I know one can sue for med expenses (deductible, co-pays, etc) and for vet bills (for the defending dog in his/her yard) but what about expenses for lost work for owner due to days unable to perform duties, or for torn clothing, or for needing a behaviorist to help train OUT fears from the dog bitten/the other dog who ran away scared during the violence? What if the owner of the dog needs therapy to get over a stray dog jumping the fence and attacking his/her dogs in their own space - - is that also recoverable?

Neighbor was bitten by jumping stray - - just trying to see what he/she can maybe recover IF they find the owner...

This post provides a framework for understanding the timelines and trade offs that an explorer considers after a significant discovery. There are some necessary simplifications to avoid it being overly long but I welcome further discussion in the comments section to explore some of these themes with greater depth and nuance.

============

TLDR shortcut

• The last two significant discoveries on the North Slope of Alaska have been the Willow complex and Pikka/Horseshoe. These are resources in the 500 million - 1 billion barrel range. First production is currently planned for 7-8 years from discovery.
• Unless a discovery is being tied in to available spare capacity in existing nearby infrastructure then lead times are a minimum of 5 years and can easily extend to 10 years from discovery.
• Globally, a basin opening discovery takes around 10 years on average to begin production with some examples talking longer. Generally offshore gas fields (eg Rovuma Basin in Mozambique) and onshore oil (eg Uganda onshore - 14 years and counting versus Kenya with 7 years) take longer than offshore oil fields (eg Pre-salt in Brazil early production system within 3 years with full field production building up over the following 10 years).
• Merlin (if confirmed as discovery) will need to build pipeline to Willow (closest planned infrastructure) but that will not have spare capacity until the end of the decade at the earliest. Alternative plans might include a shared facility with Pikka/Horseshoe through cooperation with Oil Search/Repsol allowing a start up by 2027/28.
• Given normal lead times, costs of appraisal post discovery and the acquirer’s return on capital requirements , the value on disposal is likely to be less than half the expected NPV10 of a notional development of the most likely recoverable resources immediately following discovery.

============

It is no easy thing, despite how dismissive Redditors and StockTwits seem to be regarding exploration risks, to find a new field of commercial scale. For geoscientists, this may be the culmination of a decade or more of detective work but for engineers, their job is only just beginning. Key questions will include:

• Did we discover enough to cross the commerciality threshold?
• If we choose to sell the discovery before development, when should we do that and what portion of the NPV10 are we prepared to give up in a sale?
• What is our development concept?
• What will the plateau production rate be (the through

This is the third in a series of rare earth element (REE) DDs, the first two are linked at the bottom of this post. For the sake of not repeating myself too much I’m going to assume you’ve read the others and bring that knowledge into your reading here.

Intro

MP Materials ($MP) takes their name from the iconic Mountain Pass Mine, which they operate as the largest REE mine and processing facility in the western hemisphere. The Mountain Pass mine was purchased out of bankruptcy in 2017 by a group of investors led by JHL Capital Group, an alternative investment firm based in Chicago. This group formed what is known as MP Materials and split the executive positions amongst themselves; JHL got CEO and CFO while their partner QVT Financial took COO. I just point this out to bring attention to the fact that $MP upper management has no history of operating mining or processing operations, but the company likes to spin it as the benefit of having owner-operators with skin in the game.

Last year they produced roughly 15% of global REE demand in the form of concentrate. They have plans to fully vertically integrate their production capabilities in the coming years, currently targeting 2022-23 for separation and 2025+ for magnet manufacturing, but as I’ll get to later I think they might try to accelerate that magnet timeline.

Mountain Pass Mine

Mountain Pass Mine, California

As discussed in my previous DD, Mountain Pass used to be the largest producer of REEs in the world back in the 60s and 80s, but was eventually pushed out of the market by cheaper products from China. The mine struggled for a couple decades and spent long periods of time shut down or in a maintenance-only mode. The facility has seen over $1.5B in upgrades since 2010, but the former operator went bankrupt in 2015 with $1.4B in debt. The low REE prices due to oversupply from China made it very hard for the mine to get off the ground again, but with prices now back at high levels and still rising the mine looks like it has a solid footing with $MP.

The Mountain Pass mine has one of the richest REE ore bodies in the world. It has a non-radioactive Bastnaesite ore which contains roughly 8% TREO (recoverable rare earths) and has more than 25 years of mine life remaining. Most non-radioactive REE deposits in the world range from the 1-2% TREO so Mountain Pass is

Hello Reddit Divorce_Men

A little background:

My wife (37) and I (36) have been undergoing a trial separation (Spoke with a lawyer and apparently this is fine... Until we decide to file, in which case I would need to move back) for about a month now. We have 2 children, one is 6, and the other is a year and a half. She is a teacher and had worked the entirety of the marriage (Earns $49,000 a year), we have the same level of education; but, because of my chosen profession I make about 130% more than she does. We live in Florida, and have been married for 9 year's. We do own a home and have quite a bit of equity. However, she is terrible with money/saving and I am not... We have been in marriage counseling for a few months, but I honestly think it's been pretty worthless.

The dilemma:

Per the attorney I spoke with, because we have a, "medium" term marriage, so I very well may have to pay alimony up to the duration of the marriage (9 years). In Florida, it's apparently calculated before child support, so I very well could end up paying her half of my income PLUS child support, losing up to 50% of my take home pay... Now, the lawyer said that would be, "worst case scenario" but, I'm not sure how much better the, "best case" scenario might be... That would be on top of what would be at least a 50/50 division of assets. Frankly, the loss of that much of my monthly cash flow is more terrifying than the division of assets, because if I still had decent cash flow, I am young enough to rebuild the assets. Without cash flow, plus the additional expenses of getting a separate place to live, rebuilding will be very hard. That, and giving up so much time with my children seems pretty awful as well.

On the non-financial side, I honestly feel like I'm done... There are a myriad of issues ranging from lack of intimacy, to things I discovered that she has lied about (so major trust issues), and the fact that living in that situation had/has me at my wits end... It really doesn't feel recoverable. But, as I mentioned the financial aspect and the impact on my relationship with my children really make me hesitant. I know the longer we are married, the worse the financial situation will be if it does eventually end, but I am terrified to, "pull the trigger."

So my questions are:

1. How did you know that going ahead and filing for divorce was the right decision?

2. Was it worth it from a financial and a sanity standpoint?

   2a. If anyone has been divorced in the sta

A couple of people asked if I could provide a framework for valuing PANR along the same lines as I offered up for 88E so here goes...

SHARE STRUCTURE First, the share structure. There are currently slightly less than 700 million shares issued of which 630 million have voting rights and 70 million are not voting shares that can be converted to normal shares upon request by their owner. In addition, there are options for management etc so the total number of shares to use in any conversion of market cap to share price target is 740 million shares.

https://polaris.brighterir.com/public/pantheon_resources/news/rns/story/x8o1o5r and then with the issue of shares to Otto, https://polaris.brighterir.com/public/pantheon_resources/news/rns/story/w987k1r

Management options are covered in the recently release interim results

“ 5.      Share Capital In November 2020 the Company completed a placing of 73,756,314 new fully paid ordinary shares with a nominal value of £0.01, raising gross proceeds of c.$30.2m before expenses at an issue price of 31 pence per share. As at 31 December, 2020 the company had on issue 678,986,082 shares (which includes 102,471,055 non-voting shares which are convertible into ordinary shares on a 1 for 1 basis, subject to certain conditions). As at 31 December, 2020 the Company also has the following options and warrants:

• 10,000,000 share options and 9,607,843 warrants; all with a £0.30 exercise price. The warrants are identical to the share options except are convertible into non-voting shares.
• In July 2020 the Company approved the issue of up to 13,700,000 share options with an exercise price of £0.27 to Directors, all staff and key consultants.”

Also they issued options for this year per the announcement cited here:

https://polaris.brighterir.com/public/pantheon_resources/news/rns/story/xpp9m3x

The main owners of Pantheon are Farallon - a west coast US based hedge fund that acquired its interest via a long winded transaction in which it bought debt owned by Great Bear (the company with the Alaskan assets that Pantheon bought 2 years ago) from Bank of America - and they have been gradually selling their shares recently. There are some associated parties rumored to be the principals of Riverstone Capital (a private equity fund backed by Carlyle Group) that, together with Farallon supported the sale of Great Bear to Pantheon as a clean, debt free company that owned nothing but licences in Alaska and a big 3D seismic survey.

https:

I am moving to Cardiff for a period of at least 4 years. I am not sure if I will stay in UK for more than 4 years. I can manage a deposit of 100k and my monthly disposable income is 1.5k after all expenses (rent, food etc). I am currently thinking about mortgage for a flat around 220k but I am not sure if it would be a financially wise decision to get a mortgage Vs doing a rental. Pros of Mortgage are that for 4 years the amount, which would otherwise be lost in paying rents, would count towards the home equity and I can sell the flat 4 years down the line and get atleast some of the paid mortgage amount (on top of the deposit) back. I am not sure if letting the flat after 4 years would be possible or advisable but that can be a possibility as well. The disadvantages of renting would be that the money paid in rentals would not be recoverable and wouldn't contribute towards long-term financial stability.

I am wondering what would the wise people in a similar situation do?

Carrollton, Texas, April 05, 2021 - MDM Permian Inc. (OTCPK: MDMP) today has announced the results of the Oglesby 1-A well Advanced Reservoir Characterization, Irion County, Texas.

OGLESBY 1-A WELL/RESERVIOR ESTIMATES

“As stated in the MDM Permian Business Plan, we will be building value in the ground as well as providing cash flow from production.” says Michael Rafael, President and CEO. “The Oglesby acquisition has proved to be a significant event. Our geologist, Bruce Swartz has mapped the well on a small structure, which explains the layer cake oil zones. It looks like we are 10-11’ high to surrounding properties.” The Canyon Sands have already produced over 40,000 BO and at this time, continues to produce from that zone.

This week the company released the results of the NuTech Energy Alliance Advanced Reservoir Characterization. “The results are more than encouraging, and the following is the breakdown of the Oglesby 1-A well by zone.”

Link to Estimates and Full News Release: https://backend.otcmarkets.com/otcapi/company/dns/news/document/48606/content

These estimates indicate recoverable primary production from the Oglesby 1-A well, completed on a vertical basis, could be as much as 1,358,470 BO. from the combined zones. Secondary recovery, such as water flooding certain zones, could significantly enhance the ultimate recovery from the well. “These are significant numbers with $60. oil and expectations for higher prices this year. We plan on taking full advantage of this scenario for the benefit of the company and its shareholders.” Says Mr. Rafael. “Needless to say, we are continuing to pursue further opportunities in the immediate area.”

Completion for this well has not yet been scheduled as we are considering all options and developing a plan that may include co-mingling of some production. As Mr. Rafael states, “since the well is vertical, operating expenses are expected to be less than $10. per barrel, depending on associated produced water disposal.” Additional reserve information will be available upon completion of the well, production rates, and pressure testing.

This sub and its members have given me a great deal, and I want to return the favor by presenting my first DD report. I welcome any and all feedback, particularly those who are bearish and see weaknesses in my assessment of the company. If you have a background in statistics, medicine, or research, please try to pick apart my assessment of the data and prove me wrong. My hope is that we can all make some money while backing a company that is literally trying to cure cancer.

About the Company Basic stats: Market cap of 1.316B. Current share price of $1.60. 823M shares outstanding. Trailing P/E of 82.

(Yes, it's a smaller company, but it's over the 1B limit and I got permission to post).

Northwest Biotherapeutics (NWBO) is an American pharmaceutical company founded in 1996. The current CEO, Linda Powers, graduated magna cum laude from Princeton and Harvard. Their board also has a lawyer who graduated from Michigan and two PhD’s, one of whom holds several patents on dendritic cell product manufacturing. Their current emphasis is on cancer vaccines that incorporate the patient’s own immune cells which are trained to attack the malignancy in lieu of chemo or radiation. Taken straight from their website:

>NW Bio is developing cancer vaccines designed to treat a broad range of solid tumor cancers more effectively than current treatments, and without the side effects of chemotherapy drugs. NW Bio’s proprietary manufacturing technology enables the Company to produce its personalized vaccine in an efficient, cost-effective manner. The Company has a broad platform technology for DCVax dendritic cell-based vaccines. The Company’s lead product, DCVax-L, is currently in a 348-patient Phase III trial for patients with newly diagnosed Glioblastoma multiforme (GBM), the most aggressive and lethal brain cancer. The Company’s second product, DCVax-Direct, is currently in a 60-patient Phase I/II trial for direct injection into all types of inoperable solid tumor cancers. The Company has also conducted a Phase I/II trial with DCVax for late stage ovarian cancer together with the University of Pennsylvania. The Company previously received clearance from the FDA for a 612-patient Phase III trial with its third product, DCVax-Prostate, for late stage prostate cancer.

While they do have multiple studies in the works, one of which is ongoing at Penn that would be applicable to all solid tumors, they have a primary one that will make or break them. Their most com

Back story- I worked IT in the army. At this point in my career, I had progressed from mainframes to tactical computer systems, to CSSAMO (combat system support automation officer), to desktops, to servers, email servers, domain controllers and into installing and configuring network switches and routers.

My career in the army was coming to a close. I had spent the last 3-4 months training newly minted computer techs with skills not taught at course, hopefully to make them better techs. I had signed in my keys and had my replacement sign the keys back out (he was bug-eyed to the amount of keys and responsibility he was getting). The army's policies on computers and networking were getting retarded. Soo.. I had two computers on my desk. One for official military work computer and one personal laptop for pulling miracles out of my ass because the new security guy was an asshole drone (I had done his job when it was put onto me as an "additional duty"). The personal laptop never connected to the network because it's purpose was for things like drive recovery (I had personally purchased a couple of expensive drive forensics programs) and performing "impossible tasks" (like converting a recorded deposition of sensitive nature from one codec to MP3.). A lot of these tasks could not be completed on the army system because of regulations against loading non-DOD software on DOD systems (like I said, getting retarded). Hence the non-DOD laptop. Onward.. I was a day away from terminal leave and the start of my retired military life.

This happened on a Thursday afternoon around 1400hrs. I was in my office cleaning shit out, figuring out what were keepsakes and what needed to be tossed.

Then... LTC Insect (MAJ. Insect from the story "YOU! DOIM GUY!") walks in..

LTC Insect- Sgt. I need you to recover the data off this hard drive for me.

Me- Why are you bringing me this now? Tomorrow is pretty much my last day.

LTC Insect- I brought it your boss and he said he'd get his best man on the job. He couldn't figure it out and gave it back to me.

Me- when did you give the drive to the boss and his "best man"..?

LTC Insect- 2 months ago.

Me- and you're just bringing it to me now....?

LTC Insect- There's a bunch of important information on this and I need it recovered and I know you can extract it.

(After playing 20 questions, I find out it's his personal external hard drive with his pictures from Afghanistan on it. He was using his position of rank for somethin

Energy Fuels (UUUU) has been getting some attention on this sub lately, but mainly as a way to make a play on uranium and I don’t think their diversification and growth prospects outside of that are fully appreciated. Hopefully this serves as a good intro to all the aspects of Energy Fuels' business and future prospects.

Intro

Energy Fuels (UUUU) was founded in 2006 by former employees of the historic Energy Fuels Nuclear which was the nation’s largest uranium producer before closing in 1997. Energy Fuels expanded via acquisition and obtained the famed White Mesa Mill from Denison Mines (DNN) in 2012 as part of a purchase for all DNN’s US assets. The company then went public in 2013, turned its first profit in 2015, and is now the nation’s largest uranium producer.

In 2018 Energy Fuels expanded out of the uranium industry by starting to recover vanadium from mill tailings left as byproduct from previous processing operations at the White Mesa Mill. In early 2019 the company produced its first vanadium concentrate and that year was the largest vanadium producer in the US.

In 2020 they produced their first ever Rare Earth Element (REE) carbonate (the stuff that MP Materials has grown so quickly off of). Energy Fuels has agreements in place to obtain a valuable sandy ore from a mine operated by Chemours Company, which produces it as byproduct from their other operations. Energy fuels will process the ore into REE carbonate and sell it to Neo Performance Materials who will process it into more useful materials. The first commercial batch of REE carbonate is expected to begin production by the end of this month (March 2021). Energy Fuels plans to fully vertically integrate this process in house by 2023/24.

Energy fuels paid off its remaining debt in October 2020 and has a wide array of dormant processing facilities kept ready and waiting to jump back into production as soon as necessary. They also operate mines, mainly geared towards uranium, and have other exploration sites for potential future mining operations. Their most prominent site is the White Mesa Mill which is the only operating conventional uranium mill in the US. It is also capable of producing high quality vanadium concentrate and is optimal for enhanced REE processing due to its radioactive element capabilities.

Uranium

As mentioned, Energy Fuels is the #1 producer of uranium in the US and their White Mesa Mill is the only operating conventional uranium mill in the US. At the end of Q3

Dear Gabby,
My last letter was, to quote you, done for no other reason than “manipulation.” You implored me to continue my therapy and face the “dark” that's within me.

I suppose I shouldn't be surprised. I've always seemed to fumble my emotional expressions when they're at their most sincere. Given your own time in therapy, and my hopeful belief you've come to see the manipulations of your family, coupled with all the mistakes I've made...it's reasonable you'd react so coldly.

If I'm being honest, it's also infuriating. Not so much anger directed at you, as anger directed at...the world? Our situation? Myself? The amount of time I've spent talking in therapy about how angry I am at me must eclipse 50% of my sessions, if not more. I know it's not healthy (didn't even need a therapist to suss that one out, ha.) I also know that so much of it stems from the regrets I have about you, my brother and sister. How much I miss all of you.

I wrote to you sincerely. I wanted to tell you how I was feeling, what I was feeling, in some vain hope that it could be understood by you.

It's brutal to accept that I have no right to expect that understanding.

At least with you, there's a large degree of personal fault, something I can tangibly hold myself to account for and understand, something to learn and grow from. I broke your trust, and that was never going be recoverable without the kind of distance that's between us now, both physically and emotionally. For other people that may not be true, but neither of us were configured properly to mend that gap. I tried, as sad and unbelievable as that may seem now. I tried, and tried, and tried again, and my own ego didn't let me understand there was nothing I could do. I had to wait. Wait for you. Let you heal. Let you decide.

How difficult it was to realize that I had to give up control, as vulnerable as that makes me. Even more difficult still to actually do it.

That realization had always been an inkling, a gut reaction even. Therapy has shown me just how little control I have. That epiphany, my accepting that my desire to play hero, to save, to please the people closest to me at the expense of even my own dignity, my own sense of self, is the second root of my anger. If I don't find my peace, if I don't quell my own rage, I'll never be whole. It's not enough to placate myself, to say, “Well, you never hit her. You never did this bad, or that wrong.” It's not e

*Nothing expressed within this post is or should be considered financial or legal advice.

TA;DR: Umbrella insurance policies pick up the slack where common auto/home/other polices don't reach. It is protection against suit where the plaintiff can posit an obscene amount of recompense on subjective circumstance, especially if they know you have a substantial sum of cash. Umbrella coverage is surprisingly cheap for the amount of coverage you can gain. It is a worthwhile consideration for any individual, wealthy or not.

https://www.reddit.com/r/Superstonk/comments/n3jwcu/sudden_wealth_changes_everything/

As I was taking my morning stroll through the beautiful cobbled streets of Stonkton I stumbled on the meme above. The third block caught my eye, as I had seen the term "Umbrella Insurance" quite a few times before. If what I thought it to be was true, then it was something I knew I needed to know more about for my life post-squeeze. Thusly, I stepped into the umbrella store to see what all the fuss was about.

Firstly, what in the Great Googly-Moogly is Umbrella Insurance? Sure, I have my standard auto stuff, and I probably ought to pick up some renter's coverage, but you're saying there's something that covers my ass on all accounts?

>"Umbrella insurance covers you and members of your household against lawsuits involving personal injury to others, damage to other people’s property and a variety of claims such as defamation, landlord liability and false imprisonment, depending on your policy."
>
>"In addition to paying out any damages up to your liability limit, your umbrella insurance will typically also cover associated legal costs over and above that amount. For example, if you have an umbrella policy with $1 million of liability coverage, and you were sued for that full amount, your insurer would pay out the $1 million plus provide your legal defense or cover your fees. A "retained limit" — which is similar to a deductible in that you’re responsible for paying it before your coverage begins to pay out — might apply."^(1)

Ah, OK. That makes sense. So while there's insurance for the car or the home or a spontaneous volcanic eruption those won't cover when someone tries to ramrod you to oblivion because somehow someway they figured out your tendie vaults are LOADED.

Canada NewsWire

VANCOUVER, BC , April 29, 2021 /CNW/ - Canfor Corporation ("The Company" or "Canfor") (TSX: CFP) today reported its first quarter 2021 results:

📷

Overview

• Record quarterly reported operating income of $603 million driven by historically high lumber prices and improved global pulp market conditions; record-high quarterly sales of $1.94 billion
• Shareholder net income of $428 million , or $3.42 per share
• Net debt of $85 million at March 31, 2021 ; $225 million repayment of term debt in the current quarter
• Cumulative cash deposits of $615 million on countervailing and anti-dumping duties at March 31, 2021

Financial Results

The following table summarizes selected financial information for the Company for the comparative periods:

(millions of Canadian dollars, except per share amounts)

1 Adjusted for inventory write-downs and recoveries ($2.2 million recovery in Q1 2021, $3.0 million recovery in Q4 2020, $52.3 net write-down in Q1 2020), and restructuring costs ($1.0 million in Q1 2020). Effective Q1 2021, results were no longer adjusted for countervailing and anti-dumping duties. Prior periods above have been restated to reflect this change ($95.5 million net recovery in Q4 2020, $44.4 million expense in Q1 2020).

2 Attributable to equity shareholders of the Company.

3 Adjusted for after-tax impact of certain one-time items, including restructuring costs, foreign exchange (gain) loss on term-debt, and (gain) loss on derivative financial instruments. Effective Q1 2021, net income (loss) and net income (loss) per share were no longer adjusted for the after-tax impact of duty deposits, net of duties recoverable, and foreign exchange on duty deposits recoverable. Prior periods above have been restated to reflect this change (favourable per share impact of $0.51 in Q4 2020, unfavourable $0.24 in Q1 2020).

For the first quarter of 2021, the Company reported operating income of $602.6 million , $183.0 million higher than operating income of $419.6 million reported for the fourth quarter of 2020, reflecting record results for the lumber segment and improved results in the pulp and paper segment.

In the lumber segment, earnings increased $145.7 million quarter-over-quarter, to an all-time high $606.7 million . These results largely reflected continued strength in global lumber market fundamentals, with demand continuing to outpace available supply and driving global benchmark lumber prices to new historical highs. This

VIVO Cannabis™ Announces Fourth Quarter 2020 Results

Net revenue for Q4 2020 was $6.2 million; Net revenue for 2020 was $32.8 million, an increase of over 32% compared with the same period last year

Recorded first significant revenues from VIVO's Australian business in 2020

In October 2020, began streamlining its Napanee, Ontario operations and integrating the operations of its Napanee and Hope LP's to achieve production cost and efficiency improvements. Subsequent to year end:

Pharmascience Inc., VIVO's strategic partner for specific medical cannabis formulations, received its Cannabis Standard Processing License for its Quebec-based facility to formulate and process cannabis and derivative products into finished products; On track to manufacture first medical cannabis product produced under pharmaceutical quality standards in 2021

Released brick hash as part of VIVO's Cannabis 2.0 product lineup and expected to release a new line of topicals in Q2 2021, VIVO's 9th and 10th product formats, respectively

Vanluven facility received EU-GMP certification allowing VIVO to export cannabis products for sale in Europe and Beacon Medical Germany GmbH received an import license to allow imports of medical cannabis flowers

Closed an $8 million public offering to help fund VIVO's growth TORONTO, March 31, 2021 /CNW/ - VIVO Cannabis Inc. (TSX: VIVO) (OTCQX: VVCIF) ("VIVO" or the "Company") today released its fourth quarter 2020 financial and operating results.

VIVO Cannabis Inc. Logo (CNW Group/VIVO Cannabis Inc.)

Management Commentary

"While 2020 presented its share of challenges, we did a lot to better position VIVO for the future and we are beginning to see the early results of these efforts," said Richard Fitzgerald, interim CEO of VIVO. "We have already had some noteworthy achievements in 2021. The first of which is obtaining EU-GMP certification at our Vanluven facility, which enables us to accelerate our international growth plans. We also continue to enhance our Cannabis 2.0 line of products with the introduction of two new product formulations, brick hash and topicals, and look forward to introducing our first medical cannabis product produced under pharmaceutical quality standards later this year."

Financial Summary

Net revenue for the fourth quarter of 2020 was $6.2 million which represents a 23% decrease quarter-over-quarter as compared to Q3 2020. This decline is primarily due to the timing of re-orders post initial stocking of cannabis 2.0 p

The funeral director was asking us what we think Mum should wear in her casket.

Mum always loved to wear sarongs (fabric wraps that go around the torso and drape downward a bit like a long skirt would), so my uncle suggested that she wear a sarong in there.

The funeral director looked a bit confused, as did some of our family members, to which my uncle added:

"What's sarong with that?"

I started laughing like an idiot. He was proud of it too. The funeral director was rather shocked. We assured her, and our more proper relatives, that Mum would've absolutely loved the joke (which is very true).

His delivery was perfect. I'll never forget the risk he took. We sometimes recall the moment as a way help cushion the blows of the grieving process.

--Edit-- I appreciate the condolences. I'm doing well and the worst is behind me and my family. But thanks :)

--Edit-- Massive thanks for all the awards and kind words. And the puns! Love 'em.

I would have a daughter

So i saw an old concept for a space shuttle varient where the engine was housed in a recoverable module. Im surprised how little this concept has been looked at cuz the most expensive part of rockets is the pumpset & other complex engine parts. so why aren't there more rocket designs that recover an engine module but discard the tanks & aeroshell?

But Bill kept the Windows

In case of collection of outstanding dues by co-operative housing society under section 154(B)29 of Maharashtra Co-operative Societies Act, 1960, whose assets are forfeited?

The property is a 1 room kitchen residential flat in the name of A. People living in the property are husband (A) (M/50s), wife (B) (F/50s) and their two adult children (C) (M/30s) & (D) (F/20s) (Hindu family). The maintenance dues to the cooperative housing society have not been paid for a few years. The society is going to proceed with collection as per legal course. As informed by society, once the documents have been processed, the Recovery and Sales Officer will inventory and seize all movable property of the member.

1. Does this include the property of other residents of that flat (wife and 2 adult children) or just the member / owner A?
2. What if the personal property of other three family members is removed from the flat? Is it still recoverable?
3. What if one or more of the family members (except A) leave the flat to go live somewhere else and take their movable property with them? Can their property still be used to settle the dues of A to the co-operative housing society?
4. Also, from the perspective of family law and separation / divorce, is it prudent for the wife to live separately from her husband with one or both of her adult children if she wants her share of her husband's property? How can the wife B get separated from her husband A and get her share?

These are the strictly legal questions. But speaking personally, A, has retired without any savings, after hardly working in his life. A does not want to live in this flat and wants to sell it and buy a house somewhere in remote village. B, C and D, who currently bear all of the household expenses, want to live in this flat in a well connected but not rich suburb in Mumbai and do not want to move to the new remote location due to the job opportunities and life-style difference (C & D are living in this house since birth). Over the years, A has not treated the other three members of his family emotionally well especially his wife B well and has been physically and verbally abusive towards her. A has barely brought enough money to get by and has prioritized spending it for himself over his wife and then young children. A is not willing to make any effort / contribution towards maintenance of this flat and is willing to let it deteriorate, go to collections or even says he will donate it to someone, just so B,

True story; it even happened last night. My 5-year-old son walks up behind me and out of the blue says, "hey."

I turn to him and say, "yeah, kiddo? What's up?"

He responds, "it's dead grass."

I'm really confused and trying to figure out what's wrong and what he wants from me. "What? There's dead grass? What's wrong with that?"

.

.

.

He says, totally straight-faced, "hay is dead grass," and runs off.

You officially hit rock bottom

No it doesn't.

Now it’s syncing.

He replied, "Well, stop going to those places then!"

She said how do you know he was headed to work?

I will find you. You have my Word.

“thank you for your cervix.”

...sails are going through the roof.

Made me smile

I am moving to Cardiff for a period of at least 4 years. I am not sure if I will stay in UK for more than 4 years. I can manage a deposit of 100k and my monthly disposable income is 1.5k after all expenses (rent, food etc). I am currently thinking about mortgage for a flat around 220k but I am not sure if it would be a financially wise decision to get a mortgage Vs doing a rental. Pros of Mortgage are that for 4 years the amount, which would otherwise be lost in paying rents, would count towards the home equity and I can sell the flat 4 years down the line and get atleast some of the paid mortgage amount (on top of the deposit) back. I am not sure if letting the flat after 4 years would be possible or advisable but that can be a possibility as well. The disadvantages of renting would be that the money paid in rentals would not be recoverable and wouldn't contribute towards long-term financial stability.

I am wondering what would the wise people in a similar situation do?

I am moving to Cardiff for a period of at least 4 years. I am not sure if I will stay in UK for more than 4 years. I can manage a deposit of 100k and my monthly disposable income is 1.5k after all expenses (rent, food etc). I am currently thinking about mortgage for a flat around 220k but I am not sure if it would be a financially wise decision to get a mortgage Vs doing a rental. Pros of Mortgage are that for 4 years the amount, which would otherwise be lost in paying rents, would count towards the home equity and I can sell the flat 4 years down the line and get atleast some of the paid mortgage amount (on top of the deposit) back. I am not sure if letting the flat after 4 years would be possible or advisable but that can be a possibility as well. The disadvantages of renting would be that the money paid in rentals would not be recoverable and wouldn't contribute towards long-term financial stability.

I am wondering what would the wise people in a similar situation do?

April 6, 2021 Major Well Discovery:https://backend.otcmarkets.com/otcapi/company/dns/news/document/48606/content

Carrollton, Texas, April 05, 2021 - MDM Permian Inc. (OTCPK: MDMP) today has

announced the results of the Oglesby 1-A well Advanced Reservoir Characterization,

Irion County, Texas.

OGLESBY 1-A WELL/RESERVIOR ESTIMATES

“As stated in the MDM Permian Business Plan, we will be building value in the ground

as well as providing cash flow from production.” says Michael Rafael, President and

CEO. “The Oglesby acquisition has proved to be a significant event. Our geologist, Bruce

Swartz has mapped the well on a small structure, which explains the layer cake oil zones.

It looks like we are 10-11’ high to surrounding properties.” The Canyon Sands have

already produced over 40,000 BO and at this time, continues to produce from that zone.

This week the company released the results of the NuTech Energy Alliance Advanced

Reservoir Characterization. “The results are more than encouraging, and the following is

the breakdown of the Oglesby 1-A well by zone.”

San Angelo Sands

Depth OIP on 40-acre location.

1414-1423 100,000 BO

1614-1621 111,000 BO

1870-1916 446,000 BO

Total OIP (OIP indicates Oil in Place). 667,000 BO

Historical Primary Recovery Factor 25% 164,266 BO

Clearfork Sands

3480-3508 104,750 BO

Total OIP 104,750 BO

Historical Primary Recovery Factor 27% 26,188 BO

Dean

4700-4870 1,903,563 BO

Total OIP 1,903,563 BO

Historical Primary Recovery Factor 25% 475,891 BO

Witchita Albany

5024-5150 1,132,000 BO

5196-5256 515,000 BO

5300-5350 531,000 BO

Total OIP 2,178,000 BO

Historical Primary Recovery Factor 25% 544,500 BO

Wolfcamp

5650-5724 591,000 BO

Total OIP 591,000 BO

Historical Primary Recovery Factor 25% 147,625 BO

These estimates indicate recoverable primary production from the Oglesby 1-A well,

completed on a vertical basis, could be as much as 1,358,470 BO. from the combined

zones. Secondary recovery, such as water flooding certain zones, could significantly

enhance the ultimate recovery from the well. “These are significant numbers with $60. oil

and expectations for higher prices this year. We plan on taking full advantage of this

scenario for the benefit of the company and its shareholders.” Says Mr. Rafael. “Needless

to say, we are continuing to pursue further opportunities in the immediate area.”

Comp

I originally posted this DD on r/vitards and I was told you guys might enjoy it. Energy Fuels is known for their uranium production, but I don’t think their diversification and growth prospects outside of that are fully appreciated. Hopefully this serves as a good intro to all the aspects of Energy Fuels' business and future prospects.

Intro

Energy Fuels (UUUU) was founded in 2006 by former employees of the historic Energy Fuels Nuclear which was the nation’s largest uranium producer before closing in 1997. Energy Fuels expanded via acquisition and obtained the famed White Mesa Mill from Denison Mines (DNN) in 2012 as part of a purchase for all DNN’s US assets. The company then went public in 2013, turned its first profit in 2015, and is now the nation’s largest uranium producer.

In 2018 Energy Fuels expanded out of the uranium industry by starting to recover vanadium from mill tailings left as byproduct from previous processing operations at the White Mesa Mill. In early 2019 the company produced its first vanadium concentrate and that year was the largest vanadium producer in the US.

In 2020 they produced their first ever Rare Earth Element (REE) carbonate (the stuff that MP Materials has grown so quickly off of). Energy Fuels has agreements in place to obtain a valuable sandy ore from a mine operated by Chemours Company, which produces it as byproduct from their other operations. Energy fuels will process the ore into REE carbonate and sell it to Neo Performance Materials who will process it into more useful materials. The first commercial batch of REE carbonate is expected to begin production by the end of this month (March 2021). Energy Fuels plans to fully vertically integrate this process in house by 2023/24.

Energy fuels paid off its remaining debt in October 2020 and has a wide array of dormant processing facilities kept ready and waiting to jump back into production as soon as necessary. They also operate mines, mainly geared towards uranium, and have other exploration sites for potential future mining operations. Their most prominent site is the White Mesa Mill which is the only operating conventional uranium mill in the US. It is also capable of producing high quality vanadium concentrate and is optimal for enhanced REE processing due to its radioactive element capabilities.

Uranium

As mentioned, Energy Fuels is the #1 producer of uranium in the US and their White Mesa Mill is the only operating conventional uranium mill in the US. A

I am moving to Cardiff for a period of at least 4 years. I am not sure if I will stay in UK for more than 4 years. I can manage a deposit of 100k and my monthly disposable income is 1.5k after all expenses (rent, food etc). I am currently thinking about mortgage for a flat around 220k but I am not sure if it would be a financially wise decision to get a mortgage Vs doing a rental. Pros of Mortgage are that for 4 years the amount, which would otherwise be lost in paying rents, would count towards the home equity and I can sell the flat 4 years down the line and get atleast some of the paid mortgage amount (on top of the deposit) back. I am not sure if letting the flat after 4 years would be possible or advisable but that can be a possibility as well. The disadvantages of renting would be that the money paid in rentals would not be recoverable and wouldn't contribute towards long-term financial stability.

I am wondering what would the wise people in a similar situation do?

And then you will all be sorry.

Here's my first DD report. I welcome any and all feedback, particularly those who are bearish and see weaknesses in my assessment of the company. If you have a background in statistics, medicine, or research, please try to pick apart my assessment of the data and prove me wrong. My hope is that we can all make some money while backing a company that is literally trying to cure cancer.

About the Company Basic stats: Market cap of 1.316B. Current share price of $1.60. 823M shares outstanding. Trailing P/E of 82.

(Yes, it's a smaller company, but it's over the 1B limit and I got permission to post).

Northwest Biotherapeutics (NWBO) is an American pharmaceutical company founded in 1996. The current CEO, Linda Powers, graduated magna cum laude from Princeton and Harvard. Their board also has a lawyer who graduated from Michigan and two PhD’s, one of whom holds several patents on dendritic cell product manufacturing. Their current emphasis is on cancer vaccines that incorporate the patient’s own immune cells which are trained to attack the malignancy in lieu of chemo or radiation. Taken straight from their website:

>NW Bio is developing cancer vaccines designed to treat a broad range of solid tumor cancers more effectively than current treatments, and without the side effects of chemotherapy drugs. NW Bio’s proprietary manufacturing technology enables the Company to produce its personalized vaccine in an efficient, cost-effective manner. The Company has a broad platform technology for DCVax dendritic cell-based vaccines. The Company’s lead product, DCVax-L, is currently in a 348-patient Phase III trial for patients with newly diagnosed Glioblastoma multiforme (GBM), the most aggressive and lethal brain cancer. The Company’s second product, DCVax-Direct, is currently in a 60-patient Phase I/II trial for direct injection into all types of inoperable solid tumor cancers. The Company has also conducted a Phase I/II trial with DCVax for late stage ovarian cancer together with the University of Pennsylvania. The Company previously received clearance from the FDA for a 612-patient Phase III trial with its third product, DCVax-Prostate, for late stage prostate cancer.

While they do have multiple studies in the works, one of which is ongoing at Penn that would be applicable to all solid tumors, they have a primary one that will make or break them. Their most compelling product, and really **the focus of this post, is the Phase 3 Trial for the DCVax-L

I am moving to Cardiff for a period of at least 4 years. I am not sure if I will stay in UK for more than 4 years. I can manage a deposit of 100k and my monthly disposable income is 1.5k after all expenses (rent, food etc). I am currently thinking about mortgage for a flat around 220k but I am not sure if it would be a financially wise decision to get a mortgage Vs doing a rental. Pros of Mortgage are that for 4 years the amount, which would otherwise be lost in paying rents, would count towards the home equity and I can sell the flat 4 years down the line and get atleast some of the paid mortgage amount (on top of the deposit) back. I am not sure if letting the flat after 4 years would be possible or advisable but that can be a possibility as well. The disadvantages of renting would be that the money paid in rentals would not be recoverable and wouldn't contribute towards long-term financial stability.

I am wondering what would the wise people in a similar situation do?