Hey everyone!
Welp, since I needed to replace my glasses this year, I crossed my fingers and hoped I didn't need to use dental benefits and didn't sign up for dental insurance.
And now I need a tooth extracted. 🙃
I've set up an appointment with Aspen Dental, but does anyone have any different recommendations or any reviews if you've been to Aspen?

So embarrassed. I hate being like this and wish I were normal.
For context: I've had agoraphobia for years but it had generally improved, I got diagnosed and prescribed propanolol for the symptoms and after slow exposure I could generally live my daily life without panic attacks. But this year my agoraphobia relapsed and got the worst it's ever been at the worst possible time, aka exam season and I flunked my way through all my assignments and exams. God it was awful. I holed myself up in my room, just trying to exit my room and go down the stairs would have me hyperventilating, struggling to breathe/talk, scared for literally no reason. Crying uncontrollably. Shaking, heart jumping out my chest, unable to do even basic things. My brain was just fog and fear.
I just isolated myself, couldn't exit my room without crazy panic symptoms, just laid in bed feeling like shit. Whenever I tried studying, I wouldn't be able to process any of the info. Eventually it got so close to the deadlines and exams I knew I was fucked so just the act of trying to study would make me anxious and make my heart race too. Was too late to request assignment extensions so submitted everything late. Flopped the exams. Now I'm pretty sure I failed everything. And I felt like crap for it.
I contacted uni support staff afterwards and spoke to a nice lady who was very kind and understanding, obviously hearing from loads of students, and she helped me to submit a extenuating circumstances form for the board of examiners to review. I did that, but hadn't contacted my actual department at all. Why? idk. It's just hard to talk about it. and the longer I put it off the more anxious I felt about telling them.
All students have meetings with their advisors at this point in the year, so I thought ok I'll finally tell my advisor about my situation. Mentally prepared myself, planned what I was gonna say, explain how my panic disorder worsened and how it affected my studies, ask for advice etc.
Start call
Advisor: Hey, InternationalLead847. How are you? Are you ok?
I found myself immediately choking up and fsr could not bring myself to answer. Giving the generic "im ok" was suddenly so hard. But i also could not get the words out of my mouth to say no I'm not ok. So I just spent like a minute going "um.. ah.. well.. um. I'm..cliving.." and that confused him and when I tried to speak, I just started ugly crying and couldn't say anything. You know when you're sobbing and can't speak and you're just choking on your words. Yeah it was that. And my advisor obviously did not expect this and was just awkwardly asking me what's up and saying he couldn't really hear me. At some point I gave up speaking and asked to type. He seemed pretty taken aback til the end even though he did try to speak considerately but you know old computer science professors tend to not be the most equipped to deal with mental health. Gave me the department lead's email address and told me not to be so hard on myself.
I felt mortified after I hung up. Even when my condition is bad I feel like generally I can still pretend to be okay in front of others and talk normally. But when it comes to talking about my condition itself, I just immediately break down.
I feel so powerless whenever I start having a panic attack. It feels like such a dumb and ridiculous reaction, I don't even know what I'm scared of or panicking about but I just do.
I wish I could be normal. I feel so alone and so useless

When choosing an emergency plumber in Carlingford or near you, you should consider the things illustrated in this guide.
Choosing the right emergency plumber in Carlingford will ensure you get quality services at the right price. Some people might say it is just a coincidence but emergencies with your plumbing system seem to happen when you have limited options for plumbers – such as at night, on holidays and at weekends. Or maybe, you are new to the area and have not found a good plumber to work with.That is where emergency plumbers come in. They are available to provide services throughout and even on holidays and weekends. They charge higher rates than regular plumbers but they shouldn’t be exorbitant. The plumber you choose to work with should have the same qualifications as any other type of contractor you would choose for other services. Here are a few important things you should consider when choosing an emergency plumber.
Local is better
It is better to hire a local plumber as with any other home contractors – not just for the reputation and connections but also because it is easy to find them. Depending on the nature of your emergency, response time can be an important factor. The closer he is, the more likely he is to be successful in providing services, especially if the situation involved contaminated or uncontrolled water. A lot of plumbers also add fuel or mileage charges to their bills and that is money you should not spend.
Reviews and references
It is crucial to have a sense of the experience of an emergency plumber nearby and past success. It is also important to ask family and friends for recommendations. However, you should keep in mind that emergencies do not always occur when people are available to chat.You can get reviews on social media sites such as Facebook and Google. Various government-approved entities can provide authoritative recommendations.
Insurance and license
You need to hire a plumber who is insured and licensed. Hiring someone who is not insured and licensed will turn your emergency into a disaster. You could also incur costly liability.
Get upfront quotes
It is important to compare plumber fees from a local directory or business website but it is not enough. After choosing a plumber, you should let them look at the situation and provide written quotes that itemise all parts of the job. The quotes are your assurance that any additional costs will not show up later as a surprise.
Warranties and guaranteed work
Emergency plumbers are a valuable asset to you. However, even if you choose the best plumber in your area, things can still go wrong. That is why you should choose a plumber who warranty and guarantee his work. They should come back to your home and fix anything that has gone wrong.
Communication
When choosing an emergency plumber in Carlingford, it is crucial to consider communication. The plumber should be available when you call them. They should reply to your text messages and emails on time. This way, you will rest stress-free knowing that someone has got your back.

I’m a mid/senior level engineer who’s worked as a contractor mostly on data heavy stuff with Python (a lot of data engg/science/analysis). I’ve worked on multiple SDLC aspects and a fair bit on the more ‘human’ side of things (collaboration, req analysis, code standards & review etc) that might be expected from ,say, a staff engineer.
My career strategy so far has been to learn as many different implementations of the tech I work with as I can on the data side of things across as many industries (Ex: energy, telecom, health insurance etc) as I can - I think of it as practice drills to make me a better generalist. I’m at a stage in life where I want to apply this generalist-ness I’ve gained to a specific industry (in my case, financial services) and specialise in a sense, with the thesis being that specialisation builds harder to acquire skills and therefore pays better.
The obvious advice here would be to get a job in the industry I want and keep rotating between IC and tech lead roles, which would theoretically lead to better pay over time. I’d like to be proactive though and work on strategies to make myself more attractive to employers in this industry (Ex: attending industry specific conferences to figure out what tech is out there).
Engineers who’ve specialised or ‘stuck’ to a specific industry, what advice/approach would you have for someone wanting to pro-actively go about this ?

Renting a warehouse can be a profitable venture for businesses looking to optimize their supply chain operations. It offers several benefits such as increased storage capacity, flexibility, and cost savings compared to owning a warehouse. However, there are complexities and considerations that need to be taken into account. Let's explore the profitability of renting a warehouse and delve into the benefits and complexities of this business.
✅ Benefits of Renting a Warehouse:
✔ Increased Storage Capacity: Renting a warehouse allows businesses to access additional storage space without the upfront costs associated with building or buying a facility. This enables them to accommodate inventory growth, seasonal fluctuations, and expanding product lines.
✔ Flexibility and Scalability: Renting a warehouse offers flexibility in terms of location and size. Businesses can choose a warehouse that is strategically located to serve their target market efficiently. Additionally, they can easily adjust the size of the warehouse based on changing business needs without being tied to a long-term commitment.
✔ Cost Savings: Renting a warehouse eliminates the need for significant upfront investment and ongoing expenses related to maintenance, property taxes, and insurance. It allows businesses to allocate their capital to other critical areas of their operations.
✔ Access to Infrastructure and Amenities: Many rented warehouses come equipped with essential infrastructure such as loading docks, security systems, and climate control. These amenities can enhance operational efficiency and ensure the safety and integrity of stored goods.
✴ Complexities of Renting a Warehouse
🔸 Lease Agreements and Terms: Negotiating lease agreements and understanding the terms and conditions can be complex. Businesses must carefully review the lease contract, considering factors such as lease duration, rental rates, maintenance responsibilities, and potential penalties.
🔸 Operational Considerations: Renting a warehouse requires businesses to manage day-to-day operations efficiently. This includes optimizing inventory management, implementing effective warehouse layout and organization, ensuring proper security measures, and complying with regulatory requirements.
🔸 Dependency on Landlords: Businesses are reliant on the responsiveness and reliability of the warehouse landlords. Any delays or issues from the landlord's end can impact operations and customer satisfaction.
🔸 Competitive Market: The demand for warehouse space can vary, and businesses may face competition when seeking suitable rental properties in desirable locations. It is essential to conduct thorough market research and act promptly to secure the most advantageous warehouse space.
#WarehouseRenting #SupplyChainManagement #Logistics #OperationalEfficiency #supplychain #warehouses #warehouse #business #management #logistics #warehousemanagement #supplychain #WarehouseRentals #LogisticsSpace #CompetitiveMarket
You can follow us:
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Quora : Supply Chain Education
Telegram (For Daily Concepts and Weekly News Digest) : Supply Chain Education

Company Name	Title	City
Tyson Foods	Enterprise Plant - Machine Operator PR04 - 2nd Shift Enid, OK	Enid
My Dentist	Dental Hygienist	Muskogee
Quail Springs Dental Care	Dental Hygienist	Norman
Aveanna Healthcare	Aveanna Healthcare Private Duty Nurse RN	Norman
Green Bay Packaging, Inc.	DCS Engineer	Okay
Quail Springs Dental Care	Hygiene Assistant	Oklahoma City
Aveanna Healthcare	Private Nurse	Pryor
Dental Care of Sapulpa	Dental Hygienist	Sapulpa
Family Dentistry of Yukon	Dental Hygienist	Yukon
Jubilee Dental & Braces - a Benevis company	Dentist - Unlimited Earning Potential	Chattanooga
Comma Insurance	Insurance Advisor	Edmond
Jubilee Dental & Braces - a Benevis company	Dentist - Unlimited Earning Potential	Grandfield
Jubilee Dental & Braces - a Benevis company	Dentist	Grandfield
Jubilee Dental & Braces - a Benevis company	DMD	Grandfield
Medical Resource Group, Inc.	Nurse Practitioner or Physician Assistant - Oklahoma	Lawton
Comma Insurance	Annuity Counselor	Oklahoma City
AllianceHealth Ponca City	AllianceHealth Ponca City Seeks to Employ Family Medicine Physician - 90 Miles Nof OKC!	Ponca City
Physician's Employment	Family Practice	Tulsa
AllianceHealth Woodward	Employed Family Medicine Opportunity with AllianceHealth Northwest of OklahomaCity!	Woodward
Twin Cities Ready Mix	Immediate Openings Diesel AC Mechanic Tulsa	Broken Arrow
Boddle Learning, Inc.	Immediate Openings Senior Software Architect Tulsa	Broken Arrow
Wright's Heat & Air	Immediate Openings SheetmetalINSTALLERS Tulsa	Broken Arrow
The Muscogee Nation	Immediate Openings DIRECTOR Okmulgee	Henryetta
The Muscogee Nation	Immediate Openings HVAC ASSISTANT II Okmulgee	Henryetta
The Muscogee Nation	Immediate Openings DIRECTOR OF BROADBAND AND NETWORK DEVELOPMENT Okmulgee	Henryetta

Hey guys, here are some recent job openings , feel free to comment here if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!

When faced with plumbing issues, finding a reliable and affordable plumber becomes a top priority. Homeowners and businesses in Westerville, Ohio, can rely on the expertise of Westerville Plumbers to address their plumbing needs promptly and efficiently. In this article, we will provide you with essential tips on how to find affordable plumbing services in Westerville, OH, ensuring that you receive top-quality services without breaking the bank.
Research Local Plumbing Companies
Start your search for affordable plumbing services (https://westerville.affordableplumbinghq.com/) by researching local plumbing companies in Westerville, OH. Take advantage of online resources and directories to compile a list of reputable plumbers in your area. Check their websites, read customer reviews, and assess their qualifications and experience. Westerville Plumbers, for instance, offers comprehensive plumbing services, with many years of experience and knowledge.
Seek Recommendations
Word-of-mouth recommendations can be invaluable when it comes to finding affordable plumbing services. Ask your friends, family, and neighbors if they have had positive experiences with any plumbers in Westerville. Their personal experiences and feedback can help you narrow down your choices and find a reliable plumber who offers affordable services.
Compare Quotes
Once you have shortlisted a few potential plumbing services, reach out to them and request quotes for the specific plumbing issue you are facing. Be as detailed as possible in describing the problem to ensure accurate quotes. Comparing quotes from different plumbers will give you a clear idea of the pricing variations and help you find the most affordable option that meets your requirements. Westerville Plumbers offers transparent pricing and ensures that customers are aware of the costs involved upfront.
Inquire About Discounts and Special Offers
Don't hesitate to inquire about any ongoing discounts or special offers that plumbing companies may have. Many plumbers in Westerville (https://westerville-plumbing.s3.amazonaws.com/affordable-plumbing-services-westerville) provide promotional deals or seasonal discounts to attract customers. Keep an eye out for such offers as they can significantly reduce your plumbing costs without compromising on the quality of service. Westerville Plumbers occasionally offers special discounts on specific services, so be sure to check their website or give them a call to see if you can take advantage of any current promotions.
Check for Licensing and Insurance
Ensure that any plumbing company you consider is properly licensed and insured. Licensed plumbers have undergone the necessary training and have the required skills to handle various plumbing tasks. Insurance coverage protects both you and the plumber in case of accidents or damages during the job. Westerville Plumbers is fully licensed and insured, giving you peace of mind knowing that you are working with a reputable and reliable service provider.
Ask About Warranty
Reliable plumbing companies stand behind their work by offering warranties on their services. Inquire about the warranty policy of the plumbing service you are considering. A warranty ensures that if any issues arise after the completion of the job, the plumber will rectify them without any additional cost. Westerville Plumbers takes pride in its workmanship and offers warranties on specific plumbing services, assuring you of their commitment to customer satisfaction.
Find a Reputable and Affordable Plumbing Service
Finding affordable plumbing services in Westerville, OH, doesn't have to be a daunting task. By following these tips, you can locate a reputable and affordable plumber like Westerville Plumbers (https://westervilleplumbers.com/) who will address your plumbing needs effectively while staying within your bud

In today's fast-paced world, managing one's wealth has become an essential aspect of financial success. Whether you are an individual, a family, or a business owner, effective Wealth management strategies can help you grow and preserve your assets, achieve your financial goals, and secure a prosperous future. In this article, we will explore the key concepts and professionals involved in wealth management, including private wealth managers, wealth management consultants, financial planners, and family offices.
Understanding Wealth Management:
Wealth management refers to the comprehensive management of an individual's financial resources, including investments, estate planning, tax optimization, risk management, and philanthropic endeavours. Its primary objective is to preserve and grow wealth while minimising risks and maximising returns. A well-structured wealth management plan takes into account an individual's unique financial circumstances, goals, and risk tolerance.
Private Wealth Management:
Private wealth management caters to high-net-worth individuals and families who require personalised financial services and investment strategies. Private wealth managers are professionals who work closely with their clients to understand their specific financial goals, risk appetite, and family dynamics. They provide tailored solutions that encompass investment management, retirement planning, estate planning, tax optimization, and intergenerational wealth transfer. Private wealth managers aim to build long-term relationships with their clients, offering a holistic approach to wealth management that addresses both immediate needs and future aspirations.
Wealth Management Consultants:
Wealth management consultants provide specialised expertise and advice to individuals, families, and businesses seeking guidance on wealth management consultants strategies. These consultants have in-depth knowledge of financial markets, investment products, and wealth preservation techniques. They collaborate with clients and their existing financial advisors to develop comprehensive wealth management plans. Wealth management consultants assess the client's financial situation, provide objective analysis, and offer recommendations to optimize wealth growth and protect assets. They play a crucial role in helping clients navigate complex financial landscapes and make informed decisions.
Financial Planners:
Financial planners are professionals who assist individuals and families in creating and implementing financial plans to achieve their short-term and long-term goals. They evaluate a client's current financial situation, including income, expenses, assets, and liabilities, and develop personalised strategies to enhance their financial well-being. Financial planners provide guidance on various aspects of financial planning, such as budgeting, investment management, retirement planning, insurance coverage, and tax planning. By analyzing different scenarios and projections, financial planners help clients make informed decisions and stay on track toward their financial objectives.
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👉 FOMC next week
👉 Here's a chronological summary of every Fed speaker's comments since their last meeting in May
👉 A PDF version that's a bit easier to read is available here: Google Drive
👉 Here we go...
Harker (Neutral) 2023-6-1 T-7: My preference is for skipping a rate hike, it's prudent to skip a rate hike in June, let's skip and see how it goes, we are close to the place where we can hold rates in place, sees promising signs that the Fed's rate hikes are working, disinflation is disappointingly slow, if inflation started coming down unexpectedly fast then we could cut rates but that is not my forecast, sees 2023 GDP growth below 1% and unemployment at 4.4%, expects inflation to fall to around 3.5% this year and 2.5% next year with 2% in 2025.
Bullard (Hawk) 2023-6-1 T-7: Rates are at the low end of what is arguably sufficiently restrictive, monetary policy landscape in much better shape today with the FFR at a more appropriate level than it was a year ago.
Bowman (Neutral) 2023-5-31 T-8: Residential real estate appears to be rebounding with implications for the Fed's inflation battle, while lower rents will eventually be reflected in inflation data home prices themselves are levelling out.
Collins (Neutral) 2023-5-31 T-8: Inflation is simply too high, the Fed is intent on reducing inflation.
Harker (Neutral) 2023-5-31 T-8: I am in the camp that we can skip a meeting, it would be a skip and not a pause, a pause says you may hold there for a while and I don't know that we're ready for that yet, data still to come may change my mind, need some slowing in the labour market, the economy keeps chugging along, not seeing much of a credit crunch after SVB.
Jefferson (Neutral) 2023-5-31 T-8: Skipping a rate increase at the coming meeting would allow us to see more data before deciding on the extent of additional tightening, holding rates constant should not be taken to mean rates have reached a peak for this tightening cycle, inflation remains too high but some measures have been slowing, monetary policy works with a lag and a year is not long enough to feel the full effect, base case outlook is not for a recession.
Mester (Hawk) 2023-5-31 T-8: No compelling reason to wait on rate hikes, more of a compelling case for bringing rates up and then holding for a while, decision could still be swayed by NFP and the next inflation report.
Barkin (Neutral) 2023-5-30 T-9: There is uncertainty around where rates need to go, it would be shocking if rates fell again to zero in a future recession, hopes that rates can stat at a "neutral, normal" level for some time, seeing evidence that rate hikes are curbing demand, CRE strain appears focused in B and C quality office buildings in downtown areas and not the entire sector.
Goolsbee (Neutral) 2023-5-28 T-11: Trying to make it a point not to prejudge and make decision when we're still weeks out from the next FOMC meeting, we are going to get a lot of important data between now and then.
Mester (Hawk) 2023-5-26 T-13: Everything is on the table for June, still more data to see ahead of the June meeting, doesn't know exactly how tight monetary policy is right now, does think they will have to tighten "a bit more", important not to under-tighten, the Fed has made slow progress on inflation and that's concerning, may have to revise up her inflation projections in the June SEP, hasn't seen much sign that banking stress is affecting credit conditions.
Barkin (Neutral) 2023-5-25 T-14: Demand is definitely cooling in part because it was overstimulated during the pandemic, rate hikes are also helping to reduce demand, some businesses are still saying they need to raise prices, the labour market is quite tight.
Collins (Neutral) 2023-5-25 T-14: The Fed may be at or near a time to pause rate hikes, a pause would give the Fed space to measure impact, inflation is too high but there are promising signs of moderation, banking sector likely to weigh on demand.
Bostic (Neutral) 2023-5-24 T-15: Best case scenario is the Fed will not consider a rate cut well into 2024, will base rate decisions on data, does not want to be locked into a pre-determined path, expects to see stress in the jobs market when inflation is falling towards the target.
Waller (Hawk) 2023-5-24 T-15: Does not expect data in the next couple of months to make it clear the terminal interest rate has been reached, does not support stopping hikes unless there is clear evidence that inflation is moving down to 2% target, prudent risk management may suggest skipping a hike in June and leaning towards July, need to maintain flexibility for June meeting, concerned about the lack of progress on inflation, a rebound in housing market is raising questions about how sustained lower rent increases will be, doesn't like that we have MBS on the balance sheet, there are good yield curve inversions and that may be what we have now, a good inversion is when it suggests inflation will come down.
Logan (Neutral) 2023-5-23 T-16: Backstop should be available whenever banks need it including nights, weekends or holidays.
Barkin (Neutral) 2023-5-22 T-17: Will not prejudge June meeting outcome, still looking to be convinced inflation is in a steady decline, the Fed would have to think hard about the design of a CBDC if Congress did authorize it.
Bostic (Neutral) 2023-5-22 T-17: Comfortable waiting a little bit to see how the economy plays out, will take decisions one meeting at a time and let things play out.
Daly (Neutral) 2023-5-22 T-17: Prudent to refrain from commenting on Fed policy action, declined to say what the Fed should do at the June meeting, wants to see if policy tightening is affecting the economy, still a lot of data before June meeting, tighter credit conditions may be like 1-2 rate hikes, would be historical anomaly to get 2% inflation with sub-4% unemployment, seems reasonable to see unemployment to go above 4%.
Bullard (Hawk) 2023-5-22 T-17: The Fed will have to go higher this year by perhaps 50 bps, the September dot plot was based on slow growth and inflation improvements that have not occurred, core measures of inflation have not changed much in recent months, the Fed should err on the side of doing more, recession arguments are overstated, base case remains relatively slow growth for the rest of the year and into 2024.
Kashkari (Hawk) 2023-5-22 T-17: It's a close call whether to raise or pause in June, it may be that we have to go north of 6% but that isn't clear yet, not seeing evidence that banking stress is doing the Fed's job on inflation, services inflation seems "pretty darn entrenched", it is way too early to declare the all clear on banking problems.
Kashkari (Hawk) 2023-5-21 T-18: Open to the idea of moving a little bit more slowly on rate hikes, would object to any kind of declaration that we're done, if the committee chooses to skip a meeting to get more information that could make sense, a skip to get more information is very different than saying we're done.
Powell (Neutral) 2023-5-19 T-20: Has not made any decision on whether rates are sufficiently restrictive, the risks of doing too much or too little are becoming more balanced, we haven't made any decisions yet about the extent to which additional policy firming will be appropriate, inflation is far above the Fed's objective, we are strongly committed to returning to 2% goal, policy rate may not have to rise as far as otherwise due to tightening bank credit conditions, positive supply shocks during globalization probably did help keep inflation low but are unlikely to be repeated, the banking system is strong and resilient, our guidance today is limited to factors that go into policy decision.
Williams (Neutral) 2023-5-19 T-20: New work has shown even with pandemic the natural interest rate remains low, pandemic impact on the natural rate has proven modest.
Barr (Neutral) 2023-5-18 T-21: No inherent conflict between monetary policy and supervision by the Fed.
Collins (Neutral) 2023-5-18 T-21: Falling minority unemployment rates are promising for the economy.
Jefferson (Neutral) 2023-5-18 T-21: A year is not long enough to feel the full effect of interest rate hikes so far, inflation is too high, growth has slowed considerably but outlook is not for a recession, evidence so far points to only a modest incremental tightening of credit conditions to recent bank stress, uncertain how tighter credit will influence household and business spending.
Logan (Neutral) 2023-5-18 T-21: Data at this time does not support skipping a rate hike at the June meeting, incoming data could yet show that it is appropriate to skip a meeting, it is a long way from here to 2% inflation, concerned about whether inflation is falling fast enough, recognizes arguments against tightening policy too much or too fast, effect of banking stress is comparable to a 25-50 bps rate increase.
Bullard (Hawk) 2023-5-18 T-21: Leaning towards a June hike but keeping an open mind, higher rates are insurance against inflation, rates are at the low end of sufficiently restrictive with the top seen above 6%, better and more prudent to be in the middle of the zone, fall in treasury yields is offsetting banking sector tightening.
Barkin (Neutral) 2023-5-16 T-23: I like the optionality implied in the statement, comfortable with more hikes if this is what's needed, businesses are reluctant to let staff go, deposit flows are stable at the banks in my district, the number one lesson from the 1970s is don't quit too soon.
Barr (Neutral) 2023-5-16 T-23: We are carefully looking at commercial real estate risk.
Bostic (Neutral) 2023-5-16 T-23: Still some way to go until inflation is beaten, wages didn't fully catch up to inflation in 2022.
Goolsbee (Neutral) 2023-5-16 T-23: Has not decided anything for the June meeting, would be a mistake to commit to a rate move when more data is coming, not sure if we've put enough restraint on the economy yet, far too premature to be talking about rate cuts, starting to see some slowing in activity, there's still some potential for a soft landing, wages are not a leading indicator of inflation.
Logan (Neutral) 2023-5-16 T-23: Central banks should review post-GFC stress episodes, may need to travel more slowly when conditions are uncertain, gradual policy adjustments can be helpful in mitigating financial stability risks.
Williams (Neutral) 2023-5-16 T-23: Inflation is gradually moving in the right direction, it does take a while to feel the impact of policy, current banking situation is nothing like the 2008 banking crisis, the banking system is sound and resilient.
Mester (Hawk) 2023-5-16 T-23: I don't think we're at a hold rate yet, would like policy rate to get to a point where it could equally be a potential increase or decrease, I don't put it in terms of a pause but instead a hold, rate are not at a sufficiently restrictive level.
Barkin (Neutral) 2023-5-15 T-24: Not giving a June meeting decision because there is still data to come and because of the uncertainty around the debt ceiling, very comfortable with a data-dependent approach but not yet convinced that inflation is on a steady path lower, sees no barrier to higher rates if inflation persists, demand may need to cool even more for inflation to reach the 2% target, policymakers should be sensitive to financial stability risks but that should not take precedence over the fight against inflation.
Barr (Neutral) 2023-5-15 T-24: The US banking system remains sound and resilient, all deposits in the banking system are safe.
Bostic (Neutral) 2023-5-15 T-24: If I was voting now I would hold rates in June, we may have to go up further on rates, have to keep a possible rate hike on the table, rate cuts are not part of his baseline, appropriate policy is to wait and see the effects of tightening, does not see inflation coming down quickly, the math on inflation and the economy will work in the Fed's favour in the months ahead, there is still a long way to go in the battle against inflation, expects inflation to be in the high 3s at year-end, there is some risk of a recession but if we fall into one it will not be long or deep.
Goolsbee (Neutral) 2023-5-15 T-24: There is still a lot of impact from prior hikes that's still to come, his vote to hike at the last meeting was a "close call", inflation is improving but not that rapidly, the effect of banking stress isn't small and we need to take it into account.
Kashkari (Hawk) 2023-5-15 T-24: The Fed has more work to do, we should not be fooled by a few months of good data, inflation is much too high but starting to come down.
Jefferson (Neutral) 2023-5-14 T-25: Inflation is still high, little progress on core inflation is bad news, the full impact of the Fed's rapid rate hikes is likely stell ahead, disinflation has been slower and more uneven than the Fed would hive liked, the uncertainty around the effect of bank stress and credit shock could be larger than expected.
Bullard (Hawk) 2023-5-14 T-25: Market-based inflation expectations are back down to levels consistent with the 2% inflation target, policy is not at the low end of sufficiently restrictive.
Bowman (Neutral) 2023-5-12 T-27: Additional rate hikes are "likely appropriate" if inflation stays high and the labour market stays tight, policy rate will need to remain sufficiently restrictive for some time, uncertain if it is already sufficiently restrictive to bring inflation down, policy action is not on a pre-set course, recent data have not provided consistent evidence that inflation is on a downward path.
Goolsbee (Neutral) 2023-5-12 T-27: Inflation is too high but at least it's coming down, hopes inflation can ease without a recession.
Kashkari (Hawk) 2023-5-11 T-28: Tight monetary policy may be needed for "extended time", inflation has come down but is still above target, bank turmoil can be a source of slowing for the economy, it is conceivable that once we get inflation down to 2% we could have a conversation about changing the target, if markets are right and inflation will fall quickly one would imagine rates could normalize, if high inflation is more embedded then rates will need to stay higher for longer, I am now on the more hawkish end of Fed policy spectrum, we will be back in a low inflation and low rate environment once this period of high inflation ends.
Waller (Hawk) 2023-5-11 T-28: Climate change does not pose a serious risk to large banks or to US financial stability, it is not the Fed's job to be a climate policymaker, the issue is not whether climate poses risks from acute events like severe weather but if those are distinct from other possible shocks, transition to lower-carbon economy likely to be gradual and predictable and not pose risks to banks.
Barkin (Neutral) 2023-5-10 T-29: The Fed's message last week was "explicitly not a pause" on rates or "even necessarily a peak" but provides the optionality to do more if needed and the option to wait if waiting is appropriate.
Jefferson (Neutral) 2023-5-9 T-30: Inflation has come down and the economy has started to slow in an orderly fashion, banks have started to raise lending standards.
Williams (Neutral) 2023-5-9 T-30: The Fed hasn't said it's done raising rates, does not see any reason to cut rates this year, will raise rates if needed, the Fed needs to be data-dependent, tighter credit may blunt how far the Fed goes with rate hikes, does not see tighter credit knocking the economy totally off course, acute phase of bank stress is over, not seeing a wage-price spiral, confident that the Fed is on the right path to lower inflation to 2% target, core services ex housing inflation still shows persistent inflation.
Goolsbee (Neutral) 2023-5-8 T-31: Too early to make a call on rates for June meeting, getting vibes that a credit squeeze is beginning, must be data-dependent and watch credit conditions, weighing how much Fed work is being done by tighter credit, recession is a possibility.
Goolsbee (Neutral) 2023-5-5 T-34: Way too premature to expect a June rate hike, we know that credit conditions like the ones we are seeing now in the past have been correlated with recessions and credit crunches, bank situation has to give you some pause.
Bullard (Hawk) 2023-5-5 T-34: Quarter-point hike this week was a good step, this puts the Fed above 5% but there's a lot of inflation in the economy, ready to be data-dependent with an "open mind" on whether to pause or hike at the June meeting, policy is at the "low end" of restrictive zone and it's not clear enough for a downward path of inflation, should not have a recession as a base case, the base case is slow growth and declining inflation, labour market is very tight and will take time to cool, sense is that regional banks will do just fine, ultimate impact of bank stress on the economy will be small, we can achieve a soft landing.
Powell (Neutral) 2023-5-3 T-36: Prepared to do more if warranted, it is a meaningful change to no longer say we anticipate more firming of policy, real rates are around 2% so policy is tight, we're possibly at a sufficiently restrictive level or not far off, we think we need to stay at this rate for a while, no decision on pause was made today and we will decide on June in June, we will take a data dependent approach, the extent of effects of credit tightening remain uncertain, we won't have to raise rates quite as high due to banking stresses, future policy actions will depend on how events unfold, reducing inflation likely to require below-trend growth and some softening of jobs market, there are some signs that labour supply and demand are coming back into balance, nominal wage growth has shown some signs of easing, the US banking system is sound and resilient, committed to learning the right lessons from the banking rout.

Hello fellow Knicks fans. Last year I had a lot of fun writing up reviews for each player, and I decided I’ll make it a yearly thing. Format will be a little different to keep it fresh but same goals; evaluate players based on how they looked, their numbers, advanced stats, team stats, and an eye to next year. I will go player by player until I cover all major players on the Knicks roster. Enjoy! If you wanna check out Josh Hart and previous write ups give a click here
Player Profile: Isaiah Hartenstein
Age: 24
Contract Remaining: 1 year at $8.2 million.
2022-23 Season 82 GP, 8GS, 19.8MPG
5PTS, 6.5REB, 1.2AST, .6STL, .8BLK, .8TOV per game.
53%/21%/67% Shooting splits
I love Thibs as a coach, but many of us agree that one of few strikes against him is that he runs a bit of an unimaginative offense. There’s some motion and action, but a lot of it is ISO heavy and heavily dependent on the primary ball handlers making decisions on the whim and reacting to the defense. I feel like this concept hurts no player on the team as much as Isaiah Hartenstein. So first off, Hart (I’m calling him that for the remainder of the article, Hartenstein is just that much more annoying to type) is a heck of a well rounded player. If you look at his minutes from last year in LA, he had a 8/5/3 line with a steal and a block with a shooting split of 62%/46%/69%(nice) all in 18mpg, less than what he played this year! He can pass, he can board, he can defend and can even get in rhythm and score well near the rim and even on the perimeter. Unfortunately in Thibs' offense Hart had a much more conservative role as mostly a screener and a board crasher. Now, make no mistakes, he did those things well, averaging 2.5 offensive rebounds a game in just 20min. However, I felt Hart was severely underutilized all year, and I think because of that he had trouble adjusting in the beginning of the year, when he had some ups and downs in the first 20 games and everyone was calling for his head. As the year went on though Hart adjusted and eventually settled into his role nicely. I still think Thibs can utilize him way more. I know it's not a 1 for 1 comparison, but I look at the work Joakim Noah did (and no I’m not saying Hartenstein is as skilled as Noah) when he played under Thibs and I’m surprised Thibs didn’t try to take advantage of Hart’s passing skills more often. Who knows, maybe we will see more of that next year. My personal caterwauling aside, Hartenstein is a great fit on the team and I wouldn’t be surprised to see them try to throw an extension his way at some point as he compliments Mitch very nicely and is affordable insurance against an injury to him.
Advanced Stats: VORP: 0.7 WS/48: .136 PER: 14.2 TS%: 56
Now by league standards, Hartenstein had a pretty average year. His PER comes in near league average (15) and his VORP sits almost at 1, indicating he’s a step above a replacement level player. But looking at his advanced stats from last year show how big of a step back he took from last year. Last year he had a PER of 22 which is phenomenal and a VORP of 2(!). To put that in perspective, he played 400 more minutes this year than last year but last year put up double the level of value. Again, Hart had a solid year for us, but I feel he was severely underutilized.
Hartenstein ranked around 35th out of ~400 players that played in at least 50 games at 15mpg in defensive rating. This puts him as one of the more highly rated defensive big men in the league. Pretty impressive. He didn’t always put up the counting stats but his effort was apparent.
Hartenstein pops up in 6 of the Knicks top 10 defensive rated lineups. Conversely, he also appears in 6 of the bottom 10 defensive rated lineups. However Hart is also in 6 of our top 10 net rated lineups and 6 out of 10 worst net rated lineups. Shockingly he’s in 6 of our top and bottom 10 offensive lineups as well. All this makes sense as Hart graded out as a slightly above replacement level player. So he was there when things went good, but also there when things were not.
2023 Playoffs: 3.1PTS, 4.6REB, 1.3AST, .8STL, 1.4BLK, .5TOV per game
48%/N/A/75% from the field
0.2 VORP WS/48 .171 PER 13.5
Hartenstein brought his shovel and pal for the playoffs, and gave the Knicks some tough minutes at center. While his counting stats may leave a little to be desired, his advanced stats show that he played well during his 20 mpg on the court. However, as previously stated, his lack of offensive versatility (which is consistent among many players on the roster) created the redundancy that made the Knicks offense a little stagnant and not as successful as it could be in the playoffs. It's another moment where I feel like Thibs underutilized him as he does have (albeit an inconsistent) outside shot, and they could try to use Hart to clear the paint for drives and kicks. Also worth noting that it was more or less Hart’s first postseason appearance, so the jitters are being worked through.
2023 Off season
Despite being in the league 5 years already, Hartenstein is only 24 years old, so he does have more room to grow. Hartenstein has a good offensive game around the rim, can finish and has a little baby hook/push shot that he uses effectively. He can shoot from the outside, career 31% shooter from 3 but on very small volume. Even if Hart could push that to 33% he could really provide another layer to his game. He’s a solid defender but can definitely be better against big bangers in the post. Hart is a capable pass and also rebounds very well already. Again, I feel Hart can showcase more than what he did last year if given more chances from Thibs.
Overall Grade for 2022-23 season: B
Hartenstein had a bumpy introduction to the Knicks. However, he leveled off quickly and showed the workman’s mentality that NYK fans love. He plays hard and (mostly) plays smart. I think he can take some more steps forward in his offensive game and low post defense. I also believe Thibs can entrust him with more high post and passing action, but that is to be seen. He’s a solid role player I wouldn’t mind seeing around here for a while.
More to come soon. Let’s go Knicks!

Planning, budgeting and forecasting for a business are three distinct financial management tools used in business, each serving a different purpose.

Key differences between planning, budgeting and forecasting for a business

Here are key difference between planning, budgeting and forecasting for a business.

Financial planning

A plan is a strategic document that outlines the goals, objectives, and actions required to achieve a desired outcome. It is a comprehensive roadmap that provides guidance on how an organization intends to allocate its resources and accomplish its mission. A plan typically covers a longer time horizon, such as three to five years, and encompasses various aspects of the business, including sales, marketing, operations, and human resources. It helps in aligning the efforts of different departments or teams towards a common vision and allows for coordinated decision-making.

Budgeting

A budget is a financial plan that quantifies the expected income and expenses for a specific period, usually one year. It provides a detailed breakdown of projected revenues, costs, and expenses based on the goals and objectives outlined in the plan. Budgets are commonly used for financial control and resource allocation purposes. They enable organizations to monitor and control their spending, make informed decisions about resource allocation, and evaluate performance against the planned targets. Budgets are often updated and revised annually to reflect changing circumstances and priorities.

Forecasting

A forecast is an estimate or prediction of future financial outcomes based on historical data, trends, and relevant factors. It is a tool used to anticipate the financial performance of a business or a specific project. Forecasts can be short-term or long-term and are usually based on assumptions about factors like market conditions, customer behavior, economic trends, and internal capabilities. They help organizations anticipate potential risks, identify opportunities, and make informed decisions about resource allocation and strategic planning. Forecasts are often updated regularly to reflect new information or changing circumstances.
In summary, a plan provides a strategic direction and outlines the actions required to achieve goals, a budget quantifies the expected income and expenses for a specific period, and a forecast predicts future financial outcomes based on historical data and assumptions. While they are related and interconnected, each tool serves a different purpose in financial management.

Financial planning for a business

Financial planning for a business involves the process of assessing and determining the financial goals, strategies, and actions necessary to achieve those goals. It involves analyzing the current financial situation, identifying financial needs and resources, and developing a roadmap to guide the business's financial activities.
Financial planning for a business typically includes the following steps:

• Assess Current Financial Situation: Evaluate the business's current financial position by analyzing financial statements, cash flow, profitability, and other relevant financial metrics. This helps identify strengths, weaknesses, and areas for improvement.
• Define Financial Goals: Establish clear and specific financial goals for the business. These goals could include increasing revenue, improving profitability, reducing costs, optimizing cash flow, expanding to new markets, or achieving a specific return on investment.
• Identify Financial Needs: Determine the financial resources required to achieve the defined goals. This may include capital investments, working capital for day-to-day operations, research and development funding, marketing budgets, or funds for expansion or acquisition.
• Develop Financial Strategies: Based on the financial goals and needs, develop strategies and action plans to achieve them. This may involve determining pricing strategies, cost reduction initiatives, revenue growth plans, investment strategies, or capital structure decisions.
• Cash Flow Management: Forecast and manage cash flows to ensure sufficient liquidity for ongoing operations. This involves estimating cash inflows from sales, investments, and financing sources, as well as projecting cash outflows for expenses, investments, and debt service.
• Budgeting and Financial Controls: Create a budget that aligns with the financial goals and strategies. Allocate financial resources to different departments or activities and establish controls to monitor spending, track variances, and take corrective actions as needed.
• Risk Assessment and Management: Identify potential financial risks and develop risk management strategies. This includes evaluating market risks, credit risks, operational risks, regulatory risks, and other factors that may impact the business's financial stability.
• Financing and Capital Structure: Determine the appropriate mix of financing sources, such as equity, debt, or alternative funding options. Evaluate the cost of capital, repayment terms, and impact on the business's financial position.
• Performance Measurement and Reporting: Establish key performance indicators (KPIs) and reporting mechanisms to monitor financial performance regularly. This helps track progress towards financial goals, identify areas for improvement, and communicate financial results to stakeholders.
• Periodic Review and Adjustment: Continuously review and update the financial plan to reflect changes in the business environment, market conditions, or strategic priorities. This ensures that the financial plan remains relevant and adaptable to new circumstances.

Financial planning for a business is crucial for achieving financial stability, maximizing profitability, and making informed decisions about resource allocation. It provides a framework for managing finances effectively, mitigating risks, and guiding the business towards long-term success.

Budgeting for a business

Budgeting is the process of creating a detailed financial plan that outlines the expected income and expenses over a specific period. It involves estimating and allocating financial resources to various categories and tracking actual income and expenses against the planned amounts. Budgeting is an essential tool for financial management and helps individuals and organizations control spending, achieve financial goals, and make informed decisions about resource allocation.
Here are the key steps involved in budgeting:

• Establish Financial Goals: Determine the financial objectives you want to achieve, such as saving for a down payment, paying off debt, or starting a business. Clear goals help shape your budgeting priorities.
• Determine Income: Identify all sources of income, including salaries, wages, business profits, investments, and any other forms of revenue. Consider both regular and irregular income.
• Track Expenses: Closely monitor your spending habits by categorizing and recording all expenses. This includes fixed expenses like rent/mortgage payments, utilities, and insurance, as well as variable expenses like groceries, transportation, entertainment, and discretionary spending.
• Differentiate Needs vs. Wants: Distinguish between essential needs and discretionary wants. Prioritize necessary expenses while being mindful of discretionary spending that can be reduced or eliminated to align with your financial goals.
• Create a Budget: Based on your income and expenses, allocate funds to different categories or line items. Start with critical expenses like housing, food, utilities, and debt payments, and then allocate money to savings, investments, and discretionary spending.
• Set Realistic Targets: Ensure that your budget is realistic and achievable. Avoid overestimating income or underestimating expenses. Strive for a balanced budget where income covers expenses and leaves room for saving or debt repayment.
• Review and Adjust: Regularly review your budget to assess progress, identify areas for improvement, and make adjustments as needed. This allows you to adapt to changing circumstances or financial goals.
• Monitor and Control: Keep track of your actual income and expenses and compare them to the budgeted amounts. This helps you identify any deviations or areas where spending needs to be controlled.
• Make Informed Decisions: Use your budget as a guide to make informed financial decisions. Consider the impact of your budget on long-term goals and evaluate whether certain expenses align with your priorities.

Budgeting provides numerous benefits, including:

• Increased Financial Awareness: It helps you gain a clear understanding of your financial situation, allowing you to make informed decisions about spending and saving.
• Goal Achievement: Budgeting helps you allocate funds towards specific financial goals, making it easier to track progress and work towards achieving those goals.
• Improved Money Management: By tracking expenses and controlling spending, budgeting promotes responsible money management, leading to better financial stability.
• Emergency Preparedness: Budgeting includes setting aside funds for emergency savings, providing a financial cushion for unexpected expenses.
• Debt Reduction: A budget can assist in managing and reducing debt by allocating extra funds towards debt repayment.

By practicing effective budgeting, individuals and organizations can gain better control over their finances, make progress towards their financial goals, and make more informed financial decisions.

Financial forecasting for a business

Financial forecasting is the process of estimating or predicting future financial outcomes based on historical data, trends, and relevant factors. It involves analyzing past financial performance and using that information to project future revenues, expenses, cash flows, and other financial metrics.
Financial forecasting serves several purposes, including:

• Planning and Decision-Making: Forecasting provides valuable insights for planning future business activities and making informed decisions. It helps organizations anticipate potential financial needs, allocate resources effectively, and determine the feasibility of new projects or initiatives.
• Budgeting and Resource Allocation: Forecasts serve as a basis for creating budgets and allocating financial resources. By projecting future income and expenses, organizations can set realistic budget targets and allocate funds to different departments or activities accordingly.
• Performance Evaluation: Comparing actual financial results against forecasts allows organizations to evaluate their performance and identify areas of improvement. It helps in measuring progress towards financial goals and taking corrective actions if there are significant deviations.
• Risk Management: Financial forecasting enables organizations to assess and manage financial risks. By anticipating future financial outcomes, organizations can identify potential risks, such as cash flow shortages, and implement strategies to mitigate them.
• Investor Communication: Forecasts are often shared with investors, stakeholders, and lenders to communicate the organization's expected financial performance and future prospects. Accurate and credible forecasts can enhance investor confidence and support capital-raising efforts.

The process of financial forecasting typically involves the following steps:

• Define the Objective: Clearly state the purpose of the forecast, whether it's for budgeting, strategic planning, or assessing financial viability.
• Gather Historical Data: Collect and analyze past financial data, including revenues, expenses, cash flows, and other relevant metrics. This helps identify patterns, trends, and seasonality.
• Identify Factors: Consider internal and external factors that may influence future financial outcomes. This could include factors such as market conditions, industry trends, customer behavior, economic indicators, and regulatory changes.
• Select Forecasting Methods: Choose appropriate forecasting methods based on the available data, the nature of the business, and the desired level of accuracy. Common forecasting techniques include time series analysis, regression analysis, trend analysis, and expert judgment.
• Develop Projections: Use the selected forecasting methods to generate projected financial figures for the desired time period. This could involve forecasting revenues, expenses, profitability, cash flows, and key financial ratios.
• Validate and Refine: Validate the forecasted results by comparing them with industry benchmarks, market research, or other sources of information. Refine the projections as necessary based on new insights or feedback.
• Monitor and Update: Continuously monitor actual financial performance against the forecasted figures and update the forecasts regularly as new information becomes available. This ensures that forecasts remain relevant and reflect the changing business environment.

Financial forecasting is a valuable tool for organizations to anticipate and plan for future financial outcomes. It helps in strategic decision-making, resource allocation, and risk management, ultimately contributing to improved financial performance and stability.

Hi all - Irish outsider here looking at the possibility of moving to Canada within the next year and just doing some further research. I've been reviewing various tax calculators / government websites to get an idea of the federal / provincial tax rates (which I now have).
I'm wondering does anyone on here know what the main deductions one would expect from their annual salary? From what I can see, the main ones (outside of federal / provincial tax):
- Employment Insurance @ 1.63% up to a cap of $1,002.45 per annum
- Canadian Pension Plan @ 5.95% (matched by employer then as well and seems to be capped at $3,754 between both the employee and employer)
Is there anything else outside of Federal / Provincial taxes and the above two?
Was also just wondering what types of pension / savings & investment accounts are typically to the go to? From my research, it seems the following are the main ones:
- RRSP (seems to be the equivalent of an Irish defined contribution scheme), whereby you can contribute up to 18% of your earned income up to a limit of $30,780 and effectively not pay federal / provincial tax on these contributions and they can grow tax free.
- TFSA (where you pay tax now but then the investments grow tax free and can be redeemed tax free - similar to a Roth IRA in the USA, up to an annual limit of $6,500 in contributions.
Anything else saved / invested after these two goes into a standard savings / brokerage account then after taxes and interest / dividends / realised gains & loss etc.. would all be taxable as per usual.
Have a missed any other obvious saving / wealth creation methods here or does this seem to be the main account types?
Any advice anyone has would be much appreciated! Still just trying to get my head around this. Thank you in advance!