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submitted by hodlr to genderqueer [link] [comments]

HRT but no breast growth

So i was on HRT for about 8 months. T blocker, estrogen and finastride. It was great - generally feminizing. However something i didnt expect was to get more dysphoric when my breasts started to grow. I took myself off of all HRT except finastride because i didnt know what to do. I talked to my dr and she said that there's no hrt regiment that doesnt have breast growth as an effect. I know its a crap shoot about growing breasts or not on HRT but im insterested in feminizing but not getting boobs. Anyone know what i could do? Ive just about given up on transitioning all together
submitted by DeeDeeGetOutOfMyLab to asktransgender [link] [comments]

I’ve never seen this from a doctor’s office before. Reason #84636 I love my gyno.

I’ve never seen this from a doctor’s office before. Reason #84636 I love my gyno. submitted by _queefer_sutherland_ to WitchesVsPatriarchy [link] [comments]

Dysphoria is a pain

I think maybe quarantine is giving me too much time to think and fixate on things. Dysphoria and all the messiness surrounding my gender are getting me down today, and I thought maybe some folks here would be able to relate.
I was considering the possibility of being FTM more seriously when I was in my twenties, but it never quite clicked enough for me to decide I was ready to start transitioning or trying to present as a guy. As chance would have it, by the time I finally had enough money and decent insurance to start thinking about top surgery, my dysphoria had gotten milder and I was starting to feel cautiously okay with my chest. Sometimes I still think I would prefer having a flat chest, and top surgery is still an option on the back burner, but I kind of like how my chest looks now in a way that I didn't when I was younger, so I decided to hold off. My dysphoria and identity have always been pretty fluid, and I have times where the idea of going on testosterone really doesn't appeal much. I've also realized over time that I like being perceived as a queer woman. I like it when lesbians are attracted to me, and I can identify with being a woman through a butch perspective. That's a part of my identity that I don't really want to give up. And I don't know that I really see myself as a man.
But I also wish I could pass as a man better than I can. Today, I happened to see that someone at work (who hasn't met me in person) referred to me with male pronouns in an email, and it really excited me! When things like that happen, it makes me happy and I don't want the person to figure out that they were "wrong." I still get jealous of trans men sometimes. I'll have periods like right now where I like the idea of being seen as a guy more and wonder if I'm cheating myself by not transitioning.
I think I've been more anxious about this lately because it feels like there's so much pressure to fit in a box. I feel like I have to choose between options a lot. I like using they/them pronouns, but I want women to know that I'm cool with them finding me attractive as a butch woman. I like seeing myself as a woman and don't really want to try to live as a man, but I do like it when people think I'm a man. It just feels so complicated sometimes, and I'm in my thirties, so I don't necessarily expect things to become much clearer.
I started identifying as non-binary in my late teens, but I don't always relate to that anymore because I don't know that I see myself as being in a category that's separate from being a man or a woman. I do like the term genderfluid, but I feel like if I don't want to live as a man and transition, then I want to be able to embrace being a woman, and sometimes it feels like that isn't possible or isn't allowed.
Can anyone relate to this?
submitted by Cartesianpoint to butchlesbians [link] [comments]

Says flair added no button still

So excited Can't sleep Options plus leverage Love when autistic leverage an absolutely null awareness of risk reward the righteous. Join me in Sueing @RobinHoodClassAction in your spare time. They are dirty they do shady unethical things like counter party risk against the other platform they also own. While not allowing. You to enter it exit a position Ah or PM but I.digress. make a separate piece for that later. Heheem Step 1. Use abuse worthless broker the aforementioned. With as much leverage as will not set off there risk assessment team. For example voldemortTicker U an then E plus C . We are not allowed to say . Makes mods bum bums sore. They reject your script off rip. Once theta decayed on calls an price fell below 93 cents. You could purchase an even better write options for 1 dollar an 10 cents, expiring in as little as one week for 1 dollar. That's right trade 100 shares for 1 dollar. So naturally I grabbed 250 for the 20th of this month. An then more for the next 2 consecutive months out. I had to pay 10 dollars per contract bc, I have no patients but not relevant. Step 2. Make sure there is an event of non tech analysis origins that will move price one way or the other. *note this doesn't even necessarily have to be in your favor direction. You don't have to be insane or extra and look for a binary outcome like myself. Honestly I was aggrevated an looking for a way to be pretty after multiple PDT suspension the 3rd wasn't even my fault. Anyways you sell for as little as one dollar more than you payed then you double down. Till you get. Txt saying we are closing your position or deposit funds. Example of event . Us in 2019 decided to limit the supply of yellow cakes from foreign power. Global demand is constant or increasing. Step 3. I like the added insurance of volatility of using a Mico cap. 300m or less. Fellow NPC an employees at the scam or company will decide my fate. Not some nasty market maker killing momentum to collect HTB an weekend. Margin. Nor hedge funds that positions by the Quarter. Who buy or sell side institutions catching a hair across the ass. My outcome is bc you worthless NPC panic sold or brave heart avingers assemble hold the linens held the Line!!!!!!! In Unison- So yes why you Wana rinse an repeat. They have all these bogus Greek letters that destroy your position based on price time an baloney. It's better to take a little piece an start mixing a bigger pie An you can do long short . Straddle or strangle her while you hit her from the back. Rule of thumb price of contract falls more than 20% in one day and your not the one purchasing get rid of it. Give that opportunity to the next man live to fight another day. I totally forgot what I was saying maybe some one in the comments will sumorize for me. Last point about scaling. It helps you find instead of picking a top or a bottom. Just increasing the time you have until you push the buy buttons does miracles. Already holding a few is like getting your mourning fix no fomo sickness no chasing. Yolo with finesse ya savages an buy my #stonk cheaper than. I did your welcome NPC
submitted by Mr_Frost360 to smallstreetbets [link] [comments]

[SA] My experience with getting a name and gender change in Adelaide

If you haven't seen my first post about getting a diagnosis and HRT, you can find it here.
Hey, I'm Emma (legally now!!!), a 29 year old trans woman, and as of today I've completed almost everything involved in the name and gender change process. Given it's a ton of work (and a fair expense), I thought I'd write up the steps I followed to make it easier for anyone else trying to do the same thing.

Prepare

Get a notebook or a text doc on your computer, or something like that. Write down every company you interact with, everyone who emails you, every place you have an account with, basically anything that has your deadname on it.
Now, go through these and see how many you can just change without providing proof. A lot of companies just let you edit it (or will do so if you email them and ask). For the ones that don't, start noting down what ID they require. A lot will just be happy with a scan of your birth certificate, but some will want photo ID, a utility bill, or a certified copy of one of those.
Certified copies are a bit of a pain, basically you need to make a photocopy (or scan and print) the document, then take the copy and original to someone "authorised" who will look over the two, then stamp and sign it to say they're identical. Companies vary on who they'll allow to certify a document, but basically everyone accepts a Justice of the Peace (JP), and most councils run a free JP service, which is what I used. Note that JPs can certify email bills, but in a slightly different way - they basically just get you to swear that it's a legitimate copy and sign some stuff, but as far as I can tell it works just fine.

Get a letter from a medical professional or psych

In South Australia you *do not* need to have had surgery to qualify for a gender change. I got mine on the back of ~4 months HRT, and I believe psychiatric help will also do. I asked my endocrinologist for a letter and she was happy to provide one.

The Birth Certificate

Okay, here's the big one! You'll need to fill out a Change of Sex or Gender Identity form (PDF, Website) and a Change of Name form (PDF, Website). Read the hell out of the websites and PDFs, they're long and confusing but you need to know this stuff! Print out the forms and fill them out. On the gender change form, you can choose from Male, Female, Non-binary, or Indeterminate/intersex/unspecifed.
The cost if you do both at once is $321 (at time of writing). I got a bit worried by the combined discount because the forms both have individual payment sections, but what you do is just put the $321 on one form and write "see [first form's name] for full amount" on the other and they figure it out. This fee includes them sending you two (!!) nice new birth certificates. Both are just normal looking certificates, but one only has your new name and gender on it, and the other has a change list on the back, which includes your old ones (this is very useful for changing your name elsewhere).
Another tip for the forms is that there's basically only one spot on the name form that asks for your new name, every other field wants your deadname. On the gender change form, it doesn't ask for your new name at all, they just figure it out because you're sending the forms in at the same time. If you have any questions about the form you can call the office of Consumer and Business Services on 131 882. The person I spoke to was really friendly and helpful, and got the answers I needed after a bit of searching.
You're going to need a bunch of ID for these forms, and you'll also need a witness for the change of name, so it's time to head to a JP (again, use the free council service) and get that done. I was told by CBS that each form needed its own ID (so two copies of each document), so make sure you've got enough copies. I also recommend making a backup copy of your old birth certificate, because you're putting the original in an envelope and posting it off, and that's kinda dicey imo. I also really recommend using some combination of registered post/tracking/insurance, depending on your level of worry.
Post the forms off along with your old birth certificate and ID, and wait anxiously. The CBS website estimates about a month's wait, but mine got done in about 10 days! You don't get any warning that it's done, just a letter from the SA Gov in the mail with the new birth certs in it. Take a moment to celebrate this, because for me opening that letter was the best feeling in the world. You earned it, well done!

Medicare

I'm going to tell you right now: do not bother trying to look up the process for this. It's the classic bureaucracy experience. Instead, just email [[email protected]](mailto:[email protected]) with the subject line Change of Name (DeadSurname DeadFirstname) and a scan of the front and back of your new birth certificate that shows the changes. No other stuff, no forms (this is important), just that. They send you an autoreply that says it'll take months, but that's for new applications and stuff like that. I got a response in 9 days - a lady calling from a blocked caller ID (thanks Services Australia) to confirm a couple of details, and the change went through that afternoon. Obviously it takes a while to send out the new card, but in the meantime if your Medicare is linked to MyGov, you can download the Medicare app (confusingly called Express Plus Medicare on iOS) and it has a card display feature that people should accept. There's no charge for this process.
Note that you may need to get prescriptions/blood test forms/etc re-issued in your new name, I'm not sure about this but I'm emailing my endo tonight.

Photo ID

I don't have a driver's license, so I can't comment on that, but here's the Proof of Age Card process, which I imagine is fairly similar? First, you'll need to fill out an application form (PDF, Website), then head into Services SA (don't do the online application, I'm guessing you'll want a new photo), and let them know you've changed your name and want to update your proof of age card. They'll give you a form to fill out that updates your details with the government department, and ask to see your birth certificate (bring the original with the change list). Fill out the form and take that, your birth cert, your old proof of age card, and your application form from earlier to the counter when you get called, they'll process it, take your photo, and a week or two later you should have your new card! The cost is $25. Here's me celebrating about it!

ATO

Second easiest of the lot! You just go to their website via MyGov, choose the option from the menus, enter in your details exactly as they appear on your birth cert (pay attention to the little diagram, it explains where to find everything), it does some verification magic, and you're done! No wait, no documents, no forms!

SA Water

The best one. Just log in to their website, hit My Settings, then Edit Details. Done!

Everything Else

I highly recommend getting some easy utilities done first - a lot of other places require a utility bill in your new name, and you'll be waiting for your next billing date for them. Once you have them and your list of what needs certified copies, head back to the JP and get them all done in a big batch. You'll probably need a lot of copies of your birth cert (front and back to show the change) as well. Head to the post office and buy some prepaid envelopes too.
Company website searches can suck, I recommend googling [company name] change name. You'll usually find a PDF form with all the requirements or a web page that spells it out. Worst case, give them a ring and they can help you out. Also, if you have a will, don't forget to update that too!
AGL: You need to call them. They may also need to re-create your online account to make it show the new name in there.
NAB: Need to go in person to a branch with your birth cert (showing the change) AND photo ID in your new name. This is a recent policy change.
ING: You need to fill out a form, provide certified copy of your birth cert (front and back) and post it all to them. Took about a week for them to call me to verbally confirm the change. They posted the cards out the same day, and provided SMS updates as well.
Super: Each fund should have the details on their website, the two I dealt with required a posted form and certified ID.
Amex: You call them, upload a scan of your birth cert (front and back) through the website while on the phone, and they sort it out.
Optus: Posted form, birth certificate showing change (front and back). They don't say it needs to be certified but I did it anyway to be safe. The address listed on the form and the website are different. I tried the form's address and it worked fine, took 9 days.
Council: I called them to ask, just needed to email them scans of my birth certificate (front and back), might vary from place to place
House title, etc: Have not tried. Expensive and needs a conveyancer.
submitted by emmadaboutlife to transgenderau [link] [comments]

[Ally] how popular is bottom surgery?

Sorry if it's been asked.
I work in medicine and participate in top surgeries, FTM > MTF. I've wondered, but of course can't ask my patients, how popular is bottom surgery?
My understanding of transgender surgery is to affirm the gender you identify with. In that sense I see a value for bottom surgery. However, any surgery can interrupt sensation, so is surgery really a great option? How often and/or aggressively do transgender people pursue bottom surgery? I know cost is a factor since it's not covered by all insurances (if you have insurance). I'm also guessing the response will be like any other questions about human preference: that it depends on the human.
Thanks for taking time to help me expand my mind a little bit more.

EDIT: Great responses! Thanks for all your personal stories and feedback on the subject. Some clarification:
I see a completely new smile on people after their top surgery. And I think it's because the world will finally start seeing them as they wish to present. I assume that most people pursue some sort of top surgery to be accepted as the identity they choose, including non-binary which I didn't address in original post. And I assume top surgery is more common because it's a general presentation, whereas bottom surgery is more private.
So I wondered how common it is for people to get/want bottom surgery. I knew that some would feel it's non-negotiable. Others might feel it's not as significant in their lives. And everything in between.
Thanks again for all the feedback and comments. LGBTQIA community is one of love and mutual respect. I really appreciate everyone taking the time.
submitted by theRaginAsian55 to asktransgender [link] [comments]

Why I Can't Do Surgery and Hormones, and why that bothers me!

I cannot physically transition for some very valid reasons. This will be a longer post, but if anyone is interested in giving support to someone who has a unique transition path, that would be much appreciated.
Firstly, I am a singer and worked so very hard to build up my singing voice from mediocre to awesome over the past 9 years, and I thus do not want to risk permanently altering my instrument and having to start from square 1. I have had voice dysphoria since elementary school, but I, like many other transman singers, chose not to go on T for vocal reasons.
Secondly, while I would love to grow a moustache (and I have tried and failed miserably lol) I have trauma surrounding hairiness. I am Greek-American and thus am quite hairy for an AFAB individual. I was bullied severely for being hairy from elementary school to high school, so getting any hairyer would not be an option with my trauma. (And I've worked through it in counseling, but having been bullied by literally 30 people throughout my young life, I will never be comfortable with the hair growth T would bring.) And by the way, I have reclaimed this in my drag persona, King Camp Gillette (named after the man who invented the razor) because screw bullying.
Thirdly, I have manic episodes and probably autism as well and that combination makes me particularly sensitive to many drugs and medications, meaning even coffee makes me manic while it wouldn't for the vast majority of people. That's what my psychiatrist said. So, going on Testosterone would give me a big risk of having a manic episode, and I don't want to risk my stability for T, especially when manic episodes are so disabling and literally destroy brain cells, and I've already had far too many of them.
So, those are the reasons I can't do T. And I also can't do top or bottom surgery. I have an anxiety disorder and huge phobia of driving. I don't drive because I'm absolutely terrified of a car accident, severe pain, or bodily harm of any kind. So, having any kind of surgery that is not necessary to save my life would not work with my anxiety/phobia of bodily harm. I also have a medical issue with my chest already, so that makes me doubly not want to get anything done to it.
Also, a few things about this frustrate me. One of my heroes, the gay trans man Lou Sullivan, said in an interview "thank god I was able to get surgeries and hormones, because I would have been miserable as just a crossdresser." I mean, I know that was the 1980s and our views on gender have evolved since then, but I have a feeling some folks still believe this into the present day. And having a hero of mine say that is a bit demoralizing.
In that regard, its harder for me to feel valid when I haven't altered my chest, had hormones, etc. I would even go for bottom surgery if I wasn't so terrified of surgery! My former best friend said "you fetishize gay men" and as a queehomoflexible trans man, that was super insulting and transphobic, and he wouldn't acknowledge that it was (and thus he's a "former" friend). But those kind of insults sting even harder because, as someone who doesn't have a flat chest, a beard, a deep voice, or a phallus, its hard to feel like a real man, and I worry like hell people see me as a fake "fetishizer" because I can't transition.
I am a binary trans man, and I identify completely as a man. But that being said, as a queehomoflexible trans man, and just as me in general, I like to wear skirts and dresses sometimes, and that does not reflect my gender identity, I just see it as a facet of being comfortable with feminine side as a queer man. Well, if I were on T and had a moustache, i could wear a dress or skirt and still be perceived as man. It's frustrating, but I'm trying to not let it stop me from presenting how TF I want to.
So, if anyone has any thoughts on any of that, it would be much appreciated. In the future when I'm able to have insurance cover gender therapy, I will totally get some help on these issues. In the meantime, I would be grateful for any ideas from other trans men.
But I would like to add, I am happy about the way I look. Being a queer trans man, I actually really like the twink/kinda androgynous vibe I have, and I've lost 17 pounds this year so far. So, while I do wish I could pass better, I am still grateful for who I am and how I look despite not being able to medically transition.
submitted by DadaMaster_Souvlaki to gaytransguys [link] [comments]

So I really want to be permanently sterilized, but every time I see my gyno she refuses to consider it.

Ever since I was a child, I've always known that I'd never ever want children. Not only would I make a terrible mother, but there's also the fact that mental illness runs in my family and I don't want to pass that on to a child and they have to suffer a poor quality of life like me. Now, I also do not want children because the thought of becoming pregnant terrifies me and I've recently discovered that I am non-binary, which means it gives me really bad gender dysphoria when I think about it. I also have horrible periods, which is pure misery. Even with an IUD (Kyleena) I'm STILL getting periods that last 10 days. Not heavy as when I was younger but still a moderate amount that pretty much stresses me out because of how inconvenient they are.
So, I've considered getting a bilateral salpingectomy, because that sounds way better than a tubal because they're taking my tubes out. Unfortunately, it won't stop my periods. I could stay on an IUD but it was extremely painful when I got it and it doesn't even stop my periods anyway so what's the point? The only BC that stopped my periods was depo provera but I stopped taking it because of the risk of loss of bone density and apparently I wasn't supposed to be on it for as long as I was (10+ years) anyway. My insurance (medicaid) refused to pay for a nexplanon and honestly I'm not even sure if it'd stop my periods anyway. I'm awful at taking pills, in fact my mom put me on depo as a teen because I kept forgetting to take my BC pills, so that's not an option either.
So recently I was researching hysterectomies, and I thought how great it would be to get my uterus removed because then I'd no longer have periods... But it's a major surgery and I highly doubt anyone would approve it.
Despite these options, my gynecologist won't even consider permanently sterilizing me anyway. Every time I see her for my annual and bring it up she acts like it's not an option and tells me to wait until it's time to take out my IUD to see what my options are. I've looked at the childfree doctor list but there's no CF friendly doctors in my city. I live in NC. I don't have a car and don't know how to drive so traveling to a different city would be expensive and difficult for me. I'm not sure what I can do. I'm really scared right now that I'll never have a chance to get this done with what's happening right now in today's politics. And what's worse is that I might lose my medicaid because I'm making a little too much money from working so I'll only have Medicare and lol that's a useless insurance for someone my age. (26 years old)
I guess what I'm asking is what should I do? I could maybe save some money and take an uber to see a doctor in a nearby city, but there's no guarantee they'll even approve me and plus I don't think they even take medicaid and especially not Medicare for gynecology. I could try to talk to my gyno again but that's not going well. Another option is to wait until next year to sign up for health insurance through my job but I'm scared I won't be able to afford whatever they'll take out of my paycheck for it.
I just know that when it's time to take out my IUD I don't want another one. It was a horrible, very, very painful experience! Maybe I should just go back on depo. At least I won't have periods, but I really want something permanent. Sorry for the long rant, i'm just at a loss at what to do. :(
submitted by Waste-Celebration972 to childfree [link] [comments]

Big ol' post. How I went about researching top surgery (and to some degree, my identity), therapy, experience with parents, early life and signs, etc. I found personal accounts to be helpful when I was starting to look into things, so here's my contribution.

My therapist keeps telling me that it's good for people to know what's possible, both bad and good. I've been lucky in a lot of areas and I didn't want to post about it because I don't want people to feel bad. But she keeps telling me that hope is an important tool for people so, if this is upsetting, blame her lol.
First some context and personal info about me. I'm nonbinary, but I lean and present masculine. I'm not on hormones. After wanting it for roughly 15 years, I got top surgery this year at the ripe old age of 29 (kidding about being old--sort of. I think this sub tends to skew pretty young, so I feel old compared to a lot of you lol).
I am so sorry about the length of this. I tried to break it down into chunks so if you want to skip headers you can.
Quick TL;DR Timeline:

Early Stuff

Until ~puberty~ and the dreaded body changes, gender was largely not something I thought about. I knew people tended to fit someone into either male or female, and I knew people viewed me as female and treated me as such, but it's not something I felt strongly about for myself at all. Puberty wound up sending me into a bit of an existential crisis. I hated my breasts. I hated how they made my shirts fit weird, I hated how people treated me differently if they were sort of on display, I constantly felt like I was smuggling a pair of grapefruits around.
My grandmother was diagnosed with breast cancer when she was 50, and had a mastectomy. I was like, holy shit? I WISH I WOULD GET BREAST CANCER SO THEY'D HAVE TO CUT OFF MY BOOBS! Yes, in retrospect, holy fuck that is an awful way to go about it. At the time I didn't know you could just like... get surgery. My only experiences with surgery were emergency situations, so I thought something had to be immediately, grievously, life-threateningly wrong in order to get surgery.
So I carried that ungodly wish around for a good several years. Yikes.
At the time I also hadn't heard of the term "nonbinary" and it was also really eating at me. "Woman" absolutely felt wrong, but "Man" didn't quite feel right either. I used to joke about feeling like a shapeless amoeba and being happy like that. But there was no way that was valid... right?? Obviously I was wrong, I found out about different gender identities and was much happier in that regard.
It may sound weird or look the same on the outside, but a lot of my masculine traits and tendencies are less about actually being masculine but really more about being less feminine. I know it looks the same from the outside but internally, it was an important distinction for me.
Still hated having boobs, tho.

Parents??

This is one of the areas I really lucked out on, and the biggest thing I didn't want people to feel bad about. When it comes to my identity (and unrelated to this but my sexuality as well) my parents have been, well, remarkably chill.
My dad has always been tuned into my social media, so he already knew everything and ultimately was the one who was like "what are you waiting for? Schedule an appointment already!" I had to bring him to a therapy appointment once to talk about surgery strategy, and he basically said "parents who can't support their kids unconditionally shouldn't be parents" without missing a beat so that was nice. Otherwise he basically just lets me take the lead. Let him know what I need from him, and he'll do it.
My mom I was definitely more worried about, though it turned out to be pretty unfounded. My mom and I haven't had the greatest history. It basically boils down to a clash in personalities. I was a pretty shy kid, she was always pushy about it, and neither of us handled my Moody Teenager-ness well. Things have improved a lot since I became an adult and since I started antidepressant/antianxiety meds. I also had to bring her to a therapy appointment to talk about surgery recovery strategy, where it turns out she always knew about my identity in some way, she was just waiting for me to tell her myself. And then she was all hands on deck. She checked in with me after every pre-op and post-op appointment, she asked if there was anything she needed to do or buy, she dug up a bunch of her current husband's old button-ups for me to wear post-op, she stayed with me at the hospital and took me home, etc.
There was never any weirdness or questioning from either of them. I knew my dad would be chill, I was always worried about my mom though, but it was all a pleasant surprise.

Researching Top Surgery (and Therapy)

Thanks to the internet and places like Tumblr, I was introduced to the concept of gender affirming surgeries. I was initially skeptical that I qualified (the good ol' "am I trans enough??" question) but the more I read personal accounts and stories from people, the more I realized that I did indeed fit the bill.
But I was working at CVS at the time, had no health insurance, was (and still am) paying off student loans... it just wasn't going to happen at that time. So for 5 years I did nothing. Just plucked away at life.
Then I got a new job with actual health insurance. Interest renewed. It would still be a couple of years before I even called to make a consultation but, I started looking into everything again.
So I came up with a list of questions and goals that needed to be answered and researched:
I would like to emphasize, I knew NOTHING about insurance going into this. But honestly, it's not that difficult. Go through it slowly, google any terms you don't know or understand, and don't be afraid to call or email your insurance to ask even the stupidest of questions. It's their job to answer your questions.
First, I found my insurance's policy for "Gender Affirming Services (Transgender Services)" which is its official title within my insurance. I read it several times, and in my case I was glad that the language avoided sticking strictly to the binary, because I was worried I wouldn't qualify. They used phrases like "gender identity other than that assigned at birth." I actually just looked at it now and it's been updated even further to be even more inclusive, which is nice. It has a list of services and surgeries that are covered, along with any requirements. I saved the pdf, as well as printed it and stuck it in a big 3-ring binder that would become my go-to resource.
Next I started looking at surgeons that accepted my insurance, and whose results and reviews seemed good enough for me. Transbucket was still working at the time, so I went through the images and wrote a list of surgeons down. I live in NY, which has a few good but long-waitlisted surgeons, so to keep things a little less complicated I decided to narrow the list down to NY surgeons. I read some sketchy things about Mt. Sinai's surgeons at the time, so I decided to nix them from the list. Ultimately I decided to go with Dr. Bluebond-Langner with NYU Langone. Knowing there was going to be a long wait to deal with the rest of my prep, I called to schedule a consult pretty much immediately after I made my choice. The consult wound up being a year later, so that gave me time and a concrete deadline to work toward.
Call date: January 2018
Consult date: January 2019
NYU Langone sent me a pretty comprehensive packet of info, including some requirements for getting surgery. Mainly it was a diagnosis of gender dysphoria and letter from a therapist, which would also cover my insurance requirements.
So my next step was finding a suitable therapist. I had already read about the long wait times between consults and surgery, so I didn't immediately jump into therapy. There was a long stretch of just doing nothing.
Initially I started out by using the "find a provider" tool on my insurance website to try and find a therapist, but it wasn't really getting me anywhere. BCBS's various websites suck ass. After having some initial talks with a few therapists, I found out it's kind of annoying for them to work with insurance in NY, so they work out of network but provide the receipts and codes for you to submit a claim on your own.
So instead I started by searching "WPATH therapist [location]" and scoped out the results. They weren't necessarily registered with WPATH, but they were at least familiar with it and that was the important factor, for me. I reached out to them explaining who I was, what my identity was, and that I was seeking a diagnosis and letter so that I could get top surgery. I told them that I was absolutely okay if they were uncomfortable with this and did not want to continue.
Everyone responded kindly and was down for it, but I was put off by the short responses from some of them or the informal abbreviations. In any other normal everyday situation I absolutely would not care, but I had taken the time to write this formal email where I basically bared my deepest secrets to them, and getting back a "k" was like... nah man. This ain't it.
Except one woman who responded with the kind of thoughtfulness and care I was expecting, and seemed like a perfect fit. I love her to death and I'm still having sessions with her on a regular basis.
Therapy start: May 2019
It was my first time being in therapy at all. Some of it was about my identity, some of it was just general life stuff, but she's great at guiding things along and she's not afraid to ask me if that's what I really think or if I'm just saying what I think she wants me to say, stuff like that. Also I've slipped out a few curses in front of her (I curse a LOT in casual conversation) so it's pretty funny when your therapist isn't afraid to say "fuck" in front of you now.
In November 2019 we worked on and finalized my letter. She had me read it a dozen times before I signed off on it, and we made sure all the pertinent info and requirements were in, including the diagnosis code for gender dysphoria. She faxed it over to the hospital and also gave me a copy. Ultimately the letter was good for one year but she made it clear that she would absolutely change the date and resubmit it if my surgery date wound up falling past that point.
A big source of my info on surgery, recovery, and good stuff to have around has come from blog posts and from this sub. You have been invaluable. It was good to see the gamut of recoveries from "ridiculously smooth" to "absolute hell" and help me plan for the worst case (which thankfully wasn't necessary).

The World's Longest Home Stretch AKA Approaching Surgery

Consult in January 2020 finally arrived. I was in the waiting room longer than I was actually in any part of the consult lmao. Dr. Bluebond-Langner is nice and great, let me be clear. But for her it was just another Tuesday, so she was basically just blasting right along and asking me questions while taking measurements of my chest. I had some questions and she was happy to answer but I was also just kind of nervous and caught up in the expediency of the whole process, so it was all done in like, 3 minutes.
Then the photographer team took photos of me shirtless in several positions and angles. Super, duper weird and awkward but they were extremely nice and professional, and pretty made it as un-weird as possible.
The good news is that they have a stellar patient portal where you can ask questions pretty much whenever you want, and they also sent me another email and another physical packet of information which largely covered anything I forgot to ask in my stupor.
About 3 days later I got my surgery date.
Surgery date: August 2020
Obviously COVID has been a hell of a thing. Appointments were pushed back, masks were worn, hand sanitizer was applied judiciously, temperatures were taken at doorways. I waited with bated breath to see if my appointment would be rescheduled. Thankfully I lucked out big time and hospitals started doing non-emergency surgeries again before my date came up, so they called and told me I was still on for August.
I had to have an appointment with my Primary Care Physician (PCP) and explain that I was having surgery and I was going to need a bunch of tests done, and the results sent to the hospital. My doctor's office is a teaching office, so I basically had to come out to my PCP and the student shadowing her, but it was all chill. My doctor told me that she has several trans patients now and they're seeing an increase in people who are more comfortable to come out, which is nice. So she was 100% down to do whatever tests the hospital needed.
In practice, getting the results in and to the hospital on time was a bit of a pain in the ass. I think technically several of my results were late but it didn't screw me over. The tests had to be done within a certain window before surgery (not too early, basically) but the processing took forever on a couple of them, and I had to ask and triple check with the doctor's office a few times because the hospital was still missing a couple of them. It was a bit of unnecessary stress leading up to surgery lol.
PTO scheduled, bag packed, took a train into the city for surgery.

Surgery Experience

First off, everyone at the hospital was super nice the entire time I was there.
You're not allowed to eat or drink after midnight the night before. That night I woke up every hour from a nightmare that I had accidentally eaten something.
I showed up in sweats and a hoodie, got my patient wrist band (with my preferred name!) and then waited for what felt like an eternity while my mom and I chatted.
Someone came and got me, I had to brush my teeth and use mouthwash (something about cutting down on possible infection), had me pee in a cup one last time, and gave me a gown. My mom was allowed to join me in the "staging area" where other people were stationed and waiting for their surgeries to start. It was just a lot of taking vitals, starting the IV, people introducing themselves to you and what their role was going to be in your surgery, Dr. Bluebond-Langner marking up my chest and asking me how I was feeling.
It was the most chill hospital experience I have ever had. Granted all of my other experiences were like, emergency room visits where things were much more hectic. This was all planned out, everyone was relaxed, everything was fine.
After that, one big nap. The last thing I remember was getting up on the table and apologizing for being in the way while someone said "don't be sorry, you're the star of the show, we're all here for you" and then I was out like a light.
Next time I woke up I was in the recovery wing, where they stash you before they bring you to your permanent room. Initially, I was pretty dizzy and out of it, but I was definitely waking up. They were getting ready to move me, so I had to stand up, but I somehow managed to pull one of the drain bulbs out (NOT the tube that was in my body, thank god) so I looked like I was in a horror movie with a big puddle of blood on my side lol. They had me swap gowns.
While this was going on and I was standing up, it was the only time I felt bad. I felt sick and I told someone I think I needed to sit down. As soon as I sat down in the wheelchair I immediately felt better, and they were ready to wheel me to my room.

Post-Op in the Hospital

Dr. Bluebond-Langner keeps people overnight, so I stayed the night in the hospital.
This is another area where I feel a little bad, but my recovery has been pretty stellar and apparently I'm part Wolverine from X-Men because doctors and nurses keep telling me that I'm healing really well. Almost immediately, I was fairly mobile. The anesthesia hasn't really hung around. I was walking city blocks upon city blocks to my post-op appointments, and I'd say maybe about 1 month post-op I really started getting my range of motion back in my arms. I'm a little over 2 months now post op and can fully raise my arms over my head, etc. My pain management was also basically nonexistent. I used some extra strength tylenol for a few days until I forgot to take it, realized I didn't really seem to need it, and just stopped from thereon out.
STILL NO LIFTING THOUGH! Everyone is adamant about that.
After my initial hiccup with the anesthesia, it wore off pretty fast. I was up and able to walk laps around the hospital without issue. The nurse taking care of me had to keep telling me to slow down. I was wide awake, chatting and eating full meals (side note: the hospital food there was REALLY GOOD). I was able to get in an out of bed on my own, I started stripping my own drains (scared the crap out of the nurse who just saw someone moving behind my door and didn't realize I was able to do it on my own).
A few times throughout my stay, either Dr. Bluebond-Langner herself or someone on her team would come by and undo my compression vest to check things out and make sure there were no issues.
If I had one complaint, it's the IV fluids. I had to pee CONSTANTLY.
My mom stayed with me until the end of visiting hours, chatting and doing her own work, occasionally helping me reach things, flagging down a nurse when I had to pee for the hundreth time, etc.
Otherwise, I was discharged the next morning. The Uber ride and subsequent train ride home were pretty smooth. I was worried that every little bump would kill me, but the tightness of the compression vest kept everything pretty secure.

Recovery at Home

I was pretty self-sufficient. We had already moved a bunch of water glasses onto the counter for easy access, and I had a bunch of reasonably healthy easy-cook food ready to go. I had an adjustable incline pillow for sleeping on my back and keeping me somewhat elevated, coupled with a neck pillow and a total blackout sleep mask. My dog kept me company.
Sleeping is honestly probably the worst part. I am very much a side and stomach sleeper. And although my recovery was pretty smooth, surgery is still surgery and I found it difficult to get a good, restful sleep through the general uncomfortableness.
Showering and bathing was probably the second worst part. Taking a shallow bath was definitely easier but I basically couldn't get really clean because I was constantly worried about accidentally pulling the drains, or getting something wet.
Part of my dismissal included a packet with a calendar for measuring and recording my drains. I tried to do that at about 9am and 9pm every day to keep an even 12 hour spread. I'm not a particularly squeamish person, but even I initially was a bit grossed out by the contents of the drains. I got used to it after a couple of days, though.
My drains were, mercifully, not painful or irritated at the drain sites. The only issue I had was a VERY small hematoma on my right side, down where the drain actually starts in your body. Emptying my drains on that side started to produce a slightly painful pinching feeling in that spot, and putting pressure on it would hurt a bit. I contacted the surgeon's office about it, and they gave me the option to come in, or just ride it out and let it reabsorb itself. I chose to leave it alone, and it started feeling better after a few days.
I had several post-op appointments, 1 each week after surgery for 3 weeks. First week was just a checkup, nothing super notable to be honest. Basically just a "holy crap you're only one week out? I would not have guessed, you're walking around just fine."
At 2 weeks, we took the drains out. Thank god, because I went back to work the next day and really needed a proper shower. I still had to keep the compression vest on, but I was at least allowed to take it off and wash it. That thing was rank. And I was allowed to wear deodorant.
At 3 weeks, I was officially allowed to take the vest off. They showed me how to do scar massaging, they did a quick draining of some fluid in both of my sides (in Dr. Bluebond-Langner's own words, she was being "nitpicky" about it because it was a minor amount, but figured she might as well just do it while I was there), made me promise I'd keep moisturizing my nipple scabs, and said they'll see me in a month.
The scabs fell off eventually by the way. I think one fell off at like 3 weeks, the other at 4. Yes, it looks terrifying. No, they didn't die. Yes, it's normal. It is weird to see the very pink, fresh skin underneath but that's normal.
Now I just oil up my scars with bio-oil every day and massage as part of my morning routine. I already made a previous post about my scars being hypertrophic and how I'm fine with that, and it might be hard to believe when you see hypertrophic scars, but they look and feel much better now than they did, and they're only going to keep getting better.
I was using the silicone strips, but my scars kinda go up near my arm pits and when I get sweaty at work, it makes them come loose. I was taping those parts but the tape irritates my skin, so I just stopped trying to make that work for now.

Closing

So that's where I'm at now. I feel much, much better. I stand taller instead of hunching over to try and hide my chest. I'm probably a lot older than a lot of folks in here who probably can't even imagine waiting until nearly 30 to get to some of these points. I guess if there's a takeaway it's 1) sometimes surgery goes pretty smoothly and 2) your life doesn't end if you don't transition before 18.
I THINK it's pretty comprehensive in here but, if there's a particular question you have about something feel free to ask.
submitted by CrimmsonWind to ftm [link] [comments]

Everything You Always Wanted To Know About Swaps* (*But Were Afraid To Ask)

Hello, dummies
It's your old pal, Fuzzy.
As I'm sure you've all noticed, a lot of the stuff that gets posted here is - to put it delicately - fucking ridiculous. More backwards-ass shit gets posted to wallstreetbets than you'd see on a Westboro Baptist community message board. I mean, I had a look at the daily thread yesterday and..... yeesh. I know, I know. We all make like the divine Laura Dern circa 1992 on the daily and stick our hands deep into this steaming heap of shit to find the nuggets of valuable and/or hilarious information within (thanks for reading, BTW). I agree. I love it just the way it is too. That's what makes WSB great.
What I'm getting at is that a lot of the stuff that gets posted here - notwithstanding it being funny or interesting - is just... wrong. Like, fucking your cousin wrong. And to be clear, I mean the fucking your *first* cousin kinda wrong, before my Southerners in the back get all het up (simmer down, Billy Ray - I know Mabel's twice removed on your grand-sister's side). Truly, I try to let it slide. I do my bit to try and put you on the right path. Most of the time, I sleep easy no matter how badly I've seen someone explain what a bank liquidity crisis is. But out of all of those tens of thousands of misguided, autistic attempts at understanding the world of high finance, one thing gets so consistently - so *emphatically* - fucked up and misunderstood by you retards that last night I felt obligated at the end of a long work day to pull together this edition of Finance with Fuzzy just for you. It's so serious I'm not even going to make a u/pokimane gag. Have you guessed what it is yet? Here's a clue. It's in the title of the post.
That's right, friends. Today in the neighborhood we're going to talk all about hedging in financial markets - spots, swaps, collars, forwards, CDS, synthetic CDOs, all that fun shit. Don't worry; I'm going to explain what all the scary words mean and how they impact your OTM RH positions along the way.
We're going to break it down like this. (1) "What's a hedge, Fuzzy?" (2) Common Hedging Strategies and (3) All About ISDAs and Credit Default Swaps.
Before we begin. For the nerds and JV traders in the back (and anyone else who needs to hear this up front) - I am simplifying these descriptions for the purposes of this post. I am also obviously not going to try and cover every exotic form of hedge under the sun or give a detailed summation of what caused the financial crisis. If you are interested in something specific ask a question, but don't try and impress me with your Investopedia skills or technical points I didn't cover; I will just be forced to flex my years of IRL experience on you in the comments and you'll look like a big dummy.
TL;DR? Fuck you. There is no TL;DR. You've come this far already. What's a few more paragraphs? Put down the Cheetos and try to concentrate for the next 5-7 minutes. You'll learn something, and I promise I'll be gentle.
Ready? Let's get started.
1. The Tao of Risk: Hedging as a Way of Life
The simplest way to characterize what a hedge 'is' is to imagine every action having a binary outcome. One is bad, one is good. Red lines, green lines; uppie, downie. With me so far? Good. A 'hedge' is simply the employment of a strategy to mitigate the effect of your action having the wrong binary outcome. You wanted X, but you got Z! Frowny face. A hedge strategy introduces a third outcome. If you hedged against the possibility of Z happening, then you can wind up with Y instead. Not as good as X, but not as bad as Z. The technical definition I like to give my idiot juniors is as follows:
Utilization of a defensive strategy to mitigate risk, at a fraction of the cost to capital of the risk itself.
Congratulations. You just finished Hedging 101. "But Fuzzy, that's easy! I just sold a naked call against my 95% OTM put! I'm adequately hedged!". Spoiler alert: you're not (although good work on executing a collar, which I describe below). What I'm talking about here is what would be referred to as a 'perfect hedge'; a binary outcome where downside is totally mitigated by a risk management strategy. That's not how it works IRL. Pay attention; this is the tricky part.
You can't take a single position and conclude that you're adequately hedged because risks are fluid, not static. So you need to constantly adjust your position in order to maximize the value of the hedge and insure your position. You also need to consider exposure to more than one category of risk. There are micro (specific exposure) risks, and macro (trend exposure) risks, and both need to factor into the hedge calculus.
That's why, in the real world, the value of hedging depends entirely on the design of the hedging strategy itself. Here, when we say "value" of the hedge, we're not talking about cash money - we're talking about the intrinsic value of the hedge relative to the the risk profile of your underlying exposure. To achieve this, people hedge dynamically. In wallstreetbets terms, this means that as the value of your position changes, you need to change your hedges too. The idea is to efficiently and continuously distribute and rebalance risk across different states and periods, taking value from states in which the marginal cost of the hedge is low and putting it back into states where marginal cost of the hedge is high, until the shadow value of your underlying exposure is equalized across your positions. The punchline, I guess, is that one static position is a hedge in the same way that the finger paintings you make for your wife's boyfriend are art - it's technically correct, but you're only playing yourself by believing it.
Anyway. Obviously doing this as a small potatoes trader is hard but it's worth taking into account. Enough basic shit. So how does this work in markets?
2. A Hedging Taxonomy
The best place to start here is a practical question. What does a business need to hedge against? Think about the specific risk that an individual business faces. These are legion, so I'm just going to list a few of the key ones that apply to most corporates. (1) You have commodity risk for the shit you buy or the shit you use. (2) You have currency risk for the money you borrow. (3) You have rate risk on the debt you carry. (4) You have offtake risk for the shit you sell. Complicated, right? To help address the many and varied ways that shit can go wrong in a sophisticated market, smart operators like yours truly have devised a whole bundle of different instruments which can help you manage the risk. I might write about some of the more complicated ones in a later post if people are interested (CDO/CLOs, strip/stack hedges and bond swaps with option toggles come to mind) but let's stick to the basics for now.
(i) Swaps
A swap is one of the most common forms of hedge instrument, and they're used by pretty much everyone that can afford them. The language is complicated but the concept isn't, so pay attention and you'll be fine. This is the most important part of this section so it'll be the longest one.
Swaps are derivative contracts with two counterparties (before you ask, you can't trade 'em on an exchange - they're OTC instruments only). They're used to exchange one cash flow for another cash flow of equal expected value; doing this allows you to take speculative positions on certain financial prices or to alter the cash flows of existing assets or liabilities within a business. "Wait, Fuzz; slow down! What do you mean sets of cash flows?". Fear not, little autist. Ol' Fuzz has you covered.
The cash flows I'm talking about are referred to in swap-land as 'legs'. One leg is fixed - a set payment that's the same every time it gets paid - and the other is variable - it fluctuates (typically indexed off the price of the underlying risk that you are speculating on / protecting against). You set it up at the start so that they're notionally equal and the two legs net off; so at open, the swap is a zero NPV instrument. Here's where the fun starts. If the price that you based the variable leg of the swap on changes, the value of the swap will shift; the party on the wrong side of the move ponies up via the variable payment. It's a zero sum game.
I'll give you an example using the most vanilla swap around; an interest rate trade. Here's how it works. You borrow money from a bank, and they charge you a rate of interest. You lock the rate up front, because you're smart like that. But then - quelle surprise! - the rate gets better after you borrow. Now you're bagholding to the tune of, I don't know, 5 bps. Doesn't sound like much but on a billion dollar loan that's a lot of money (a classic example of the kind of 'small, deep hole' that's terrible for profits). Now, if you had a swap contract on the rate before you entered the trade, you're set; if the rate goes down, you get a payment under the swap. If it goes up, whatever payment you're making to the bank is netted off by the fact that you're borrowing at a sub-market rate. Win-win! Or, at least, Lose Less / Lose Less. That's the name of the game in hedging.
There are many different kinds of swaps, some of which are pretty exotic; but they're all different variations on the same theme. If your business has exposure to something which fluctuates in price, you trade swaps to hedge against the fluctuation. The valuation of swaps is also super interesting but I guarantee you that 99% of you won't understand it so I'm not going to try and explain it here although I encourage you to google it if you're interested.
Because they're OTC, none of them are filed publicly. Someeeeeetimes you see an ISDA (dsicussed below) but the confirms themselves (the individual swaps) are not filed. You can usually read about the hedging strategy in a 10-K, though. For what it's worth, most modern credit agreements ban speculative hedging. Top tip: This is occasionally something worth checking in credit agreements when you invest in businesses that are debt issuers - being able to do this increases the risk profile significantly and is particularly important in times of economic volatility (ctrl+f "non-speculative" in the credit agreement to be sure).
(ii) Forwards
A forward is a contract made today for the future delivery of an asset at a pre-agreed price. That's it. "But Fuzzy! That sounds just like a futures contract!". I know. Confusing, right? Just like a futures trade, forwards are generally used in commodity or forex land to protect against price fluctuations. The differences between forwards and futures are small but significant. I'm not going to go into super boring detail because I don't think many of you are commodities traders but it is still an important thing to understand even if you're just an RH jockey, so stick with me.
Just like swaps, forwards are OTC contracts - they're not publicly traded. This is distinct from futures, which are traded on exchanges (see The Ballad Of Big Dick Vick for some more color on this). In a forward, no money changes hands until the maturity date of the contract when delivery and receipt are carried out; price and quantity are locked in from day 1. As you now know having read about BDV, futures are marked to market daily, and normally people close them out with synthetic settlement using an inverse position. They're also liquid, and that makes them easier to unwind or close out in case shit goes sideways.
People use forwards when they absolutely have to get rid of the thing they made (or take delivery of the thing they need). If you're a miner, or a farmer, you use this shit to make sure that at the end of the production cycle, you can get rid of the shit you made (and you won't get fucked by someone taking cash settlement over delivery). If you're a buyer, you use them to guarantee that you'll get whatever the shit is that you'll need at a price agreed in advance. Because they're OTC, you can also exactly tailor them to the requirements of your particular circumstances.
These contracts are incredibly byzantine (and there are even crazier synthetic forwards you can see in money markets for the true degenerate fund managers). In my experience, only Texan oilfield magnates, commodities traders, and the weirdo forex crowd fuck with them. I (i) do not own a 10 gallon hat or a novelty size belt buckle (ii) do not wake up in the middle of the night freaking out about the price of pork fat and (iii) love greenbacks too much to care about other countries' monopoly money, so I don't fuck with them.
(iii) Collars
No, not the kind your wife is encouraging you to wear try out to 'spice things up' in the bedroom during quarantine. Collars are actually the hedging strategy most applicable to WSB. Collars deal with options! Hooray!
To execute a basic collar (also called a wrapper by tea-drinking Brits and people from the Antipodes), you buy an out of the money put while simultaneously writing a covered call on the same equity. The put protects your position against price drops and writing the call produces income that offsets the put premium. Doing this limits your tendies (you can only profit up to the strike price of the call) but also writes down your risk. If you screen large volume trades with a VOL/OI of more than 3 or 4x (and they're not bullshit biotech stocks), you can sometimes see these being constructed in real time as hedge funds protect themselves on their shorts.
(3) All About ISDAs, CDS and Synthetic CDOs
You may have heard about the mythical ISDA. Much like an indenture (discussed in my post on $F), it's a magic legal machine that lets you build swaps via trade confirms with a willing counterparty. They are very complicated legal documents and you need to be a true expert to fuck with them. Fortunately, I am, so I do. They're made of two parts; a Master (which is a form agreement that's always the same) and a Schedule (which amends the Master to include your specific terms). They are also the engine behind just about every major credit crunch of the last 10+ years.
First - a brief explainer. An ISDA is a not in and of itself a hedge - it's an umbrella contract that governs the terms of your swaps, which you use to construct your hedge position. You can trade commodities, forex, rates, whatever, all under the same ISDA.
Let me explain. Remember when we talked about swaps? Right. So. You can trade swaps on just about anything. In the late 90s and early 2000s, people had the smart idea of using other people's debt and or credit ratings as the variable leg of swap documentation. These are called credit default swaps. I was actually starting out at a bank during this time and, I gotta tell you, the only thing I can compare people's enthusiasm for this shit to was that moment in your early teens when you discover jerking off. Except, unlike your bathroom bound shame sessions to Mom's Sears catalogue, every single person you know felt that way too; and they're all doing it at once. It was a fiscal circlejerk of epic proportions, and the financial crisis was the inevitable bukkake finish. WSB autism is absolutely no comparison for the enthusiasm people had during this time for lighting each other's money on fire.
Here's how it works. You pick a company. Any company. Maybe even your own! And then you write a swap. In the swap, you define "Credit Event" with respect to that company's debt as the variable leg . And you write in... whatever you want. A ratings downgrade, default under the docs, failure to meet a leverage ratio or FCCR for a certain testing period... whatever. Now, this started out as a hedge position, just like we discussed above. The purest of intentions, of course. But then people realized - if bad shit happens, you make money. And banks... don't like calling in loans or forcing bankruptcies. Can you smell what the moral hazard is cooking?
Enter synthetic CDOs. CDOs are basically pools of asset backed securities that invest in debt (loans or bonds). They've been around for a minute but they got famous in the 2000s because a shitload of them containing subprime mortgage debt went belly up in 2008. This got a lot of publicity because a lot of sad looking rednecks got foreclosed on and were interviewed on CNBC. "OH!", the people cried. "Look at those big bad bankers buying up subprime loans! They caused this!". Wrong answer, America. The debt wasn't the problem. What a lot of people don't realize is that the real meat of the problem was not in regular way CDOs investing in bundles of shit mortgage debts in synthetic CDOs investing in CDS predicated on that debt. They're synthetic because they don't have a stake in the actual underlying debt; just the instruments riding on the coattails. The reason these are so popular (and remain so) is that smart structured attorneys and bankers like your faithful correspondent realized that an even more profitable and efficient way of building high yield products with limited downside was investing in instruments that profit from failure of debt and in instruments that rely on that debt and then hedging that exposure with other CDS instruments in paired trades, and on and on up the chain. The problem with doing this was that everyone wound up exposed to everybody else's books as a result, and when one went tits up, everybody did. Hence, recession, Basel III, etc. Thanks, Obama.
Heavy investment in CDS can also have a warping effect on the price of debt (something else that happened during the pre-financial crisis years and is starting to happen again now). This happens in three different ways. (1) Investors who previously were long on the debt hedge their position by selling CDS protection on the underlying, putting downward pressure on the debt price. (2) Investors who previously shorted the debt switch to buying CDS protection because the relatively illiquid debt (partic. when its a bond) trades at a discount below par compared to the CDS. The resulting reduction in short selling puts upward pressure on the bond price. (3) The delta in price and actual value of the debt tempts some investors to become NBTs (neg basis traders) who long the debt and purchase CDS protection. If traders can't take leverage, nothing happens to the price of the debt. If basis traders can take leverage (which is nearly always the case because they're holding a hedged position), they can push up or depress the debt price, goosing swap premiums etc. Anyway. Enough technical details.
I could keep going. This is a fascinating topic that is very poorly understood and explained, mainly because the people that caused it all still work on the street and use the same tactics today (it's also terribly taught at business schools because none of the teachers were actually around to see how this played out live). But it relates to the topic of today's lesson, so I thought I'd include it here.
Work depending, I'll be back next week with a covenant breakdown. Most upvoted ticker gets the post.
*EDIT 1\* In a total blowout, $PLAY won. So it's D&B time next week. Post will drop Monday at market open.
submitted by fuzzyblankeet to wallstreetbets [link] [comments]

Looking for therapy options

I have insurance that covers CBT and other in person talk therapy but I’ve stalled out pulling the trigger on getting back into therapy because 1) in person things are tricky but that’s what I really want 2) I don’t know what online options are supportive of non-binary people.
I’m in a mental state right now where if I get hit with a form that asks me whether I’m a man or a woman and won’t let me continue past it without answering, I will just give up and move on to another option. I am so mentally exhausted I cannot take misgendering myself to get medical/mental health treatment anymore.
What online options have other non-binary people used successfully and what were the approximate financial costs? If you had insurance, were you able to bill or not? Was it difficult to find someone supportive of your gender who also didn’t focus on it and let the treatment focus on other issues instead?
Tia, love you all for helping me keep going right now.
submitted by wakkawakkahideaway to NonBinary [link] [comments]

Wall Street Week Ahead for the trading week beginning June 29th, 2020

Good Saturday afternoon to all of you here on StockMarket. I hope everyone on this sub made out pretty nicely in the market this past week, and is ready for the new trading week ahead.
Here is everything you need to know to get you ready for the trading week beginning June 29th, 2020.

Fragile economic recovery faces first big test with June jobs report in the week ahead - (Source)

The second half of 2020 is nearly here, and now it’s up to the economy to prove that the stock market was right about a sharp comeback in growth.
The first big test will be the June jobs report, out on Thursday instead of its usual Friday release due to the July 4 holiday. According to Refinitiv, economists expect 3 million jobs were created, after May’s surprise gain of 2.5 million payrolls beat forecasts by a whopping 10 million jobs.
“If it’s stronger, it will suggest that the improvement is quicker, and that’s kind of what we saw in May with better retail sales, confidence was coming back a little and auto sales were better,” said Kevin Cummins, chief U.S. economist at NatWest Markets.
The second quarter winds down in the week ahead as investors are hopeful about the recovery but warily eyeing rising cases of Covid-19 in a number of states.
Stocks were lower for the week, as markets reacted to rising cases in Texas, Florida and other states. Investors worry about the threat to the economic rebound as those states move to curb some activities. The S&P 500 is up more than 16% so far for the second quarter, and it is down nearly 7% for the year. Friday’s losses wiped out the last of the index’s June gains.
“I think the stock market is looking beyond the valley. It is expecting a V-shaped economic recovery and a solid 2021 earnings picture,” said Sam Stovall, chief investment strategist at CFRA. He expects large-cap company earnings to be up 30% next year, and small-cap profits to bounce back by 140%.
“I think the second half needs to be a ‘show me’ period, proving that our optimism was justified, and we’ll need to see continued improvement in the economic data, and I think we need to see upward revisions to earnings estimates,” Stovall said.
Liz Ann Sonders, chief investment strategist at Charles Schwab, said she expects the recovery will not be as smooth as some expect, particularly considering the resurgence of virus outbreaks in sunbelt states and California.
“Now as I watch what’s happening I think it’s more likely to be rolling Ws,” rather than a V, she said. “It’s not just predicated on a second wave. I’m not sure we ever exited the first wave.”
Even without actual state shutdowns, the virus could slow economic activity. “That doesn’t mean businesses won’t shut themselves down, or consumers won’t back down more,” she said.

Election ahead

In the second half of the year, the market should turn its attention to the election, but Sonders does not expect much reaction to it until after Labor Day. RealClearPolitics average of polls shows Democrat Joe Biden leading President Donald Trump by 10 percentage points, and the odds of a Democratic sweep have been rising.
Biden has said he would raise corporate taxes, and some strategists say a sweep would be bad for business, due to increased regulation and higher taxes. Trump is expected to continue using tariffs, which unsettles the market, though both candidates are expected to take a tough stance on China.
“If it looks like the Senate stays Republican than there’s less to worry about in terms of policy changes,” Sonders said. “I don’t think it’s ever as binary as some people think.”
Stovall said a quick study shows that in the four presidential election years back to 1960, where the first quarter was negative, and the second quarter positive, stocks made gains in the second half.
Those were 1960 when John Kennedy took office, 1968, when Richard Nixon won; 1980 when Ronald Reagan’s was elected to his first term; and 1992, the first win by Bill Clinton. Coincidentally, in all of those years, the opposing party gained control of the White House.

Stimulus

The stocks market’s strong second-quarter showing came after the Fed and Congress moved quickly to inject the economy with trillions in stimulus. That unlocked credit markets and triggered a stampede by companies to restructure or issue debt. About $2 trillion in fiscal spending was aimed at consumers and businesses, who were in sudden need of cash after the abrupt shutdown of the economy.
Fed Chairman Jerome Powell and Treasury Secretary Steven Mnuchin both testify before the House Financial Services Committee Tuesday on the response to the virus. That will be important as markets look ahead to another fiscal package from Congress this summer, which is expected to provide aid to states and local governments; extend some enhanced benefits for unemployment, and provide more support for businesses.
“So much of it is still so fluid. There are a bunch of fiscal items that are rolling off. There’s talk about another fiscal stimulus payment like they did last time with a $1,200 check,” said Cummins.
Strategists expect Congress to bicker about the size and content of the stimulus package but ultimately come to an agreement before enhanced unemployment benefits run out at the end of July. Cummins said state budgets begin a new year July 1, and states with a critical need for funds may have to start letting workers go, as they cut expenses.
The Trump administration has indicated the jobs report Thursday could help shape the fiscal package, depending on what it shows. The federal supplement to state unemployment benefits has been $600 a week, but there is opposition to extending that, and strategists expect it to be at least cut in half.
The unemployment rate is expected to fall to 12.2% from 13.3% in May. Cummins said he had expected 7.2 million jobs, well above the consensus, and an unemployment rate of 11.8%.
As of last week, nearly 20 million people were collecting state unemployment benefits, and millions more were collecting under a federal pandemic aid program.
“The magnitude here and whether it’s 3 million or 7 million is kind of hard to handicap to begin with,” Cummins said. Economists have preferred to look at unemployment claims as a better real time read of employment, but they now say those numbers could be impacted by slow reporting or double filing.
“There’s no clarity on how you define the unemployed in the Covid 19 environment,” said Chris Rupkey, chief financial economist at MUFG Union Bank. “If there’s 30 million people receiving insurance, unemployment should be above 20%.

This past week saw the following moves in the S&P:

(CLICK HERE FOR THE FULL S&P TREE MAP FOR THE PAST WEEK!)

Major Indices for this past week:

(CLICK HERE FOR THE MAJOR INDICES FOR THE PAST WEEK!)

Major Futures Markets as of Friday's close:

(CLICK HERE FOR THE MAJOR FUTURES INDICES AS OF FRIDAY!)

Economic Calendar for the Week Ahead:

(CLICK HERE FOR THE FULL ECONOMIC CALENDAR FOR THE WEEK AHEAD!)

Percentage Changes for the Major Indices, WTD, MTD, QTD, YTD as of Friday's close:

(CLICK HERE FOR THE CHART!)

S&P Sectors for the Past Week:

(CLICK HERE FOR THE CHART!)

Major Indices Pullback/Correction Levels as of Friday's close:

(CLICK HERE FOR THE CHART!

Major Indices Rally Levels as of Friday's close:

(CLICK HERE FOR THE CHART!)

Most Anticipated Earnings Releases for this week:

(CLICK HERE FOR THE CHART!)

Here are the upcoming IPO's for this week:

(CLICK HERE FOR THE CHART!)

Friday's Stock Analyst Upgrades & Downgrades:

(CLICK HERE FOR THE CHART LINK #1!)
(CLICK HERE FOR THE CHART LINK #2!)

When Will The Economy Recover?

The economy is moving in the right direction, as many economic data points are coming in substantially better than what the economists expected. From May job gains coming in more than 10 million higher than expected and retail sales soaring a record 18%, how quickly the economy is bouncing back has surprised nearly everyone.
“As good as the recent economic data has been, we want to make it clear, it could still take years for the economy to fully come back,” explained LPL Financial Senior Market Strategist Ryan Detrick. “Think of it like building a house. You get all the big stuff done early, then some of the small things take so much longer to finish; I’m looking at you crown molding.”
Here’s the hard truth; it might take years for all of the jobs that were lost to fully recover. In fact, during the 10 recessions since 1950, it took an average of 30 months for lost jobs to finally come back. As the LPL Chart of the Day shows, recoveries have taken much longer lately. In fact, it took four years for the jobs lost during the tech bubble recession of the early 2000s to come back and more than six years for all the jobs lost to come back after the Great Recession. Given many more jobs were lost during this recession, it could takes many years before all of them indeed come back.
(CLICK HERE FOR THE CHART!)
The economy is going the right direction, and if there is no major second wave outbreak it could surprise to the upside. Importantly, this economic recovery will still be a long and bumpy road.

Nasdaq - Russell Spread Pulling the Rubber Band Tight

The Nasdaq has been outperforming every other US-based equity index over the last year, and nowhere has the disparity been wider than with small caps. The chart below compares the performance of the Nasdaq and Russell 2000 over the last 12 months. While the performance disparity is wide now, through last summer, the two indices were tracking each other nearly step for step. Then last fall, the Nasdaq started to steadily pull ahead before really separating itself in the bounce off the March lows. Just to illustrate how wide the gap between the two indices has become, over the last six months, the Nasdaq is up 11.9% compared to a decline of 15.8% for the Russell 2000. That's wide!
(CLICK HERE FOR THE CHART!)
In order to put the recent performance disparity between the two indices into perspective, the chart below shows the rolling six-month performance spread between the two indices going back to 1980. With a current spread of 27.7 percentage points, the gap between the two indices hasn't been this wide since the days of the dot-com boom. Back in February 2000, the spread between the two indices widened out to more than 50 percentage points. Not only was that period extreme, but ten months before that extreme reading, the spread also widened out to more than 51 percentage points. The current spread is wide, but with two separate periods in 1999 and 2000 where the performance gap between the two indices was nearly double the current level, that was a period where the Nasdaq REALLY outperformed small caps.
(CLICK HERE FOR THE CHART!)
To illustrate the magnitude of the Nasdaq's outperformance over the Russell 2000 from late 1998 through early 2000, the chart below shows the performance of the two indices beginning in October 1998. From that point right on through March of 2000 when the Nasdaq peaked, the Nasdaq rallied more than 200% compared to the Russell 2000 which was up a relatively meager 64%. In any other environment, a 64% gain in less than a year and a half would be excellent, but when it was under the shadow of the surging Nasdaq, it seemed like a pittance.
(CLICK HERE FOR THE CHART!)

Share Price Performance

The US equity market made its most recent peak on June 8th. From the March 23rd low through June 8th, the average stock in the large-cap Russell 1,000 was up more than 65%! Since June 8th, the average stock in the index is down more than 11%. Below we have broken the index into deciles (10 groups of 100 stocks each) based on simple share price as of June 8th. Decile 1 (marked "Highest" in the chart) contains the 10% of stocks with the highest share prices. Decile 10 (marked "Lowest" in the chart) contains the 10% of stocks with the lowest share prices. As shown, the highest priced decile of stocks are down an average of just 4.8% since June 8th, while the lowest priced decile of stocks are down an average of 21.5%. It's pretty remarkable how performance gets weaker and weaker the lower the share price gets.
(CLICK HERE FOR THE CHART!)

Nasdaq 2% Pullbacks From Record Highs

It's hard to believe that sentiment can change so fast in the market that one day investors and traders are bidding up stocks to record highs, but then the next day sell them so much that it takes the market down over 2%. That's exactly what happened not only in the last two days but also two weeks ago. While the 5% pullback from a record high back on June 10th took the Nasdaq back below its February high, this time around, the Nasdaq has been able to hold above those February highs.
(CLICK HERE FOR THE CHART!)
In the entire history of the Nasdaq, there have only been 12 periods prior to this week where the Nasdaq closed at an all-time high on one day but dropped more than 2% the next day. Those occurrences are highlighted in the table below along with the index's performance over the following week, month, three months, six months, and one year. We have also highlighted each occurrence that followed a prior one by less than three months in gray. What immediately stands out in the table is how much gray shading there is. In other words, these types of events tend to happen in bunches, and if you count the original occurrence in each of the bunches, the only two occurrences that didn't come within three months of another occurrence (either before or after) were July 1986 and May 2017.
In terms of market performance following prior occurrences, the Nasdaq's average and median returns were generally below average, but there is a pretty big caveat. While the average one-year performance was a gain of 1.0% and a decline of 23.6% on a median basis, the six occurrences that came between December 1999 and March 2000 all essentially cover the same period (which was very bad) and skew the results. Likewise, the three occurrences in the two-month stretch from late November 1998 through January 1999 where the Nasdaq saw strong gains also involves a degree of double-counting. As a result of these performances at either end of the extreme, it's hard to draw any trends from the prior occurrences except to say that they are typically followed by big moves in either direction. The only time the Nasdaq wasn't either 20% higher or lower one year later was in 1986.
(CLICK HERE FOR THE CHART!)

Christmas in July: NASDAQ’s Mid-Year Rally

In the mid-1980s the market began to evolve into a tech-driven market and the market’s focus in early summer shifted to the outlook for second quarter earnings of technology companies. Over the last three trading days of June and the first nine trading days in July, NASDAQ typically enjoys a rally. This 12-day run has been up 27 of the past 35 years with an average historical gain of 2.5%. This year the rally may have begun a day early, today and could last until on or around July 14.
After the bursting of the tech bubble in 2000, NASDAQ’s mid-year rally had a spotty track record from 2002 until 2009 with three appearances and five no-shows in those years. However, it has been quite solid over the last ten years, up nine times with a single mild 0.1% loss in 2015. Last year, NASDAQ advanced a solid 4.6% during the 12-day span.
(CLICK HERE FOR THE CHART!)

Tech Historically Leads Market Higher Until Q3 of Election Years

As of yesterday’s close DJIA was down 8.8% year-to-date. S&P 500 was down 3.5% and NASDAQ was up 12.1%. Compared to the typical election year, DJIA and S&P 500 are below historical average performance while NASDAQ is above average. However this year has not been a typical election year. Due to the covid-19, the market suffered the damage of the shortest bear market on record and a new bull market all before the first half of the year has come to an end.
In the surrounding Seasonal Patten Charts of DJIA, S&P 500 and NASDAQ, we compare 2020 (as of yesterday’s close) to All Years and Election Years. This year’s performance has been plotted on the right vertical axis in each chart. This year certainly has been unlike any other however some notable observations can be made. For DJIA and S&P 500, January, February and approximately half of March have historically been weak, on average, in election years. This year the bear market ended on March 23. Following those past weak starts, DJIA and S&P 500 historically enjoyed strength lasting into September before experiencing any significant pullback followed by a nice yearend rally. NASDAQ’s election year pattern differs somewhat with six fewer years of data, but it does hint to a possible late Q3 peak.
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)

STOCK MARKET VIDEO: Stock Market Analysis Video for Week Ending June 26th, 2020

(CLICK HERE FOR THE YOUTUBE VIDEO!

STOCK MARKET VIDEO: ShadowTrader Video Weekly 6.28.20

(CLICK HERE FOR THE YOUTUBE VIDEO!)
Here are the most notable companies (tickers) reporting earnings in this upcoming trading week ahead-
  • $MU
  • $GIS
  • $FDX
  • $CAG
  • $STZ
  • $CPRI
  • $XYF
  • $AYI
  • $MEI
  • $UNF
  • $CDMO
  • $SCHN
  • $LNN
  • $CULP
  • $XELA
  • $KFY
  • $RTIX
  • $JRSH
(CLICK HERE FOR NEXT WEEK'S MOST NOTABLE EARNINGS RELEASES!)
(CLICK HERE FOR NEXT WEEK'S HIGHEST VOLATILITY EARNINGS RELEASES!)
(CLICK HERE FOR MOST NOTABLE EARNINGS RELEASES FOR THE NEXT 4 WEEKS!)
Below are some of the notable companies coming out with earnings releases this upcoming trading week ahead which includes the date/time of release & consensus estimates courtesy of Earnings Whispers:

Monday 6.29.20 Before Market Open:

([CLICK HERE FOR MONDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!]())
NONE.

Monday 6.29.20 After Market Close:

(CLICK HERE FOR MONDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 6.30.20 Before Market Open:

(CLICK HERE FOR TUESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 6.30.20 After Market Close:

(CLICK HERE FOR TUESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Wednesday 7.1.20 Before Market Open:

(CLICK HERE FOR WEDNESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Wednesday 7.1.20 After Market Close:

([CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!]())
NONE.

Thursday 7.2.20 Before Market Open:

(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Thursday 7.2.20 After Market Close:

([CLICK HERE FOR THURSDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!]())
NONE.

Friday 7.3.20 Before Market Open:

([CLICK HERE FOR FRIDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!]())
NONE.

Friday 7.3.20 After Market Close:

([CLICK HERE FOR FRIDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!]())
NONE.

Micron Technology, Inc. $48.49

Micron Technology, Inc. (MU) is confirmed to report earnings at approximately 4:00 PM ET on Monday, June 29, 2020. The consensus earnings estimate is $0.71 per share on revenue of $5.27 billion and the Earnings Whisper ® number is $0.70 per share. Investor sentiment going into the company's earnings release has 71% expecting an earnings beat The company's guidance was for earnings of $0.40 to $0.70 per share. Consensus estimates are for earnings to decline year-over-year by 29.00% with revenue increasing by 10.07%. Short interest has increased by 7.6% since the company's last earnings release while the stock has drifted higher by 8.0% from its open following the earnings release to be 0.9% below its 200 day moving average of $48.94. Overall earnings estimates have been revised lower since the company's last earnings release. On Thursday, June 11, 2020 there was some notable buying of 46,037 contracts of the $60.00 call expiring on Friday, July 17, 2020. Option traders are pricing in a 4.6% move on earnings and the stock has averaged a 8.4% move in recent quarters.

(CLICK HERE FOR THE CHART!)

General Mills, Inc. $59.21

General Mills, Inc. (GIS) is confirmed to report earnings at approximately 7:00 AM ET on Wednesday, July 1, 2020. The consensus earnings estimate is $1.04 per share on revenue of $4.89 billion and the Earnings Whisper ® number is $1.10 per share. Investor sentiment going into the company's earnings release has 69% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 25.30% with revenue increasing by 17.50%. Short interest has decreased by 9.4% since the company's last earnings release while the stock has drifted higher by 2.7% from its open following the earnings release to be 7.8% above its 200 day moving average of $54.91. Overall earnings estimates have been revised higher since the company's last earnings release. On Wednesday, June 24, 2020 there was some notable buying of 8,573 contracts of the $60.00 call expiring on Friday, July 17, 2020. Option traders are pricing in a 6.6% move on earnings and the stock has averaged a 3.0% move in recent quarters.

(CLICK HERE FOR THE CHART!)

FedEx Corp. $130.08

FedEx Corp. (FDX) is confirmed to report earnings at approximately 4:00 PM ET on Tuesday, June 30, 2020. The consensus earnings estimate is $1.42 per share on revenue of $16.31 billion and the Earnings Whisper ® number is $1.65 per share. Investor sentiment going into the company's earnings release has 61% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 71.66% with revenue decreasing by 8.41%. Short interest has increased by 10.4% since the company's last earnings release while the stock has drifted higher by 43.9% from its open following the earnings release to be 7.6% below its 200 day moving average of $140.75. Overall earnings estimates have been revised lower since the company's last earnings release. On Thursday, June 25, 2020 there was some notable buying of 1,768 contracts of the $145.00 call expiring on Thursday, July 2, 2020. Option traders are pricing in a 4.6% move on earnings and the stock has averaged a 7.7% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Conagra Brands, Inc. $32.64

Conagra Brands, Inc. (CAG) is confirmed to report earnings at approximately 7:30 AM ET on Tuesday, June 30, 2020. The consensus earnings estimate is $0.66 per share on revenue of $3.24 billion and the Earnings Whisper ® number is $0.69 per share. Investor sentiment going into the company's earnings release has 66% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 83.33% with revenue increasing by 23.99%. Short interest has decreased by 38.3% since the company's last earnings release while the stock has drifted higher by 6.3% from its open following the earnings release to be 6.4% above its 200 day moving average of $30.68. Overall earnings estimates have been revised higher since the company's last earnings release. On Thursday, June 11, 2020 there was some notable buying of 3,239 contracts of the $29.00 put expiring on Thursday, July 2, 2020. Option traders are pricing in a 4.7% move on earnings and the stock has averaged a 10.8% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Constellation Brands, Inc. $168.99

Constellation Brands, Inc. (STZ) is confirmed to report earnings at approximately 7:30 AM ET on Wednesday, July 1, 2020. The consensus earnings estimate is $1.91 per share on revenue of $1.97 billion and the Earnings Whisper ® number is $2.12 per share. Investor sentiment going into the company's earnings release has 53% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 13.57% with revenue decreasing by 13.69%. Short interest has increased by 20.8% since the company's last earnings release while the stock has drifted higher by 25.2% from its open following the earnings release to be 5.2% below its 200 day moving average of $178.34. Overall earnings estimates have been revised lower since the company's last earnings release. On Tuesday, June 9, 2020 there was some notable buying of 888 contracts of the $195.00 call expiring on Friday, October 16, 2020. Option traders are pricing in a 3.1% move on earnings and the stock has averaged a 5.7% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Capri Holdings Limited $14.37

Capri Holdings Limited (CPRI) is confirmed to report earnings at approximately 6:30 AM ET on Wednesday, July 1, 2020. The consensus earnings estimate is $0.32 per share on revenue of $1.18 billion and the Earnings Whisper ® number is $0.34 per share. Investor sentiment going into the company's earnings release has 39% expecting an earnings beat The company's guidance was for earnings of $0.68 to $0.73 per share. Consensus estimates are for earnings to decline year-over-year by 49.21% with revenue decreasing by 12.20%. Short interest has increased by 35.1% since the company's last earnings release while the stock has drifted lower by 56.7% from its open following the earnings release to be 44.0% below its 200 day moving average of $25.67. Overall earnings estimates have been revised lower since the company's last earnings release. On Thursday, June 4, 2020 there was some notable buying of 11,042 contracts of the $17.50 put expiring on Friday, August 21, 2020. Option traders are pricing in a 10.8% move on earnings and the stock has averaged a 6.7% move in recent quarters.

(CLICK HERE FOR THE CHART!)

X Financial $0.92

X Financial (XYF) is confirmed to report earnings at approximately 5:00 PM ET on Tuesday, June 30, 2020. The consensus earnings estimate is $0.09 per share. Investor sentiment going into the company's earnings release has 25% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 55.00% with revenue increasing by 763.52%. Short interest has increased by 1.0% since the company's last earnings release while the stock has drifted lower by 1.2% from its open following the earnings release to be 37.7% below its 200 day moving average of $1.47. Overall earnings estimates have been unchanged since the company's last earnings release. The stock has averaged a 4.9% move on earnings in recent quarters.

(CLICK HERE FOR THE CHART!)

Acuity Brands, Inc. $84.45

Acuity Brands, Inc. (AYI) is confirmed to report earnings at approximately 8:40 AM ET on Tuesday, June 30, 2020. The consensus earnings estimate is $1.14 per share on revenue of $809.25 million and the Earnings Whisper ® number is $1.09 per share. Investor sentiment going into the company's earnings release has 42% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 51.90% with revenue decreasing by 14.60%. Short interest has increased by 48.5% since the company's last earnings release while the stock has drifted higher by 2.4% from its open following the earnings release to be 23.4% below its 200 day moving average of $110.25. Overall earnings estimates have been revised lower since the company's last earnings release. Option traders are pricing in a 9.2% move on earnings and the stock has averaged a 8.2% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Methode Electronics, Inc. $30.02

Methode Electronics, Inc. (MEI) is confirmed to report earnings at approximately 7:00 AM ET on Tuesday, June 30, 2020. The consensus earnings estimate is $0.77 per share on revenue of $211.39 million. Investor sentiment going into the company's earnings release has 45% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 24.19% with revenue decreasing by 20.53%. Short interest has increased by 6.2% since the company's last earnings release while the stock has drifted lower by 1.7% from its open following the earnings release to be 9.0% below its 200 day moving average of $32.97. Overall earnings estimates have been revised lower since the company's last earnings release. Option traders are pricing in a 18.4% move on earnings and the stock has averaged a 8.1% move in recent quarters.

(CLICK HERE FOR THE CHART!)

UniFirst Corporation $170.54

UniFirst Corporation (UNF) is confirmed to report earnings at approximately 8:00 AM ET on Wednesday, July 1, 2020. The consensus earnings estimate is $1.17 per share on revenue of $378.28 million and the Earnings Whisper ® number is $1.25 per share. Investor sentiment going into the company's earnings release has 44% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 52.44% with revenue decreasing by 16.63%. Short interest has decreased by 2.7% since the company's last earnings release while the stock has drifted higher by 14.1% from its open following the earnings release to be 8.4% below its 200 day moving average of $186.14. Overall earnings estimates have been revised lower since the company's last earnings release. The stock has averaged a 7.0% move on earnings in recent quarters.

(CLICK HERE FOR THE CHART!)

DISCUSS!

What are you all watching for in this upcoming trading week?
I hope you all have a wonderful weekend and a great trading week ahead StockMarket.
submitted by bigbear0083 to StockMarket [link] [comments]

Extons: Trade your digital assets with confidence

The financial market is a place where goods are exchanged between two people. There are different mediums people use to exchange their goods and commodities. According to the financial market, there are six(6) different types of financial markets which are: the derivative market, the bond market, the commodity market, cryptocurrency, binary option trading and the stock market. The financial market performs different functions amd makes transactions easier and profitably. The financial market benefits every one of us in one way or the other, either directly or indirectly.
INTRODUCTION TO EXTONS: Extons is a cryptocurrency exchange platform that looks into finding the solution to the many problems the DeFi world faces. Extons advanced tools and methods makes transaction processes easier and faster. Extons exchange is for every trader, professional or learner. It is an experienced crypto exchange but yet, it is simplified for users and gives them good aptitude in trading digital assets.
Extons plans to change the look of crypto trading system by: 1. Transaction: The transaction processes of exchange platforms is what most traders consider when picking a crypto exchange platform to trade on. Extons lowers the transaction costs that users use while trading. The reduction of these fees gives traders access to their total profits. It is one of the factors that has gathered enough users on the Extons platform in order to experience what Extons has to offer. 2. Security: Traders also consider security when picking a suitable crypto exchange platform. Security of one's funds makes traders at peace when trading. Extons exchange has a safeguarded security system that protects users data from hackers. 3. Speed: Extons adopts technologies that have high processing capabilities that gives it the capacity to carry out different transactions in seconds to avoid keeping users waiting.
TONS TOKEN: TONS is the token used on Extons crypto exchange platform. It is built on the Tron blockchain network. TONS token is made available on the Extons platform to carry out transactional activities and will also be used by project owners and traders to to list their project on exchanges and pay for trading fees. The TONS token has been listed on popular exchanges to give users more access to the token and also encourage the acceptance of cryptocurrencies. 180.000.000 TONS will be distributed among team development, marketing, saving, profit saving, partner, insurance fund
CONCLUSION: Extons is a trustworthy cryptocurrency exchange platform that eliminates all the problems traders face in other exchanges. Extons has an upgraded system to deliver the best to their traders. Traders trade with Extons because it is secure to keep their funds in. It's transaction fees are also affordable for the traders unlike the high fees other exchanges charge. Extons plans to fully eliminate traditional exchanges by bringing in an ideal exchange that will attend to all the needs of the traders. It is an exchange that has brought about an improved way to trade digital assets and receive large products from your trade. Extons seeks to be a good reputation to the cryptocurrency world.
submitted by Ambestmanbuka to AltcoinTrader [link] [comments]

Advekit.com review - finding therapists by specialty (ADHD!) + insurance type / therapy style

tl;dr potential holy grail for US folk in certain states: Advekit is a website that matches you+therapists by specialty area (e.g. ADHD!) + insurance/therapy style. Also shows upfront costs - what you'd actually pay after insurance.
Disclaimer: I'm not affiliated with it in any way other than hope + curiosity. I am not a therapist or credentialed mental health provider. Cross-posting to a few mental health subs.
Has anyone used it and would be able to share their experiences?
Anyone now inspired to use it who can report back to the sub with your thoughts?
----
I keep seeing ads for Advekit. It looks like a rad tool if you're in the US (currently only 7 states) and trying to find a therapist that checks all the boxes (ADHD, in-network or affordable, therapy style, particular gender, in-person or online-only, etc etc).
Finding a care team (therapist, psychiatrist, other) who truly understands ADHD SHOULD NOT BE A CRAPSHOOT. It should not be so freaking convoluted, demoralizing and painful. I wonder if Advekit is the holy grail, or at least the mental health equivalent of a power tool when your toolbox used to be one shitty too-small Philips-head screwdriver.
I noodled around with it since I'm trying to help a coaching client in distress whose current therapist can't help in a particular specialty area.
Stop here if you don't need/want to nerd out further.

===== OVERVIEW OF THE MATCHING QUESTIONS =====
They don't have a detailed summary of the questions they ask unless you fill out the questionnaire, so I did it for you. (I can't stand having to surrender my personal info and fill out pages of questions only to find out they're not asking the right questions and wondering if it's useful at all).
I was really interested to see this question on what's your ideal therapist's role during the session. I've seen this make or break a therapy relationship AND make/break a person's views on therapy - if you need more tactical skills, you don't want the therapist to just sit back and let you talk, and if you're in need of validation you really really don't want a therapist with a firm hand.
The full questionnaire if you pick INDIVIDUAL at first. Idk what would change for couples/child/etc.
===== further thoughts from a product manager perspective =====
My experience with "find a provider by specialty" tools (e.g. PsychologyToday or health insurance) as a patient and client advocate is that providers self-report their specialty areas and there's no way to verify whether they're a generalist who pays lip service to ("I've learned about ADHD so I can treat patients with it, no problem") or has deep experience and specific expertise in recognizing + treating the many ways it presents. Therapists are humans, and therefore both fallible AND biased. Evidence: so many heartbreaking tales of "you obviously don't have ADHD because you don't fit the stereotype" directly stated by mental health providers.
I also don't know whether Advekit's therapist specialty area questions are more nuanced (rate your expertise in this area from 1-5) or simply binary yes/no. More granularity would help offset the inaccuracy+bias of self-reporting.
Most of the time, patient/client feedback on providers is limited, for many valid reasons (confidentiality, stigma, trustworthiness of review hosting sites (Yelp has a reputation for not removing flagged reviews unless businesses pay for that service), inherent polarization of reviews). So there's not often a way to verify the level of expertise a provider claims to have regarding specialty areas.
The advantage of a tool like Advekit is that there's a way to ground-truth a therapist's self-reported specialty: since billing is done through Advekit there's continued contact with the patient/client (i.e. not only at the therapist-matching stage) . I have no idea whether they do this or not. If I were PM, that's what I'd be thinking about as a way to not only improve the algorithm but also make happier experiences for the humans involved! (better matches mean longer relationships i.e. less churn, more consistent income stream for therapist, higher therapeutic effectiveness, HEALTHIER HAPPIER CLIENTS, the list goes on).
I'm curious whether therapist-selected client gender preferences might lead to false negative matches e.g. "prefer not to say" is incompatible with "female + male". It's worth noting that the matching algorithm may exclude matches that are otherwise appropriate.
Selecting remote-only therapy seems to prioritize Zip code proximity, which doesn't necessarily equate to the best match within your State (providers need to be licensed in the same State as their patients reside).
Currently in 7 states (CA, CT, IL, NJ, NY, PA, WA) but there's no waitlist or "keep me posted when you expand to a new state" button. That would be a nice improvement.

DM me if you have suggestions for other things you'd like to see reviews of from a similar perspective.
submitted by Dora247 to adhdwomen [link] [comments]

I don't think I'll ever be okay with being nonbinary

Hi, I'm a nonbinary person and I've been out for over 15 years, starting when I was a pretty young kid, and I hate it. I hate it a lot. I don't think there's anything wrong with being nonbinary at all, but I wish constantly that I could be a cis woman or a trans man.
I'm tired of having dysphoria that can't be fixed. Complete genital nullification? Not an option for AFAB people. Even if it was, I'm a very sexual person so I'd have to struggle knowing I'd either never have a satisfying sex life again or I'd always be dysphoric, so it's like I can't win. Maintaining complete androgyny since Im extremely dysphoric about both male and female traits? Almost impossible. I know people are going to think me not getting nipple grafts when I'm able to get top surgery is strange, but that doesn't bother me much. Had to stop HRT because of financial issues. I can't get insurance anyway because America hates poor disabled people and my state didn't expand medicaid, so even the things that are actually possible to fix can't be taken care of.
I'm tired of having to be out to everyone. I don't want to have to be out to everyone I interact with regularly, but it's either that or dysphoria. I'm not an "out and proud" kind of person (though I think it's great that some people are). I wish I could be binary so I could be stealth and have, well, dysphoria that surgery actually exists for. Ideally I'd be cis, but yknow.
I'm tired of people acting like me being nonbinary means I only want a partial transition. I have dysphoria about all the same things as a binary person, but instead of wanting things of the opposite sex, I just want everything gone. I'm tired of people thinking nonbinary means "less dysphoric"when most binary friends I've had considered me more dysphoric than them by far. I'm tired of being told I'm "invading trans spaces" when I'm literally a trans person, or being told I have "nothing in common with binary people at all" despite having a ton of similarities. I'm tired of being called an attention seeker when I've been out for over 15 fucking years. I'm tired of people assuming there's some other mental health issue causing me to be like this. Guess what? I went to therapy for years. I have a gender dysphoria diagnosis, and my therapists didn't believe me being nonbinary was a result of any other issues. I'm tired of being assumed to be privileged with no other issues in my life because I'm nonbinary when I'm a physically disabled and deformed person living in poverty. I'm tired of being told I'm just a gender nonconforming trans man or cis woman when that's not at all what I am, even though I wish I could be. I'm tired of being told I'm "in denial" about being FTM or faking being trans and actually cis. I'm tired of being told to just "choose to live as male or female because ones gotta be better than the other" when both are just as bad and both make me absolutely miserable.
I wish I could just be a man or a woman so fucking bad. I don't care that I'm trans, but I care that I'm a trans person who can't ever fix certain issues and can't ever be stealth. I've tried to force myself to be both male and female because I hate being nonbinary so much. I've prayed to wake up a trans man or a cis woman and obviously that didn't do any good. I'd be fine with being nonbinary if a way to fix my problems, especially my bottom dysphoria existed, but it doesn't, and so I'm just supposed to suffer apparently. I'm so tired of the bullshit too but it's just a minor annoyance compared to the dysphoria. Sometimes I can deal with it well, and sometimes I can't, but now is one of those times I just need to vent.
submitted by phlebotony to TransyTalk [link] [comments]

Advekit.com review - finding therapists by specialty (ADHD!) + insurance type / therapy style

tl;dr potential holy grail for US folk in certain states: Advekit is a website that matches you+therapists by specialty area (e.g. ADHD!) + insurance/therapy style. Also shows upfront costs - what you'd actually pay after insurance.
Disclaimer: I'm not affiliated with it in any way other than hope + curiosity. I am not a therapist or credentialed mental health provider. Cross-posting to a few mental health subs.
Has anyone used it and would be able to share their experiences?
Anyone now inspired to use it who can report back to the sub with your thoughts?
----
I keep seeing ads for Advekit. It looks like a rad tool if you're in the US (currently only 7 states) and trying to find a therapist that checks all the boxes (ADHD, in-network or affordable, therapy style, particular gender, in-person or online-only, etc etc).
Finding a care team (therapist, psychiatrist, other) who truly understands ADHD SHOULD NOT BE A CRAPSHOOT. It should not be so freaking convoluted, demoralizing and painful. I wonder if Advekit is the holy grail, or at least the mental health equivalent of a power tool when your toolbox used to be one shitty too-small Philips-head screwdriver.
I noodled around with it since I'm trying to help a coaching client in distress whose current therapist can't help in a particular specialty area.
Stop here if you don't need/want to nerd out further.

===== OVERVIEW OF THE MATCHING QUESTIONS =====
They don't have a detailed summary of the questions they ask unless you fill out the questionnaire, so I did it for you. (I can't stand having to surrender my personal info and fill out pages of questions only to find out they're not asking the right questions and wondering if it's useful at all).
I was really interested to see this question on what's your ideal therapist's role during the session. I've seen this make or break a therapy relationship AND make/break a person's views on therapy - if you need more tactical skills, you don't want the therapist to just sit back and let you talk, and if you're in need of validation you really really don't want a therapist with a firm hand.
The full questionnaire if you pick INDIVIDUAL at first. Idk what would change for couples/child/etc.
===== further thoughts from a product manager perspective =====
My experience with "find a provider by specialty" tools (e.g. PsychologyToday or health insurance) as a patient and client advocate is that providers self-report their specialty areas and there's no way to verify whether they're a generalist who pays lip service to ("I've learned about ADHD so I can treat patients with it, no problem") or has deep experience and specific expertise in recognizing + treating the many ways it presents. Therapists are humans, and therefore both fallible AND biased. Evidence: so many heartbreaking tales of "you obviously don't have ADHD because you don't fit the stereotype" directly stated by mental health providers.
I also don't know whether Advekit's therapist specialty area questions are more nuanced (rate your expertise in this area from 1-5) or simply binary yes/no. More granularity would help offset the inaccuracy+bias of self-reporting.
Most of the time, patient/client feedback on providers is limited, for many valid reasons (confidentiality, stigma, trustworthiness of review hosting sites (Yelp has a reputation for not removing flagged reviews unless businesses pay for that service), inherent polarization of reviews). So there's not often a way to verify the level of expertise a provider claims to have regarding specialty areas.
The advantage of a tool like Advekit is that there's a way to ground-truth a therapist's self-reported specialty: since billing is done through Advekit there's continued contact with the patient/client (i.e. not only at the therapist-matching stage) . I have no idea whether they do this or not. If I were PM, that's what I'd be thinking about as a way to not only improve the algorithm but also make happier experiences for the humans involved! (better matches mean longer relationships i.e. less churn, more consistent income stream for therapist, higher therapeutic effectiveness, HEALTHIER HAPPIER CLIENTS, the list goes on).
I'm curious whether therapist-selected client gender preferences might lead to false negative matches e.g. "prefer not to say" is incompatible with "female + male". It's worth noting that the matching algorithm may exclude matches that are otherwise appropriate.
Selecting remote-only therapy seems to prioritize Zip code proximity, which doesn't necessarily equate to the best match within your State (providers need to be licensed in the same State as their patients reside).
Currently in 7 states (CA, CT, IL, NJ, NY, PA, WA) but there's no waitlist or "keep me posted when you expand to a new state" button. That would be a nice improvement.

DM me if you have suggestions for other things you'd like to see reviews of from a similar perspective.
submitted by Dora247 to ADHDers [link] [comments]

Top surgery question - how to best represent gender identity

While I haven’t posted here before, what I have seen and read has been very validating, and I’d appreciate any insight into this question.
Background: In my head, my ideal body has always been one without breasts. I always wished I could get rid of them, but I assumed that top surgery wasn’t an option for me because while I have discomfort in one very specific area (my chest), otherwise, I’m okay IDing as a masc woman. So I put the possibility of surgery out of my mind for years, while still wishing that I could get it.
Recently, I talked to my partner about this and she said that she’d be totally fine with me getting top surgery. So I’ve started looking into this as an option, and most surgeons where I am (fairly liberal state) require a letter from a therapist supporting your decision to have surgery, whether you’re paying through insurance or not.
So, 1) what is the most clear and effective way for a therapist to represent a situation like mine in a letter to the surgeon? I.e., me being someone who still uses she/her pronouns but who adamantly wants top surgery? I’ve been seeing the same therapist for years but we haven’t talked much about gender because we’ve been focusing on other issues.
And 2) if I’m still using she/her pronouns, does it seem unlikely that insurance would cover this surgery? The non-binary umbrella is expansive and I’m open to the idea that I fall under it (will explore this more in therapy) but GNC woman has felt like one of the best ways to describe my identity. I am willing to pay out of pocket if that’s what it takes to get the surgery.
The prospect of getting top surgery has filled me with SUCH intense joy. I’m beyond thrilled that my partner gave the go-ahead after years of me thinking that this just wasn’t an option for me; I only wish that I had brought it up with her sooner.
Thank you for reading this; I’d appreciate any information or perspective you might have.
submitted by ShinglyBeach to butchlesbians [link] [comments]

Extons Exchange 💱

The financial/commercial market is a place where goods and services are exchanged between dealers and purchasers. Industry insiders present the commercial market with numerous names because they also partake in the commercial market (organizations and financiers) to gain more profit. The financial market is made up of numerous types: The bond market, cryptocurrency, derivative market, commodity market, binary option trading, and the stock market. These different commercial markets still buy and sell in different ways through different means, and investors or businesses still earn their profits whichever way. The financial market performs various functions: 1. Reduce the charge of transactions: There is always funds and time wasted whenever securities are bought and sold. The traders need quality information before they can safely trade. The commercial market supplies information to traders without collecting any money. Financial markets therefore lower the charge of different transactions. 2. Financial market decides the value of securities: Investors watch for gains from their securities, but according to the law of supply and demands, securities do not change the prices. What alters the cost is the commercial market. 3. Circulation of financial resources: The commercial market makes it possible for purchasers and dealers to exchange their securities whenever they want to. The commercial market can be used to invest and financiers can trade their securities for cash bringing about circulation. The financial market has importance in the society such as reducing the unemployment leve by creating job opportunities for individuals, gives individuals and businesses right to funds. INTRODUCTION TO EXTONS: Extons was founded in 2016 in Toronto, Canada where it began to grow massively with so many members joining each year. ADVANTAGES OF EXTONS 1. All day support: Extons supports their members online all through the day and is always available to any problems they might encounter on the way. 2. Members can easily deposit money and withdraw easily without any issues whatsoever. 3. Strong security: Extons is highly secured and can't be disrupted by hackers looking to steal users data. Extons makes use of a token called TONS(Thisoption). TONS is a known crypto payment gateway in the Contract for Difference market. TRC20 operates on the Tron blockchain when issuing TONS token. 1 TONS=0.2 USD and the total tokens to be distributed is 180.000.000 TONS. The TONS distribution plan is shared to saving, profit saving, team, founder, marketing, partner and insurance fund with each holding different percentages of the plan. The TONS token savings plan is shared into different levels with different profits per month. TONS token ecosystem is made up of TONSTRADE, TONSFX, EXTONS(TONSEXCHANGE which helps to trade cryptocurrency) THISOPTION and TONSPAY. They have their different purposes. EXTONS' exchanges partner are: OKEX, LIVECOIN, STEX, CoinMarketCap, YoBit and many others.
submitted by Ambestmanbuka to AltcoinTrader [link] [comments]

Widow unaware of credit card debt

Hi everyone -
I wish the circumstances were different, but I am here seeking advice for my newly-widowed mother. My father recently passed away, and, in going through his things, we became aware of not immaterial CC debt that she was not aware of. She lives in CA, where they raised me and have lived since 1971.
There is life insurance, so she should be fine in the short-term. Medium-term, however, I have some concerns about her financial runway. If it is at all relevant, the life insurance will go into a trust (of which she is now the sole trustee).
If we assume she is not a joint account holder (i.e., assuming my dad didn’t forge her signature on the docs), I wonder what her legal options are? Those I can think of include:
a) Do not pay anything and let his now irrelevant credit rating take a beating.
b) Attempt to negotiate a settlement directly.
c) Hire a third party to negotiate a settlement on my mom’s behalf.
d) Honor the debts he incurred and pay the debt from her life insurance proceeds.
I am sure there are other considerations that are less binary, but those are the ones that come to mind.
While I do struggle with the morals of potentially not honoring his debt, my primary focus at this point is providing my mother with the greatest amount of financial freedom possible (and, of course, conducting ourselves lawfully with respect to the debt).
To be clear, this man was a legend to me and I will forever love him, respect him and cherish our time together. He was, unfortunately for all, not great with money and terrible about asking for help. Nobody is perfect, but he got pretty close in my eyes.
Thank you for any thoughts you might be willing to share.
submitted by Mckelder to personalfinance [link] [comments]

Bitcoin Broker Understand the Benefits of CryptoCurrency Trading

Bitcoin is a cryptocurrency, which can be spent, saved, or invested, and it can be stolen too. Trading with Bitcoins was considered to be risky, but the current trends show that it has become a big hit the binary options sector. This decentralized currency is not regulated by any Government, or by any central authority.
What determines the price of Bitcoins?
Bitcoin's price is determined according to the supply and demand ratio. Price increases when the demand increases, the rates plummet downwards when the demand falls. Bitcoins in circulation are limited, and new ones are created at a very slow rate. Since it does not have enough cash reserve to move the market price, its price can be extremely volatile.
Bitcoin trading is popular because of -
Binary options Bitcoin trading platform
bitcoin binary options are getting familiar with popularity of these Bitcoins, and its constant fluctuating values. Therefore they are using this opportunity to offer traders with the latest volatile crypto-currency as an additional payment method. Bitcoin brokers providing crypto-currency as trading option include -
Bitcoin brokers provide a simple trading online platform. All you have to do is visit their website, enter your details, and create an account. You can start with demo account to understand the market action.
The trading screen is simple.
Is Bitcoin trading secure?
Bitcoin network is possibly the world's vast spread computing project. The most common weakness here is the user errors. Bitcoin wallet files can get lost, stolen, or deleted accidentally just like any other files in the digital form.
However, users can use sound security strategies to protect their cash. Alternatively, you could choose the service providers who offer high-level security, as well as insurance against loss or theft.
We provide latest information on Bitcoin brokers and online trading platforms on our website. Please visit our website to check out the broker reviews in order to make the right choices.
submitted by amirkhoso to u/amirkhoso [link] [comments]

[META] The Rules and their Entirety

These are the rules, everything that pertains to everyone who wishes to make any sort of interaction within this sub. Per the last META, clarity has been given in regards to bulk-type sales. Since EVERYTHING is here for you all to read, we expect there to be less issues with rule infractions and general confusion as to what’s acceptable, and what isn’t. We devote our time and energy for this sub to continuously never reach a balance amongst the users.
Our goal is to ensure the subreddit itself sticks around, along with trying to keep the userbase from being taken advantage of. Our rules make sense to some, and none to others but they serve a purpose. Regardless of how you feel, these are the rules and it is expected they be followed. At the time this post becomes visible, all of what’s listed below will be enforced as a hard rule, no more wrist slaps or babysitting.

Reporting Rules

Here are the Subreddit Reportable violations. Violating these rules will get you a ban.

Reddit Rules:

Reddit Rules regarding Firearms
No firearm sales. No Ammunition sales. No primers or gunpowder, as they are considered explosives.
No selling or distributing of files related to 3D printed firearms.
If you have no idea what this is referring to, please educate yourself before posting anything related to 3D printing files by reading up on them at the following websites:
Firearms: A Firearm is considered the serialized receiver or assembly of a working firearm. If you are unsure if an item is prohibited, contact the mods prior to posting it.
80% lowers and completion kits are not included in this prohibition as they are not firearms yet.
Bump-Stocks are considered Machine Guns by the ATF and are therefore prohibited from trading on the sub.
Binary Triggers, Cranks, and Rubber bands and other such items are not (currently) affected by this prohibition (unless Admins change their minds later).
Explosives & Hazmat: Gunpowder and Live Primers are considered as explosives and Hazardous Materials and are therefore prohibited from trade.
Ammunition: Reddit Admins use the ATF definition of ammunition which is as follows:
The term “Ammunition” means ammunition or cartridge cases, primers, bullets, or propellant powder designed for use in any firearm. The term shall not include (a) any shotgun shot or pellet not designed for use as the single, complete projectile load for one shotgun hull or casing, nor (b) any unloaded, non-metallic shotgun hull or casing not having a primer. 27 § 478.11
Brass and projectiles posted here will result in an immediate suspension by Reddit Admins, so if we find it first we will remove it.
Any violation of these above rules will result in a ban by us, or a site-wide suspension by Admins and their Anti-Evil goosesteppers.
Anyone attempting to skirt Reddit Rules will be given a 7 day ban on the first offense, a 30 day ban on the second offense, and a permaban thereafter due to the fact that Admins will use the bad behavior of a few to justify shutting down the sub for good.

Posting Rules:

This sub is for private sales only. Vendors must post in Gundeals or GunAccessoryVendors
Clarification on Vendor Rule: Don't include links to your business website, we are not a referral system, do your business on here. Please see the Reddit Self Promotion page for details on that. Reddit admins don't like you cutting in on their ad revenue. We do not support VENDORS, I.E. if you buy another company's products in bulk (such as Magpul), and just act as a distributoreseller, your business is not welcome here. That is /GunDeals territory. If you have an FFL, you cannot do business on here because are considered a firearm business, and cannot solicit any transactions involving firearms.
The limit on bulk sales/bulk items is 10, that means 10 of the same individual item can be posted for sale or trade. If you have 10 Geissele triggers, but only 4 are flat and 6 are curved, that will still count as 10, as they're the same branded trigger and likely purchased at the same time. If there are 3 OD Green items and 7 FDE that are otherwise the same item, that still count as 10. If you post 10 items of the same in one day, 10 the next, and 10 the following day after that, that will be viewed as vendor activity. To keep such things from happening, it will be limited to one sale of this type, per user, per week. The ONLY EXCEPTION to this rule is old magazines, as it is common for users to purge off part of their mag collection.
Please follow these rules when creating a listing: Prefix your title with the transaction type:
[WTS] - Want To Sell
[WTB] - Want To Buy
[WTT] - Want To Trade
[GIFT] - Gun It Forward Tactically
Suffix your title with your state (e.g. (GA) or (NY)). This will help incentivize local sales and could impact shipping costs. Also, it could affect legality of some items such as magazines and those accessories deemed as "assault weapon" parts by certain states.
Postings should all follow this general format as an example: "[WTS] M16A2 Carry Handle - $60 (VA)". If you do not list the price in the title, ensure that it is listed in the comments. Include a Dollar sign ($) or the bot will remove it.
Postings without a price value may be removed after a period of time. WTB posts require valid offering prices, and will be removed if they do not have one.
Postings with prices such as "$1 for the bot" or "$1,000,000 for the bot" that are intended to bypass our rules and automated removal system instead of posting a valid price, will be removed and a temporary ban will be issued immediately.
Postings without pictures will be removed immediately, unless these posts are WTB.
Do not post an item for sale if you do not have it in your possession at the time of posting. This includes an item you may have purchased elsewhere, you decided you don’t want it and it’s on its way to you, but it has yet to arrive. If you don’t have it, don’t post it.
If you post stock images of an item in your WTS/WTT post, that will result in a temp ban if it is your first time doing so, possibly permanent if done on multiple occasions. If you post images of someone else’s photos for “your” item, this will be viewed as scamming tactics and you will receive a permaban, immediately.
If you drop your price, use the Price Drop/NSFW Tag. If your items sell, use the Complete/Spoiler tag. Please don't delete the price of an item if it sells, because that can be used by people in the future to gauge what similar items may be worth.
If your post does not receive the traction you're wanting, refrain from reposting within a 24 hour time frame. You may repost after the 24 hours has passed, and a price drop is not required, but encouraged. Deleting your post and reposting afterwards is viewed as trying to evade this rule. It will be met with removal and a temp ban, possibly longer if done more than once.
Want to Buy/Sell/Trade (WTB/WTS/WTT): These transactions all require a price value for the item. If a listing does not include a price it may be removed and re-listed once it is in compliance. Giving an unrealistic price to avoid this rule will be treated as a rule violation. Examples of this are "WTB scope, $1" or "WTT Upper, $9999". Additionally, you must list what you are looking for in [WTT] posts. Fielding offers, testing the waters or any other post attempt to try and skirt this rule will result in the post being removed.
Gifting items forward: (GIFT) If you have small odds and ends that aren't worth much and the cost of shipping is prohibitive, you are allowed to offer items for free. The gifter is allowed to request compensation for shipping only, and can request a flair upgrade in the feedback thread for the transaction. If the receiver pays for shipping, they can also request a flair upgrade, but if they get the item for free, no flair upgrades for the recipient. Flair upgrades of this type are limited in order to avoid abuse, i.e. giving away 20 A2 grips in order to get +20 rep is not authorized.
Accounts with 5 or less flair (you must have at least 6) on GAFS are NOT eligible to participate in giveaways, due to users from other subs coming to win stuff without ever participating in GAFS, or GAFS users making multiple new burner accounts to enter giveaways.
New accounts (under 30 days of age) are not able to create WTS or WTT ads, nor should they offer things for sale in the comments of other peoples' posts. To prevent scams, new users can only post Want to Buy threads. If you want to attempt to bypass this account age requirement, you must be able to provide moderators evidence of a good trading history on another reputable online forum, such as Calgunner or AR15.com where you can show a longstanding history of positive trade feedback. If this is completed, moderators may provide an exception and allow WTS/WTT posts to be submitted by new users, with a warning caveat to any potential buyers to avoid using risky payment methods until the seller has had a chance to develop a positive trading reputation.
Any new accounts that utilize this subreddit that create names that are similar to a mods (i.e. sxbbzxro, sxbzxxro, subzxro, etc.) may be removed from participating here due to the possibility of confusing/having the ability to manipulate users into thinking they are in fact a mod.
Price Checks (PC): Because PC listings were abused by many to bypass the price rule, fish for "best offers", and otherwise snipe sales, they have been disabled after overwhelming support from the community.
We have a feedback system in place. The current month's flair thread is On the Sidebar, and is usually Stickied at the top as well. Check there for the specific directions. DO NOT create a thread for a sale that has already happened, or has happened in a different sub/website/forum etc. The Flair system is only for feedback for exchanges in /GAFS. Any attempts to game the flair system will be seen as an attempt to establish trust for scam purposes, and will be banned accordingly.
Law Enforcement: Be aware, we do not offer exemptions to any individuals who may have LE credentials. Due to the difficulty of verifying employment, possible job changes, leaving/termination from said job, etc. we treat all users as civilians. Any local and federal laws apply to all individuals who utilize this subreddit. Read up and stay up-to-date on these laws and regulations, you will be expected to know and abide by them. Failure to do so may lead to a ban.
External Sales:
NO LINKS to your external sales on TacSwap, eBay, Facebook, Armslist, Gunbroker, etc. Sales in multiple locations are allowed, but don't just provide a link to sale elsewhere. Make your listing here. The only caveat to these rules is to show a price point elsewhere if someone here has an item that is grossly overpriced, or is looking for an item.
This sub is not a "highest bid gets the item" format. There are also no lotteries for items i.e. 10 chances at $10 each to purchase a $75 flashlight with a random number generated to pick the winner.
High Value or Counterfeit Items:
To deter the sale of counterfeit products, any item that is serialized must have a picture of the serial. As firearms are not allowed for sale here, this shouldn't present a privacy issue to anyone. This policy covers items such as EOTechs, Aimpoints, Trijicons, etc. Along with this, if you're selling anything that's "new-in-box", you must unseal it and show the contents of said box/package.
No Stolen Property. If you are selling a knockoff item, indicate that fact. Items such as bipods, BUIS, flashlights, holsters, and scopes/optics are known to have some gray market options. KAC USMC Stamped Rear Sights are not stolen property and are allowed on here, unless another member can provide proof from a DoD source that they are in fact considered stolen government property.
All GAFS logos, icons, banners and visual content related to this subreddit, belong to the moderator team. Do not create/manufacture/produce items with this content onto itself. It is forbidden to profit off the GAFS name, unless discussed with the modteam in advance and given permission.

Shipping/Insurance Rules:

The official policy is for the mods to not get involved with issues regarding lost packages, provided that the parties can prove it was actually lost. If you feel like insurance should be added to your transaction, please take care to add that before finalizing terms.

General Rules:

WARNING: Be aware of all state and federal laws that apply to you and any parties involved in a firearms-related transaction. You are responsible for knowing and following the law. This Subreddit and its staff are in no way responsible for informing you of the law, but will make every effort to do so. As a buyer, be familiar with your state/county/city rules. As a seller, do not knowingly sell prohibited items to areas that have laws against your items, such as certain capacity magazines. Any person, buyer, or seller, who knowingly solicits a trade that is illegal for them may be subject to a ban.
Respect all federal and local laws for any transaction you take part in. This includes federal drug laws. Drug activity tied to your account tied to any other issues is sufficient grounds for banning. Here is the ATF Letter that explains why any suspected drug activity, including marijuana, is grounds for immediate banning from the sub. Illegal gun activity such as unregistered SBRs, AOWs, destructive devices, DIAS or lightning links in your reddit profile (in or outside the sub) can be reason for banning. Do not spread bad information regarding laws.
Any item you post for sale is expected to be in your current possession. If this is not the case, you must specify this in the listing. Circumstances such as selling for a friend is allowed, but pictures of your items are required to be shared to the public. You do not need an imgur.com account in order to host pictures of your item on imgur, so that is not an excuse.
If you are scammed, inform the mods as soon as you can so that we may investigate and ban the offending parties if necessary.
Do not post the personal information of any Reddit users. The exception to this is if someone uses PayPal to scam a member, this information may be sent to the mods to prevent others from also being scammed. Doxxing people will not be tolerated.
Do not antagonize posters about their price, opinion, or sexual orientation (etc). This translates to be a general rule of "no dickish behavior". If you disagree with someone's price, and can post evidence that their item has a current or recent better price elsewhere such as a link to a vendor, that information is authorized to be posted. That is not antagonism. People may comment on prices and offer counter-offers, as long as behavior is not insulting or unprofessional. If you feel that someone is being unprofessional regarding pricing, report it and the mods will evaluate the case. They are the determining factor whether behavior warrants muting, temporary banning, or permanent banning based on severity of incident, past behavior, and other factors. If your behavior does not contribute towards the positive image of firearms ownership, your participation in this subreddit may not be welcome.
Soliciting any type of transaction regarding prohibited items may result in a ban. This includes Price Checks of firearms and other prohibited items, as this can be seen as an attempt to garner PM offers for prohibited items. Remember that there is no expectation of privacy from Reddit Admins, and that they have shown in the past that they have access to private message histories.
As a general guideline, if a buyer wants to use PayPal Goods and Services (G&S) rather than Friends and family (F&F), it is expected that they will absorb the ~3% fee for the increased protections. However, PayPal F&F, Zelle, and Venmo and similar payment methods are discouraged here due to a lack of protections.
All rules and guidelines are subject to change. The moderators have the final say in all issues in relation to the rules and how to enforce them.
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