2nd grade contraction worksheets
Theoretical discussion
2024.05.15 19:36 rza916 Theoretical discussion
If the Kings could get LeBron to sign by drafting Bronny with a 2nd round pick, should they do it?
My thoughts are Monte is pretty hamstrung with the current roster given the salary cap.
We could remain competitive for a year and buy a years time allowing some of the contracts to become more easily tradable.
Outside of selling out the future, I don’t think we can make the roster improvements necessary to contend next year. Given LeBron’s desire to play with his son, I think it would be a low risk move.
submitted by rza916 to kings [link] [comments]
My thoughts are Monte is pretty hamstrung with the current roster given the salary cap.
We could remain competitive for a year and buy a years time allowing some of the contracts to become more easily tradable.
Outside of selling out the future, I don’t think we can make the roster improvements necessary to contend next year. Given LeBron’s desire to play with his son, I think it would be a low risk move.
2024.05.15 19:20 Kalibre_0 Psychology Mapua Makati
Hello po, me and my friends plan to transfer po to Mapua Makati (2nd year) since maganda naman po yung nakikita namin sa websites+okay naman daw sabi ng friends na nandun.
Any thoughts sa psych mapua? okay naman po ba or may dapat ba kaming ika-overthink hehe and kamusta po grading system/profs?
Thank you so much
submitted by Kalibre_0 to mapua [link] [comments]
Any thoughts sa psych mapua? okay naman po ba or may dapat ba kaming ika-overthink hehe and kamusta po grading system/profs?
Thank you so much
2024.05.15 19:06 TheWhiskeySour We've finally made the decision to home school, but now I'm completely torn on curriculum
Hi all. Sorry, this may get a bit long. But I'll put the TL;DR here at the top - how do I choose between a preset curriculum such as Oak Meadow, or should I piecemeal one together myself?
I've been following this page for about a year now, while trying to decide if we want to HS or not. After A LOT of debate and consideration and input from my 7 year old son, we've decided this is the best option. For context, we live in a rural area, and his current school is Title I. Due to this, and the overall education of the populace, I don't know if the school is lowering its standards, or if this is just par for the course for our district. His reasons for wanting to home school are as follows:
-He doesn't feel like he's challenged enough at school. He is well above grade level in both reading and math, understands scientific concepts that are well beyond his current 2nd grade level, etc.
-He REALLY dislikes being on the computer all the time. I've spent a few days in his classroom, and overall I'd average that at least 20-30% of the time learning is on the computer. This mostly includes busy work on Reading Eggs and Prodigy, so that his teacher can work with special groups to catch up to grade level. He would like to have a program at home where he's working on real physical books. I realize that may not be possible to just buy, but a program that has the option for printables rather than interactive "videogame-like" online learning is his preference.
-There is no option for any real STEM learning at this school. As much as they would like to, they don't have the money or resources to create a STEM lab. I even tried to start up an FLL robotics team, which there was ample interest in from the kids, but the district shot it down. I even had 100% funding for it!
The long and short of it is that he's a very bright kid, and I'm worried that if I do a pre-made curriculum that he'll be bored in some areas, and then we'd...buy another program to augment? It seems like a waste of money. However, I feel like our district standards are so low, that perhaps he'll actually be on target with a pre-made program.
My requirements for a curriculum:
-STEM focused
-Non-religious / Secular
-Good, clear instructions for the student and parent-teacher.
-A program that is mainly off the computer.
So, if you've read this far, the question is this: Do any of you have suggestions for pre-made curriculum that fit this? Oak Meadow is what I've tentatively decided on, but reading reviews has me second guessing myself. I also wouldn't be adverse to piecemealing, such as Woke History, Singapore Math, etc. I haven't done all of the research on those individual subject offers, but I would love suggestions for programs that you all like.
Thank you to all of you who have read this and help me figure this out! I've seen how supportive this community can be, and I appreciate all of you!
submitted by TheWhiskeySour to homeschool [link] [comments]
I've been following this page for about a year now, while trying to decide if we want to HS or not. After A LOT of debate and consideration and input from my 7 year old son, we've decided this is the best option. For context, we live in a rural area, and his current school is Title I. Due to this, and the overall education of the populace, I don't know if the school is lowering its standards, or if this is just par for the course for our district. His reasons for wanting to home school are as follows:
-He doesn't feel like he's challenged enough at school. He is well above grade level in both reading and math, understands scientific concepts that are well beyond his current 2nd grade level, etc.
-He REALLY dislikes being on the computer all the time. I've spent a few days in his classroom, and overall I'd average that at least 20-30% of the time learning is on the computer. This mostly includes busy work on Reading Eggs and Prodigy, so that his teacher can work with special groups to catch up to grade level. He would like to have a program at home where he's working on real physical books. I realize that may not be possible to just buy, but a program that has the option for printables rather than interactive "videogame-like" online learning is his preference.
-There is no option for any real STEM learning at this school. As much as they would like to, they don't have the money or resources to create a STEM lab. I even tried to start up an FLL robotics team, which there was ample interest in from the kids, but the district shot it down. I even had 100% funding for it!
The long and short of it is that he's a very bright kid, and I'm worried that if I do a pre-made curriculum that he'll be bored in some areas, and then we'd...buy another program to augment? It seems like a waste of money. However, I feel like our district standards are so low, that perhaps he'll actually be on target with a pre-made program.
My requirements for a curriculum:
-STEM focused
-Non-religious / Secular
-Good, clear instructions for the student and parent-teacher.
-A program that is mainly off the computer.
So, if you've read this far, the question is this: Do any of you have suggestions for pre-made curriculum that fit this? Oak Meadow is what I've tentatively decided on, but reading reviews has me second guessing myself. I also wouldn't be adverse to piecemealing, such as Woke History, Singapore Math, etc. I haven't done all of the research on those individual subject offers, but I would love suggestions for programs that you all like.
Thank you to all of you who have read this and help me figure this out! I've seen how supportive this community can be, and I appreciate all of you!
2024.05.15 18:57 spek00 being ‘transferred’
hi everyone, this may be a rant, so i apologize.
i’ve been working as a counselor at my HS for a year, working overall as a counselor for 5 years. admittedly, moving from my old MS to HS was a bit of an adjustment. 50+ 504s, college/career, making sure seniors graduate. but i worked my ass off and nearly took FMLA because of the stress (back in jan/feb — you can look at my old posts if you want more info).
as of this morning, i’ve just been notified that they will be ‘transferring’ me to a K-8 that i’ve made it clear i have no desire to work at. but i don’t really think they can technically transfer me? i didn’t sign a contract this year (none of the staff did) but i pay union dues so i’ve been looking through the ‘contract agreement’ from the union and my boss is doing /some/ of the stuff by-the-book, but in general it’s been really shady and she also ignored my email from a week ago requesting a meeting with my union reps.
i don’t really see how that’s ethical, but okay. anyway, i was wondering if anyone else had experienced this, specifically in school counseling? again, im not on a 3-year contract or anything, so i don’t really think i legally need to stick around for a job i don’t want. honestly it just feels like they’re trying to push me out.
any feedback, advice, thoughts would be great. i’m trying not to freak because of my probable job loss but i’m struggling. i WILL be meeting with my boss, the building admin, and my union reps either today or tomorrow.
tldr: my boss is trying to transfer me to a different grade level, but i don’t think i’m legally obligated to stick around. has this happened to anyone else?
submitted by spek00 to schoolcounseling [link] [comments]
i’ve been working as a counselor at my HS for a year, working overall as a counselor for 5 years. admittedly, moving from my old MS to HS was a bit of an adjustment. 50+ 504s, college/career, making sure seniors graduate. but i worked my ass off and nearly took FMLA because of the stress (back in jan/feb — you can look at my old posts if you want more info).
as of this morning, i’ve just been notified that they will be ‘transferring’ me to a K-8 that i’ve made it clear i have no desire to work at. but i don’t really think they can technically transfer me? i didn’t sign a contract this year (none of the staff did) but i pay union dues so i’ve been looking through the ‘contract agreement’ from the union and my boss is doing /some/ of the stuff by-the-book, but in general it’s been really shady and she also ignored my email from a week ago requesting a meeting with my union reps.
i don’t really see how that’s ethical, but okay. anyway, i was wondering if anyone else had experienced this, specifically in school counseling? again, im not on a 3-year contract or anything, so i don’t really think i legally need to stick around for a job i don’t want. honestly it just feels like they’re trying to push me out.
any feedback, advice, thoughts would be great. i’m trying not to freak because of my probable job loss but i’m struggling. i WILL be meeting with my boss, the building admin, and my union reps either today or tomorrow.
tldr: my boss is trying to transfer me to a different grade level, but i don’t think i’m legally obligated to stick around. has this happened to anyone else?
2024.05.15 18:55 musicorloseittv 5 Ways Music Or Lose It Supports And Encourages Music Creators
5 Ways Music Or Lose It Supports And Encourages Music Creators
With a belief that individual songs are the best way to connect a music creator to music fans, this community is uniquely focused on fostering discussions about great songs individually. You may be at a professional yet lesser known status. You may be an amateur recording at home, in an automobile, or in a field. Everyone has to start somewhere. You are welcome here.1) Welcoming Self-Promotion
Self-promotion by sharing your individual songs is absolutely welcome here within the bounds of the community rules and Reddit’s terms of service, after you are approved by the community moderator for self promoting.• Available flairs for music creators to self promote:
- "🎛️ My Song" flair ➢ for creators to share your own songs.
- "🎚️ My Beats" & "📦 “Free Music Resources" flairs ➢ for creators to share your own beats.
- "📰 Press Release” flair ➢ for creators to announce an album release.
- "Introduction 😎 I'm A Creator" flair ➢ for creators to tell their story of becoming a music maker directly to this community.
- "🔎 Ask A Music Creator" flair ➢ for creators to avail themselves to answer questions from this community regarding your insights on making and performing music.
- "🎤 Interview" flair ➢ for creators to interview one another akin to the “Variety Studio: Actors on Actors” series. Select creators will be offered interviews by the moderator.
2) Awarding Music Creators
Just for fun, Music Or Lose It organizes a month and yearly contest. If you win, you can mention the achievement when promoting your song on social media, music distribution venues, and at your website.Here are the online awards offered for special recognition of music creators’ excellence:
🏅Best Song Of The Month By Community Vote
At The Music Or Lose It Community
🏆 Best Song Of The Year By Community Vote
At The Music Or Lose It Community
🏅 Best Community Song Of 2024 1st/2nd/3rd/4th Quarter
☆ ─── ⋆⋅ Founder’s Choice ⋅⋆ ── ☆
From A Creator At The Music Or Lose It Community
🏆 Best Community Song Of 2024
☆ ─── ⋆⋅ Founder’s Choice ⋅⋆ ── ☆
From A Creator At The Music Or Lose It Community
🌟 Founder’s Choice • Creator Most Likely To Succeed
At The Music Or Lose It Community
3) Connecting You With Music Fans
Music Or Lose It (MOLI) proactively tries to get your music in front of the eyes and ears of this community’s above-average music fans. By requiring music creators to engage in the community (not just post then ghost), MOLI has you e-mingling in the comments section of posts by music fans and other creators. The more you become visible to this community, the more music fans tend to find their way to your channel. The more potential new members see posts with lots of upvotes and plentiful replies, the more they are likely to join this community. The more new people join this community, the more the things you post are likely to be upvoted and replied to.• Available flair for music creators to e-mingle here:
- "⚙️ My Gear" flair ➢ share a photo of your gear. Explain how it’s valuable to you in your process of creating music.
- "🔢 Countdown" flair ➢ share a list of your top 10 favorite songs or 10 favorite music entertainers.
- "🗯️ Let’s Discuss This Topic" flair ➢ lead a conversation about an important topic impacting both music fans and creators. Hot topics these days are the potential shutdown of TikTok; artificial intelligence (AI); the “7 year rule” regarding music contracts; and the proposed Living Wage for Musicians Act.
- "🔎 Ask A Music Fan" flair ➢ select music fans will avail themselves to answer questions from this community (including music creators) regarding their perspectives on how they find, enjoy, and connect with music, similar to the above-mentioned “Ask A Music Creator” flair. This is a great opportunity for music creators to get insights directly from music fans.
4) Distinguishing You As The Creator You Are
Creators like you are provided a profile flair that reads “▶️ Hi. I’m Here As A Creator,” after you are approved by the community moderator for self promoting. When you interact in the comments section, curious music fans will be more prone to checking out your profile with that flair – especially if you share some interesting insights in the comments section.5) Moderator Personally Spends Time With Creators
• Attentiveness To Your SongsI will personally listen to your song, if you are a music creator here and your post complies with community rules. I personally do not have time to listen to albums and I am not an album reviewer. I am a single-songs reviewer and fan. I won’t be mean and overly critical to amateur and lesser known creators who don’t have access to fancy studios. We all gotta start somewhere. I might offer what I hope is constructive feedback if I have time and if I feel I have something useful to suggest. I always try to comment, if I have time. If your music brand represents a vision I am comfortable being associated with, I’ll follow you on YouTube, X/Twitter, Instagram, or anywhere else we’re both at.
• Ensuring Your Posts’ Accompanying URL Images Are Visible
I ensure creators know the importance of the “Title & Link Share Only” posting method on Reddit. It’s better to post this way using the Reddit smartphone app. Posting using this “Title & Link Share Only” posting method best ensure the accompanying image for your URL link will be visible. Failing to do this results in the accompanying image for your URL link not being visible to desktop viewers – making your post less attractive. To prevent that from happening to you, I will teach you how to do this. It’s easy.
👍 Title & Link Share Only method
👎 Title & Text Body With Link method
➤ Additional Resources:
This Music Or Lose It subreddit community is a place to primarily share and discuss songs. It cannot meet every need a music creator has. Yet I will share with you the following subreddit communities that seem to be useful for music creators learning skill improvement and behind the scenes knowledge. Tip: when people make claims at online communities, never be afraid to ask for source citations.➤ Final Thoughts
• I hope every music creator here has a great time and is able to connect with music fans you might not otherwise meet. I constantly study other subreddit communities (music and non-music) and participate in subreddit communities for moderators, in order to do my best to make this community as lively as possible.• This musicorloseittv subreddit online community was founded by me – The Music Fan Man. I am a creator making videos as a music reviewer and commentator. I feel lesser known creators are too often inexplicably hindered by video venues not providing a reasonably fair chance at getting seen by viewers. I don’t want to hinder creators. Therefore any rule I implement here is thoughtfully considered. I suspect many other music subreddit communities are less thoughtful regarding how their rules (or sometimes lack thereof) hinder lesser known creators from connecting with potential fans. I always weigh pros and cons when making a community rule. In the context of my role as a subreddit community moderator, I strive to foremost serve the music fans. That in mind, all rules here have been created to ensure the music fans here have the best experience.
• There’s no promise of sudden virality here. However, if you can win them over, the music fans here tend to be thoughtful, above-average, quality people. Because I am selective to invite only upbeat music fans and promising music creators, this online community has good vibes.
• After ≈ 1.5 years of this community being active, without exaggeration, I truly feel some of the creators sharing music here could seriously land on the Billboard 200/Hot 100 charts and even at the Grammys stage. It gives me so much joy to play a role in bringing music fans and music creators together.
The Music Fan Man,
Music Or Lose It founder
2024.05.15 18:43 Due-Eggplant-3342 Anyone have an early vaginal birth after a c-section?
I’m currently 37+4 with my 2nd baby. My first child was born over 5 years ago via emergency c-section. We are planning on a scheduled c-section this time around to avoid the complications that arose last time. It’s already scheduled for about 2 weeks out. However I keep having this sneaking thought that she’s going to come even earlier. I’ve had a lot of Braxton hicks contractions for the past couple months, a lot of pelvic pressure, and just feel like she’s going to fall out. Has anyone had that happen to them before? Am I just freaking myself out?? I know I CAN have a vaginal delivery if I wanted to, I just am afraid the same complications of me not progressing fast enough will occur again (I labored for 20+ hours and wouldn’t dilated past 4cm, and babies heart rate kept dropping). But just curious if anyone has had the experience of an early baby kind of just slip out the 2nd time around? lol.
submitted by Due-Eggplant-3342 to BabyBumps [link] [comments]
2024.05.15 18:43 Professional_Disk131 Element79 Is Mapping the Path to High-Grade Operations (CSE:ELEM, OTC:ELMGF)
Element79 unveils compelling assay results from its Lucero property, showcasing significant gold and silver grades alongside high concentrations of base metals. The data from these assays not only lays the groundwork for resource development but also guides the Company’s 2024 drill program, utilizing comprehensive 3D modeling for precision and efficiency. Through strategic meetings with artisanal miners and swift responses to community needs like the Chachas landslide, Element79 underscores its commitment to responsible mining practices and meaningful community integration. Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a prominent player in the mining industry, is redefining the gold and silver market with its robust portfolio and innovative strategies. With its focus primarily on gold and silver, Element79 stands as a beacon in the mining industry, committed to delivering impressive results while adhering to the highest environmental and social standards. This article sheds light on Element79’s journey, its flagship projects, recent developments, and future prospects. About Element79 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a leading figure in the mining industry, has established itself as a pioneer in responsible mining practices. Its commitment to sustainable development and strategic acquisitions highlight Element79’s dedication to maximizing shareholder value. The company’s impressive portfolio features two flagship projects, the Lucero Property in Peru and the Maverick Springs Project in Nevada, both of which exhibit significant potential for high-grade operations. Lucero Property: The Goldmine in Peru Nestled in Arequipa, Peru, the Lucero Property is a high-grade gold and silver mine that stands as one of Element79’s flagship projects. With a rich history and immense potential for future development, Lucero is a testament to Element79’s commitment to mining excellence. Historically, the Lucero mine boasted impressive grades, with an average of 19.0g/t Au Equivalent (Au Eq) during its five years of production ending in 2005. Recent assays from underground workings in March 2023 have further validated the potential for a significant high-grade future operation. These assays yielded up to 11.7 ounces per ton of gold and 247 ounces per ton of silver, indicating a promising future for high-grade operations. Additional Assay Results Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) unveils additional findings from its recent underground and surface sampling efforts at the Lucero property, the cornerstone of its endeavors. James Tworek, CEO of Element79, underscores the significance of these results: “This data isn’t just promising; it’s pivotal. It forms the bedrock upon which we build our future at Lucero.” Out of 97 samples analyzed, 56 returned notable gold grades, with peaks at 8.55 g/t gold and 523 g/t silver, as shown in Table 1. Additionally, high concentrations of base metals were detected, affirming the project’s richness and reinforcing the Company’s confidence in its resource potential. These assay results serve dual purposes for Element79. Firstly, they lay the groundwork for resource development and future mine planning, marking essential milestones in the project’s evaluation process. Secondly, this data will steer the Company’s 2024 drill program, informed by comprehensive 3D modeling of geology and historic mine workings. This approach aims for precision and efficiency, utilizing a wealth of data including historical records dating back to 2005, current geochemistry data, underground mapping, and geophysical surveys. Tworek emphasizes the significance of this data in guiding future exploration efforts: “It delineates areas of economic strength and directs our focus for ore extraction, leveraging both past data and current findings.” Maverick Springs Project: A Silver Lining in Nevada Another gem in Element79’s portfolio is the Maverick Springs Project, located in the renowned gold mining district of northeastern Nevada, USA. With its proximity to the prolific Carlin Trend, Maverick Springs presents an exciting opportunity for Element79. The project is a silver-rich sediment/carbonate-hosted deposit, similar to the renowned silver-rich epithermal deposits found in Nevada. Elevating Community Relations In its ongoing commitment to community engagement, Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) orchestrated a strategic meeting with artisanal miners from Lomas Doradas. The goal? To cultivate collaborative ties, ensuring mutual support as the Company embarks on exploration efforts on surface land. Seeking exclusive agreements, Element79 aims for a unified approach to mineral extraction and sales, benefitting both parties. In a bid to solidify this partnership, Element79 proposed draft contracts. These agreements outline a decade-long surface access arrangement for exploration at the Lucero mine site, reciprocated by granting local miners access to defined locations for their operations. Additionally, Element79 pledges to facilitate optimal market pricing for Lomas Doradas’ ore, ensuring a steady revenue stream for both sides. In March, Element79’s swift response to a landslide in Chachas exemplified its dedication to community assistance. The team provided vital support, aiding in the transfer of stranded community members until roads were cleared. Embracing local traditions, Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) community relations team joined in a traditional Water Ceremony alongside local authorities and leaders. This culturally rich event, steeped in Chachas tradition, underscores the Company’s commitment to meaningful engagement and integration. Throughout the year, Element79’s engagement in social awareness remains steadfast. Site visits and consultations with annex leaders bolster community support for ongoing exploration efforts. The Company advocates for a progressive approach, aligning with sustainable development goals and community interests. Conclusion Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) commitment to responsible mining practices, coupled with its robust portfolio, positions it as a leader in the mining industry. The company’s dedication to sustainable development, strategic acquisitions, and community relations exemplify its commitment to maximizing shareholder value. As Element79 continues its exploration and development efforts, it remains steadfast in its commitment to responsible and sustainable mining practices. By leveraging its expertise and strategic acquisitions, Element79 is well-positioned to deliver value to its shareholders while contributing to the responsible development of the mining industry.
submitted by Professional_Disk131 to Pennystock [link] [comments]
2024.05.15 18:42 Professional_Disk131 Element79 Is Mapping the Path to High-Grade Operations (CSE:ELEM, OTC:ELMGF)
 |
https://preview.redd.it/kg2z82jecm0d1.png?width=461&format=png&auto=webp&s=ff012cc85fc0afdd42405b9b21b4ce803426b9ab Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a prominent player in the mining industry, is redefining the gold and silver market with its robust portfolio and innovative strategies. With its focus primarily on gold and silver, Element79 stands as a beacon in the mining industry, committed to delivering impressive results while adhering to the highest environmental and social standards. This article sheds light on Element79’s journey, its flagship projects, recent developments, and future prospects. https://preview.redd.it/x4xsr5vfcm0d1.png?width=977&format=png&auto=webp&s=22fe10679494a68af547bd658eafd0f8a48d34f7 About Element79 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a leading figure in the mining industry, has established itself as a pioneer in responsible mining practices. Its commitment to sustainable development and strategic acquisitions highlight Element79’s dedication to maximizing shareholder value. The company’s impressive portfolio features two flagship projects, the Lucero Property in Peru and the Maverick Springs Project in Nevada, both of which exhibit significant potential for high-grade operations. Lucero Property: The Goldmine in Peru Nestled in Arequipa, Peru, the Lucero Property is a high-grade gold and silver mine that stands as one of Element79’s flagship projects. With a rich history and immense potential for future development, Lucero is a testament to Element79’s commitment to mining excellence. Historically, the Lucero mine boasted impressive grades, with an average of 19.0g/t Au Equivalent (Au Eq) during its five years of production ending in 2005. Recent assays from underground workings in March 2023 have further validated the potential for a significant high-grade future operation. These assays yielded up to 11.7 ounces per ton of gold and 247 ounces per ton of silver, indicating a promising future for high-grade operations. https://preview.redd.it/z9tb2eygcm0d1.png?width=977&format=png&auto=webp&s=354758a5026e2a2c1e1c61d962e9d9394342da24 Additional Assay Results Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) unveils additional findings from its recent underground and surface sampling efforts at the Lucero property, the cornerstone of its endeavors. James Tworek, CEO of Element79, underscores the significance of these results: “This data isn’t just promising; it’s pivotal. It forms the bedrock upon which we build our future at Lucero.” Out of 97 samples analyzed, 56 returned notable gold grades, with peaks at 8.55 g/t gold and 523 g/t silver, as shown in Table 1. Additionally, high concentrations of base metals were detected, affirming the project’s richness and reinforcing the Company’s confidence in its resource potential. These assay results serve dual purposes for Element79. Firstly, they lay the groundwork for resource development and future mine planning, marking essential milestones in the project’s evaluation process. Secondly, this data will steer the Company’s 2024 drill program, informed by comprehensive 3D modeling of geology and historic mine workings. This approach aims for precision and efficiency, utilizing a wealth of data including historical records dating back to 2005, current geochemistry data, underground mapping, and geophysical surveys. Tworek emphasizes the significance of this data in guiding future exploration efforts: “It delineates areas of economic strength and directs our focus for ore extraction, leveraging both past data and current findings.” Maverick Springs Project: A Silver Lining in Nevada Another gem in Element79’s portfolio is the Maverick Springs Project, located in the renowned gold mining district of northeastern Nevada, USA. With its proximity to the prolific Carlin Trend, Maverick Springs presents an exciting opportunity for Element79. The project is a silver-rich sediment/carbonate-hosted deposit, similar to the renowned silver-rich epithermal deposits found in Nevada. https://preview.redd.it/4b91h5aicm0d1.png?width=977&format=png&auto=webp&s=39833ca48b34c3bd57511488840bc5ffc38da757 Elevating Community Relations In its ongoing commitment to community engagement, Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) orchestrated a strategic meeting with artisanal miners from Lomas Doradas. The goal? To cultivate collaborative ties, ensuring mutual support as the Company embarks on exploration efforts on surface land. Seeking exclusive agreements, Element79 aims for a unified approach to mineral extraction and sales, benefitting both parties. In a bid to solidify this partnership, Element79 proposed draft contracts. These agreements outline a decade-long surface access arrangement for exploration at the Lucero mine site, reciprocated by granting local miners access to defined locations for their operations. Additionally, Element79 pledges to facilitate optimal market pricing for Lomas Doradas’ ore, ensuring a steady revenue stream for both sides. In March, Element79’s swift response to a landslide in Chachas exemplified its dedication to community assistance. The team provided vital support, aiding in the transfer of stranded community members until roads were cleared. Embracing local traditions, Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) community relations team joined in a traditional Water Ceremony alongside local authorities and leaders. This culturally rich event, steeped in Chachas tradition, underscores the Company’s commitment to meaningful engagement and integration. Throughout the year, Element79’s engagement in social awareness remains steadfast. Site visits and consultations with annex leaders bolster community support for ongoing exploration efforts. The Company advocates for a progressive approach, aligning with sustainable development goals and community interests. Conclusion Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) commitment to responsible mining practices, coupled with its robust portfolio, positions it as a leader in the mining industry. The company’s dedication to sustainable development, strategic acquisitions, and community relations exemplify its commitment to maximizing shareholder value. As Element79 continues its exploration and development efforts, it remains steadfast in its commitment to responsible and sustainable mining practices. By leveraging its expertise and strategic acquisitions, Element79 is well-positioned to deliver value to its shareholders while contributing to the responsible development of the mining industry. |
2024.05.15 18:40 Redellyfish Weekly challange easy ghosts😁
 | only easy ghosts this time 😎 submitted by Redellyfish to PhasmophobiaGame [link] [comments] 1st wraith (easy salt) 2nd phantom (couldn't see anything because of the dark, but almost never saw the ghost either so that was easy) 3rd twins (saw on activity board within 5 min of investigating) all contracts in around 5 minutes each letsgo This is my first time finishing weekly completely solo also💪. Was a bit scary, but the ghosts couldn't touch me which felt nice. It was a few close calls though... I'm not used to looping ghosts. Yay 🎉 |
2024.05.15 18:36 Professional_Disk131 Element79 Is Mapping the Path to High-Grade Operations (CSE:ELEM, OTC:ELMGF)
 |
https://preview.redd.it/l8w9mu0x9m0d1.png?width=461&format=png&auto=webp&s=1644ed3c9db1164b8a8cbd2eb497326d86317523 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a prominent player in the mining industry, is redefining the gold and silver market with its robust portfolio and innovative strategies. With its focus primarily on gold and silver, Element79 stands as a beacon in the mining industry, committed to delivering impressive results while adhering to the highest environmental and social standards. This article sheds light on Element79’s journey, its flagship projects, recent developments, and future prospects. https://preview.redd.it/jli2fgvaam0d1.png?width=977&format=png&auto=webp&s=e3dabd4b6049b9e569763088f6fc91e61dd5a9a5 About Element79 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a leading figure in the mining industry, has established itself as a pioneer in responsible mining practices. Its commitment to sustainable development and strategic acquisitions highlight Element79’s dedication to maximizing shareholder value. The company’s impressive portfolio features two flagship projects, the Lucero Property in Peru and the Maverick Springs Project in Nevada, both of which exhibit significant potential for high-grade operations. Lucero Property: The Goldmine in Peru Nestled in Arequipa, Peru, the Lucero Property is a high-grade gold and silver mine that stands as one of Element79’s flagship projects. With a rich history and immense potential for future development, Lucero is a testament to Element79’s commitment to mining excellence. Historically, the Lucero mine boasted impressive grades, with an average of 19.0g/t Au Equivalent (Au Eq) during its five years of production ending in 2005. Recent assays from underground workings in March 2023 have further validated the potential for a significant high-grade future operation. These assays yielded up to 11.7 ounces per ton of gold and 247 ounces per ton of silver, indicating a promising future for high-grade operations. https://preview.redd.it/qgvmdj1cbm0d1.png?width=977&format=png&auto=webp&s=7b652f5250ef4f3a5879f69b18b951d5ace2ca5e Additional Assay Results Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) unveils additional findings from its recent underground and surface sampling efforts at the Lucero property, the cornerstone of its endeavors. James Tworek, CEO of Element79, underscores the significance of these results: “This data isn’t just promising; it’s pivotal. It forms the bedrock upon which we build our future at Lucero.” Out of 97 samples analyzed, 56 returned notable gold grades, with peaks at 8.55 g/t gold and 523 g/t silver, as shown in Table 1. Additionally, high concentrations of base metals were detected, affirming the project’s richness and reinforcing the Company’s confidence in its resource potential. These assay results serve dual purposes for Element79. Firstly, they lay the groundwork for resource development and future mine planning, marking essential milestones in the project’s evaluation process. Secondly, this data will steer the Company’s 2024 drill program, informed by comprehensive 3D modeling of geology and historic mine workings. This approach aims for precision and efficiency, utilizing a wealth of data including historical records dating back to 2005, current geochemistry data, underground mapping, and geophysical surveys. Tworek emphasizes the significance of this data in guiding future exploration efforts: “It delineates areas of economic strength and directs our focus for ore extraction, leveraging both past data and current findings.” Maverick Springs Project: A Silver Lining in Nevada Another gem in Element79’s portfolio is the Maverick Springs Project, located in the renowned gold mining district of northeastern Nevada, USA. With its proximity to the prolific Carlin Trend, Maverick Springs presents an exciting opportunity for Element79. The project is a silver-rich sediment/carbonate-hosted deposit, similar to the renowned silver-rich epithermal deposits found in Nevada. https://preview.redd.it/vetqtwngbm0d1.png?width=977&format=png&auto=webp&s=7919142cc4463528bf24476bda4afea9e0d6d53f Elevating Community Relations In its ongoing commitment to community engagement, Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) orchestrated a strategic meeting with artisanal miners from Lomas Doradas. The goal? To cultivate collaborative ties, ensuring mutual support as the Company embarks on exploration efforts on surface land. Seeking exclusive agreements, Element79 aims for a unified approach to mineral extraction and sales, benefitting both parties. In a bid to solidify this partnership, Element79 proposed draft contracts. These agreements outline a decade-long surface access arrangement for exploration at the Lucero mine site, reciprocated by granting local miners access to defined locations for their operations. Additionally, Element79 pledges to facilitate optimal market pricing for Lomas Doradas’ ore, ensuring a steady revenue stream for both sides. In March, Element79’s swift response to a landslide in Chachas exemplified its dedication to community assistance. The team provided vital support, aiding in the transfer of stranded community members until roads were cleared. Embracing local traditions, Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) community relations team joined in a traditional Water Ceremony alongside local authorities and leaders. This culturally rich event, steeped in Chachas tradition, underscores the Company’s commitment to meaningful engagement and integration. Throughout the year, Element79’s engagement in social awareness remains steadfast. Site visits and consultations with annex leaders bolster community support for ongoing exploration efforts. The Company advocates for a progressive approach, aligning with sustainable development goals and community interests. Conclusion Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) commitment to responsible mining practices, coupled with its robust portfolio, positions it as a leader in the mining industry. The company’s dedication to sustainable development, strategic acquisitions, and community relations exemplify its commitment to maximizing shareholder value. As Element79 continues its exploration and development efforts, it remains steadfast in its commitment to responsible and sustainable mining practices. By leveraging its expertise and strategic acquisitions, Element79 is well-positioned to deliver value to its shareholders while contributing to the responsible development of the mining industry. |
2024.05.15 18:33 OwnArgument5971 I always fuck up a subject in exams.
Like its always the case whenever I have exams even if i start preparing 1-2 months before they actually even start.
For example:
I Do maths,physics,biology,chemistry. And in the 2nd semester of school (HS) i studied everything except for maths and failed it even though its my favourite subject. Why? Because i spent too much time studying the other ones thinking my passion for maths would carry me. And lol i got mostly B's in them.
Now im doing my finals and guess what i nailed maths and the others but im flunking physics haha.
This has been the case for me for as long as i can remember, I'll give my 100% in some subjects but always fuck up in the others and i hate myself for it.
I know im capable of acheiving A* in all of them and shutting up the narcassitic nerds in my grade but it's like my brain is setting me up for failure. It's like you're running towards a lion even though you know your a dead man.
(Im underdiagnosed for adhd, my parents refuse to take me for a diagnosis because they think that people with adhd are idiots and cant focus on nothing even things that interest them which is not true)
submitted by OwnArgument5971 to ADHD [link] [comments]
For example:
I Do maths,physics,biology,chemistry. And in the 2nd semester of school (HS) i studied everything except for maths and failed it even though its my favourite subject. Why? Because i spent too much time studying the other ones thinking my passion for maths would carry me. And lol i got mostly B's in them.
Now im doing my finals and guess what i nailed maths and the others but im flunking physics haha.
This has been the case for me for as long as i can remember, I'll give my 100% in some subjects but always fuck up in the others and i hate myself for it.
I know im capable of acheiving A* in all of them and shutting up the narcassitic nerds in my grade but it's like my brain is setting me up for failure. It's like you're running towards a lion even though you know your a dead man.
(Im underdiagnosed for adhd, my parents refuse to take me for a diagnosis because they think that people with adhd are idiots and cant focus on nothing even things that interest them which is not true)
2024.05.15 18:14 Professional_Disk131 Element79 Is Mapping the Path to High-Grade Operations (CSE:ELEM, OTC:ELMGF)
 |
https://preview.redd.it/ewc96g7i7m0d1.png?width=461&format=png&auto=webp&s=aec4d52d41bd7fa62b7237a9f37866642171f3f9 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a prominent player in the mining industry, is redefining the gold and silver market with its robust portfolio and innovative strategies. With its focus primarily on gold and silver, Element79 stands as a beacon in the mining industry, committed to delivering impressive results while adhering to the highest environmental and social standards. This article sheds light on Element79’s journey, its flagship projects, recent developments, and future prospects. https://preview.redd.it/6fnrvdaj7m0d1.png?width=977&format=png&auto=webp&s=ec5bf66cd55bd26d58dfc4be173e550a32c58e70 About Element79 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a leading figure in the mining industry, has established itself as a pioneer in responsible mining practices. Its commitment to sustainable development and strategic acquisitions highlight Element79’s dedication to maximizing shareholder value. The company’s impressive portfolio features two flagship projects, the Lucero Property in Peru and the Maverick Springs Project in Nevada, both of which exhibit significant potential for high-grade operations. Lucero Property: The Goldmine in Peru Nestled in Arequipa, Peru, the Lucero Property is a high-grade gold and silver mine that stands as one of Element79’s flagship projects. With a rich history and immense potential for future development, Lucero is a testament to Element79’s commitment to mining excellence. Historically, the Lucero mine boasted impressive grades, with an average of 19.0g/t Au Equivalent (Au Eq) during its five years of production ending in 2005. Recent assays from underground workings in March 2023 have further validated the potential for a significant high-grade future operation. These assays yielded up to 11.7 ounces per ton of gold and 247 ounces per ton of silver, indicating a promising future for high-grade operations. https://preview.redd.it/gaht7iqk7m0d1.png?width=977&format=png&auto=webp&s=caaa4caabf2e5aa7f7d70eecd33f411800080123 Additional Assay Results Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) unveils additional findings from its recent underground and surface sampling efforts at the Lucero property, the cornerstone of its endeavors. James Tworek, CEO of Element79, underscores the significance of these results: “This data isn’t just promising; it’s pivotal. It forms the bedrock upon which we build our future at Lucero.” Out of 97 samples analyzed, 56 returned notable gold grades, with peaks at 8.55 g/t gold and 523 g/t silver, as shown in Table 1. Additionally, high concentrations of base metals were detected, affirming the project’s richness and reinforcing the Company’s confidence in its resource potential. These assay results serve dual purposes for Element79. Firstly, they lay the groundwork for resource development and future mine planning, marking essential milestones in the project’s evaluation process. Secondly, this data will steer the Company’s 2024 drill program, informed by comprehensive 3D modeling of geology and historic mine workings. This approach aims for precision and efficiency, utilizing a wealth of data including historical records dating back to 2005, current geochemistry data, underground mapping, and geophysical surveys. Tworek emphasizes the significance of this data in guiding future exploration efforts: “It delineates areas of economic strength and directs our focus for ore extraction, leveraging both past data and current findings.” Maverick Springs Project: A Silver Lining in Nevada Another gem in Element79’s portfolio is the Maverick Springs Project, located in the renowned gold mining district of northeastern Nevada, USA. With its proximity to the prolific Carlin Trend, Maverick Springs presents an exciting opportunity for Element79. The project is a silver-rich sediment/carbonate-hosted deposit, similar to the renowned silver-rich epithermal deposits found in Nevada. https://preview.redd.it/rnbdwu1m7m0d1.png?width=977&format=png&auto=webp&s=304a92479c3dc7ee3502ab03c39b485e225851e7 Elevating Community Relations In its ongoing commitment to community engagement, Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) orchestrated a strategic meeting with artisanal miners from Lomas Doradas. The goal? To cultivate collaborative ties, ensuring mutual support as the Company embarks on exploration efforts on surface land. Seeking exclusive agreements, Element79 aims for a unified approach to mineral extraction and sales, benefitting both parties. In a bid to solidify this partnership, Element79 proposed draft contracts. These agreements outline a decade-long surface access arrangement for exploration at the Lucero mine site, reciprocated by granting local miners access to defined locations for their operations. Additionally, Element79 pledges to facilitate optimal market pricing for Lomas Doradas’ ore, ensuring a steady revenue stream for both sides. In March, Element79’s swift response to a landslide in Chachas exemplified its dedication to community assistance. The team provided vital support, aiding in the transfer of stranded community members until roads were cleared. Embracing local traditions, Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) community relations team joined in a traditional Water Ceremony alongside local authorities and leaders. This culturally rich event, steeped in Chachas tradition, underscores the Company’s commitment to meaningful engagement and integration. Throughout the year, Element79’s engagement in social awareness remains steadfast. Site visits and consultations with annex leaders bolster community support for ongoing exploration efforts. The Company advocates for a progressive approach, aligning with sustainable development goals and community interests. Conclusion Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) commitment to responsible mining practices, coupled with its robust portfolio, positions it as a leader in the mining industry. The company’s dedication to sustainable development, strategic acquisitions, and community relations exemplify its commitment to maximizing shareholder value. As Element79 continues its exploration and development efforts, it remains steadfast in its commitment to responsible and sustainable mining practices. By leveraging its expertise and strategic acquisitions, Element79 is well-positioned to deliver value to its shareholders while contributing to the responsible development of the mining industry. |
2024.05.15 18:13 Professional_Disk131 Element79 Is Mapping the Path to High-Grade Operations (CSE:ELEM, OTC:ELMGF)
 |
https://preview.redd.it/d74telxg6m0d1.png?width=461&format=png&auto=webp&s=a93d059b63e43f073e075f2ab27d06095537dce1 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a prominent player in the mining industry, is redefining the gold and silver market with its robust portfolio and innovative strategies. With its focus primarily on gold and silver, Element79 stands as a beacon in the mining industry, committed to delivering impressive results while adhering to the highest environmental and social standards. This article sheds light on Element79’s journey, its flagship projects, recent developments, and future prospects. https://preview.redd.it/vxasjqxy6m0d1.png?width=977&format=png&auto=webp&s=747ac928aad0408c588edcfd33c23a9cba537451 About Element79 Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0), a leading figure in the mining industry, has established itself as a pioneer in responsible mining practices. Its commitment to sustainable development and strategic acquisitions highlight Element79’s dedication to maximizing shareholder value. The company’s impressive portfolio features two flagship projects, the Lucero Property in Peru and the Maverick Springs Project in Nevada, both of which exhibit significant potential for high-grade operations. Lucero Property: The Goldmine in Peru Nestled in Arequipa, Peru, the Lucero Property is a high-grade gold and silver mine that stands as one of Element79’s flagship projects. With a rich history and immense potential for future development, Lucero is a testament to Element79’s commitment to mining excellence. Historically, the Lucero mine boasted impressive grades, with an average of 19.0g/t Au Equivalent (Au Eq) during its five years of production ending in 2005. Recent assays from underground workings in March 2023 have further validated the potential for a significant high-grade future operation. These assays yielded up to 11.7 ounces per ton of gold and 247 ounces per ton of silver, indicating a promising future for high-grade operations. https://preview.redd.it/0q3t68f27m0d1.png?width=977&format=png&auto=webp&s=a306af0e06981c02f139c2795aaf1a642beb31f2 Additional Assay Results Element79 Gold Corp. (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) unveils additional findings from its recent underground and surface sampling efforts at the Lucero property, the cornerstone of its endeavors. James Tworek, CEO of Element79, underscores the significance of these results: “This data isn’t just promising; it’s pivotal. It forms the bedrock upon which we build our future at Lucero.” Out of 97 samples analyzed, 56 returned notable gold grades, with peaks at 8.55 g/t gold and 523 g/t silver, as shown in Table 1. Additionally, high concentrations of base metals were detected, affirming the project’s richness and reinforcing the Company’s confidence in its resource potential. These assay results serve dual purposes for Element79. Firstly, they lay the groundwork for resource development and future mine planning, marking essential milestones in the project’s evaluation process. Secondly, this data will steer the Company’s 2024 drill program, informed by comprehensive 3D modeling of geology and historic mine workings. This approach aims for precision and efficiency, utilizing a wealth of data including historical records dating back to 2005, current geochemistry data, underground mapping, and geophysical surveys. Tworek emphasizes the significance of this data in guiding future exploration efforts: “It delineates areas of economic strength and directs our focus for ore extraction, leveraging both past data and current findings.” Maverick Springs Project: A Silver Lining in Nevada Another gem in Element79’s portfolio is the Maverick Springs Project, located in the renowned gold mining district of northeastern Nevada, USA. With its proximity to the prolific Carlin Trend, Maverick Springs presents an exciting opportunity for Element79. The project is a silver-rich sediment/carbonate-hosted deposit, similar to the renowned silver-rich epithermal deposits found in Nevada. https://preview.redd.it/gu96rf9e7m0d1.png?width=977&format=png&auto=webp&s=ddf97db460d7daeaad987055a24e3d1cf6c347f6 Elevating Community Relations In its ongoing commitment to community engagement, Element79 (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) orchestrated a strategic meeting with artisanal miners from Lomas Doradas. The goal? To cultivate collaborative ties, ensuring mutual support as the Company embarks on exploration efforts on surface land. Seeking exclusive agreements, Element79 aims for a unified approach to mineral extraction and sales, benefitting both parties. In a bid to solidify this partnership, Element79 proposed draft contracts. These agreements outline a decade-long surface access arrangement for exploration at the Lucero mine site, reciprocated by granting local miners access to defined locations for their operations. Additionally, Element79 pledges to facilitate optimal market pricing for Lomas Doradas’ ore, ensuring a steady revenue stream for both sides. In March, Element79’s swift response to a landslide in Chachas exemplified its dedication to community assistance. The team provided vital support, aiding in the transfer of stranded community members until roads were cleared. Embracing local traditions, Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) community relations team joined in a traditional Water Ceremony alongside local authorities and leaders. This culturally rich event, steeped in Chachas tradition, underscores the Company’s commitment to meaningful engagement and integration. Throughout the year, Element79’s engagement in social awareness remains steadfast. Site visits and consultations with annex leaders bolster community support for ongoing exploration efforts. The Company advocates for a progressive approach, aligning with sustainable development goals and community interests. Conclusion Element79’s (CSE: ELEM) (OTC: ELMGF) (FSE: 7YS0) commitment to responsible mining practices, coupled with its robust portfolio, positions it as a leader in the mining industry. The company’s dedication to sustainable development, strategic acquisitions, and community relations exemplify its commitment to maximizing shareholder value. As Element79 continues its exploration and development efforts, it remains steadfast in its commitment to responsible and sustainable mining practices. By leveraging its expertise and strategic acquisitions, Element79 is well-positioned to deliver value to its shareholders while contributing to the responsible development of the mining industry. |
2024.05.15 17:58 Zuckerbees Do y’all think Carlton Davis will be a rental at this point? Will we keep Taylor Decker?
I’m trying to think out what our future long-term deals look like, and I admit I’m not an expert on how the league handles cap space. I know we had one of the best cap situations going into 2024, and still could going into 2025, but with the deals we’re putting through now (and likely will in the next few years) I have a hard time thinking about who we keep and who we cut loose.
For context, I think the “must resign” candidates going through the Sewell/ARSB/Goff contracts are Hutch, LaPorta, Branch, and Gibbs (assuming he holds up, I know the thoughts behind RBs).
Obviously it depends how this coming season goes, but CD3 is starting to look like a rental. We have Amik for a couple years, while CD3 is set to be a free agent, plus we drafted two of the top corners in the draft. It’s hard to imagine we put that much in draft capital into the secondary and sign CD3 to a CB1 contract. I feel like he’s there to provide a veteran presence for a year and move on. I post this and ask because I’m not sure and I’m curious to hear other thoughts.
Then before the new deals this offseason, Decker was our 2nd highest paid player, he’s getting older (but probably has a few years left in the tank) and we just paid Sewell Left Tackle money and traded a 3rd to draft Gio Manu now. I’d love for him to retire a Lion, but it’s hard to imagine us giving him his likely pay bump while still resigning all of our young talent with these other big contracts coming due.
Who do you think we keep or cut?
(Note: I’m a “let Brad cook” guy but I’m not gonna let that stop me from speculating lol)
submitted by Zuckerbees to detroitlions [link] [comments]
For context, I think the “must resign” candidates going through the Sewell/ARSB/Goff contracts are Hutch, LaPorta, Branch, and Gibbs (assuming he holds up, I know the thoughts behind RBs).
Obviously it depends how this coming season goes, but CD3 is starting to look like a rental. We have Amik for a couple years, while CD3 is set to be a free agent, plus we drafted two of the top corners in the draft. It’s hard to imagine we put that much in draft capital into the secondary and sign CD3 to a CB1 contract. I feel like he’s there to provide a veteran presence for a year and move on. I post this and ask because I’m not sure and I’m curious to hear other thoughts.
Then before the new deals this offseason, Decker was our 2nd highest paid player, he’s getting older (but probably has a few years left in the tank) and we just paid Sewell Left Tackle money and traded a 3rd to draft Gio Manu now. I’d love for him to retire a Lion, but it’s hard to imagine us giving him his likely pay bump while still resigning all of our young talent with these other big contracts coming due.
Who do you think we keep or cut?
(Note: I’m a “let Brad cook” guy but I’m not gonna let that stop me from speculating lol)
2024.05.15 17:49 MasterSolutions [Hire Me] Experienced Chemistry, Biology, Anatomy, Physiology, Microbiology, Physics, Maths, Statistics, and Calculus Tutor
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submitted by MasterSolutions to homeworkhelpNY [link] [comments]
· General Chemistry I & II
· IB SL/HL Chemistry
· Organic Chemistry I & II
· Biology I & II
· Physics I & II
· Mathematics
· Calculus
· Statistics
· Microbiology
· Anatomy & Physiology
· AP/AS/IGSCE Biology, Chemistry, Physics
· MCAT Classes.
I know the course structure of many different online learning portals e.g., Blackboard, Pearson, Mastering, D2L, Canvas, Cengage, Moodle, WileyPlus, ALEKS, Sapling Learning, TVO ILC, Brightspace, CanAim, E-Learning School, Knewton Alta, StraightLine, Edmentum, and numerous other online learning platforms, and so, can teach students how to be successful on these platforms and excel in their classes.
I can help you with any topic and problem of your course including:
1. Formal Lab Reports/Virtual Labs
2. Assignment
3. Homework
4. Worksheet
5. 3D Model Projects
6. Poster assignment
7. Presentation
8. Case Studies
9. Article Review
10. Culminating Projects
11. Article Summary
12. Discussions/Reflections
13. Exam/Quiz Practice
or any other tasks related to your classes.
I can help you with your chem, bio, physics, microbiology, stats, maths, or calculus coursework and ensure you get more than 90% grades and score A+. With 4+ years of experience, I can show you my vouches, previous work samples and the grades of my previous students.
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2024.05.15 17:48 MasterSolutions [Hire Me] Experienced Chemistry, Biology, Anatomy, Physiology, Microbiology, Physics, Maths, Statistics, and Calculus Tutor
I'm an experienced science tutor and study helper with 4+ years of experience and can help you in:
· General Chemistry I & II
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· Organic Chemistry I & II
· Biology I & II
· Physics I & II
· Mathematics
· Calculus
· Statistics
· Microbiology
· Anatomy & Physiology
· AP/AS/IGSCE Biology, Chemistry, Physics
· MCAT Classes.
I know the course structure of many different online learning portals e.g., Blackboard, Pearson, Mastering, D2L, Canvas, Cengage, Moodle, WileyPlus, ALEKS, Sapling Learning, TVO ILC, Brightspace, CanAim, E-Learning School, Knewton Alta, StraightLine, Edmentum, and numerous other online learning platforms, and so, can teach students how to be successful on these platforms and excel in their classes.
I can help you with any topic and problem of your course including:
1. Formal Lab Reports/Virtual Labs
2. Assignment
3. Homework
4. Worksheet
5. 3D Model Projects
6. Poster assignment
7. Presentation
8. Case Studies
9. Article Review
10. Culminating Projects
11. Article Summary
12. Discussions/Reflections
13. Exam/Quiz Practice
or any other tasks related to your classes.
I can help you with your chem, bio, physics, microbiology, stats, maths, or calculus coursework and ensure you get more than 90% grades and score A+. With 4+ years of experience, I can show you my vouches, previous work samples and the grades of my previous students.
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submitted by MasterSolutions to Essayprowriter [link] [comments]
· General Chemistry I & II
· IB SL/HL Chemistry
· Organic Chemistry I & II
· Biology I & II
· Physics I & II
· Mathematics
· Calculus
· Statistics
· Microbiology
· Anatomy & Physiology
· AP/AS/IGSCE Biology, Chemistry, Physics
· MCAT Classes.
I know the course structure of many different online learning portals e.g., Blackboard, Pearson, Mastering, D2L, Canvas, Cengage, Moodle, WileyPlus, ALEKS, Sapling Learning, TVO ILC, Brightspace, CanAim, E-Learning School, Knewton Alta, StraightLine, Edmentum, and numerous other online learning platforms, and so, can teach students how to be successful on these platforms and excel in their classes.
I can help you with any topic and problem of your course including:
1. Formal Lab Reports/Virtual Labs
2. Assignment
3. Homework
4. Worksheet
5. 3D Model Projects
6. Poster assignment
7. Presentation
8. Case Studies
9. Article Review
10. Culminating Projects
11. Article Summary
12. Discussions/Reflections
13. Exam/Quiz Practice
or any other tasks related to your classes.
I can help you with your chem, bio, physics, microbiology, stats, maths, or calculus coursework and ensure you get more than 90% grades and score A+. With 4+ years of experience, I can show you my vouches, previous work samples and the grades of my previous students.
My rates are negotiable and my services are professional. Reach out to me via chats or add me on Discord (Seerat#1666) whenever you need my services.
2024.05.15 17:45 MasterSolutions [Hire Me] Experienced Chemistry, Biology, Anatomy, Physiology, Microbiology, Physics, Maths, Statistics, and Calculus Tutor
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I know the course structure of many different online learning portals e.g., Blackboard, Pearson, Mastering, D2L, Canvas, Cengage, Moodle, WileyPlus, ALEKS, Sapling Learning, TVO ILC, Brightspace, CanAim, E-Learning School, Knewton Alta, StraightLine, Edmentum, and numerous other online learning platforms, and so, can teach students how to be successful on these platforms and excel in their classes.
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submitted by MasterSolutions to Do_My_Homework [link] [comments]
I know the course structure of many different online learning portals e.g., Blackboard, Pearson, Mastering, D2L, Canvas, Cengage, Moodle, WileyPlus, ALEKS, Sapling Learning, TVO ILC, Brightspace, CanAim, E-Learning School, Knewton Alta, StraightLine, Edmentum, and numerous other online learning platforms, and so, can teach students how to be successful on these platforms and excel in their classes.
I can help you with any topic and problem of your course including: 1. Formal Lab Reports/Virtual Labs 2. Assignment 3. Homework 4. Worksheet 5. 3D Model Projects 6. Poster assignment 7. Presentation 8. Case Studies 9. Article Review 10. Culminating Projects 11. Article Summary 12. Discussions/Reflections 13. Exam/Quiz Practice or any other tasks related to your classes.
I can help you with your chem, bio, physics, microbiology, stats, maths, or calculus coursework and ensure you get more than 90% grades and score A+. With 4+ years of experience, I can show you my vouches, previous work samples and the grades of my previous students.
My rates are negotiable and my services are professional. Reach out to me via chats or add me on Discord (Seerat#1666) whenever you need my services.
2024.05.15 17:45 TheMoatInvestor Go Digit IPO Analysis
Business
GO Digit Insurance started in 2017 as a full stack digital insurance company with GWP ( Gross Written premium) of Rs 7240cr in FY23 ( GWP growth of 49% CAGR between FY21 to FY23). Go Digit offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance.
As of Dec '23, there were 4.33 crore customers who availed insurance at Go Digit since the inception in 2017. Go Digit is focused on simplifying insurance documentation with aim to ensure that the language of the insurance contract is understandable to all, including a 15 year old.
According to RedSeer report, Go Digit constitute 82.1%of the GWP written by digital full stack insurance players ( others Acko , Navi) making them the largest digital full stack insurance player in India. Go digit has 3.3% market share in FY23 in non- life GWP across all non- life insurers, and 6% market share among the motor insurers. Go Digit grew 37.5% in FY23 while the private non-life insurers (excluding standalone health insurers) overall grew by approximately 20.1% during the same period.
Product mix (in terms of GWP- FY23)
Motor 62.5% Health 10.5% Property & engineering 10.4% Liability 9.2% Personal accident 2.4% Others 5%
Go Digit has 6% market share in motor insurance, which is 6th largest motor insurer. Competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
https://preview.redd.it/5w4rz4jvql0d1.png?width=496&format=png&auto=webp&s=757a7d308eee61090f740997e4f50eec32156172
https://preview.redd.it/kxxtrmu0rl0d1.png?width=796&format=png&auto=webp&s=014b67866ad33890b8b4497260dd44f0f44f0152
Go Digit is present in 24 states , has relationships with 61,972 Key Distribution Partners, including approximately 58,532 POSPs ( point of sale persons- selling insurance of multiple insurance cos. ), as well as individual agents( tied to single insurance co.), corporate agents, brokers and others. Go Digit has 74 products in total.
The traditional manual underwriting processes are being disrupted by AI/ML-based risk modelling and predictive underwriting. The use of IoT and telematics is making risk analysis more efficient with the use of large data packets that can tailor personalized insurance products at flexible pricing to customers. Using AI systems that assess an application profile against large number of data points accrued from multiple sources, underwriters can gain visibility into the most relevant risk factors. Using predictive ML solutions, Go Digit is able to roll out fairly-priced quotes quickly and achieve higher profitability through their pricing strategy. Thus, AI/ ML based underwriting helps improve underwriting efficiency compared to manual traditional underwriting
Digital full stack insurance companies have been progressively gaining market share from incumbents. Go Digit GWP grew by approximately 37.5% while the private non-life insurers (excluding standalone health insurers) overall grew by 20.1% in FY23. Go Digit caters for approximately 82.1% of the GWP of the digital full stack insurance players in FY23. ( Go Digit, Acko, Navi)
Industry overview
Insurance industry
80cr Indians have access to internet, 65cr are smartphone users, 45 cr are online transactors. According to IBEF, Life insurance industry is 7,32,000 cr ( F22) in terms of GWP ( Gross Written Premium) and non-life insurance industry ( health, motor, fire, marine, others) is 2,73,060 cr (FY23), out of which health GWP is Rs 92840cr , Motor GWP is Rs 84650cr. Non- life insurance is estimated to grow at a CAGR of 15-16% till 2028. Life insurance penetration in India is 3.2% ( Japan 5.8%) and non-life penetration is 1% ( China 1.9%). Non- life insurance density (total GDPI on a per capita basis) in India is 23, for China it is 234.
Distribution mix looks like this
https://preview.redd.it/thyjaomfrl0d1.png?width=313&format=png&auto=webp&s=59d41ce433d742a95b60f2f30ce1ea38b99730c2
https://preview.redd.it/69melijhrl0d1.png?width=744&format=png&auto=webp&s=e312809d6f2dedf35637fd4a6b2ac8554d9567d8
https://preview.redd.it/gm41lerirl0d1.png?width=713&format=png&auto=webp&s=3e45d1d9564f7cda1c004eb776b1475e6d867db9
Motor insurance
The 4 Public sector insurers account for 30.2% of the Motor insurance market in Financial Year 2023 with the rest fragmented among the Private players. Among Private players, Go Digit accounted for a GWP market share of 6% FY23. In motor, competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
In FY23, as per Government sources, 54% of total vehicles plying on the Indian roads were estimated to be uninsured, indicating that the motor insurance market is still highly under-penetrated in India, figure for US is 14%
Health Insurance
In health, govt. players (New india, Oriental, United, National) control 48% of market, then Star health 14%. Private non-life insurers control 63.4% of the overall market share, rest 36.6% by public health insurers.
Operating Metrics
Distribution mix (count of each channel in graphic below)
Brokers & Web Aggregators 66% This channel includes retail brokers, corporate brokers and web aggregators.
Individual Agents and POSPs 13% This includes business written through insurance agency partners and POSP.
Corporate Agents 1% We also have partnerships with corporations, such as financial institutions and NBFCs
Motor Insurance Service Providers 1.1% partnerships with auto dealers that establish a point of sale presence for personal and commercial vehicle
Direct to Consumer 18.9% Customers looking to purchase insurance can do so directly from Go Digit website or through web aggregators.
Investment portfolio
Total AUM stands at Rs12670cr as on FY23 with an yield of 6.3% ( vs 7.1% of ICICI Lombard). AUM increased by 2.67 times from FY21 to FY23. As of FY23, Go Digit had invested in securities issued by the Indian government (which constituted 68.5% total investments), corporate bonds issued by corporates (which constituted 24.7% ), Additional Tier 1 bonds (which constituted 3.3% ), money market, AIF and mutual funds (which constituted 2.3%) and equity issued by corporates (which constituted 1.2%). 97% of assets in govt bonds or corporate bonds,with 72% of corporate bonds AAA rated.
https://preview.redd.it/j1doibnorl0d1.png?width=793&format=png&auto=webp&s=a0fec228ac389054c3f8f17ee93bae9f169c99dd
Combined ratio of GoDigit stands at 107.4% ( ICICI Lombard 103.2%, HDFC Ergo 121.2%) Combined ratio of public cos stands at 129.1%, private insurers at 105.9% Expense ratio of Go Digit stands at 40.2% ( that of ICICI Lombard at 32.1%, HDFC Ergo at 23.7%.). Loss ratio of FY23 is 67.2% vs 74% in FY21. Solvency ratio stands at 1.78 (ICICI 2.51, HDFC Ergo 1.81)
https://preview.redd.it/8hvhtslrrl0d1.png?width=648&format=png&auto=webp&s=6a5bc34442c8d91ea60c84a541c0de9eaadd2b97
ROA stands at 1.5% ( ICICI Lombard at 17%, HDFC Ergo 18.1%) Operating profit ratio stands at -1.3% ( vs 16% of ICICI Lombard, 8.4% of HDFC Ergo).
Total investment AUM growth of 50.5% from FY21 to FY23 to 12670cr. Gross Written Premium of Rs 7240cr, with 49.4% CAGR from FY21 to FY23.
Financials
https://preview.redd.it/6ld853cxrl0d1.png?width=609&format=png&auto=webp&s=ef59a75744b9b526494e72bc3ee35c1133f5017e
Underwriting loss of 66cr in FY23, reduced to 10cr as on 9M FY24. Investment income of 105cr in FY23. Profit after tax of 39cr in FY23, that of 130cr in 9M FY24. Branding/ ad expenses for FY23 account for Rs 11480cr ( 15% of GWP)
Points to consider
As per 9M FY24 PAT, P/E ratio comes at 145 as per price of Rs 272 per share, whereas P/E ratio for ICICI Lombard is at 41, Star health insurance at 37.
Dependence on motor insurance is 62.5% of GWP, which is little skewed towards one segment.
Operating losses / underwriting losses amount to Rs 66 cr for FY23, making Go Digit dependent on solely investment profits, which is the case for some players in the industry.
Combined ratio stands at 107.4%, tad higher than average of private insurers figures of 105%
AUM CAGR of 50.5% from FY21 to FY23 , which is commendable. GWP CAGR of 49.4% between FY21 and FY23. Co is growing real fast.
ROA stands at 1.5% as still in nascent stage vs ICICI Lombard of 17%
Despite being a newer player, Go Digit has garnered 6% market share in motor insurance, which makes them 6th largest motor insurer. ( ICICI Lombard at 10% ms stands 2nd)
Go Digit is a full stack digital insurance player, using AI/ ML to automate most of the insurance customers onboarded and claims underwritten, giving them cost advantage once they achieve considerable scale.
submitted by TheMoatInvestor to IndianStockMarket [link] [comments]
GO Digit Insurance started in 2017 as a full stack digital insurance company with GWP ( Gross Written premium) of Rs 7240cr in FY23 ( GWP growth of 49% CAGR between FY21 to FY23). Go Digit offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance.
As of Dec '23, there were 4.33 crore customers who availed insurance at Go Digit since the inception in 2017. Go Digit is focused on simplifying insurance documentation with aim to ensure that the language of the insurance contract is understandable to all, including a 15 year old.
According to RedSeer report, Go Digit constitute 82.1%of the GWP written by digital full stack insurance players ( others Acko , Navi) making them the largest digital full stack insurance player in India. Go digit has 3.3% market share in FY23 in non- life GWP across all non- life insurers, and 6% market share among the motor insurers. Go Digit grew 37.5% in FY23 while the private non-life insurers (excluding standalone health insurers) overall grew by approximately 20.1% during the same period.
Product mix (in terms of GWP- FY23)
Motor 62.5% Health 10.5% Property & engineering 10.4% Liability 9.2% Personal accident 2.4% Others 5%
Go Digit has 6% market share in motor insurance, which is 6th largest motor insurer. Competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
https://preview.redd.it/5w4rz4jvql0d1.png?width=496&format=png&auto=webp&s=757a7d308eee61090f740997e4f50eec32156172
https://preview.redd.it/kxxtrmu0rl0d1.png?width=796&format=png&auto=webp&s=014b67866ad33890b8b4497260dd44f0f44f0152
Go Digit is present in 24 states , has relationships with 61,972 Key Distribution Partners, including approximately 58,532 POSPs ( point of sale persons- selling insurance of multiple insurance cos. ), as well as individual agents( tied to single insurance co.), corporate agents, brokers and others. Go Digit has 74 products in total.
The traditional manual underwriting processes are being disrupted by AI/ML-based risk modelling and predictive underwriting. The use of IoT and telematics is making risk analysis more efficient with the use of large data packets that can tailor personalized insurance products at flexible pricing to customers. Using AI systems that assess an application profile against large number of data points accrued from multiple sources, underwriters can gain visibility into the most relevant risk factors. Using predictive ML solutions, Go Digit is able to roll out fairly-priced quotes quickly and achieve higher profitability through their pricing strategy. Thus, AI/ ML based underwriting helps improve underwriting efficiency compared to manual traditional underwriting
Digital full stack insurance companies have been progressively gaining market share from incumbents. Go Digit GWP grew by approximately 37.5% while the private non-life insurers (excluding standalone health insurers) overall grew by 20.1% in FY23. Go Digit caters for approximately 82.1% of the GWP of the digital full stack insurance players in FY23. ( Go Digit, Acko, Navi)
Industry overview
Insurance industry
80cr Indians have access to internet, 65cr are smartphone users, 45 cr are online transactors. According to IBEF, Life insurance industry is 7,32,000 cr ( F22) in terms of GWP ( Gross Written Premium) and non-life insurance industry ( health, motor, fire, marine, others) is 2,73,060 cr (FY23), out of which health GWP is Rs 92840cr , Motor GWP is Rs 84650cr. Non- life insurance is estimated to grow at a CAGR of 15-16% till 2028. Life insurance penetration in India is 3.2% ( Japan 5.8%) and non-life penetration is 1% ( China 1.9%). Non- life insurance density (total GDPI on a per capita basis) in India is 23, for China it is 234.
Distribution mix looks like this
https://preview.redd.it/thyjaomfrl0d1.png?width=313&format=png&auto=webp&s=59d41ce433d742a95b60f2f30ce1ea38b99730c2
https://preview.redd.it/69melijhrl0d1.png?width=744&format=png&auto=webp&s=e312809d6f2dedf35637fd4a6b2ac8554d9567d8
https://preview.redd.it/gm41lerirl0d1.png?width=713&format=png&auto=webp&s=3e45d1d9564f7cda1c004eb776b1475e6d867db9
Motor insurance
The 4 Public sector insurers account for 30.2% of the Motor insurance market in Financial Year 2023 with the rest fragmented among the Private players. Among Private players, Go Digit accounted for a GWP market share of 6% FY23. In motor, competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4%
In FY23, as per Government sources, 54% of total vehicles plying on the Indian roads were estimated to be uninsured, indicating that the motor insurance market is still highly under-penetrated in India, figure for US is 14%
Health Insurance
In health, govt. players (New india, Oriental, United, National) control 48% of market, then Star health 14%. Private non-life insurers control 63.4% of the overall market share, rest 36.6% by public health insurers.
Operating Metrics
Distribution mix (count of each channel in graphic below)
Brokers & Web Aggregators 66% This channel includes retail brokers, corporate brokers and web aggregators.
Individual Agents and POSPs 13% This includes business written through insurance agency partners and POSP.
Corporate Agents 1% We also have partnerships with corporations, such as financial institutions and NBFCs
Motor Insurance Service Providers 1.1% partnerships with auto dealers that establish a point of sale presence for personal and commercial vehicle
Direct to Consumer 18.9% Customers looking to purchase insurance can do so directly from Go Digit website or through web aggregators.
Investment portfolio
Total AUM stands at Rs12670cr as on FY23 with an yield of 6.3% ( vs 7.1% of ICICI Lombard). AUM increased by 2.67 times from FY21 to FY23. As of FY23, Go Digit had invested in securities issued by the Indian government (which constituted 68.5% total investments), corporate bonds issued by corporates (which constituted 24.7% ), Additional Tier 1 bonds (which constituted 3.3% ), money market, AIF and mutual funds (which constituted 2.3%) and equity issued by corporates (which constituted 1.2%). 97% of assets in govt bonds or corporate bonds,with 72% of corporate bonds AAA rated.
https://preview.redd.it/j1doibnorl0d1.png?width=793&format=png&auto=webp&s=a0fec228ac389054c3f8f17ee93bae9f169c99dd
Combined ratio of GoDigit stands at 107.4% ( ICICI Lombard 103.2%, HDFC Ergo 121.2%) Combined ratio of public cos stands at 129.1%, private insurers at 105.9% Expense ratio of Go Digit stands at 40.2% ( that of ICICI Lombard at 32.1%, HDFC Ergo at 23.7%.). Loss ratio of FY23 is 67.2% vs 74% in FY21. Solvency ratio stands at 1.78 (ICICI 2.51, HDFC Ergo 1.81)
https://preview.redd.it/8hvhtslrrl0d1.png?width=648&format=png&auto=webp&s=6a5bc34442c8d91ea60c84a541c0de9eaadd2b97
ROA stands at 1.5% ( ICICI Lombard at 17%, HDFC Ergo 18.1%) Operating profit ratio stands at -1.3% ( vs 16% of ICICI Lombard, 8.4% of HDFC Ergo).
Total investment AUM growth of 50.5% from FY21 to FY23 to 12670cr. Gross Written Premium of Rs 7240cr, with 49.4% CAGR from FY21 to FY23.
Financials
https://preview.redd.it/6ld853cxrl0d1.png?width=609&format=png&auto=webp&s=ef59a75744b9b526494e72bc3ee35c1133f5017e
Underwriting loss of 66cr in FY23, reduced to 10cr as on 9M FY24. Investment income of 105cr in FY23. Profit after tax of 39cr in FY23, that of 130cr in 9M FY24. Branding/ ad expenses for FY23 account for Rs 11480cr ( 15% of GWP)
Points to consider
As per 9M FY24 PAT, P/E ratio comes at 145 as per price of Rs 272 per share, whereas P/E ratio for ICICI Lombard is at 41, Star health insurance at 37.
Dependence on motor insurance is 62.5% of GWP, which is little skewed towards one segment.
Operating losses / underwriting losses amount to Rs 66 cr for FY23, making Go Digit dependent on solely investment profits, which is the case for some players in the industry.
Combined ratio stands at 107.4%, tad higher than average of private insurers figures of 105%
AUM CAGR of 50.5% from FY21 to FY23 , which is commendable. GWP CAGR of 49.4% between FY21 and FY23. Co is growing real fast.
ROA stands at 1.5% as still in nascent stage vs ICICI Lombard of 17%
Despite being a newer player, Go Digit has garnered 6% market share in motor insurance, which makes them 6th largest motor insurer. ( ICICI Lombard at 10% ms stands 2nd)
Go Digit is a full stack digital insurance player, using AI/ ML to automate most of the insurance customers onboarded and claims underwritten, giving them cost advantage once they achieve considerable scale.
2024.05.15 17:44 TheMoatInvestor Go Digit Insurance IPO Analysis
 | Business submitted by TheMoatInvestor to IndianStreetBets [link] [comments] GO Digit Insurance started in 2017 as a full stack digital insurance company with GWP ( Gross Written premium) of Rs 7240cr in FY23 ( GWP growth of 49% CAGR between FY21 to FY23). Go Digit offers motor insurance, health insurance, travel insurance, property insurance, marine insurance, liability insurance. As of Dec '23, there were 4.33 crore customers who availed insurance at Go Digit since the inception in 2017. Go Digit is focused on simplifying insurance documentation with aim to ensure that the language of the insurance contract is understandable to all, including a 15 year old. According to RedSeer report, Go Digit constitute 82.1%of the GWP written by digital full stack insurance players ( others Acko , Navi) making them the largest digital full stack insurance player in India. Go digit has 3.3% market share in FY23 in non- life GWP across all non- life insurers, and 6% market share among the motor insurers. Go Digit grew 37.5% in FY23 while the private non-life insurers (excluding standalone health insurers) overall grew by approximately 20.1% during the same period. Product mix (in terms of GWP- FY23) Motor 62.5% Health 10.5% Property & engineering 10.4% Liability 9.2% Personal accident 2.4% Others 5% Go Digit has 6% market share in motor insurance, which is 6th largest motor insurer. Competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4% https://preview.redd.it/fpb9ws0gtl0d1.png?width=496&format=png&auto=webp&s=569af34494bf32df0fd5287ef7932079f82e5526 https://preview.redd.it/usrylghhtl0d1.png?width=796&format=png&auto=webp&s=0af5890c82395a8fccc5e1da837526911b2bb031 Go Digit is present in 24 states , has relationships with 61,972 Key Distribution Partners, including approximately 58,532 POSPs ( point of sale persons- selling insurance of multiple insurance cos. ), as well as individual agents( tied to single insurance co.), corporate agents, brokers and others. Go Digit has 74 products in total. The traditional manual underwriting processes are being disrupted by AI/ML-based risk modelling and predictive underwriting. The use of IoT and telematics is making risk analysis more efficient with the use of large data packets that can tailor personalized insurance products at flexible pricing to customers. Using AI systems that assess an application profile against large number of data points accrued from multiple sources, underwriters can gain visibility into the most relevant risk factors. Using predictive ML solutions, Go Digit is able to roll out fairly-priced quotes quickly and achieve higher profitability through their pricing strategy. Thus, AI/ ML based underwriting helps improve underwriting efficiency compared to manual traditional underwriting Digital full stack insurance companies have been progressively gaining market share from incumbents. Go Digit GWP grew by approximately 37.5% while the private non-life insurers (excluding standalone health insurers) overall grew by 20.1% in FY23. Go Digit caters for approximately 82.1% of the GWP of the digital full stack insurance players in FY23. ( Go Digit, Acko, Navi) Industry overview Insurance industry 80cr Indians have access to internet, 65cr are smartphone users, 45 cr are online transactors. According to IBEF, Life insurance industry is 7,32,000 cr ( F22) in terms of GWP ( Gross Written Premium) and non-life insurance industry ( health, motor, fire, marine, others) is 2,73,060 cr (FY23), out of which health GWP is Rs 92840cr , Motor GWP is Rs 84650cr. https://preview.redd.it/o95adeaptl0d1.png?width=793&format=png&auto=webp&s=033e91aae0db0deb8dcbb378440506cdc15e8493 Non- life insurance is estimated to grow at a CAGR of 15-16% till 2028. Life insurance penetration in India is 3.2% ( Japan 5.8%) and non-life penetration is 1% ( China 1.9%). Non- life insurance density (total GDPI on a per capita basis) in India is 23, for China it is 234. Distribution mix looks like this https://preview.redd.it/x01fjpujtl0d1.png?width=313&format=png&auto=webp&s=a8365a90e6c62881c3bdade5da9649382b9b7e56 https://preview.redd.it/yduk21kmtl0d1.png?width=744&format=png&auto=webp&s=15302d2dea08c115d4ba433a9779d4f91f182c06 https://preview.redd.it/rn1d238ntl0d1.png?width=713&format=png&auto=webp&s=c5a7910dad08722822ca5a92c8451a51c95d1d2d Motor insurance The 4 Public sector insurers account for 30.2% of the Motor insurance market in Financial Year 2023 with the rest fragmented among the Private players. Among Private players, Go Digit accounted for a GWP market share of 6% FY23. In motor, competitors New India has 12.2%, ICICI Lombard has 10.1%, Tata AIG 8.1%, United 7.3%, Bajaj Allianz 6.4% In FY23, as per Government sources, 54% of total vehicles plying on the Indian roads were estimated to be uninsured, indicating that the motor insurance market is still highly under-penetrated in India, figure for US is 14% Health Insurance In health, govt. players (New india, Oriental, United, National) control 48% of market, then Star health 14%. Private non-life insurers control 63.4% of the overall market share, rest 36.6% by public health insurers. Operating Metrics Distribution mix (count of each channel in graphic below) Brokers & Web Aggregators 66% This channel includes retail brokers, corporate brokers and web aggregators. Individual Agents and POSPs 13% This includes business written through insurance agency partners and POSP. Corporate Agents 1% We also have partnerships with corporations, such as financial institutions and NBFCs Motor Insurance Service Providers 1.1% partnerships with auto dealers that establish a point of sale presence for personal and commercial vehicle Direct to Consumer 18.9% Customers looking to purchase insurance can do so directly from Go Digit website or through web aggregators. Investment portfolio Total AUM stands at Rs12670cr as on FY23 with an yield of 6.3% ( vs 7.1% of ICICI Lombard). AUM increased by 2.67 times from FY21 to FY23. As of FY23, Go Digit had invested in securities issued by the Indian government (which constituted 68.5% total investments), corporate bonds issued by corporates (which constituted 24.7% ), Additional Tier 1 bonds (which constituted 3.3% ), money market, AIF and mutual funds (which constituted 2.3%) and equity issued by corporates (which constituted 1.2%). 97% of assets in govt bonds or corporate bonds,with 72% of corporate bonds AAA rated. https://preview.redd.it/o95adeaptl0d1.png?width=793&format=png&auto=webp&s=033e91aae0db0deb8dcbb378440506cdc15e8493 Combined ratio of GoDigit stands at 107.4% ( ICICI Lombard 103.2%, HDFC Ergo 121.2%) Combined ratio of public cos stands at 129.1%, private insurers at 105.9% Expense ratio of Go Digit stands at 40.2% ( that of ICICI Lombard at 32.1%, HDFC Ergo at 23.7%.). Loss ratio of FY23 is 67.2% vs 74% in FY21. Solvency ratio stands at 1.78 (ICICI 2.51, HDFC Ergo 1.81) https://preview.redd.it/sw48kw6rtl0d1.png?width=648&format=png&auto=webp&s=dddb8423ad3da1e602ba011109a0d3251fa0a134 ROA stands at 1.5% ( ICICI Lombard at 17%, HDFC Ergo 18.1%) Operating profit ratio stands at -1.3% ( vs 16% of ICICI Lombard, 8.4% of HDFC Ergo). Total investment AUM growth of 50.5% from FY21 to FY23 to 12670cr. Gross Written Premium of Rs 7240cr, with 49.4% CAGR from FY21 to FY23. Financials https://preview.redd.it/0ptw17lstl0d1.png?width=609&format=png&auto=webp&s=96808ccd80051fabac413327550f7d99a771a18a Underwriting loss of 66cr in FY23, reduced to 10cr as on 9M FY24. Investment income of 105cr in FY23. Profit after tax of 39cr in FY23, that of 130cr in 9M FY24. Branding/ ad expenses for FY23 account for Rs 11480cr ( 15% of GWP) Points to consider As per 9M FY24 PAT, P/E ratio comes at 145 as per price of Rs 272 per share, whereas P/E ratio for ICICI Lombard is at 41, Star health insurance at 37. Dependence on motor insurance is 62.5% of GWP, which is little skewed towards one segment.Operating losses / underwriting losses amount to Rs 66 cr for FY23, making Go Digit dependent on solely investment profits, which is the case for some players in the industry. Combined ratio stands at 107.4%, tad higher than average of private insurers figures of 105% AUM CAGR of 50.5% from FY21 to FY23 , which is commendable. GWP CAGR of 49.4% between FY21 and FY23. Co is growing real fast. ROA stands at 1.5% as still in nascent stage vs ICICI Lombard of 17% Despite being a newer player, Go Digit has garnered 6% market share in motor insurance, which makes them 6th largest motor insurer. ( ICICI Lombard at 10% ms stands 2nd) Go Digit is a full stack digital insurance player, using AI/ ML to automate most of the insurance customers onboarded and claims underwritten, giving them cost advantage once they achieve considerable scale. |
2024.05.15 17:43 SouthImpression3577 WAMC -4th round
I swear to God I'm going to pull my hair out
Overall/Science GPA: 3.15/ 2.97
Masters Overall/science GPA: 3.6/3.6
Last quarter of overall/science GPA: 3.51/3.51
Last half of overall/science GPA: 3.35/3.23
Bio-Chem-Physics GPA: 3.10
DAT score (include AA and all sections): All 20s
State of Residence: Michigan
Undergrad Attended: Detroit Mercy
Major: Bio
Minority? ORM mixed/ NO
Reapplicant? 4th time
Masters attended: Oakland University
Masters of arts in bio
Dental Experience: 100 hours between two dentists, 250 between 3 different NPOs as volunteer dental assistant. (350 hours total)
Volunteering Experience: Roughly 120 hours volunteering in a NPO and a local church for food drives.
Employment: Worked at golf course for 1000+ hours, worked as a park rangeguard for ~300 hours, starting new job as a specimen processor.
Research: None
Other Extracurriculars: none
Have you volunteered/shadowed/attended events at any dental schools? Interviewed at Midwestern-ill
LOR type and strength: Strong grad letter, moderate dental letter, strong undergrad letter, an old committee letter
Personal statement has been considered strong.
Criticisms:
Colorado: needed more dental experience, quoted 350 hours. Everything else was liked.
Status- Acquired, obtaining more
Nevada: Need more recent dental experience, less than a year old. Everything else was liked.
Status- Already accomplished, they just misread my app, obtaining more experience
Detroit: Grades suck, masters is questionable due to being 2 classes a semester not 3.
Status- yep. Dunno how to respond other than saying the school recommended 2 classes at a time.
School list:
Midwest-ill (interviewed last cycle)
New england (3rd time)
AT Ari
AT Miss (2nd)
Lincoln
Nova SE (2nd)
Roseman (2nd)
Touro (2nd)
Colorado (2nd)
Detroit (3rd time applying)
Louisville (3rd time applying)
Edit: link to my vent months ago. Some of this stuff I was able to incorporate into my PS without sounding pitiful. https://www.reddit.com/predental/s/mD7VcCmV5h
submitted by SouthImpression3577 to predental [link] [comments]
Overall/Science GPA: 3.15/ 2.97
Masters Overall/science GPA: 3.6/3.6
Last quarter of overall/science GPA: 3.51/3.51
Last half of overall/science GPA: 3.35/3.23
Bio-Chem-Physics GPA: 3.10
DAT score (include AA and all sections): All 20s
State of Residence: Michigan
Undergrad Attended: Detroit Mercy
Major: Bio
Minority? ORM mixed/ NO
Reapplicant? 4th time
Masters attended: Oakland University
Masters of arts in bio
Dental Experience: 100 hours between two dentists, 250 between 3 different NPOs as volunteer dental assistant. (350 hours total)
Volunteering Experience: Roughly 120 hours volunteering in a NPO and a local church for food drives.
Employment: Worked at golf course for 1000+ hours, worked as a park rangeguard for ~300 hours, starting new job as a specimen processor.
Research: None
Other Extracurriculars: none
Have you volunteered/shadowed/attended events at any dental schools? Interviewed at Midwestern-ill
LOR type and strength: Strong grad letter, moderate dental letter, strong undergrad letter, an old committee letter
Personal statement has been considered strong.
Criticisms:
Colorado: needed more dental experience, quoted 350 hours. Everything else was liked.
Status- Acquired, obtaining more
Nevada: Need more recent dental experience, less than a year old. Everything else was liked.
Status- Already accomplished, they just misread my app, obtaining more experience
Detroit: Grades suck, masters is questionable due to being 2 classes a semester not 3.
Status- yep. Dunno how to respond other than saying the school recommended 2 classes at a time.
School list:
Midwest-ill (interviewed last cycle)
New england (3rd time)
AT Ari
AT Miss (2nd)
Lincoln
Nova SE (2nd)
Roseman (2nd)
Touro (2nd)
Colorado (2nd)
Detroit (3rd time applying)
Louisville (3rd time applying)
Edit: link to my vent months ago. Some of this stuff I was able to incorporate into my PS without sounding pitiful. https://www.reddit.com/predental/s/mD7VcCmV5h
2024.05.15 17:43 Rare-Square-272 One and Done Quick Re-Test
 | Sat on hands through the chop after the CPI move. Waited for price to approach the support area and waited for a double bottom on the Higher Time Frame chart. Nailed the re-test entry on the Lower Time Frame. Targeted 25 points (100 ticks). Need to learn to stay in winners longer but 25 points is still nice. Later on when I've scaled to 2 NQ contracts, I'll close 1 contract at first resistance, then let the 2nd contract trail on each swing low with Stop Loss moved to break even submitted by Rare-Square-272 to FuturesTrading [link] [comments] Was getting FOMO after exiting the trade but I didn't want to enter midway through the move and looking to the left, we could've turned around at any point. I guess there was another re-test entry breaking over the High of the Day / CPI move, I just wasn't watching. https://preview.redd.it/kb376p2x1m0d1.png?width=1915&format=png&auto=webp&s=de0b31d7579b7ce60998d6ee143a2834b048a5a9 |
2024.05.15 17:42 MasterSolutions [Hire Me] Experienced Chemistry, Biology, Anatomy, Physiology, Microbiology, Physics, Maths, Statistics, and Calculus Tutor
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submitted by MasterSolutions to ExamHelpers_Tutoring [link] [comments]
· General Chemistry I & II
· IB SL/HL Chemistry
· Organic Chemistry I & II
· Biology I & II
· Physics I & II
· Mathematics
· Calculus
· Statistics
· Microbiology
· Anatomy & Physiology
· AP/AS/IGSCE Biology, Chemistry, Physics
· MCAT Classes.
I know the course structure of many different online learning portals e.g., Blackboard, Pearson, Mastering, D2L, Canvas, Cengage, Moodle, WileyPlus, ALEKS, Sapling Learning, TVO ILC, Brightspace, CanAim, E-Learning School, Knewton Alta, StraightLine, Edmentum, and numerous other online learning platforms, and so, can teach students how to be successful on these platforms and excel in their classes.
I can help you with any topic and problem of your course including:
1. Formal Lab Reports/Virtual Labs
2. Assignment
3. Homework
4. Worksheet
5. 3D Model Projects
6. Poster assignment
7. Presentation
8. Case Studies
9. Article Review
10. Culminating Projects
11. Article Summary
12. Discussions/Reflections
13. Exam/Quiz Practice
or any other tasks related to your classes.
I can help you with your chem, bio, physics, microbiology, stats, maths, or calculus coursework and ensure you get more than 90% grades and score A+. With 4+ years of experience, I can show you my vouches, previous work samples and the grades of my previous students.
My rates are negotiable and my services are professional. Reach out to me via chats or add me on Discord (Seerat#1666) whenever you need my services.