s is now suing its lenders too. It does have an agreement that says that its debt can’t be held by distressed debt investors. So it’s not a frivolous suit.
Can Byju’s win? Sure. It would still have to pay its debt eventually. And it’s not straightforward. There are probably tens or even hundreds of lenders. It’s apparent that the distressed debt investors are the guiding force behind the lenders’ lawsuit, but it’s definitely not necessary that they form the majority of the lenders. In which case, Byju’s’ whole lawsuit falls apart.
The lenders are saying Byju’s defaulted by not keeping its part of the agreement, even though it had technically paid its dues. [4] Byju’s is saying that the lenders shouldn’t be the lenders in the first place and must be disqualified. We’ll see who’s right.
Footnotes
[1] It was a 5-year loan with a floating interest rate of 6% over Libor. Think of it as 6% over this magical interest-rate called Libor that some fancy-pants banks set amongst themselves everyday. Back in November 2021, Libor was at 0.25% and this was a 6.86% interest loan for Byju’s (the floor for Libor was 0.75%). Today, Libor is at about 5.64% and it’s an 11.6% loan.
[2] Multiple reasons for the investors to sell. One, interest rates went up and cash became more dear. If they had money stuck with Byju’s, it was money not being lent out to someone else. Second, edtech all around the world was in trouble. Kids were back in school and people didn’t think much of them anymore. Third, Byju’s as a company was showing its red flags.
[3] What a cool name!
[4] Until now, that is. Byju’s filed its lawsuit this week the same day it was supposed to make a $40 million interest payment.
Original Source: https://boringmoney.in/p/byjus-is-sued-by-its-lenders
submitted by tareekpetareek to IndiaInvestments [link] [comments]
--
Four years ago I read an article in The Ken titled The making of a loan crisis at Byju’s. The gist of the story was that Byju’s was an edtech doing phenomenally well selling its digital courses to parents of young students. But these courses were expensive and these parents were poor. So it was also selling them loans to buy these courses. Only, without telling them. Parents would expect a course (which could be cancelled) but would end up with a loan (which couldn’t be cancelled).
Three days ago, Byju’s went to court in New York. Here’s the headline from TechCrunch: Byju’s sues ‘predatory’ lenders on $1.2B term loan, won’t make further payments.
Byju’s is a company that, arguably, made a business out of giving out predatory loans. Now it’s sued its own lenders and accused them of being predatory. I’m not saying that this is poetic justice but.. okay, scratch that. This is poetic justice! If Shakespeare were a finance writer this is the kind of stuff he would come up with.
Everyone wants to lend to Byju’s
In 2021, interest rates were low, loans were cheap. Tech startups were doing great, edtech startups were crushing it. Byju’s, not one to be left behind, had raised a lot of money but money was cheap so it also wanted to borrow. It wanted a $500 million loan from lenders in the US, which it wanted to use to acquire companies there. Instead, it ended up borrowing more than double—$1.2 billion—because lenders practically wanted to throw money at this overachieving edtech startup from India. [1]The way a term loan such as this works is:
- A company goes to an investment bank and asks for a loan
- The bank syndicates this loan to investors, who become the lenders. Everyone comes together in a room and negotiates the specifics of the loan (which can be quite complex, as we’ll see)
- The loan goes through and everyone’s happy. Presumably, the company likes its lenders, the lenders like the company
- The original investors might sell the loans they own to other investors. The company’s only talking to an administrative agent representing the lenders, so over time it might not even know who its lenders are
It’s likely that Blackstone, Fidelity and other of the OG lenders aren’t Byju’s’ lenders any more. They’ve almost certainly sold off their loans at a loss. Better get paid something than get paid nothing.
Dealers of the dead
If a company’s debt is being sold at a 36% discount, it’s because investors think that the company is unlikely to repay its loans. If you buy such a loan, you potentially stand to gain a lot—because of the discount—but well, you might also just lose everything.If you’re a regular investment management company, like Blackstone, you don’t want to invest in such a loan. Your investors gave you this money to get predictable returns. If they wanted risk, they’d ask you to buy stocks. You don’t want to get into a fight with your borrower. If you feel they will not pay you back, you take a loss, sell the loans, move on.
If you’re a distressed debt investor, your entire business is to buy such distressed loans from regular investment managers like Blackstone. You’re going to get nasty borrowers who are unlikely to want to repay their loans but that’s okay. Because you’re nasty too. You spend less time on financial models, more in courts and around lawyers. You like to fight to get your money back. Sometimes you might lose, but the times you win, you win big. The wins cover your losses and some more.
Blackstone and the others sold Byju’s’ loans in desperation, and they were almost certainly bought by distressed debt investors. We don’t know who they are exactly, but Byju’s has indicated that one of them is Redwood Capital, a New York-based distressed debt investor.
If you’re a distressed debt investor, this is how it works:
- You get a loan for super cheap
- If the company repays its loan, great! You make a lot of money
- But the company isn’t likely to repay, which is why you got the loan for cheap in the first place
- So it’s in your best interest to not let the company die a slow death. Instead, you want to kill the company quick. You take the company to court ASAP and take all the money you’re owed while it’s still there
Last month, Byju’s’ new lenders sued Byju’s in the Delaware Court of Chancery [3]. We’ll get to the official reasons for this lawsuit in a bit, but what’s important is that Byju’s was not being sued because it defaulted on a payment. It hadn’t. It was being sued because the distressed debt investors expect it to default sooner or later, and they would prefer dealing with it sooner rather than later.
Lenders go for the kill
Usually, the finer details of corporate loans such as Byju’s’ aren’t public. But thanks to the multiple lawsuits we know quite a bit here.The loan was made to Byju’s’ US entity and it was secured with guarantees from multiple Byju’s companies. From Byju’s’ lawsuit this week against its creditors (which I will get to), here are the guarantors:
- Byju’s entities in India and Singapore
- Byju’s’ US and Singapore acquisitions; companies including Oros, Epic, Great Learning, and Neuron
- Whitehat India, Byju’s’ famous Indian acquisition
Apart from Byju’s the parent company itself, Whitehat was the only other Indian company guaranteeing this loan. The problem was that Whitehat itself, on paper, had negative net worth. It had probably taken loans of its own and did not have enough assets to cover them. In practice, this would be irrelevant, because Whitehat was owned by Byju’s and it would cover any of Whitehat’s liabilities. But, apparently, RBI regulations require Indian companies with negative net worth to take its approval before guaranteeing a loan. So even though Whitehat was a guarantor, the guarantee was meaningless until RBI granted its approval.
Yeah, well, RBI didn’t grant its approval. From the lawsuit:
Plaintiffs, Borrower, and Lenders had a call on or around October 6, 2022, to discuss the Whitehat Guarantee. In a good faith effort to negate any impact of the new regulations, Plaintiffs and the Borrower offered to move all assets out of Whitehat India into other subsidiaries of the Parent Guarantor that are Guarantors to the Credit Agreement, or are owned by Guarantors of the Credit Agreement.In October 2022, after Byju’s’ debt was already sold to the distressed debt investors, the company spoke to its lenders and informed them that it was unable to get RBI’s approval for Whitehat to be a guarantor. Instead, it offered to move Whitehat’s assets into other companies and then use those companies to guarantee the loan. Which would really have been the same thing. But the lenders refused! Why?!
Lenders rejected this proposal without justification.
Continuing from the lawsuit:
Lenders subsequently asserted that an event of default under Section 8.1(e) of the Credit Agreement (an “Event of Default”) had occurred due to the failure to procure the Whitehat Guarantee.Oh, that’s why. Byju’s’ lenders—distressed debt investors that wanted Byju’s dead ASAP—used the fact that Whitehat couldn’t be a guarantor of this loan to claim a default and use it as a reason to take Byju’s to court in the US. Honestly, I’m impressed. The Whitehat guarantee was redundant to begin with, but the lenders had found an out and their official reason #1 to take Byju’s to court.
Oh, there’s another thing. In June 2022, The Ken reported that Byju’s’ financials for 2021 had been held up by its auditors because of certain, umm, creative accounting. By this time, Byju’s should have ideally filed even its 2022 financials. It was very late! From the lawsuit:
The FY’21 Audit was delivered to the Lenders on August 30, 2022. It did not contain a “going concern” qualification or any similar qualifications about the Parent Guarantor’s ability to continue into the future.Byju’s’ 2021 financials were held up because auditors weren’t giving the company their go ahead, so of course its 2022 financials were held up as well.
However, the FY’22 Audit could not begin until the FY’21 Audit had been completed, and the Parent Guarantor’s business has continued to grow rapidly
On or around August 29, 2022, Shearman & Sterling, LLP (“S&S”), counsel for GLAS, sent a letter to Byju’s Alpha and Think & Learn requesting certain financial disclosures from Plaintiffs and Borrower, and asserting that the failure to deliver this financial information was a breach of the Credit Agreement.I love it! Byju’s’ financials were delayed. Its agreement with the original lenders said that the company must share its audited financials with them. Byju’s wasn’t able to do that. The lenders found their official reason #2 to take Byju’s to court.
...
Rather than actually suffering any damage from the delayed FY’22 audit, Lenders opportunistically used this unintentional and non-material delay to exert pressure on Plaintiffs and the Borrower to extract onerous economic concessions.
Byju’s sets up an offence
Before the lenders sued Byju’s last month, Byju’s tried its best to negotiate a deal. It gave the lenders an assurance of the company’s financial health, gave them concessions worth “tens of millions of dollars” and requested (pleaded) to take back their claims of Byju’s defaulting.The lenders refused. They asked for either the full principal back or two-thirds of it, with an increment of 7% (!!) in the interest rate. Byju’s, of course, said no.
At this point, Byju’s knew that the lenders weren’t going to negotiate realistically. So it prepared its own offence. From the lawsuit:
The Credit Agreement prohibits transfers or assignments of the Lenders’ interests in the Term Loans to “Disqualified Lenders.”In its agreement with the original lenders, Byju’s had put in a clause restricting its loan from being transferred to distressed debt investors. This is a risky clause to agree with, because it’s only these folks that buy loans that turn sour, but the original lenders had gone with it.
The Credit Agreement includes in its definition of Disqualified Lender “[a]ny [] Person (including an Affiliate or Approved Fund of a Lender) whose primary activity is the trading or acquisition of distressed debt,” and “those banks, financial institutions and other Persons separately identified by name . . . on or before the syndication . . . (which may be updated . . . from time to time . . .)”
On information and belief, the entire course of Lenders’, and Defendant’s, bad-faith conduct has been driven by these distressed-debt lenders, who were never meant to have been lenders in the first place, and who acted with the intent of causing harm to Borrower and Plaintiffs. Meanwhile, Borrowers and Plaintiffs were initially unaware that the lenders were in fact being controlled by distressed debt dealers, and were therefore unable to take action to prevent their bad-faith plan from being implemented.In its lawsuit this week, the crux of Byju’s’ argument is based on the fact that its loan is owned by distressed debt investors who were not eligible to be owning its debt in the first place. Also interesting is that Byju’s doesn’t seem to know who these lenders are. In its post-lawsuit statement, Byju’s named Redwood as one of the lenders, but it’s not named anywhere in the lawsuit.
Now what?
If push comes to shove, does Byju’s have the cash to pay off its lenders?Last month, Byju’s transferred $500 million out of its US entity. The lenders had filed their lawsuit and there was a chance the court would freeze Byju’s’ US entity’s assets, so this was a precautionary move. So Byju’s has this $500 million. But that seems about it. Byju’s has been in the news saying that it’s trying to raise $700 million to pay off its debt. Yeah, between the horrible edtech market and the colourful lawsuits Byju’s is in, good luck with getting investors to donate their money to Byju’s.
But of course, Byju’s is now suing its lenders too. It does have an agreement that says that its debt can’t be held by distressed debt investors. So it’s not a frivolous suit.
Can Byju’s win? Sure. It would still have to pay its debt eventually. And it’s not straightforward. There are probably tens or even hundreds of lenders. It’s apparent that the distressed debt investors are the guiding force behind the lenders’ lawsuit, but it’s definitely not necessary that they form the majority of the lenders. In which case, Byju’s’ whole lawsuit falls apart.
The lenders are saying Byju’s defaulted by not keeping its part of the agreement, even though it had technically paid its dues. [4] Byju’s is saying that the lenders shouldn’t be the lenders in the first place and must be disqualified. We’ll see who’s right.
Footnotes
[1] It was a 5-year loan with a floating interest rate of 6% over Libor. Think of it as 6% over this magical interest-rate called Libor that some fancy-pants banks set amongst themselves everyday. Back in November 2021, Libor was at 0.25% and this was a 6.86% interest loan for Byju’s (the floor for Libor was 0.75%). Today, Libor is at about 5.64% and it’s an 11.6% loan.
[2] Multiple reasons for the investors to sell. One, interest rates went up and cash became more dear. If they had money stuck with Byju’s, it was money not being lent out to someone else. Second, edtech all around the world was in trouble. Kids were back in school and people didn’t think much of them anymore. Third, Byju’s as a company was showing its red flags.
[3] What a cool name!
[4] Until now, that is. Byju’s filed its lawsuit this week the same day it was supposed to make a $40 million interest payment.
Original Source: https://boringmoney.in/p/byjus-is-sued-by-its-lenders
2023.06.09 09:52 Carzbot Navigating the Car Insurance Maze: Key Considerations
It is important to understand that providing false or inaccurate information can lead to severe consequences. In the event of an accident or claim, the insurance company may deny coverage if they discover the discrepancy. It is crucial to be transparent and provide accurate details while purchasing car insurance to avoid any complications in the future.
Also Read : Buying a Good Used Car: 5 Essential Steps
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1. Consider the reputation of the insurance company
Before finalizing your car insurance policy, take the time to research and evaluate the reputation of the insurance company. Look for customer reviews, ratings, and feedback online to get an idea of their service quality and customer satisfaction levels. A reputable and trustworthy insurance company will have positive reviews and a good track record of handling claims efficiently. Opting for an insurer with a solid reputation will provide you with peace of mind knowing that your policy is in safe hands.2. Understand the terms and conditions
Reading and understanding the terms and conditions of the car insurance policy is crucial before making a decision. Pay attention to the coverage details, exclusions, deductibles, and any other important clauses. This will help you make an informed choice and prevent any surprises or misunderstandings in the future. If you have any doubts or questions, don't hesitate to seek clarification from the insurance company or their representative.3. Consider the network of garages
When selecting a car insurance policy, it is essential to consider the network of garages associated with the insurance company. Check if the insurer has tie-ups with reputable garages and service centers in your area. Having a wide network of garages ensures easy accessibility for repairs and claim settlements. Additionally, some insurance companies offer cashless claim settlements where you don't have to bear the expenses upfront, making the entire process more convenient.4. Evaluate the premium and discounts
While choosing a car insurance policy, compare the premiums offered by different insurance companies. It is essential to strike a balance between affordable premiums and adequate coverage. Additionally, inquire about any discounts or offers that the insurer provides. Common discounts include No Claim Bonus (NCB) for claim-free years, discounts for installing anti-theft devices, and discounts for members of certain organizations or professions. Taking advantage of these discounts can help reduce your premium amount significantly.5. Seek recommendations and expert advice
If you are unsure about which car insurance policy to choose, consider seeking recommendations from friends, family, or colleagues who have already gone through the process. Their insights and experiences can provide valuable guidance in making the right decision. Alternatively, you can consult with an insurance advisor or agent who can analyze your requirements and suggest suitable options based on your specific needs.Final thoughts
Selecting the right car insurance policy requires careful consideration and research. By understanding your requirements, comparing plans, considering add-ons, and evaluating the claim settlement ratio and reputation of the insurer, you can make an informed decision. Remember to provide accurate information, read the terms and conditions, and consider the network of garages and premium amounts. Seeking recommendations and expert advice can also be beneficial. By following these key tips, you can choose a car insurance policy that provides comprehensive coverage and financial protection for your vehicle.Also Read : Buying a Good Used Car: 5 Essential Steps
2023.06.09 09:52 druska0 Any tips on deciding between two job offers? PPC manager position
Hey guys, it's been a couple days since I got both job offers and I just can't make a final decision. Any tips will be greatly appreciated!
How the offers are similar:
submitted by druska0 to careerguidance [link] [comments]
How the offers are similar:
- Same salary and it's a good one;
- Work with Google Ads only (which I'm really happy about since now I usually work with many different platforms and want to specialize);
- Both companies are really successful start-ups. Though the industries are different (tech and marketing tools).
- Flexibility. One place offers flexible working hours and location, there is an office if you want a designated work space but you're also able to travel and work from where you want. This is great because sometimes my partner and I travel while working.
- The same place has amazing work culture. I clicked with everyone I met there and I felt that our values really aligned.
- Also, in this position I would have a lot of flexibility and freedom to try strategies that I want as I would be the only one responsible for Google Ads. At the same time, it means that I would have to deal with all the issues myself. They offer learning budget though, for classes, conferences, etc. It's more of a "growing with the company together" situation.
- The other place has usual fixed working hours and most of the days I would have to work from the office. It's not ideal but I would get used to this new routine.
- They spend A LOT on ads and seem to have really good systems and processes in place. They have a strict hierarchy and there always would be people above me that I could consult with or learn from.
- They also offer some perks like private health insurance, fitness training sessions, etc. Although this isn't a top priority for me.
2023.06.09 09:44 commercialprojects12 The Advantages and Disadvantages of SCO Plots
The land pooling policy of the Haryana government has been a subject of much debate in recent times. While some believe that it is a much needed step to address the housing crisis in the state, others believe that it will lead to displacement of farmers and also cause environmental damage. In this blog, we take a look at the advantages and disadvantages of SCO plots, which are a type of housing development that has been proposed under the land pooling policy.
The advantages of SCO plots are that they are:
Krisumi Waterfall Suites Gurgaon
Hero homes plots Gurgaon
M3M Sector 58 Gurgaon
Property in Gurugram
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The advantages of SCO plots are that they are:
- A cost effective way to develop housing: SCO plots are cheaper to develop than apartments, as the cost of land is shared between multiple families. This makes them a more affordable option for middle-class families.
- A sustainable way to develop housing: SCO plots are developed on agricultural land that is not suitable for farming. This means that there is no loss of agricultural land and no environmental damage.
- A flexible way to develop housing: SCO plots can be developed according to the needs of the families. This means that families can have a say in the design and layout of their homes.
- A fast way to develop housing: SCO plots can be developed much faster than apartments, as there is no need for construction of external infrastructure such as roads and sewerage.
- A risk to the environment: SCO plots are developed on agricultural land that is not suitable for farming. This means that there is a risk of environmental damage, as the land may not be able to support the weight of the homes.
- A risk to the farmers: SCO plots are developed on agricultural land that is not suitable for farming. This means that there is a risk of displacement of farmers, as they will not be able to cultivate the land.
- A risk to the quality of life: SCO plots are developed on agricultural land that is not suitable for farming. This means that there is a risk of reduced quality of life, as the land will not be able to support the same level of human activity.
Why SCO Plots May Be the Right Choice for You?
There are many reasons why you should consider SCO Plots in Gurgaon for your next investment. Here are just a few of the many advantages that SCO Plots have to offer:- Proximity to Delhi: Gurgaon is just a stone's throw away from Delhi, making it the perfect location for those who want to invest in property close to the national capital.
- Affordable pricing: SCO Plots in Gurgaon are very affordable, making them a great option for those who are looking to invest in property on a budget.
- Excellent infrastructure: Gurgaon has excellent infrastructure, making it the perfect location for setting up a business or for living.
- Good connectivity: Gurgaon is very well connected to the rest of the country, making it an ideal location for those who want to invest in property in a strategic location.
- A booming economy: Gurgaon is one of the fastest-growing economies in the country, making it a great choice for those who want to invest in property in a growing market.
- A vibrant city: Gurgaon is a vibrant city, with a lot to offer in terms of entertainment, dining, and shopping. This makes it an ideal location for those who want to invest in property in a city that has a lot to offer.
- A hub for businesses: Gurgaon is a major hub for businesses, with many multinational companies setting up their headquarters here. This makes it an ideal location for those who want to invest in property in a city that is a major business hub.
- A favorable climate: Gurgaon has a favorable climate, making it a great choice for those who want to invest in property in a city that has good weather all year round.
- A booming real estate market: Gurgaon's real estate market is booming, making it a great choice for those who want to invest in property in a city that has a lot of potential for growth.
Krisumi Waterfall Suites Gurgaon
Hero homes plots Gurgaon
M3M Sector 58 Gurgaon
Property in Gurugram
2023.06.09 09:41 Gattusso02 Monster Hunter Rise: Sunbreak
 | submitted by Gattusso02 to PSTrophyHuntersPH [link] [comments] https://preview.redd.it/jgcbfg5l4y4b1.jpg?width=1920&format=pjpg&auto=webp&s=0b5564ab5919648f23473b3f0d7c2b397b5928c8 Monster Hunter Rise: Sunbreak Time: 200 hrs + 100% Clear: 400 hrs + Difficulty: 7.5/10 The Monster Hunter franchise returns with the previously Nintendo exclusive finally getting its release on PlayStation. Prepare for one long, grindy and fulfilling ride collecting monster crowns all over again. This guide will now include the massive Sunbreak DLC complete with new monsters and better end game gear to make your platinum or 100% completion more efficient. Trophy Guide Powerpyx Trophy Guide for Monster Hunter Rise Powerpyx Trophy Guide for Monster Hunter Rise: Sunbreak Full credit to Powerpyx for the guides. Wiki Guides https://game8.co/games/Monster-Hunter-Rise https://monsterhunterrise.wiki.fextralife.com/Monster+Hunter+Rise+Wiki Credit to Game8 and Fextralife for the excellent wikis. Game8 has the more comprehensive guide complete with locations on where to farm certain items, along with equipment builds and other very useful information. Best to choose one of those builds as your base and swap out armors and skills along the way to find the build perfect for you. Fextralife has a more tabulated approach on the info that helps you get a quick glance on what you are looking for with lesser clicks but may have only concise information compared to Game8. For example, If you are looking for an item drop from a small monster, Fextralife will show you drop rates and which map to visit for your hunt. Game8 will give you a little more and show you the areas in the map where these small monsters are located. Intro If you're a beginner to the game or the series in general, the beginning sections and tutorials will naturally be quite overwhelming. Take things one step at a time, find a weapon that fits your play style best and enjoy the ride until you get a decent amount of monster hunts in to familiarize yourself with the game. There will be tons of things to tweak and learn about on this game and no single article can give justice to the complexities of how to fully optimize your experience so additional research is recommended. Treat this article as a supplementary guide. Efficiency Tips Enjoy the story and progress through the main quest line as soon and as often as you can. The reason for this is as you progress through the story and your hunter rank increases, more equipment upgrades will be available to you along with the ability to upgrade the base defense of your gear further which unlocks incrementally as you increase in rank. The more defense you have means the more hits you can take and less healing items you consume which you can spend learning the monsters moves and hitting it. Work on the 🏆 Beat-up Construction Kit as soon as possible and unlock all camp site locations on each map so you can fast travel conveniently closer to your target's location. Materials List and Locations can be found here on Game8 to search for your gear and quest requirements. Browse it or simply drop the item you are looking for on the search bar. Blights and Status Ailments Explained and their Cures is explained best in GadgetGabe's Top Voted answer from this GameFAQs forum. Use this wisely to cure yourself ASAP and stay at tip top shape for your fight. You can eventually customize your item load outs when hunting particular monsters. Register an inventory and radial menu layout that is best for your hunt and tweak it accordingly if you are working on a solo hunt or are in a group. You can set up your action bar (the bar that uses the left and right d-pad) too. Learn about monster elemental and ailment weaknesses, weak points and parts that you can sever to improve your success rate in a fight. E.g. Flash bombs work well on monsters in flight. Severing a Pukei-pukei's tail makes the monster incapable of it's wide poison gas attack. Monster Elemental and Ailment Weaknesses and Immunities credit to Pro Game Guides. Monster Hunter Rise explains monster elemental weaknesses well but does not give too much of a description of what elements the monster utilizes against you. To learn that and build the right resistances, refer to the Fextralife MHR Wiki. As you progress through your hunts, make sure to pick up any hunting helpers and golden/gilded spiribugs along the way. You will need 500 and 1000 respectively for the trophies 🏆 Hunting Helpers Plate and 🏆 Golden Spiribug Plate. If you want to farm Spiribugs exclusively, this video shows an excellent route while displaying some skills on speedy map traversal. When you are in town, there will be times when you will be prompted that a sale is ongoing from the two merchants. Always take action on this prompt and participate in the lottery that is only available during this sale to progress towards the 12 room decorations you need to win as part of the 🏆 Sturdy Padlock. If the grand prize of the lottery is a room decoration, you have to roll a Jackpot (different from a Bingo) to win it. Even if the grand prize is not a room decoration, you are given a required room decoration for winning 100 items in the lottery. https://preview.redd.it/umkifupr4y4b1.jpg?width=1280&format=pjpg&auto=webp&s=59415edcabf6cce7231f813358e6ec80bd52d995 https://preview.redd.it/r14333es4y4b1.jpg?width=1640&format=pjpg&auto=webp&s=cacf53afbec816fd78f9567c2dc513e080f83c1d 🏆 Extravagant Cashbox Awarded for earning 1,000,000 Zenny. The fastest method to earn zenny is by participating in the 2 Star Low Rank Event Quest - Gotta Hoard Fast!. It can be done with a group in 1 minute and rewards you with a Golden Egg which you can sell to the merchant for 20,000z. Use whenever you are short on money. This is also the best quest to use if you want to trigger merchant sales quickly and roll on the lottery. Using your silk bind/aerial moves to deliver mount damage (indicated by a blue cloud background on the damage inflicted) is a good tactic to learn and master. Arekkz Gaming's Monster Riding Tutorial video explains this well. You can also scout the area where you mount the monster and bump him into special areas on the map that will deal extra damage. High Rank Quests An Armorcharm and Powercharm will now be available to purchase from the two item merchants. These work as permanent stat increases as long as you have them in your Item Pouch. When you reach HR7, you will eventually be able to upgrade these charms into Armortalon and Powertalon. These stack and you may repurchase Armorcharm and Powercharm and hold all four items in your Item Pouch. Decorations will unlock from the Smithy and the Melding Pot will unlock from the item merchants. This would be a good time to study the skills you have available in conjunction with your armor skills and start creating defensive/offensive load outs based on what you are up against. For talisman crafting via the Melding Pot, craft out the desired skill you need and use accordingly. Once you have your talisman of choice, always roll with Melding - Wisp of Mystery and Melding - Rebirth (unlocks last on a higher HR). They will cost more materials to craft, but will also have better chances of a Rarity 7 Talisman with more skills and better decoration slots. Prepare status resistances/immunities depending on the monsters you are up against and build up defense, elemental defense and even add elemental attack against them as well. Take note that elemental attack increases on skills only increases an existing element on weapons (or elemental ammo for bowguns) and can not create an element from a non-elemental weapon source. For more on elemental damage and elemental resistances, see Fextralife's articles linked accordingly. Armorskin and Demondrug and their corresponding Mega version are items consumed once and will last until you faint or complete the quest. Invest in them as soon as you have the zenny to afford them. You will need to farm Pale Extract from the monster Khezu or purchased as a rare find in the Argosy to craft the mega drugs. You may also choose to deploy the meowcenaries to fight a Khezu to increase your item farm. Master Rank Quests and Sunbreak Content With Sunbreak comes a whole new base map and two new locations to explore. Like the base game, there are a number of trophies that involve you interacting with the townsfolk and the goods and services they have to offer. Refer to this video guide for a checklist of what you need to be doing after every quest to cover the trophies 🏆 Snowy Cohoot Minipouch, 🏆 Secret Honey Jar, 🏆 Unbreakable Bag, 🏆 Solid Padlock, 🏆Polychrome Acorn and 🏆 Sojourn Necklace. 🏆 Solid Padlock requires another set of items you need to win in the lottery but take note that the Gargolda Statue only starts appearing after you take a picture of it. Take a daytime expedition for a photo of the creature. Gamer Guru's video shows you how to do it. Refer to Game8's Eurekacorn article for more ways on farming Eurekacorns for your Polychrome Acorn trophy. Efficiency Tip: Target an expedition with a Herb Node in the Frost Islands together with a Khezu Node for both Eurekacorns and Pale Extracts. For efficient map traversal, unlock the alternative camp sites on the two new Sunbreak areas along with the new buddy recon points. You will have to unlock 2 recon points per map, for a total of 12 for 🏆 Buddy Whistle. Darcblade has an excellent video guide to cover this. Crown Hunting 🏆 Mini Crown Plaque and 🏆 Gold Crown Plaque will most likely be the last trophies you will get in the game as these are very grindy to obtain. These entail slaying or capturing the smallest and largest versions of each monster, awarding you a gold crown on your Hunter's Notes. An alternative grouped view of all your crowns can be found in OPT -> Multiplayer -> Guild Cards -> View -> L1 for Hunting Log. Unlike MH World, Rise does not include a crown notification in the points reward section after a hunt. You will have to check your Hunter Notes manually. You do get a prompt of "Monster Size Updated" right after the kill or capture though as your best indicator of a possible crown. Crown Hunting Tips and Drop Rates explained by Luke Albigés of TrueAchievements Efficient Strategy You will want to clear out all the crowns you can possibly obtain from the quests with the 100% chance or boosted crown rate quests. For everything else, learn how to crown snipe to save time and not waste too much time on normal sized targets. If your are sure that your target monster is not a crown size, abort your quest and start a new one. Take note that you need to capture/kill 10 monsters of each type for their respective monster scroll to progress on your 🏆 Sturdy Padlock so anything close to a perceived small or large crown would be worth the kill. The Sunbreak Expansion and Master Rank buffs up the crown monsters appearance rate to as high as 10% for large and 6% for minis. You are best saving the crown hunt for last as you have to tackle Anomaly Investigations for the Sunbreak 🏆 Bahari's Hand Wound Birdie, which entails you earning and spending 3000 Investigation Coins as rewards for these type of quests along with clearing out every single Master Rank quest for the 🏆 Record of Utmost Valor - Master and clearing out 1-4 star anomaly quests for the 🏆 Painting - Crimson Nightmare. There are a total of 7 1-star anomaly quests to unlock and 8 quests for 2-4 stars. There is a good chance that you will be earning majority of these crowns along your progression towards these three trophies with minimal crown cleanup. Videos for Monster Measurements As of this writing, there seems to be a lack of content on Large and Mini Gold Crowns for MH Rise. Below is video clips to give some clues on how these monster sizes will look when you encounter them. Monster sizes with 100% chance drop quests will be excluded from this segment. Kiranico has an excellent large monster guide which also displays the recommended quest to participate in with corresponding crown percentages. Anomaly Investigation quest monsters have fixed sizes and will never yield any crowns. The normal Anomaly Quests will share the same 6% small and 10% large crown chance as the MR quests. Base Game Crowns Anjanath Mini Gold Crown Barioth Large Gold Crown Barioth Mini Gold Crown Barroth Mini Gold Crown Chameleos Large Gold Crown Chameleos Mini Gold Crown Great Izuchi Large Gold Crown Great Izuchi Mini Gold Crown Ku-Lu-Yaku Large Gold Crown Ku-Lu-Yaku Mini Gold Crown Kushala Daora Mini Gold Crown Lagombi Large Gold Crown Rakna-Kadaki Large Gold Crown Rathalos Mini Gold Crown Royal Ludroth Large Gold Crown Teostra Large Gold Crown Teostra Mini Gold Crown Sunbreak Crowns There are only 16 additional monsters tied up to the crown trophies for Sunbreak which are the monsters that were available at the original release of the game. You will need these 16 monsters along with all the base game crowns for the 🏆 Miniature Crown Shield and 🏆 Gold Crown Shield to unlock. Refer to the Gold Crown Shield segment of Powerpyx's guide for the full list. Astalos Large Gold Crown Aurora Somnacanth Mini Gold Crown Gore Magala Large Gold Crown Malzeno Large Gold Crown Pyre Rakna-Kadaki Large Gold Crown Scorned Magnamalo Large Gold Crown Miscellaneous Grind 🏆 Antique Bookmark Achieved by collecting all 60 Relics scattered over the 5 available maps. Powerpyx's guide for all Relic Locations shows these well. There is a correction to the linked article however, as it is mentioned there that the Rampage Relics unlock after collecting all 10 other Relics per map but is incorrect (unsure what triggers rampage Relic availability but I had access to them at 5 star quest availability on Village and Hub quests). To track the relics you have collected already, go to OPT -> Info -> Hunter Notes -> Notebook. Gaming with Abyss has good Monster Hunter trophy content and shows locations of each relic per map clearly on his videos. Shrine Ruins Frost Islands Flooded Forest Sandy Plains Lava Caverns Other Useful Information Affinity vs Raw Damage is discussed well on this steamcommunity forum. The difference between KO/Stun and Trip is explained will in this article. Note that KO and Stun status are the same (in game and articles call it one or the other so this can be confusing) but Trip status is different. Critical Boost at level 1 raises damage dealt by critical hits by 5%. Your critical hits are already at a base amplified damage of 25% (not mentioned in-game). This could be deceiving due to the in-game skill definition. Palamutes and Palicos you bring on the hunt increase your ease and efficiency and are best slotted with the best gear for your playstyle. Game8 has an excellent buddy guide that discusses end game builds. Use the Basic behavior if you are running a melee focused buddy and Follow if you are using a ranged buddy. This is discussed thoroughly by CheaterMcCheat. On solo hunts, don't let the common combo of 1 Palico and 1 Palamute mold you to run with that as there are several builds that utilize 2 Palicos or 2 Palamutes in one hunt. For example, you may want to use a double Palamute with C Jelly Travel Bag X weapon on the Best Equipment For Sunbreak (Ranged)segment. Accompanied with the Palamute Silkbinder, this build can provide excellent monster control. Ordering Motley Mixes in the canteen nets you dango tickets as a reward. Claim it from the chef after some orders and use the tickets with hopping skewers on your harder hunts. Latent Power skill is triggered by an internal timer upon monster encounter and attack animations and is explained here on Fextralife's wiki. Auto-shoutouts are useful for your party and even yourself. You can program these auto shoutouts via OPT -> Multiplayer -> Chat Menu -> Triangle and click on the field under Text to program what you want to shout-out, choose the box under speech timing to choose the condition. These conditions aren't fixed and you have more to choose from. The most useful ones are the auto shoutouts for "When you set a trap" and "When a monster is limping" where the monster enters the blue icon state and is capturable if it is not an elder, apex or afflicted monster. Weapon Specific Notes Light Bowgun Light Bowgun Basic Moves and Ammo Types credit to Phemeto Pay attention to the color of your reticle. An orange reticle tells you that your ammo type is in its ideal range and will deal its intended damage. A yellow reticle means your shots will hit, but will be significantly weaker. The Fanning Vault Silkbind skill is best used with your Wyvernblast special ammo. Press circle while you are directly under the monster to plant a bomb directly on it. You will be replacing this with the Switch Skill Fanning Maneuver for end game builds. Ammo Details can be found by going to Items and Equipment (opt button) -> Equipment Info -> Ammo Details (square) You will normally run out of your full magazine of your most desired ammo. To minimize returning to camp, bring the materials you need to craft that ammo and set it on your radial menu. Also, avoid bringing the ammo type you never use to keep your ammo menu as decluttered as possible for efficient ammo switching. It is encouraged to bind the ammo you use and their craft commands in your radial menu as well. Recoil is the delay between firing shots (different from Reload delay). Lower recoil = Faster Attack Speed Deviation is the drift of the bullets when you fire. If you have a weapon with deviation, it will travel center for a medium distance then swerve to the L or R depending on the strength of the deviation. Targeting "No deviation" is ideal. Decorations can be crafted to reduce Reload, Recoil and Deviation. Light Bowgun Weapon & Armor Skills Bombardier skill does not work with any ammos, including sticky, cluster, or wyvernblast. Normal/Rapid Up skill improves Normal Ammo damage by 5%/10%/20% and stacks with the skill Rapid Fire Up which enhances rapid fire damage also by 5%/10%/20% Great Sword Recommended Switch Skills are Tackle, Rage Slash (RS), and Adamant Charged Slash (ACS). All three can tank monster attacks (no knockbacks) and negates roar effects. Tackle is the bread and butter during roars and quick monster attacks since its easy to trigger, You can use Adamant Charged Slash for positioning, and Rage Slash to land your last charged attack on your desired direction, which True Charged Slash Skill cant do. How to Unlock: Adamant Charged Slash - Unlocked by crafting/upgrading 8 different Greatswords, no duplicates. Replaces the Hunting Edge skill. Rage Slash - Unlocked by completing the quest "Grasp the Greatsword" (HR5 Quest). Replaces the True Charged Slash skill. Low Rank Entry GS - Crit Eye Build Low Rank GS - Crit Draw Build - 80% Affinity on Overhead and Charged Slash High Rank GS Build - 90% Affinity on Weakpoints + Focus 3 Several members of the PSTHPH team contributed to the making of this guide. There is an ongoing issue with this article preventing further edits. Please check the comments for more. |
2023.06.09 09:41 Remarkable_Tea5598 20 pay life insurance with state farm for 100k- monthly is $117
I started having a life insurance when I was 24 y/o back in dec 2018 and to think about it now, it feels like im overpaying for my life insurance, and if I stop paying it's a waste since they won't give all the money back. Lol!
Is there any good life insurance out there besides state farm? Thank you!
submitted by Remarkable_Tea5598 to LifeInsurance [link] [comments]
Is there any good life insurance out there besides state farm? Thank you!
2023.06.09 09:38 Secret-Visit-3541 my auto insurance refused my claim because i was driving for doordash
i was on an active delivery for doordash when i was making a right turn and got hit. though it was night and hard to see, technically i was at fault because i’d ‘failed to yield’ on a right turn. basically my little old ford focus was totaled that night, and its not too big of a deal because it had a lot of problems and id been saving up already for a better car. on the other hand, i happened to collide with a brand new looking land rover:/ so when it happened, the guy pulled so far down the street before stopping that i couldn’t see how bad the damage was on his car. anyways, the police arrived pretty quickly and exchanged insurance info for us. so the next morning i called my insurance and told them what happened and this is where i fucked up:
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
submitted by Secret-Visit-3541 to DoorDashDrivers [link] [comments]
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
- will doordash deny my claim because i didn’t have the rideshare/delivery add-on from my insurance?
- even though i was on the way to the customers house with the food when i crashed, how can i be sure that they don’t try to deny that i was on an active delivery? about 20 minutes after i crashed i had contacted the customer and told her that i had gotten into an accident and wouldn’t be able to deliver her food so she should contact customer service and cancel her order for her money back. and then the order was cancelled. i also then called customer service and told them i was in an accident and all they did was made sure the order was cancelled. does anyone know if doordash has access to all of my deliveries and even if they were cancelled? also on the police report, he wrote down the time that it was reported and somewhere in the doordash system should show i was on an active delivery at that very time.
2023.06.09 09:38 transcribersofreddit sadcringe Image "Sequel to the weirdo from high school (hes 32 or 33 now). He is absolutely delusional and lives with his parents in the bay area"
 | submitted by transcribersofreddit to TranscribersOfReddit [link] [comments] |
2023.06.09 09:37 Secret-Visit-3541 my auto insurance refused my claim because i was driving for doordash
i was on an active delivery for doordash when i was making a right turn and got hit. though it was night and hard to see, technically i was at fault because i’d ‘failed to yield’ on a right turn. basically my little old ford focus was totaled that night, and its not too big of a deal because it had a lot of problems and id been saving up already for a better car. on the other hand, i happened to collide with a brand new looking land rover:/ so when it happened, the guy pulled so far down the street before stopping that i couldn’t see how bad the damage was on his car. anyways, the police arrived pretty quickly and exchanged insurance info for us. so the next morning i called my insurance and told them what happened and this is where i fucked up:
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
submitted by Secret-Visit-3541 to doordash_drivers [link] [comments]
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
- will doordash deny my claim because i didn’t have the rideshare/delivery add-on from my insurance?
- even though i was on the way to the customers house with the food when i crashed, how can i be sure that they don’t try to deny that i was on an active delivery? about 20 minutes after i crashed i had contacted the customer and told her that i had gotten into an accident and wouldn’t be able to deliver her food so she should contact customer service and cancel her order for her money back. and then the order was cancelled. i also then called customer service and told them i was in an accident and all they did was made sure the order was cancelled. does anyone know if doordash has access to all of my deliveries and even if they were cancelled? also on the police report, he wrote down the time that it was reported and somewhere in the doordash system should show i was on an active delivery at that very time.
2023.06.09 09:36 SorbetSuccessful731 Crop Management Software Market Unidentified Segments – The Biggest Opportunity Of 2023
A Latest intelligence report published by AMA Research with title "Global Crop Management Software Market Outlook to 2027. This detailed report on Crop Management Software Market provides a detailed overview of key factors in the Global Crop Management Software Market and factors such as driver, restraint, past and current trends, regulatory scenarios and technology development.
Crop management software refers to an application that allows farmers to organize all of their crop information in a centralized location. The crop management software helps the farmers to coordinate every aspect of farm management to improve productivity and farm operations. With the help of this software, farmer can keep tabs on the condition of their crops, farm activities, workers and farm equipment. It also helps farmers to organize the information about harvesting, shipping, planting seasons, packaging, and spray records. Crop management software can be used to see the cost of production and important field activities.
Major Players in this Report Include are:
Dragonfly IT (Canada)
AgWorks L.L.C. (United States)
Agrinavia (Denmark)
Agvance (United States)
Dairy One (United States)
FarmFlo (Ireland)
Cropio (United States)
Conservis (United States)
Topcon Corporation (Japan)
GEA Group (Germany)
Tetra Laval group (DeLaval) (Switzerland)
Agrivi (United Kingdom)
Market Drivers: Increasing Focus towards Farm Efficiency Globally
Growing Demand for Traceability in the Food Supply
Market Trend: Rising Demand for Fleet Navigation and Fish Tracking Services
Penetration of Cloud in Farm Data
Opportunities: Increasing Use of Mobile by Farmers Creates an Opportunity for the Crop Management Software
The Global Crop Management Software Market segments and Market Data Break Down by Application (Crop Tracking & Management, Weather Monitoring, Analytics and Report, Labor & Resource Tracking, Others), Components (Software, Service), Deployment Mode (Mobile Based, Cloud-Based), Agriculture Type (Precision Farming, Livestock Monitoring, Fish Farming, Smart Greenhouse Farming, Others), Service Type (System Integrators, Assisted Professional Service, Connectivity Service, Maintenance, Upgradation, Others)
Geographically World Crop Management Software markets can be classified as North America, Europe, Asia Pacific (APAC), Middle East and Africa and Latin America. North America has gained a leading position in the global market and is expected to remain in place for years to come. The growing demand for Global Crop Management Software markets will drive growth in the North American market over the next few years.
Presented By
AMA Research & Media LLP
submitted by SorbetSuccessful731 to u/SorbetSuccessful731 [link] [comments]
Crop management software refers to an application that allows farmers to organize all of their crop information in a centralized location. The crop management software helps the farmers to coordinate every aspect of farm management to improve productivity and farm operations. With the help of this software, farmer can keep tabs on the condition of their crops, farm activities, workers and farm equipment. It also helps farmers to organize the information about harvesting, shipping, planting seasons, packaging, and spray records. Crop management software can be used to see the cost of production and important field activities.
Major Players in this Report Include are:
Dragonfly IT (Canada)
AgWorks L.L.C. (United States)
Agrinavia (Denmark)
Agvance (United States)
Dairy One (United States)
FarmFlo (Ireland)
Cropio (United States)
Conservis (United States)
Topcon Corporation (Japan)
GEA Group (Germany)
Tetra Laval group (DeLaval) (Switzerland)
Agrivi (United Kingdom)
Market Drivers: Increasing Focus towards Farm Efficiency Globally
Growing Demand for Traceability in the Food Supply
Market Trend: Rising Demand for Fleet Navigation and Fish Tracking Services
Penetration of Cloud in Farm Data
Opportunities: Increasing Use of Mobile by Farmers Creates an Opportunity for the Crop Management Software
The Global Crop Management Software Market segments and Market Data Break Down by Application (Crop Tracking & Management, Weather Monitoring, Analytics and Report, Labor & Resource Tracking, Others), Components (Software, Service), Deployment Mode (Mobile Based, Cloud-Based), Agriculture Type (Precision Farming, Livestock Monitoring, Fish Farming, Smart Greenhouse Farming, Others), Service Type (System Integrators, Assisted Professional Service, Connectivity Service, Maintenance, Upgradation, Others)
Geographically World Crop Management Software markets can be classified as North America, Europe, Asia Pacific (APAC), Middle East and Africa and Latin America. North America has gained a leading position in the global market and is expected to remain in place for years to come. The growing demand for Global Crop Management Software markets will drive growth in the North American market over the next few years.
Presented By
AMA Research & Media LLP
2023.06.09 09:32 Secret-Visit-3541 my auto insurance refused my claim because i was driving for doordash
i was on an active delivery for doordash when i was making a right turn and got hit. though it was night and hard to see, technically i was at fault because i’d ‘failed to yield’ on a right turn. basically my little old ford focus was totaled that night, and its not too big of a deal because it had a lot of problems and id been saving up already for a better car. on the other hand, i happened to collide with a brand new looking land rover:/ so when it happened, the guy pulled so far down the street before stopping that i couldn’t see how bad the damage was on his car. anyways, the police arrived pretty quickly and exchanged insurance info for us. so the next morning i called my insurance and told them what happened and this is where i fucked up:
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
submitted by Secret-Visit-3541 to doordash [link] [comments]
“i was driving for doordash and”
i want to make note that i’m 18, i just moved out and my dad was the one paying for my insurance because i was on his plan, so i had no idea of any rideshare add ons to the insurance because id never had to deal with that.
basically the moment i told the insurance agent that i was delivering for doordash, she told me that i wouldn’t be covered for myself OR the other party and that i should he expecting an email or call back with a formal denial.
panicking, i researched and researched if doordash had any kind of insurance that i could rely on and turns out they do, but only for the other party. and only if i was on an active delivery (which i was). currently i’m waiting on the formal denial letter from my insurance so that i can open a claim for doordash, but the two things i’m so worried about are
- will doordash deny my claim because i didn’t have the rideshare/delivery add-on from my insurance?
- even though i was on the way to the customers house with the food when i crashed, how can i be sure that they don’t try to deny that i was on an active delivery? about 20 minutes after i crashed i had contacted the customer and told her that i had gotten into an accident and wouldn’t be able to deliver her food so she should contact customer service and cancel her order for her money back. and then the order was cancelled. i also then called customer service and told them i was in an accident and all they did was made sure the order was cancelled. does anyone know if doordash has access to all of my deliveries and even if they were cancelled? also on the police report, he wrote down the time that it was reported and somewhere in the doordash system should show i was on an active delivery at that very time.
2023.06.09 09:29 Redbeard0044 Job postings need the salary stated
Places like Trade Me, Seek etc should really have salary as a mandatory detail to all job postings. This really needs to be made a social norm for all job position advertisements, it's frankly unethical to not disclose a salary range as it preys on the shy, uncertain and/or newer hires who would likely get taken advantage of by (what seems like most companies advertising).
submitted by Redbeard0044 to newzealand [link] [comments]
2023.06.09 09:16 AlternativeClerk5070 RPM Billing
RPM Billing Services
RPM Billing Services is a leading provider of comprehensive and efficient billing solutions for healthcare professionals. Our primary objective is to streamline the billing process, optimize revenue generation, and ensure accurate and timely reimbursement for our clients. With our extensive expertise and advanced technological capabilities, we enable healthcare organizations to concentrate on delivering exceptional patient care while we handle their billing requirements.
Our Range of Services:
Medical Coding:
Our team of certified coders meticulously assigns accurate codes to medical procedures, diagnoses, and services in adherence to industry standards. Precise coding plays a critical role in maximizing revenue and minimizing claim denials.
Claims Submission:
We take charge of the complete claims submission process, from verifying patient insurance coverage to submitting claims electronically or in paper format when necessary. Our professionals diligently review claims for any errors or missing information to minimize the chances of claim rejections.
Claims Follow-up:
Proactive claim follow-up is a crucial aspect of our services. Our dedicated team communicates directly with insurance companies, resolving any claim issues, and resubmitting claims if required. Our aim is to minimize the reimbursement turnaround time.
Payment Posting:
Accurate payment posting is essential to ensure proper revenue recognition. Our team efficiently posts payments received from insurance companies and patients into your practice management system. We conduct detailed reconciliation of payments against billed amounts and promptly identify any discrepancies.
Denial Management:
Our systematic approach to denial management involves identifying the root causes of claim denials, appealing unjustified denials, and implementing corrective measures to minimize future occurrences. By improving the first-pass claim acceptance rates, we help optimize revenue for your practice.
Patient Billing and Collections:
We handle all aspects of patient billing, including statement generation and distribution. Our team is well-equipped to handle patient inquiries and resolve billing disputes promptly. Our focus is on enhancing patient satisfaction while ensuring effective collections for your practice.
Reporting and Analytics:
We provide comprehensive reports and analytics that offer valuable insights into your practice's financial performance. Our reports encompass key performance indicators, reimbursement trends, and actionable suggestions for improvement. Our data-driven approach empowers you to make informed decisions to enhance your practice's financial success.
Why Choose RPM Billing Services?
Expertise:
Our team consists of experienced billing professionals who possess in-depth knowledge of the latest industry regulations and coding guidelines. We bring a wealth of expertise to the table, ensuring optimal revenue generation for your practice.
Technology:
We leverage state-of-the-art billing software and advanced technologies to streamline the billing process, automate tasks, and minimize errors. Our secure systems guarantee data confidentiality and compliance with industry standards.
Customization:
We understand that every healthcare organization has unique billing requirements. Therefore, we tailor our services to align with your specific needs and workflow, facilitating seamless integration with your practice.
Transparency:
We maintain transparent communication with our clients and provide regular updates on the billing process, payments, and financial performance. Through our secure client portal, you can access real-time billing data and stay informed at all times.
Cost-effectiveness:
Outsourcing your billing needs to RPM Billing Services can result in significant cost savings for your practice. By reducing administrative burdens and optimizing revenue cycles, we contribute to the overall financial success of your organization.
submitted by AlternativeClerk5070 to u/AlternativeClerk5070 [link] [comments]
RPM Billing Services is a leading provider of comprehensive and efficient billing solutions for healthcare professionals. Our primary objective is to streamline the billing process, optimize revenue generation, and ensure accurate and timely reimbursement for our clients. With our extensive expertise and advanced technological capabilities, we enable healthcare organizations to concentrate on delivering exceptional patient care while we handle their billing requirements.
Our Range of Services:
Medical Coding:
Our team of certified coders meticulously assigns accurate codes to medical procedures, diagnoses, and services in adherence to industry standards. Precise coding plays a critical role in maximizing revenue and minimizing claim denials.
Claims Submission:
We take charge of the complete claims submission process, from verifying patient insurance coverage to submitting claims electronically or in paper format when necessary. Our professionals diligently review claims for any errors or missing information to minimize the chances of claim rejections.
Claims Follow-up:
Proactive claim follow-up is a crucial aspect of our services. Our dedicated team communicates directly with insurance companies, resolving any claim issues, and resubmitting claims if required. Our aim is to minimize the reimbursement turnaround time.
Payment Posting:
Accurate payment posting is essential to ensure proper revenue recognition. Our team efficiently posts payments received from insurance companies and patients into your practice management system. We conduct detailed reconciliation of payments against billed amounts and promptly identify any discrepancies.
Denial Management:
Our systematic approach to denial management involves identifying the root causes of claim denials, appealing unjustified denials, and implementing corrective measures to minimize future occurrences. By improving the first-pass claim acceptance rates, we help optimize revenue for your practice.
Patient Billing and Collections:
We handle all aspects of patient billing, including statement generation and distribution. Our team is well-equipped to handle patient inquiries and resolve billing disputes promptly. Our focus is on enhancing patient satisfaction while ensuring effective collections for your practice.
Reporting and Analytics:
We provide comprehensive reports and analytics that offer valuable insights into your practice's financial performance. Our reports encompass key performance indicators, reimbursement trends, and actionable suggestions for improvement. Our data-driven approach empowers you to make informed decisions to enhance your practice's financial success.
Why Choose RPM Billing Services?
Expertise:
Our team consists of experienced billing professionals who possess in-depth knowledge of the latest industry regulations and coding guidelines. We bring a wealth of expertise to the table, ensuring optimal revenue generation for your practice.
Technology:
We leverage state-of-the-art billing software and advanced technologies to streamline the billing process, automate tasks, and minimize errors. Our secure systems guarantee data confidentiality and compliance with industry standards.
Customization:
We understand that every healthcare organization has unique billing requirements. Therefore, we tailor our services to align with your specific needs and workflow, facilitating seamless integration with your practice.
Transparency:
We maintain transparent communication with our clients and provide regular updates on the billing process, payments, and financial performance. Through our secure client portal, you can access real-time billing data and stay informed at all times.
Cost-effectiveness:
Outsourcing your billing needs to RPM Billing Services can result in significant cost savings for your practice. By reducing administrative burdens and optimizing revenue cycles, we contribute to the overall financial success of your organization.
2023.06.09 09:11 Happy_Cookies 14 Days to get Car Insurance Coverage?
I recently moved to LA and bought a car to get to my job starting next week. I've checked all the major car insurance providers, and none seem to be able to insure in less than 2 weeks. For all other states I test, these providers give same-day coverage.
Why is California different? How are people supposed to get a car if they can't drive it for 2 weeks after they buy it? Is there any work around to this?
submitted by Happy_Cookies to AskLosAngeles [link] [comments]
Why is California different? How are people supposed to get a car if they can't drive it for 2 weeks after they buy it? Is there any work around to this?