Homes for sale in holton mi
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2018.04.27 11:09 CodyPhoto Calgary Real Estate by the Real Estate Partners
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2021.01.31 04:37 njdaveyray NJRealEstateListings
Homes available for sale in New Jersey. Listings provided by MLS feed and are courtesy of the listing brokerage. Group created by: David Blinder Realtor exp Realty® [email protected] 973-727-2037 (c) 862-201-6210 (o) This group is neither endorsed nor administered by eXp Realty. No representations are claimed of the properties nor their statuses.
2009.01.22 17:01 Naples Real Estate
A subreddit to discuss real estate in and near Naples, FL and to share listings of homes for sale in the area. This is NOT a rental subreddit, please do not post about rental units or homes here.
2023.03.29 11:37 zeexwifi Leaving a big company after just one month
So, I’ just finished an apprenticeship in IT support a few months back and I’m currently 20 and got a new job at a law firm as a first line engineer. Now, the issue is… it’s shift work so every two weeks I’ll know my shift for the next two weeks. It could be 8-4 9-5 10-6 Or 12-8 For the whole week . I don’t at all like the shift work especially 12-8 as I have no time to do anything in my day. And also the worst part about all this is that they do not let you work from home unless you’re I’ll your unable to get to work for some reason. Al though they give u one full week of working from home every 5 weeks. I want to leave but I’m being told that I should stay there at least 6 months so interviewers don’t ask me why I left so early. What would be your advice here? Baring in mind I live in the UK if that makes a difference and I can’t stand going into the office 5 days a week. I get way less distracted working from home too. I can’t ask my manager to let me off the hook when it comes to going in office everyday FYI
submitted by zeexwifi to ITCareerQuestions [link] [comments]
2023.03.29 11:37 subomiOluwalana Convoy (v0.9.0) - Open Source Webhooks Gateway - Ingest Events from Amazon SQS & Google PubSub, Switched to PostgreSQL as backend store and many more! 🥳 🎉
 | Hey Friends, submitted by subomiOluwalana to selfhosted [link] [comments] Convoy v0.9 stable release has landed 🎉. We’ve been working on these improvements and are excited to share this release. This release includes a migration to PostgreSQL as our default datastore store, includes integration with message brokers such as Amazon SQS & Google PubSub, a new client CLI and an improved Dashboard experience. Let's go PostgreSQLIn the past, we’ve shared our pain of dealing with MongoDB and how using it as our primary datastore hasn’t been the best architectural decision. But we can summarise them with the following:
Message BrokersConvoy can now consume webhook events off topics and queues on Amazon SQS and Google PubSub. We did this to improve the deliverability guarantees of ingesting webhook into Convoy compared to our REST API interface because Message Brokers are stateful services that provide more guarantees as long as a message has been committed, it will eventually be read off the queue and delivered as a webhook event. To achieve this over HTTP is a combination of retries, building an async dispatch system etc. which can all be side-stepped with a direct message broker integration. To do this, we introduced the concept of Sources to an Outgoing Webhooks Project. This means you can now configure multiple webhook ingest sources, as shown below: https://preview.redd.it/ugg76qeienqa1.png?width=1730&format=png&auto=webp&s=8283340728171fb3d503a1b38ece0a3408d7c1ef Then run the convoy ingest process to spin up workers dedicated to consuming messages on the queues and publishing webhook events to client endpoints. Client CLIIn the past, we talked about local debugging for Convoy. Yes, we had to re-launch this because our previous implementation wasn’t intuitive enough for our users. To achieve this new implementation, we
Improved DashboardSeveral aspects of our product experience weren’t intuitive enough for our users in previous releases. In this release, we worked hard to rethink several pages including
What’s Next?For Convoy v0.10, we have planned the following features: Kafka Integration, Webhook Idempotent Keys, Meta Events and the first release candidate for our Enterprise Edition. For Convoy EE, v0.10 will include Role-Based Access Controls. If you’re interested in our early EE release, please reach out to us at [[email protected]](mailto:[email protected]) |
2023.03.29 11:36 emmakifiverr [DISCUSSION] Some Thoughts on Fiverr and How It Might Respond to Upwork's Upcoming Commission Fee Changes
As some of you are probably aware, Upwork is about to make radical changes to their commission model.
This has got me thinking. Upwork clearly thinks this is going to make them more $ - the "client contract initiation fee" makes me wonder how many $5 orders were being placed on the platform - but how is Fiverr going to respond, if it does?
I reckon that Fiverr is also going to reformulate its commission structure at some point in the future, as from May, it will be the most expensive option in terms of commissions for freelancers. Fiverr has been trying to ditch its cheap and cheerful image and attract a more professional crowd, but isn't really having any success with it. So not only is it going to be the most expensive choice of freelance marketplace, it's also going the one with arguably the worst reputation (both from seller and buyer POVs).
Not a great mix. Way I see it, there's three ways this can go:
But if Fiverr wants to clean up its cheap and cheerful image to be a professional marketplace - and from their actions, I think they do - then I think something like the third option is best. Yes, it would price out a lot of newbies (with no money/experience) and make using Fiverr less cost-effective even with the reduced commission for those with cheap gigs/low sales with what I expect would be a massively cleaned up marketplace.
Or, to put it other words, the number of gig listings would significantly drop. Those who pay to play will enjoy higher visibility from that alone (especially if higher tiers of a membership plan offer "preferential placement"). That competition is further decimated by people leaving because they disagree with paying a fee just to use Fiverr. So after the dust settles, in theory, you're left with a marketplace that has a smaller number of sellers, but who deliver higher quality services to a pool of buyers that is roughly the same. Fiverr gets to slowly improve its image, while sellers should, in theory, get more sales.
The potential benefits don't just stop there. In theory, you could also get rid of a lot of the most problematic sellers, which in itself could also lead to changes in a lot of the more punitive/controlling aspects of the platform, many of which have been put in place to address poor seller behaviors/deal with plain bad sellers.
I can't see many, if any, changes being made on the buyer side of things, though in theory the quality of buyer would also improve. Partially because the $5 bad buyers will go elsewhere - you really want to spend $ on a monthly fee just to make a $5 gig when loads of competition has gone? Also partially because remaining sellers on the marketplace likely better know how to deal with dissatisfied buyers to turn them into satisfied ones, rather than just 'bad buyering!' the situation, or simply intercepting them before they create issues through various tactics.
Either way, you want to make buyer onboard as mindless and easy as possible so they put money into a system. With Fiverr Business already in place as the semi-visible "premium" marketplace for buyers that want all that jazz, I just don't see any changes being made here.
There's always the fourth option, of course: nothing changes :) It's all going to boil down to the $ in the end. I guess we'll see. Here's hoping that something happens, and that there's a mass exodus of the platform's worst and most useless members. It theoretically leaves anyone left in a better position, after all.
submitted by emmakifiverr to Fiverr [link] [comments]
This has got me thinking. Upwork clearly thinks this is going to make them more $ - the "client contract initiation fee" makes me wonder how many $5 orders were being placed on the platform - but how is Fiverr going to respond, if it does?
I reckon that Fiverr is also going to reformulate its commission structure at some point in the future, as from May, it will be the most expensive option in terms of commissions for freelancers. Fiverr has been trying to ditch its cheap and cheerful image and attract a more professional crowd, but isn't really having any success with it. So not only is it going to be the most expensive choice of freelance marketplace, it's also going the one with arguably the worst reputation (both from seller and buyer POVs).
Not a great mix. Way I see it, there's three ways this can go:
- Go fully pay-to-play. Anyone who wants to sell on the marketplace has to pay upfront monthly fees of some type. Could be free to set up an account but publishing each gig costs $X/month, or some sort of Basic/Standard/Premium/Pro plans - levels may go with that, along with promotions/demotions - and possibly all the current optional stuff like Seller Plus added into those plans depending on what people pick.
- Fiverr changes its fee structure to be competitive with UW; nothing else changes, or any accompanying changes are minor.
- Fiverr changes fee structure AND goes fully pay-to-play to be competitive with UW.
But if Fiverr wants to clean up its cheap and cheerful image to be a professional marketplace - and from their actions, I think they do - then I think something like the third option is best. Yes, it would price out a lot of newbies (with no money/experience) and make using Fiverr less cost-effective even with the reduced commission for those with cheap gigs/low sales with what I expect would be a massively cleaned up marketplace.
Or, to put it other words, the number of gig listings would significantly drop. Those who pay to play will enjoy higher visibility from that alone (especially if higher tiers of a membership plan offer "preferential placement"). That competition is further decimated by people leaving because they disagree with paying a fee just to use Fiverr. So after the dust settles, in theory, you're left with a marketplace that has a smaller number of sellers, but who deliver higher quality services to a pool of buyers that is roughly the same. Fiverr gets to slowly improve its image, while sellers should, in theory, get more sales.
The potential benefits don't just stop there. In theory, you could also get rid of a lot of the most problematic sellers, which in itself could also lead to changes in a lot of the more punitive/controlling aspects of the platform, many of which have been put in place to address poor seller behaviors/deal with plain bad sellers.
I can't see many, if any, changes being made on the buyer side of things, though in theory the quality of buyer would also improve. Partially because the $5 bad buyers will go elsewhere - you really want to spend $ on a monthly fee just to make a $5 gig when loads of competition has gone? Also partially because remaining sellers on the marketplace likely better know how to deal with dissatisfied buyers to turn them into satisfied ones, rather than just 'bad buyering!' the situation, or simply intercepting them before they create issues through various tactics.
Either way, you want to make buyer onboard as mindless and easy as possible so they put money into a system. With Fiverr Business already in place as the semi-visible "premium" marketplace for buyers that want all that jazz, I just don't see any changes being made here.
There's always the fourth option, of course: nothing changes :) It's all going to boil down to the $ in the end. I guess we'll see. Here's hoping that something happens, and that there's a mass exodus of the platform's worst and most useless members. It theoretically leaves anyone left in a better position, after all.
2023.03.29 11:35 Known-Share5483 I failed at my job, let’s have a baby!
I noticed that burned out people from work outside the home, will have babies to create a new job scope for themselves.
Burned out people also ask people to invest in their business ideas, with 6 mths of internship or 1 year of full time work experience under their belt.
Bloody hell, in the middle of first internship and one year post graduation. Utter madness!
But “I’m smart and hardworking” or so they say.
More like entitled and detached from reality’
They become psychotic, feeling desperate and trapped, they need a reason to live and a baby or a new business isn’t it.
You see, if your job is overwhelming, you can quit. If a business fail, same thing, you can fold.
But a life can’t be taken back, you can’t quit or fold.
Psychotic people terrorise their kids, that twisted face with crazy eyes, they look visually insane.
If you match up their faces with serial killers, school shooters and mass suicide cult leaders. They all have the same look.
Imagine the first snapshot memory of a parent is that monstrous face. This asylum within your own home, where you can’t feel safe.
Being a home manager requires multitasking, it’s beyond a job. It’s more like running a business.
The fact they don’t know this is why they should never do it! The business o have kids.
submitted by Known-Share5483 to antinatalism [link] [comments]
Burned out people also ask people to invest in their business ideas, with 6 mths of internship or 1 year of full time work experience under their belt.
Bloody hell, in the middle of first internship and one year post graduation. Utter madness!
But “I’m smart and hardworking” or so they say.
More like entitled and detached from reality’
They become psychotic, feeling desperate and trapped, they need a reason to live and a baby or a new business isn’t it.
You see, if your job is overwhelming, you can quit. If a business fail, same thing, you can fold.
But a life can’t be taken back, you can’t quit or fold.
Psychotic people terrorise their kids, that twisted face with crazy eyes, they look visually insane.
If you match up their faces with serial killers, school shooters and mass suicide cult leaders. They all have the same look.
Imagine the first snapshot memory of a parent is that monstrous face. This asylum within your own home, where you can’t feel safe.
Being a home manager requires multitasking, it’s beyond a job. It’s more like running a business.
The fact they don’t know this is why they should never do it! The business o have kids.
2023.03.29 11:35 smacado AirPod Pro 2’s not working with Apple TV
I have my latest gen 4K Apple TV linked to my OG HomePods for sound, but occasionally want to use my AirPods. For a while now they have been refusing to link up. They show up in the temporary audio output list but will not link up. Everything is up to date; Latest firmware for the AirPods and latest version of AppleTV OS etc (although this was a problem before this weeks update) AirPods work perfectly with my phone, iPad and MacBook… Any suggestions?
submitted by smacado to appletv [link] [comments]
2023.03.29 11:35 VarietyFantastic5258 agriculture land for sale in hyderabad
 | agriculture land for sale in hyderabad : SLN Ventures achieved success through immense care in planning and choosing the right resources and execution, be it the drawings, construction material and Vaastu to a clear title. Our constant endeavour is always to provide the best for our customers. submitted by VarietyFantastic5258 to u/VarietyFantastic5258 [link] [comments] For more information click here: https://slnventures.com/ https://preview.redd.it/d83qhvybenqa1.jpg?width=1080&format=pjpg&auto=webp&s=4edb16e9fd6fc9c29deb690a8b2f0c670de4dc88 |
2023.03.29 11:34 Midnight_Magic92 Living with an ex - Inappropriate behaviour. WWYD?
My ex and I split 2 years ago. We are both named on social housing tenancy (low rent/forver tenancy) and have a daughter together who is in the sole care of me, with me 100% and I pay for EVERYTHING for her.
Me and ex have been ignoring each other for nearly half a year, just living our lives. He has also ignored me in public, and ignored his own daughter in public.
Lately, he has not been respecting my boundaries. I've been cordial with him and polite as he's had a few questions about the bills in the house. But I think he's got the wrong idea. He's confessed that he's been dreaming about me, wants to reconcile and for us to be a family again. He's been asking me to cuddle him for weeks now- and I hate it. Yesterday, he went too far by interrupting me during work and asking me if we could share the blanket I had around me and he bizarrely reminded me of the time when I asked him what he'd like for Christmas and he responded with "a blow job". I'm not attracted to my daughter's father, neither do I want to be with him. He ruined our relationship by treating me and my daughter poorly and ill never forgive him for that. He's making me so uncomfortable in my own home. I'm currently waiting to be re-housed with the housing association, but not sure how long the wait is.
I'm not sure how to respond to him as I always end up shouting, but I don't want to do this. My workspace in the the living room as that's the only place I can work.
I need some tips/help on how to respond to this. I don't want it to get to the point where he could touch me.
TLDR: Living with ex and he's acting inappropriately, such as begging for physical touch that I don't want. I can't afford to move out. WWYD?How would you respond?
submitted by Midnight_Magic92 to AskWomenOver30 [link] [comments]
Me and ex have been ignoring each other for nearly half a year, just living our lives. He has also ignored me in public, and ignored his own daughter in public.
Lately, he has not been respecting my boundaries. I've been cordial with him and polite as he's had a few questions about the bills in the house. But I think he's got the wrong idea. He's confessed that he's been dreaming about me, wants to reconcile and for us to be a family again. He's been asking me to cuddle him for weeks now- and I hate it. Yesterday, he went too far by interrupting me during work and asking me if we could share the blanket I had around me and he bizarrely reminded me of the time when I asked him what he'd like for Christmas and he responded with "a blow job". I'm not attracted to my daughter's father, neither do I want to be with him. He ruined our relationship by treating me and my daughter poorly and ill never forgive him for that. He's making me so uncomfortable in my own home. I'm currently waiting to be re-housed with the housing association, but not sure how long the wait is.
I'm not sure how to respond to him as I always end up shouting, but I don't want to do this. My workspace in the the living room as that's the only place I can work.
I need some tips/help on how to respond to this. I don't want it to get to the point where he could touch me.
TLDR: Living with ex and he's acting inappropriately, such as begging for physical touch that I don't want. I can't afford to move out. WWYD?How would you respond?
2023.03.29 11:34 finian2 This Japan News site rejects you if you don't accept all cookies.
 | submitted by finian2 to assholedesign [link] [comments] |
2023.03.29 11:34 noregrets2022 Morning, guys! We got on a property ladder!
A couple of days ago I posted our 6 months' worth struggle to get on a property ladder and got some very practical advice and lots of moral support from you, lovely people.
Just now we got a brilliant news. A month ago we viewed a flat (yes, a downgrade from a house, and only one bed BUT in St.George area and a spacious one - our favourite part of Bristol) and some investor muscled in and outbid us. Now, a month later the investor (who kept looking and wasting everybody's time) found a better option and pulled out of the sale.
The agency offered it to us and we were happy to accept for as much as we offered previously. And it'll be a cash sale. 1 bed flat with no mortgage vs 2bed small house with a mortgage - what would you chose? We made our choice and feel free and happy.
If you have any good vibes to send or any words of wisdom (goes well with smoking a joint), we'll be grateful for any good will. Have a wonderful day, y'all!
submitted by noregrets2022 to bristol [link] [comments]
Just now we got a brilliant news. A month ago we viewed a flat (yes, a downgrade from a house, and only one bed BUT in St.George area and a spacious one - our favourite part of Bristol) and some investor muscled in and outbid us. Now, a month later the investor (who kept looking and wasting everybody's time) found a better option and pulled out of the sale.
The agency offered it to us and we were happy to accept for as much as we offered previously. And it'll be a cash sale. 1 bed flat with no mortgage vs 2bed small house with a mortgage - what would you chose? We made our choice and feel free and happy.
If you have any good vibes to send or any words of wisdom (goes well with smoking a joint), we'll be grateful for any good will. Have a wonderful day, y'all!
2023.03.29 11:34 StepwiseUndrape574 GTA V Added To Xbox Game Pass, Possible GTA 6 Release Date News Emerges
Fans of Grand Theft Auto V, who don't already have the game on Xbox One, will be happy to hear about the latest news from Microsoft. The game has been added to Xbox Game Pass, so players with a valid subscription can play the game on the console. GTA V launched back in 2013 and remains a very popular game thanks to online content updates and a massive modding community.
GTA V is also one of the most viewed games on Twitch and is regularly in the top five games on Steam. Rockstar hit a home run with GTA V, and adding it for free to Xbox Game Pass may bring gamers to the franchise that haven't yet tried it out. For Xbox One gamers with an Xbox Game Pass Ultimate or Xbox Live Gold membership, access to the frequently updated Grand Theft Auto Online service is included. One sad bit of news is that GTA V is only offered on the console; it's not available on the PC with Game Pass.
While GTA V is still wildly popular, fans are clamoring for the next installment in the franchise: GTA 6. GTA 6 details recently leaked from a claimed beta tester and enticed us with visions of the game. A new rumor claims that GTA 6 won't launch until 2021, however, nothing official from Rockstar has been offered about GTA 6 so far.
The leak from a few days back was posted on Reddit and was later removed by moderators there. It's unclear if Rockstar pressured them to delete the content, but the leaker claimed that the game has a huge map that covers two major cities, Carcer City and Vice City, said to be based on Boston and Miami, respectively. True or not, GTA V fans are looking forward to GTA 6, even if it is a year or more away.
submitted by StepwiseUndrape574 to gta5moddingcommunity [link] [comments]
GTA V is also one of the most viewed games on Twitch and is regularly in the top five games on Steam. Rockstar hit a home run with GTA V, and adding it for free to Xbox Game Pass may bring gamers to the franchise that haven't yet tried it out. For Xbox One gamers with an Xbox Game Pass Ultimate or Xbox Live Gold membership, access to the frequently updated Grand Theft Auto Online service is included. One sad bit of news is that GTA V is only offered on the console; it's not available on the PC with Game Pass.
While GTA V is still wildly popular, fans are clamoring for the next installment in the franchise: GTA 6. GTA 6 details recently leaked from a claimed beta tester and enticed us with visions of the game. A new rumor claims that GTA 6 won't launch until 2021, however, nothing official from Rockstar has been offered about GTA 6 so far.
The leak from a few days back was posted on Reddit and was later removed by moderators there. It's unclear if Rockstar pressured them to delete the content, but the leaker claimed that the game has a huge map that covers two major cities, Carcer City and Vice City, said to be based on Boston and Miami, respectively. True or not, GTA V fans are looking forward to GTA 6, even if it is a year or more away.
2023.03.29 11:34 DinosaursLayEggs Can I transfer to a different hospital?
This is in the UK btw.
Basically what the title says. I moved a significant distance from my childhood home 2 years ago and thus moved GP’s, and my diabetes care was referred to a local hospital. However, the experience I’ve had with this hospital has been nothing short of awful. I haven’t been seen since May 2021, they very rarely tell me when they’ve made an appointment for me until day of which is impossible to accommodate, they send letters to an address I have never lived at which is about 200 miles away from where I live, and when I am aware of an appointment, they cancel and don’t inform me until I am actually in the clinic. Because I haven’t been seen in so long, they’ve restricted my medication (I have to collect my pods for the Omnipod Dash monthly at the hospital) despite the fact that it is not my fault I haven’t been seen. No amount of complaints have resulted in any change and in all honestly, I’m done with this hospital.
There are a few hospitals further out that have diabetes clinics and I just wanted to know if anyone knows if it’s possible to transfer my care to one of them? And if so, what the process would be? They aren’t technically in the same county as me, and this is literally a last resort for me, but after almost 2 years of arguing with this hospital, I’d really rather not deal with them again.
Thanks!
submitted by DinosaursLayEggs to Type1Diabetes [link] [comments]
Basically what the title says. I moved a significant distance from my childhood home 2 years ago and thus moved GP’s, and my diabetes care was referred to a local hospital. However, the experience I’ve had with this hospital has been nothing short of awful. I haven’t been seen since May 2021, they very rarely tell me when they’ve made an appointment for me until day of which is impossible to accommodate, they send letters to an address I have never lived at which is about 200 miles away from where I live, and when I am aware of an appointment, they cancel and don’t inform me until I am actually in the clinic. Because I haven’t been seen in so long, they’ve restricted my medication (I have to collect my pods for the Omnipod Dash monthly at the hospital) despite the fact that it is not my fault I haven’t been seen. No amount of complaints have resulted in any change and in all honestly, I’m done with this hospital.
There are a few hospitals further out that have diabetes clinics and I just wanted to know if anyone knows if it’s possible to transfer my care to one of them? And if so, what the process would be? They aren’t technically in the same county as me, and this is literally a last resort for me, but after almost 2 years of arguing with this hospital, I’d really rather not deal with them again.
Thanks!
2023.03.29 11:34 gasloving_cd_baker I want to show my mother my cuts
The main reason why I want to show her my hand is that she is the reason I do this to myself. I've scratched my hand for a long time and she knows that and she thinks it's just that I'm too introverted and I do it bc of stress. Which is actually not far from the reality but I have cuts and bruises now. I want to show her what happened because she started behaving strange before a year. I see random men at home, locked doors of the kitchen (our apartment is small and she is sleeping in the kitchen, which means no food...) and she is an alcoholic. I want to show them not because I want her to stop, I just want her to realize that I have feelings too and I am her daughter, because I have little sister and I don't want my cutiepie to experience the same things as me. Usually I'm the person who is looking after her but my mother makes me angry to the point were I sh or shout at my little sis. I hate shouting at her because she doesn't deserve this. And I know my mum can go back to how she was before.
I just want my mum to know what happens to her kids.
submitted by gasloving_cd_baker to selfharmteens [link] [comments]
I just want my mum to know what happens to her kids.
2023.03.29 11:34 Zedeth91 death added to the game?
I dont know what I just seen, it was a dark figure that looked like death! I just returned home looked down the hill and seen it staring at me I freaked tf out yo, yelling in vc telling everyone to come check it. while I go open the portal up I turn around and its gone, for some reason my shadowplay was turned off so I couldn't record it, wtf did I just witness.
submitted by Zedeth91 to valheim [link] [comments]
2023.03.29 11:33 jhanad123 Galileo Ticketing Software
 | submitted by jhanad123 to u/jhanad123 [link] [comments] Galileo Ticketing Software – BookingXML Galileo Software The evolution of Internet has made travel simple and attractive. This is the cause for the development in the competition within the travel industry. It is imperative to provide exceptional services to continue within the industry. You can do this using a Global Distribution System (GDS) which gives your business to outshine the competition while maintaining a steady improvement. If you are an upcoming travel industry and are looking for a trustworthy platform to begin with or move your business to the next level, Galileo GDS API integration can be an attractive option for you. BookingXML integrates Galileo software, a classic global reservation, which you can use for business management as well. Why Choose the Galileo Software? Galileo’s API integration is effective in transacting airline data management and data intelligence solutions for global air services. It has other contributions like: · E-ticket system. · Passenger management. · Facilitates online shopping. · Bookings and reservations. · Business management system. Galileo Reservation System BookingXML is the leading travel technology provider who offers Galileo Reservation System for travel agents. Galileo GDS is a single platform that offers services like flights, rooms, cab service, etc. Galileo provides a supporting hand to the movement (travel) sector by giving a reservation system because it has an online reservation system. Galileo is a trustworthy aggregator of travel listing, committed toward helping its customers in every situation and through them, developing decisions for travellers around the world. Galileo is one of the world’s major computerized reservations systems handle by the travel business. It provides authority to tour operators or OTA to make a booking of flight, booking seats, issue tickets, book cabs, and hotel convenience. BookingXML offers a front-line Galileo Reservation System for flight booking, hotel booking, transport booking, holiday booking, vacation rentals etc. Here are the few features of Galileo Flights Module. · Advanced Search departure/arrival time, air carrier, class · Detailed search by Filter air carrier, class, price etc · Search for one way & round way flights · Book airline tickets · Use Frequent flyer programs · Cancel airline tickets · Search for air ticket orders by ticket No, name & air carrier Galileo GDS Integration Services we offer · Flight Reservation System · Hotel Booking System · Car Reservation System · Cruise Booking System · Holiday Packaging System · B2B Online Booking Engine · B2C Online Booking System · Corporate Booking Module · Single or Multiple interface Integration of Galileo GDS API with a Travel Website Galileo being the most sought-after GDS system is important for the global distribution services in the travel industry with advanced computer reservation software and other web services. Galileo GDS System hosts the best integrated system for the clients by giving a wide variety of inventory, related to flights, hotels and vacations. Galileo offers bookings of airlines, hotels, and car rentals with options of B2B travel portal and B2C travel portal. The Galileo GDS travel software acts as a bridge between the travel representatives and the service providers in a single platform. BookingXML provides the travel agents with necessary information about seats, availability and fares. Galileo (Travelport) API Integration Travelport is one of the largest global providers of travel products in the world and they now give the Galileo global distribution solutions system. Galileo is an application program interface (API) that enables clients to build an interface such as a website, connected to the Galileo. The Galileo GDS API can be used for Airline, car, hotel and cruise accessibility and booking. The data transfer is held via Galileo XML Select and Travelport Universal API. We have greatly skilled professionals in travel technology at our development centre, The team is qualified to deliver top class reservation systems and well trained in web services integration, usesub-user modules and XML live certification process. Galileo reservation system stands with top position in airline reservation software and related to almost all the leading airlines companies. BookingXML also gives solutions to travel agencies by offering the desktop solutions (search & book) and web services XML to combine to core database. Galileo GDS Booking API Galileo GDS software is a comprehensive travel reservation system that has been a leader in the travel industry for many years. BookingXML offers travel businesses with the tools to clarify their reservation processes, improve the travel booking process, and develop their business. Whether you’re a travel agency, tour operator, or hotel, Galileo is designed to fit your specific required and support travel businesses succeed. Galileo provides everything you need to boost productivity, increase earnings and improve the overall client experience. Whether you’re seeking to clarify your reservation process, enhance your booking engine or contact global travel content. Galileo GDS comprehensive software includes everything from booking and managing flights, hotels, and car rental software to arranging cruises, tour operator software, and activities. It also has advanced reporting and analytics capabilities. All of these features make Galileo GDS a one-stop shop for all travel needs. And with its high level of customization, Galileo API can be tailored to meet the specific needs of your business. How Does Galileo GDS API Integration Work in Travel? Galileo is an application program interface (API) that authorizes clients to create an interface such as a website, linked to the Galileo. The Galileo GDS API can be managed for airline, car, hotel, and cruise availability and booking. The information exchange is carried via Galileo XML Select and Travelport Universal API. It integrates all the services at a place and this, in turn, aids travelers to find the best deals which are available across the world. We are the world’s leading Galileo API Integration supplier who has long and successful customers across the world who are satisfied and take the services of the company. We have highly skilled experts in travel technology at our development centre, the team is qualified to deliver superior reservation systems and is well trained in web services integration, usesub-user modules and XML live certification process. Key Features of Our Galileo Booking System: · Flight XML API Integration (International & Domestic) · Hotel XML API Integration (International & Domestic) · Car API Integration · Manage Holiday packages · Agent Registration · Sale Report · SMS My Booking · Hotel Booking CRM · Add Fund / e-Wallets for Travel Agent What Are the Benefits of Galileo GDS? · Agents to book flights, sell seats, book car hire and hotel accommodation. · Shows real-time availability of seats, rooms, and prices. · A user-friendly and updated Computer reservation system · Has integrated payment gateways with secure payment options. · Promotes low fare shopping with branded fares · Low fare shopping on direct flights · Search flight with city or airport name · Galileo enables search for round way flights · Filter search results for flight arrival and departure time. · Galileo comes with the benefit of viewing flight fares For more details, Pls visit our website: https://www.bookingxml.com/galileo-ticketing-software.php |
2023.03.29 11:33 thtsrnmslrdtkn Is there a name for this experience that I've had?
So this is gonna be long af, but here it goes..
A few things about me for context: I've always had a few good friends, but i'm an introvert and I love spending time alone, and especially love being in the comfort of my home. I used to love cloudy wheather, rainy days, cold. I used to find the thought of death kind of comforting, like an ultimate escape from everything (I was fairly depressed during the entirety of my teenage years).
A few years ago exintential dread hit me out of nowhere in the middle of the night. It was such a feeling of dread that was so incredibly overwhelming and UNBEARABLE. I don't really know how to explain it, I was suddenly terrified of death, and everything in life felt meaningless and artificial, and millions of thoughts were racing trough my head, and I know this sounds stupid but it felt like enlightenment, like I could finally see the bigger picture and understand everything and realised nothing in this world matters really, and I felt so small and helpless and completely inconsolable. I couldn't do anything but cry, and after hours of crying I was finally able to fall asleep with the hope that I would forget about it in the morning, but I didn't. The unbearable feeling was still there. And it stayed there. For MONTHS without stop, I was constantly on the verge of tears and the smallest things could break me down. I spent hours of crying, unable to stop, on a daily basis. I tried my hardest to not fall apart all the time. Only the closest people (my mom and my bf at the time) knew that there was something wrong because they saw me break down in tears for seemingly no reason multiple times, but I couldn't explain to them what was wrong. Nobody else noticed (I think), because as I said, I tried fucking hard to stay as put together as I could. I couldn't eat, felt sick all the time, my head, chest and stomach hurt constantly, I was nauseous, I was miserable. I couldn't stand being at home, or to be alone AT ALL, I hated silence, I hated moody wheather and I was fucking TERRIFIED of death. Basically I couldn't stand anything anymore that used to comfort me before. I constantly sought out opportunities to be out with my friends, I was never as social in my life as during this time. I couldn't enjoy anything anymore, the thoughts haunted me every second, and nothing in the world could bring me peace, or comfort me even in the slightest, it was so fucking horrible. This whole thing went on full blast for at least 3 months and then the nausea and the crying fits slowly started to disappear, but the thoughts and the overwhelming feeling of dread stayed with me for more than a year before it finally started to fade away. Thankfully it was all gone eventually and everything went back to normal, but I have anxiety (for wich I'm on medication now), and seasonal depression, these are things I haven't had before this experience.
My question is, is there a name for this thing? A term that's used in psychology? I'm looking for answers because i'd like to look deeper into it and read about it.
submitted by thtsrnmslrdtkn to mentalhealth [link] [comments]
A few things about me for context: I've always had a few good friends, but i'm an introvert and I love spending time alone, and especially love being in the comfort of my home. I used to love cloudy wheather, rainy days, cold. I used to find the thought of death kind of comforting, like an ultimate escape from everything (I was fairly depressed during the entirety of my teenage years).
A few years ago exintential dread hit me out of nowhere in the middle of the night. It was such a feeling of dread that was so incredibly overwhelming and UNBEARABLE. I don't really know how to explain it, I was suddenly terrified of death, and everything in life felt meaningless and artificial, and millions of thoughts were racing trough my head, and I know this sounds stupid but it felt like enlightenment, like I could finally see the bigger picture and understand everything and realised nothing in this world matters really, and I felt so small and helpless and completely inconsolable. I couldn't do anything but cry, and after hours of crying I was finally able to fall asleep with the hope that I would forget about it in the morning, but I didn't. The unbearable feeling was still there. And it stayed there. For MONTHS without stop, I was constantly on the verge of tears and the smallest things could break me down. I spent hours of crying, unable to stop, on a daily basis. I tried my hardest to not fall apart all the time. Only the closest people (my mom and my bf at the time) knew that there was something wrong because they saw me break down in tears for seemingly no reason multiple times, but I couldn't explain to them what was wrong. Nobody else noticed (I think), because as I said, I tried fucking hard to stay as put together as I could. I couldn't eat, felt sick all the time, my head, chest and stomach hurt constantly, I was nauseous, I was miserable. I couldn't stand being at home, or to be alone AT ALL, I hated silence, I hated moody wheather and I was fucking TERRIFIED of death. Basically I couldn't stand anything anymore that used to comfort me before. I constantly sought out opportunities to be out with my friends, I was never as social in my life as during this time. I couldn't enjoy anything anymore, the thoughts haunted me every second, and nothing in the world could bring me peace, or comfort me even in the slightest, it was so fucking horrible. This whole thing went on full blast for at least 3 months and then the nausea and the crying fits slowly started to disappear, but the thoughts and the overwhelming feeling of dread stayed with me for more than a year before it finally started to fade away. Thankfully it was all gone eventually and everything went back to normal, but I have anxiety (for wich I'm on medication now), and seasonal depression, these are things I haven't had before this experience.
My question is, is there a name for this thing? A term that's used in psychology? I'm looking for answers because i'd like to look deeper into it and read about it.
2023.03.29 11:33 ASTL-Token Bitcoin holds ground amid lawsuit against Binance, which is leaking funds.
Bitcoin is up 1.29% to $27,290 in 24 hours, posting a 2.76% weekly loss, according to data from CoinMarketCap. The leading cryptocurrency fell this week after the Commodity Futures Trading Commission (CFTC) filed a lawsuit against Binance for alleged trading violations. Bitcoin dropped from around $28,000 to a low of $26,677 on Tuesday and rebounded above the $27,000 mark early Wednesday. Ethereum also rebounded, climbing 4.09% to $1,776 but still down 0.78% over the past seven days. Ethereum validators will soon be able to withdraw their Ether (ETH) from the Beacon Chain, and the Shapella hard fork is due to be activated on the Ethereum mainnet on April 12. As Ethereum core developers have confirmed, Shapella will go into effect at epoch 194,048, which is scheduled for 22:27 UTC on April 12. Withdrawals will be allowed under the EIP-4895 Ethereum Improvement Proposal by "pushing" staking ether from the Beacon Chain into the Ethereum Virtual Machine (EVM), also known as the execution layer. The epoch, slot, and time have been confirmed after a week-long discussion among members of the Ethereum Foundation, led by Ethereum core developer Tim Beiko.
XRP continued to lead the winners, jumping 10.04% to $0.5215, up 12.92% in seven days. The token continues to rise on expectations that Ripple Labs, whose crypto payment network is powered by XRP, may win a favorable ruling in a lawsuit filed against the company by the US Securities and Exchange Commission. The SEC accused Ripple of selling an unregistered security in the form of XRP. “The implications for the case are very far-reaching for the crypto industry because we expect this decision will ultimately set a precedent for how the US government views crypto asset categorization and regulation,” said Monica Long, president of Ripple Labs. Cardano posted the second largest gain among the 10 non-stablecoins, jumping 6.68% to $0.3678 but still down 1.06% on the week.
Intensifying regulatory tensions, a US judge has ordered a hold on Binance's $1.3 billion acquisition of bankrupt crypto lender Voyager Digital at the request of the Justice Department, which has filed an appeal against an earlier court ruling approving the sale.
According to our data, as of Wednesday morning, Binance held about $64 billion worth of assets in publicly disclosed wallets. Data for the seven days through Wednesday morning shows that Binance has had $2.1 billion in net withdrawals of Ethereum and Ethereum-related assets. However, the outflow of funds is significantly lower than in December, when the daily outflow at one stage rose to $3 billion (after the collapse of the FTX exchange and amid allegations of fraud). Binance's stablecoin outflow hit an all-time high of $5.78 billion on Dec. 13, according to CryptoCount. Binance's stablecoin outflow reached $1 billion on Monday and $810.8 million on Tuesday. On March 13, such withdrawals reached a new high for this year of $2.56 billion after the USDC stablecoin temporarily lost its peg to the US dollar on March 11 and 12. On February 13, Binance also experienced a $2.3 billion stablecoin outflow after the New York City Department of Financial Services ordered Paxos to stop issuing the Binance USD (BUSD) stablecoin.
On Monday, the CFTC filed a civil lawsuit against Binance and its chief executive, Changpeng Zhao, alleging that the company violated derivatives regulations by allowing U.S. residents to trade various financial instruments that include digital assets without a licensing permit. In a blog post on Tuesday, Zhao denied the allegations of wrongdoing, saying the CFTC's complaint "appears to be an incomplete statement of facts."
The total capitalization of the crypto market has grown by 1.80% over the past 24 hours to $1.15 trillion. Total trading volume over the past 24 hours fell 6.00% to $39.94 billion.
Having said all of the above, investors are advised to take some time to think before making any investment. One of the legitimate forms of investment is, for example, the ASTL investment project, which allows investors to have the opportunity to directly invest fiat and cryptocurrency assets in a stable passive income that obviously exceeds inflationary expectations and is not subject to any sanctions, blocking and confiscation. The ASTL project is a simple and elegant solution for potential investors - an investment in the development of the real sector of a diversified portfolio of cryptocurrencies, with a fairly high ROI (up to 12% annually) with payments in stablecoin (USDT) and the possibility of a full return on investment through the subsequent sale of accrued ASTL tokens on leading crypto exchanges. Details can be found at https://astl.io.
submitted by ASTL-Token to ASTL_Token [link] [comments]
XRP continued to lead the winners, jumping 10.04% to $0.5215, up 12.92% in seven days. The token continues to rise on expectations that Ripple Labs, whose crypto payment network is powered by XRP, may win a favorable ruling in a lawsuit filed against the company by the US Securities and Exchange Commission. The SEC accused Ripple of selling an unregistered security in the form of XRP. “The implications for the case are very far-reaching for the crypto industry because we expect this decision will ultimately set a precedent for how the US government views crypto asset categorization and regulation,” said Monica Long, president of Ripple Labs. Cardano posted the second largest gain among the 10 non-stablecoins, jumping 6.68% to $0.3678 but still down 1.06% on the week.
Intensifying regulatory tensions, a US judge has ordered a hold on Binance's $1.3 billion acquisition of bankrupt crypto lender Voyager Digital at the request of the Justice Department, which has filed an appeal against an earlier court ruling approving the sale.
According to our data, as of Wednesday morning, Binance held about $64 billion worth of assets in publicly disclosed wallets. Data for the seven days through Wednesday morning shows that Binance has had $2.1 billion in net withdrawals of Ethereum and Ethereum-related assets. However, the outflow of funds is significantly lower than in December, when the daily outflow at one stage rose to $3 billion (after the collapse of the FTX exchange and amid allegations of fraud). Binance's stablecoin outflow hit an all-time high of $5.78 billion on Dec. 13, according to CryptoCount. Binance's stablecoin outflow reached $1 billion on Monday and $810.8 million on Tuesday. On March 13, such withdrawals reached a new high for this year of $2.56 billion after the USDC stablecoin temporarily lost its peg to the US dollar on March 11 and 12. On February 13, Binance also experienced a $2.3 billion stablecoin outflow after the New York City Department of Financial Services ordered Paxos to stop issuing the Binance USD (BUSD) stablecoin.
On Monday, the CFTC filed a civil lawsuit against Binance and its chief executive, Changpeng Zhao, alleging that the company violated derivatives regulations by allowing U.S. residents to trade various financial instruments that include digital assets without a licensing permit. In a blog post on Tuesday, Zhao denied the allegations of wrongdoing, saying the CFTC's complaint "appears to be an incomplete statement of facts."
The total capitalization of the crypto market has grown by 1.80% over the past 24 hours to $1.15 trillion. Total trading volume over the past 24 hours fell 6.00% to $39.94 billion.
Having said all of the above, investors are advised to take some time to think before making any investment. One of the legitimate forms of investment is, for example, the ASTL investment project, which allows investors to have the opportunity to directly invest fiat and cryptocurrency assets in a stable passive income that obviously exceeds inflationary expectations and is not subject to any sanctions, blocking and confiscation. The ASTL project is a simple and elegant solution for potential investors - an investment in the development of the real sector of a diversified portfolio of cryptocurrencies, with a fairly high ROI (up to 12% annually) with payments in stablecoin (USDT) and the possibility of a full return on investment through the subsequent sale of accrued ASTL tokens on leading crypto exchanges. Details can be found at https://astl.io.
2023.03.29 11:33 Accomplished_Gas_888 Buy villa in UAE
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submitted by Accomplished_Gas_888 to u/Accomplished_Gas_888 [link] [comments]
2023.03.29 11:32 GalacticSherbet Help! Is Cats/Conure cohabitation possible?
 | Never ever thought I would like Birds but while caring for my best friend's kid during the pandemic I fell in love and bonded with the pineapple cheeked conure they got for Christmas. Birb loved me most too. but I couldn't steal a child's pet - so I had to leave brokenhearted. I have three cats 7mo - 2yrs old who like to sit at the window and drool over birds outside. If I brought one into our home is there any possibility for them to get along? Exposure Training? Or is it too great a risk to the bird's safety? I would die if my cats killed a bird I brought home. Advice appreciated submitted by GalacticSherbet to Conures [link] [comments] |
2023.03.29 11:32 uglydollirl my fiancé is getting deported tomorrow, i don’t know what to do.
a little background information, my (18m) fiancé (20m) and i met a while ago, but we instantly hit it off. i knew i loved him from very early on, and nothing has changed that. he’s perfect to me, he makes me feel like the luckiest man in the world. for privacy’s sake, i’ll keep the situation vague. my fiancé almost died on his campus’s property, and although he’s never had any behavioral issues on campus, he got expelled. he found out while he was in the hospital recovering. he’s staying in america because he has an i-20 visa, and he was given 15 days to pack up all his belongings from the school and leave the country. however, only a few days in, the school managed to fuck him over once again. we found out yesterday that they were instead giving him 48 hours to pack up and leave. (it’s important to mention that he got discharged from the hospital the day before yesterday.) he’s moving halfway across the world, and his timezone is 11 hours ahead of mine. i’ve been trying to stay strong, in front of him at least, so we can enjoy the time we have left together. i love him more than anything. keeping the most recent events in mind, we very recently got engaged. we both don’t have enough money to afford a wedding, let alone rings, but it’s a promise that as soon as he’s back, we’ll build our life together. i know he’ll be back someday, if he’s accepted to any colleges in the area that’ll grant him an i-20 visa. and as soon as he’s back home, i’m going to give him the proper proposal he deserves. he’s my home, my world. distance could never change that. does anyone have any advice on long-distance, or this situation in general? i’m very anxious, i’m not sure how to properly deal with this. anything is appreciated.
submitted by uglydollirl to offmychest [link] [comments]
2023.03.29 11:32 Reader_fuzz How would you guys tackle this issue?
So this has been going on for about month. After we took our 9 year old son off his ADHD meds because he had a very scary health issue suddenly pop up one school day. For a week he was off his meds thankfully that issue did not happen and has not happened since. The only speculation is it probably was caused by a migraine. So when he was off his meds he was angry. He already has a quick temper something we have been working on with him at home about. Off his meds at school was a whole different ball game than like he is at home. He made a poor choice and decided to throw his notebook at his classmate that threw a pencil at him. While he did already pay for that decision at home and at school. If seems he is now labeled as the bad kid. Ever since then he has told me no teacher will listen to him and he keeps getting recess taken away. Also the teachers stop talking to me on pick up about his silly jokes, or something silly he did that day. They go out of their way to avoid me. Which is weird because I have not even said anything else to them since the whole incident. I have also not heard anything from them since he has been back on his meds. I am pissed off that if there is any remote truth to what my child is saying. He likes to tell things how it feels to him than what is actually happening. Especially with waiting. Like if he is super excited about something 1 minute will feel like an hour and this he will say I have been waiting for an hour. Still he has been consistently telling my husband and I about how his recess has been taken away. Because other children have teasing/bullying him and the teachers believe the 3 other children over my child. My whole issue and why I am mad is because I have not heard anything. We have noticed how he is no longer excited about school and it's a push to get him to want to go even get to school on time. Before this incident he loved going to school a bit early to be able to talk to his friends. My plan is to email his teachers. Note: this school has them go to the grade level teacher they are personally at for math and reading. Is there any particular way I should word this my questions about what is happening? I have been trying to get him have a behavior plan from day 1 when he was officially diganosed and they outright refused. I want to ask what is going on so we can come up with a plan together because I fully believe in a united front. To better help him to be the mature and well rounded adult. I also plan on asking about why he says recess is taken away and about the bullying. Sadly it happened a lot last year I fought for him and little was done to fully improve the situation. Because they "never saw it" and "you know how sensitive he can be" While I fully acknowledge that yes our 9 year old is dramatic but should that not be a red flag if he keeps saying the same person or persons are messing with him? I was truly hoping this year would be better at this school. It started out that way. Seriously everything has changed ever since he had a really bad day. Now it's like 2nd grade all over again.
submitted by Reader_fuzz to Parenting [link] [comments]
2023.03.29 11:32 silverdress Listening to people talk about how much fun they had during lockdown really upsets me.
While they were chillin’, I was watching patients I’d known for years deteriorate. People who’d been contact-guard assist went to bedridden and hallucinating in a matter of weeks.
I was doing CPR by myself, praying the EMTs would come soon. And when they did, they had to break it to me that there was no hospital able to take the patient; they were all full.
I was bathing and dressing and styling the hair of deceased patients, trying to give them a little dignity before the funeral home people came.
I was hiding an extension cord beneath the passenger seat of my car, in case I just couldn’t face another day and needed to unalive myself in the parking lot.
A coworker reached out to me and said she’s unable to work and seeking disability due to Long COVID now. I had dropped off the face of the earth and she wanted to know if the same thing happened to me too. Not exactly the same, I guess.
Therapy hasn’t been helpful. It seems like nobody understands how hopeless and scary it was for me. I’m trying to move forward, but whenever the memories come back, I break down.
submitted by silverdress to COVID19_support [link] [comments]
I was doing CPR by myself, praying the EMTs would come soon. And when they did, they had to break it to me that there was no hospital able to take the patient; they were all full.
I was bathing and dressing and styling the hair of deceased patients, trying to give them a little dignity before the funeral home people came.
I was hiding an extension cord beneath the passenger seat of my car, in case I just couldn’t face another day and needed to unalive myself in the parking lot.
A coworker reached out to me and said she’s unable to work and seeking disability due to Long COVID now. I had dropped off the face of the earth and she wanted to know if the same thing happened to me too. Not exactly the same, I guess.
Therapy hasn’t been helpful. It seems like nobody understands how hopeless and scary it was for me. I’m trying to move forward, but whenever the memories come back, I break down.
2023.03.29 11:32 Elon__Ge Banking Crisis: A Possible Antidote to Inflation, Rather than a Recession Trigger - Goldman Sachs Claims.
When faced with instability, banks often become more conservative, becoming more selective in issuing loans, raising loan rates, and holding more cash to protect themselves from the worst-case scenario of a bank run.
These stricter loan standards may lead to a credit crunch, making it difficult for consumers and businesses to obtain necessary funding, potentially having a significant impact on the economy. Some predict a looming recession.
However, Jan Hatzius, Chief Economist and Head of Global Investment Research at Goldman Sachs, believes that banks' recent issues and the ongoing credit crunch may actually help the Federal Reserve cool the economy and combat inflation.
In a report released on Tuesday, Hatzius wrote, "Our baseline expectation is that reduced credit availability will prove to be a headwind that helps the Fed keep growth below potential…not a hurricane that pushes the economy into recession and forces the Fed to ease aggressively."
Hatzius is not alone in this view. At a press conference last week, Federal Reserve Chairman Jerome Powell also stated that stricter loan standards could have the same anti-inflationary effect as raising interest rates.
To curb the highest inflation levels in 40 years, Fed officials have raised interest rates at a faster pace over the past year than at any other time in history.
As banks reduce the amount of loans they provide, businesses find it harder to invest in their growth, and consumers find it harder to obtain loans to purchase new homes or cars, ultimately cooling the economy.
However, if loan standards are too strict, similar to the Fed raising interest rates too much, the economy could slow to the point of recession.
Hatzius does not believe that recent banking issues, such as the collapse of Silicon Valley Bank, will cause banks to reduce their lending to that degree. Larger banks will continue to provide loans because they have "higher capital and liquidity standards than smaller banks and are subject to more stringent stress tests" from regulators, which makes them more resilient in times of financial stress.
Hatzius added that it is too early to judge the long-term impact of the banking crisis. Nevertheless, he raised the prediction for the probability of a US economic recession in the next 12 months, stating that it is now at 35%, up from last month's 25%.
First, he warned of the potential for another bank run due to consumer wariness after SVB's collapse. "The most effective way to reduce this risk would be an unlimited deposit guarantee. But that probably requires an act of Congress, which is unlikely to materialize barring a more intense crisis," he said.
Meanwhile, Hatzius argued that the need to pay higher interest rates to attract depositors is a longer-term issue for banks in the age of social media and digital banking, where depositors can quickly move funds by tapping an app.
"This is the first bout of turmoil of the truly digital age, in which residual concern about bank solvency may interact with frustration about low deposit rates," he wrote. "This could put more significant upward pressure on bank funding costs and create greater downside risk to credit availability than our statistical analysis would suggest."
Get the latest market information here.
submitted by Elon__Ge to StockMarket [link] [comments]
These stricter loan standards may lead to a credit crunch, making it difficult for consumers and businesses to obtain necessary funding, potentially having a significant impact on the economy. Some predict a looming recession.
However, Jan Hatzius, Chief Economist and Head of Global Investment Research at Goldman Sachs, believes that banks' recent issues and the ongoing credit crunch may actually help the Federal Reserve cool the economy and combat inflation.
In a report released on Tuesday, Hatzius wrote, "Our baseline expectation is that reduced credit availability will prove to be a headwind that helps the Fed keep growth below potential…not a hurricane that pushes the economy into recession and forces the Fed to ease aggressively."
Hatzius is not alone in this view. At a press conference last week, Federal Reserve Chairman Jerome Powell also stated that stricter loan standards could have the same anti-inflationary effect as raising interest rates.
To curb the highest inflation levels in 40 years, Fed officials have raised interest rates at a faster pace over the past year than at any other time in history.
As banks reduce the amount of loans they provide, businesses find it harder to invest in their growth, and consumers find it harder to obtain loans to purchase new homes or cars, ultimately cooling the economy.
However, if loan standards are too strict, similar to the Fed raising interest rates too much, the economy could slow to the point of recession.
Hatzius does not believe that recent banking issues, such as the collapse of Silicon Valley Bank, will cause banks to reduce their lending to that degree. Larger banks will continue to provide loans because they have "higher capital and liquidity standards than smaller banks and are subject to more stringent stress tests" from regulators, which makes them more resilient in times of financial stress.
Hatzius added that it is too early to judge the long-term impact of the banking crisis. Nevertheless, he raised the prediction for the probability of a US economic recession in the next 12 months, stating that it is now at 35%, up from last month's 25%.
First, he warned of the potential for another bank run due to consumer wariness after SVB's collapse. "The most effective way to reduce this risk would be an unlimited deposit guarantee. But that probably requires an act of Congress, which is unlikely to materialize barring a more intense crisis," he said.
Meanwhile, Hatzius argued that the need to pay higher interest rates to attract depositors is a longer-term issue for banks in the age of social media and digital banking, where depositors can quickly move funds by tapping an app.
"This is the first bout of turmoil of the truly digital age, in which residual concern about bank solvency may interact with frustration about low deposit rates," he wrote. "This could put more significant upward pressure on bank funding costs and create greater downside risk to credit availability than our statistical analysis would suggest."
Get the latest market information here.