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Wealth Formula Episode 372: What You Need to Know About AIv

2023.06.08 22:43 Buck_Joffrey Wealth Formula Episode 372: What You Need to Know About AIv

Catch the full episode: https://www.wealthformula.com/podcast/372-what-you-need-to-know-about-ai/
Buck: Welcome back to the show, everyone, today. My guest on Wealth Formula podcast is Shashank Shekhar, founder of Insta Mortgage. After starting his business in possibly the worst year for financial markets. 28, Shashank has led the company to be one of the fastest growing mortgage companies in America, helping thousands of families secure better financing for their homes in 2017 and 2021. InstaMortgage, which is formerly known as Arcus Lending, was named to the INC 500 list of the fastest growing private companies in America. Shashank, welcome to the program.
Shashank: Thank you for having me, Brooke.
Buck: So, you know, first of all, tell us a little bit about your company in that. And, you know, like I think one of the things I really want to get into is the technology aspect. But tell us a little bit about your company and what makes it different.
Shashank: Yeah, so it's two mortgages really founded on the tech first approach to mortgage lending, as we know is one of the industries that has kind of remained archaic in terms of just providing the consumer experience, how the process works, and some of it is regulatory meeting. As a lender, we can make any make any changes. The government asks us to originate alone and in a certain way there is not much you can do about it.
I'll give you an example. We created the record for fastest from an application to be ready for close in 6 hours, six and a half hours in the industry. But see, APB requires us not to close a loan for seven days after we take the application. So that's. That's what I'm saying. And some of the things that we are doing, we are kind of hampered by what the what the regulation brings. But other than that really is the mortgage approach is towards speed, towards making it more streamlined, user friendly. And we do that by a lot of technology implementation that we have done. Some of it grown in-house at instrument and some of it that we've used our partners to build.
Buck: One of the things that I understand that you guys are using a lot of is some of this artificial intelligence. Let's let's start with something basic, I think. But this is not necessarily a technology group, but, you know, maybe you want to start with like sort of the concept of what Shashi Petit is and, you know, kind of take take it from there and explain how some of this might apply to your business.
Shashank: Yeah. And anyway, I'll probably back up even a little bit more and just just explain artificial intelligence. I know the audience is pretty smart, but one of the things that we see all the time and it's this not just in the mortgage industry is is that a lot of it being is what we are hearing, especially people ask two or three years is that this is a driven we it everything seems to have the word A.I. in it. It's like crypto or blockchain from a couple of years.
Buck: Yeah, I guess 100% right. And yeah.
Shashank: One thing I wanted to explain to the audience is that not everything is the AI, and just because they say it's to write artificial intelligence essentially is is the is when machine is able to do some things that humans do, they're able to recognize speech, they're able to make decisions like humans do when something is programed to do something that's just advanced programing, like if I had a chat bot and I programed it with every possible question that would ask when Buck would come to my website, that's not artificial intelligence. Me look smart. Oh, I'm asking you, do I need a mortgage? And it knows the answer. I want to can be connected to a loan officer and it knows the answer, but it hasn't been programed to do that, that we preempt the questions that you might possibly ask, given our experience that when users come to the Web site and ask these questions, that's not artificial, since artificial intelligence is usually a huge amount of computing capacity, that's required for a machine to learn by itself, even something as basic as if a machine were to recognize if this picture is of a cat or not, that will require it to be fed hundreds and thousands of photographs of cat for it to figure out a pattern saying this is how cats look. And on the other side also fed hundreds and thousands of pictures that may look like a cat, but it's not a cat. Might be a baby lion or a baby tiger that has paws and whiskers and small, but they are not cats. And and then it's able to figure it out through machine learning, through through hundreds of attrition. That's not a cat. So that's artificial intelligence. And I just wanted to throw that out as because search terms, we are like, oh, this is artificial intelligence or it's AI driven, but it's not always the idea.
Buck: Yeah. So really, I think like when I think of it, I maybe, you know, just for clarity, maybe you can correct me if I'm wrong, but it's really like a learning system, right? It's, it's, it's not just preprogramed information. It is literally sort of learning on the go. So it's, you know, it's going to take information that comes in. It's going to take questions that come in. It's going to learn from those things and potentially create more efficiencies because it can start, quote unquote, thinking rather than simply spitting out preprogramed information.
Shashank: Absolutely. And that's why and that's where I think GPT comes into us, as you asked us, that it's a job to please is a truly AI model. And what's revolutionary about it is really so far practically all artificial intelligence that I've seen before. Chad GPD has been about solving a specialized problem. So it could be about how to become a better writer. So it could do copywriting for you or to become better marketer, or you're solving one problem or the other. And that's why artificial intelligence was mostly being deployed, charging beauty for the first time at a very mass level really brings a generating by origin by meaning it didn't plan sort of it at least aims to solve for hundreds and thousands of problems and not just one last I checked. So in the real estate industry, AI and chatbots like ChatGPT are having a significant impact. One area where they are being utilized is in customer service and support. Chatbots can handle customer inquiries, provide information about properties, and even assist with the mortgage application process. They can answer commonly asked questions and provide a more streamlined and efficient experience for potential homebuyers.
Additionally, AI is being used in data analysis and predictive modeling. By analyzing vast amounts of real estate data, AI algorithms can identify trends, patterns, and insights that can help real estate professionals make more informed decisions. This can include predicting property values, identifying investment opportunities, and assessing market conditions.
Furthermore, AI-powered virtual assistants are becoming more prevalent in the real estate industry. These assistants can help automate tasks such as scheduling property tours, sending notifications to clients, and even providing personalized property recommendations based on the client's preferences and requirements.
Overall, AI and chatbots are revolutionizing the real estate industry by improving customer experiences, enabling data-driven decision-making, and automating various aspects of the real estate process.
Buck: It's fascinating. So in your business, you mentioned that AI is streamlining the underwriting process for instant mortgages. Can you elaborate on what aspects of the underwriting process AI is helping with to reduce the timeline from 45 days to just a week?
Shashank: Absolutely. One of the things AI can do is bring efficiencies to the table. For instance, loan guidelines in the mortgage industry are extensive, similar to the complexity of the IRS tax code. It can take a significant amount of time for underwriters to sift through hundreds of pages of program guidelines to find specific information related to unique borrower situations. AI can analyze the guidelines and identify the relevant sections more efficiently. It can also pinpoint bottlenecks in the process, allowing for improvements to be made.
Furthermore, AI can assist in automating tasks and providing quick access to information. For example, I recently experimented with a Facebook language model that can be installed on a local device. By uploading relevant documents, such as research papers or industry-specific information, you can create your own repository of knowledge. You can then ask questions and receive answers based on that information, streamlining the information retrieval process.
Buck: That's interesting. It reminds me of the open-source nature of blockchain technology. Do you see any similarities between AI and blockchain in terms of their potential and openness?
Shashank: There are some similarities, but they also have distinct differences. Blockchain technology has generated a lot of excitement in the past, and it's still relevant. However, it has been closely associated with cryptocurrencies, which have faced some challenges. This has caused some people to shy away from blockchain.
But blockchain technology has applications beyond cryptocurrencies. For example, in the real estate industry, it could revolutionize the process of title transfer. Instead of going through county courts, titles could be securely held on a blockchain, and smart contracts could automate the transfer process upon receipt of payment.
While blockchain may have lost some favor recently, it doesn't mean it has lost relevance. It's just not receiving as much attention and investment at the moment. However, both AI and blockchain have the potential to transform industries and improve efficiency in different ways.
Buck: I guess the comparison I was trying to make is less about comparing them as the same type of thing, but more about looking at it as an open-source opportunity for people to develop.
Shashank: The interest in it is huge. By the way, if anyone wants to test it, go to GPGforall.io. Even if you have zero programming skills, you can hire someone on Upwork. I'm not a programmer, and I got someone to do it for me. It took him less than 30 minutes. The instructions are step by step, so even if you can't do it, someone else can.
Buck: Let me write it down: GPT4all.
Shashank: Yes, "for" is the number 4.
Buck: Okay, dot IO. Fascinating. Let's see what I can come up with.
Shashank: Very cool. So yeah, let's talk a little bit about your business too. You guys are obviously doing really well. To be honest, I'd never heard of Instant Mortgage. Is this available in all states?
Shashank: We are in 28 states, so not all states yet. But those 28 states account for about 70-75% of all mortgages in the US.
Buck: Mostly in California, right?
Shashank: Yes, I'm here in Silicon Valley.
Buck: Right, got it. So, how does the process with Instant Mortgage compare to other mortgage companies?
Shashank: If you go to InstantMortgage.com, you will see that our entire smart application process is way more advanced than most of the industry. We start underwriting the moment you start entering the application. By the time you finish the application in your own borrower's portal, you will already start seeing the documents we need and the signatures required. The loan is almost half underwritten by that point, which is probably the fastest you will see in the industry. We also have a user-friendly borrower's portal that provides transparency on your loan's progress. We have 100% transparency on where your loan is and what's required from your end. You see all the loan dynamics at that point in time. The entire user experience is very advanced. We still have expert loan officers and processors in the back end, so it's not just a technology solution. You get expert advice as well.
Buck: Is it easy to get pre-approvals with Instant Mortgage?
Shashank: We have something called a prequel where you don't have to go through the entire process. In 90 seconds, you give us some basic information, and we run a soft check on your credit. It does not impact your credit score. Then we run the entire guideline underwriting engine and give you a prequel letter, which is the fastest in the industry. If you just want to understand how much you qualify for and you're not ready to make an offer, you don't even have to reach out to us.
Buck: So primarily residential, including jumbos and all that. Any limitations on the residential side?
Shashank: We also do commercial loans, but the process and user experience would be very different and take longer.
Buck: That is fascinating. One last question for you. Who is Rachel and how did you create her?
Shashank: Rachel is the mortgage industry's voice-first digital human. We started with websites, then moved to chatbots, and now digital humans are the next evolution. Rachel is more advanced than Siri and Alexa because she has a face. You can interact with her through speech, video, or text. You can ask for jokes or talk about non-mortgage-related topics. We just launched her with Jeopardy, so she can answer Jeopardy questions too. It's a pretty advanced concept in terms of user experience.
Buck: So the business is Instant Mortgage at instantmortgage.com. This is really fascinating stuff, Shashank. I appreciate you being on the Well Formula podcast today.
Shashank: Sure, glad to be here.
Buck: We'll be right back.
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2023.06.08 22:01 KlutzyDee HOW TO GET NCLEX QUESTION AND ANSWER

What Is Nclex?
The NCLEX exam, also known as the National Council Licensure Examination, is a standardized test that every state regulatory board uses to determine if a candidate is ready to become licensed as a nurse. Administered by the National Council of State Boards of Nursing, there are two types of NCLEX exams, and which test you take depends on the role you seek.
NCLEX-PN: For practical or vocational nurses (LPNs/LVNs—the terms are used interchangeably in different states), the most entry-level of the licensed nursing positions
NCLEX-RN: For registered nurses (RNs), who have additional education and greater responsibility.
Steps to Taking the NCLEX and Getting Licensed
Complete an accredited nursing program
Apply for a license with your state board
Register for the NCLEX exam you wish to take
Take and pass the NCLEX
Complete any additional state requirements and get licensed.
Exam Format
The NCLEX-RN and PN exams are computerized tests, made up mostly of multiple-choice questions, plus some multiple-response, fill-in-the-blank, and drag-and-drop questions.
Number of Questions
In a typical year, there are a minimum of 85 questions on the PN test and a maximum of 205. The RN exam usually has a minimum of 75 questions and a maximum of 265.
Method To Get The Question And Answer?
There are different method on how to extract questions and answers before the original date via ethical hacking. I'll guide you on how it works..
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2023.06.08 21:26 jaumeap Did you have to answer any questions related to the car during your practice driving license test for the car?

I’ve heard some testers ask you to show where the battery of the car is located or to check if you have enough oil in the car. Did you get any of those questions during the practice exam in Sweden?
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2023.06.08 20:56 underratedsaviour NEW EE GRAD, I had little success getting interviews and wondering if I can do anything to improve my chances. No internship experience just club activities and projects which are listed.

submitted by underratedsaviour to EngineeringResumes [link] [comments]


2023.06.08 19:08 prosolarcalifornia Trusted Solar Energy Services in California: ProSolar California Leads the Way

As the demand for clean and sustainable energy continues to rise, solar power has emerged as a prominent solution. California, known for its commitment to renewable energy, boasts a thriving solar industry. Among the numerous solar companies in California, one name stands out for its trusted solar energy services: ProSolar California. With their team of dedicated solar energy professionals, ProSolar California is at the forefront of the state's solar revolution. In this article, we will explore why ProSolar California is a trusted provider of solar energy services in California and how they are making a difference in the industry.
  1. The Power of Experience: ProSolar California's position as a trusted solar energy services provider is rooted in its extensive experience in the field. With years of expertise, the company has honed its skills and knowledge to offer top-quality solar solutions. Their team of solar energy professionals comprises highly trained and certified experts who possess a deep understanding of the industry's best practices. ProSolar California's experience translates into reliable and efficient solar installations, ensuring that customers receive the highest level of service.
  2. Commitment to Customer Satisfaction: One of the key factors that sets ProSolar California apart from other solar companies in California is their unwavering commitment to customer satisfaction. From the initial consultation to the final installation and beyond, ProSolar California prioritizes the needs and preferences of their customers. They work closely with clients to design customized solar energy systems tailored to their specific requirements. By maintaining open lines of communication, ProSolar California ensures that customers are informed and involved throughout the entire process.
  3. Quality Products and Cutting-Edge Technology: ProSolar California's dedication to delivering trusted solar energy services is evident in their selection of top-quality products and utilization of cutting-edge technology. They partner with reputable manufacturers to source solar panels, inverters, and other components known for their performance, durability, and efficiency. By staying up-to-date with the latest advancements in the solar industry, ProSolar California can offer state-of-the-art solutions that maximize energy generation and optimize cost savings for their customers.
  4. Comprehensive Services: ProSolar California offers a comprehensive range of solar energy services, making them a one-stop solution for all solar needs. Whether it's residential, commercial, or industrial solar installations, ProSolar California has the expertise to handle projects of any scale. Their services encompass site evaluation, system design, installation, maintenance, and monitoring, ensuring a seamless experience for their customers from start to finish. With ProSolar California, clients can trust that every aspect of their solar project is taken care of by knowledgeable professionals.
  5. Industry Recognition and Certifications: The trust and reputation enjoyed by ProSolar California in the solar industry are further reinforced by their industry recognition and certifications. They are licensed and insured, complying with all relevant regulations and standards. ProSolar California's commitment to excellence has earned them accolades and certifications that demonstrate their expertise and dedication to quality. This recognition serves as a testament to their credibility and the level of service they provide to their customers.
Conclusion: When it comes to trusted solar energy services in California, ProSolar California leads the way. With their experienced team, commitment to customer satisfaction, quality products, comprehensive services, and industry recognition, they stand out among solar companies in the state. By choosing ProSolar California, customers can have peace of mind knowing that their solar energy project is in capable hands. Embrace the clean energy revolution and join forces with ProSolar California to harness the power of the sun for a sustainable future.
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2023.06.08 17:45 SchlesingerMindy323 [HIRING] 25 Jobs in IN Hiring Now!

Company Name Title City
Community Rehabilitation Hospital West Licensed Practical Nurse (LPN) Brownsburg
Green Street Dental Care Dental Hygienist Brownsburg
Heartland Crossing Dental Care Dental Hygienist Camby
Camby Family Dentistry Dental Hygienist Camby
Konica Minolta Business Solutions Systems Engineer - UC Columbus
Fast Pace Health RN Family Care Connersville
Fast Pace Health RN Family Care Corunna
Fast Pace Health RN Family Care Hartford City
New Hope Services, Inc. Family Support Specialist - Clark County Jeffersonville
New Hope Services, Inc. Family Partner Jeffersonville
New Hope Services, Inc. Part Time Mental Health Clinician (Independent Contractor) Jeffersonville
New Hope Services, Inc. Family Support Specialist - Clark County New Albany
US Tech Solutions ​Data Center Technician – Infrastructure Analyst​ Plainfield
US Tech Solutions Data Center Operator Plainfield
US Tech Solutions Data Center Technician Plainfield
Tyson Foods Maintenance Supervisor - Crew B (Night Shift) - Mexican Original Portland, IN Portland
Richmond Family Dentistry Dental Hygienist Richmond
Dental Care of Shelbyville Dental Hygienist Shelbyville
Epic Special Education Staffing Child Speech Therapist Terre Haute
St. Andrews Health Campus RN - Registered Nurse Batesville
StoneBridge Health Campus RN - Registered Nurse Bedford
BayMark Health Services Dispensing Nurse Bloomington
CHS Family Medicine Position - Northern INDIANA - 2 hour drive from Indianapolis andChicago! Bluffton
Pippin Dental & Braces - a Benevis company Dentist - Up to $75k Sign On - Unlimited Earning Potential Bluffton
Ascension RN-Clinic - WIC Grants, Full Time, Days Boonville
Hey guys, here are some recent job openings in in. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by SchlesingerMindy323 to IndianaJobsForAll [link] [comments]


2023.06.08 17:40 Maximum_Band_7492 Passed the Test at Home in Ukraine: 3AT

Passed the Test at Home in Ukraine: 3AT

https://preview.redd.it/ai1zys6wbt4b1.png?width=1085&format=png&auto=webp&s=82d424d3d8ff924d7bb587a1fd521461aed2371e
  1. The home process is painless if you read everything and test your equipment in advance.
  2. I got one warning because I was scratching my head to the side a little bit.
  3. Took 65-70 minutes for each section, leaving me enough time to review the zingers.
  4. I followed Max Ma's advice on YouTube but changed the plan to three weeks vs. two since I am not a Yale grad and 52. My brain is a bit slower. I took the Thor teaches a class at 2x. and did the process groups game until I averaged 90%. One of the teachers in Thor teaches worked in the commercial pot industry. She has some great stories.
  5. My study materials and techniques:
  • Prozac Daves 200/150/100 questions (free) - reviewed 2x each, stopping and answering each question before getting the answer.
  • AR's TIA Simulators - reviewed 2x each (6 exam averages Round 1: 78% and Round 2: 93%)
  • PMP Practice Exam 260 questions (Did this twice in 60-question/75-minute blocks to train for the time constraints).
  • Third Rock's paid notes: Read all of it but mostly the mindset stuff. https://docs.google.com/document/d/1IIZoUdSdI6-TlYHxs9umzETnAlTCEs7h
  • Pretend you are a PC PM at a large company, hired to fill some quota. I worked in corporations for a long time and created a persona for myself that I am "one of those PM's" with a liberal mindset, suffering from toxic positivity. In real life, no one with worthwhile credentials will humiliate themselves, accepting the title of "Servant Leader" and facilitating jerks and programmers with low EI. I delivered a lot of value by firing and replacing such folks with outsourcing or contractors. Perhaps the new PMP exams will make firing the jerk and going to their boss the correct answer instead of being this person who has to take crap all day from both superiors and subordinates. Anyway, you get my drift, pretend you are the PC, woke, liberal PM at the office going from one meeting to the next and sending out long emails - that's how you pass.
  • After each round of practice questions, I took notes and looked up the concepts. I also made a list of trigger words like facilitate, collaborate, investigate, etc.
  • Used active reading, read the question, the passage, and the answer choices, ruled out some of the choices, then read the passage again. Plugged the answer back into the question for a sanity check.
This test is about being able to read and comprehend fast. Then eliminate choices based on their pompous and idealistic logic.
You need to prepare as you did for the GMAT, ACT, or SAT exams. If you are struggling, get in the habit of reading business-level articles in the WSJ, Economist, and HBR and see if you can comprehend what you learned. Reading comprehension is a fundamental skill that must be mastered. That will do more for you than taking crazy expensive courses.
submitted by Maximum_Band_7492 to pmp [link] [comments]


2023.06.08 17:29 SchlesingerMindy323 [HIRING] 25 Jobs in IN Hiring Now!

Company Name Title City
Community Rehabilitation Hospital West Licensed Practical Nurse (LPN) Brownsburg
Green Street Dental Care Dental Hygienist Brownsburg
Heartland Crossing Dental Care Dental Hygienist Camby
Camby Family Dentistry Dental Hygienist Camby
Konica Minolta Business Solutions Systems Engineer - UC Columbus
Fast Pace Health RN Family Care Connersville
Fast Pace Health RN Family Care Corunna
Fast Pace Health RN Family Care Hartford City
New Hope Services, Inc. Family Support Specialist - Clark County Jeffersonville
New Hope Services, Inc. Family Partner Jeffersonville
New Hope Services, Inc. Part Time Mental Health Clinician (Independent Contractor) Jeffersonville
New Hope Services, Inc. Family Support Specialist - Clark County New Albany
US Tech Solutions ​Data Center Technician – Infrastructure Analyst​ Plainfield
US Tech Solutions Data Center Operator Plainfield
US Tech Solutions Data Center Technician Plainfield
Tyson Foods Maintenance Supervisor - Crew B (Night Shift) - Mexican Original Portland, IN Portland
Richmond Family Dentistry Dental Hygienist Richmond
Dental Care of Shelbyville Dental Hygienist Shelbyville
Epic Special Education Staffing Child Speech Therapist Terre Haute
St. Andrews Health Campus RN - Registered Nurse Batesville
StoneBridge Health Campus RN - Registered Nurse Bedford
BayMark Health Services Dispensing Nurse Bloomington
CHS Family Medicine Position - Northern INDIANA - 2 hour drive from Indianapolis andChicago! Bluffton
Pippin Dental & Braces - a Benevis company Dentist - Up to $75k Sign On - Unlimited Earning Potential Bluffton
Ascension RN-Clinic - WIC Grants, Full Time, Days Boonville
Hey guys, here are some recent job openings in in. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by SchlesingerMindy323 to indianajobs [link] [comments]


2023.06.08 16:45 reys_saber Seeking Career Guidance: Recovering from Burnout, Unsure of Next Move… Can you give me some advice?

I hope you can lend me your guidance and advice as I navigate a crucial point in my career. As a Master Plumber with 18 years of experience, I recently made the difficult decision to leave my position at a residential service and repair company. The primary reasons for my departure were a relentless work schedule, safety concerns, and an overall feeling of burnout.
During my time there, I found myself working an exhausting 70+ hours per week. Despite repeatedly mentioning the faulty breaks on my company van to the owner, no action was taken until it nearly caused a serious incident. Additionally, my helper experienced a harrowing incident of attempted mugging at a gas station, and the company owner dismissed his concerns, insisting he return to work. On top of these safety concerns, the flat rate pricing book was inaccurate, leaving us to handle our own estimates. The accumulation of these factors ultimately led to my burnout.
Having not worked for almost three weeks now, I am fortunate to have savings that could support my wife (she also works a full time government job with great pay and benefits) and me for up to a year and a half, granting me some time for reflection. However, I am eager to find a new career path that reignites my passion and enthusiasm.
To give you a better understanding of my background, here's a breakdown of my previous roles:
My last place of employment was an increasingly toxic environment that was taking a toll on both my personal life and well-being. The constant lack of sleep due to demanding hours only worsened the situation. The owner’s relentless focus on money often overshadowed employee welfare and resulted in an unhealthy work atmosphere.
Furthermore, the dispatching system was plagued with disorganized chaos, leading to inefficiencies and frustration among the team. Material deliveries to job sites were frequently delayed, causing unnecessary delays in completing projects and further exacerbating the already stressful work environment.
Perhaps the most challenging aspect was the owner’s aggressive nature when confronted with any concerns or suggestions. This hostile response created a hostile atmosphere that hindered open communication and problem-solving.
With all these factors combined, I realized it was time to prioritize my well-being and my marriage, which led me to leave the job. Now, I find myself at a crucial juncture, uncertain about the next steps to take in my career.
Considering my previous experiences and recent burnout, I’m not keen on starting my own business or joining a union due to the absence of one in my area. Following the burnout I experienced in my last job, I am eager to find ways to recover faster and make the best decisions for my future. Currently, I am contemplating roles such as manufacturing maintenance tech, maintenance supervisor, or exploring remote plumbing designer positions on LinkedIn. In the past, I have applied to and interviewed for the position of building inspector, at two different counties near me… made it through all of the interviews, but ultimately another candidate was chosen.
My mind still feels somewhat foggy, and I want to ensure that I make well-informed choices. Any advice, suggestions, or personal experiences you can share would be immensely valuable in helping me chart a new course. I appreciate your support, and thank you in advance for your insights!
Sorry for the long post.
submitted by reys_saber to careerguidance [link] [comments]


2023.06.08 16:44 reys_saber Seeking Career Guidance: Recovering from Burnout, Unsure of Next Move… Can you give me some advice?

I hope you can lend me your guidance and advice as I navigate a crucial point in my career. As a Master Plumber with 18 years of experience, I recently made the difficult decision to leave my position at a residential service and repair company. The primary reasons for my departure were a relentless work schedule, safety concerns, and an overall feeling of burnout.
During my time there, I found myself working an exhausting 70+ hours per week. Despite repeatedly mentioning the faulty breaks on my company van to the owner, no action was taken until it nearly caused a serious incident. Additionally, my helper experienced a harrowing incident of attempted mugging at a gas station, and the company owner dismissed his concerns, insisting he return to work. On top of these safety concerns, the flat rate pricing book was inaccurate, leaving us to handle our own estimates. The accumulation of these factors ultimately led to my burnout.
Having not worked for almost three weeks now, I am fortunate to have savings that could support my wife (she also works a full time government job with great pay and benefits) and me for up to a year and a half, granting me some time for reflection. However, I am eager to find a new career path that reignites my passion and enthusiasm.
To give you a better understanding of my background, here's a breakdown of my previous roles:
My last place of employment was an increasingly toxic environment that was taking a toll on both my personal life and well-being. The constant lack of sleep due to demanding hours only worsened the situation. The owner’s relentless focus on money often overshadowed employee welfare and resulted in an unhealthy work atmosphere.
Furthermore, the dispatching system was plagued with disorganized chaos, leading to inefficiencies and frustration among the team. Material deliveries to job sites were frequently delayed, causing unnecessary delays in completing projects and further exacerbating the already stressful work environment.
Perhaps the most challenging aspect was the owner’s aggressive nature when confronted with any concerns or suggestions. This hostile response created a hostile atmosphere that hindered open communication and problem-solving.
With all these factors combined, I realized it was time to prioritize my well-being and my marriage, which led me to leave the job. Now, I find myself at a crucial juncture, uncertain about the next steps to take in my career.
Considering my previous experiences and recent burnout, I’m not keen on starting my own business or joining a union due to the absence of one in my area. Following the burnout I experienced in my last job, I am eager to find ways to recover faster and make the best decisions for my future. Currently, I am contemplating roles such as manufacturing maintenance tech, maintenance supervisor, or exploring remote plumbing designer positions on LinkedIn. In the past, I have applied to and interviewed for the position of building inspector, at two different counties near me… made it through all of the interviews, but ultimately another candidate was chosen.
My mind still feels somewhat foggy, and I want to ensure that I make well-informed choices. Any advice, suggestions, or personal experiences you can share would be immensely valuable in helping me chart a new course. I appreciate your support, and thank you in advance for your insights!
Sorry for the long post.
submitted by reys_saber to careeradvice [link] [comments]


2023.06.08 16:13 reys_saber Seeking Career Guidance: Recovering from Burnout, Unsure of Next Move.

I hope you can lend me your guidance and advice as I navigate a crucial point in my career. As a Master Plumber with 18 years of experience, I recently made the difficult decision to leave my position at a residential service and repair company. The primary reasons for my departure were a relentless work schedule, safety concerns, and an overall feeling of burnout.
During my time there, I found myself working an exhausting 70+ hours per week. Despite repeatedly mentioning the faulty breaks on my company van to the owner, no action was taken until it nearly caused a serious incident. Additionally, my helper experienced a harrowing incident of attempted mugging at a gas station, and the company owner dismissed his concerns, insisting he return to work. On top of these safety concerns, the flat rate pricing book was inaccurate, leaving us to handle our own estimates. The accumulation of these factors ultimately led to my burnout.
Having not worked for almost three weeks now, I am fortunate to have savings that could support my wife (she also works a full time government job with great pay and benefits) and me for up to a year and a half, granting me some time for reflection. However, I am eager to find a new career path that reignites my passion and enthusiasm.
To give you a better understanding of my background, here's a breakdown of my previous roles:
My last place of employment was an increasingly toxic environment that was taking a toll on both my personal life and well-being. The constant lack of sleep due to demanding hours only worsened the situation. The owner’s relentless focus on money often overshadowed employee welfare and resulted in an unhealthy work atmosphere.
Furthermore, the dispatching system was plagued with disorganized chaos, leading to inefficiencies and frustration among the team. Material deliveries to job sites were frequently delayed, causing unnecessary delays in completing projects and further exacerbating the already stressful work environment.
Perhaps the most challenging aspect was the owner’s aggressive nature when confronted with any concerns or suggestions. This hostile response created a hostile atmosphere that hindered open communication and problem-solving.
With all these factors combined, I realized it was time to prioritize my well-being and my marriage, which led me to leave the job. Now, I find myself at a crucial juncture, uncertain about the next steps to take in my career.
Considering my previous experiences and recent burnout, I’m not keen on starting my own business or joining a union due to the absence of one in my area. Following the burnout I experienced in my last job, I am eager to find ways to recover faster and make the best decisions for my future. Currently, I am contemplating roles such as manufacturing maintenance tech, maintenance supervisor, or exploring remote plumbing designer positions on LinkedIn. In the past, I have applied to and interviewed for the position of building inspector, at two different counties near me… made it through all of the interviews, but ultimately another candidate was chosen.
My mind still feels somewhat foggy, and I want to ensure that I make well-informed choices. Any advice, suggestions, or personal experiences you can share would be immensely valuable in helping me chart a new course. I appreciate your support, and thank you in advance for your insights!
Sorry for the long post.
submitted by reys_saber to Construction [link] [comments]


2023.06.08 16:12 SchlesingerMindy323 [HIRING] 25 Jobs in DE Hiring Now!

Company Name Title City
BAYADA Home Health Care Licensed Practical Nurse Dover
BAYADA Home Health Care Registered Nurse Dover
BAYADA Home Health Care at Bayhealth Registered Nurse Dover
BAYADA Home Health Care Full Time Felton
BAYADA Home Health Care at Bayhealth Rn Lewes
Capital One Lead Software Engineer Wilmington
Capital One Data Architect Wilmington
Mountaire Conveyor Operator Selbyville
State Farm Mutual Automobile Insurance Company Claims Appraiser - Auto Estimatics - Wilmington, DE Bear
Capital One Senior Associate, Technology Risk Controls Testing Wilmington
State Farm Mutual Automobile Insurance Company Auto Appraiser Wilmington
Cadia Healthcare Silverside Immediate Openings Assistant Director Of Nursing ADON Wilmington Wilmington
Premier Inc. Vice President, Supply Chain Management Dover
Harbor Freight Tools Retail Stocking Associate Dover
Capitol Building Supply Forklift Operator Dover
Bally's Corporation Representative - PBX Operator Dover
Perdue Farms 3rd Shift Shipping Supervisor Georgetown
Ferguson Warehouse Associate Lewes
Integrity Staffing Solutions Warehouse Distribution Specialist Middletown
Integrity Staffing Solutions Forklift Operator - Sit Down Middletown
Mountaire Corporation Tray Pack Supervisor - NS Millsboro
Mountaire Corporation Regional Sales Manager - Export Millsboro
The Boston Beer Company Packaging Tech (Full-Time) (Milton Brewery) Milton
The Boston Beer Company Shipping and Receiving Coordinator (PT Reg) Milton
ABC Supply Co. Warehouse Material Handler / Roof Loader (593) Milton
Hey guys, here are some recent job openings in de. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by SchlesingerMindy323 to DelawareJobsForAll [link] [comments]


2023.06.08 15:57 No_Competition4897 [HIRING] 25 Jobs in PA Hiring Now!

Company Name Title City
Call Pittsburgh Service General Contractor Mckees Rocks
Davey Tree Tree Trimmers & Groundman Bradford
Davey Tree Tree Trimmer and Pruner Warren
Davey Tree Tree Pruner Warren
BAYADA Home Health Care Lpn Bloomsburg
BAYADA Home Health Care Licensed Practical Nurse Butler
BAYADA Home Health Care Lpn Canton
Jefferson Health at Home Nurse New Hope
Jefferson Health at Home Registered Nurse Not Specified
Geisinger RN- Registered Nurse- Oncology Stepdown Unit- Henry Cancer Center Albrightsville
Geisinger Respiratory Therapist Registered RRT or Certified CRT-Per Diem Albrightsville
Geisinger CRNA Allensville
Geisinger Certified Registered Nurse Anesthetist Per Diem Allensville
Geisinger Certified Registered Nurse Anesthetist (CRNA) Allensville
Geisinger Sterile Processing: GMC Allenwood
Geisinger Respiratory Therapist Allenwood
Geisinger Respiratory Therapist Registered Per Diem Allenwood
Maple Winds CNA- Certified Nursing Assistant - $2500 Sign on Bonus! Altoona
Maybrook Hills CNA Altoona
Geisinger Respiratory Specialist Archbald
Geisinger Respiratory Therapist Archbald
Geisinger Respiratory Therapist Registered or Certified - Per Diem Archbald
New Story Management School Occupational Therapist Bala Cynwyd
Geisinger Patient Care Technician 1 - No CNA Cert Required - Part Time Rotation Shift Barnesville
Geisinger PCT Barnesville
Hey guys, here are some recent job openings , feel free to comment here if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by No_Competition4897 to PennsylvaniaJobForAll [link] [comments]


2023.06.08 15:17 AggravatingReason649 Leroy Jones Contractor LLC

Leroy Jones Contractor is Licensed and Permit Bonded business bringing over 45 years experience in the home improvement industry, and is fully insured for your protection and peace of mind. We offer services for restorations, renovations, remodels and repairs and we'll give you a written proposal and contract quote (not just an estimate) so there are no unexpected costs. We pride ourselves on our extreme professionalism and attention to detail--that's why we gladly offer you the opportunity to talk with our past customers to learn what level of satisfaction you can expect.

Siding, Roof repairs, Metal roofing, Fencing, Fence repair, Foundation, Pier & Deme, Leveling & Repairs, Residential, Commercial, Universal Web
submitted by AggravatingReason649 to u/AggravatingReason649 [link] [comments]


2023.06.08 14:52 wtfixair12 How to Find a Reliable Air Conditioning Installation Contractor

How to Find a Reliable Air Conditioning Installation Contractor
Are you tired of dealing with a malfunctioning air conditioning system? Are you in need of a professional air conditioning installation contractor? Look no further! In this comprehensive guide, we will walk you through the process of finding a reliable air conditioning installation contractor. We understand the importance of a properly functioning air conditioning system, especially during those scorching summer months. Therefore, we will provide you with valuable tips and insights to ensure that you hire a contractor who is experienced, trustworthy, and capable of delivering high-quality work.

The Importance of Hiring a Reliable Air Conditioning Installation Contractor

When it comes to installing an air conditioning system, it's crucial to enlist the services of a reliable contractor. Proper installation plays a significant role in the overall performance and efficiency of your AC unit. An experienced contractor will ensure that your system is correctly sized, installed, and calibrated, maximizing its efficiency and lifespan. Moreover, a reliable contractor will adhere to industry standards and safety protocols, giving you peace of mind knowing that the job is being done right the first time.
Finding a reliable contractor for air conditioning installation in Perth may seem like daunting task, but fear not! We've compiled a list of actionable steps to help you find the perfect contractor for your needs. Follow these guidelines, and you'll be well on your way to enjoying a cool and comfortable indoor environment.

Air Conditioner Installation in Perth
Start with Research
Research is key when it comes to finding a reliable air conditioning installation contractor. Take advantage of the internet and search for local contractors in your area. Check their websites, read customer reviews, and look for testimonials. A contractor with positive reviews and satisfied customers is more likely to provide you with exceptional service.
Ask for Recommendations
Word-of-mouth recommendations can be incredibly valuable in your search for a reliable contractor. Ask your friends, family, and neighbors if they have recently hired an air conditioning installation contractor and inquire about their experiences. Personal recommendations can provide you with insights into the contractor's workmanship, professionalism, and reliability.
Verify Licenses and Certifications
A reliable air conditioning installation contractor should hold the necessary licenses and certifications required by your state or local authorities. These licenses and certifications ensure that the contractor has the knowledge and skills to perform the job safely and effectively. Always ask the contractor to provide proof of their licenses and certifications before hiring them.
Inquire About Warranties
A reliable air conditioning installation contractor will stand behind their work and provide warranties for their services. Inquire about the warranties offered by the contractor and ensure that they cover both labor and parts. A comprehensive warranty will give you peace of mind, knowing that you're protected in case any issues arise with your newly installed system.
Check for Industry Affiliations
Contractors who are affiliated with industry associations demonstrate their commitment to professionalism and continuous learning. Look for contractors who are members of reputable organizations such as the Air Conditioning Contractors of America (ACCA) or the Heating, Refrigeration, and Air Conditioning Institute of Canada (HRAI). These affiliations indicate that the contractor is up-to-date with the latest industry standards and best practices.
Evaluate Customer Service
Excellent customer service is a hallmark of a reliable contractor. Pay attention to how the contractor treats you during the initial consultation. Do they listen to your concerns? Are they willing to address any questions or doubts you may have? A contractor who prioritizes customer satisfaction is more likely to provide you with a positive experience from start to finish.

Frequently Asked Questions (FAQs)

  • Q1: How much does air conditioning installation cost?
Air conditioning installation costs can vary depending on several factors, such as the size and complexity of the installation, the type of AC system being installed, and the contractor's pricing. It's best to obtain multiple quotes from different contractors to get a better understanding of the costs involved. Remember, the cheapest option may not always be the best in terms of quality and reliability.
  • Q2: How long does an air conditioning installation take?
The duration of an air conditioning installation can vary depending on the scope of work and the contractor's availability. A simple installation can typically be completed within a day, while more complex installations may take several days. It's important to discuss the timeline with the contractor and ensure that it aligns with your schedule and needs.
  • Q3: What should I do if I'm not satisfied with the installation?
If you're not satisfied with the installation or if you encounter any issues with your newly installed system, it's important to contact the contractor immediately. A reliable contractor will be responsive to your concerns and will take the necessary steps to address any problems. Remember to document any issues and communicate them clearly to the contractor for a prompt resolution.
  • Q4: Should I hire a licensed contractor or a handyman for air conditioning installation?
It's highly recommended to hire a licensed contractor for air conditioning installation. Licensed contractors have the necessary knowledge, skills, and experience to perform the job safely and effectively. They are also required to adhere to industry standards and regulations, ensuring that the installation meets the necessary requirements. Hiring a licensed contractor provides you with peace of mind and minimizes the risk of potential issues down the line.

Conclusion

Finding a reliable air conditioning installation contractor doesn't have to be a daunting task. By following the steps outlined in this guide, you can ensure that you hire a contractor who is experienced, trustworthy, and capable of delivering high-quality work. Remember to conduct thorough research, ask for recommendations, and evaluate the contractor's licenses, certifications, and references. Consider factors such as experience, warranties, energy efficiency, and customer service. Trust your instincts and take your time in making the right decision. With the help of a reliable contractor, you'll be able to enjoy a cool and comfortable indoor environment for years to come.
submitted by wtfixair12 to u/wtfixair12 [link] [comments]


2023.06.08 14:26 Then_Marionberry_259 JUN 08, 2023 WGO.V WHITE GOLD CORP. FILES TECHNICAL REPORT FOR ITS FLAGSHIP WHITE GOLD PROJECT, SIGNIFICANTLY INCREASING INFERRED RESOURCES BY 41% AND REPORTING 1,152,900 GOLD OUNCES IN INDICATED RESOURCES AND 942,400 GOLD OUNCES IN INFERRED RESOURCES, YUKON, CANADA

JUN 08, 2023 WGO.V WHITE GOLD CORP. FILES TECHNICAL REPORT FOR ITS FLAGSHIP WHITE GOLD PROJECT, SIGNIFICANTLY INCREASING INFERRED RESOURCES BY 41% AND REPORTING 1,152,900 GOLD OUNCES IN INDICATED RESOURCES AND 942,400 GOLD OUNCES IN INFERRED RESOURCES, YUKON, CANADA
https://preview.redd.it/ywnfd5v2fs4b1.png?width=3500&format=png&auto=webp&s=361c650b082d542439800a58257ffd401706d6b8
TORONTO, June 08, 2023 (GLOBE NEWSWIRE) -- White Gold Corp. (TSX.V: WGO, OTCQX: WHGOF, FRA: 29W ) (the "Company") is pleased to announce it has filed a technical report in accordance with National Instrument 43-101 – Standards of Disclosure for Mineral Projects to update the Mineral Resource Estimate (“MRE”) on its 100% owned flagship White Gold Project (“the Project”). The technical report entitled “2023 Technical Report for the White Gold Project, Dawson Range, Yukon, Canada” and dated May 30, 2023 (effective date April 15, 2023) has been prepared for the Company by Dr. Gilles Arseneau, P.Geo. of ARSENEAU Consulting Services Inc. (“ACS”). The technical report is available on SEDAR (www.sedar.com) under the Company’s issuer profile.
The Project is located approximately 95 km south of Dawson City in west-central Yukon, Canada, and comprises 16 million tonnes averaging 2.23 g/t Au for 1,152,900 ounces of gold in the Indicated Resource category and 19 million tonnes averaging 1.54 g/t Au for 942,400 ounces of gold in the Inferred Resource category. Gold mineralization at the project remains open for expansion along strike and at depth, and opportunities exist to upgrade a significant portion of Inferred Resources to Indicated. Exploration programs supporting the MRE have been backed by partners Agnico Eagle Mines Limited (TSX: AEM, NYSE: AEM) and Kinross Gold Corporation (TSX: K, NYSE: KGC).
“We are very pleased with the significant increase in our mineral resources, which remains open for expansion, ranking the White Gold Project amongst the largest primarily open pit deposits at such high grades in Canada owned by an exploration company. We look forward to continuing exploration on our district scale land package in the prolific White Gold District which hosts several multi-million-ounce deposits along with an extensive history of placer gold production. This updated and increased resource is a testament to the success of our technical team and the effectiveness of our systematic data driven exploration methodologies in exploring and demonstrating the expansiveness of gold mineralization in the White Gold District,” stated David D’Onofrio, CEO.
Highlights:
  • Updated MRE includes four gold deposits (Figures 1-5) – Golden Saddle, Arc, Ryan’s Surprise and VG, within 12 km of each other, and comprises:
    • 16.11 million tonnes of Indicated Resources averaging 2.23 grams per tonne gold for 1.153 million ounces of gold, representing 55% of total resources.
    • 18.99 million tonnes of Inferred Resources averaging 1.54 grams per tonne gold for 0.942 million ounces of gold, representing 45% of total resources.
  • Updated MRE includes a maiden resource estimate for the Ryan’s Surprise deposit with an Inferred Resource of 227,700 ounces of gold averaging 1.97 grams per tonne gold.
  • The Ryan’s Surprise deposit is located 1.5 km west of the Golden Saddle and Arc deposits, and along the Ryan’s Trend, a 6.5 km long gold-arsenic geochemical anomaly which hosts additional prospective gold targets.
  • Inferred Mineral Resources have increased by 41% compared to previous MRE’s for the Golden Saddle and Arc deposits (
in 2020 and the VG deposit (2) in 2021.
  • 94% of the resources are near surface, with open-pittable Indicated Resources of 1.125 million ounces of gold averaging 2.20 grams per tonne gold and open-pittable Inferred Resources of 0.853 million ounces of gold averaging 1.46 grams per tonne gold.
  • Mineralization remains open along strike and down dip, with opportunities to further expand and upgrade resources in addition to multiple underexplored targets in close proximity to the deposits.
  • The Company is currently planning its fully funded 2023 exploration program, focusing on recent high-grade gold discoveries and undrilled targets with details to be announced in due course.
Maps accompanying this news release can be found at https://whitegoldcorp.ca/investors/exploration-highlights/
Mineral Resource Estimate Details
https://preview.redd.it/dijtia13fs4b1.png?width=720&format=png&auto=webp&s=c4314c7da62d6c628e7201cf129b14de57c9a5f5
Mineral Resources which are not Mineral Reserves do not have demonstrated economic viability. 2) The estimate of Mineral Resources may be materially affected by environmental, permitting, legal, title, taxation, socio-political, marketing, or other relevant issues.
3) The Inferred Mineral Resource in this estimate has a lower level of confidence than that applied to an Indicated Mineral Resource and must not be converted to a Mineral Reserve. It is reasonably expected that the majority of the Inferred Mineral Resource could be upgraded to an Indicated Mineral Resource with continued exploration.
4) The Mineral Resources in this report were estimated using the Canadian Institute of Mining, Metallurgy and Petroleum (CIM), CIM Standards on Mineral Resources and Reserves, Definitions and Guidelines prepared by the CIM Standing Committee on Reserve Definitions and adopted by the CIM Council.
5) Open pittable resources are constrained by GEOVIA Whittle optimized pit shells using a 0.4 g/t Au cut-of grade and are considered to have reasonable prospects for eventual economic extraction, assuming a gold price of US$1,800 per ounce, a C$:US$ exchange rate of 0.75. an open pit mining cost of CDN$3.25 per tonne, a processing and G&A cost of CDN$27.50 per tonne milled, and gold recoveries of 92% for Golden Saddle, and VG, along with 85% for Arc and Ryan’s Surprise. Underground resources assume a mining cost of CDN$120/tonne.
6) The following bulk density values for mineralized material were used: Golden Saddle (2.62 – 2.65 t/m 3 ), Arc (2.55 t/m 3 ), Ryan’s Surprise (2.63 t/m 3 ) and VG (2.65 t/m 3 ).
7) High-grade gold assay values have been capped as follows: Golden Saddle and Arc (8 – 18 g/t Au), Ryan’s Surprise (9 g/t Au) and VG (3 – 10 g/t Au).
8) The Statement of Estimates of Mineral Resources has been compiled by Mr. Gilles Arseneau, Ph.D.,P.Geo, of ARSENEAU Consulting Services (“ACS”). Mr. Arseneau has sufficient experience that is relevant to the style of mineralization and type of deposit under consideration and to the activity that he has undertaken to qualify as a Qualified Person as defined in the CIM Standards of Disclosure.
9) All numbers are rounded. Overall numbers may not be exact due to rounding.
Mineralization on portions of both the Golden Saddle and Arc deposits is known to extend beyond the limits of the current resource estimate, however, the mineralization in these areas does not currently meet the criteria to be classified as Mineral Resources. Based on drilling at Golden Saddle and current geologic models, there is an estimated 10 – 12 million additional tonnes grading between 1 – 2 g/t Au of material classified as a Target for Further Exploration (“TFFE”). The reader should be cautioned that the potential quantity and grade of the TFFE is conceptual in nature. There has been insufficient drilling to define a mineral resource and it is uncertain if further exploration will result in the target being advanced to a mineral resource.
The current MRE for the Project was carried out by Arseneau Consulting Services (“ACS”) of Vancouver, B.C. and is reported in accordance with the guidelines of the Canadian Securities Administrators National Instrument 43-101 (“NI 43-101”) and has been estimated in conformity with generally accepted Canadian Institute of Mining, Metallurgy and Petroleum (“CIM”) “Estimation and Mineral Resource and Mineral Reserve Best Practices” guidelines. Mineral resources are not mineral reserves and do not have demonstrated economic viability.
The MRE presents updated estimates for the Golden Saddle and Arc deposits and the VG deposit, and a maiden estimate for the Ryan’s Surprise deposit. The MRE incorporates all diamond and reverse circulation (“RC”) drilling data completed by White Gold Corp. and previous property owners.
Further details on the updated MRE are provided in a Company news release dated April 25, 2023.
Qualified Persons, Technical Information and Quality Control
The MRE for the White Gold Project was prepared by Dr. Gilles Arseneau of Arseneau Consulting Services (ACS), an Independent Qualified Person (“QP”) as defined under NI 43-101, who has reviewed and approved the contents of this news release. The technical content of this news release has also been reviewed and approved by Terry Brace, P.Geo. and Vice President of Exploration for the Company who is also a QP as defined under NI 43-101 – Standards of Disclosure of Mineral Projects.
QA/QC
White Gold’s drill core sampling consisted of collecting samples over 0.50 m to 2.50 m intervals (depending on lithology and style of mineralization) over the entire hole length. RC samples were collected at continuous 1.5 m intervals. All drill core was cut in half using a diamond saw, with half of the core placed in sample bags and the other half returned to the core box. Standard, blank, and duplicate samples were inserted into both the drill core and RC sample streams at regular intervals to meet a designated QA/QC sample insertion rate. All samples were organized into batches, flown via fixed-wing aircraft from camp, and transported via courier to an ISO-certified laboratory for analysis.
About White Gold Corp.
The Company owns a portfolio of 17,584 quartz claims across 30 properties covering approximately 350,000 hectares representing over 40% of the Yukon’s emerging White Gold District. The Company’s flagship White Gold project hosts four near-surface gold deposits which collectively contain an estimated 1,152,900 ounces of gold in Indicated Resources and 942,400 ounces of gold in Inferred Resources ( 1 ) ( 2 ) , and Western Copper and Gold Corporation’s Casino project which has Measured and Indicated Resources of 7.6 Blb Cu and 14.5 Moz Au and Inferred Resources of 3.3 Blb Cu and 6.6 Moz Au ( 3 )
(1) See White Gold Corp. technical report titled “2023 Technical Report for the White Gold Project, Dawson Range, Yukon, Canada ”, Effective Date April 15, 2023, Report Date May 30, 2023, prepared by Dr. Gilles Arseneau, P.Geo., available on SEDAR.
(2) See Newmont Corporation news release titled “Newmont Announces Increased 2022 Mineral Reserves of 96 Million Gold Ounces and 68 Million Gold Equivalent Ounces”, dated February 23, 2023: https://www.newmont.com/investors/news-release/default.aspx
(3) See Western Copper and Gold Corporation technical report titled “Casino project, Form 43-101F1 Technical Report Feasibility Study, Yukon Canada”, Effective Date June 13, 2022, Issue Date August 8, 2022, prepared by Daniel Roth, PE, P.Eng., Mike Hester, F Aus IMM, John M. Marek, P.E., Laurie M. Tahija, MMSA-QP, Carl Schulze, P.Geo., Daniel Friedman, P.Eng., Scott Weston, P.Geo., available on SEDAR.
Cautionary Note Regarding Forward Looking Information
This news release contains "forward-looking information" and "forward-looking statements" (collectively, "forward-looking statements") within the meaning of the applicable Canadian securities legislation. All statements, other than statements of historical fact, are forward-looking statements and are based on expectations, estimates and projections as at the date of this news release. Any statement that involves discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, assumptions, future events or performance (often but not always using phrases such as "expects", or "does not expect", "is expected", "anticipates" or "does not anticipate", "plans", “proposed”, "budget", "scheduled", "forecasts", "estimates", "believes" or "intends" or variations of such words and phrases or stating that certain actions, events or results "may" or "could", "would", "might" or "will" be taken to occur or be achieved) are not statements of historical fact and may be forward-looking statements. In this news release, forward-looking statements relate, among other things, the Company’s objectives, goals and exploration activities conducted and proposed to be conducted at the Company’s properties; future growth potential of the Company, including whether any proposed exploration programs at any of the Company’s properties will be successful; exploration results; and future exploration plans and costs and financing availability.
These forward-looking statements are based on reasonable assumptions and estimates of management of the Company at the time such statements were made. Actual future results may differ materially as forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to materially differ from any future results, performance or achievements expressed or implied by such forward-looking statements. Such factors, among other things, include: the expected benefits to the Company relating to the exploration conducted and proposed to be conducted at the White Gold properties; the receipt of all applicable regulatory approvals for the Offering; failure to identify any additional mineral resources or significant mineralization; the preliminary nature of metallurgical test results; uncertainties relating to the availability and costs of financing needed in the future, including to fund any exploration programs on the Company’s properties; business integration risks; fluctuations in general macroeconomic conditions; fluctuations in securities markets; fluctuations in spot and forward prices of gold, silver, base metals or certain other commodities; fluctuations in currency markets (such as the Canadian dollar to United States dollar exchange rate); change in national and local government, legislation, taxation, controls, regulations and political or economic developments; risks and hazards associated with the business of mineral exploration, development and mining (including environmental hazards, industrial accidents, unusual or unexpected formations pressures, cave-ins and flooding); inability to obtain adequate insurance to cover risks and hazards; the presence of laws and regulations that may impose restrictions on mining and mineral exploration; employee relations; relationships with and claims by local communities and indigenous populations; availability of increasing costs associated with mining inputs and labour; the speculative nature of mineral exploration and development (including the risks of obtaining necessary licenses, permits and approvals from government authorities); the unlikelihood that properties that are explored are ultimately developed into producing mines; geological factors; actual results of current and future exploration; changes in project parameters as plans continue to be evaluated; soil sampling results being preliminary in nature and are not conclusive evidence of the likelihood of a mineral deposit; title to properties; ongoing uncertainties relating to the COVID-19 pandemic; and those factors described under the heading "Risks Factors" in the Company's annual information form dated July 29, 2020 available on SEDAR. Although the forward-looking statements contained in this news release are based upon what management of the Company believes, or believed at the time, to be reasonable assumptions, the Company cannot assure shareholders that actual results will be consistent with such forward-looking statements, as there may be other factors that cause results not to be as anticipated, estimated or intended. Accordingly, readers should not place undue reliance on forward-looking statements and information. There can be no assurance that forward-looking information, or the material factors or assumptions used to develop such forward-looking information, will prove to be accurate. The Company does not undertake to release publicly any revisions for updating any voluntary forward-looking statements, except as required by applicable securities law.
Neither the TSXV nor its Regulation Services Provider (as that term is defined in the policies of the TSXV) accepts responsibility for the adequacy or accuracy of this news release.
For Further Information, Please Contact:
Contact Information:
David D’Onofrio
Chief Executive Officer
White Gold Corp.
(647) 930-1880
[[email protected]](mailto:[email protected])
Photos accompanying this announcement are available at:
https://www.globenewswire.com/NewsRoom/AttachmentNg/daa2af43-0a52-46d1-a2c4-98e1dc9f1df9
https://www.globenewswire.com/NewsRoom/AttachmentNg/087996cf-fed6-4409-ae44-c7b4e814b28b
https://www.globenewswire.com/NewsRoom/AttachmentNg/cc68c8e2-4b18-44a1-93d7-db780dd967a2
https://www.globenewswire.com/NewsRoom/AttachmentNg/01857b16-d9d3-4dcd-a882-cfe4514956b3
https://www.globenewswire.com/NewsRoom/AttachmentNg/252e99dc-a886-4712-9d9a-bf0679a00a23

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2023.06.08 14:04 FarkasDaVinki Hello! I got some questions

Hello! I’m looking to join a UA Local in Massachusetts, however 1. I’m just curious what the tests are like to get into the union, and 2. if their is a lot of work around. I’ve been doing plumbing stuff with my father and uncle since I was 12 after school and during the summer doing residential vanity’s, showers and water heaters. I’ve done some commercial work digging trenches and assembling/cutting the pipes. So I’m just interested in joining.
Also a few more questions :)
Should I get my apprentice license before I try to join the union?
Do I need to know certain people to have a chance at getting in?
submitted by FarkasDaVinki to UnitedAssociation [link] [comments]


2023.06.08 12:38 trizcon97 Gt3 car choice - Lambo vs Porsche

Hello everyone!
Im getting my License upgraded to B next week after a couple months in iRacing. iR is around 2.5k if that matters.
Ive been running GT4 after the Mazdas and I loved the Cayman, but I mostly enjoyed imsa so im getting a GT3 car to run more endurance events.
The GT3 cars looks I enjoy the most are Lambo and new Porsche, but Im having trouble deciding between the two. I prefer to only buy one (at least for now) since I have to buy tracks and money isnt unlimited.
In terms of car preference, I like cars that are a bit more of a challenge and require practice to master, so I wouldnt matter which car handles more difficult. I prefer oversteer over understeer and high mid corner speed over straight line acceleration/speed, since braking and corner exit is where I get most overtakes
Ive been browsing this sub for guidance but most GT3 comparisons dont include these two cars combined, so Id appreciate input.
I cant test drive during downtime due to work hours overlapping with those, so Id appreciate any tips. The porsche is new so there may not be a lot of info but I guess it handles similarly to the legacy one.
submitted by trizcon97 to iRacing [link] [comments]


2023.06.08 11:55 ceohub321 The Power of Marketing Automation

In today's fast-paced business world, efficiency is key. That's why marketing automation has become an indispensable tool for businesses of all sizes. With the easy availability of digital marketing platforms, automating repetitive marketing tasks has become more accessible and affordable than ever before. But what exactly is marketing automation, and why should you care? In this comprehensive guide, we will delve into the world of marketing automation, exploring its benefits, implementation steps, and best practices. Whether you're a small business owner or a marketing professional, this guide will equip you with the knowledge you need to leverage the power of automation and take your marketing efforts to new heights.

What is Marketing Automation?

n this chapter, we will lay the foundation by defining marketing automation and exploring its various applications. From printing personalized form letters to running targeted digital ad campaigns, marketing automation can streamline a wide range of marketing tasks. We will focus on automation for digital marketing and examine how it can revolutionize your campaigns.

Why Use Marketing Automation?

Discover the compelling reasons why marketing automation has gained widespread popularity among businesses of all sizes. We will explore how automation saves time, boosts productivity, and allows you to compete effectively in the market. By leveraging automation, even the smallest businesses can attract new customers with minimal effort and resources.

Marketing Automation Implementation Steps

Implementing marketing automation requires careful planning and execution. In this chapter, we will guide you through the essential steps of automation implementation. From identifying the right tasks to automate to selecting the appropriate software or platform, we will provide you with a roadmap for a successful implementation process.

B2B Marketing Automation

B2B marketing has its unique challenges and requirements. In this chapter, we will explore how marketing automation can address these challenges and streamline your B2B marketing efforts. From generating leads to nurturing them through the sales funnel, you will learn how automation can optimize your B2B campaigns.

B2C Marketing Automation

B2C marketing automation takes a different approach due to the distinct characteristics of the customer journey. In this chapter, we will delve into the world of B2C marketing automation, focusing on brand building, improving the customer experience, and driving conversions. Learn how automation can help you engage with your customers on a deeper level and enhance their overall experience with your brand.

Six Marketing Automation Best Practices

To make the most out of marketing automation, it's essential to follow best practices. In this chapter, we will share six tried and tested best practices that will maximize the effectiveness of your automation efforts. From personalization to analytics tracking, you'll gain insights into how to optimize your automation strategy for optimal results.

Best Marketing Automation Software

The market is flooded with marketing automation software options, each with its own strengths and weaknesses. In this final chapter, we will guide you through some of the best marketing automation software available. Whether you're looking for all-in-one solutions or specialized tools, we'll help you find the right software to meet your specific needs
In today's digital age, marketing automation software has become a game-changer for businesses looking to streamline their marketing efforts and drive growth. With a plethora of options available, it can be overwhelming to find the best solution that aligns with your unique needs. In this comprehensive guide, we will explore the pros and cons of some of the most popular all-in-one marketing automation software solutions, helping you make an informed decision.

HubSpot: The Inbound Marketing Powerhouse

HubSpot has emerged as a market leader, offering a comprehensive suite of tools for successful inbound marketing. Whether you're a small business or an enterprise, HubSpot provides a scalable solution that can grow with your marketing strategy.
Pros
  1. Consolidated CRM System: HubSpot's customer relationship management (CRM) system gathers data from all its tools, providing a holistic view of your customer interactions throughout the sales funnel and beyond.
  2. Extensive Integrations: With HubSpot, integrating with other tools is a breeze. Take advantage of the Jotform integration to leverage templates for contact forms, surveys, and more, enhancing your marketing efforts.
  3. Powerful Marketing Analytics:The Marketing Hub collects and consolidates data, presenting it in easy-to-understand charts and tables. Leverage segmentation options to analyze and refine your targeting strategies.
  4. Streamlined Automation:HubSpot's workflows tool enables automation of various marketing tasks, including email campaigns, social media posts, lead qualifications, and internal notifications.
  5. User-Friendly Interface:Composing emails and designing landing pages are made easy with HubSpot's intuitive tools. The Sales Hub offers an easy-to-navigate interface, empowering your sales reps to stay updated.
Cons
  1. Pricing: HubSpot's prices tend to be on the higher end, which may not be feasible for small businesses. Additional fees for marketing contacts and per-user charges for the Sales and Service Hubs can significantly increase costs.
  2. Limited Configurability:While HubSpot offers a comprehensive suite of marketing automation tools, its CRM system has limited configurability compared to platforms like Salesforce.
  3. Learning Curve:Building automation workflows can be challenging unless you have a solid understanding of how to utilize the tool effectively.

Adobe Marketo Engage: Lead Nurturing Expertise

Adobe Marketo Engage focuses primarily on lead nurturing and is an ideal choice for B2B companies seeking custom solutions aligned with their business goals.
Pros
  1. Seamless Salesforce Integration:Built using the Salesforce platform, Marketo effortlessly integrates with the Salesforce CRM, enhancing your lead management capabilities.
  2. Predictive Analytics:Marketo leverages predictive analytics and modeling to analyze digital behavior patterns, CRM data, and content preferences, enabling you to optimize prospect engagement strategies.
  3. Customization for B2B Companies:Marketo offers tailored solutions for large B2B enterprises, allowing you to align your prospect engagement strategies with your specific business objectives.
Cons
  1. Pricing:Marketo's entry-level product is notably more expensive than HubSpot's, making it less affordable for smaller businesses. Although pricing becomes more comparable at the enterprise level, Marketo still tends to be slightly costlier.
  2. IT Knowledge Requirement:Marketo requires a higher level of technical expertise compared to HubSpot, making it less user-friendly for those without a strong IT background.

Zoho: Affordable and Feature-Packed for Small Businesses

Zoho's CRM and marketing automation solutions provide a cost-effective alternative for small businesses looking for similar functionalities to HubSpot.
Pros
  1. Budget-Friendly:Zoho's affordability makes it an attractive choice for small businesses operating on a tight budget.
  2. User-Friendly CRM:Zoho's CRM system is intuitive and offers often overlooked analytics and reporting capabilities, empowering you to gain valuable insights into your customer data.
  3. Sales Automation Workflows:Zoho CRM makes it easy to build sales automation workflows, allowing you to streamline and automate repetitive tasks, saving you time and effort.
  4. Integrations:Zoho offers several integrations similar to HubSpot, enabling you to connect with other tools seamlessly. The Jotform integration allows you to utilize form templates in emails or web pages, enhancing your lead capture capabilities.
Cons
  1. Limited Advanced Features:While Zoho provides many essential marketing and automation features, it may lack some of the advanced functionalities offered by HubSpot.
  2. Scalability:Larger businesses with more complex marketing needs may outgrow Zoho's capabilities, requiring a more robust solution.

Mailchimp: Simplicity and Affordability for Small Businesses

Mailchimp is a popular choice for small businesses due to its ease of use and affordability, although it may have more limited functionalities compared to HubSpot.
Pros
  1. Free Plan:Mailchimp offers a generous free plan, making it an attractive option for small businesses just starting with marketing automation.
  2. Intuitive Interface:Mailchimp's user-friendly interface allows new users to quickly learn and navigate the platform without a steep learning curve.
  3. Extensive Integrations:With over 800 integrations available, Mailchimp provides flexibility in connecting with other tools. The Jotform integration allows you to leverage form templates seamlessly.
Cons
  1. Limited Analytics Reporting:While Mailchimp provides basic data in its reports, it lacks in-depth insights. You may receive information such as email bounce rates but not detailed analysis on the type of bounce.
  2. No Landing Page Builder:Unlike HubSpot, Mailchimp does not include a landing page builder, requiring you to rely on integrations for this functionality.
  3. Limited Automation Tools:Mailchimp's automation capabilities are mainly focused on autoresponders. To access additional automation tools, you need to upgrade your plan, potentially increasing your costs.

ActiveCampaign: Powerful Email Marketing Automation

ActiveCampaign specializes in email marketing automation and offers robust features even in its most affordable plans.
Pros
  1. Affordability:ActiveCampaign is significantly more cost-effective for small businesses compared to HubSpot, making it an attractive option for budget-conscious marketers.
  2. Advanced Automation Tools: ActiveCampaign provides powerful automation tools, including segmenting and customized workflows. The "split path" option allows you to trigger different responses based on contact actions, providing personalized interactions.
  3. Extensive Integrations:With over 150 integrations available, ActiveCampaign allows you to connect with various tools to enhance your marketing capabilities. The Jotform integration enables the utilization of form templates for contact forms and other types of forms.
Cons
  1. CRM not included in the Basic Plan:Unlike HubSpot, ActiveCampaign's CRM is not available in the basic plan. To access CRM features, you need to upgrade to a Plus account, which incurs additional costs.
  2. Learning Curve:Some of ActiveCampaign's advanced features may have a steeper learning curve compared to other solutions.

Choosing the Right Solution for Your Business

While each marketing automation solution has its strengths and weaknesses, the key is to select the one that aligns with your specific business needs. Consider the following factors when making your decision:
  1. Usage:Determine how you plan to use the platform. If you have limited email marketing needs, Mailchimp's free or low-cost plan might suffice. For more comprehensive functionality at a reasonable cost, ActiveCampaign can be a suitable choice.
  2. Scalability:Assess your business's growth potential and ensure the platform you choose can accommodate your future needs. Zoho may be an excellent fit for small to mid-sized businesses, while HubSpot and Marketo offer extensive functionalities for enterprise-level marketing.
  3. Customization:If you require a high level of customization and advanced features, Marketo may be the right choice for your enterprise. Its focus on lead nurturing and ability to align prospect engagement with business goals make it a powerful tool.
  4. Budget:Consider your budgetary constraints. While HubSpot offers a comprehensive suite of tools, it can be more expensive, particularly for small businesses. Evaluate the pricing structures of each solution, including additional fees for contacts and user licenses.
  5. Ease of Use:Assess the user-friendliness of each platform. If you have limited technical expertise, a solution like HubSpot or Mailchimp with intuitive interfaces may be more suitable.
  6. Integration Capabilities:Take into account the integrations offered by each platform. Consider the tools you currently use or plan to use in the future and ensure compatibility with the marketing automation software you choose.
By carefully evaluating these factors, you can make an informed decision about the best marketing automation software for your business.
In conclusion, marketing automation software has revolutionized the way businesses approach their marketing efforts. Whether you opt for the comprehensive features of HubSpot, the lead nurturing expertise of Marketo, the affordability of Zoho, the simplicity of Mailchimp, or the powerful email marketing automation of ActiveCampaign, there is a solution available to meet your unique needs. Choose wisely and unlock the power of automation to drive your business forward.
Also Read : Enhancing the Customer Journey with a Sales CRM Funnel
submitted by ceohub321 to u/ceohub321 [link] [comments]


2023.06.08 08:46 MummyCroc I am a government employee in Zimbabwe and I turned 34 this week (TW: Mentions of suicide)

Occupation – Government employee
Age – 34
Location – Zimbabwe
My salary – $500 (paid monthly)
Side Gig Income – $0
Other income – negligible amounts from dividends received from my stock portfolio that I re-invest
Housemates – 4 (husband P, 6 year old L, 4 year old E and nanny F. My nephew M is around and makes appearances too)

Assets and Liabilities

Equity $60,000 fully paid off
Retirement Balance ?? I contribute monthly, and employer matches fully. But because of changes in currency and hyperinflation, I don’t really count this as an asset
Savings $1700 (went down due to travelling trying to get my passport done since it expired)
Current account balance $660 Includes my mum's money since I'm managing her financial affairs while she's abroad
Loan from employer $130 I took a personal loan from work, because the interest rates are lower than rate of inflation and repayment is over 18 months. Loan was used to make improvements on our house, and what wasn’t used, I bought shares on our stock exchange, due to hyperinflation, the amount I owe in US$ has gone down
Investments (shares in various counters on our local stock exchanges) $1,186
Car $4,000 Based on current resale value. Car was bought secondhand for cash

Income progression- (https://www.reddit.com/MoneyDiariesACTIVE/comments/vbbb7s/i_live_in_zimbabwe_making_3600year_and_i_just/)

Expenses
This year, my husband and I decided that he would take on the bulk of our expenses since I do most of the domestic work/childcare. Expenses I pay will be indicated. My salary is now for my expenses, my investments and my savings, and spoiling the kids. Husband caters for the family basics. There was a point last year when I felt my husband wasn’t as invested in the family because he barely did anything financially. By having him cater for all expenses, he is now definitely involved and invested. My husband’s income is just about the same as mine, slightly higher at some times.

My Expenses
Expense Amount /period Note
Car insurance and licensing $300/annum This is due in March, and I pay for the entire year
Petrol $60/month
Electricity $10/month
Airtime/data $20/month
Groceries $60/month This is for additional groceries such as bread, veg and fruit bought during the month
Kids’ clothes $40/month I’m trying to build up their winter wardrobe so I try to buy them something each month
Makeup/clothes/toiletries/ supplements/hair $30/month I do not us this much monthly though
Water $15/month Based on last bill received in April. We do not get water consistently so bills are infrequent
Donations $20/month Ad hoc donations to a soup kitchen, and maternal health fun
Stock market investment $50/month May invest more or less, but I do try to buy shares every payday

Household Expenses (paid by P)

Expense Amount /period Note
Groceries $200/month Bulk grocery shopping of staple food items and toiletries
LP Gas $30/approx. every 2 months We buy when it runs out. Usually every 2 months depending on how bad the power supply is
Medical $15/month For OTC meds (painkiller, cough syrup, antacid stocked for emergencies) and any prescriptions
Pet expenses $60/ twice a year For vaccinations and checkups for 4 dogs. Pet food is covered under groceries
School fees for the kids $347/ term One kid has fees paid every month, the other every 3 months
Nanny $80/month Less than before as both kids are now in school fulltime, and nanny is there to get them ready for school and care after school for 3 hours.
DSTV subscription $37/month
Transport for kids to/from school $60/month L gets picked up and dropped off at home daily, E is dropped off after school

Previous MDs - (https://www.reddit.com/MoneyDiariesACTIVE/comments/vbbb7s/i_live_in_zimbabwe_making_3600year_and_i_just/) and (https://www.reddit.com/MoneyDiariesACTIVE/comments/yc801g/i_am_33_years_old_and_i_just_graduated_with_my/)

MD Q&A
Did you participate in any form of higher education? If yes, how did you pay for it?
Yes, I have a BSc in Accounting, a Masters in Accounting, and a Postgraduate Diploma in Taxation. My parents both have Masters degrees, and in my family, the bare minimum acceptable for education was getting a Bachelors. My mother paid for my undergraduate degree, and I paid cash for my postgraduate studies.

Growing up, what kind of conversations did you have about money?
My parents divorced when I was very young. My dad is the wealthier of the two, my mum has always been middle-class. My mum brought me up with very little financial help from my dad, he only covered tuition and healthcare until I turned 18. My mum catered for everything else. My mum taught me how to look for bargains, how to save and invest, and also how to sometimes enjoy your money.

If you have, when did you move out of your parents'/guardians' house?
I would say I moved out at 26 when I got my current job. I had moved out when I got my first fulltime job, but moved back home when that contract ended

At what age did you become financially responsible for yourself? Does anyone else cover any aspects of your financial life?
At 26 again. That's when I earned enough to cover all my bills without needing help. My husband P covers some aspects of my financial life, and my mum occasionally helps out with stuff for her grandchildren.

What was your first job and why did you get it?
I worked as a receptionist at my mum's law firm after finishing my A Levels (age 18) while waiting to start university. My mum gave me the job to keep me occupied and out of mischief, lol.

Do you worry about money now?
I worry about building generational wealth for my children. I want to make sure they will be set for life as adults. I do worry about money because hyperinflation is eroding my earnings and retirement dramatically. This is my second time losing my retirement. My mum and in laws are losing their retirement for the third time, so honestly our old age looks bleak if we do not invest outside of work pensions.

Do you or have you ever received passive or inherited income?
I receive negligible dividends from the shares I own, lol.

Day 1
0430 – I’m woken up by loadshedding. I sigh, rollover, and sleep some more
0600 – Alarm goes off. I turn it off, enjoy cuddles from P and finally get out of bed. Our water tanks ran out 4 days ago, and council has not yet deigned to give us water, so we rely on P’s parents and friends to give us water. I get my water that was warming up on the stove, and take a quick bucket bath. I moisturize, do my brows, throw my lace wig on (I cut my hair in January, and I’m at a really awkward stage where my hair looks bad when I wear it out all day) and get dressed. It’s cold in the mornings so I put on winter stockings and a black and white chevron patterned dress, nude ballet pumps plus my warm jacket. I get E from the couch where he was watching Cocomelon and my lunch bag out of the kitchen and we head off to his school. After dropping off E, I go to the office. No electricity means no elevator, so I go up the stairs. I see my boss’s boss and greet him as we do the ZESA (local electricity company) sponsored workout. I log in to the work register, fill up my kettle, and settle down to check out my work email. Nothing urgent came through overnight, so I go into my personal email. The wig company I patronize has given me a code for my birthday, and I’m wondering if I should pull the trigger on my cart. I decide to do a report while thinking this through.
My mum is currently working out of the country, so I am managing her local finances/obligations while she’s away. I remember I have to buy the prepaid electricity token for my childhood home as well as for the house she lives in when she’s working in the country. I spend $23 on electricity for both houses (mum’s money so doesn’t count)
1030 – After doing some firefighting and office gossip I have my breakfast. Today its rice, peas and 2 fried eggs. I sprinkle some peri-peri Aromat on top since I don’t have a sauce/gravy ad I have been craving spicy food lately. I also pop my multivitamin and supplements. I check my team’s work and send back anything that needs correcting. I also generate the multiple reports my boss expects from me. I suddenly remember I need to claim my allowance for performing a role that is higher than my actual position at work. I quickly complete the form, and send it to my boss for his signature. The extra money from this is what I use to fund my stock market investments. I also remind my team to send a report to me for consolidation by noon.
12.00 – I do a major push of all my work due today so I can relax after lunch. I compile my reports and set them ready to send. I also finish my first 2 litres of water of the day, and cue up the next 2 litres
1300 – Its lunchtime, and my work bestie and I head out around town**. I find shorts that L would fit and buy 2 pairs for $10**. We head back to the office and I have caramel popcorn for lunch. Then I remember I forgot to have my afternoon meds, oops. Anyway, more work before heading to an audit meeting
1630 – The audit meeting is finally over, and I rush to shut down my computer, pack up my things and go home. I have an agreement with my manager that as long as I make up for the hour, by either coming early or skipping lunch, I can leave work at 4pm. I had a total hysterectomy end of last year so I still can’t manage driving in heavy traffic. I arrive home, make the bed (P had not made it when he went to work), and harvest chilies from our garden that have ripened. I also harvest a local herb used as a flu remedy and lemongrass, so I can brew up a tea/tisane for the flu affected people in my house. I also pack L’s lunch for tomorrow, a pie, a naartjie and juice. It’s also F’s payday, so I give her US$80 (P gave me this money).
E says he is hungry so I feed him sadza and sour milk by his request. I multitask covering L’s school textbook while supervising his homework and watching Married to Real Estate and the Great British Bake Off. I then have my dinner of sadza, greens and beef. I have a chat with the kids about their day at school. P gets home.
1900 – P and my nephew M go to fetch water from P’s friend’s house. The city council still hasn’t opened up our water supply. I do some French on Duolingo while the boys wreak havoc in their playroom. I read L and E their bedtime stories and put them to bed. I decide to do my hair in cornrows while watching Masterchef Australia. They get home and I help them carry water indoors. I remember that when power comes back I need to boil tripe on the stove, so I cut it up, put it in the pot with water, salt and garlic, and place it on the electric stove. We have serious loadshedding these days, so we have a gas stove and solar power to tide us over. I take a quick bath and change into my pyjamas. While P watches TV, I read Wild Sweet Love by Beverly Jenkins and continue to do my hair in cornrows.
2200 – My arms are tired and I’m only halfway through with the cornrows. I give up and go to bed with P.
Total spent - $10

Day 2
0600 – I hear crying. E is in a bad mood today. I turn off my alarm, and go to see what’s wrong. E does not want to get dressed for school. I sigh, and help F dress him while he throws a massive tantrum. E is dressed, so I go do my morning routine of shower, moisturize, contact lenses, and eyebrow makeup. Today, I wear a green dress I took from my mum, black tights, nude ballet flats and a black and white coat. E gets put into the car by F, and starts crying for porridge. We are already late, so he learns that the consequence of refusing to eat his porridge on time is to go to school without having his porridge. It’s not a big issue though, as he gets fed at school. So I lock the doors and windows and drive him to school as he throws a tantrum for the entire 10 minute drive. I shove him into the school gate and head to work.
It’s another ZESA sponsored stair workout today. I log into the register, and fill up my kettle with water. I switch on my computer, check my work email and send off client emails to my team for their response. My personal email has an annual report from one of the companies I have shares in so I check out if there’s a dividend this year. I own a negligible number of shares in the company though, but 28c per share is quite impressive. I check to see if my stock exchange wallet has been credited with the money I transferred there so I can buy more shares. It still hasn’t so I send a follow up email o the enquiries desk at the stock exchange. I do have a stockbroker, but I prefer doing my trades myself. I also do some French on Duolingo before 8am.
0830 – Our HR is in a tizzy because people are late for work. I don’t make a big deal out of it usually, because salaries are shit and people are demotivated. As long as my team shows up and does some work, I’m ok. I approve some work, and warn my team about coming in a bit too late. I also tell a teammate that she will have to cover for me on Monday as I am taking the day off. Our internet connectivity is shit so I can’t log into our system to check some stuff. My work bestie gives me avocados from her house. I almost cry because I have been craving avocados, but been too cheap to buy them.
1000 – I have a really bad sore throat. I am also hungry since I haven’t had breakfast yet. I jot down my shopping list for the weekend and head to Pick ‘n’ Pay to buy carrots, green peppers, tomatoes, lemons, cheese, polony and bread. I also buy my breakfast/lunch, which is rice, beans, ox liver and egg salad**. It all cost $10**. I leave my shopping in my car, and go to the office to wolf down my food, and take my multivitamin and painkiller. I also receive my wigs that I bought in May. Perfect timing, as I want to wear a new wig tomorrow for our girls’ day out.
I do some more work, and remind my team to send me the information I need for my daily reports.
1300 – I go out to buy a few items I didn’t find in Pick ‘n’ Pay earlier**. I go to Spar and buy peas, eggs, soft drinks for the outing tomorrow and a sausage roll. Total cost is $10**. The outing has been deemed kid friendly, so I needed drinks for the boys to have tomorrow. I get back into the office, and spend the rest of the lunch hour working.
1600 – It’s finally time to go home. I send my email to handover work issues for the person who will take over my role on Monday while I am on leave. I also send my out of office email, and head home. The kids are at their grandmother’s, so I take a leisurely bath, put on my pyjamas and eat dinner. Then I watch Masterchef Australia until P and E get home. I also get in some French Duolingo practice
2000 – P goes out with his friends, so I snuggle up on the couch with E and watch TV. I put E to bed, read him his bedtime story and kiss him good night. I finally finish season 13 of Masterchef Australia, and move on to My Kitchen Rules Australia. I love Australian reality shows, ngl.
2200 – I go to bed P gets home and tells me some bad news about a friend of ours. I feel very sad for him. He cuddles me and we sleep.
Total spent - $20

Day 3
0700 – I wake up feeling like a truck ran me over. I get out of bed, and get ready to hand-wash our laundry. We still have no running water so we can’t use the washing machine. I play music while doing my laundry to keep me motivated
0900 – Laundry has been hung out to dry. F has cooked potato curry, so I boil eggs and water. I have my breakfast of potato curry, egg, multivitamin and coffee. Once I’m done, I give E a bath and dress him. I also bath, moisturize, do my brows and get dressed. I’m wearing jeans and a t-shirt today as my friends and I ae supposed to take our kids out for a playdate. Then I receive a message that the outing is cancelled since one of our group is really sick. I try to think of something I can do with E, since L is out having fun with his grandmother. I do my Swahili Duolingo practice.
1100 – The welder comes to do some work on our garage door. I monitor the work for a bit, and then my nephew takes over. E starts really bugging me to go out. So I put on my headband wig and sneakers, and pack a cooler bag with snacks and drinks. We head into town and I buy myself some ciders for $9. These are for me to drink when the mood strikes me. E wants to go to a resort by the lake so I oblige him. We pay $8 for our entrance. He goes to play on the swings, and I take pictures of him having fun. Another family turns up, and one of his classmates is among them. He’s so happy, and goes to play with his friend. I watch him running around.
1500 – I get a call from my friend that she’s in town with my cake. This cake was meant for the cancelled outing. I pack up our stuff, hustle E into the car and drive back into town. I let out some colourful swear words when I realise I forgot to get our change of $2. Anyway**, I meet up with my friend and get the cake, and pay her $30**. It’s so pretty. I call my MIL while still in town to find out what time she will be there so I can pick up L. She says it will be an hour, so E and I head home to drop off the cake so it doesn’t melt in my AC-less car.
1600 – We are back in town waiting for L and MIL. E wants an ice cream so I buy him one for $0.50 using money I had in my Innbucks wallet. MIL calls and asks me to head over to where she is to pick L up since she can’t leave yet. E and I get there. MIL gets me sadza and goat tripe stew, which I eat a bit of to be polite even though I am not hungry. When I’m done, I pack up the kids and drive home. I bath and change into my pyjamas.
1800 – I feed the kids, and we play until their weekend bedtime of 8pm. I read them their bedtime stories and tuck them in. I watch TV and iron my morning laundry while having a gin and juice until 9pm, and head to read in bed. P and my nephew arrive home from their amateur soccer league match and subsequent outing with the boys. I fall asleep soon after.
Total spent - $49.50

Day 4
0700 – I’m woken up by L demanding that I come and play with them. I am still sleepy so I fob him off.
0900 - F knocks on the door and tells us she is off to church. I finally get out of bed and get dressed. I see the boys playing relatively peacefully so I let them continue with their antics. In the kitchen, I find F had cooked breakfast, and since I’m starving, I heat up water for coffee. L surprisingly isn’t hungry so I serve up breakfast for P and me. I have my daily multivitamin. P heads out to go fetch water, while I bath, change and hang out with the kids. I also do my French Duolingo practice for the day
1200 – I have played with the dogs and kids, and I am exhausted. I collapse onto the couch and watch MKR Australia. P gets home, and naps on the couch. I give the kids haircuts and baths.
1700 – L is hungry and really wants cake, so I feed the kids a dinner of sadza and sour milk. Then some cake for dessert. I also pack L’s school lunch, which will be a polony sandwich, a cupcake and juice. The kids play until its bedtime at 7pm. The usual routine, bedtime stories and tuck in is done
2000 – P and I watch a movie while having some alcoholic drinks.
2200 – Bedtime for us
Total spent - $0

Day 5
0600 – It’s my birthday today. I am going all out celebrating myself since TW I tried unaliving myself twice in the past year. L wishes me a happy birthday before he goes to school. I get birthday messages from my mum, dad, SILs, and friends. I also get a call from my brother, his wife and their son, and they sing to me. I feel very loved today. P goes to drop off E at school today so I can sleep in
0800 – I am finally up and hungry. I cook a quick breakfast of boiled eggs, and a bean curry. P takes my car to get serviced, while I bath, moisturize, contact lenses, do a full face of makeup and get dressed for the day. Today I wear a tie-dyed cutout mini-dress and sneakers, and my wavy headband wig
1300 – P is home and he drives me to a hotel outside town near a renowned tourist site in our country. We have a platter of fried fish, chicken strips, pork strips, fries, and a salad to share and multiple Savannah Drys while there. It’s really nice getting to reconnect after a very tumultuous year in our marriage. P pays.
1700 – We drive around the area, before heading home. Once we get home, P and my nephew go on a hunt for water, while I feed the kids. P and I head off to take our showers. I remember why I don’t do a full face of makeup when it take a long time to get the makeup off my face.
1900 – The family sings happy birthday, and we eat cake. Birthday gifts were gin and chocolate. I hustle the boys off to bed. No story today, as they went to bed later than usual. P watches TV while I read my novel.
2100 – Bedtime for the grownups
Total spent - $0

Day 6
0530 – I wake up and lie in bed for a bit. Then I read my novel some more.
0620 – I am up, and take my bath, moisturize, do my brows and get dressed. It’s cold this morning, so I wear a yellow dress with black polka dots, black tights and ankle boots. I pack up the cake I’m giving to my colleagues, as well as my water bottle. E and I head out. I drop E off at school, and go to the office. I log into the work register, turn on my computer, and check my emails. There are a few pressing issues I need to get up to speed with. One of my colleagues gives me $50 as a birthday gift. I also hand out the cake to my team.
0900 – Work is pretty quiet today, so I update my MD. I also receive news that one of my nephews is getting married. He is not that much younger than me, and could be my younger brother, but it makes me feel so old.
Note on my family: In our culture, even distant relatives are given close relationships so the large number of nephews/nieces is from those relationships. It’s a big thing done to maintain close family bonds. I have 4 actual (in a Western sense) nephews and nieces who are all under the age of 6.
1000 – I head to the supermarket and buy bread, onions, carrots, pork chops, pork trotters and my breakfast and lunch. This costs $25. The meat is the main cost driver here. I have a sausage roll, my multivitamin, supplement and milk for breakfast. I remember that I need to check if my stock exchange wallet was credited, ugh. The website is refusing to load and I’m very frustrated. I finally log in and see the amount is still not credited. I email and send a tweet to the stock exchange. Hopefully the tweet will get them to start moving.
1200 – My boss is mad. One member of my team left his desk without informing me and there’s an urgent matter. I was about to go downstairs to give P the groceries, so I stick around for a bit before committing the same offence as my subordinate, lol. I quickly get back into my office and check on work, sign some papers and letters, and clear out my emails.
1300 – My work bestie has to run other errands at lunch so I decide to stay in the office. I check my personal email and see I have received a dividend of $0.27, lol. The share price will probably drop soon, so I will buy more shares in this counter if I can get them to increase my shareholding. My goal for this year is to breach the 10,000 share mark for one counter. I suddenly remember I have work to do, so I use my lunch hour to do the work, and then take a quick break to eat my lunch of fries and a sausage and do some Swahili Duolingo practice.
1500 – I am thinking of going home when one of my team members calls me to deal with an angry client. I go to the office, and find out it’s a surprise birthday party from my team. I am so happy, lol. We have more cake, and there’s also fruit and juice. I head home feeling so appreciated with even more cake.
1700 – P and my nephew go out to get water. I warm up my bath water, and give the kids their dinner. Today its rice and croc meat. I make L’s lunch for tomorrow, a toasted polony sandwich and juice. I also pack my lunch, rice, a fried egg and peas. And some cake for my work bestie’s kids. I take my bath; change into my pyjamas and hound E to eat his food. If we let that kid be, he would probably live on the bits of our souls he sucks out daily by being stubborn. I am feeling nauseous so I have plain rice with a bit of avocado. The kids watch cartoons, while I do some more Swahili on Duolingo.
1900 – Bedtime for the kids. Today, there’s no demand for a bedtime story, so I just tuck them in and tell them I love them. I read my novel as increasingly feel more nauseated. I end up going to hurl my guts out. P comes home and finds me lying limply on the bed. He gives me a cuddle, and goes to eat his dinner. I get up but smell fish, and run back to throw up. If I hadn’t had a hysterectomy, I would be doing a pregnancy test ASAP.
2100 – I go to bed, and lie in bed for a bit, before finally drifting off.
Total spent - $25

Day 7
0500 – I wake up feeling nauseated again. Ugh, this reminds me of having hyperemesis while pregnant. I put my water on to heat and get back in bed to read some more.
0600 – E comes to lie on our bed. I get out of bed, and go throw up. I get my bath water, take my bath, moisturize and put my contacts in. I look like a reanimated corpse this morning. I do my brows to try bring a bit of life to my face and get dressed. It’s very misty and cold today so I put on warm brown tights, a long black dress, my warm jacket and ballet flats. I grab my lunch and the cake, pop E into the car and head out. Visibility is extremely low, so I drive slowly. I don’t know why people like surprising other drivers by having their cars pop out of the mist without switching on their headlights. I successfully avoid the drivers who hate life and drop E off at school before heading to work.
0700 – I am in the office, and I log into the register, before turning on my computer and checking my work email. Not too much in there, so I check my personal email. My stock exchange wallet has finally been credited with the $100. I also ponder whether I should pull the trigger on a V-part wig.
I do my weekly report, and start doing some boring work in the system. I realise I didn’t save the work I did yesterday, so I have to re-do it, so I can have the list of error messages to send to ICT.
0830 – Everyone is in the office, so I do some reshuffling of duties, so that essential areas are covered while one of my colleagues is on leave. I give the cake to work bestie, who tells me how much her daughter was excited over the cake yesterday. It’s now time for me to put my head down and really focus on knocking out the system work today. I also log into an online training, and I listen while doing my work. My mum also deposits money for my birthday gift and to spoil her grandkids.
1000 – I log into my stock exchange account and buy shares for $99.14 (doesn’t count as spending, as the money was moved before the MD started). The deadline for other departments to submit their weekly reports to me for consolidation has passed so I start following up. One department is a big problem as they always send their report late. Le sigh. I draft a very passive aggressive email to them. I also decide not to buy the wig and instead ask the person making me my custom earrings that I got myself for my birthday to bill me the rest of the money so I can pay and move the remainder of the money in my account into savings. Our currency has taken an enormous hit in the last week, and is free falling dramatically. I’d rather keep USD cash than money in my account at this point. The training finally ends.
1100 – I’m getting hungry so I go warm up my lunch, sprinkle on peri peri Aromat and dig in. Yum. I also have my multivitamin and supplement. A lady who sells local snacks comes in. She persuades me to buy maputi (corn nuts mixed with roasted peanuts) for $0.50. I buy them for my afternoon snack. I end up sending the report with missing statistics, and tell the department to send directly to the compiler, as they were late. That was a very aggressive email tbh. I’m still hungry, so I munch on my maputi, leaving the peanuts because I don’t feel like eating them lately.
1200 – I see a missed call from a number I don’t know. I call and it turns out they had sent money to my mobile wallet mistakenly. I check the mobile wallet and it shows it had an extra $11. I send the money back to the person. Times are too tough to keep people’s money
1400 – I snack on a few skittles instead of having more food. I just want something to entertain my mouth, I’m not hungry at all. I review more work and drink more water. The jeweler has sent the payment request for the earrings. I pay $100 (total spent on the earrings comes to $200, which is worth it for sterling silver custom made Jewellery. I use $50 of the birthday money from my mum to cover for part of this expense)
1600 – Finally time to go home. I shut down my computer, and drive home. Once I’m home, I put on my bath water, and help L do his homework. Then I do some Swahili Duolingo practice and pack L’s lunch for tomorrow. He requested maize (corn on the cob), a boiled egg and a naartjie. His wish is my command for once. I also pack my lunch, a boiled egg, peanut butter sandwich and a bit of birthday cake. The jeweler sends pictures of the final product. They are absolutely gorgeous. Happy 34th birthday to me!!!
1800 – I serve the kids their dinner, and go to take my bath. P sends a text that he will be home late as they are working late today. I have my own dinner while persuading E to eat his food
1900 – Bedtime for the kids. I read them their bedtime stories, tuck them in and tell them I love them. Then I go to watch TV. I’m catching up on Married to Real Estate, Food Factory and Man Vs Food. You can tell that reality TV is my jam.
2100 – I decide to have some decaf black coffee and cake as my bedtime snack. P and my nephew arrive home. They are later than they thought they would be because nephew dropped his phone in the middle of the highway and they were searching for it. Because nephew’s ancestors were on the job, they found it intact. It’s a big deal because this is a major highway and huge trucks use that road constantly. I chat with P as he has his dinner and takes his bath.
2200 – Cuddles and bedtime for us

Total spent today – $100

Total spent this week – $204.50

Spending by categories
Food & Drink – $84.50
Home & Health – $0
Clothing & Beauty – $110
Transportation – $0
Fun & Entertainment – $10

Reflections on this week’s spending
The spending is pretty much about normal for me tbh (excluding the cake and earrings). I had quite a bit of petrol in the tank so I didn’t need to top up my tank this week. The converted US$ prices are a bit inaccurate since our currency had a big drop this week, and most of my spending is in local currency. I could reign in my spending a bit, and focus more on investing. However, I do enjoy using my money to bring joy to my kids and myself. Particularly myself after the absolutely shitty year I had.
submitted by MummyCroc to MoneyDiariesACTIVE [link] [comments]


2023.06.08 05:33 KillerOrangeCat Three New Terrifying True Scary Tales 6/7/2023

Three New Terrifying True Scary Tales

Number One: The Pool

Now, this happened a very long time ago. I am not going to mention when or where though and I am submitting it anonymously. I don’t want people going back and finding out more about it and then lashing out of me.

I was 13 years old and my brother was 11. As I mentioned, this happened a long time ago and I think today, not a lot of parents would put a 13 year old in charge of an 11 year old. But this was not unusual at all back then. In fact, I was looking after my little brother all the time before either of us even hit 10 years old.

After a while, of course, always keeping my eye on him began to get very annoying. It interfered with my hanging out with friends. It was quite a drag when I would try to talk to girls. It was just a pain in the ass, really.

Anyway, one day during a really hot summer, our parents decided to drop us both off at the local swimming pool for the day. My dad had to work and my mom had errands and stuff to run plus work do to do for the church. It was so hot and there was no way we could afford air conditioning. We had one old fan in the house and a sprinkler in the yard that we could go play in. But the swimming pool was the much better option.

Of course the pool was very crowded. Lots of families would drop their kids off there during the summertime. And of course, even though I knew it already, my mom stressed to me, “Keep an eye on your little brother at all times.”

Some of my friends were at the pool too. I got to talking to them and they told me about this new girl who moved into town. She would be starting school that fall and supposedly she was really hot. So of course, I wanted to check her out. I knew the lifeguards would be watching my brother in the water, so he would be fine.

I went with the guys and the girl was really cute. My buddies all dared me to approach her, which was admittedly a brave thing for a 13 year old boy to do. Of course, I couldn’t chicken out in front of them, so I did just that.

She was a very sweet girl. We actually ended up talking for a little while. Her parents were at the pool though, and they called her back after too long. So I went back to the water to see how my little brother was doing.

The only problem was that I couldn’t see him anywhere in the water. This was a small town in a rural area, so although I said the pool was crowded, it wasn’t like a water park is crowded though. I should have easily been able to pick him out of the water. He just wasn’t there.

I went and searched around the area surrounding the pool and didn’t see him there either. My heart started beating faster and I began panicking. I went to the building where the showers and concession stand were. He wasn’t there either. You couldn’t leave that pool without going through that building, though. I asked the attendant if a 11 year old boy had left the pool on his own in the previous hour and he told me no.

I then went to the lifeguards and my buddies. I thought maybe there was a chance that I had missed him. It’s easy to occasionally miss someone in a crowd. The lifeguards ordered everyone out of the pool. Fortunately, there were no drowned children in the pool. Unfortunately, my brother was nowhere to be found outside of the pool.

The lifeguards had to call my mother at the church. I had never before lost track of my little brother like this before. I had no idea what to expect when she showed up. I was only thankful that the police were already at the pool or she probably would have whipped my ass right there in front of the entire pool.

The trouble I got into at home isn’t something that I want to go into very much. My butt very much has PTSD from the experience. But that was minor compared to the fear I felt for my little brother. Hell, I didn’t even have time to feel guilty although that I knew that I was. I was only concerned for him and wondered what would happen.

All day and night, I expected the police to bring him home. But that didn’t happen. I expected it the next day too. But it didn’t happen.

The town organized a search to look for him. I kept expecting to hear from them that they had found him. But that didn’t happen either.

After about a week of my brother not being found, I began fearing for the worst. I began thinking that he was dead. And I was terrified every waking moment of my life, expecting to absolutely hear the news that his dead body was found.

Nearly two weeks after the disappearance, we got a phone call from the police. They had found my brother and thankfully, he was alive. But unfortunately, that’s not the whole story.

Remember the attendant telling me that no boy had left on his own? Well that’s because the boy left with one of the lifeguards who was getting off duty. He had lured my brother out of the pool and into his car with promises of ice cream, something he and I rarely ever got. And my brother went to his house with him.

For all of that time, he kept my little brother locked up in his basement. He didn’t do anything sexually to him, thank God. But there was a lot of mental and some physical torment when my brother wouldn’t do what he was told to you. But the scariest part for him was thinking he would never get out and be with his family again.

Here is another weird part. The lifeguard wasn’t an adult. He did this while his parents were out of town for a few weeks. They came back early and caught him. And if you think I felt bad for my parents’ punishing me, what they did to him had to be legendary. The police thought he was either planning on killing or releasing my brother before his parents got home. But no one ever knew for sure.

He had to live with it without much help for a long time. Mental health assistance had a very bad stigma back then. But we’re both still alive today and he forgave me a long time ago.

Number Two: Taking the Garbage Out

A few weeks ago I went outside at around 3am to move the garbage to the curb since pickup would be in the morning. I often do this in the middle of the night. I just tend to keep weird hours and as the weather warms up for the summer I find the warm nights preferable to the sweltering days.

I’m not worried about bothering my neighbors since I don’t use noisy bins and all of the houses right next to me are currently empty. I actually find the quiet of the neighborhood at night quite relaxing.

Unfortunately since I don’t use bins animals are able to get into the bags a bit easier and while this doesn’t happen often it had happened on this night. So I was outside picking up the strewn around garbage and putting it into another bag when the silence of the night was suddenly broken by multiple police sirens.

At first they seemed distant and while they startled me it was not at all unheard of to hear sirens at night here. But usually it would be one in the distance. As I listened, still bagging the garbage, I could tell it was multiple sirens and they were getting closer. Then just as suddenly as it started it stopped again. There was just silence. By the time they stopped they sounded maybe four blocks away.

For a moment the night was silent again and I began hauling the bags to the curb when the neighborhood dogs began barking all at once. It was like every dog in the neighborhood had gotten the cue to start barking. Many were even howling. It continued for maybe a minute and once again it just stopped as suddenly as it had started.

I realized I hadn’t heard any barking or howling while the sirens were going and that’s normally how it would work. These dogs had started up separately from the sirens and just stopped all at once. It just wasn’t normal. I went back to the side of the house to grab more bags when the silence was broken a third time. 

Just a single chime in the night. Like someone getting a phone notification. This sound wasn’t blocks away. This sound was here. RIGHT HERE. No more than feet away. As I said, the houses around me are empty.

I was done. The rest of the garbage would wait until morning. I didn’t see anyone close by but that just made it worse. There was someone close by that I couldn’t see. I immediately went into the house to leave the garbage for the morning.

I don’t know if these things were related. If the cops had been chasing someone who’s fleeing had caused the dogs to bark. Someone who received a message on their phone as they approached my house. Or if it was all just a coincidence. But I won’t be taking the garbage out at 3am anymore.

A Commuter’s Nightmare
William M.
06/30/2021

Back in the 80s, I worked at the Irwin Memorial Blood Bank in San Francisco while living and commuting from Oakland, CA

My job as Registrar, took me all over Northern California, during Blood Drives at hospitals, clinics, major corporations, etc., where we would sometimes witness firsthand, the dead, being placed on gurneys, running out of the Coroner's or Medical Examiner’s rear doors, and down the sidewalks, because they simply didn’t have enough room or staff inside the morgues to process them. Mortuaries were having problems too due to the massive overload where deceased loved ones were admitted but not processed or interred for months or even years at a time.

I remember watching the News and reading newspaper accounts of E.R.s in hospitals, clinics, etc. so clogged with patients, that 1 in 10 would die waiting to just get in to see a Dr. It was a Public Health and Safety nightmare. It was a National disgrace. It was politically orchestrated mass murder. It was the B purge of the ‘80s and ‘90s.

I remember, starting work early on one of many Blood Drives (the A.I.D.S. epidemic was just getting started) and having to catch the first B.A.R.T. (Bay Area Rapid Transit) train out of the station at about 4:00 am, where morning after morning I would witness hundreds of people sleeping on the benches, or the sidewalks, or on the streets outside, waiting for it to open.

Hundreds of others would be seen walking around like zombies in the early morning freeze amid the concomitant yelling, screaming, moaning, begging, and pleading, all of it looking like a newsreel of the death camps at Auschwitz-Birkenau.

Many times, I was woken at home in the middle of the night, to the sounds of people howling and cursing outside my window at some real or imagined threat, until either the police came, which usually took hours because they were spread so thin, or some tenant, or other, ran them off.

I remember the time I woke up to the sound of a woman’s voice begging in the early morning cold for someone to help her. She kept repeating it over and over growing weaker and weaker until it was little more than a whisper.
By the time I’d gotten up, armed myself with the steel-reinforced baton I’d purchased at a Police Supply store, and ran the 5 floors down to the ground floor, I found her sitting in a taxi shivering from the 42-degree drizzle coming in off the Pacific. The cabbie told me it was alright; she was just cold and needed someplace to rest and warm up; He’d drop her off at one of the nearby shelters.

At the time, I was living in a local Residence Hall on Lake Merrit in Oakland, California which was little more than a converted Hotel from the San Francisco/Oakland Gilded Age of the late 1920s. It had 5 floors and a penthouse with a capacity of about 200. I never saw it get much beyond about 30 residents. It sported a full kitchen, dining area, big screen tv viewing room, swimming pool, and a recreation room with pool, foosball, and darts.

I lived with a friend, at the time, on the 5th floor just under the penthouse. There was an elevator, but like most refurbs, it didn’t work. That meant we'd have to climb 10 flights of stairs every day to reach our room. The best part was that we had the entire floor to ourselves. I guess nobody wanted to climb that many stairs. Because we were both runners, it was a little like running the 900 feet to the top of Angel Island, running across The Golden Gate Bridge and back, or running the 3.4 miles around Lake Merrit twice a day.

Because there was no air-conditioning, all the windows were left open during the summer months, but along with whatever cool air the San Francisco/Oakland Bay would bring through the gaping nearly wall-length vault ceilinged windows, it was always accompanied by the teeming, screaming City of Oakland street din: cabbies, buses, cars, trucks, vans, motorcycles, scooters, police sirens, ambulance, fire department, pedestrians, hustlers, druggies, break-dancers, prostitutes the homeless, et al. Day or night, winter or summer, it was like living in a jet engine test lab, somewhere on the 9th level of hell.

Of course, we could always close the windows against the noise 5 stories below. But if it was summer, with all the humidity coming off the bay, we’d roast like 2 suckling pigs in our own sweat even if we used a fan.

One night after a particularly grueling day at work, I came home, climbed Mount Everest (or at least K-2) to my steaming little abattoir, tore off my sports jacket, shirt, and tie, and fell into a coma-like sleep only to awake some 4 hours later to the sound of someone slamming a door, over and over, seemingly as hard as they could. It was about 2:00 am and raining so hard the water was pouring through the open window and flooding the floor and carpet. The sound was coming somewhere down the hall from one of the other units.

After about the 15th or 16th slam to my inner ear, I was up, as in a trance, running like a lunatic from unit to unit and window to window, covering the entire southside of the 5th floor; battening down the hatches, and getting drenched in the process. It was, how should I say: exhilaratingly infuriating. I was supposed to get up in 2 hours and commute to work in the upper peninsula.
Having unconsciously completed this Sisyphean task and realizing that there was zero chance of getting any sleep, I donned my foul weather gear, equipped my trusty baton (I used to tuck its 2 ½-foot length up my sleeve when running), and headed out the front door to Lake Merrit which was just outside the main entrance. From there, I trotted to the sidewalk circling the lake, and began to run.

As I ran counterclockwise against a torrential rain with a gale-force wind broken only by the occasional intermittent rainbow-hued lightning flashes which blinded me to almost everything around me, I almost ran into someone up ahead who was walking in the same direction.

He was hunched over against the wind and rain and wearing a long heavy winter coat. Unusual for that time of year, I thought. Whenever I would run in public, I always made it a courtesy to let people know when I was approaching especially from behind. I’d blurt out a perfunctory:

“Excuse me.” Followed by a conciliatory:

“Sorry.”

But apparently, the person ahead either didn’t hear me or didn’t care because, when I was about 6 feet from him, he suddenly turned around, exposing a darkened contorted face, jagged teeth, and a guttural growl that would have stopped a charging 600-pound Grizzly.

The sheer force of the malevolence emitted from this inhuman thing almost made me stop, but because I was moving so fast, the inertia along with the gale force wind and lightning strikes propelled me past him (or it), and fingering my steel-reinforced baton, I, in turn, steeled my nerve and kept running. I looked back only once to reassure myself that he (or it) wasn’t following.

Running on the leeward side now, with the rain at my back, I ran past a group of men in a circle smoking or drinking or doing whatever noxious or illicit thing I imagined, when, feeling charged with my own adrenalin, or the anger and resentment at that woman’s searing pleas for help, or the spook I’d almost run into, or just the gross injustices thrust upon the world in that dank, dark and dangerous time, I almost stopped, baton in hand, intending to take on the whole group: I may go down, I told myself, but at least I would take one or two with me.

Just then, the lightning struck particularly close to where I and they stood and the sheer blinding flash and concussive boom shook all of us enough to break up their conspiratorial collaboration and my righteous crusade; just enough, that is, to shove me headlong around the next bend, to the long straight full out dash to the front doors, the 5 floors, 10 landings, and 50 risers to rain-sodden home.

To get to work every day, I'd have to commute to the upper peninsula by using 3 buses, 1 train, and 1 cab and after a 10 or 12 or sometimes 14-hour day, I would have to take the same to get back. This meant that if I didn’t go out, make dinner, eat, or watch tv, I just might get about 4 hours sleep. Commuting took between 2 to 3 hours, one way.

Once on the way home, almost every stop was crowded with commuters. I was told that it was because there were so many buses down for repair. The ones still running were so filled beyond capacity, that the shocks and springs were sitting on the chassis, and stop after stop proved nearly impossible to take on any more passengers. Still, and despite the few getting out at every stop, the driver would take on even more and just pack them in.

I remember him yelling for people to get back behind the yellow line over and over. By then, he was long past any semblance of reason; his patience frayed to a single maniacal thought, his voice raspier and raspier, his manner, more and more brusk.

I can still see when he finally lost it; jumping up, out of his seat, with a nickel-plated 38 Caliber Revolver pointing at one of the passengers; an elderly woman, screaming from the top of his lungs:

“Get back behind the yellow line!”

I can still hear the woman begging the driver:

“Please...” while the passengers behind were practically trampling each other to get out of the line of fire.
I remember the sad, exhausted urgency in her voice; she really was trying to move back, but how could she, an old woman, do that with all those people blocking her way? Everyone knew this was an impossible task; everyone except the maddened driver. He just kept glaring, and bellowing with his gun out pointed right at her and the other passengers.

"Back up and make room" he yelled.

‘Or else what?’ I thought. ‘You're gonna kill an old woman?'

Getting up out of my seat, pushing my way through the throng who were pushing against me to get away, I managed to get within about 6 feet from the front when, roaring through the din and my fear and anger, I ordered the bus driver to:

“Put the gun down!” And again, with even more rage and authority:
“Put the gun down, now!”

The bus driver shocked that it might be a cop, or worse, shakily, put his gun back in his concealed carry holster and hypnotically sat back down. He resumed driving without saying another word. I got out at the next stop, along with the elderly woman. She was so shaken, that she busted out crying. I held her still fuming despite the close call because I would now have to wait for another bus and after that, 2 more; the train and a cab to get home. I wasn’t going to make it until well after 8:00 pm. As soon as I got home, I reported the bus number and the driver to Muni.

Many of the commuters I'd see day to day, or share a seat with were victims of the purge just trying to get out of the rain or the cold, or the wind, or the sun, even for just a little while. For them, it was easing the agony of living on the street, even just a little. For many of us regular commuters, during those dark times, it proved to be the same.

On one of the final buses that would take me to the train and across the bay, I remember standing, with about 50 others, on Market Street waiting. Like ours, stop after stop was so packed with people, some were standing in the street because there was simply not enough room on the sidewalk. The ones in the street would stay where they were for fear of losing their place and missing their connection and having to wait another hour, or more, to catch another.

Because the rapidly descending elevation of the southbound streets ending at Market Street from the upper peninsula were so steep and the transverse angle of the turn so sharp, some of the buses would skirt the edge of the curb, sometimes rolling up over it onto the sidewalk putting them dangerously close to the commuters waiting on the other side.

If there were any people in the street, especially the old or the infirm, they would either have to get out of the way and lose their place in line or hope the bus driver stopped before completing the turn. Most of the drivers would. Once there was one who didn’t.

I remember the television and newspaper account about an elderly woman waiting at one of the stops during the pm rush hour. When the bus made the oblique turn way too fast at 25 miles per hour she was either too close to the edge or standing in the street when she was hit by the side view mirror across the face and the left side of her head.

She went down under the wheels and her body got hung up under the chassis. The bus driver too full of passengers to stop, or late for his break, or just too coked up to notice, kept on heading for the Embarcadero before he realized something was wrong. By then, the woman had been dragged over a quarter of a mile. No one knew for sure whether the concussion from the mirror or the relentless dragging was the cause of death. I guess it didn’t matter to her anymore, one way or the other. It mattered to a lot of those who witnessed the whole thing though; screaming and yelling, block after block, trying to get the bus driver to stop.

To get across the Bay to San Francisco from Oakland or back, one alternative to the nightmare bus commute was the B.A.R.T (Bay Area Rapid Transit). It was quiet, clean, air-conditioned, and fast. Traveling under the Bay, it could span the 13 miles in minutes. Once I’d reach the train station, by bus, from the Oakland side, I’d descend one of the many street-level entries to the below-ground turnstiles which led to the train platform. Of course, there were always hundreds of derelicts, homeless, hustlers, etc., hanging out by the turnstiles waiting for their chance to slip through and get on any one of the many trains that serviced the Bay Area, but sometimes, especially after a scuffle with B.A.R.T. Security or the San Francisco/Oakland Police, they’d scatter to the winds (or the shadows as it were) until everything calmed down and then they'd be back at it again, day and night.

Almost every week I'd hear about someone falling, or being pushed, or jumping down onto the third rail, which would either short-circuit the line and knock out the power or if it was particularly grisly, halt service entirely. Because service resumption could take hours, waiting passengers would have to go back up and out onto the street and catch another train, take a cab or a bus or just walk or, as was often the case for me, run.

Once, I remember running to the next stop when I was ascending to the upper peninsula because the previous connection didn’t show up which meant it would have added another 45 minutes to my commute. The choice was obvious and inevitable: I could either
“wait to be late” or go for it. I chose the latter.

You just can't imagine what it’s like to run at a 20-degree angle uphill for about 2 miles while wearing dress slacks, dress shoes, a white shirt and tie, and a sports jacket, in San Francisco, during the summer, with the humidity until you’ve tried it. It’s, how should I say: exhilaratingly infuriating.

Running, I came upon a stand-alone, transmission shop, right in the middle of a residential area. The owners must have paid a pretty penny to get away with that one. There were police cars, the fire department, a metro ambulance, the San Francisco Chronicle, and a marked County Coroner’s Office vehicle scattered around the shop.
Some people along with some of the employees: their first names embroidered on their shirts, were standing on the sidewalk just outside the property watching. They’d been there for about an hour when I stopped to ask one of them (Bob) what happened.

Wearily he said:

“The girl who worked in the office answering the phone and typing up orders was shot to death by her boyfriend. The boyfriend got away but she was still down there being processed. God, she was only 24 years old. They’ll catch him, though. He hasn’t got a chance.”

'Nope,' I thought.
'In this town, I don’t expect he would.'

I was late again when I got home. Vaulting the 5 floors to reach our loft, I held my friend close, the entire night. She was ok with that. So was I.=
submitted by KillerOrangeCat to killerorangecat [link] [comments]


2023.06.08 02:46 TheGioSerg Caution: SimpliSafe Smoke/CO Detectors are NOT Reliable

Dear SimpliSafe Community,
I'm Sergio Vergara, a certified Fire Code Inspector and Fire & Life Safety Educator, as well as a devoted SimpliSafe user since 2019. I appreciate the convenience and functionality of the SimpliSafe system for simple security needs. However, an important concern warrants our attention: the SimpliSafe smoke detectors and combination Smoke/CO Detectors.
I cannot overstate this enough: SimpliSafe's system is not designed nor approved as a standalone Fire Warning System. Contractors and homeowners, therefore, should not opt for these detectors in lieu of traditional smoke alarms. Let me clarify why.
The terms 'smoke alarm' and 'smoke detector' are often used interchangeably, but they denote two different products. A fire alarm system consists of three main components: an initiation appliance (detects hazards), a notification appliance (alerts occupants of a hazard), and a control device (coordinates the system, like the brains of the operation). All of these work cohesively via the Fire Alarm Control Panel (FACP), which monitors the devices' functionality and presence.
Contrarily, a smoke alarm is a standalone device combining all three functions: it detects smoke, sounds an alarm upon detection, and has an internal control unit.
The SimpliSafe detectors are indeed detectors intended to operate within a broader system. They can be considered as components of a Household Fire Warning System Unit. Is this necessarily bad? No, but there's a significant distinction we need to understand.
The 2021 International Residential Code mandates the installation of smoke alarms in specific places within homes. An exception allows for the installation of a Fire Alarm system instead of traditional smoke alarms, particularly beneficial for large homes or those who prefer professional monitoring of their Fire Safety Devices (as traditional smoke alarms are not permitted to be monitored). However, Fire Alarm Systems must meet specific requirements for safety and reliability - that's where the SimpliSafe issue surfaces.
For instance, the 2021 International Residential Code (IRC) requires Fire Alarm Systems to be permanently installed in buildings to prevent removal. However, SimpliSafe markets its system as moveable, even offering moving services.
More critically, the system's reliability is questionable. While the Smoke Detector and Combination Smoke/CO detector have necessary certifications (UL 268 - Smoke Detector, UL 2075 - Gas & Vapor Detectors), the Base Station, serving as the Fire Alarm Control Panel, lacks the UL 985 - Household Fire Warning Systems certification.
This certification, independently tested, guarantees the device meets industry standards. Without it, we cannot be assured the system will perform reliably when most needed. Furthermore, Fire Code Officials would not permit SimpliSafe to be installed in new construction or renovations as a stand-alone Fire Warning System.
Given these considerations, I advise against replacing traditional alarms with SimpliSafe's detectors. Even though SimpliSafe representatives have suggested that their detectors are meant to supplement existing fire warning systems, this statement does not currently feature on their product pages, leading to potential misunderstanding and risk.
My intent is not to disparage SimpliSafe but to shed light on a crucial safety concern that, if rectified, can only enhance SimpliSafe's standing as a reliable home security solution. I urge SimpliSafe to consider these matters seriously and encourage my fellow users to retain their traditional smoke alarms in conjunction with their SimpliSafe systems.
Best,
Sergio Vergara
submitted by TheGioSerg to simplisafe [link] [comments]