(I am not sure this is the appropriate flair, so tell me if I choose the wrong one)
I have seen this multiple times how the stream does not reflect the physical for different groups, especially now with SVT and SKZ's recent record-breaking. it always confused me. why are we assuming that the people who buy the physical albums are the same who stream the same albums online? why would I spend money on buying the physical version and spend more money on listening to it online?! it is like buying a book, out on it on a shelf and then borrowing it from the library to read it. for example: let's say a song sold a million physical versions and got a million people listening to it online. these are 2 million different people, not the same million persons. I know that there would be an overlap of people doing both, people who are obsessed with their favourite group making new records with the streaming culture of fandoms, and people buying multiple versions for whatever reasons. but these are a small percentage of the whole people who buy and stream. I never in my life bought a physical album (I am a book person I prefer reading over music) and with online streaming, I probably never will. K-Pop albums are tempting me to buy them but I have my reasons for not buying them. but if I buy an album I am definitely not going to stream it online. I have a brother who to this day buys physical albums, and rip them into his computer and phone. he is not a fan of music streaming services, he probably uses them to listen to movies soundtracks and OSTs.
what I am trying to say is, it is weird to expect to have the same numbers for physical versions and digital streams, they are different. and big fractions of those who bought their physical albums are using them to listen to music.
​
P.S. Let's remain civil and not start fanwars over this. and if you have anything to prove me wrong and that they are indeed the same, please provide data and sources for that.

Hey everyone, just a little context before I jump into the question. I am a career product manager. I work with education products and have experience building new products in startups ($0-$20mil) and for big tech ($400mil+). In my previous role, I was a Senior Product Manager, and I oversaw ~1300 SKUs (print and digital) with 55,000 active subscribers and ~$55mil of direct revenue. I also managed a team of 7 direct reports.
A little over a year ago, I was recruited to a small “family owned business.” They are reputable and a household name. When I was approached by the recruiter, they built a new role for me focusing on new product development at the Director level. I negotiated my salary to be exactly what I asked for and made the transition. I was told that I could expect annual raises and a 10% Bonus that was 5% Company Performance and 5% Employee Performance (I have this all in writing from the recruiter - along with the terms of my salary and benefits). I could write my own portfolio, I would have no direct reports, and I essentially just managed myself and my schedule.
I had a great year! In one year, I went from 0->3 products in my portfolio and from $0->$18mil in revenue.
My supervisor had nothing but praise and I scored well on my performance review (all Meets/Exceeds). When raises were announced, I asked my supervisor what I could expect and was told that a % is approved by the board and that applies to all employees. I waited and eventually got a letter from HR. The letter stated “because you are at the max salary for your hiring range, you will not receive an annual salary increase and will instead be paid a lump sum of the % two weeks from today. Just a reminder that this lump sum will be taxed as a bonus.” Nowhere in the interview process or subsequent year of working was this ever discussed. My supervisor seemed just as surprised as I was. I was directly told that the only way for me ever to get a raise is to get a promotion. Unfortunately, the Sr Director or VP titles require direct reports, and their is no pathway for me to add direct reports.
Now, at the same time, I started asking about bonuses. Turns out they do not do “Employee Performance Bonuses” it is all a % based bonus approved by the Board. I had assumed that since my bonus was 5% employee performance and I did a great job, I would get some bonus, now that is in question.
Should I stay or should I go? I immediately told my wife that I will not be here in one year, I already know that I cannot get a raise and their is no possibility of a promotion. This feels like a dead end. I was hired to build a portfolio but I do not have any possibility of career growth. Am I missing something? Am I jumping to conclusions? This feels super shady that none of this was explained or in the handbook or is directly opposite of what the recruiter told me - are there legal consequences if I choose to leave?
Edit: just some spelling mistakes ;-)

A few days ago, my boss died in a freak accident-- he was pretty young and had wife and kids, etc. To be honest he was not my favorite person and we weren't super close, so I'm not really grieving but it's still very jarring.
He was a dealer of a luxury type good (think wine, art, lux cars, rugs, jewelry, etc)-- it's a rarified industry and the money is made from commission on deals. He made a LOT of money, always netting 6-figs a year and sometimes close to a million. I am paid a (relatively) low hourly wage and do not make commission. I also do not have any benefits. I am the only employee-- his title was "President", mine is "Director".
Now I'm working closely with his widow to tie up loose ends and close outstanding deals. It's become clear I'm going to be the point person in handling this logistical nightmare of sorting out his affairs (he kept terrible records and his wife was not involved in the business). I'm unsure if she intends to continue operating the business or if she wants to liquidate as much as possible and shutter it-- at the very least, there's going to be 3-6 months of work to do.
Maybe this makes me a terrible person, but I think I want to ask for more money. I already kind of felt I was undercompensated and was annoyed I didn't make commission-- now I'm going to be working way harder and personally closing a lot of deals on behalf of/with his widow. More cynically, I recognize that this situation gives me leverage-- she really needs me to help her and it would be difficult for her to move forward without me.
I don't think I feel too bad about this. They are/were very very wealthy. Like multiple homes, kids in prep-schools, country club, trips to Europe multiple times a year, "I've worn Gucci loafers ever since I was a child" type rich. The widow works in an even more lucrative industry. I am decidedly NOT rich like that, and an amount of money that would be relatively small to them would be almost life-changing to me. There's a deal on the table that might have made my boss over a million dollars and even before he died, I knew I was going to be mad if it went through and I didn't get even a tiny sliver of it.
My question: How can I ask the widow for more money in a considerate and respectful way? How long should I wait (he died a couple days ago)? How can I justify it? And majorly, should I ask for a raise in wages or should I ask for a percentage of deals (wages would probably be easier to justify but % might make me more money).
Open to any thoughts!

My sister loves snakes and wants to make a mega. I gave her a neon ride one and she has 2 more but she wants ‘200 million’. I’m hatching lots of south east Asia eggs for her but I’m running out of money 😂 anyone have any extras?

Hey NPs! I am a nanny asking for advice on behalf of my friend who is currently a nanny employer.
MB will be on maternity leave for 4 months and taking care of baby #2 with DB. Their first child (who the nanny currently watches) will have just started daycare.
MB wants to retain her nanny and have her return full time when maternity leave is up.
They are offering that the nanny to find short term work during this period and are planning to cover the difference if her short term position does not pay as well.
They are wondering if they should also pay her a lump sum retainer at the start of the maternity leave. Do you think this is necessary/advisable? If yes how much would you pay?
Thanks!

SUMMARY

When analysing the new federal budget, there seems to be a nearly universal agreement on the politics that shaped the spending plan. Namely, this budget is big on spending, big on corporate tax reform. Having previously relied on the New Democratic Party to maintain an absolute majority, the Trudeau Government has opted for appeasing their parljlnenatry partners, aiming to buy more time for the this government before the next general election has to be called.
Politically, the Budget can be divided into there main lines. Namely, the Liberals trying to follow through with their promises from the last Federal Election, such as introducing the Canada Disability Benefit, a brand-new advanced research agency, as well as over-delivering on expanded supports for lower-income workers. Economically, introducing a tax-free CDB combined with noticeably more generous and broadly available Canada Workers Benefit also aims to boost Canada's labour force participation, to partially offset traditionally low per capital productivity of Canadian workers.
Then, the issue of the supply and confidence agreement with New Democrats comes into play, finally implementing a national dental care plan being finally brought into the budget, followed by a national prescription drug insurance scheme.
As on the greatest surprises comes in the form of what the Government framed as a "business assistance review" and corporate reform, that is set to be a structural response to US's Inflation Reduction Act, namely by brining programmes as IRAP to a one-stop shop, under an arm-length agency outside of the federal industrial strategy ministry. The Government is also following Europe's lead on development Canadian equity markets, that while incremental, may be a first step to less debt-dependent corporate Canada, while nurturing Canadian innovation, since tech companies tend to be much more reliant on equity financing, rather than traditional bank lending.
Politically, the Liberals continue to emphasise fiscal prudence of the budget, citing stable debt-to-GDP ratios, as well as the fact the budget actually contains a structural surplus, when excusing debt service payments from federal expenditure. Ottawa is also trying to hedge against future attacks when it comes to public subsidies, through introducing an independent oversight body, as well as providing full operational autonomy to a new umbrella organisation, to operate business investment programmes and other agencies.
Notably, however, the Liberals seem to be willing to further undermine their reputation as credible fiscal managers, rather the cause a new election by breaking their agreement with NDP, as the LPC continues to struggle in federal polling.

Strengthening Canada's Safety Net

Canada Workers Benefit (CWB) is set to be radically boosted, aiming to boost labour force participation while easing inflationary pressures for the most vulnerable workers. The budget drastically expands both the generosity and eligibility for the CWB by lowering the income threshold from $3000 of annual earnings to just $1, including income from self-employment. The Government of Canada also expands eligibility for the benefit, by more closely aligning it with Québec's Solidarity Tax Credit, making full- and part-time students eligible to claim CWB. The benefit is also enhanced through expansion of both the maximum amount payable and the introduction of a benefit floor - $3000 per annum for the floor and up to $4000 for maximum benefit - per family.
Additionally, the Canada Revenue Agency - as well as Revenu Québec, following a short negotiation with the province - are now required to administer both the CWB and the STC in real time, delivering automatic bi-weekly payments to all eligible individuals, so long they've filled their tax return for the previous year. Ottawa is also set to strengthen the programme by introducing the so-called "benefit shield provision" that protects benefit recipients from prohibiting benefit clawbacks in their income increases unexpectedly. Thus, annual CWB entitlement is set to be calculated on the basis on average reported earnings in the last 5 years, paid every 2 weeks. Sudden increases in incomes shall also be excused from the current year's calculation of benefit amounts, applied evenly over the next 5-year calculation period.

Same policy is set to be applied to all other federal benefits and credits, including the Canada Child Benefit - an income-based subsidy for parents - as well as the GST/HST Tax Credit, and the Climate Action Incentive Payment - a rebate paid to households to compensate for the cost of federal price on carbon where one applies.

As an interim measure, Ottawa is also set to introduced the "marginal earnings shield" policy that allows the Canada Revenue Agency to issue bi-weekly CWB payments to individuals facing prohibitively high marginal rates of personal taxation, whenever the effective rate exceeds 45 per cent. This includes benefit clawbacks from provincial programmes, as well as increased payroll deductions, such as Employment Insurance Premiums, Canada/Québec Pension Plan Contributions, as well as income tax, union dues, or any other payroll deduction from the CRA or Revenu Quebec. Notably, the earnings shield only applied to income bellow the median AFNI for the given province or territory.
Canada Disability Benefit (CDB) is to beintroduced to supplement provincial social assistance measures for people with special needs. CDB aims to top-up existing provincial disability support programmes, providing simultaneous supplementation of payment to eligible individuals. The benefit is set to be fully aligned with provincial requirements, but also provide equivalent support to those receiving provincial Workers' Compensation Payments, and CPP/QPP Disability benefits, to bring disable Canadians closer to the national poverty thresholds, with CDB maximum capped at $1000 monthly - that is however subject to inflation indexing.

Expanding Canada's Healthcare

Canadian Dental Care Plan (CDCP) previously announced in the last year's budget is finally being rolled out across the country, following almost a year of bilateral talks with the provinces and territories. The Plan remains open to anyone with a communed household income of bellow $120.000 as well as those without an insurance plan that provides free-at-use dental coverage. In case their income exceeds the eligibility threshold, they'd have to pay an increased premium collected by the CRA as a payroll deduction. Anyone is also free to obtain private dental care insurance, so long they don't have a public one, so long it provides continuous coverage, a fully covers all services provided within a medical facility.
However, even those with private insurance will still have to face the limitations of the Canada Health Act, namely being barred from any preferential treatment for services covered under the CDCP. To further maintain its universality, the Canada Health Act is amended to require every Canadian resident to maintain a valid dental care insurance coverage at all times, with on obligation on both Ottawa and the Provinces to provide access to that coverage to everyone. Private insurance is still allowed, so long it remains equivalent to the public plan, unless covering supplementary services. The respective assessment of a private plan's equivalence and universal coverage is carried out by Heath Canada, through referring the data that every employer is oblige dot provide, linked to each individual's Social Insurance Number.
Notably, the CDCP is administered - as promised - by a neutral agency, comprised of representatives from Health Canada and provincial, as well as territorial heads of ministries of health -- the Canadian Dental Benefit Administrators (CDBA). CDBA is in turn operates under a two-track system, where the CDCP Council within the CDBA, comprised of provincial representation, and Health Canada, sets up broader general standards of care, coverage, and premiums, while CDBA provincial offices administer the plan within the framework of general provincial health plans. Principal batches of CDBA are free to diverge from national guidelines on coverage and pricing, so long it doesn't change increase expenditure, and preserves free-at-use coverage without significant reduction in quality of care measured in waiting times or increased pressure on the staff, lower efficacy rates.
Funding through the plan altho provided through general taxation, is calculated as a flat income-based insurance premiums, deducted from CDCP's recipient paycheque as part of their Income Tax, with additional levies for those making above the eligibility threshold and choosing to enrol into the Plan. While co-pays are absent for lower income earners completely, everyone enrolled into the Plan is protected an annual limit for out-of-pocket dental care expenditures, capping spending as a share of one's income, that is also revised annually, in line with instigated payroll premiums.
Canadian Pharmaceutical Insurance Plan (CPIP) finally brings a long-awaited universal Pharmacare to Canada, especially territories and provinces other than Quebec. While previously Canada's public health insurance plans would only cover in-hospital medical services, leaving prescription drugs largely to the private market, CPIP is set to change that. The Plan provides compressive coverage for multiple prescription drugs defined in a "national formulary" administrated by the Canada Drug Agency at no cost to every member of the plan, that is tasked with evaluating and authorising the use of new pharmaceuticals to be sold in Canada.
However, CPIP's administration, namely negotiating prices for prescription drugs, is delegated to the Pan-Canadian Pharmaceutical Alliance (pCPA). Originally created as a strictly provincial initiative to join forcing in procuring pharmaceuticals for public drug plans, pCPA is set to be drastically expanded to negotiate prices for prescriptions on behalf of Canada as a whole. Thus, no drug that is deemed by the CDA or Health Canada to require a prescription can be sold, until a procurement deal has been reached with the pCPA.
When conducting negotiations, pCPA largely relies on already existing framework, with the Canada Drug Agency carrying out impact assessment and drug reviews -- a function previously reserved exclusively to Health Canada. pCPA retains it current institutional design, transitioning to completely independent organisation, only contained by appointments from federal, provincial, and territorial governments, with the final procurement deal requiring consent of Health Canada, CDA, federal and provincial ministries of health.

Trying to resist further increases in drug expenditure, pCPA is authorised to conduct joint funding with the Canada Drug Agency for new drugs, especially biologics and generic medications. Most significantly, however, is the "cost-benefit analysis" framework approach when negotiating drug prices or operating joint investment ventures. The assent is mainly focused on estimating long-term savings to the overall healthcare system, as well as possible impact of patients' ability to re-join the labour force. Thus, procurement expenditures are effetely weighted over long-term savings in the healthcare sector as well as future increase in premiums.

For its end the Government of Canada is set absorb absorb initial cost of running both Pharamacare and the national dental care, while avoiding reductions to federal healthcare transfers, with further increases managed through the Canada Health Transfer and bilateral negotiations with the privies. To avoid further deterioration of Canada's long-term fiscal position Ottawa is offsetting increased spending through phasing out all employer tax credits for health expenditures, as well as tightening eligibility for individual medical tax credits, while closing the readings gap through the CDCP and CPIP payroll premiums.

Canada's Quiet Corporate Reform

Canadian Equity & Debt Recovery Allowance (CEDRA) is set to largely emulate European proposals for the Debt-Equity Bias Reduction Allowance (DEBRA)733678) to align tax treatment for equity and debit across the tax system. CEDRA provides for a limited deduction of costs associated with issuing new corporate equity, namely stocks and bonds on Canadian stock exchanges.

The allowance is calculated using the year-on-year difference between total corporate equity multiplied by risk-free return on equity, equal to the rate for 10-year Government of Canada bonds. Notably, the deception is fully refundable, up to a maximum for any given year and can be carried forward indefinitely.

Just like its European equivalent, CEDRA provides for higher risk-free rate of return for smaller companies, as opposed to larger players. Higher rate is set to be the sum of the basic rate or return and the spread between interest rates for smaller and large businesses, calculated every year - CEDRA SMEs. However, unlike DEBRA, the Canadian allowance also provides for even more generous allowance for newer companies, regardless of their size, that is directly proportion to the rate spread between for companies operating for as long as or less 5 years, as opposed to existing incumbents, put on top of the 10-year federal government bonds rate - CEDRA Trailblazers.
b Notably, companies that qualify for both small and new entry rate deductions are allowed to combined both when calculating their entitlement for any given year.
The Government of Canada also brings a "green spin" the to the deduction, with a designated rate calculation for green businesses - CEDRA Net Zero. Thus, the gap in interest rates for low- and zero-emission borrowed and fossil fuel companies is set be compounded with the federal 10-year bonds, and then multiplied by the new year-on-year equity increase. Companies are also allowed to combine the "green rate" deduction with the new entry and small company rates so long the applicant is eligible for each of those individually. Companies operating in mining and processing of critical minerals, battery production, as well production of clean energy equipment and more energy-intensive solutions, including software.
CEDRA provides for special treatment of losses, including those cause by sudden dips in stock prices as a result of monetary tightening or short-selling. While falling short of full refundability, the Government of Canada allows to use deductible equity losses to offset both income and payroll taxes, as well as GST/HST payable for any given year, including carry-back provisions of up to 1 year.
As an additional measure, Canada is limiting debt interest deductibility for all companies operating in the country. Just like DEBRA, the Canadian allowance caps deductibility of net-interest debt payments - interest spent minus interest received - at the level of 85 per cent, with a maximum of $4 million. In line with European proposals, interest deductibility is additionally limited at 30 per cent of the borrower's earnings before interest, taxes, depreciation and amortisation. Companies would only be able to deduct the lowest amount in a tax year, but would be able to carry the difference forward or back, without indexing to inflation.
As an additional measure, the Budget also reforms the deferral dividend tax credit, including the one for Canadian-Controlled Private Corporations. Now, DTC is available to claim for any dividend payments received from a company incorporated in Canada, that has been operational for 5 years or less - DTC Trailblazers - or is actively contributing to the the green economy - DTC Net Zero, including mining and processing of critical minerals, battery production, as well as manufacturing of zero-emission vehicles, suitable materials and clean energy machinery & equipment.
Capital Cost Allowance Green Deduction - allows for full expensing of both machinery & equipment as well business property, for M&E for companies in "green industries", as well as investing in greater energy efficiency of existing industrial structures and equipment, including the cost of full replacement for everyone else. The increased rate also applies to non-mining - with accelerated appreciation maintained for critical minerals - companies of up to 5 years of age.

Canada's New Net Zero Industrial Policy

Investment & Innovation Canada aims to bering several federal crown corporations and business assistance programmes under one roof, operating as a one-stop shop for Canadian businesses. Notably, all entities brought under IIC have their mandrel explicitly promoting competition, namely considering either new market participants or SMEs first, for their investment considerations. Additionally, all participating agencies are set to aim at fulfilling Canada's Net Zero commitment, thrust greater coordination and a more cohesive instrument mix. The agency also aims to provide end-to-end support for Canadian companies across the board, including both setting up, and the scaling up new and existing players, aiming to promote competitive export-oriented companies in critical industries.
Additionally, Investment & Innovation Canada introduces significant restructuring business assistance and subsidy institutions themselves. This mainly involves putting maximum emphasis on the "place economy" aiming to decentralise every member institution to the greater possible extent, tailoring their operations to the needs of a local markets. To avoid further confusion, IIC focuses on setting up highly autonomous local branches, to be combined in one-stop-shop for local businesses, by merging the their branches with Canada's Regional Development Agencies, and providing them with full operational autonomy, including agencies that were previously managed directly by the Government of Canada.
IIC is set to coordinate and facilitate operations between following crown corporations:
Business Development Canada (BDC) - a crown corporation tasked with providing capital for Canadian small & medium sized companies, including lending directly to investors to allocate capital to promising companies. Notably, BDC has the scope of their mandate extended, being allowed to provide direct funding to promising companies, as well as new entrants in highly concentrated markets, such as telecommunications, transportation, and banking. Just like EDC, Business Development Canada prioritises support to export-oriented companies.
Export Development Canada (EDC) provides a wide range of export support services and financing, such as risk insurance and direct business guidance, as well access to adorable capital to conduct export operations outside of Canada. Notably, however, under its renewed mandate, EDC is set to also encourage intraprovinical exports to an extent comparable with the support provided to those seeking to enter foreign markets. Equally, EDC has their competences extended to also facilitate overall trade-intensity of Canadian industries, including through increased exposure to imports, both between the provinces and foreign markets. While previously focusing exclusively on promoting overseas sales, the bank of set to roll out equal access to its services to those willing to export into Canada, especially when it comes to components, unfinished products, and intangibles.
Canadian Infrastructure Development Corporation (CIDC) is set to bring together the Canada Infrastructure Bank, the housing accelerator and developments funds, and other related projects, facilitating the supply of funding to national and local infrastructure projects, including affordable housing and public transit, signifying the first time housing is being considered part of Canada's infrastructure. CIDC also brings the Canada Housing & Mortgage Corporation to the table, as an independent body within the CIDC, largely focused on monitoring the market and providing independent impact assessment. Notably, CIDC is set to be allowed to fund projects that are yet to obtain private commitment, giving a first move advantage, so long the project has received an approved for respective regulatory authorities and indigenous groups affected, or if a project aims at reducing carbon emissions.
Labour Development Canada (LDC) is focused on creating more coherent space for federal labour market policy and workforce development, being tasked with development and screening of both businesses and applications in need additional training, as well as matching businesses struggling to recruit with those seeking a job. LDC is also responsible for administrating the Canadian Job Bank, as well as developing the curriculum and training standards for designated sectors. Notably, the Bank also being grated an explicit rights to enter into commercial agreements with provinces, municipalities, and legal entities providing funding for the private sector to re- and up-skill the local workforce, as well as integrate as many people as possible into the labour market.
As its unique feature, each LDC branch is legally required to maintain employee and business representation, with the need for unanimous consent when developing and implementing new measures. Notably, this includes local unions, business associations, and advocacy organisations in the region.
Initial funding the bank is set to be maintained under the Labour Market Development Agreements as well Workforce Development Agreements between Ottawa and the provinces, however the LDC is expected run a "structural surplus" for its existing programmes through employee and employer payroll deductions negotiated under each programme respectively. Therefore only using discretionary federal and provincial spending when operating federal or provincial programmes and launching new initiatives.
Labour Development Canada is also allowed to compete directly with employment agencies and directly administer federal programmes such as the Canada Summer Jobs, while pursuing it mandate: to maximise labour force participation and increase Canada's labour productivity, while increasing access to suitable permanent jobs above the federal poverty line.
Advanced Research & Innovation Canada (ARIC) provides all-in-support for research and development projects aiming at achieving a Net Zero Economy. ARIC brings together the Canadian Foundation for Innovation, and the National Research Council, and the Canada Research Chambers and Canada Growth Fund itself to provide end-to-end support for new green technology. While the Canada Foundation for Innovation provides funding for university research, the Canada Research Chairs brings the human expertise to ARIC, with the National Research Council supporting industrial and company-based business R&D. The Canada Growth Fund, on the other hand aims to provide funding for scale-ups in the green space and innovative sectors, mainly through comprehensive risk sharing and direct lending to existing projects. Unlike other agencies, CGF also has an explicit mandate to support funding for Net Zero and facilitate the acquisition of intellectual property by Canadian enterprises as well as support the creation of new IP by Canadians and in Canada. However, CGF is also being allowed to directly fund industrial research and development to expand accessibility of existing green technology, even where private sector funding has not yet been committed.
Aerospace Development Canada (ADC) delivers direct funding, for R&D and skills in the aerospace sector, as well as providing assistance with training, talent attraction, retention, and initial funding for the aerospace industry. ADC is allowed to also directly fund university research and eduction for those working in the aerospace industry.
Automation & Robotics Canada (ARC) focuses on supporting wider use of automaton and robotics across the Canadian economy. ARC specifically allows companies to obtain a rebate for their M&E expenses, as well as receive a loan or a grant to modernise existing equipment, or replace, expand existing industrial assets. SMEs can recuperate up to 110 per cent of their M&E expenses with ARC, and over 125 per cent when it comes to automating their processes and installing newer software. Notably, ARC is set to operate in parallel with the Canada Digital Adoption Program.
Agri-Foods Canada (AFC) administers programs when it comes to agricultural and foods production, focusing on providing funding for agricultural research, and development of new products, chemicals, processing methods, and crops that utilise that are more environmentally suitable.
While major business assistance programmes remain within the realm of the federal ISED, IIC is allowed to administer those directly and change their structure, so long associate costs are borne by the IIC institutions themselves. Programmes immediately transferred under the responsibility of IIC include the Canada Digital Adoption Program (CDAP), the Industrial Research Assistance Program (IRAP). Notably, however, IIC uses several other finical instruments to carry out its mandate:

• Income-Contingent Grants - grants funded directly by the CIB, with a subsequent return of funds. Unlike standard loans, ISGs are paid by the borrower as a share of their future income, until the debt is fully repaid - or written off by mutual agreement of both parties.
• Investment Supplementary Funding - provides financing provided by an IIC institution in proportion to investments from the private sector. Thus, for every $2 of private investment in a particular project or company, ISF guarantees at least $1 of investment from the CIB, subject to an appropriate agreement with the recipient company.
• Comprehensive Liabilities Guarantee - allow IIC to insure the assets of external investors - and the company itself - in a specific project or company in exchange for risk premiums from potential recipients. So, if the project will lead to losses for investors, IIC will return the funds spent.
• Outcome-Oriented Financing is the broadest possible definition of bank financial guarantees, which are fulfilled when certain conditions are met by the recipient. OOF may involve the direct financing, creation, write-off or investment, deferment, freezing - and so on - of the financial obligations of the borrower, in exchange for the achievement of certain indicators. First of all, we are talking about achieving predetermined growth rates of productivity - both labor and multifactorial - or such indicators as reducing the levels of debt burden, higher capital and science intensity, as well as interaction with external markets.
• Bridging Finance - bridge financing provided either in crisis situations or at an early stage of the project, when existing agreements with investors already exist, it is not possible to access short-term financing or funds necessary for the implementation of the initial stage of the project.
• Pooled Securitisation - financing of joint projects carried out by several small companies at once, with the accompanying distribution of risks. PS also covers the placement of assets on public markets.

Following the re-structuring the Government of Canada also expands funding for the Competition Bureau, and the Competition & Markets Commission of Canada. Namely, both are receiving additional functions, of overseeing the federal business assistance regime through the Canadian Business Assistance Office (CBAO) -- an independent standalone parliamentary institution. CBAO is tasked with evaluating the performance of business assistance programmes and institutions, including IIC and its member bodies, as well as any business investment made by the Government of Canada, though annual programme reviews and recommendations. Notably, the Office can order the Competition Bureau and the CMCC to investigate specific cases, as well as conduct joined programme reviews.

As on overriding set of criteria, the Office is set to evaluate how existing government programmes measure against increasing competition in a marketplace - being required to prioritise companies of 5 years of younger, as well as SMES - and foster finically independent enterprise - defined a profitability over the 5 year period excusing government assistance -, as well as help to achieve the Net Zero goal.

The Office is set to also maidan regional representation, aimed at scrutinising Regional Development Agencies, each branched aimed at a respective RDA, with a representative from CBAO and a respective provincial or territorial legislative assembly.
To further strengthen the accountability regime, the Budget amends respective acts relating to the Business Development Canada, Export Development Canada, National Research Council, Regional Development Agencies, and the Canada Infrastructure Development Canada's constituent units, as well as an additional overarching mandate for the Investment & Innovation Canada.
Thus, all the parties affected now have to comply with a "dual" mandate oversseen by the CBAO. Apart from fulfilling their original duty, such as infrastructure development, export promotion, or investment in green tech, all the agencies ought to remain finically profitable indecent of public support, defined all persistent surplus over the 5-year horizon.
In turn, the agencies are allowed to earn income through repayable grants, equity stakes, as well as acquisition of assets, such as intellectual property, and issuance of Canada Development & Innovation Bonds. CDIBs are set to be equated to the Government of Canada bills, with Ottawa directly guaranteeing the ability of an issuer to service their debts. Notably, each issuance has to be authorised by the IIC, before a respective institution can act on its own.

Additional Readings

https://taxpolicy.crawford.anu.edu.au/sites/default/files/publication/taxstudies_crawford_anu_edu_au/2022-03/complete_ace_wp_2022.pdf
https://mowatcentre.munkschool.utoronto.ca/wp-content/uploads/publications/88_corporate_tax_reform.pdf
https://taxfoundation.org/benefits-of-full-immediate-expensing/
https://irpp.org/research-studies/cracking-canadas-productivity-conundrum/
https://irpp.org/wp-content/uploads/2018/10/Facing-the-Facts-Reconsidering-Business-Innovation-Policy-in-Canada.pdf
https://politics.utoronto.ca/publication/innovation-in-real-places-strategies-for-prosperity-in-an-unforgiving-world/
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6246044/
https://www.linkedin.com/pulse/case-national-investment-authority-henry-kopesky
https://maytree.com/wp-content/uploads/canada-working-age-supplement-report.pdf
https://capx.co/subsidies-are-no-way-to-support-business-but-there-is-a-better-alternative/
https://www.politico.com/news/2023/03/29/canada-u-s-clean-energy-ira-00089284
https://civitas.org.uk/pdf/SavingsBanks2010.pdf
https://maytree.com/wp-content/uploads/canada-working-age-supplement-report.pdf
https://www.economist.com/finance-and-economics/2022/01/22/why-the-bias-for-debt-over-equity-is-hard-to-dislodge

Will I receive my gift cards?

Yes, if you are in line for a gift card by Thursday, June 1st, 11:59 PM PST.

The line hasn’t moved, when will I get my gift card?

You are guaranteed to receive your gift cards in a few different scenarios. - Best Case (Jun 2023 to Dec 2023) We secure investors for our company and cover all gift cards with a lump sum payment. - Okay Case (Mar 2024 to Jun 2024): Our upcoming game, Ever Flame, provides profit for us to pay our team and slowly disburse gift card payments. - Worst Case (Jul 2024 to Complete): I continue to self-pay from my own savings until all rewards are covered.

Can I switch the gift card that I am in line for?

No, we are unable to switch your gift card.

Is there a difference between the gift card lines?

No, there is one single line. The gift cards are purchased at the moment of redemption.

Will there be a way to check my spot in line for the gift card?

No. However, once the line starts moving, we will make an announcement and may potentially have a solution down the road if the pace is slow.

What will happen to my Aura, Runes, Steps, Level, Achievements, and Guild?

All your stats will be stored in an account that will be used to unlock unique content for our upcoming game Ever Flame and more.

Are there any options for trading gift cards for content in Ever Flame?

At this moment, we are considering different ideas from covering subscription costs to Spirit Guides, but will need more time for implementing these changes.

Do I need to do anything to my subscription or will it automatically stop?

We recommend canceling any subscriptions yourself to prevent any unintended costs to you.

Will we be doing anything to celebrate the legacy of Origins?

Yes, we will have a party and celebration video made from all our user submissions. We will have formal details on submission and party in the coming weeks.

Hi Tax gurus.
This financial year I have received income for periods in multiple prior FY with $160k tax withheld.
The payments will be on my group certificate as Lump Sum E, which I understand the ATO apply a tax credit to bring the income tax rate to the level for the taxable income in the corresponding FY that the payment relates to.
I have unused carry forward concessional contributions that, together with this FY will allow me to make a concessional contribution to my super of $98k, and was planning to do so this month to pay 15% tax on the $98k instead of the marginal rate.
It would appear that the Div 293 rule is not affected by the Lump Sum E status of the payments, and pushes my income over $250k, which will result in an additional 15% tax to all concessional contributions in this FY.
After hearing this, I am wondering if it will make more sense to do it next FY, although with the stage 3 cuts and my income back down to $90k, perhaps this will not work out for me.
So I am wondering will it still make sense to just make the contribution this FY and just eat the Div 293 tax, or is there some other thing I can do to reduce my tax payable?
Thanks in advance for your help.

This is the best tl;dr I could make, original reduced by 66%. (I'm a bot)

Florida Gov. Ron DeSantis may have violated federal campaign finance law when his old state-level PAC reportedly transferred tens of millions of dollars to the pro-DeSantis super PAC Never Back Down, the nonpartisan watchdog Campaign Legal Center alleges in a new complaint with the Federal Election Commission filed Tuesday morning.
DeSantis was privately telling donors about his plans to run for president months before his public announcement, which Campaign Legal Center alleges triggered federal campaign finance law provisions barring candidates - and affiliated entities "Directly or indirectly established, financed, maintained, or controlled by or acting on behalf of" a federal candidate or officeholder - from spending "Soft money" on federal elections.
"Soft money undermines federal campaign finance laws because it is, by definition, money raised and spent outside the scope of those laws," Saurav Ghosh, director of federal campaign finance reform at Campaign Legal Center, said in a written statement.
DeSantis cut ties with the state-level PAC, recently renamed from "Friends of Ron DeSantis" to "Empower Parents PAC," in early May. The state-level PAC is now chaired by Republican state Sen. Blaise Ingoglia, who sponsored several of DeSantis' key priorities in the Florida legislature.
While DeSantis formally launched his presidential bid in May, he privately told donors about plans to run for president as early as March, when the Washington Post reported DeSantis described his plans to run for president "Without any caveats that would suggest he's still deciding," which Campaign Legal Center alleges triggered his run for president.
"Friends of Ron DeSantis - recently renamed 'Empower Parents PAC' as part of a clear effort to distance the group from DeSantis - brazenly violated the law when it transferred this colossal sum to a federal super PAC," Campaign Legal Center's complaint claims.

Summary Source FAQ Feedback Top keywords: DeSantis^#1 PAC^#2 campaign^#3 federal^#4 state-level^#5
Post found in /politics.
NOTICE: This thread is for discussing the submission topic. Please do not discuss the concept of the autotldr bot here.

My fiancé(27F) and I (29M) have been together for 3.5 years. When we met I was in about $26000 in credit card debt and she hated it. I made some stupid decisions out of college but I had a pretty good paying job at the time and would pay it of within a year easily. Almost broke up with me when she found out (we had been dating for 6 months then).
She is weirdly allergic to debt or something, has a credit card but almost never uses it and refuses to even get an auto loan. Her car was paid in cash and she paid off her student loans already. I don’t find being in a bit of debt so bad as long as I know I can pay it off soon but she hated I was in debt and I basically had to beg her to stay and promise I would pay my debts. I did within a year and we were fine. Financially she finds me wasteful and I find her really cheap. She never eats out for even something small and will starve herself if she is shopping at the mall and wait till she gets home to eat something. She never drinks or even has a coffee because she finds that stuff expensive. She always shops second hand and pretty much compares all prices before buying anything. The crazy part is she makes $110000 as a manager at a consulting company. She also owns her own place where we both live and I pay rent to her. I’m a lot more chill around money and I still consider myself responsible but I like to enjoy life rather than strictly budget every penny.
I wanted to propose but I didn’t save for a ring. I was just out with my sister and saw one I liked and think she would like. It was $6400 and I didn’t have much savings after paying for a belt replacement and brake change for my car but I thought it was fine because I would put it on credit card and pay it off within 3 months. I bought and proposed and she accepted but got angry with me when she found out it was on credit card and I couldn’t pay for it outright. The ring had a 30 day back guarantee and she told me to return the ring and buy it once I had saved up the money. I was floored because she was so obsessed with saving she couldn’t look past MY credit card debt that I could pay off. I told her if she demanded I return the ring it was like she was rejecting my proposal and she got snapped back she should think about it because I was so bad with money. We had a fight over it and some choice words were said. Basically she made it clear she didn’t trust me with money and this thing with the ring proved that. I’m pissed because she wants me to return a ring and buy it back or another one once I saved up but who knows if the ring will still be there? I’m pretty pissed she can’t just be happy and gets mad over how I spend my money.
Edit: some people were asking and yes she has mortgage but she isn’t happy about it and pays the max lump sum allowed towards her mortgage every year.

Hey everyone, like many people I had to take out student loans in order to pay my way through college. I graduated with ~96k in the hole, my mother was very nice and was willing to assume responsibility for the parent plus portion which my school felt should go to the parents. This left me responsible for ~32k. $6k of which was private through the school and has already been paid off.
With the many iterations of stalling interest accrual, I decided to wait to pay any off and see if I could get any of the loan forgiveness money given out by the government. However, the interest is set to begin accruing on 6/1 and the money is still nowhere to be seen and likely never will be (I would’ve received $20k).
My question is: I have enough money saved up to pay off the rest of my debt in one large lump sum, but am hesitant to do so since I still may (albeit low probability) receive the $20k for forgiveness and would hate to flush that much money down the drain, but would rather accrue as little interest as possible.
Do you all advise: a) paying off all of the loans b) paying off the excess above $20k and wait and see c) other
Thanks in advance for any advice!
Edit: It has come to my attention that my June 1st deadline is a little dated and I will now likely have as long as Sept. 1st before (likely) being in the same situation I thought I was already in. Any advice is still very much appreciated!

If you've been following the reviews you probably saw that the shop, and more specifically the skin prices will seem to range from 13 to 28 dollars, and hooooly sh... is that stupidly overpriced.
I mean we're talking about a game that's being bought by millions, and will be played by the tens of thousands at any given hour. If just a small percentage of those would buy them, Bobby would be getting his 5th yacht. But we all know a lot of people are gullible enough to be content with whatever price is showed in front of them. So Bobby should look into how to build a house from unused yacht parts, but buying a whole port at the very least to park his next 10 yachts he's going to buy from D4 alone ...
I mean, in all honest how much could 1 skin cost them to make. Let's say an extreme 5.000-10.000$ with all departments making something so super unique. The first 300 to 500 spenders alone will have covered the cost of that alone ... And we haven't even talked about the BPs that over half of the player-base is more then likely going to buy ...

Imagine your family lives in a place where you can have nice holidays.
You want to see them but they don't have space for you so every time you go to see them/holidays you need to book something (hotel, Airbnb, whatever)
Have in consideration: An appartment could cost 100k Every time you go over, the holidays cost you 1k
With the apartment, you need to pay taxes, apply for a mortgage, rent it when you are not there and fix things when they break but it is yours and you can go whenever you want, knowing you have a place. Also, you pay the same amount (more or less every month)
Renting a place is stress and worries free. You go there, do your business and get out, no issues. However, every time you go you need to pay the lump sum and you never own the place nor get any money back but for 100k you can go many many times.
Would you buy an apartment so you can have a place when you want to see them or would you book a place?

Greetings.
I'm a freelance writer based in Canada, but work for US companies. I was told by my tax person to open a US account if I earn a lump sum over 20K USD to avoid being double taxed. I recently am due to earn more than 20K uSD.
I saw there was an option on easyweb to open a US dollar interest account? Is this what he was referring to or do I need to go to the bank to open a US account.
Any advice and tips are greatly appreciated to save as much money as I can. Cheers.

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Production companies : Warner Bros. Pictures.
At San Diego Comic-Con in July, Dwayne “The Rock” Johnson had other people raising eyebrows when he said that his long-awaited superhero debut in Watch ‘Filmmakers for the The Machine would be the beginning of “a new era” for the DC Extended Universe naturally followed: What did he mean? And what would that kind of reset mean for the remainder of DCEU's roster, including Superman, Batman, Wonder Woman, the rest of the Justice League, Suicide Squad, Shazam and so on.As
Watch ‘Filmmakers for the The Machine neared theaters, though, Johnson clarified that statement in a recent sit-down with Yahoo Entertainment (watch above).
“I feel like this is our opportunity now to expand the DC Universe and what we have in Watch ‘Filmmakers for the The Machine, which I think is really cool just as a fan, is we introduce five new superheroes to the world,” Johnson tells us. Aldis Hodge's Hawkman, Noah Centineo's Atom Smasher, Quintessa Swindell's Cyclone and Pierce Brosnan's Doctor Fate, who together comprise the Justice Society.) “One anti-hero.” (That would be DJ's Watch ‘Filmmakers for the The Machine.)
“And what an opportunity. The Justice Society pre-dated the Justice League. So opportunity, expand out the universe, in my mind… all these characters interact. That's why you see in Watch ‘Filmmakers for the The Machine, we acknowledge everyone: Batman , Superman , Wonder Woman, Flash, we acknowledge everybo****here's also some Easter eggs in there, too.So that's what I meant by the resetting. Maybe resetting' wasn't a good term.only
one can claim to be the most powerful superhero .And Johnson, when gently pressed, says it's his indestructible, 5,000-year-old Kahndaqi warrior also known as Teth-Adam, that is the most powerful superhero in any universe, DC, Marvel or otherwise
"By the way, it's not hyperbole because we made the movie."And we made him this powerful.
There's nothing so wrong with “Watch ‘Filmmakers for the The Machine” that it should be avoided, but nothing—besides the appealing presence of Dwayne Johnson—that makes it worth rushing out to see. spectacles that have more or less taken over studio filmmaking, but it accumulates the genre's—and the business's—bad habits into a single two- hour-plus package, and only hints at the format's occasional pleasures. “Watch ‘Filmmakers for the The Machine” feels like a place-filler for a movie that's remaining to be made, but, in its bare and shrugged-off sufficiency, it does one positive thing that, if nothing else, at least accounts for its success: for all the churning action and elaborately jerry-rigged plot, there's little to distract from the movie's pedestal-like display of Johnson, its real-life superhero.
It's no less numbing to find material meant for children retconned for adults—and, in the process, for most of the naïve delight to be leached out, and for any serious concerns to be shoehorned in and then waved away with dazzle and noise. Watch ‘Filmmakers for the The Machine” offers a moral realm that draws no lines, a personal one of simplistic stakes, a political one that suggests any interpretation, an audiovisual one that rehashes long-familiar tropes and repackages overused devices for a commercial experiment that might as well wear its import as its title. When I was in Paris in 1983, Jerry Lewis—yes, they really did love him there—had a new movie in theaters. You're Crazy, Jerry."Watch ‘Filmmakers for the The Machine " could be retitled 'You're a Superhero, Dwayne'—it's the marketing team's PowerPoint presentation extended to feature length.
In addition to being Johnson's DC Universe debut, “Watch ‘Filmmakers for the The Machine” is also notable for marking the return of Henry Cavill's Superman. The cameo is likely to set up future showdowns between the two characters, but Hodge was completely unaware of it until he saw the film.
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Is Watch ‘Filmmakers for the The Machine Available On Hulu?Viewers are saying that they want to view the new TV show Watch ‘Filmmakers for the The Machine on Hulu. Unfortunately, this is not possible since Hulu currently does not offer any of the free ****odes of this series streaming at this time. the MTV channel, which you get by subscribing to cable or satellite TV services. You will not be able to watch it on Hulu or any other free streaming service.
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Unfortunately, Watch ‘Filmmakers for the The Machine is not currently available to stream on Disney Plus and it's not expected that the film will release on Disney Plus until late December at the absolute earliest.
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Watch ‘Filmmakers for the The Machine has finally ended the box office blues. It will be a close call, but based on the estimates, the year's biggest opener remains Doctor Strange in the Multiverse of Madness with its $187 million start. Nonetheless, Wakanda Forever's $180 million opening is a huge one, being the biggest ever for the month of November (beating the $158 million of The Hunger Games: Catching Fire), the second biggest of the year, and the 13th biggest of all time (though it could go up or down a few slots once the actuals come out). It led an overall weekend box office of $208 million, which is the fourth biggest of the year and the biggest by a long shot of the past four months, with no other weekend since July 8 -10 even going above $133 million.
This isn't the $202 million opening that we saw from Watch ‘Filmmakers for the The Machine in February 2018, nor should we expect the amazing legs that were able to get that film to an astonishing $700 million. With that said, expect it to perform strong throughout the holiday season, likely repeating the five-weekend number-one streak that the first film had, and it shouldn't have any trouble becoming the second highest grossing film of the year so far, beating the $411 million cume of Doctor Strange in the Multiverse of Madness. The audience response is strong, with the A CinemaScore falling below the first film's A+ but bouncing back from the B+'s earned by Doctor Strange 2 and Thor: Love and Thunder, which ranked among the worst for the MCU. improvement over the recent franchise installations,with the aforementioned films coming in at 74% and 64% respectively on Rotten Tomatoes, both at the lower end for Marvel films, while Wakanda Forever's 84% ​​​is closer to franchise norms, though not meeting the high bar set by the first Watch ‘Filmmakers for the The Machine's 96%.
The sequel opened to $150 million internationally, which Disney reports is 4% ahead of the first film when comparing like for likes at current exchange rates. Overall, the global cume comes to $330 million. Can it become the year's third film to make it past $1 billion worldwide despite China and Russia, which made up around $124 million of the first film's $682 million international box office, being out of play? It may be tough, but it's not impossible. Legging out past $500 million is plausible on the domestic front (that would be a multiplier of at least 2.7), and another $500 million abroad would be a drop of around $58 million from the original after excluding the two MIA markets. It'd be another story if audiences didn't love the film,but the positive reception suggests that Wakanda Forever will outperform the legs on this year's earlier MCU titles (Multiverse of Madness and Love and Thunder had multipliers of 2.2 and 2.3 respectively).
As for the rest of the box office, there's little to get excited about, with nothing else grossing above $10 million as Hollywood shied away from releasing anything significant not just this weekend but also over the previous two weekends. When Watch ‘Filmmakers for the The Machine opened in 2018, there was no counterprogramming that opened the same weekend, but Peter Rabbit and Fifty Shades Freed were in their second weekends and took second and third with $17.5 million and $17.3 million respectively. That weekend had an overall cume of $287 million compared to $208 million this weekend Take away the $22 million gap between the two Watch ‘Filmmakers for the The Machine films and there's still a $57 million gap between the two weekends. The difference may not feel that large when a mega blockbuster is propping up the grosses,but the contrast is harsher when the mid-level films are the entire box office as we saw in recent months.
Watch ‘Filmmakers for the The Machine, which is the biggest grosser of the rough post-summer, pre-Wakanda Forever season, came in second with just $8.6 million. Despite the blockbuster competition that arrived in its fourth weekend, the numbers didn't totally collapse, dropping 53 % for a cume of $151 million. Worldwide it is at $352 million, which isn't a great cume as the grosses start to wind down considering its $200 million budget. Still, it's the biggest of any film since Thor: Love and Thunder, though Wakanda Forever will overtake it any day now.
Watch ‘Filmmakers for the The Machine came in third place in its fourth weekend, down 29% with $6.1 million, emerging as one of the season's most durable grossers and one of the year's few bright spots when it comes to films for adults. The domestic cume is $56.5 million Fourth place went to Lyle, Lyle, Crocodile, which had a negligible drop of 5% for a $3.2 million sixth weekend and $40.8 million cume., in fact )
, which isn't surprising considering it's the only family film on the market, and it's close to grossing four times its $11.4 million opening. Still, the $72.6 million worldwide cume is soft given the $50 million budget , though a number of international markets have yet to open.
Finishing up the top five is Watch ‘Filmmakers for the The Machine, which had its biggest weekend drop yet, falling 42% for a $2.3 million seventh weekend. Of course, that's no reason to frown for the horror film, which has a domestic cume of $103 million and global cume of $ 210 million from a budget of just $20 million.
The one new specialty title of note comes from a filmmaker we don't typically associate with the specialty box office: Steven Spielberg. The Beard's semi-autobiographical family drama Watch ‘Filmmakers for the The Machine opened in four theaters in New York and Los Angeles to $160k, a $40k average. The film expands to 600 theaters the day before Thanksgiving, and it has the potential to break out in a way that none of the other of the season's awards contenders have. We're also seeing very solid numbers from Watch ‘Filmmakers for the The Machine, which grossed $1.7 million this weekend for a seventh place finish, bringing its cume to $5.8

The Los Angeles Times lists some "revelations" from the docuseries. The stuff about JB and Meech originally planning not to tell the Holts about what Pest did to his sisters until after he married Kaeleigh has already been revealed in other media. But some other stuff of note.
Jill definitely regrets the Megyn Kelly interview defending Pest. She says she wasn't forced to do it, but felt a "burden" and "obligated." She says the family thought 19KAC would survive the first Pest scandal.

“If I hadn’t felt obligated to like, one, do it for the sake of the show and two, do it for the sake of my parents, I wouldn’t have done it,” she said in the third episode.
Jill, now 32, also said “there was an awareness” that her family assumed the series would continue to film despite the public allegations against Josh.
“Yes, we were taken advantage of,” she added.

Derick calls the Megyn Kelly interview a "suicide mission" to save the show.

“In hindsight, I wouldn’t have done the Megyn Kelly stuff. I felt like I was in a place again of like bearing the burden and the weight of just — even though you volunteer, it’s like you feel obligated to help,” she said in the second episode.
Derick Dillard, who had just welcomed a child with Jill at the time of the Kelly interview, said his wife was “basically being called on to carry out a suicide mission” for the TV future of the Duggar family.

JB wanted to take over IBLP after Gothard's downfall?

As the face of the IBLP was embroiled in his own sexual abuse case, Jim Bob and Michelle Duggar became “his replacement,” Bobye Holt said.
“With him being on TLC’s show, I think it has definitely given them a platform to encourage people to come to IBLP,” she continued. “They’ve encouraged people to move to Arkansas, which is completely a cult move.”

Jill says JB did not "forge" her signature. He made her sign a signature page without showing her the rest of the actual contract.

Hours before Jill Duggar became Jill Dillard, though, she unknowingly signed a contract that would extend her time on “19 Kids and Counting.”
“I just saw the signature page. It was like on the end of the kitchen table — like, ‘Hey, I just needed you guys to sign these,’” Jill said. “We were literally running through the kitchen, and it was like whoever you could grab on the way through. I didn’t know what it was for.”
Derick explained that the contract Jim Bob presented to Jill “was a commitment of [our] life for the next five years to the show."

Chad Gallagher was like an enforcer for JB
Chad Gallagher was Huckabee's PR flunky. I knew he was involved in setting up the Megyn Kelly interview to try to salvage the show. But I didn't know he was JB's "manager." He also acted like an enforcer on behalf of JB to keep the kids in line and preventing them from negotiating independently of JB.

The couple attempted to speak to TLC about their contract until Jim Bob’s manager, Gallagher, said it wasn’t their place to do so. At around the same time, Jim Bob was considering paying his older children a lump sum. The catch?“
In order to receive that, you had to sign another deal with my dad, his production company, Mad Family Inc.,” Jill said. “It would be like forever."

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In some cases, health insurance may cover the cost of a nose job if it is deemed medically necessary. This typically applies to procedures aimed at correcting functional issues, such as breathing difficulties or trauma-related deformities. However, cosmetic nose jobs performed solely for aesthetic purposes are usually not covered. It is essential to consult with your insurance provider to understand their coverage policies and determine if you meet the necessary criteria.
Payment Plans:
Many reputable cosmetic surgeons offer flexible payment plans to accommodate their patients' financial needs. These plans allow you to divide the cost of the nose job into manageable monthly installments, making it easier to fit the procedure into your budget. Discussing payment plan options with your surgeon's office can help you get your affordable Rhinoplasty surgery (https://santabarbaranosejobs.com).
Medical Credit Cards:
Medical credit cards, such as CareCredit, are specifically designed to cover medical expenses, including cosmetic procedures. These cards offer special financing options, such as low or zero interest rates for a specified period. Before opting for a medical credit card, it is crucial to thoroughly review the terms and conditions, including interest rates, repayment periods, and any associated fees.
Personal Loans:
Taking out a personal loan from a bank or financial institution is another financing option to consider for your nose job. Personal loans provide you with a lump sum amount that can be used to cover the cost of the procedure. It is important to compare loan terms, interest rates, and repayment schedules from different lenders to ensure you secure the most favorable terms possible.
Savings and Budgeting:
If you have enough time to plan ahead, saving money specifically for your nose job can be a practical approach. By creating a budget and setting aside a portion of your income each month, you can accumulate the necessary funds over time. This method allows you to avoid debt and interest charges, providing a financially responsible way to achieve your goals.
Employer Flex Spending Accounts (FSAs) and Health Savings Accounts (HSAs):
If your employer offers flexible spending accounts or health savings accounts, you may be able to use these funds to cover your nose job expenses. FSAs and HSAs allow you to contribute pre-tax dollars into designated accounts, which can then be used to pay for eligible medical procedures, including rhinoplasty. Be sure to review the guidelines and restrictions of these accounts to ensure your nose job qualifies.
Non-Profit Organizations and Grants:
In certain cases, non-profit organizations and foundations may offer financial assistance or grants for individuals seeking specific medical procedures. Research and reach out to organizations that focus on supporting individuals with facial deformities or aesthetic concerns. While these opportunities may be limited, they can provide valuable financial aid for those in need.
Embarking on a nose job journey involves careful consideration, both emotionally and financially. By exploring the various financing options available, you can make informed decisions and find the right solution that suits your unique circumstances. Remember to consult with your surgeon, thoroughly research the terms and conditions of any financial agreements, and prioritize your financial well-being alongside your desired aesthetic outcomes.
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I have to fill this out for my deceased mother.
How exact does the complete value of the estate have to be? Are we talking complete itemization of every little thing like printelaptop/kitchenware/clothing/etc? Or can I just list the major things? bank accounts and clump clothing into a lump sum as well as other things she had into catagories?
Her whole estate is under $50k

Hi all,
I have about $125K of student loans between undergrad and grad school. In the past couple years, I’ve managed to save around $185K of cash. Recently, I was laid off (tech worker). As a result, I won’t have much income coming in and with the pause ending soon, I’m weighing my options. Should I pay the lump sum or do IDR?

It shows fully vested thru Fidelity. No option for rollover or lump sum. Just $50/month annuity. It's listed as a pension.