California is paying off residents' past due rent that was accrued during the COVID-19 pandemic, giving renters a clean slate, Gov. Gavin Newsom announced recently.
https://www.newsweek.com/california-pay-off-all-past-due-rent-accrued-during-covid-giving-renters-clean-slate-1602556
Here is a graphic illustrating the "roll". Each line represents one contract's open interest through time. Open Interest (OI) just means the total number of contracts open. There would be a short and long for each contract.
https://preview.redd.it/bpqxjsuzva571.png?width=875&format=png&auto=webp&s=46015d7cb44d8f2eca44b0c06fa230863474b236
The yellow oval points out the current roll period. You can barely notice on this scale but the total OI is increasing quite a bit. I'll get to that in a minute.
Notice that the scale is logarithmic. The active months have peak OI about 50 to 100 times the non-active months. Traders like the active months for maximum liquidity. During this period as the contract approaches the start of deliveries in about 2 weeks, many of the traders roll to the next active month. In this case, that is September.
Here is a plot showing just the total OI on a linear scale. You can see that the OI has increased quite a bit in the last week. However, most of the OI has accrued to the September contract.
https://preview.redd.it/f5wfwgwewa571.png?width=875&format=png&auto=webp&s=0481141d249e7582d44038832759c66dac328c2e
Here are the recent active months time shifted to the first notice day. First notice day is when deliveries start. Notice that the September contract is over trend. It is rough to tell since the slope is so great at this point in the roll.
https://preview.redd.it/x787vxdnza571.png?width=656&format=png&auto=webp&s=ceebc0e67c2f40caaf8c80266b2d54cbbdd9319e
More importantly is where the July contract is tracking. Currently it is fairly high to trend as seen in the zoom in plot below. However, this high drama game plays out on each active contract. Note that the current OI is about 5 times the registered silver in the comex vaults. It's a silly game, I call it the Limbo Game as the OI gets under the bar ... meaning the registered silver in the vaults. Most traders will roll or close in the next 2 weeks. The folks standing for delivery are only revealed in the last day or two.
Many of these contracts are held by bullion banks who can just transfer contracts through EFP and cash settle in London. I believe this is discretionary for those folks and it is another method to preserve comex paper pricing. If deliveries appear to be tight, they go settle behind the curtain. Regardless of the charade, we will track the OI as it limbo's down to the bar.
https://preview.redd.it/lpu2cr5lwa571.
... keep reading on reddit ➡Those of us on 9 month appointments often get a certain amount of paid vacation time per year. This is often capped so it can only accrue up to a certain amount (which is way short of a semester). We often teach courses that, if we're sick or traveling, need to be canceled as nobody else knows our research enough to substitute for us. And if a class or two gets canceled, we get paid the same anyway, so no sense in using a sick day. Furthermore, vacation and sick time often can't be used during the summer, since we're not "officially" employed during that time.
So when and how are we actually supposed to use sick and vacation time? What's the policy like at your university?
In California, they intend to pay off ALL past due covid rent. Giving the unemployed a chance to wipe the slate clean.
For those harmed by the various gaps in unemployment payments, this is the last chance to catch up.
Other states have similar programs, so keep an eye out in your local area, for the program that applies to you.
https://www.nytimes.com/2021/06/21/us/california-rent-forgiveness.html
Would like thoughts if you think this item proposed by California will have a trickle down effect and thus lower home prices down the line? Maybe raise them? No idea.
Title pretty much says it all. During the call I did not accept or confirm the existence of the debt, just asked them to validate the the current balance and asked for correspondence to continue in writing. Why would a collection agency be calling me if the debt is already showing as paid from the original North Texas Toll Authority (NTTA)?
EDIT: Thank you all for the replies. This question was more about getting the debt collector call regarding an issue that ended up not being an issue with a 2 second "check" on their end. That made me think it was a scam and was not sure if this was common.
I've already gotten the car title issues taken care of. That was done a long time ago which was partly why I was surprised to get this phone call. I had gotten calls from the NTTA a few months after the sale about unpaid tolls which alerted me of the issues and printed me to get everything handled with the DMV.
It was my first and only time to sell a car privately and I had no idea what I was doing so unfortunately I did not take the plates. I did get a bill of sale so that was good at least.
I interviewed for a position yesterday, interview went very well, but Idk who else they're looking at and how they did. I'm not sure if they would let me give 2 weeks notice at this point or say 'this is the starting date, take it or we'll ask the next person'.
I have already decided that given the higher pay, greater hours and potential for promotion, I am willing to forfeit my accrued annual leave at the place I'm currently at - about 40-60 hours off the top of my head. (I did the maths and worked out that even at the higher amount, I would be making that up in about 2 months of base rate, let alone overtime and penalties.) Obviously though, I would rather have my leave cashed out, or as much of it as I am legally entitled to. Which brings me to my question... what would I be legally entitled to?
Lunchbar, 20hpw, set hours, permanent part time, been there 2.5 years, total of 6 staff, if any of that is relevant.
Obviously this is a hypothetical - I haven't been offered the position yet.
I am 68 and retiring at the end of August this year. I have tendered my retirement papers and am enjoying most of the fears that others on this community are having, lol. But here is a trivial one I am struggling with . At the end of August I will have accrued at least 2 weeks of paid vacation for this year. ( I am actually taking a 3rd week off after July 4th. ) Am I being petty if I take my remaining vacation the last 2 weeks of August or do I just eat it and move on? ( my company will not pay for any accrued vacation.)
Ritual burning? Box in the loft?
It has been a long 5 years, and I am very pleased to have finally done it, but I've just looked on my bookshelves and it is crammed with notes, papers, textbooks and so on, much of which I will probably never use again. What do you do with it all?
I visited matic.apy.vision, but their MATIC site appears to be 12 hours behind on current data, which makes it pretty useless. Are there any alternatives?
Zapper.fi and quickswap.exchange only give me totals and not a breakdown of how they calculated the totals.
I’m trying to determine if it’s worth getting an appraisal for our home from the time our marriage started to the time my name was put on the deed.
My stbx owned the house for 13 years before we married. I don’t know how old the loan was when we married. That loan was in place for the first 10 years of our marriage. House was worth about $300,000 at the time of our marriage.
Was there likely to have been enough equity accrued in those ten years to make it worth paying $1000 to have it appraised at the time of our marriage? Lawyer says no but I keep feeling like I’m leaving money on the table. (Community property state.)
Hello all, I'm Canadian so this pertains to my RRSP. I currently have an account with EQ Bank and an interest rate of 1.25%. Interest is calculated daily and paid out monthly.
I wanna maximize how much I receive in interest obviously, but the calculations have always kinda confused me. So my question is.. would it yield more interest if I were to make steady contributions to the RRSP monthly (say $400 a month) or to instead lay one lump sum into my account in December ($5000)?
On the surface it would seem to me that the interest acquired after a lump sum deposit would be the total amount that would be accrued from deposits made every month.. but I also feel I'm very wrong about that.
I have 11 federal student loans at varying interest rates from 3.4% to 6.8%, totaling about $40k.
I was just looking at them individually and saw that Navient conveniently breaks down the topline number for me into the current principle and the accrued interest.
For example, if I look at my main list of loans, one of them says I owe $4,485.90.
When I scroll down, it says that the loans is made up of a $3,620.57 "Unpaid Principal" and a $865.33 "Unpaid Interest".
Is it possible for me to make a $3,620.57 payment towards the unpaid principal and leave the $865.33 for later, since that would stop any additional interest from accruing, or how does that work? Thanks.
I've had over 1800 UST deposited into my Anchor "earn" account for close to 5 months now but have never seen any accrued interest in my transaction history. My dashboard simply shows "expected interest" and never any actual interest. Any idea what's going on?
Is their options for how long after? Do they have to pay it out in full or can they do instalments? Is their consequences for businesses that can’t afford to pay out annual leave?
Location: Washington State. I have an investment account which I got prior to marriage. I have not transferred any more funds into the account after marriage. I'm wondering if the capital gains accrued during marriage is also considered community property. If yes, what about capital losses? I'm in community property state. Thanks in advance.
No laws or taxes are currently in place for interest payments on crypto. Dividends have a structure for taking or reinventing (DRIP account). Large majority of polled holders say they didn’t plan on taking fiat or cash and would rather let the money accrue for larger interest payments and more ETH tokens.
Good for us. Good for them. Can’t wait for ethereum 2.0!
We rec'd a 500k EIDL loan back in April 2020. It was such a relief to receive it, and the interest was low over 30 years, I wasn't thinking ahead. We were closed down hard 4 months and when we got it, had no idea how long we’d be closed. However, when I got an invoice from the SBA in Feb 2021, it showed we owed (at that time) 515k. It adds up quickly! I wanted to share this in case others hadn't thought of it, we’ve been working so hard to get back on top, I sort of lost sight of this loan’s interest and how quickly it was accruing. Now that payments are not required until 2022, some folks may not look into it or plan for it. FYI! Have a plan! I’m paying mine back this month. Half of it had not been used. Stupid me!
I am about to graduate OCS in the next class, I have my orders for Nuke School that have my report by date in late August. Do I just report to Charleston asap else burn through all my accrued leave? OR do I have until my report by date to get to Charleston? Is there people or resources I can reach out to for more clarification?
Soooo I finally refinanced for the first time going from Aspire to Earnest since I was able to take about 2% off my interest and for some reason when Earnest took ahold of my loans my interest that was still due on my Aspire account (about $250) dropped off. Is this normal?
Also for some reason my Aspire account still says I owe $30 but won't give me the choice to pay off since it says I have no loans with them. That's also something that I feel I need to call to fix but wow they never make it easy when refinancing from what I have heard.
