Best Auto Loan Affiliate Program - Auto Finance Affiliate

READ THIS FIRST: Official Frequently Asked Questions and Answers - Important Up to Date Information You Need To Know about EIDL

\*LAST UPDATED 7/14**)

OFFICIAL FREQUENTLY ASKED QUESTIONS AND ANSWERS FOR EIDL


PURPOSE:
This post will be a master thread with everything we have collectively learned on EIDL about the loan and the application process. It will be updated on an ongoing basis and will always contain the most current information. Things change frequently at the SBA with policy and you should check back on this thread on a regular basis.
Please post any questions not covered and I will respond and add them here.

INDEX OF QUESTIONS:

  1. How do I get in touch with customer service phone support?
  2. What are my chances of being approved for this loan? Can I know in advance?
  3. I received a decline letter for “Business activity not eligible”. What can I do?
  4. How is the loan amount calculated? How can I request a specific amount?
  5. What is the maximum loan amount?
  6. When will I get my portal invite?
  7. I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
  8. I understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
  9. Does contacting my congressmen or senator actually work?
  10. I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
  11. I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
  12. Who are you, cue378? Can you help me?
  13. My loan as obligated or already funded, I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
  14. How do I show support for the volunteers and moderators for EIDL
  15. I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
  16. I was declined for "unsatisfactory credit". What are my options?
  17. What documents are required? Will a loan officer contact me?
  18. What is the status of the Advance/Grant program? Can I still get a grant?
  19. What are the eligible uses of EIDL funds?
  20. I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
  21. What is CAWEB and how can it help me track my loan disbursement and other status?
  22. I received my portal invite link, however when I go to create an account I just get the message: "The user account has not been confirmed yet. Please confirm using the link in the e-mail". What can I do?



1. QUESTION: How do I get in touch with customer service phone support?
ANSWER: The highest level of official customer service is known as "tier 2" and can be reached by calling 1-800-659-2955 and asking for Tier 2. (NOTE: As of 5/29 the previous direct number is currently out of service) They are unfortunately, a very limited means of support. They are able to check your application status and see the current "stage" and leave notes in your file, but unable to directly make any changes or escalate anything in a meaningful way.
Most are very nice and well meaning people but are usually poorly informed and often provided contradictory information between calls. The important thing to understand is that notes left by T2 do not actually notify a loan officer or anyone, they are simply waiting to be read if someone happens to open your file and takes the time to review the case notes. So if a T2 says they requested a change do not assume it was or will be made.


2. QUESTION: What are my chances of being approved for this loan? Can I know in advance?
ANSWER: The loan is relatively easy to get approval for by loan standards. The exact underwriting criteria the SBA is using was leaked by some helpful people (hat tip to u/Sbaleaky) and thus you can have a good understanding what your chances are.
Underwriters look for the following:
-Minimum Credit Score of 570. They will pull from experian. Close to Vantage 3 model found on nav DOT com or TransUnion numbers on credit karma. They do NOT use FICO. Credit score is largest factor for approval for this loan and no exceptions are made for under 570.
-If economic injury was sustained based on formula described in QUESTION 4. If this is a negative number you will be auto declined. (SEE QUESTION 5) The SBA does not consider potential revenue lost or general expenses in the loan amount.
-Tax liens or tax issues are NOT a disqualifying factor or taken into consideration for COVID19 disaster.
-Business start date must be prior to 1/31/20
-open bankruptcies = Declined. Closed OK.
-Arrest for felony < 5 years = Declined
-Arrest for misdemeanor < 5 years = Declined
-Sole proprietors with delinquent child support > 60 days = Declined
-Any business principals with 50% or more ownership with delinquent child support > 60 days = Declined
-Your business must pass verification in some way that it is a valid operation. If they can find it on google it will suffice. Otherwise you may have to provide documents to prove it's a legit business.
-Your business type must not be on the list for ineligible business activity. See list on FAQ.
-All owners on application must be either US citizens or Permanent Residents. E-2 Investor visa is NOT eligible and any attempts to appeal or add a co-borrower who is a citizen or LPR will be unsuccessful. Corporations, Partnerships, and Limited Liability Entities (LLE): Alien-owned corporations, partnerships, and LLEs properly registered and licensed in the state where the disaster occurred are eligible. If any member, partner, or shareholder, owning 20 percent or more of the applicant business is in the USA they must be a qualified alien. If the alien resides outside the USA an exception may be made.


3. QUESTION: I received a decline letter for “Business activity not eligible”. What can I do?
ANSWER: EIDL has a list of restricted business categories, if your type is NOT on this list and you still received this letter you may have been improperly classified.

The following applicants are not eligible for EIDL assistance.



4. QUESTION: How is the loan amount calculated? How can I request a specific amount?
ANSWER: There is no way to request a specific amount, the eligible amount is calculated automatically by formula based on your inputs. There are three known formulas:
  1. Standard Small Business: Revenue minus COGS divided by 2 minus advance, subject to maximum of 150K
  2. Not for Profit: 6 months operating expenses year prior to 1/31/20
  3. Business that collects rental property income, your offer is calculated by lost rents due to the disaster, not the standard formula. If your offer is lower than expected you may have been wrongly classified into this formula.
  4. Agricultural businesses: 6 months operating expenses year prior to 1/31/20
If the formula results in a negative number or less than your advance you will be declined for "ECONOMIC INJURY NOT SUSTAINED"

5. QUESTION: What is the maximum loan amount?
ANSWER: As of last update it is currently 150K cap. This will not change anytime soon and there will be no way to request more at present. The only way to avoid the cap is if your loan was already being obligated prior to the change by the SBA from 500K. If I hear anything new on this it will be updated here.

6. QUESTION: When will I get my portal invite?
ANSWER: Portal invites are a fully automated process and not strictly sequential but follow general group patterns. If you see someone that has a higher number than you get a portal invite it does NOT mean you were "passed over".

7. QUESTION: I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
ANSWER: This is when the actual loan process starts and underwriting begins. Your application will be assigned a loan officer for review using the criteria listed in question 2. The exact process is as follows (hat tip u/sbaleaky and u/LOL_Face_69) with the actual stages from start to finish. Keep in mind that once you accept in the portal a number of things are going on behind the scenes, which is why "processing" can take a great deal of time. Once you see a loan amount in your portal, this is NOT an approved offer. It is simply a potential amount you are eligible for based on the stated formula if you pass underwriting.

[The following takes place behind the scenes and will not reflect in your portal, but will still say "processing"]
Note: The exception to this process is that some applications which are considered easy (based on unknown factors) to approve are subject to full automation and may go straight to approval bypassing the above steps. This only happens in rare cases.
You may also see a status that says, "On-Hold" Amount $0: This status typically is when your loan was temporarily declined and is still in the reconsideration department pending possible reconsideration approval.


8. QUESTION: I now understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
ANSWER: The amount of time it is normal for your portal to say "processing" is highly variable as a hundred different factors are involved behind the scenes. As of 6/10 we are seeing extended delays in processing time and obligating stage specifically. The average we are seeing is around 14-16 days total in processing. If your application has been in underwriting for greater than 14 days it may merit investigate, but not necessarily indicate a problem with your chances of approval. Do NOT panic if it seems "stuck" with no communication from anyone. This is normal.


9. QUESTION: Does contacting my congressmen or senator actually work?
ANSWER: Yes, the SBA treats congressional inquiry very carefully and will flag and sometimes white glove your application. Often they will assign a special case worker during the process. The important thing is when your local congressional office reaches out they do NOT contact the local district SBA but this email: [[email protected]](mailto:[email protected]). This email is NOT for use by applicants but only official government purposes.


10. QUESTION: Help! I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
ANSWER: Yes, but two factors are important:
  1. You should NOT have already accepted an amount and submitted for processing in the portal. *If you already did see note below.
  2. You have documentation to backup the changes such as Federal Tax Returns 2018 or 2019 or P&L Statements. Tax returns are strongly preferred if available.
****The important thing here is DO NOT accept the offer in the portal if you need to revise your numbers.****
*IF YOU HAVE ALREADY ACCEPTED THE OFFER: Call tier 2 support as soon as you possibly can and ask them to make the following note in your file: Loan Officer, DO NOT approve this file without calling me, the applicant, because my (revenue or COGS) figures are wrong. I have supporting docs to make the changes. Please contact me ASAP.
If you meet the above two criteria contact me via email at [[email protected]](mailto:[email protected]) with your Reddit username in the subject and put COGS REVISION REQUESTED in the subject line. I will respond and give you private advice on the matter.


11. QUESTION: I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
Answer: Unfortunately tier 2 is currently giving absolutely terrible advice in this situation. They are telling people to accept the offer in the portal to speak with a loan officer to make the revision. The problem is that once you accept you set the process in motion and then it gets obligated by treasury it is impossible to adjust. The proper time is prior to accepting. Often times loan officers never are needed, never reach out or even read these notes. I see it every day and people are stuck its the "kiss of death" advice. If you already accepted you may have time but would need to work quickly from date of submit.
UPDATE: As of 6/15 there is now a way to fix this. See question 13.

12. QUESTION: Who are you, cue378? Can you help me?
ANSWER: I am a small business owner who is a full time volunteer offering to assist in the EIDL process. I have experience assisting hundreds of other business owners in applying for and getting approved. I am sharing the information, strategies, and general knowledge I have gained over the course of 2 months. I do not work at the SBA nor do I have any affiliation with the SBA.
Do to an extreme flood of requests for help, I may not be able to answer PM's or chat requests. I have setup an email you are welcome to contact me on, but due to the volume I may not be able to respond right away or at all. My email is [[email protected]](mailto:[email protected])
Some people have asked how they can support my efforts. While I do not ask for donations, our subreddit founder decided to setup a tip jar in case people want to show their support. To be clear I do not ask for donations for my help, but if you decide to spare anything I do appreciate it greatly. The tip jar can be found HERE.


13. QUESTION: My loan was obligated, already funded, or I already accepted the amount in the portal. I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
ANSWER: As of 6/12 loan modifications are now being allowed. You can contact [[email protected]](mailto:[email protected]) and request a "Loan Modification increase". It is a 3-4 week process that requires documentation. A second loan will be given for the difference from the first one. It will be processed as a 20xx series loan in the old system/portal. For more details email me. Note if you have not yet accepted the offer the normal process is much faster.


14. QUESTION: How do I show support for the volunteers and moderators for EIDL
ANSWER: For supporting Cue378, there is a tip jar listed above. If you wish to show support to our community moderators, a separate tip jar can be found HERE. Proceeds for this jar will be split between u/innocul8 and u/Scorpio14534. Donations in this jar do NOT go to Cue. Any amount is very appreciated. It takes a great deal of time and effort run the community and they are putting in a near full time effort.

15. QUESTION: I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
ANSWER: Follow these steps:
  1. Open the email to create your portal account. Right click on the green button that says, "create your account". Click "copy link address" or "copy hyperlink" depending on your browser.
  2. Use a VPN service, such as NordVPN or ProtonVPN (free), to connect to a VPN server in different state than yours, preferably on the opposite coast you are located.
  3. Open an incognito browser window, or private browser session if on firefox.
  4. Right click on the URL/web address field and paste the link you copied. Hit enter.
  5. You should then successfully be able to create a login, enter the portal, and accept your offer.
Alternately if you don't have a VPN or want to use one you can use a mobile phone to login incognito, with WiFi off on a cellular network, to create the account.

16. QUESTION: I was declined for "unsatisfactory credit". What are my options?
ANSWER: You have a few options.
  1. You can bring your vantage 3 score over 570 by paying down cards, when you are ready you can request the SBA re-pull your report and reactivate your account via [[email protected]](mailto:[email protected])
  2. You can request to add a co-borrower that has a higher score than 570 with no open bankruptcy and run their credit to reactivate your application.
You can expedite your request for a co-borrower by having this ready to go. You can also do this preemptively if you expect to be declined for credit. The co-borrower does NOT have to be involved with the business and can be anyone. The form is available here:
SBA Form 3501 - Adding Co-Borrower
Only fill out the following:
Line #14 - Add the co-borrowers information under owner #1
Line #15 - Answer question for co-borrower.
Line #16 - Answer question for co-borrower.
Sign page 10, co-borrower signs.
Ownership percentage can be 0% if co-borrower is not part of business.
Attach and send with your co-borrower request to [[email protected]](mailto:[email protected]) with your application number.
NOTE: If you have an urgent need to have your co-borrower request expedited, please email me at [[email protected]](mailto:[email protected]) with the subject line: "ADDING CO-BORROWER REQUESTED URGENT" I will respond within 24 hours.

17. QUESTION: What documents are required? Will a loan officer contact me?
ANSWER: In most cases no documentation is required and everything is self certified. In some cases a LO will need to contact you to clarify some things about your business or request specific documents. In most cases you will never be contacted by or communicate with a loan officer.


18. QUESTION: What is the status of the Advance/Grant program? Can I still get a grant?
ANSWER: As most of you already know, the EIDL Advance/Grant program has ended and the full 20 billion in funding for the advance has been exhausted. The option has been removed from new applications. Getting funding for the advance as a new applicant at this time will not be possible.
For older applications please see this post for more information:
https://www.reddit.com/EIDL/comments/hr3l41/eidl_news_714_update_regarding_the_current_status/

19. QUESTION: What are the eligible uses of EIDL funds?
ANSWER: These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. What are all the possible uses of the funds? The wording ‘obligations that are unable to be met due to lack of revenue’ seems to be a catch all, but how much so? The EIDL working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits or for expansion.

20. QUESTION: I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
ANSWER: This occurs when the numbers entered on your application for COGS are greater than your revenue. The SBA calculates economic injury based on the formula in question number 4. You can also be denied for this reason if the resulting number is less than your advance amount. Please note that the SBA is only taking into account revenue earned prior to the disaster date of 1/31/20 to calculate your economic injury. If your only revenue was earned after that date as a newer business you may not qualify.
If the numbers on your application were correct, you would not be eligible for an EIDL. If you made an error you can request an amendment and request reactivation of your application. I can assist with this process. You need at minimum Profit and Loss statements for the period 12 months prior to the disaster starting 1/31/20. Email me at [[email protected]](mailto:[email protected]) with the subject: COGS DENIAL REVERSAL REQUESTED. Include your Reddit username. I will respond with instructions on how to file this amendment.

21. QUESTION: What is CAWEB and how can it help me track my loan disbursement and other status?
ANSWER: You can use the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. It allows you to see disbursement status and other details related to your loan.
****Hat tip to u/tahoechick36 for this amazing write up*\*
Using the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding.
Visit caweb.sba.gov or click the link at the top of EIDL
Setting up an account:
You need a SBA Loan # to set up an account - for EIDL it appears on the first page of your documents, in the upper left hand area, and says "SBA Loan # XXXXXXXXXX.”
SBA loan #'s are 10 digits. Your Application # will NOT work for account set-up.
If you have a PPP Loan, you can use your SBA # for this loan to set up an account. Sometimes this # is easy to figure out, sometimes not. That has to do with an intermediary (like your bank) being involved, but if you can track down an actual SBA Loan #, you can go ahead and get registered without your EIDL loan number.
  1. On the home page click on "Not Enrolled?" in the top left. This takes you to a screen to enter info. You may come to hate this screen, this process is very finicky.
  2. Look at the rules for creating a User ID and Password by clicking on "Rules..." next to the fields.
  3. Write your exact ID & password down somewhere - if you ever get locked out and call the SBA for help, they are going to tell you that Borrowers are not supposed to be able to access CAFS CAWeb. Apparently we still can, so don't make this a big deal or maybe that will change!
  4. For user type - select "borrower" from the drop down menu.
  5. Fill in the highlighted fields with your info. Click on the "ZIP LOOKUP" button after you enter your zip code. This auto populates some other boxes, and registration won't work if you don't do this.
  6. For the country code in the phone number section enter "1" for the United States.
  7. Financial commitment ID is your Loan # - 10 digits.
  8. If you don't have a landline, it has been reported that just entering your mobile number in both fields works. You will have to select 3 of their security questions, enter the Captcha image info, then hit "submit" at the bottom.
If it didn't like the info you have entered, it will give you an error message for what part it didn't like, and you will have to try again, which requires re-entering quite a bit of the information. It's a pain.
But if it takes it, you're in! There may be a verification step now as well.
Finding your loan on CAWeb
  1. On the caweb homepage, login (if you aren't already), it will be personalized and show your name. You have to scroll down and check the "Agree to Terms" box when you are logging in.
  2. Click on "Borrower" in the top left, then click on "Borrower Search". This should take you to your "Loan List" showing the loan #, borrower name, loan type, amount, and loan status.
  3. PPP loans typically appear as "Active Un-Disbursed" - if your PPP is already funded don't worry about that. Your EIDL will show up as "Disbursed Current" if funds are on their way. It may say something else if you look immediately after you send back you Docs, but it should change pretty quickly. Logging out and back in again will sometimes refresh the status. Loan status will say "Active Un-Disbursed" until Treasury send the funds to your bank, then it changes to "Disbursed Current".


22. QUESTION: I received my portal invite link, however when I go to create an account I just get the message: "The user account has not been confirmed yet. Please confirm using the link in the e-mail". What can I do?
ANSWER: This is a known bug/error normally relating to either getting the invite ahead of schedule or other missing information in your file that would prevent the account creation from moving forward. Tier 2 cannot solve this and it need a special approach to resolve. Please email me with the subject line: "USER ACCOUNT HAS NOT BEEN CONFIRMED". Include your reddit username in the email somewhere. My address is [[email protected]](mailto:[email protected])



submitted by cue378 to EIDL [link] [comments]

Survey Results Are In!

Hello comrades! Thanks to everyone who filled out the survey.
I'll break down the survey below for those who want a transcription of it or for those who want a more organized presentation instead of the raw data. Here is a link to the survey results. For comparison, here is the previous survey. Please discuss your thoughts on the survey in the comments, and also continue the conversation started in the old thread about what you want to see for the sub’s future
We had 600 responses to the survey, which given the size of the subscriber base is a statistically significant amount that we can confidently extrapolate from.
Question 1: Age demographics
We are trending younger than the previous survey, with zoomers making a major jump in demographics at the expense of 26-30 and 31-40 year olds. The early 20s seemed to hold relatively consistent. I am unsure if this means the old people are leaving or if more young people are joining. 25% of us are under 17, 29% are 18-21, 21% are 21-25, 14% are 26-30, and the rest are older.
Question 2: Gender Identity
Overall, we are very much dominated by men at 79.5% of the sub. There has been a slight decrease in male identification in favour of women and non-binary. But this is definitely a weakness of the sub. We need to work on ways to be more inclusive of non cis-male voices.
Question 3: How non-white are we
The answer is very mayonnaise at 76% non-PoC. We had an almost 5% drop from a year ago which is great but I think we can do much better.
Question 4: LGBTQ+
This one is much better. We seem to have a strong representation from LGBTQ+ folks which is consistent from last year, and it is good to see the number be pushed up by around 4 points from 32% to 36%.
Question 5: How non-cis are we
Considering around 3% of the population is trans according to GLAAD, we seem to have decent representation on the subreddit at 7.7%.
Question 6: Where do we live
This question is worth looking at on the google form. They all are, but this one particularly so what with all the different possible answers. Suffice it to say, we are very much situated in the imperial core. This is somewhat problematic but to be expected given the overall reddit userbase. This is something that we should definitely try to combat. Since last year it seems the US portion has decreased by around 5 points to favor eastern europe, canada, and some growth outside the imperial core.
Top five regions:
  1. US (52%)
  2. Western Europe and British Isles (tie at 9.8%)
  3. Canada (5.2%)
  4. Northern Europe (3.2%)
Question 7: Living environment
Largely unchanged from last year, socialism is split roughly evenly between city living and suburbia, with a small but important section living in a rural area.
Question 8: English
75% of the sub considers English to be their primary language, which is a slight drop from last year.
The top non-english primary languages are as follows in descending order:
  1. German
  2. Spanish
  3. Swedish
  4. Dutch
  5. Portuguese
  6. Italian
  7. Polish
  8. Romanian
  9. Turkish
  10. Hindi
Question 9: Religion.
We are largely not a religious sub, and the demographics here have largely not changed in the last year.
Top religious beliefs (above 1%) are:
  1. Atheist/non-religious-72%
  2. Spiritual but not religious- 11%
  3. Roman Catholic- 4%
  4. Protestant- 4.2%
  5. Buddhist- 1.8%
  6. Sunni Muslim- 1.7%
  7. Folk/Pagan- 1.5%
  8. Jewish- 1.3%
Honorable mention to the 5 people who wrote in "Materialist" lol, I like you.
Question 10: How long have you been a socialist
We've shifted down to subscribers having less overall experience with socialism, losing from all categories above 3 years and gaining on all the lower choices. This could be from an influx of new people from the election, and hopefully it does not mean we are losing more experienced folks in large numbers. Half of the sub has been a socialist for either a year or 3-5 years, with relatively even responses for the options on either end of the spectrum
Question 11: Education
We seem to be an educated group. Almost 50% of the sub either has a college degree or is actively pursuing one, with 12% of us having gone to college without achieving a degree. 20% are currently in secondary education. 7% have or are chasing a graduate degree, and 6% had their education stop at secondary level.
Question 12: Employment
37% of us are students who are not employed, and 18% of us are students with a job. 25% of us have a full time job, while 7% have a part time job and 7% are unemployed. Smaller amounts are either self-employed or of a non-working population.
Question 13: Relationship to production
Thankfully, 85% of us are either working class or dependents of working class folks. 5% are petite-bourgiosie small business owners or self employed. 3% of us are (hopefully class betraying) capitalists.
Question 14: Living situation
Pretty even split between renting our living situation and living rent free with family/friends. Of the rest, 13% of us have alternate living arrangements such as home ownership or mortgages.
15 and 16: Living conditions
The majority of us are at comfortable or adequate arrangements (around 80%), pointing again to reddit's overall demographic. 20% of us would describe their situation as poor. 41% of us did not have difficulty in in our budgets.
Top things socialism had difficulty affording over the last few months in descending order:
  1. Medical bills
  2. Necessary repairs such as home and auto
  3. Rent/mortgage
  4. Student loans
  5. Transportation
  6. Tendency
Time for the fun stuff. Top labels people use to describe their politics (over 5%) of socialism are in descending order:
  1. Socialist
  2. Marxist
  3. Communist
  4. Democratic Socialist
  5. Libertarian Socialist
  6. Marxist Leninist
  7. Anarchist and/or Anarcho-Communist
  8. Anarcho-Syndicalist
  9. Unsure
  10. Marxist Feminist
  11. Social Democrat
  12. Trotskyist
  13. Market Socialism/Titoist
  14. Leftcom
  15. Marxism-Leninism-Maoist and Communalist (tied)
More people are identifying as a tendency from the last survey, which means more people are reading
Questoin 18: Who are we reading
There were a lot of answers to this one, so I will just list our top ten most widely read or read about comrades
  1. Karl Marx (duh)
  2. Lenin
  3. Freidrich Engels
  4. Malcolm X
  5. Che
  6. Rosa Luxemburg
  7. Fidel Castro
  8. Angela Davis
  9. Leon Trotsky
  10. Pyotr Kropotkin
Overall as a sub I think we definitely need to read more. Its great that we can recognize the big names on that top ten list, but the real proof of how widely read our sub base is is in the smaller names. There are a lot of people on there I hope to see increase next time!
Honorable mentions from the write in list that got more than 2-3 submissions include Richard Wolff, Victor Serge, Daniel DeLeon, Stirner, and Assata Shakur
19: Working with liberals
This question not worded very well or needs to be broken up into a few different questions, as working with liberals can take many forms and is something the next survey will take into consideration. Showing up to a protest organized by a liberal NGO is very different than actively campaigning for a Democrat or other capitalist party. This is a question that will definitely change next time.
Anyhow, a majority of the sub supports working with liberal capitalist organizations; 40% in a limited capacity and 18% are fully on board for it. A strong majority opposes this kind of involvement, 21% saying they are generally opposed to the idea and 14% taking a principled stance against such tactics.
20: Organization
28% of us are actively organized in some way, which is great! But those are rookie numbers, we gotta pump those up. 29% of us are searching for an org in some way, and 28% are not actively looking but plan on doing so sometime in the future. 12% of us have no intentions of organizing.
21: Unions
A disappointingly large 76% of the sub have never been unionized. Given that a quarter of the sub is under 17, that's partially excusable but the rest of us need to get on it!
13% of the sub actively belongs in a union, and 5% have been in one in the past. 8 of us are actively organizing one, good on you!
21: Types of organization
For those that are organized, the most popular methods of organizing on socialism appears to be:
  1. Mainstream labor union (45%)
  2. Big tent parties such as DSA (35%)
  3. Non-party organization (20%)
  4. Explicitly radical labor unions (15%)
  5. Tendency specific revolutionary party (14%)
  6. Internationally affiliated party (10%)
  7. Tenants union (4%)
  8. Problems organizing
By far the largest stumbling block appears to be lack of options in a given geographic area. There's only one way to fix that however, these things don't just spring up out of the ground fully formed!
After that follows more access to information, more free time, too many shitty socialists, too much time spent working, more money, organizations not open enough, and transportation difficulties
  1. Organizational satisfaction:
Overall people seem to run the full spectrum of satisfaction with their organizations. 45% of those organized are happy with what they got, and 55 either see much room for improvement or are not happy with the organizations.
  1. How should socialism be achieved:
Overall we tend to be more revolutionary. Only a quarter of the sub takes a reformist stance which is good. Almost half the sub is open to seizing power through elections if it is possible, same with those who think we should explicitly have a revolution. Doing so using general strikes seems to win support from everyone. Overall, this is an important question that the sub does seem a bit split on.
  1. The struggles of oppressed groups:
This one had great responses. An overwhelming majority (87%) chose the correct response that socialism must fight form all struggles. There were a few different takes on the **wrong** answers, 7% think these struggles should be ignored until after the revolution and 2% actively call these issues divisive. I will politely yet firmly ask both of the latter to leave, or even better get educated.
  1. Free speech:
I seriously need to consider editing or removing this question because I am not sure what it really achieves.
41% of the sub rejects the existence of bourgeois rights in the first place. 43% acknowledge that free speech is a right but does not trust a capitalist state to honestly enforce it. 18% take an absolutist stance on it, and 22% are happy with how speech is currently treated under capitalism.
  1. Immigration:
There is roughly 2/3 split on this, the majority calling for open borders and the minority calling for some sort of loose restrictions but still maintaining freedom of movement.
  1. Planned economies:
Overall, the sub is in favor of planned economies, and are split over the question of more decentralized production for luxury goods or local community needs. Only 8% of the sub is totally against planning. This is a moderate change from the last survey where just over half the sub was for total planning.
  1. The future:
Just under half (48%) of the sub is unsure if they will live to see socialism, and 36% of the sub think they will. This is almost exactly the same as last time.
  1. State of the subreddit:
Most users have a positive time here, with 43% giving us a 4/5. This has also not changed much since the last survey. Hooray!
  1. How often do you use the sub:
We see a full spectrum of use. Fairly evenly split between a once or twice a month, a few times a week, and almost every day.
  1. Sub activity
Only 7% of the sub posts, and 31% comments. Not much to say here other than much more people are commenting now than they were a year ago, which is good for how we are able to engage folks!
  1. No Mods No Masters
I have to say I am seriously dissapointed with the subreddit here. Us mods are more or less unelected self appointed regulators, and 2/3 of the subs of a *socialist* subreddit passed on the opportunity to tell us to take our authority and jump in a lake. For shame smh.
  1. Mod Approval:
There seems to be an overall mandate from the users that we are doing a good job at keeping this a healthy place for socialists to interact with each other. Under 5% think we are doing a poor job.
  1. Modding Liberals:
Largely the same story here, though there is a bit of a jump in dissaproval. Overall the majority of the sub is happy with our stance on liberal politics, and 10% think we are not modding liberals correctly.
  1. US Election and the subreddit:
Sub seems a bit split on this, but overall the mandate appears to be to remove liberal content, emphasize organizing over voting, while not being super aggressive with banning politically center folks. Just over a third (37%) think socdem content should not be removed, but frankly I do not see our policy on supporting capitalist party content changing anytime soon
  1. Reading group:
58% of the sub would be interesting in some form of organized reading circles. Look out for this in the future, we are unsure how this will manifest but something will be decided on. We will probably have a separate thread for organizing this in the future to choose what pieces we should do, but feel free to spitball in the comments for the *form* you would like to see this take.
Cheers,
Mods Team
submitted by comradeMaturin to socialism [link] [comments]

Censorship! 2 weeks of mod actions

As promised for a long time now, here's a breakdown mod actions in the past 2 weeks. I've previously done summaries for longer periods, but as it takes a few minutes to resolve each action, i limited the list to 1000 which corresponds to 2 weeks. The time period is roughly between the evenings of 28 April and 12 May.
I'm still busy with the details of the link and post removals. I've been working on this for 2 days now, so it'll take me until the weekend to get through them all. I haven't published the referenced addendum yet.

Bans

There were 8 permabans:
You are a bunch of stinking k####rs. It is going to be great to see all the k####rs die from Covid in the next few months. Viva Covid!!!
There were a few temporary bans. These are usually issued when users ignore multiple requests or warnings about our rules. These are issued in increments of days. It would be useful to issue one for an hour or two, rather than the minimum of 1 day.
Temp bans for abusive language:
Abusive language has been challenged before with accusations of it being anything from "not a school playground" to "1984-era doublethink". It's not acceptable to insult a stranger you're having a conversation with in public, then it's not acceptable to do so here.
Temp bans for misleading content:
And other miscellaneous reasons:
For anyone thinking that we ban whomever our ANC masters tell us to....tell them that I haven't received my kickbacks yet.

Unbans

Beyond the temporary bans coming to an end, there was one permanent ban that was removed, and that was for justluckyme2 who was incorrectly given a permaban, but a temp ban was intended. That was quickly corrected.

Mark submission as spam

This is an action that we use to help train the spam filters. Sometimes we remove spam posts when we should be marking them as spam - which removes the submission as well.
These are sometimes accompanied with bans. We love hearing about everyone's businesses or side hustles, as long as they don't violate reddit's TOS. If you want to but are unsure, send us a modmail. We'll typically direct you to https://www.redditinc.com/advertising

Mark comment as spam

A similar reason, but applies to comments
You might need to use a service like snew to view these.

Approve post

As a part of reddit and our own spam and abuse protection, posts are sometimes caught incorrectly. There are many reasons why a post is incorrectly removed. We aren't told the exact reason for these removals by reddit's spam filters and AutoModerator. While we have our own custom AutoModerator rules (That remove posts to known fake news sites, or flag comments that have some slurs), reddit has their own super-set of AutoMod rules we can't see.
If you can't see your post appearing when looking at the new queue in another browser, then send us a message. We often go through the mod queue which lists removed posts, but might not get to every one.
There were 91 posts approved by moderators. I'll list them in the addendum.

Approve comment

For a similar reason, comments are caught in a filter of sorts. We then approve the comment - if they were incorrectly caught - or confirm removal - if they were correctly caught.
There were 141 comments approved by moderators. I'll list them in the addendum.

Remove post

The very meaning of censorship! No-one likes their content being removed, but we remove posts that don't comply with the sub rules.
There were 346 posts in total removed. 196 of these were removed by AutoModerator for varying reasons. 91 were manually approved by us, a few were confirmed as being spam, but a lot were left as removed. Ideally we should have confirmed removal or approved each of them. Sorry if yours slipped through the cracks. That leaves 150 posts that were removed by moderators.
I'm doing a detailed report on these, so check back later.

Remove comment

You're censoring my views! Comments are generally moderated less than submissions. A post about a vacation in Thailand - for example - might not be relevant, but having a discussion about your Thai vacation in comments is just fine.
There were 302 comments removed. 188 were removed by AutoMod, leaving 113 comments being removed by mods.
I'm doing a detailed report on these, so check back later.

Edit flair

Occasionally someone selects the wrong flair for their post and moderators correct it. There were a few posts whose flair was changed by us:

Distinguish comment or Sticky comment

A moderator can distinguish their comment to appear different to other comments. We normally use them when acting in capacity as a mod, rather than in our own personal capacities (yes, it's possible for these to be distinct). Public removal reasons are distinguished, stickied comments. See addendum for the full list.
There are two ways to provide feedback to why a comment or post was removed. Via a comment, or via modmail. Myself and lengau often do public comments, while other mods send messages. You'll see that some are removed or deleted, because the request (translation, source, etc) was fulfilled.

Lock post or comment

This allows moderators to prevent comments being added to a post or replies made to a comment.
There were no locked posts and a few locked comments. All locked comments were some of the distinguished comments listed in the previous section.

Mute user

This is a feature in modmail - a common messaging system viewable by all mods - that allows communication from a user to be blocked for two days. If we ban a user, there's nothing stopping them from sending us love letters, like the one listed previously. They are often done to stop abusive message being thrown our way for a few days. There were 6 mutes. 3 resulting from permabans, 2 from temporary bans and 1 from a post removal.
Honestly, if we make a mistake with a ban or a removal, don't attack us. Chat with us.

Admin actions

We can see when reddit's admins do moderator actions in our sub. There have been no admin actions in this time period.
In case you're interested, the only action recently listed was performed a month ago, and was the removal of one comment: https://reddit.com/southafrica/comments/fkmczc/walied_josephs_was_in_picknpay_early_this_morning/fktjvcj/

But how can I trust that the data is correct? lovethebacon is clearly a paid ANC agent.

The other mods can verify this information. Use services like snew or removeddit to view removals. And can someone please tell Paul Mashatile that I haven't received my paycheck....ever.
It's worth nothing that different mods have different moderation styles. We don't have a fixed set of guidelines on what should be done in what circumstances, but it's up to each mod to do what they think is best for the sub. If any decision made by the mods should be reversed, let us know, here or in modmail.
submitted by lovethebacon to southafrica [link] [comments]

6 Ways Your Employer Can Contribute to Your Financial Wellness - SoFi Blog

Latest from the SoFi Blog
by SoFi
July 17, 2020 at 12:36PM
To help employees gain better control over their finances, more and more employers are offering financial wellness benefits as part of their compensation packages. The number of employers that offer financial wellness programs through the workplace is expected to nearly double within the next few years, according to research from Massachusetts Mutual Life Insurance Company .
So, while employers continue to implement financial wellness programs, what does this mean for you? In this post, we’ll define financial wellness and the important role it plays in the workplace as well as breakdown some of the benefits you can expect to see from employers and how to use them to your advantage.
We’ve also added some suggestions submitted by our Twitter followers participating in SoFi’s #MoneyMonday sweepstakes prompt “What additional benefit would you like your employer to offer?”

What is Financial Wellness?

Financial wellness is balancing your current financial well-being and tackling daily tasks while preparing for a secure financial future. This includes addressing behaviors that promote positive financial decision-making as well as identifying those that might negatively impact an employee’s financial situation.
Since financial goals and priorities will change throughout an employee’s life, it’s important to grasp the concept of money management and to adapt when goals and objectives change.

Employers Have a Big Impact on Financial Wellness

Finances touch every aspect of employees’ financial lives. Employees who are more in control of their finances may be more productive and focused in the workplace.
Employers who understand the importance of financial wellness can provide personal workplace benefits, tips for improving your financial health, and offer access to guidance that will help improve employees’ financial lives at large.

Financial Wellness Benefits Offerings

Employers offer a variety of benefits that help employees’ financial lives in a myriad of ways. Here are some of the benefits offerings you may encounter as part of a financial wellness program in the workplace.

A 401(k) Match

The most popular benefit our Twitter followers said they’d like to see offered by their employer was some sort of 401k benefit.
“DEFINITELY a 401k match program !!!” – Cliff P.
“I would love employer matches on 401K contributions!” – Carey C.
According to the IRS , “A 401k is a feature of a qualified defined contribution plan that allows employees to contribute a portion of their wages to individual accounts.”
Essentially, employees and employers can contribute to a retirement savings account sponsored by the employer.
Although 401(k) plans make it simple for employees to start saving for retirement, some companies will match contributions up to a certain amount to give employees an extra retirement-savings boost.
A 401(k) or similar employer-sponsored retirement plan can be a powerful resource for building a secure retirement—and an employer match can add a substantial amount to an employee’s nest egg.”
For example, if your employer matches your contributions dollar-for-dollar up to three percent of your salary, your savings may double if you take full advantage. Assuming the investment in the account doesn’t increase, if you set aside $42,000 by the time you retire, you will have set aside $84,000. The extra $42,000 is essentially free money.

Financial Planning Education

Financial planning education is one of the top financial well-being initiatives that many companies offer. From helping employees select the right investments for their 401(k)s to providing a platform to help employees manage their day-to-day expenses, companies may offer a wide range of tools, resources, and services to help employees manage their money.
While receiving a 401(k) match or additional financial support is great, it may not be as useful as gaining the knowledge of how to manage your money. Taking advantage of a financial planning education benefit may help you navigate your finances for years to come.
Here’s what some of our Twitter followers suggested they’d like to see added to their benefits package:
“Financial wellness classes for all employees.” – Patrice
“Seminars on retirement plans.” – Karen B.

Funds for Emergencies

For employees who need to pay for emergency expenses such as damages due to a car accident or home repair, employers may offer employee relief or compassion funds. Some employers are matching contributions to an employee’s personal account, offering payroll advances, and short-term loans that can be repaid through payroll deduction.
Offering these programs may make it less likely for employees to tap into their retirement savings if they have cash reserves or assistance accessible. Therefore, employees can shift their focus to long-term savings and retirement planning.
Here’s one idea from a follower on Twitter:
“Right now a good benefit would be unemployment insurance through the workplace so we could fund our own emergencies…” – Billy

Healthcare Savings Accounts

Overall healthcare costs — including all private and public spending — are anticipated to rise by an average of 5.5 percent per year over the next decade — growing from $3.5 trillion in 2017 to $6 trillion by 2027 .
As healthcare costs continue to rise, many employees may feel the financial weight of affording medical expenses. While many employees may not consider healthcare a financial wellness benefit, employers who offer support can ease the financial burden of healthcare costs now and in the future.
Some employers offer a Health Savings Account (HSA) in conjunction with high-deductible health insurance plans. An HSA is a tax-advantaged account that helps employees prepare to pay for healthcare costs such as doctors’ visits or prescriptions. HSAs have several other benefits including:
• Pre-tax contributions, potential gains, and withdrawals can be used for qualified medical expenses and are exempt from taxation.
• The unused balance car carries over into the next year.
• Fund in HSA accounts can be invested which may provide long-term growth potential to afford future healthcare costs.
• The funds in the account never expire and will pass to a beneficiary upon the account holder’s passing.
While employers are not required to offer a high-deductible health insurance plan in conjunction with an HSA, many employers do offer this benefit. If your employer does, it’s wise to explore how an HSA may be beneficial to your financial wellness.

Caregiving Assistance

Nearly half of employees perform some type of caregiving activities.
That’s why Twitter follower Maddy claims she’d love to see a “daycare/preschool assistant” added to her employer’s benefit package.
Caregiving tasks such as taking someone to a medical appointment, buying groceries, preparing meals, or paying bills can take a financial toll on many employees. Caregiving can also impact productivity and workplace performance.
Therefore, employers who offer caregiving benefits may lessen the financial and time demands that caregiving requires. Some benefits may include:
• Sick days or paid leave to care for a loved one
• Flexible schedule to accommodate caregiving needs
• Work from home flexibility
So, whether you’re caring for a child or an aging parent, ask your employer about the benefits they offer to help with your caregiving needs.

Student Loan Repayment

The latest student loan debt statistics for 2020 show how serious the student loan debt crisis has become for borrowers across all demographics and age groups. There are 45 million borrowers who collectively owe nearly $1.6 trillion in student loan debt in the U.S. Student loan debt is now the second highest consumer debt category – behind only mortgage debt – and higher than both credit cards and auto loans.
With so many Americans paying off student debt, some employers are offering an employer student loan repayment program to help with repayment. From increasing compensation to account for current debt payments or matching payments up to a certain amount, employers are implementing strategies that are helping their employees eliminate their debt.
Here’s what one of our followers on Twitter had to say:
“One benefit my employer could offer is a percentage each month towards my student loans. Fingers crossed it happens in the near future!” – Betty
If you’re repaying your student loans and your employer offers a student loan repayment benefit, it can really help with the most burdensome student loan payments.

Other Offerings

If your company doesn’t offer some sort of financial wellness benefit, they may provide other incentives such as annual raise opportunities, referral bonuses, or professional development training.
If your options are limited, you may want to speak with your employer to determine if they are willing to offer any of these benefits to improve your financial well-being.

Taking Advantage of Financial Wellness Benefit at Work

Whether you’re looking for a new job or you have worked in your position for years, it’s important to understand all benefits an employer offers. Sometimes even if you have worked at an organization for years, you might not be aware of all of the financial wellness benefits available.
Taking full advantage of all benefits offered may help improve your financial well-being and future financial security.
But, keep in mind, your employer’s financial wellness benefits may not be the only solution available. In the instance your employer doesn’t offer help repaying your student loans, you may want to consider student loan refinancing as a way to deal with student loan debt.
Student loan refinancing is when you consolidate your student loans with a private lender and receive new rates and terms. While the exact process can vary by lender, the general idea is that a borrower consolidates their existing student loan debt with a new loan, and qualifying borrowers might be able to secure a lower interest rate. It is important to note that if you do choose to refinance your federal student loans, you forfeit your ability to qualify for federal benefits.
Borrowers interested in refinancing their student loans may want to consider SoFi. You can check your rates in just two minutes.
Learn More
SoFi Student Loan Refinance
IF YOU ARE LOOKING TO REFINANCE FEDERAL STUDENT LOANS PLEASE BE AWARE OF RECENT LEGISLATIVE CHANGES THAT HAVE SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS AND WAIVED INTEREST CHARGES ON FEDERALLY HELD LOANS UNTIL THE END OF SEPTEMBER DUE TO COVID-19. PLEASE CAREFULLY CONSIDER THESE CHANGES BEFORE REFINANCING FEDERALLY HELD LOANS WITH SOFI, SINCE IN DOING SO YOU WILL NO LONGER QUALIFY FOR THE FEDERAL LOAN PAYMENT SUSPENSION, INTEREST WAIVER, OR ANY OTHER CURRENT OR FUTURE BENEFITS APPLICABLE TO FEDERAL LOANS. CLICK HERE FOR MORE INFORMATION.Notice: SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income-Driven Repayment plans, including Income-Contingent Repayment or PAYE. SoFi always recommends that you consult a qualified financial advisor to discuss what is best for your unique situation.
SoFi Loan Products
SoFi loans are originated by SoFi Lending Corp (dba SoFi), a lender licensed by the Department of Business Oversight under the California Financing Law, license # 6054612; NMLS # 1121636. For additional product-specific legal and licensing information, see SoFi.com/legal.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Third Party Brand Mentions: No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third party trademarks referenced herein are property of their respective owners.
External Websites: The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
SOBD20005
The post 6 Ways Your Employer Can Contribute to Your Financial Wellness appeared first on SoFi.
This content was posted automatically. If there is a mistake, please message the moderators
submitted by ReadTheStatement to sofi [link] [comments]

USAA vs. Navy Federal -- Ultimate List

I've been a proud USAA member for 15 years. I used to brag about being a member, and I have all of my business with them (checking, loan, mortgage, cards, CDs, investments).
But, in recent years, USAA has lost its way. A friend recently suggested NFCU. I checked them out and have been pleasantly surprised. It makes me sad, but I am switching some of my banking over to NFCU for some things, and will consider further switching if my experience remains so pleasant. Below is my current, personal opinion based on my experience so far. I will update as I learn more. (Links with info are below table.) (Sorry, my comparison table doesn’t appear on the mobile Reddit app.)
USAA Navy Federal
Issues PPP Loans? (Paycheck Protection Program) No. Yes.
Business Banking Products None Full business banking features including business bank accounts, business credit cards, etc!
CDs Poor. Abysmally low rates. Bottom of the industry. Great! Insanely high rates!
Branches 4. None on the west coast 343 physical branches
Cash Deposit Options Few. Inadequate. For example, zero cash-deposit ATMs in WA, home to JBLM and Naval Base Kitsap, a couple of the biggest installations in the country. Tons. If you're not near one of their 343 branches, they have a robust network of affiliated ATMs where you can deposit cash!
Phone Customer Service Hours Poor. They don’t even post their hours but if I google "USAA cusomter service hours," their business page result is "8-5." Not very military-accommodating. SEE NOTE 1 24/7/365, as it should be for a military that is 24/7/365.
Messaging/ Secure Mail Options Sucks. USAA essentially did away with all Secure Messaging features in 2019, except for insurance and investing. It used to be great, with in depth answers to messages within 24 hours. But now, you have to call or chat IF you catch them during their tropical business hours (see above). I talked to the executive whatever team and they said they killed messaging in response to customers’ input. I call bullshit. Who wants LESS access to communicate with their bank? Chat is cool sometimes, but e-mail is still a thing, and shame on USAA for making it harder for military members and veterans to talk to their bank about issues. Great! Has Secure Messaging for sending questions and account issues, for ALL products. (Though their messaging UI is a bit antiquated.)
Website Experience Nice. USAA website looks and feels modern and fast, in most areas. Mediocre. NFCU web banking feels very old and clunky. The experience is unintuitive. Pretty slow. Many buttons and graphics are low resolution and blurry, like a 90s website. Annoying in many regards (for example, if logged in, you have to logOUT to view certain pages, like mortgages and other products.) And lots of ads (see below).
Marketing (= putting any shit on my webpage offering me shit I haven't asked for) Not bad. Some ads in web banking, not invasive, modest, non-distracting. Too many. Lots of ads in web banking. They’re invasive and annoying. They seem borderline predatory toward the young enlisted members of the bank. Rates for products at the bottom of every screen, invited to use bill pay under every account, ads for products in the margins. Plus the ads are low resolution like from 1990s AOL or something.
Overall cusomter Service Has gone way down. They used to receive awards and every time I called USAA I felt like I was talking to my dad or someone I trusted who knew everything about everything. More recently, I feel like I'm talking to a 20 year old in a call center who has to look things up, has only been there a couple months, etc. What a shame. USAA used to brag about their customer service. SEE NOTE 1 Beautiful. All of the things I used to experience with USAA, so far (see <---).
Insurance Products Yes, but rates have gone way up. I have auto, home, and personal property insurance with them for years. At the suggestion of an NFCU and USAA friend of mine, for the first time in over a decade I shopped for auto insurance quotes with Geico and the others. I was saddened. Most of the quotes were MUCH lower than what I pay at USAA for the same exact coverages, with my same exact driving profile. As a result, I will be obtaining quotes for ALL my products and if there is savings, I will leave USAA. None. (but Geico might provide a discount as an NFCU member)
Investment Products Sort of. USAA appears to be bailing from investments. They're divesting all their IRA and retirement stuff this month, and they farmed out their mutual funds to Victory and IRA accounts to Schwab. Kind of annoying as I just transferred one of my long term investments over to them a couple years ago. None. (some planning tools, but no actual products of its own)
Special Military Protection During the 2019 government shutdown, USAA departed from its tradition of offering no interest loans to members that weren't paid on time. When they did finally offer loans, they charged INTEREST and completely left out the Coast Guard. NFCU promptly offered extensive NO INTEREST loans to members of all branches of the Armed Forces.
Free Checks Yes. Piece of cake. Allows name and address and multiple fields on free checks. Yes. But, ordering is unnecessarily complicated. On the check ordering screen, you have to bypass the "quick order" and click on "full catalog" to get to the "free checks" option. This is misleading. The free checks option should be obvious as soon as you click "order checks," at least with an info box telling you where to find the free checks option. ALSO- checks only allow name. No address, no extra fields, just your name. Seems stingy.
Note 1: The other night, I was looking for something on USAA, and the stupid automated IM messenger thing told me to message cusomter service. It was midnight. I was surprised that someone answered my chat, and further surprised that TIER-II was available when my issue required a higher level. They fixed my problem on the spot. HOWEVER, because USAA choose not to list their hours like a good bank should, I am not editing my review. I also don't know if this is phones or just chat; nor whether this is just for the virus. BOTTOM LINE: their hours for phones and chat should CLEARLY be on the CONTACT US page.
Note 2: Here's what my NFCU "My Accounts" main page looks like. First of all, the rates at the bottom are ALL teaser rates that most E-3s probably won't even qualify for. Specifically, I'm a little grossed out that they would tease the ARM (adjustable rate) mortgages at the bottom. ARMs are potentially dangerous financial products (see 2008 housing crisis). Second, the ADs are just very unclassy and tacky. Stock, laughable images from the 90s. I'd prefer NO ADS, or at least helpful, tasteful ads like on USAA.
https://preview.redd.it/rfkadcy092x41.png?width=1936&format=png&auto=webp&s=6bdfe693996b8300e47af92f659896323826f689
Links
Business Banking
https://www.navyfederal.org/services/business/
CDs
https://www.usaa.com/inet/wc/bank-cds?amp;wa_ref=pub_global_products_bank_cd
https://www.navyfederal.org/products-services/checking-savings/certificates-rates.php
Locations/ Cash Deposit ATMs
https://www.usaa.com/inet/ent_locationServices/UsaaLocato?0
https://www.navyfederal.org/branches-atms/index.php
Phone Hours
https://www.usaa.com/help/contact
https://www.navyfederal.org/contact-us/
Investments
https://www.navyfederal.org/financial-group/
https://www.usaa.com/inet/wc/investments-update
Special Military Protection
https://www.expressnews.com/business/local/article/USAA-sparks-customers-ire-during-government-13521861.php
submitted by BrazoZulu to USAA [link] [comments]

Short DB for Only $6 from r/wallstreetbets at Thu Jul 9 23:56:21 2020

Bears are not extinct. There are selective targets out there - look no further than perennial put prize holder DB. They report at the end of the month but will probably see some flow through action next week on US financials.
DB reports on 7/29.
Where do I even begin with DB's bear case? Basically it is all about the horrible decisions their risk management team has led them to. See the following:
https://dealbreaker.com/2020/06/deutsche-declares-neiman-default bagholder on $760 million loan to a bankrupt US retailer
https://dealbreaker.com/2020/07/deutsche-bank-wirecard $2 billion missing from imaginary accounts and money laundering from Wirecard.
These are just 2 of the most recent egregious instances.
In no particular order DB has been found guilty of rate rigging, fraudulent dark pool practices, money laundering for Russian mafias, money laundering for pedophile rings led by Jeffrey Epstein, potential tax fraud associated with President Trump*, Volcker rule violations, fictitious mbs markups, and of course a suspicious lack of suspicious activity reports (SARs) being filed by their compliance department.
*The US Supreme Court just paved the way for the NY AG to investigate Trump's finances. Deutsche Bank since 1998 has led or participated in loans of at least $2.5 billion to companies affiliated with Mr. Trump.
MACD and CMF are negative
So what you say? DB is in a channel and thetagang will eat away my premiums.
But wait what if i told you there is a way to short DB ultra cheap? Introducing the Calendar put spread. Let theta work in your favor.

As of this writing you can buy a debit Calendar put spread on DB for the low price of .06! Your profit potential is the area in between the 2 fixed points above. The purple line is the current value of the spread. As it gets closer to expiration it will eventually converge on the blue triangle on top.
You can choose to either close the spread at a profit or wait for the week of 7/31 for earnings.
I've given a way here for the smallest accounts to trade off DB. Wait you can't afford $60 to bet on options? Ok - well then you can just buy 1 contract for the price of $6 (before commissions).
Ok I cannot guarantee you will get $6 fill on DB tomorrow - the prices always change. But DB has been pretty flat so far so let theta work for you instead of against you.
If anything maybe some of you retards will learn about how spreads work instead of blindly buying options at the ask and selling at the bid.
TLDR: LONG Calendar Put spread on DB - Buy the 7/31 9p and Sell the 7/24 9p.
submitted by Awareness-Infinite to College_Prestige [link] [comments]

Survey

Hello comrades! Thanks to everyone who filled out the survey.

Here is [link to the survey results]^(https://docs.google.com/forms/d/e/1FAIpQLScLwVbociyN0CApFc_4bwuZevlM0jwp2_myyaBUUgcZOuYlNw/viewform?usp=sf_link). For comparison, [here is the previous survey]^(https://docs.google.com/forms/d/18b5eny4JDugaZGUneEGi2HguwDr3FmgFj4vs8kPkpXU/viewanalytics).
We had 600 responses to the survey, which given the size of the subscriber base is a statistically significant amount that we can confidently extrapolate from. I'll be breaking down each question.

Question 1: Age demographics
We are trending younger than the previous survey, with zoomers making a major jump in demographics at the expense of 26-30 and 31-40 year olds. The early 20s seemed to hold relatively consistent. I am unsure if this means the old people are leaving or if more young people are joining.

Question 2: [Gender Identity
Overall, we are very much dominated by men at 79.5% of the sub. There has been a slight decrease in male identification in favour of women and non-bindary. But this is definitely a weakness of the sub. We need to work on ways to be more inclusive of non cis-male voices.

Question 3: How non-white are we
The answer is very mayonnaise at 76% non-PoC. We had an almost 5% drop from a year ago which is great but I think we can do much better.

Question 4: LGBTQ+
This one is much better. We seem to have a strong representation from LGBTQ+ folks which is consistent from last year, and it is good to see the number be pushed up by around 4 points from 32% to 36%.

Question 5: How non-cis are we
Considering around 3% of the population is trans according to GLAAD, we seem to have decent representation on the subreddit at 7.7%.

Question 6: Where do we live
This question is worth looking at on the google form. They all are, but this one particularly so what with all the different possible answers. Suffice it to say, we are very much situated in the imperial core. This is somewhat problematic but to be expected given the overall reddit userbase. This is something that we should definitely try to combat. Since last year it seems the US portion has decreased by around 5 points to favor eastern europe, canada, and some growth outside the imperial core.
Top five regions:
  1. US (52%)
  2. Western Europe and British Isles (tie at 9.8%)
  3. Canada (5.2%)
  4. Northern Europe (3.2%)

Question 7: Living environment
Largely unchanged from last year, socialism is split roughly evenly between city living and suburbia, with a small but important section living in a rural area.

Question 8: English
75% of the sub considers English to be their primary language, which is a slight drop from last year.
The top non-english primary languages are as follows in descending order:
  1. German
  2. Spanish
  3. Swedish
  4. Dutch
  5. Portuguese
  6. Italian
  7. Polish
  8. Romanian
  9. Turkish
  10. Hindi

Question 9: Religion.
We are largely not a religious sub, and the demographics here have largely not changed in the last year.
Top religious beliefs (above 1%) are:
  1. Atheist/non-religious-72%
  2. Spiritual but not religious- 11%
  3. Roman Catholic- 4%
  4. Protestant- 4.2%
  5. Buddhist- 1.8%
  6. Sunni Muslim- 1.7%
  7. Folk/Pagan- 1.5%
  8. Jewish- 1.3%
Honorable mention to the 5 people who wrote in "Materialist" lol, I like you.

Question 10: How long have you been a socialist
We've shifted down to subscribers having less overall experience with socialism, losing from all categories above 3 years and gaining on all the lower choices. This could be from an influx of new people from the election, and hopefully it does not mean we are losing more experienced folks in large numbers.

Question 11: Education
We seem to be an educated group. Almost 50% of the sub either has a college degree or is actively pursuing one, with 12% of us having gone to college without achieving a degree. 20% are currently in secondary education. 7% have or are chasing a graduate degree, and 6% had their education stop at secondary level.

Question 12: Employment
37% of us are students who are not employed, and 18% of us are students with a job. 25% of us have a full time job, while 7% have a part time job and 7% are unemployed. Smaller amounts are either self-employed or of a non-working population.

Question 13: Relationship to production
Thankfully, 85% of us are either working class or dependents of working class folks. 5% are petite-bourgiosie small business owners or self employed. 3% of us are (hopefully class betraying) capitalists.

Question 14: Living situation
Pretty even split between renting our living situation and living rent free with family/friends. Of the rest, 13% of us have alternate living arrangements such as home ownership or mortgages.

15 and 16: Living conditions
The majority of us are at comfortable or adequate arrangements, pointing again to reddit's overall demographic. 20% of us would describe their situation as poor. 41% of us did not have difficulty in in our budgets.
Top things socialism had difficulty affording over the last few months in descending order:
  1. Medical bills
  2. Necessary repairs such as home and auto
  3. Rent/mortgage
  4. Student loans
  5. Transportation
  6. Tendency
Time for the fun stuff. Top tendencies (over 5%) of socialism are:
  1. Socialist
  2. Marxist
  3. Communist
  4. Democratic Socialist
  5. Libertarian Socialist
  6. Marxist Leninist
  7. Anarchist and Anarcho-Communist
  8. Anarcho-Syndicalist
  9. Unsure
  10. Marxist Feminist
  11. Social Democrat
  12. Trotskyist
  13. Market Socialism/Titoist
  14. Leftcom
  15. Marxism-Leninism-Maoist and Communalist (tied)
More people are identifying as a tendency from the last survey, which means more people are reading

Questoin 18: Who are we reading
There were a lot of answers to this one, so I will just list our top ten most widely read or read about comrades
  1. Karl Marx (duh)
  2. Lenin
  3. Freidrich Engels
  4. Malcolm X
  5. Che
  6. Rosa Luxemburg
  7. Fidel Castro
  8. Angela Davis
  9. Leon Trotsky
  10. Pyotr Kropotkin
Overall as a sub I think we definitely need to read more. Its great that we can recognize the big names on that top ten list, but the real proof of how widely read our sub base is is in the smaller names. There are a lot of people on there I hope to see increase next time!
Honorable mentions from the write in list that got more than 2-3 submissions include Richard Wolff, Victor Serge, Daniel DeLeon, Stirner, and Assata Shakur

19: Working with liberals
This question not worded very well or needs to be broken up into a few different questions, as working with liberals can take many forms and is something the next survey will take into consideration. Showing up to a protest organized by a liberal NGO is very different than actively campaigning for a Democrat or other capitalist party. This is a question that will definitely change next time.
Anyhow, a majority of the sub supports working with liberal capitalist organizations; 40% in a limited capacity and 18% are fully on board for it. A strong majority opposes this kind of involvement, 21% saying they are generally opposed to the idea and 14% taking a principled stance against such tactics.

20: Organization
28% of us are actively organized in some way, which is great! But those are rookie numbers, we gotta pump those up. 29% of us are searching for an org in some way, and 28% are not actively looking but plan on doing so sometime in the future.12% of us have no intentions of organizing.

21: Unions
A disappointingly large 76% of the sub have never been unionized. Given that a quarter of the sub is under 17, that's partially excusable but the rest of us need to get on it!
13% of the sub actively belongs in a union, and 5% have been in one in the past. 8 of us are actively organizing one, good on you!

21: Types of organization
Most popular methods of organizing on socialism appears to be:
  1. Mainstream labor union (45%)
  2. Big tent parties such as DSA (35%)
  3. Non-party organization (20%)
  4. Explicitly radical labor unions (15%)
  5. Tendency specific revolutionary party (14%)
  6. Internationally affiliated party (10%)
  7. Tenants union (4%)

  1. Problems organizing
By far the largest stumbling block appears to be lack of options in a given geographic area. There's only one way to fix that however, these things don't just spring up out of the ground fully formed!
After that follows more access to information, more free time, too many shitty socialists, too much time spent working, more money, organizations not open enough, and transportation difficulties

  1. Organizational satisfaction:
Overall people seem to run the full spectrum of satisfaction with their organizations. 45% of those organized are happy with what they got, and 55 either see much room for improvement or are not happy with the organizations.

  1. How should socialism be achieved:
Overall we tend to be more revolutionary. Only a quarter of the sub takes a reformist stance which is good. Almost half the sub is open to seizing power through elections if it is possible, same with those who think we should explicitly have a revolution. Doing so using general strikes seems to win support from everyone. However, this is an important question that the sub does seem a bit split on.

  1. The struggles of oppressed groups:
This one had great responses. An overwhelming majority chose the correct response that socialism must fight form all struggles. There were a few different takes on the **wrong** answers, 7% think these struggles should be ignored until after the revolution and 2% actively call these issues divisive. I will politely yet firmly ask both of the latter to leave, or alternatively get educated.

  1. Free speech:
I seriously need to consider editing or removing this question because I am not sure what it really achieves.
41% of the sub rejects the existence of bourgeois rights in the first place. 43% acknowledge that free speech is a right but does not trust a capitalist state to honestly enforce it. 18% take an absolutist stance on it, and 22% are happy with how speech is currently treated under capitalism.

  1. Immigration:
There is roughly 2/3 split on this, the majority calling for open borders and the minority calling for some sort of loose restrictions.
  1. Planned economies:
Overall, the sub is in favor of planned economies, and are split over the question of more decentralized production for luxury goods or local community needs. Only 8% of the sub is totally against planning. This is a moderate change from the last survey where just over half the sub was for total planning.

  1. The future:
Just under half (48%) of the sub is unsure if they will live to see socialism, and 36% of the sub think they will. This is almost exactly the same as last time.

  1. State of the subreddit:
Most users have a positive time here, with 43% giving us a 4/5. This has also not changed much since the last survey. Hooray!

  1. How often do you use the sub:
We see a full spectrum of use. Fairly evenly split between a once or twice a month, a few times a week, and almost every day.

  1. Sub activity
Only 7% of the sub posts, and 31% comments. Not much to say here other than much more people are commenting now than they were a year ago, which is good for how we are able to engage folks!

  1. Angst:

I have to say I am seriously dissapointed with the subreddit here. Us mods are more or less unelected self appointed regulators, and 2/3 of the subs of a *socialist* subreddit passed on the opportunity to tell us to take our authority and jump in a lake. For shame smh.

  1. Mod Approval:
There seems to be an overall mandate from the users that we are doing a good job at keeping this a healthy place for socialists to interact with each other. Under 5% think we are doing a poor job.

  1. Modding Liberals:
Largely the same story here, though there is a bit of a jump in dissaproval. Overall the majority of the sub is happy with our stance on liberal politics, and 10% think we are not modding liberals correctly.

  1. US Election and the subreddit:
Sub seems a bit split on this, but overall the mandate appears to be to remove liberal content, emphasize organizing over voting, and not be super aggressive with banning politically center folks. Just over a third (37%) think socdem content should not be removed, but frankly I do not see our policy on supporting capitalist party content changing anytime soon

  1. Reading group:
58% of the sub would be interesting in some form of organized reading circles. Look out for this in the future, we are unsure how this will manifest but something will be decided on. We will probably have a separate thread for organizing this in the future to choose what pieces we should do, but feel free to spitball in the comments for the *form* you would like to see this take.

Write in responses for sub improvement:
• [Mod] Explicitly state openness to everyone
[Mod] More openness to educating socdems [Several responses]
[Mod] Make it clear that this is a safe space
[Mod] Simplify rules
[Mod] More transparency [Several responses]
[Mod] Mod elections [Several responses]
[Mod] Messages against the anti-ableism policy
[Mod] Less sectarianism [Several responses]
[Mod] More openness to critiques from the left [Several responses]
Weekly/Monthly series of famous leftists/revolutionaries. Some suggestions include focusing on PoC or gender and sexual minorities. [Several responses]
Monthly day to promote materials and/or limit action to oppressed groups.
Weekly threads that put oppressed groups in the center (e.g. asking them how leftists can support them)
More socialist discussion to reduce socdems who identify as marxists and increase radicalization
More surveys on certain topics (e.g. accelarationism, lesser evilism...) to stimulate discussions
More international content - Less US-centrism [Several responses]
More megathreads (e.g. organize megathread)
More reading lists/starter pack content/etc [Several responses]
More discussion and less «Meme bashing»
Mythbusting
Put Soc’s design up for a vote (USSR propaganda = turns away)

We will be incorporating this at varying degrees of engagement depending on which ones are easy to implement (believe it or not mods *do* have lives after all!) and which ones would most effeciently improve the sub. Definitely definitely definitely discuss which ones matter to you the most in the comments!


Cheers,
Mods Team
submitted by comradeMaturin to u/comradeMaturin [link] [comments]

Credit Union "Imcovered" Request for Proof of Auto Insurance Scam

TL;DR: Anything from "Imcovered.com" asking for proof of insurance is probably a scam. Our credit union has never heard of them and isn't affiliated with them.
________________________________
My wife recently bought a new car and financed it through our Credit Union that we have joint accounts in, however, only her name is on the auto loan.
A couple weeks later, we get an email from "credit-union-name-here@imcovered.com" titled "Request for Proof of Insurance." I'll paste the email below, but there were several red flags:
I called our credit union and was redirected to their insurance department. First off, our actual credit union automated system kept asking for a "Reference ID." Well, in the email I got a "Unique ID" so I tried entering that. Didn't work. Once I was connected to an actual human, she once again asked for the "Reference ID." I told her I got a "Unique ID" not a "Reference ID." She said that the number should start with a 7. Nope, my number started with a 9. I asked her about "Imcovered.com" and she said they had no affiliation with Imcovered.com and that they use a different site. She also said that anything regarding this should be going directly to my wife and not me.
Here is the email, edited for privacy:
Dear u/Cryptikfox, Unique Identifier #: ##########
Thank you for choosing Credit-Union-Name-Here to finance the loan on the collateral listed below. Our records indicate that we do not have a current copy of your insurance declarations page for your insurance policy. Your loan agreement requires that you maintain insurance coverage throughout the term of your loan.
Year Make Model

To submit proof of coverage, please send a copy of your insurance declarations page showing your current policy information:
The insurance declarations page should include the following information:
ID cards are not acceptable proof of insurance.
Click Here [link to imcovered.com] to update your insurance policy information.
If you have questions regarding this message, please call (866) 253-4928. Thank you for your prompt attention.
Sincerely,
Insurance Services credit-union-name-here
<<<Unsubscribe>>> [weird formatted link to imcovered.com]
credit-union-name-here P O Box ###### San Antonio, TX #####
submitted by Cryptikfox to Scams [link] [comments]

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https://preview.redd.it/lxpb4c4cyb351.jpg?width=1035&format=pjpg&auto=webp&s=7be6ec1d69066532f753270b24feff6688692119
submitted by justorklifestyle to u/justorklifestyle [link] [comments]

The Complete Anthology of Penguins Goaltenders, PART TWO: 2005-Present

#31 Sebastien Caron

2002-2006
The Stats: 90 games played, 24-47-12 record with PIT. 4 shutouts, .892 SV%
The Mask: Not bad I guess
The Good: One of the craziest saves you’ll ever see against Philly during Sid’s rookie year
The Bad: Will always be equated with some very dark and awful Pens teams.
The Exit: Pens bought out his contract with the emergence of Fleury and after signing Jocelyn Thibault. Appeared in 5 NHL games after that with Anaheim, Chicago, and Tampa Bay before going to Europe.
Nowadays: No idea. Appears to be back in Canada but his Twitter is pretty barebones

#41 Jocelyn Thibault

2005-2007
The Stats: 38 games played, 8-17-5 record with PIT. 1 shutout, .894 SV%
The Mask: Nothing special
The Good: Even straight guys would have to admit: This is one good looking dude
The Bad: Even for a backup, he was pretty meh
The Exit: Signed with Buffalo in July 2007 during free agency.
Nowadays: Owner and GM of the Sherbrooke Phoenix of the QMJHL

#35 Ty Conklin

2007-2008
The Stats: 33 games played, 18-8-5 record with PIT. 2 shutouts, .923 SV%
The Mask: I’d say it’s one of the better ones of the last 15 years
The Good: WHEW we’re starting to get into some real beauties here. The journeyman was brought up to the NHL in December 2007 when Fleury went down with a high ankle sprain, leaving Conklin and Dany Sabourin in charge of the crease and putting the Pens season on life support. But, he won his first nine starts for Pittsburgh and helped the Pens turn their season around en route to an appearance in the Stanley Cup Final. Also started for Pittsburgh for the inaugural Winter Classic against Buffalo in 2008. He actually is still #1 in franchise SV% of all goalies with at least 30 games played.
The Bad: After losing to the Wings in the 2008 finals, him and Judas Marian Hossa went and signed with them that offseason
The Exit: See above.
Nowadays: Assistant and Goaltending Development Coach for his Alma Mater University of New Hampshire.

#30 Dany Sabourin

2005-2006, 2007-2009
The Stats: 44 games played, 16-18-3 record with PIT. 2 shutouts, .899 SV%
The Mask: Look at this monstrosity. Is that his crying baby on the side?
The Good: He and Conklin guided the Penguins through the aforementioned injury to Fleury.
The Bad: Couldn’t cut it as a backup the following year, posting a pedestrian .898 SV% in the 08-09 season before Shero shipped him off in a trade in January 2009.
The Exit: See above. Traded to Edmonton in a deal for Mathieu Garon
Nowadays: Continued his hockey career in France all the way up until 2017. Is now the goalie coach for the Rouyn-Noranda Huskies of the QMJHL

#32 Mathieu Garon

2009
The Stats: 4 games played, 2-1 record with PIT. .894 SV%
The Mask: Not really a fan of the Blue showing through
The Good: Just now realizing there’s been a ton of Québécois goaltenders for the Penguins (THE BEST YET TO COME OF COURSE). Garon has his name on the Stanley Cup thanks to a mop-up appearance in game 5 of the 2009 Finals in relief of Flower who had given up 5 goals. It was his only appearance in the playoffs that year.
The Bad: Not much to find. His first appearance as a Penguin was a 5-4 loss to Toronto on Jan 31 where he surrendered 5 goals on 26 shots and put the Pens one game above .500 in the standings. Still pretty incredible that that Cup-winning team was out of the playoffs in mid-February until they canned Therrien.
The Exit: Signed with Columbus as a UFA the following off-season.
Nowadays: Assistant Hockey Director of Community Hockey with the Tampa Bay Lightning

#1/#36 John Curry

2008-2010
The Stats: 4 games played, 2-2 record with PIT. .867 SV%
The Mask: About the fifth version already of a cartoon penguins busting through a brick wall
The Good: Appeared in 3 games in the 08-09 season when Flower went out with minor injuries and performed pretty well, getting 2 wins and boasting a .913 SV%
The Bad: His one appearance the following season was a complete disaster and led to the debut of the next guy on our list. After injuries to Fleury and Brent Johnson, Curry got the start against Vancouver in January 2010 and surrendered 5 goals on 14 shots before being yanked in the 2nd period.
The Exit: Never played another game for the NHL Pens. Signed with Hamburg of the DEL in Germany the following offseason, but he did eventually come back to North America and appeared in a handful of NHL games for Minnesota.
Nowadays: No clue. But he shares a name with a British figure skater so that’s annoying.

#40 Alexander Pechurski

2010
The Stats: 1 game played with PIT. 36 Minutes, 13 shots-12 saves
The Mask: Plain white with what looks like some Penguins stickers on it? I’m not even mad, that’s amazing
The Good: The closest thing the Penguins have to EBUGs Scott Foster and David Ayres is Alexander Pechurski. Pechurski was actually drafted 150th overall by Pittsburgh in 2008 and was 19 years old playing for Tri-City of the WHL when he had to dress for the big boy squad on an emergency call-up basis after injuries to Fleury and Brent Johnson. Pechurski backed up the aforementioned Curry for a game in Vancouver in January 2010, and went into the game in the 2nd period after Curry shit the bed. Pechurski performed admirably, stopping 12 of 13 shots and earning third star of the game. He’s also the only Russian goaltender to ever appear in net for the Pens.
The Bad: We had a golden opportunity to see a repeat of Johan Hedberg and have him wear a totally non-matching mask, but alas instead of donning his juniors mask, he wore a plain white generic one.
The Exit: Pechurski never sniffed the NHL ever again. At the end of that season, he left the WHL due to his age and played one season with the Mississippi Riverkings of the CHL. He signed a PTO with the baby Pens in 2011 but didn’t make any appearances and was released by the team later that year. He eventually headed back to Russia, where he spent 5 years in the KHL, mostly in a backup role.
Nowadays: Is still listed on the roster for Metallurg of the Supreme Hockey League, Russias Tier II professional league. He’s appeared in 11 games this year with an .892 SV%

#39 Brad Thiessen

2012
The Stats: 5 games played, 3-1 record with PIT. .858 SV%
The Mask: I don’t get it…”Ice Pond”?
The Good: In his first career start in February 2012 he beat the Blue Jackets on national television.
The Bad: In his 4th ever appearance, he gave up 8 goals on 28 shots in a game against Ottawa
The Exit: Spent the entire following season in WBS. Played in Finland in 13-14 and then back to North America where he’s been bouncing around the AHL and ECHL ever since
Nowadays: Currently still on the roster for the Cleveland Monsters of the AHL. He’s appeared in 8 games this year and has a 3-4 record with an .881 SV%

#1 Brent Johnson

2010-2012
The Stats: 62 games played, 29-18-6 record with PIT. 1 shutout, .907 SV%. Appeared in 3 playoff games but all in mop-up roles and the stats were still ugly.
The Mask: BJ was a big Led Zeppelin fan and always paid tribute to them on his masks
The Good: Capable backup to Flower during the inter-Cup period. Also KOd Rick “Glass Jaw” Dipeitro and answered the bell later than year against career goon and idiot Micheal Haley.
The Bad: Alluded to this earlier, but appeared in 3 playoff games for the Pens, playing a combined 85 minutes and surrendering 7 goals on 24 shots.
The Exit: Pens signed Tomas Vokoun in the 2012 offseason and BJ became a UFA. Unable to find any suitors, he called it a career at the age of 34.
Nowadays: Who knows. His last tweet was congratulating Ovechkin on 700 goals. But to be fair, he did play in Washington with Ovi for a couple years.

#92 Tomas Vokoun

2012-2013
The Stats: 20 games played, 13-4 record with PIT. 3 shutouts, .919 SV%. Appeared in 11 playoff games, 6-5 record with a .933 SV% and 1 shutout.
The Mask: Nothing special
The Good: Unfortunately, Vokoun is barely remembered in PIT, but he put together a really strong season as backup, and then an incredible playoff run. When Fleury fell apart in the playoffs for the 2nd straight season, Bylsma stuck Vokoun in for game 5 of the tied first round series against NYI. Vokoun steadied the ship and pitched a 31 save shutout in game 5, and the Pens won game 6 in OT. He helped defeat Ottawa in 5 games in the 2nd round, and still had a respectable .915 SV% even in the 4-game sweep by Boston in the ECF.
The Bad: This shitty goal allowed against Washington off a nightmare bounce.
The Exit: Extremely unfortunate. Vokoun was signed for another year, but had emergency surgery during the 2013 pre-season when doctors found a blood clot in his pelvis. He never played in the NHL again and announced his retirement in December 2014
Nowadays: Lives in Florida and helps run the Southern Florida Hockey Academy with ex-teammate Olli Jokinen

#1 Thomas Greiss

2014-2015
The Stats: 20 games played, 9-6-3 record with PIT. .908 SV%
The Mask: Actually more impressive than I remembered
The Good: His Pens career is forgettable, mostly because he played on an awful Mike Johnston-led team, but I guess he put up decent enough numbers in a backup role. Also the only ever German goalie to appear for the Pens.
The Bad: When playing with the Islanders the next season, he claimed that PPG Paints Arena was “Pretty dead” and that playing in New York was a much better atmosphere
The Exit: Left after one season and signed with the Islanders.
Nowadays: Still played for the Islanders. Currently has a 16-9-4 record this year with a .913 SV%

#37 Jeff Zatkoff

2013-2016
The Stats: 35 games played, 16-14-3 record with PIT. 1 shutout and .915 SV%. 2 career playoff games played, 1-1 record with a .908 SV%
The Mask: Simple, yet solid
The Good: MISTER GAME ONE! Jeffy boy started the first two games of the 2016 playoffs after injuries to Fleury and Murray. He won game 1, lost game 2, and then Murray took the reins. He never played in a Pens uniform again, although had this epic celebration in the locker room after the cup win.
The Bad: Nothing bad to find about his time in PIT, although he definitely partied way too hard over the summer because his season as backup in LA the following year was abysmal.
The Exit: Signed as a UFA with LA, went 2-7 with an .879 SV%
Nowadays: Plays for the Straubing Tigers in the DEL in Germany. This past year he appeared in 30 games with a .912 SV%

#1 Mike Condon

2016
The Stats: 1 game played with PIT. 20 minutes played, stopped all 7 shots.
The Mask: Somehow he actually had a Penguins custom mask for his two week stint with the team. Maybe it was one of Murray’s
The Good: Stopped all 7 shots he faced in his one appearance with the Pens. Will forever be the all-time leader in SV% in franchise history (without minimums of course)
The Bad: Name immediately looks like “Condom” at first glance.
The Exit: 2 weeks after being claimed off waivers, he was traded to Ottawa on November 2, 2016 for a 5th round pick.
Nowadays: Has been all over the place this season. I’ll just copy and paste directly from Wikipedia: Assigned to AHL affiliate, the Syracuse Crunch, he appeared in his first game in over a year on December 14, 2019. After 6 games with the Crunch, Condon was re-assigned to the ECHL for the first time in six years, loaned to the Orlando Solar Bears on February 5, 2020. Condon made 4 appearances with the Solar Bears before he returned to the AHL, assigned on loan by the Lightning to the Charlotte Checkers, the affiliate to the Carolina Hurricanes on February 26, 2020. Condon made a lone appearance with the Checkers, allowing 4 goals in a 5-3 defeat to the Lehigh Valley Phantoms on February 23, before he was recalled from his loan by the Lightning and returned to the Crunch

#29 Marc-Andre Fleury

2004-2017
The Stats: 691 games played, 375-216-68 career record with PIT. 44 shutouts, .912 SV%. 115 career playoff games played, 62-51 record. 10 shutouts, .908 SV%. Franchise leader in Games Played, Wins, Losses, Saves, Shutouts, and Stanley Cup rings as a goaltender.
The Mask: He had a million different ones in his Pittsburgh career, but my favorite has to be his Stadium series one with all his teammates on it
The Good: What can you even say? The franchise leader in pretty much every statistical category except maybe assists, he was the first overall pick in the 2003 NHL draft and made his debut admittedly way too early at the age of 19. Statistically, his best playoffs far and away was actually the 2008 Stanley Cup run when the Pens lost in 6 games to Detroit in the Finals, as he had 3 shutouts and posted an incredible .933 SV% in 20 games. Although not as good statistically speaking, he still played great in the 2009 playoffs to lead the Penguins to the Stanley Cup, including the incredible save at the conclusion of Game 7 that no Penguins fan will ever forget. After a few rocky years in the postseason, the most unsung heroics of his Pens career might be the 2015-16 season. He played probably the best hockey of his career during the regular season, keeping the Pens afloat despite a brutal system in place by head coach Mike Johnston, and posted 5 shutouts and a .921 SV%. After Johnston was fired and Sullivan took the reins, Flower kept up his great play but was sidelined with a concussion on March 31. Matt Murray took over the starting job into the playoffs, and the rest was history. Flower appeared in just 2 playoff games that year – in relief of Murray in game 4 of the ECF where he stopped 7 shots in 18 minutes of play, and then started game 5, where the Pens lost in OT and he surrendered 4 goals on 25 shots. Sullivan went back to Murray for good after that. In the ensuing party after winning the Cup in San Jose later that year, most of the talk was (rightly so) surrounding the Pens rookie phenom goalie Matt Murray, but unfortunately not as much was said about Flower, even though he kept their heads above water during the regular season. The 2016-17 season was a bittersweet farewell tour for Fleury. He split time with Murray and unexpectedly started the playoffs after Murray tweaked an injury before Game 1 of the opening round. Fleury played lights-out in his 15 games of duty that playoffs: going 9-6 with 2 shutouts and a .924 SV%, including many games against CBJ and WSH when the Pens were handily outshot. Murray took back the starters crease once again in the ECF against Ottawa after a tough Game 3, and never looked back. Flower’s last ever appearance in a Pens uniform was unfortunately a sour one: Giving up 4 goals on 9 shots in 12 minutes of play, but he was still a key piece of the 2017 Cup. Off the ice, he was a class act in every sense of the word, which made his playoff struggles during parts of his career especially tough to stomach. Still the gold standard of goaltending in Pittsburgh and key part of 3 Stanley Cups, there’s little doubt his #29 will one day be raised to the rafters in Pittsburgh
The Bad: In all fairness, you can’t discuss the great moments of Flower without also mentioning the negatives, and there definitely were some negatives. Following the 2009 Cup win, Fleury had 4 straight playoffs with a sub - .900 SV%, including an absolutely horrifying series against Philly in 2012 and another tough first round against the Isles the following year where he was yanked after 4 games in favor of Vokoun. The demons were excised a little bit in the 2014 playoffs, except for a brutal performance in game 4 against CBJ where a mishandle of the puck in the final minute led to the Jackets tying the game, and then Nick Foligno scored from 3 states away in OT. But he bounced back, and while the Pens lost in the 2nd round to the Rangers in 7 games, Flower definitely wasn’t to blame that year, or the following year when a Mike Johnston-led squad bowed out of the playoffs in 5 games.
The Exit: In the 2017 offseason, Fleury agreed to waive his no-movement clause and be exposed in the Vegas expansion draft, where the Knights picked him up to be the centerpiece of their franchise.
Nowadays: Still playing for Vegas obviously.

#31 Antti Niemi

2017
The Stats: 3 games played, 0-3 record with PIT. .797 SV%.
The Mask: I actually like it
The Good: uhhhhhhh…..crickets chirping……..hmmmm……no one died? Also the only ever Finnish goalie to play for the Pens
The Bad: Everything. Allowed 16 goals on 79 shots in 3 games played. His .797 SV%, while yes a small sample size, is still the worst in franchise history of any penguin goaltender who has faced at least 30 shots.
The Exit: Put on waivers not even a month into the 17-18 season and claimed by the Panthers. Then Florida waived him 2 weeks later and he was picked up by Montreal.
Nowadays: Played this past season for Jokerit of the KHL. Appeared in 19 games with an .883 SV%

#1 Casey DeSmith

2017-2019
The Stats: 50 games played, 21-15-6 record with PIT. 4 Shutouts, .917 SV%
The Mask: Nothing to really write home about, but he does have an homage to disc golf on it
The Good: A real bright spot on the Pens last season, performing extremely solid in backup duties.
The Bad: Was left off the opening day roster to begin this season, and was understandably frustrated. Hasn’t had an overly impressive year with the Baby Pens this season.
Nowadays: Appeared in 41 games this year with WBS, going 18-18-2 with 3 shutouts and a .905 SV%

#35 Tristan Jarry

2016-present
The Stats: 62 games played, 34-20-4 record with PIT. 5 Shutouts, .914 SV%
The Mask: The nod to Tom & Jerry is fun
The Good: Jarry’s had an interesting career trajectory thus far. After an impressive season with Edmonton of the OHL, he was drafted 44th overall by PIT in 2013 and was largely seen as the heir apparent to Marc-Andre Fleury, before well…Matt Murray happened. He had another good year in juniors in 13-14, but his 14-15 junior year was a bit of a disappointment. After bouncing around a bit for a few seasons, he’s come on this season with a solid campaign and even appeared in the NHL all-star game.
The Bad: As alluded to before, the emergence of Matt Murray probably set expectations for Jarry a little too high right off the bat, and he just needed a little more development. He struggled his first year in WBS in 15-16 and struggled again in 17-18 bouncing between the AHL and NHL before putting together a better season in WBS last year.
Nowadays: Having a great year for the Pens so far in 19-20, with a 20-12-1 record and a .921 SV%

#30 Matt Murray

2016-present
The Stats: 199 games played, 117-53-19 record with PIT. 11 Shutouts, .914 SV%. 48 career playoff games played, 28-19 record. 6 shutouts, .921 SV%
The Mask: Murray’s never had extremely complex masks, and has mostly kept it simple
The Good: Matt Murray could never win another game in his NHL career, and his name would still be in the NHL history books. He is the epitome of a player who came out of nowhere: He was drafted 83rd in the 2012 draft and was never a really highly-regarded prospect until a switch flipped for him in 2013. He had great year in 13-14 with the Soo Greyhounds of the OHL, then his 14-15 season with the Baby Pens was historic: posting 12 shutouts and 25 wins and an insane .941 SV% in 40 games played. He won the Baz Bastien Award that year for best goalie in the AHL (interestingly enough, FOUR other goalies previously mentioned on this list also won it: Wendell Young, Martin Brochu, Dany Sabourin, and Brad Thiessen….so let’s just say that it wasn’t exactly a guarantee of success in the NHL). He bounced between WBS and the NHL in 15-16 until getting the starting gig in the playoffs with an injury to Fleury. He put on an historic run as a 21 year old those playoffs: going 15-6 with a shutout and .923 SV%, en route to a Stanley Cup. Because he had only appeared in 13 games in the 15-16 season, he was still considered a “rookie” by NHL standards the next year, and split time in the regular season with Fleury, but got injured in warmups before their game 1 playoff game, so Fleury took over. The injury was minor and Murray was back serving as backup not long after, until a tough game 3 of the ECF against Ottawa when he was put back into the starting role and never gave it up. His numbers during the 2017 run were incredible as well: 10 GP, 7-3 record, 3 shutouts, .937 SV% and 1.70 GAA. He became the only goalie in NHL history to win 2 Stanley Cups as a rookie, which we may never see again.
The Bad: Fleury left the team after the 2017 season and Murray was regarded as the bona fide #1. He hasn’t put up awful numbers since then, but his stats, especially in the playoffs, have been nowhere near the levels of this first two seasons.
Nowadays: With the Pens so far in 19-20: 38 Games Played, 20-11-5 record. One shutout, .899 SV%
submitted by HandsLikeLuke to penguins [link] [comments]

Free 10 EUR with Lenndy for investing 100 EUR

Free 10 EUR with Lenndy for investing 100 EUR

Lenndy are a P2P lending marketplace allowing you to easily invest in loans and offering around 13-16% interest in return. They have a good range of loans available, and most have a buyback guarantee with the loan originator.
They're currently offering a 10 EUR bonus to anybody who signs up and invests 100 EUR into one or more loans.

Steps

  1. Sign up for an account with Lenndy using my referral link (non-ref, no bonus) making sure the code IKsFpTE is entered in the "Referral code" box.
  2. Make a deposit of 100 or more EUR via SEPA from a bank account in your name.
  3. Invest at least 100 EUR in loans. This can all be in one loan, or spread across multiple different loans.
  4. You will receive the 10 EUR bonus in your account once this has been done.

Links

  1. Referral link (10 EUR bonus)
  2. Non-referral link (no bonus)
  3. Info / Terms
  4. Payment proof

Notes

  1. The 10 EUR bonus can be withdrawn or used however else you would like immediately.
  2. There's plenty left available to invest in loans with short repayment periods left, for example there's currently 27,470 EUR available in a loan with 1 month and 16 days left.
  3. You can create auto invest rules to automatically allocate your investments to your preferred loans.
  4. If you sign up with my link, I'll also get 10 EUR when you do.
  5. Be sure to read up on P2P investing as it is not 100% risk-free.
  6. Let me know if you have any questions. Happy to help here in the thread or by message or DM if you'd prefer :)
submitted by pKYmlCo70Iyn9D0q38L1 to beermoneyuk [link] [comments]

Bowl Eligibility Tracker: Week 14

Going Bowling! (79/78)

Team Remaining Games Bowl
Air Force Air Force 10-2
Alabama Alabama 10-2
Appalachian State Appalachian State 11-1 Louisiana SB Championship
Arizona State Arizona State 7-5
Arkansas State Arkansas State 7-5
Auburn Auburn 9-3
Baylor Baylor 11-1 OU B12 Championship
Boise State Boise State 11-1 Hawaii MW Championship
Boston College Boston College 6-6
Buffalo Buffalo 7-5 Bahamas Bowl Bahamas Bowl
BYU BYU 7-5 Hawai'i Bowl Hawai’i Bowl
California Cal 7-5
Central Michigan Central Michigan 8-4 Miami (OH) MAC Championship
Charlotte Charlotte 7-5 Bahamas Bowl Bahamas Bowl
Cincinnati Cincinnati 10-2 @ MEM AAC Championship
Clemson Clemson 12-0 UVA ACC Championship
Eastern Michigan Eastern Michigan 6-6
FAU FAU 9-3 UAB C-USA Championship
FIU FIU 6-6
Florida Florida 10-2
Florida State Florida State 6-6
Georgia Georgia 11-1 LSU SEC Championship
Georgia State Georgia State 7-5
Georgia Southern Georgia Southern 7-5
Hawai’i Hawai’i 9-4 Boise MW Championship
Illinois Illinois 6-6
Indiana Indiana 8-4
Iowa Iowa 9-3
Iowa State Iowa State 7-5
Kansas State Kansas State 8-4
Kentucky Kentucky 7-5
Kent State Kent State 6-6
Liberty Liberty 7-5
LSU LSU 12-0 Georgia SEC Championship
Louisiana Louisiana 10-2 @ App St SB Championship
Louisiana Tech Louisiana Tech 9-3
Louisville Louisville 7-5
Marshall Marshall 8-4
Memphis Memphis 10-1 CIN AAC Championship
Miami Miami 6-6
Miami (OH) Miami (OH) 7-5 CMU MAC Championship
Michigan Michigan 9-3
Michigan State Michigan State 6-6
Minnesota Minnesota 10-2
Mississippi State Mississippi State 6-6
Navy Navy 9-2 Army
Nevada Nevada 7-5
North Carolina North Carolina 6-6
Notre Dame Notre Dame 10-2
Ohio Ohio 6-6
Ohio State Ohio State 12-0 WISC B1G Championship
Oklahoma Oklahoma 11-1 BAY B12 Championship
Oklahoma State Oklahoma State 8-4
Oregon Oregon 10-2 Utah P12 Championship
Penn State Penn State 10-2
Pittsburgh Pitt 7-5
San Diego State San Diego State 9-3
SMU SMU 10-2
Southern Miss Southern Miss 7-5
Temple Temple 8-4
Tennessee Tennessee 7-5
Texas Texas 7-5
Texas A&M Texas A&M 7-5
Toledo Toledo 6-6
Tulane Tulane 6-6
UAB UAB 9-3 @ FAU C-USA Championship
UCF UCF 9-3
USC USC 8-4
Utah Utah 11-1 ORE P12 Championship
Utah State Utah State 7-5
Virginia Virginia 9-3 Clemson ACC Championship
Virginia Tech Virginia Tech 8-4
Wake Forest Wake Forest 8-4
Washington Washington 7-5
Washington State Washington State 6-6
Western Michigan Western Michigan 7-5
Wisconsin Wisconsin 10-2 OSU B1G Championship
WKU Western Kentucky 8-4
Wyoming Wyoming 7-5
Everybody else has been eliminated

Bowl Tie-Ins

American Americam
Bowl Conference Opponent
Birmingham Bowl Birmingham Bowl SEC
Gasparilla Bowl Bad Boy MowersGasparillia Bowl C-USA
Hawai’i Bowl Hawaii Bowl BYU or Mountain West
Military Bowl Military Bowl presented by Northrup Grumman ACC
Boca Raton Bowl Cheribundi Tart Cherry Bowl C-USA
Cure Bowl AutoNationCure Bowl Sun Belt
Frisco Bowl Frisco Bowl At-Large
ACC ACC
Bowl Conference Opponent Conditions
College Football Playoff College Football Playoff If Selected
Orange BowlCapital One Orange Bowl New Year’s Six
Camping World Bowl Camping World Bowl Big 12
Citrus Bowl Citrus Bowl SEC or Big Ten If top possible team is higher-ranked than SEC or Big Ten team
Belk Bowl Belk Bowl SEC
Sun Bowl Tony the Tiger Sun Bowl Pac-12
Pinstripe Bowl New Era Pinstripe Bowl Big Ten
Music City Bowl Franklin American Mortgage Music City Bowl OR Gator Bowl TaxSlayer Gator Bowl SEC ACC and Big Ten combine in the Music City and TaxSlayer, with each getting three appearances in six years. The ACC played in the Music City in 2015 and the TaxSlayer in 2016, 2017 & 2018. It’s almost certainly going to be in the Music City, but can still play in the TaxSlayer.
Independence Bowl Walk-On’s Independence Bowl SEC
Military Bowl Military Bowl presented by Northrup Grumman American
Quick Lane Bowl Quick Lane Bowl Big Ten
Gasparilla Bowl Bad Boy Mowers Gasparilla Bowl American/C-USA Conditional if American Athleticor Conference USA can’t fill the spot.
Birmingham Bowl Birmingham Bowl American/SEC Conditional if American Athleticor SECcan’t fill the spot
Big Ten Big Ten
Bowl Conference Opponent Conditions
College Football Playoff College Football Playoff If Selected
Rose Bowl Rose Bowl Pac 12
Citrus Bowl Citrus Bowl ACC or SEC Agreement for Citrus is for five different teams in six years, so no Penn State, Minnesota or Michigan, if possible
Outback Bowl Outback Bowl SEC Agreement is for five different teams in six years, so no Iowa, Wisconsin, Michigan or Northwestern, if possible.
Holiday Bowl San Diego Country Credit Union Holiday Bowl Pac-12 Agreement is for five different teams in six years, so no Michigan State, Minnesota, Nebraska, Northwestern or Wisconsin, if possible.
Music City Bowl Franklin American MortgageMusic City Bowl OR Gator Bowl TaxSlayer Gator Bowl SEC ACC and Big Ten combine in the Music City and TaxSlayer, with each getting three appearances in six years. The Big Ten played in TaxSlayer in 2015and the Music City in 2016, 2017 & 2018. It’s almost certainly going to be in the TaxSlayer, but no Iowa or Penn State, if possible.
Pinstripe Bowl New Era Pinstripe Bowl ACC Bowl would prefer to have eight different teams in eight years, so no Indiana, Iowa, Northwestern, Penn State or Wisconsin, if possible.
Redbox Bowl Redbox Bowl Pac 12 Agreement is for five different teams in six years, so no Indiana, Maryland, Michigan State, Nebraska or Purdue, if possible.
Quick Lane BowlQuick Lane Bowl ACC
Armed Forces Bowl Lockheed Martin Armed Forces Bowl Mountain West Agreement for three SERVPRO First Responders and three Armed Forces bowls in six years. The Big Ten hasn’t been in the Armed Force Bowl since 2014. The Big 12 is contracted to play in the SERVPRO First Responders in 2019.
Big 12
Bowl Conference Opponent
College Football Playoff College Football Playoff If Selected
Sugar Bowl Allstate Sugar Bowl SEC
Alamo Bowl Valero Alamo Bowl Pac 12
Camping World Bowl Camping World Bowl ACC
Texas Bowl Academy Sports + Outdoors Texas Bowl SEC
Liberty Bowl Autozone Liberty Bowl SEC
Cheez-It Bowl Cheez-It Bowl Pac 12
First Responder Bowl SERVPRO First Responders Bowl C-USA
Conference USA C-USA
Bowl Conference Opponent Conditions
Gasparilla Bowl Bad Boy Mowers Gasparilla Bowl American
Bahamas Bowl Bahamas Bowl MAC
New Mexico Bowl Gildan New Mexico Bowl Mountain West
New Orleans Bowl R&L Carriers New Orleans Bowl Sun Belt
First Responder Bowl SERVPRO First Responders Bowl Big 12
Independence Bowl Walk-On’s Independence Bowl ACC/SEC Conditional if ACC or SEC can’t fill a spot.
Frisco Bowl Frisco Bowl American/MAC Conditional if American Athletic or MAC can’t fill a spot.
FBS Independents
Team Bowl Affiliation
Army Army Not Bowling
BYU BYU Hawai'i Bowl Hawai'i Bowl vs American or Mountain West
Liberty Liberty Secondary option for the Cure Bowl Cure Bowl if the Sun Belt or American do not have enough eligible teams to fill their bowl tie-ins.
New Mexico StateNew Mexico State Not Bowling
Notre Dame Notre Dame Takes one of the ACC’s bowl spots – if it’s not in the College Football Playoff – but it must be within one overall win over the available ACC team with the best overall record.
UMass UMass Not Bowling
MAC MAC
Bowl Conference Opponent Conditions
Boca Raton Bowl Cheribundi Tart CherryBowl American
Dollar General Bowl LendingTree Bowl Sun Belt
Famous Idaho Potato Bowl Famous Idaho Potato Bowl Mountain West
Bahamas Bowl Bahamas Bowl C-USA
Camellia Bowl Raycom Media Camellia Bowl Sun Belt
Quick Lane Bowl Quick Lane Bowl ACC/Big Ten Conditional if ACC or Big Ten can’t fill a spot.
Mountain West Mountain West
Bowl Conference Opponent Conditions
Las Vegas Bowl Las Vegas Bowl Pac 12
Famous Idaho Potato Bowl Famous Idaho Potato Bowl MAC
New Mexico Bowl Gildan New Mexico Bowl C-USA
Hawai'i Bowl Hawai'i Bowl BYU or American
Armed Forces Bowl Lockheed Martin Armed Forces Bowl Big Ten
Arizona Bowl NOVA Home Loans Arizona Bowl Sun Belt
Cheez-It Bowl Cheez-It Bowl Pac 12/Big 12 Conditional for Mountain West if bowl can’t fill a spot.
Pac-12 Pac-12
Bowl Conference Opponents
College Football Playoff College Football Playoff If selected
Rose Bowl Rose Bowl Big Ten
Alamo Bowl Valero Alamo Bowl Big 12
Holiday Bowl SanDiego County Credit Union Holiday Bowl Big Ten
Redbox Bowl Redbox Bowl Big Ten
Sun Bowl Tony the Tiger Sun Bowl ACC
Las Vegas Bowl Las Vegas Bowl Mountain West
Cheez-It Bowl Cheez-It Bowl Big 12
SEC SEC
Bowl Conference Opponent
College Football Playoff College Football Playoff If Selected
Sugar Bowl Allstate Sugar Bowl Big 12
Citrus Bowl Citrus Bowl Big Ten or ACC
Liberty Bowl Autozone Liberty Bowl Big 12
Belk Bowl Belk Bowl ACC
Music City Bowl Franklin American Mortgage Music City Bowl ACC or Big Ten (most likely the ACC)
Outback Bowl Outback Bowl Big Ten
Gator Bowl Taxslayer Gator Bowl ACC or Big Ten (most likely the Big Ten)
Texas Bowl Academy Sports + Outdoors Texas Bowl Big 12
Birmingham Bowl Birmingham Bowl American
Independence Bowl Walk-On’s Independence Bowl ACC
Sun Belt Sun Belt
Bowl Conference Opponent
New Orleans Bowl R&L Carriers New Orleans Bowl C-USA
Dollar General Bowl LendingTree Bowl MAC
Camellia Bowl Raycom Media Camellia Bowl MAC
Cure Bowl AutoNation Cure Bowl American
Arizona Bowl NOVA Home Loans Arizona Bowl Mountain West
It should also be noted ESPN owns 13 of these bowl games so they can manipulate conference tie ins if they want to.
I might be back next week, I might not. I don’t know if the mods have a bowl game thread already in the works or not. If not, I’ll probably be back next week. If they do, it has been an honor to do this every week for this community. You guys are the best!
submitted by nburt13 to CFB [link] [comments]

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