#crash course judicial

[chinar1]

Top Judiciary Coaching Institute in Gurgaon: Your Path to Success. When it comes to preparing for judiciary exams, finding the right coaching institute is crucial. In Gurgaon, one name stands out as the top choice – Chinar Law With a proven track record of success, experienced faculty, and comprehensive study materials, they are the leaders in judiciary coaching in Gurgaon.

[honeybadgercomeback]

Come Back, Be Here (Part One) | DR3

Five years pass in the blink of an eye and you’ve sacrificed so much to support the man you love. But you can’t keep doing it. When you make the decision to end things you have to carry through to find who you are again.

AN: Part two will be up in the next couple of days. If you’d like to be notified leave a comment and I’ll tag you!

Warnings: heavy angst, breakups, lying.

—

The day you made your decision was really just the straw that broke the camel’s back. It was more hotel rooms, more planes, more lines added to your flight tracking app. You’d travelled around the world more than twice already in the year and it was only August.

You’d end up at yet another race track where you’d had your photo taken more times than you could count. Those professional photos that you were never happy with got posted to instagram accounts run by people who claimed they knew who you were and what you stood for. To yet more flights and more frequent flier miles than you ever thought anyone could have. Planning flights based on airline rather than price to keep earning them, your permanent status just increasing. First class tickets you never could afford to every location, sitting in airline lounges and smiling when people came up to Daniel to wish him luck or ask for a photo.

And every few months you got dressed up for one event or another. A gala, a charity, some sponsor party because everyone wanted to see “Daniel Ricciardo’s other half”. Getting dressed up in a dress you didn’t buy and jewellery that was loaned to you by designers. Standing on a red carpet with your fiancé’s arm around you as he gave that familiar wide grin and you played the fawning date.

You hated every single moment of it, and you didn’t know when you’d started hating it.

It was all for Daniel, and you loved him so you did everything that was asked. You did the busy days and the ridiculous travel. Ignored the hate comments on every single photo you posted on your instagram account - even a photo of the cake you’d baked for a friend’s birthday got comments about how it didn’t look good. You used Twitter Circles and Close Friends judiciously on social media, all of your accounts with that familiar blue tick because you were a “public figure”.

Instead of taking the first choice job you wanted to have you’d declined it because it was in an office five days a week. You’d taken the one you didn’t want as much because it was flexible work and you could do it from anywhere in the world so you got to travel with Dan. You made it to every race on the calendar with him, a fixture in the back of the garage of whatever team he was racing with. You’d wear his merch and have headphones on to listen to the team radio as he raced. Wherever he went, you followed because you were The Ricciardos and of course you were there. The engagement ring that had been on your left hand for eighteen months just proved it.

But you still saw what people said whenever you were in the paddock. How people made snide comments about your job because you were always there, and if you weren’t in McLaren hospitality waiting on Dan you were in Red Bull with Kelly. You were friendly with the other wives and girlfriends of drivers, you’d been there the second longest now. You were the one who was at every race, and when women came for the first time with their now public relationship you were the one who welcomed them to the chaos. And set up the new whatsapp groups whenever they were needed. You blamed Pierre for how many you needed most of the time really.

It was you and Kelly as the focal point of the group. Your partners were best friends, you got along and knew what was going on, it was a natural fit. You could put the smile on and grin and hug, helping everyone keep their head up high. When a crash happened you’d seek out whoever needed comfort and remind them of the safety that was there now. It fit you well.

But you were drowning in it.

August was supposed to be the summer break but Dan was in Woking for yet more McLaren meetings. He’d told you it was normal, part of the organisation for the third year of his contract. You were plugged into the paddock gossip, you knew what was being said, how people talked about your fiancé. The way people talked about how Dan was getting what was coming to him, a new young Australian taking over from the washed out one. The way Blake looked at you sadly, as if he was barely biting his tongue, every time someone mentioned contracts or gossip.

It wasn’t supposed to be like this.

You were supposed to be in love, be loved. Racing would always be Daniel’s first love but you could fit in there somewhere with him. Be a priority for him. Except you weren’t his priority anymore. The fact that your fifth anniversary came and went without him acknowledging it or even texting you a hello. That was the crystal clear moment that whatever you wanted was not a priority compared to his career, and you deserved better than that. You deserved to be more than an afterthought.

Once the decision was made it was easy to organise moving out. Finding an apartment in Nice was the first thing to do and it was shockingly easy. Monaco was out, the streets too small and filled with memories. Once you were settled in an apartment you could look at a new job or new country, but away from the principality was enough for now. Then it was packing up your life.

Most of your belongings were presents from Daniel. It had become his habit to try pay for everything, the income disparities clear between you. It was with the kindest of intentions but had become a gilded cage that you couldn’t escape. You didn’t know who you yourself were anymore. You didn’t know how to be anyone except F1 WAG. Daniel Ricciardo’s fiancée. The woman with so many gossip column inches it felt wrong. The Daily Mail had a category for your name at this point and that was never who you wanted to be. You’d lost yourself and you needed to find yourself again.

You got the train to Nice and signed your month to month lease for a furnished apartment. It was unusual to have one, but the letting agent recognised your face and accepted it without a moment’s thought. Once it was signed your next stop was to rent a car to bring your belongings to the small apartment.

It was simple and you had a plan. Pack your boxes of your belongings, put them in the car, drive. It took two trips to get most of them over, the final set sitting there until you decided to leave for the final time.

You had to tell Daniel in person. He deserved to have his heart broken in front of you, rather than by phone or text. He was good and loyal and he wasn’t a bad guy, this just didn’t work anymore. He deserved someone who could support him fully. It wasn’t something you could keep doing.

You sat in the living room after getting the text that he’d landed in Nice, knowing that this was the last time. You weren’t going to see him again and that hurt. You were leaving for good and never coming back here. Your engagement ring was in the green leather jewellers box he’d proposed with, sitting on what had been your bedside locker. Taking it off your finger and pushing it into the velvet cushion was when you’d shed your first tear. It was small and neat and exactly what you’d wanted, and you’d loved it from the moment he flipped the box open. Asses online had said it wasn’t enough for a millionaire’s fiancée, that you obviously didn’t mean much to him.

You didn’t want the ring or the money. You wanted Daniel. But you couldn’t have him in a way that would make you both happy.

“I’m home!” His voice echoed around the living room as he arrived in, dropping bags on the floor and you pulled him in for a hug. This was the last one you’d share and doing this when you knew things weren’t good for him professionally hurt but you had to. You couldn’t lose more of yourself.

“Hey. How was the factory?”

“Good. We need to talk about some of my—“

“Dan, I know.” He stopped still at your words. “But we need to talk about something else.”

“I’ve got a couple of offers on the table, and we’ll be—“

“Daniel.” Your voice was soft and he stared at you. His brown eyes opened wide and it felt like he was properly seeing you for the first time in what felt like years. He looked like that Daniel you’d fallen in love with in 2017, a Red Bull star with a wide smile and wild curls. You hadn’t know what you were jumping into when you danced with the man in the nightclub and went home with him. You couldn’t have guessed how your life would change. That the next five years would be the best and worst of your life and he made the highs even higher but the lows so much lower. He made everything better and worse at the same time. He took you in fully and you could tell when his eyes caught the missing jewellery.

“Where’s your ring? Were…were you robbed? What’s going on?” They were halfhearted questions as you shook your head and the reality began to sink into him.

“You know as well as I do that this isn’t working. And I’m so sorry things are ending now. But we…it’s the wrong time for us. I can’t love you the way you need and you can’t support me the way that I need. I’m sorry.”

He looked at you for a solid minute in the silence, it was as if you could see his heart break.

“But we love each other?” That it was a question cut you like a knife.

“I don’t think it’s enough. I’m not enough for you.” It was those words that made his face crumble and you took a step back, looking down at the tiled floor. You couldn’t cry. You were the one hurting him, you didn’t get to cry in front of him.”

“You are. I swear you’re enough. You’re more than enough.”

“Be happy, Daniel Ricciardo. Be happy.”

All you wanted to do was squeeze his hand and take the pain away but you couldn’t. Instead you slipped past him in your worn out sneakers and left through the front door, closing it with a gentle click.

The routine to leave the building was practiced. A few steps to the elevator, down the floors, and out. Except this time you were going to the parking garage in the basement to get the rental car and leave, and for the first time in so long someone else got into the elevator a few floors below what had been yours.

“Hey, I haven’t…is everything ok?” Max looked at your tear streaked face as you blinked back the worst ones, wiping your face roughly with your hand.

“Will you look after him for me? He’s gonna need you now.” It took a few moments for your words to sink in as he stared at you.

“What happened? Did you have a fight? You know he’ll be down in a minute to fix whatever he did, he loves you.”

“I ended things.” The shock on his face was clear as the doors shut to bring you both down. “I ended things about two minutes ago, and he’ll need his friends. I know I’ve no right to ask this, but please. Look after him for me.”

“You can work this out. Come up to ours, stay with us for a night. Think this over.”

“Max I have. I’ve been thinking about this for weeks. He forgot our anniversary and that was the final thing. He deserves someone who can support him the way he needs, and that’s not me right now. He deserves to be happy. I can’t help him be happy. Just please. You and Seb and Estie can help him. I can’t.”

You’d arrived in the garage and Max watched you step out of the elevator with him, heading to the small hatchback that stood out in the area filled with sports cars.

“Where are you going?”

“I got an apartment. I’m going to find out who I am. It’ll be worth it.”

You didn’t expect the Dutchman to wrap you in a hug but he pulled you close, squeezing for a moment before letting go.

“If you need anything. Day or night, no matter where in the world I am, you call ok? You’re like a sister to me, call me whenever you need. And Kelly will be in touch soon to see you, P is gonna miss her aunt.”

“I will.” It was a bare faced lie but it made him look lighter so you told it easily. As far as you were concerned you weren’t going to see them again.

Once you made it into Nice and parked you picked up your phone, pulling up the Find my iPhone app. It took far too few swipes to hide your location from Dan and Kelly, making sure they couldn’t see you. Once you did that you went into the WAG WhatsApp, this one entitled “oh god they’re home for two weeks what’s this chaos”. It took little time to set Kelly as an admin and then leave the chat with a waving emoji and a red heart.

The very last thing to do was to go into an Orange shop and get a new SIM card with a new number. You snapped the old SIM between your fingertips to get rid of it. It was over. You had your new fresh start but it didn’t feel like one.

Part Two

Tags: @vroomvroommbtch

[stephensmithuk]

The Priory School

Published in 1904, this is the final story we're covering from Return.

It is also our first story set in the reign of Edward VII, who was a rather different monarch to his mother to put it mildly.

So, the Duke of Holdernesse's biography. Brace yourself, because this is going to need a few points to cover:

There have been a total of 40 dukedoms created in the English peerage; some of them have been recreated over the centuries after dying out due to lack of a male heir (they are nearly always male only) or the holder ends up becoming King, in which case the dukedom "merges in the Crown" and is free for further use. For example, Prince Philip was made Duke of Edinburgh as a wedding present when he married the future Elizabeth II. When he died, Prince Charles inherited the dukedom but didn't use it as he was already Prince of Wales. King Charles III then gave the Duchy to his brother Edward as a 59th birthday present, but made it life only. I will mention Edward again later.

Not counting the Duke of Cornwall, the title being explicitly linked to the oldest son of the monarch i.e. Prince William, the oldest active dukedom is Norfolk, currently with its 18th holder, Edward Fitzalan-Howard. He also holds the hereditary title of Earl Marshal, in that capacity organising both the funeral of Elizabeth II and the coronation of Charles III, something made a good deal harder when he got a six-month driving ban for driving through a red light while on his mobile. His lawyer managed to get a good part of the hearing done in private because the mitigation stuff involved discussing sensitive coronation details.

KG stands for "Knight of the Garter". Below the Victoria and George Crosses, the latter of course not yet a thing, this is the most prestigious honour you can get in the honours system. It typically goes to royals domestic and foreign, top officials including Prime Ministers and those who have done major works for the monarch personally. However, notable other cases include Sir Edmund Hilary i.e. the Everest chap. At the time, the Government made appointments, but to stop the honour being used for patronage, since 1946, the sole appointer has been the head of the order i.e. the monarch.

I could go on about the Garter, but we'll be here all day.

PC stands for Privy Counsellor, a formal group of senior advisors to the monarch, that includes top politicans. They still have a function, including intelligence sharing and can use the title "Right Honourable" even if they aren't. Some have in fact been kicked out recently for criminal convictions.

If you have multiple titles, your oldest legitimate son is allowed to use one of the junior ones as a courtesy title. Hence Lord Saltire. Pivoting back to Prince Edward, his oldest son James, aged 15, uses the title Earl of Wessex, his father's wedding present and will inherit that from his father. As a monarch's grandson, he will have the right to call himself a prince when he turns 18.

This said, it is perfectly possible for a kid to become a Duke in his own right. The other Prince Edward became Duke of Kent in 1942 aged just six when his father died in a plane crash.

Lord Lieutenants are official deputies of the monarch in the various 'ceremonial counties' (as British local government is now rather complex). They used to have a role leading the local militias and still play a role in selecting low-level judicial officials, but their main job is giving out medals and opening stuff. They also have deputies below them, who are the people you write to if you want a royal to open something.

Hallamshire was a historical area in what is now South Yorkshire, no longer a county by this point, that covers an area roughly the same as the modern-day City of Sheffield.

Preparatory schools or "prep schools" are fee-paying schools designed to prepare children for the Common Entrance Examination to get into one of the public schools like Eton or Fettes. They are frequently, but not always, boarding schools.

Yes, 13 May 1901 was a Monday.

An Eton jacket is a short (waist-length) jacket with three buttons. Outside the military, where it forms part of mess dress, it's now far more associated with service staff.

Heidegger shares his name with a German philosopher, Martin Heidegger, who had yet to come to prominence at the time. A Nazi supporter, he has the interesting distinction of being the only then-living philospher mentioned in the "Bruces' Philosophers Song" by Monty Python.

An "ordnance map" refers to the Ordnance Survey maps. Originating in 1745, when maps of Scotland were created to assist in putting the Jacobite clans then in rebellion against the government, these have been the standard maps for ramblers, the military etc. for generations and can be used to trace changes in places over time. The ones from before 1970 are now public domain and available online.

The bicycle track deductions have been debated to death by Holmesian scholars over years; Klinger covers their analysis in some depth. Doyle himself admitted he wasn't quite right.

It was a legal requirement for the details of the landlord of a pub to have their details prominently displayed at the entrance. By tradition, that was and still is above the door. However, since 2003, you legally just need the premises licence on display.

The Capital and Counties Bank had 473 branches across the UK until its 1918 acquistion by Lloyds Bank, still the largest retail bank in the UK.

Britain had "felony murder" like the US until 1957. Since Wilder is involved in the kidnapping, he would be just as liable as Hayes for the murder of Heidegger and could face the death penalty with him.

This became a matter of huge controversy in the 1953 case of Derek Bentley, also known as the "Let him have it" case. Bentley allegedly delivered those words to his accomplice in a burglary, Christopher Craig, a 16-year-old who then shot dead a police officer. Bentley himself had mental development problems with a IQ recorded of 77. Both were found guilty of murder and Craig spent ten years at "Her Majesty's Pleasure" as a juvenille offender. A recommendation for mercy in the case of Bentley was ignored by the judge and when the appeal failed, the Home Secretary David Maxwell Fyfe (who had also overseen a major increase in the persecution of gay men) declined to commute the sentence, despite 200 MPs calling for it. Bentley was hanged, but the continuing outcry was a key factor in the 1964 abolition of capital punishment in England and Wales. Bentley would get a posthumous royal pardon in 1993 and the Court of Appeal quashed his murder conviction in 1998 on the grounds of the flawed trial.

[justinspoliticalcorner]

Ellen Ioanes at Vox:

Iranian President Ebrahim Raisi died Sunday in a helicopter crash, a shocking turn of events that immediately raised questions about the Islamic Republic’s future.  In the short term, Raisi’s passing is unlikely to alter the direction of Iran’s politics. But it does remove one possible successor to 85-year-old Supreme Leader Ayatollah Ali Khamenei.

In the long term, Raisi’s unexpected death may prove more consequential. The question of Khamenei’s succession is increasingly urgent because of his advanced age. Though Iran’s president can be influential in setting policy, the Supreme Leader is the real seat of power, controlling the judiciary, foreign policy, and elections. Raisi and Foreign Minister Hossein Amirabdollahian’s helicopter made a hard landing sometime on Sunday in Iran’s mountainous northwest, where weather conditions made travel difficult and dangerous. Iranian state media announced the deaths of the two politicians and six others onboard, including three crew members, on Monday after rescue teams finally reached the crash site. The deaths of both Raisi and Amirabdollahian come at a time of internal and external challenges for the Iranian regime. A harsh crackdown after the widespread protests of 2022 and significant economic problems domestically have eroded the regime’s credibility with the Iranian people. Internationally, Iran is embroiled in a bitter regional conflict with Israel as well as a protracted fight with the US over its nuclear program.

In the near term, the first vice president, Mohammad Mokhber, will be the acting president as the country prepares to hold elections within the next 50 days as dictated by its constitution. (The Iranian government includes vice presidencies overseeing different government agencies, similar to US Cabinet-level secretaries; the first vice president is roughly equivalent to the US vice president.) Raisi was considered a potential successor to Khamenei, having already been vetted by the ruling clerics during his 2021 presidential run and having been committed to the regime’s conservative policies. With his death, amid one of the regime’s most challenging periods, Iran’s long-term future is a little less certain.

Within Iran, succession is the biggest question 

A hardline conservative cleric, Raisi always wore a black turban symbolizing his descent from the prophet Muhammad. His close relationship with the powerful Islamic Revolutionary Guard Corps (IRGC) fueled speculation that he could succeed Khamenei. The paramilitary force exerts significant sway over internal politics and also wields influence throughout the broader region through aligned groups and proxy forces in Iraq and Syria, as well as Hezbollah in Lebanon, the Houthis in Yemen, and Hamas in Gaza.  Raisi was initially elected in 2021 with 62 percent of the vote, though turnout was only 49 percent — the lowest ever in the history of the Islamic Republic, evidence of the crisis of legitimacy in which the government increasingly finds itself. “People don’t want to legitimate the government by participating in what they consider either fraudulent or just non-representative political outcomes,” Firoozeh Kashani-Sabet, Walter H. Annenberg professor of history at the University of Pennsylvania, told Vox. 

Throughout his judicial career, Raisi is alleged to be responsible for or implicated in some of the government’s most brutal repression and human rights abuses since the 1979 revolution, including serving on the so-called Death Committee, which was tasked with carrying out thousands of extrajudicial executions of political prisoners in the 1980s. During and after the Iran-Iraq war, there were a number of groups opposed to the regime, as well as supporters of the Iraqi position and even an attempt to attack Iran from Iraq. In order to preserve the Islamic Republic’s legitimacy, Ayatollah Ruhollah Khomeini ordered a sweeping purge of the opposition; many of the dissidents who were arrested were chosen for execution arbitrarily.

Following the disputed 2009 election — which birthed the Green Movement, the most significant threat to the regime in decades — Raisi, then a high-level member of the judiciary, called for the punishment and even execution of people involved in the movement. And as president, he helped oversee the violent backlash to the Woman, Life, Freedom movement that erupted following the death in police custody of Mahsa Amini, a 22-year-old Kurdish woman arrested by the morality police for allegedly wearing her hijab improperly. Raisi’s unpopularity due to his repressive past and worsening living standards for ordinary Iranians had helped further erode the government’s legitimacy, which may affect the upcoming presidential contest.

With the death of Iranian President Ebrahim Raisi via a plane crash, it could have long-term effects, as Ayatollah Ali Khameini could be nearing the doorstep of death and succession plans to succeed him have been thrown into chaos.

[ratsoh-writes]

MEET THE THEATRETALE BROS!!

Before I introduce them, let me give a little background on the au

Theatretale: like most other AUs, these monsters were shut underground behind a barrier after the war. To cope with the loss and grief of the ones the lost, and their imprisonment, every one turned to music. It’s believed that these monsters are close au relatives of the dance monsters. They were freed by the crash and now live fairly peacefully with every one else

Tempo:

He is the older brother at 42 years old and stands only 5’4 feet high. Tempo has a pink/purple magic and a small patch of freckles along his nose ridge and cheek. He’s a passionate and cheerful monster, always lost in his own little world. Tempo is hard to put down. He has wonderful self esteem and a bit of an ego. Luckily he balances it out by lifting his friends up.

Tempo is an artist in every sense. He paints, sculpts, writes, plays music, and even sings. (He does not have the sans curse and can actually sing some lovely low notes). However his favorite thing ever is composing music. He’s responsible for almost a seventh of all the mettaton movie backgrounds after the crash. He’s also written songs for a few local and famous bands.

Things he loves: the color royal purple, sour gummy worms, art in any form, shiny keychains, band merch, music in any form, goofy looking tshirts and sneakers, open world video games, VR, his pet ferret Mr boogie.

His magic weapon is a guitar he uses as a mace lol. His special ability is is making little star “emotes” appear above his head every time he’s excited. (It’s really cute). His birthday is February 15.

Vibrato:

Vibrato is the younger brother at 36 and stands a whopping 6’8 feet tall. He has standard purple magic and also has freckles, however they only appear on his arms. Vibrato is cheeky, kind, a tiny bit flirty, and seems to draw crowds of monsters and people to him. He’s extremely charismatic and loves people. He’s a bit naive and innocent however so he’s fiercely protected by his true friends from the rabid fans

Vibrato is an amazing singer. His voice has beautiful range and volume, and he has trained it since he was practically a baby. Vibrato sings with his AUs mettaton, mettatune, in a band called Look Skyward. He also can play the bass. When he isn’t touring he does a bit of acting and has appeared in a few movies too as a side role.

Things he loves: bright orange, strawberry cake, neat nail art, karaoke of course, singing, playing his instruments, his big bro and friends, watching sparring matches, feather boas, drink mixing

His magic weapon is a tommy pistol modeled after mettatunes Wild West themed concert from when he was a teen. His special ability is being able to hold his breath for nearly 10 minutes. (The skeleton monster average is 4). Vibrato was born on March 2nd.

Side characters:

Gallery: theatretale Asgore, gallery is a snide snobbish monster. He’s a merciless critic and composed and elegant. Despite his love for the arts, his talent landed him as a supreme judge instead. He can always be counted on to judge criminals logically and without mockery. His soulmate Antoine also works in the judicial system as another judge.

Melody: theatretale toriel. Like the outertale royals, she and gallery are actually siblings! Twins to be exact. She was never actually a royal until after the crash when she agreed to take the ritual to give them extra help, and the theatre monsters another representative. Melody is prideful and logical like her brother, but with more of a kind side. She funds the arts in ebotts education systems and helps schools pick out kids with talent. She also runs some charities for low income families. Her soulmate Belle is a stay at home parent currently taking care of their twin babies.

Antoine: the soulmate of gallery, she is a soft and plump cat monster with sage green magic and white fur. Antoine doesn’t like the spotlight and is a master at avoiding the paparazzi

Belle: the soulmate of melody, she is a gorgeous black furred goat monster with curling horns and a soft pink magic. She recently had their first kids, twin goat monsters, and is on maternity leave with them.

Mettatune: theatretales mettaton, he loves everything music of course and has always focused on concerts and albums over movies and theme parks like the other mettas. He’s very possessive over his workers and doesn’t like to share them so his team is pretty exclusive, even down to the janitor. A great honor and a greater responsibility.

[haritonseldonshusband]

So like, I don’t talk a lot of details about my job online, for obvious safety/security/not losing that job reasons, but I have GOT to tell you all the shit that’s going down.

I work at a legal firm, right? I’m a legal assistant. And when I first got this job, I was like, “omg, this is like, a dream come true.” Because almost immediately after I landed the job, they were like, “hey, you can actually work from home full time if you want,” and it didn’t involve phone calls or any public facing work, and I was like, YES. Finally something for my anxious ass.

Within my first two months at the company, there was a major layoff (around Christmas) that took out basically every group that had been hired after me. Yikes. But my good luck that I got to stay on!

Fast-forward.

I’ve now been working at this company for two years. I switched from a tertiary work group to the main company, and then the group I was working with got our own department! Cool! Lots of people got flown down here so we could all meet in person and have lunch together and get Branded Gifts lol. Fun!

A couple of months after that, around Christmas, we all got called into a Firmwide Town Hall type thing, and during that, the WHOLE company got blindsided by the news that 25% of the company was either going to have to voluntarily resign, or be laid off, because we’ve been operating at a loss. And they’ve KNOWN this since JULY.

They tell us with about two weeks to make the decision, with the assurance that everyone who resigns will get a separation package, depending on how long they’ve been with the company. So, me, two years in, am looking at a separation package of one month’s pay from the date I sign the agreement, or potentially two weeks’ pay if I’m laid off by the company later. Great.

I decide to try to stay on. Our team is small, and we handle a lot of work, so I’m hoping we won’t be trimmed down too much, and I’m hoping the higher salary folks will be targeted first, as mean as that is. We’re getting trained on some new work that we’re taking over from another group, on top of our already stifling workload.

After the new year rolls around, we get an email from the attorney that heads up our team. She’s made a list of the people who are leaving from our team:

1x - Manager

1x - Team Lead

1x - Sales Dept. Person

1x - Attorney Support

1x - Irreplaceable Person Who Has Old Knowledge Unshared for 50+ years

Four people of our already small team leaving. To put that in perspective, we’re now left with:

1x - Judicial Foreclosure Person

1x - Nonjudicial Foreclosure Person

1x - Sales Dept. Person

1x - Manager

1x - Attorney

Y’all, our team got HALVED by this. We already were struggling.

So now they’re trying desperately to crash course us through all of the things that the people leaving do/did; we have no guides ready for most of this stuff, the work is piling up because the people who normally do it are now having to stop doing it to take the time to teach US to do it, and it’s not making any sense, because it’s not the type of thing you can learn in a couple of Zoom calls lol.

Also, when I say that person up there is irreplaceable? I mean it. Literally no one else knows how to do their job, lol. And they’re not good at teaching it, because it’s something you have to learn by doing to really GET. And you have to learn it by doing it over YEARS.

When I tell you this company has become an absolute dumpster fire, y’all.

AND,

AND

to top it all off, we’ve been asked to detail out our work days so that they can offer these descriptions to a Financial Advisor who will tell them what our New Pay Scale should be, so it sounds like on top of everything, they’re looking to lower our pay this year.

[stpeterslaw]

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[athenacleaning]

Prop Trading 101: Essential Concepts and Techniques

Welcome to Prop Trading 101, your crash course into the exhilarating world of proprietary trading (prop trading). Whether you're a newcomer to the financial markets or a seasoned investor looking to expand your horizons, understanding the essential concepts and techniques of prop trading is essential for success. Join us as we delve into the fundamentals of prop trading and explore the key concepts and techniques that every aspiring prop trader should know.

What is Prop Trading? At its core, prop trading involves trading financial instruments, such as stocks, currencies, commodities, and derivatives, using a firm's own capital rather than client funds. Prop traders operate on behalf of the firm, aiming to generate profits by capitalizing on short-term market movements and inefficiencies.

Essential Concepts in Prop Trading

Market Liquidity Understanding market liquidity is crucial for prop traders. Liquidity refers to the ease with which an asset can be bought or sold without causing significant price movements. Prop traders often prefer trading in liquid markets, as they offer tighter spreads and lower transaction costs.

Volatility Volatility measures the degree of price fluctuations in the market. High volatility presents opportunities for prop traders to capitalize on short-term price movements, while low volatility may result in smaller trading opportunities. Effective risk management is essential when trading volatile markets.

Order Types Prop traders utilize various order types to execute trades efficiently. Common order types include market orders, limit orders, stop orders, and conditional orders. Understanding how each order type works and when to use them is essential for optimizing trade execution.

Leverage Leverage allows prop traders to control a larger position size with a relatively small amount of capital. While leverage can amplify profits, it also increases the potential for losses. Prop traders must use leverage judiciously and understand its implications on risk management.

Risk Management Effective risk management is paramount in prop trading. Prop traders employ various risk management techniques, such as position sizing, stop-loss orders, diversification, and hedging, to protect their capital and mitigate potential losses.

Techniques in Prop Trading

Technical Analysis Technical analysis involves analyzing past market data, such as price and volume, to forecast future price movements. Prop traders use technical indicators, chart patterns, and trend analysis to identify trading opportunities and make informed decisions.

Fundamental Analysis Fundamental analysis focuses on analyzing the underlying factors that influence the value of an asset, such as economic indicators, company earnings, and industry trends. Prop traders use fundamental analysis to assess the intrinsic value of assets and identify undervalued or overvalued opportunities.

Algorithmic Trading Algorithmic trading involves using computer algorithms to automate trade execution based on predefined criteria. Prop traders develop and deploy algorithms that execute trades swiftly and efficiently, allowing them to capitalize on fleeting market opportunities.

Options Trading Options trading provides prop traders with additional flexibility and leverage in the market. Prop traders use options strategies, such as straddles, spreads, and strangles, to profit from price movements, volatility changes, and time decay.

Conclusion Prop trading offers a dynamic and exciting opportunity for traders to leverage their skills and expertise to generate profits using proprietary capital. By mastering the essential concepts and techniques outlined in Prop Trading 101, aspiring prop traders can lay the foundation for a successful career in this competitive field. So, whether you're a beginner or an experienced trader, embrace the fundamentals of prop trading and embark on your journey with confidence.

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Mock Tests and Practice Papers: Regular mock tests and practice papers simulate the actual exam environment, helping you to build confidence and improve time management skills. Detailed feedback and performance analysis are provided to identify and address areas of improvement.

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Choosing the Best Judiciary Coaching Institute in Saket, Delhi When embarking on the journey towards a successful career in the judiciary, selecting the right coaching institute becomes pivotal. In Saket, Delhi, several institutes offer comprehensive preparation programs. Factors such as faculty expertise, success rate, and student reviews should guide your decision.

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Decoding the Drama: A Crash Course in American Politics

American politics: a whirlwind of debates, elections, and passionate arguments. It can feel complex and overwhelming, but fret not, because this crash course will equip you with the basics!

The Two Titans: Buckle up, because the US political landscape is dominated by two major parties: the Democrats and the Republicans. Think of them as different teams, each with their own set of beliefs on issues like healthcare, taxes, and the environment.

Beyond the Binary: While the two main parties grab most of the headlines, remember there are other parties in the mix, like the Libertarians and the Greens, offering alternative perspectives.

The Power Players:  Let's talk about the folks who call the shots. The federal government has three main branches:

Legislative: Makes the laws (think Congress with the Senate and House of Representatives).

Executive: Enforces the laws (that's the President and their cabinet).

Judicial: Interprets the laws (the Supreme Court is the big kahuna here).

Stay Informed, Stay Engaged:  American politics is ever-evolving, so staying informed is key. Read reliable news sources, engage in respectful discussions, and maybe even attend a local political event. Remember, your voice matters!

This is just a taste of the American political landscape. With a little curiosity and exploration, you can become more informed and engaged in this ever-fascinating arena. So, dive in, ask questions, and don't be afraid to make your voice heard!

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Do I Need A Foreclosure Attorney Or Not?

Residential Property Foreclosure

Regardless of the reason a homeowner slides into foreclosure, the lender is taking the property in a process that can leave the homeowner unrepresented by an attorney without leverage. Foreclosure can take place non-judicially without the courts or judicially using the courts. Whether it’s non-judicial or judicial, if you’re under foreclosure, you might require the services of a lawyer, depending on your particular circumstance.

Consulting an Attorney

It’s always wise to seek legal advice if your lender is foreclosing your property, even if you’re not contesting the foreclosure. Consulting with an attorney about your foreclosure will give you valuable insight into it and any potential post-foreclosure debt issues. However, speaking to an attorney and getting general legal advice about your foreclosure isn’t the same as actively engaging one to deal with it. Generally, your need for an attorney to deal with a foreclosure comes down to deciding if you’re going to contest it.

Types of Foreclosure

The type of foreclosure you’re experiencing along with any decision to contest it usually determines your need for a lawyer. In states such as Utah, the majority of foreclosures are carried out non-judicially and don’t even involve the courts. If you want to fight your non-judicial foreclosure, you’ll first need to file a lawsuit just to bring it into a court having jurisdiction. A skilled attorney can also definitely help in contesting or even just delaying your judicial foreclosure.

Pro Se Representation

If you’ve decided to fight your foreclosure, you are of course, free to represent yourself in court. Going to court without the aid of an attorney is common in the American legal system and is known as “pro se” representation. Many homeowners contesting their foreclosures have represented themselves pro se, especially when they’re financially strapped. If you don’t have significant time or energy to devote to fighting your foreclosure, though, it’s usually best to retain an attorney.

Delaying a Foreclosure

An entire industry specializing in helping homeowners delay their foreclosures, sometimes for years, has sprung up since the 2007 housing market crash. Most foreclosure delay services use some form of attorney or legal aid to help clients delay their foreclosures.

Foreclosure and Bankruptcy

You may not need an attorney to deal with your foreclosure if you’re filing for Chapter 7 liquidation bankruptcy. For one, the automatic stay issued when you file for Chapter 7 or Chapter 13 reorganization bankruptcy temporarily delays foreclosure. Typically, foreclosure is delayed by one to two months during a bankruptcy unless the court lifts the stay. Also, if you’re using an attorney to file for bankruptcy, you can obtain any needed foreclosure advice from that attorney.

Statutory Redemption Mean

Statutory redemption is a law that permits the original owner of a foreclosed property to regain ownership of that property after it has been foreclosed upon. Such laws provide homeowners an opportunity to redeem their property if they are able to pay the amount that the property was sold for at the foreclosure sale and can do so before the time limit expires (usually up to one year). However, statutory redemption laws are only recognized in a handful of states. The majority of states usually follow the equitable right to redemption guidelines, which allows it before the foreclosure sale occurs. Thus, both the original owner of a foreclosed property as well as a prospective buyer should review these laws before moving forward with any legal processes and may also want to retain legal counsel to ensure that they understand the consequences. Foreclosed properties are typically sold “as is.” This means that a buyer of a foreclosed property will typically have little to no legal means of recourse if they discover that the property will need more work than they originally imagined. In which case, it is not entirely necessary for a buyer to obtain a lawyer before purchasing a foreclosed property. However, if the purchase occurred during the pre-foreclosure stage and the seller made material misrepresentations about the property, then there is a possibility that the buyer will have a chance to recover any losses they might have suffered due to the seller’s misrepresentations. For instance, if the seller did not have a right to sell the property and engaged in serious efforts to prevent the buyer from discovering that fact. Thus, if you should find yourself in such a situation, then it may be in your best interest to consider hiring a local foreclosure lawyer for further assistance. In such a scenario, an experienced foreclosure lawyer will be able to help you build a case against the seller as well as inform you of the types of remedies you may be able to recover.

When You Should Hire a Foreclosure Attorney

Below are some situations where you should consider hiring, or at least consulting with, an attorney.

You Have a Defense and Want to Keep Your Home

If you think you have a defense to the foreclosure, and you want to keep your home, you’ll likely need a skilled attorney to help. Some defenses that probably require the aid of an attorney include the following: • The servicer didn’t follow proper foreclosure procedures. • The foreclosing party can’t prove it owns your loan (that it has “standing” to foreclose). • The servicer made a serious error with your account.

Each foreclosure defense is different, and every situation has complicated nuances that can ultimately make or break the case. And, you’ll have to raise your defense in court. You’ll need to file your own lawsuit if the foreclosure is non-judicial or respond to the foreclosure lawsuit in a judicial foreclosure. Either way, the process involves making a legal argument, filing documents with the court, following rules of evidence, and more.

A foreclosure lawyer can help you formulate your arguments, navigate the rules of the court, and submit the appropriate paperwork. It’s unlikely that a homeowner could mount a successful defense to foreclosure without an attorney.

You’re in the Military

Active military service members have special protections against foreclosure, as well as certain rights, under the Service members Civil Relief Act (SCRA). The SCRA is extensive and complex. If you’re a military service member, an attorney can inform you about all of your rights under the SCRA and help ensure that the servicer complies with this law.

The Servicer Is Dual Tracking

If you’ve applied for loss mitigation and the servicer is dual tracking (foreclosing while an application for a foreclosure alternative is pending), you’ll want to deal with this legal violation immediately before a sale happens. It’s very difficult to get your home back after a foreclosure. Having an attorney on your side gives you a better chance of getting results before a sale takes place. It’s a good idea to learn each step in the foreclosure process in your state. That way, you won’t be caught off guard at any point. If you’ve done your homework on the topic but still have questions, an attorney is an excellent resource.

While you can apply for a modification on your own, in some instances say you need help understanding your legal rights or the servicer violates the law; hiring an attorney just might make the difference between getting your mortgage modified and losing your home to foreclosure.

When You Probably Don’t Need to Hire a Foreclosure Lawyer

You probably don’t need to hire an attorney if your goal is simply to live in the property throughout the foreclosure process. You legally own your home up until the new owner who buys it at the foreclosure sale gets title to the property. You usually can remain in the home until this time. If your state’s laws provide a post-sale right of redemption, you might be able to stay in the property through the redemption period or until some other action, such as ratification of the sale, occurs.

You Want to Get Some Extra Time to Live in the Home

If your primary goal is to get a little more time to live in the home before the foreclosure is final, you can submit a loss mitigation application to the servicer. Federal law (and some state laws) prohibits dual tracking.

So, you can live in the home for a while longer while the servicer reviews your application. In most cases, you’ll also get some time to appeal the decision. You might even get a loan modification that makes your monthly payment more affordable or another alternative to foreclosure. But be aware that if the servicer already evaluated a loss mitigation application from you, you can’t submit another application just to stall the foreclosure. However, under federal law, if you’ve brought your loan current at any time since submitting a complete loss mitigation application, and the servicer reviewed that application, the servicer has to perform another review if you apply again. Most people don’t need a lawyer’s help in preparing a loss mitigation application. To get free assistance, contact a HUD-approved housing counselor. If you don’t have a valid defense to the foreclosure; say you stopped making your payments, have no intention of resuming them, and think the servicer has treated you fairly then there’s probably no reason to hire or consult with an attorney.

You Can’t Afford Your Home and You Don’t Want to Keep It

Likewise, if you can’t afford your house payments and don’t want to keep your home, it might be a waste of time, effort, and money to hire an attorney to fight or try to delay the foreclosure. Instead, you can put that money towards finding somewhere else to live.

If You Decide to Hire a Lawyer

If you decide to hire an attorney to represent you, it’s a good idea to speak to several different lawyers to get more than one perspective and learn about all available options. If you can’t afford to hire a lawyer to represent you throughout the entire process, consider scheduling a consultation with one to help you decide what to do, as well as to explain your legal rights and responsibilities. If you can’t afford even one consultation with an attorney, a legal aid office might be able to help you for free if you meet certain criteria.

Stages of Foreclosure

The exact foreclosure process is different in each state, but generally, you can expect it to look something like this: • Default and notice of default • Foreclosure filing and trial • Notice of sale and sale of property • Eviction

Default and Notice of Default

The first thing that happens in the foreclosure process is that you enter into default. “Default” essentially means you’re late on your mortgage payments; what most lenders refer to as being delinquent. The law dictates that a lender must reach out to a borrower once he or she is 36 days behind on mortgage payments. By 45 days, the lender must provide written notice of the default, including details about any loss mitigation or repayment options the borrower may be able to use. A borrower has to be at least 120 days behind on his or her mortgage for the lender to start the foreclosure process legally.

Foreclosure Filing and Trial

If you’re in a judicial foreclosure state, the next step is the foreclosure filing. The lender will file a foreclosure lawsuit against the borrower, also called a “complaint.” In some states, lenders need to prove that they offered the borrower loss-mitigation options before filing suit. The foreclosure suit will go before the court, and borrowers have a right to contest their foreclosure and raise their defenses. If the court rules in favor of the lender, the property can be scheduled for sale.

Notice of Foreclosure

In non-judicial foreclosure states, there is no trial. Lenders simply issue a “notice of intent to foreclose,” alerting the borrower that the foreclosure process has begun. They will also need to advertise the sale usually in a newspaper, for at least a few weeks before the scheduled sale date. The property’s actual selling is done via auction, and usually by the local sheriff’s department. In many cases, banks and lenders are forced to purchase the properties back due to a lack of buyer interest. These are then dubbed “bank-owned properties” or “real estate-owned properties” (REOs), and the lender then makes efforts to sell those directly to a buyer. Many banks and larger financial institutions list their REO properties somewhere on their website.

Eviction

Once a foreclosed property has been sold, the former homeowner must vacate the premises. If he or she doesn’t, the new buyer legally can have them evicted from the home. The exact process for getting someone evicted varies by state.

Parties Involved in a Home Loan

The key parties involved in most home loan transactions and foreclosures are: • The borrower: The borrower is the individual (the homeowner) who borrows money and pledges the home as security to the lender for the loan. The borrower is sometimes called the “mortgagor.” • The lender: The lender originates the loan. Sometimes the lender is called the “mortgagee.” • The investor: An investor buys loans from lenders. • The servicer: The servicer, which is the company you make your monthly payment to, handles the loan account. Often the servicer is a third party that manages the account on behalf of the lender or an investor for a fee. A servicer’s duties include collecting and processing loan payments, as well as initiating and monitoring a foreclosure when a borrower stops making payments.

Judicial Foreclosures Go Through Court

In a judicial foreclosure, an attorney files a lawsuit on behalf of the lender or investor in court to foreclose the home. You’ll receive a copy of the complaint, sometimes called a petition, which starts the foreclosure. You then get a certain number of days, like 30, to respond to the lawsuit. If you don’t file an answer in court (or if you file a response, but the court decides the foreclosure should go ahead), the court will grant a judgment of foreclosure in favor of the foreclosing party and set a sale date. The foreclosure sale is typically an auction where the public, as well as the foreclosing party, may bid on the property. The highest bidder becomes the new owner of the home.

Non-judicial Foreclosures Generally Don’t Involve Any Court Action

All states allow judicial foreclosures, but about half also permit non-judicial or “power of sale” foreclosures. In a non-judicial foreclosure, an attorney or trustee (again, on behalf of the lender or investor) completes certain out-of-court steps. Typically, a non-judicial foreclosure involves one or more of the following steps, depending on state law: • mailing the borrower a notice of default that tells how much time the borrower has to reinstate • recording the notice of default in the local land records office, and • mailing the borrower a notice of sale that states when the property will be sold. Like in a judicial foreclosure, the property is usually sold at a public auction. Depending on state laws, a borrower might get a combined notice of default and sale, just a notice of sale, or notice by publication in a newspaper and posting on the property or in a public place.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

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