Literature financial risk jobs
...professional with expertise in preparing financial statements to create both an income statement and balance sheet, on a quarterly basis. The statements should conform to the International Financial Reporting Standards (IFRS). Key Responsibilities: - Develop an income statement and balance sheet for the quarter in line with IFRS requirements Ideal Skills and Experience: - Strong background in finance and accounting - Previous experience with IFRS and financial statement preparation - Detail-oriented and proficient in financial analysis and reporting - Ability to meet stringent deadlines and deliver high-quality work Please provide evidence of similar work completed in the past. I am looking for someone who can meticulously organize my financial dat...
...visually engaging financial tracking template for personal use. The template should be modern, user-friendly, and adaptable to digital formats. It must also be vibrant and colorful, reflecting a lively and motivating approach to managing finances. Requirements: Expense Tracking: The template should allow for detailed tracking of expenses, with sub-categories under main expense headings to ensure thorough documentation. Income Tracking: As my income comes from various streams, the income tracking component should be equally detailed, allowing for precise monitoring and categorization of multiple income sources. Financial Goal Setting: There should be a dedicated section for setting and monitoring financial goals, which can help in achieving short and long-term ...
...last year's trial balance sheet to ensure all data is accurately captured. Looking for someone with knowledge on Indian book keeping practises. Key requirements include: - Migrating important account details from Tally Prime to Zoho Books - No transaction wise migration is needed, but just setup the opening balances for current fiscal in Zoho books using Trial balance from Tally for previous financial year) - Sync balances between Tally data with Zoho - Addressing discrepancies by adjusting them in the current accounting period - Providing training for one person on key features of Zoho Books Ideal skills and experience: - Proficient with Tally Prime and Zoho Books - Experienced in migrating data between accounting software - Skilled in training others on software functi...
I have a Canadian franchise agreement that needs to be tailored to the US market specifically Texas. Here's what needs to be done: - Modify Terms and Conditions: The terms and conditions of the Canadian agreement have to be tailored to the US laws and market. This will include changing the territory restrictions, licensing requirements and financial obligations to suit the US legal framework. - Adjust Territory Restrictions: The rights and obligations associated with exclusive rights need to be adjusted. This will involve changing the territory restrictions to suit the US market, specifically Texas. Ideal skills for this project would be a legal professional with experience in franchise law, particularly in the US market. The freelancer should have a good understanding of th...
...heterogeneous graph format. This format will be instrumental in enhancing my machine learning models, specifically for analyzing financial transaction data. Key responsibilities include: - Developing a heterogeneous graph format that is suitable for processing complex financial transaction data - Implementing the format in Python, as this is my preferred programming language for the project Ideal candidates for this project should have: - Extensive experience in deep learning, particularly in relation to graph-based models - Strong proficiency in Python, with a proven track record of developing and implementing complex algorithms in this language - A background in handling financial data would be highly advantageous, but not mandatory If you're a professiona...
... Key Details: - Each of my restaurants employs more than 20 individuals. - The staff roles include cooks, waitstaff, and cleaning personnel. - All three restaurants operate seven days a week. Ideal Skills and Experience: - Strong financial acumen with previous experience in budgeting for large staff teams. - Familiarity with the restaurant industry, specifically understanding the roles and costs associated with cooks, waitstaff, and cleaning staff. - Ability to create a detailed and comprehensive budget that allows for ongoing operations and future financial sustainability. - Excellent communication skills to ensure clarity and mutual understanding in our collaboration. This is more than a budgeting task — it's a strategic planning role. I'm looking f...
...value expertise and a keen understanding of financial trends. Here's what we're looking for: - Weekly financial analysis provided in the form of Powerpoint presentation or via virtual meetings - Analytical focus on cash flow patterns specifically, with an emphasis on identifying areas where overspending may be occurring - A proactive approach, where you take the initiative in suggesting strategies to optimize cash flow Required skills and experience: - Strong background in financial analysis - Proficient in Powerpoint and virtual presentations - Excellent understanding of cash flows - Ability to spot overspending patterns in financial statements - Ability to make recommendations for improvements Join us in our journey toward better financ...
I'm keen on a professional who can assist me with setting up and optimizing Freshbooks for first-time use, especially in the areas of expenses tracking, subcontractors, clients and projects management. Also, t...invoicing process to allow for revenue burn rate tracking. - Monthly cleanup and categorization of expenses to generate a detailed P&L report. Ideal Skills and Experience: - Extensive experience in setting up and optimizing Freshbooks for small businesses. - Proficiency in configuring systems for expenses tracking, subcontractor management, and client/project management. - Strong understanding of financial reporting, particularly in generating detailed P&L reports. - Excellent communication skills to advise on additional Freshbooks functionalities for enhanced ...
...develop a comprehensive engineering research proposal. The objective is to find a research gap of a specific problem within the field. The level of detail I am expecting in the literature review should be comprehensive with a theoretical framework. Key Responsibilities: - Develop a well-structured research proposal - Investigate a specific problem in the field of civil engineering - Provide a comprehensive literature review with a theoretical framework Ideal Skills and Experience: - Proven experience in developing research proposals - Strong understanding of research methodologies - Proficient in conducting literature reviews and developing theoretical frameworks - Excellent academic writing skills Please bid only if you have a proven track record in develo...
I'm looking for a social media expert who can manage and create TikTok content for my fintech brand. This is a multifaceted project and requires a combination of educational, entertaining...simplifying finance for everyone. This means creating engaging content that demystifies finance and makes it accessible to a broad audience. Skills and Experience: - Proven experience in managing successful social media campaigns, particularly on TikTok. - Creativity and a knack for creating engaging, educational, and entertaining content. - Understanding of finance and the ability to simplify complex financial concepts for a general audience. - Experience in targeting multiple demographics and tailoring content to suit their interests. - Knowledge of influencer marketing and how to leverag...
...comprehensive research to identify potential acquisition targets that meet the company's acquisition criteria. 2. Build and maintain a robust network of contacts within the business community to source off-market deals. 3. Engage in proactive outreach to business owners and major shareholders to uncover potential acquisition opportunities. 4. Qualify leads based on predefined criteria, including financial performance, ownership structure, and motivation to sell. 5. Collaborate closely with the M&A team to provide detailed insights and recommendations on potential acquisition targets. Qualifications: • Proven experience in deal origination or business development within the M&A or corporate finance sector. • Self-motivated and proactive, with a demonstrate...
Seeking a professional with extensive knowledge in ISO 27001 certification, with the ability to evaluate our data security management and risk assessment processes. Your goal will be to guide us through the certification process. Skills and Experience Needed: - Understanding of relevant ISO standards - Experience with data security management - Ability to perform risk assessment Project Details: - Our data security management and risk assessment processes are well-defined and documented. - We need certification in Data security management and Risk assessment and treatment. - Please note that at present there are no formal audit processes in place, you will need to implement these. Potential applicants should have a record of successful ISO 27001 certificatio...
I have a Defined Benefit Pension i want to transfer to a SIPP, value £40K. I need IFA advice (you must be UK Financial Conduct Authority registered) before this can happen. So looking for a cost effective solution for this.
I'm looking to acquire a financial model that evaluates the purchase of an energy plant in India. The model should effectively: - Produce a Return on Investment (ROI) analysis. - Calculate future profitability using the Internal Rate of Return (IRR), Net Present Value (NPV), and Cash flow forecast. The cash flow forecast should cover a 40-year timespan. Freelancers bidding should have - Extensive experience in financial modeling and analysis, - Knowledge about energy sector investments. - Familiarity with Indian tax and energy regulations.
I need a freelancer who is an expert in the areas of Financial Management, Investment, and Risk Management to help me with my upcoming Camsim exam. Key Requirements: - Expertise in Financial Management, Investment, and Risk Management - Previous experience with Camsim exams or similar exams in these areas - Ability to explain complex concepts in a clear and concise manner Desirable Skills: - Familiarity with the latest trends and developments in these fields - Strong analytical and problem-solving skills - Excellent communication and teaching abilities If you have experience in these areas and are confident in your abilities to help me succeed in this exam, please reach out.
Description: Seeking a talented and experienced developer to lead the transformation of our teleradiology billing system from google app script to web application. Our current platform is struggling to keep pace with our growth, experiencing workflow inefficiencies and scalability challenges. This project is critical for streamlining our operations and ensuring our infrastructure...reducing manual input and increasing accuracy. Scalability Improvements: Architect and develop the system for enhanced scalability, ensuring it can handle an expanding scope of operations and a growing number of users seamlessly. Migration and Development: Lead the migration of the current system, primarily built on Google Apps Script, to a robust web application platform suitable for medical or financial...
I am seeking assistance for a personal project related to migrating from the UK to Poland due to family reasons. The topics of focus will be: 1. Understanding the Economic Impact – How will my migration affect my financial stability, cost of living, job opportunities etc.? 2. Grasping the Polish Culture – I am looking to fully explore and adapt to the local cuisine and food traditions. Any insight into this aspect would be highly appreciated. 3. Managing the Social Challenges – What potential societal issues might arise, and how can I effectively deal with them? The ideal candidate for this will have further - Knowledge on the socio-economic landscape of Poland - Authentic understanding of Polish culinary traditions - Experience in addressing societal challeng...
I'm seeking a developer to set up a finance API on my WordPress checkout page. I have the authentication info, 2 GET and 2 POST codes for you to copy and implement This is aimed at providing real-time financial information to my customers from a companies API. I have the API Documentation provided by them for you to work from. The ideal candidate for this project should have: - Extensive experience in WordPress development - A deep understanding and practical knowledge of finance APIs - A keen eye for detail to ensure accurate information display - Excellent problem-solving skills to troubleshoot any potential issues This project's key objective is for my customers to view and see the option for paying by finance on the Cart & checkout page.
I am looking for expert assistance in crafting a convincing and robust funding proposal for ...in timber and forestry products. The ideal candidate will have a strong track record in securing funding for similar ventures and deep knowledge of the agriculture sector. Key responsibilities: • Performing detailed research to underline the feasibility and profitability of the project. • Developing a compelling narrative to articulate project's potential, benefits, and overall impact. • Financial modeling to project revenue growth, expenses, and ROI. This is a great opportunity for anyone with a background in agribusiness, environmental economics, and funding proposal writing. Your strong persuasive writing skills along with deep industry insights will be highly v...
I am seeking an experienced...with a strong understanding of economics and political insurance to pen an insightful thought leadership piece. This is for my existing business, the targeted audience are industry professionals. The writer should focus on: - Risk Management Strategies: Simplify complex concepts, inform the audience about different approaches to managing risks in the political insurance sector. - Current Trends and Forecasts: Inform on the evolving landscape, highlighting the most compelling trends and forecasts. Ideal candidates will have an extensive background in economics, risk management, political insurance, and excellent writing skills. This project not only requires critical analysis but exceptional ability to present complex information in a clear, c...
...Improved cardiovascular health: Regular exercise strengthens the heart and improves circulation, reducing the risk of heart disease and stroke. 2. Weight management: Exercise helps to burn calories and build muscle, which can help with weight loss and maintenance. 3. Increased energy levels: Physical activity boosts energy levels and can reduce feelings of fatigue. 4. Improved mental health: Exercise is known to boost mood and reduce symptoms of anxiety and depression. 5. Better sleep: Regular exercise can help improve the quality of sleep and promote a more restful night's rest. 6. Enhanced brain function: Physical activity has been shown to improve cognitive function and reduce the risk of age-related cognitive decline. 7. Increased strength and flexibility: R...
...TRY !!! I need a skilled and detail-oriented financial analyst to complete a comprehensive analysis of a listed company within a timeframe of 4 hours. This is a time-sensitive task requiring accuracy and diligence. Key Responsibilities: - Generate a report based on selected financial ratios; specifically, liquidity, profitability, and solvency ratios. - Assess and include the following liquidity ratios in the report: current ratio, quick ratio, and cash ratio. - Evaluate and incorporate these profitability ratios: gross profit margin, net profit margin and return on assets. Ideal candidate: - A proficient user of Excel. - Strong mathematical and analytical reasoning abilities. - A deep understanding of financial statements and financial ratios. - Abil...
I'm in need of an experienced and creative catalog designer to create multiple modern-style catalogs, each containing 40 pages, for my range of Engineering HVAC products and services. Me being able to work closely with you on this project is key, so it's crucial that you're open to discussing the project in detail. Please note that financial aspects will only be arranged through the freelancer site. Key Responsibilities: - Designing modern and stylish catalogs that highlight our HVAC products in an appealing and compelling manner. - Creating a mix of both provided and original product images and descriptions. An eye for product staging and an ability to write clear, concise, and engaging product descriptions are must-have skills. Ideal Skills and Experience: -...
I'm in need of creative freelance linguists to beautifully adapt and translate children's rhymes from Portuguese to English. The adaptation wi...and experience: - Proficiency in English and Portuguese - A strong grasp of both languages' poetic structures - Previous experience in translation actions, ideally including children's literature or educational material - Creativity and the willingness to think outside the box; the aim is not a verbatim translation, but a version that reads as though it were originally written in English. Your role will be instrumental in shaping engaging and educational content for children, and will require both precision and creativity. If you enjoy working with language and fostering a love for learning through literature, ...
...customers issues and following problems through to resolution ● Keep accurate records and document customer service actions and discussions ● Analyze statistics and compile accurate reports ● Follow communication procedures, guidelines and policies ● Take the extra mile to engage customers Skills and Experience Required: ● Experience in providing customer service support, preferably in the financial services industry (min 2 years) ● Excellent knowledge of management methods and techniques ● Proficiency in English ● Ability to work 9-7 pm Indian Standard Time with the requisite devices to undertake the job (mobile, laptop) ● Working knowledge of customer service software, databases and tools (e.g. Exotel, Intercom, Freshdesk) ● Strong client-facing and communication skills, incl...
I'm seeking an expert to build a PowerBI solution, primarily for financial planning and analysis (FP&A). Key project requirements: - Robust Integration with our SQL database to pull the necessary data. - Proficiency in creating illustrative Charts and Tables in PowerBI, enhancing data interpretation. - The dashboard should effectively track and analyze the key metrics such as Revenue, Profit Margin, and Sales growth. Ideal freelancers applying for this project should have: - Demonstrable experience in PowerBI and SQL database integration. - Solid background in creating visually engaging dashboards, specifically using Charts and Tables. - A solid understanding of FP&A metrics. - Proven track record in delivering similar projects. Please submit your bid with releva...
I am in search of a professional who specializes in financial projection for securing funding. Your primary task would be to develop a cashflow analysis based on loan repayment amount for a product we are selling. Ideal Skills and Experience: -Business Finance -Financial Analysis -Financial Planning A strong background in discounted cash flow analysis will be highly appreciated because it is the specific financial analysis method we are interested in. This task requires precision and timely delivery. Therefore, an experienced freelancer who can work within our timeframe and come up with accurate projections will be selected for this project. Your input will greatly inform our decision-making process as we seek funding for our product.
...be paid $60aud FEE to be paid $60aud Key Requirements: - Comprehensive business plan: I'm looking for a detailed, well-structured, and strategic business plan that covers all aspects of an events management business. - Market analysis: The plan should include a thorough market analysis, identifying potential competitors, target audience, and market trends. - Financial planning: I need a professional who can create a detailed financial plan, including revenue projections, cost analysis, and potential funding sources. - Business strategy: The plan should outline a clear and realistic business strategy, including marketing and operational plans. Experience in the events management industry would be a strong advantage, as well as a proven track record in business plann...
I'm looking for a proficient developer with financial market experience to build an end-of-day screener for Indian stocks. The desired screener should: - Be based on two indicators: the moving average and the AYN, specifically the 89 days moving average and lux algo. - Screen all stocks without category filtration. - Provide the company name and current price for each stock in the screener results. - Generate and display buy or sell signals, and specify at what time these signals were generated by the indicator The ideal freelancer for this project should be knowledgeable about market indicators and have experience in financial software development, specifically screener design. Familiarity with the Indian stock market is a plus.
I require a MATLAB expert to assist in analyzing some financial data. Your skills in data analysis should be top-notch. While specific MATLAB toolboxes weren't mentioned, knowledge of Econometrics, Financial, and Statistics and Machine Learning toolboxes would be a huge plus. Understanding of financial data is imperative. Please provide evidence of similar projects you've worked on. Looking forward to seeing your proposals. The goal is to use Kalman filter to estimate the level of the water in the tank using the noisy measurements coming from the level sensor. Assume that the dynamics and the measurements are modeled by the following equations: ?(? + 1) = ? ?(?) + ? ?(?) + ?? ?(?) = ? ?(?) + ?? Here, ?(?) is the input to the system. In Kalman estimation we...
I need a seasoned consultant specialized in marketing, finance, and operations. The main objective is to increase my company's revenue, which has been hindered by inefficiencies in our sales conversion process. Ideal Skills: - Expertise in advancing sales conversion rates - Deep understanding of marketing strategies - Comprehensive knowledge of financial management - Solid understanding of business operations The suitable candidate should have a proven record in addressing similar challenges, and delivering effective solutions to progress revenue.
...experience in stock research or trading is required for this project, just a willingness to learn and a keen interest in the stock market. Key Responsibilities: - Data Collection: You'll be responsible for gathering relevant data on various US stocks. - Data Analysis: You'll help me analyze the data collected to draw insights. - Financial Modeling: If you have experience in this field or are interested in learning, you'll also be assisting in creating financial models for the stocks we're researching. The project requires fundamental analysis as well as technical analysis of stocks. You should be comfortable with both or eager to acquire knowledge in these areas. Good communication skills are a plus, as I'll be relying on you to provide regular ...
I am in need of a professional with experience in pro forma financial analysis. This task will involve utilizing historical financial data to formulate a comprehensive analysis. - Essential Skills: - In-depth understanding of cash flow analysis, balance sheet, and income statement - Ability to effectively merge and analyze historical data - Expertise in financial forecasting and evaluation Relevant proven experience in pro forma financial analysis is necessary for this project. Ideally, you have worked on creating financial analyses that inform business strategy and planning. Expediency and attention to detail are key to the job. Standard and custom financial metrics will be involved. If you are up for this challenge, I'd love to hear...
I am in need of a proficient desktop application developer who can create a comprehensive billing, invoicing and GST applicat...Keeping track of all product details. - Sales Transactions: Recording and storing every sales transaction made. Ideal Skills and Experience - Proficient in developing cross-platform desktop applications. - Experience in financial software development. - Strong understanding of billing, invoicing, and GST calculation functionalities. - Prior experience working with customer, product, and sales transaction data. Let's create a user-friendly application that makes billing, invoicing, and GST tracking a breeze. Your expertise in cross-platform development and understanding of financial software systems will ensure we get the best results. Looking...
I am looking for a professional to design a informative and comprehensive factsheet for a new Asset Managed Certificate. The factsheet must include: - Investment Strategy: Detailed specifics on the targeted markets, the types of assets included, and a cle...coherent and concise manner that is easily understood by potential investors. This factsheet is intended to be a dynamic document, updated on a monthly basis to reflect changes and developments in the investment strategy. Please provide a structured format that allows for easy monthly updates while maintaining accuracy and relevance of information. Ideal candidates would have experience in financial writing, investment funds and creating factsheets. I value clarity, precision, and a good understanding of investment terms and...
I need help from an experienced developer who can create an alert system tailored to my specific needs. The alert system should be designed to provide notifications of at least 5 SEC form 4's filed in a day for a single company. Information can be pulled from reliable sources like Alpha research ...website. Key Functionalities Needed: - Alert for Filing Date and Company Name. - Alerts via Email, SMS/Text Message, and Push Notifications. - A Daily Frequency of Alerts. Ideal Candidate Profile: - Prior experience in designing and developing alert systems. - Proficiency in handling APIs for pulling data, data extraction, and manipulation. - Familiarity with the SEC Form 4 and knowledge of financial terminologies. - Exceptional in timely communication and project executing withi...
I'm in need of a Linkedin advertising specialist to manage a lead generation campaign for our financial business. The primary objective of this advertising campaign is to generate high-quality leads from small business owners. Ideal Skills and Experience: - Demonstrated expertise in Linkedin advertising and campaign management - Prior experience in lead generation campaigns, especially for B2B or finance-related industries - A keen understanding of the audience and what messaging resonates with them - Proven track record of delivering successful campaigns by leveraging LinkedIn's ad tools and features We want a Linked in Advertising Expert for Linked In ads to promote the 2 products listed in the zip file We do not have much exp in creating the ads or best way to ...
I am looking for someone who is in the biomedical science area.
I'm seeking a keen mid-level financial planning analyst, skilled in personal financial planning software. Your primary tasks will involve: -Creating custom financial plans using our custom software - Focused on Retirement Income Projections You will leverage your experience in mid-level financial analysis and reporting to deliver insightful and actionable recommendations that will drive our business growth. Proficiency in personal financial software is a must. If you're detail-oriented, analytical, and passionate about financial planning, you could be our ideal candidate. Attached are samples of the deliverables we will be wanting you to create using our software. Plans consist of at least 2 models and usually take about 30 minutes...
I operate in the financial services industry and I'm seeking an experienced cold caller for appointment setting. - Target Audience: Your role will focus on reaching out to small-medium businesses. - Service Promotion: The goal is to promote our asset management services. Experience in financial services and a history of successful appointment settings with small businesses are needed. Proficiency in explaining complex financial services in a clear and engaging way will be beneficial.
...Moving Average as a filter. 4. Features: - Implement risk management, including the use of Stop Loss (SL). - Take into account the average price in favor of the trend and the second average price against the trend, as specified parameters. Note: The average price against the trend is only for the first entry, the following entries are in opposite directions; The exit must be the average price plus the take profit, in case there is a reentry, otherwise the exit is on the regular take profit. - Allow for the placement of pending orders or at market, as chosen by the user (myself). - Set the entry average price according to distance, multiplier, maximum lots, and in favor or against the trend. - Manage maximum drawdown to limit financial losses. 5. Development Platforms: -...
I already have a card - just want ideas to make it better. I will attach the files showing the current design. Use and improve this design or make something totally different and better. I felt like the way the name is displayed and the other info is good but just not top notch. I want this to look like a huge financial firm. I'm open to different ideas. Could be something completely different, but I do like the current design. I'm looking for a talented designer to create a professional and elegant business card. The card should include my name and job title, company logo, and contact details on the front, with a creative and unique design on the back. Key requirements: - Design an elegant and professional business card - Incorporate my name, job title, company l...
I'm in need of a skilled developer to create a robust fraud prevention system for the accounting sector. Key Requirements: - Preventing fraudulent activities: The system should be capable of effectively identifying and blocking potential fraudulent activities in the given context. - Industry-Specific Expertise: Prior experience in developing fraud prevention systems for the financial or accounting industry would be highly beneficial. - Compliance: The system must adhere to relevant regulations and standards in the accounting field. Ideal Skills: - Proven experience in developing fraud prevention systems, particularly in the finance/accounting sector. - Strong knowledge of security practices and techniques in the industry. - Effective communication skills to understand the spe...
I'm looking for a professional with expertise in creating ...business needs your support in securing funding for its growth. Key Deliverables and Expertise: - Creation of a robust pitch deck and investment profile. - In-depth company overview and background. - Thorough market analysis and potential identification. - Detailed financial projections and return on investment estimation. Ideal Skills and Experience: - Proficient in pitch deck creation and investment profile design. - Familiarity with real estate market and investment landscape. - Strong analytical and financial modeling skills. - Past experience with successful funding acquisition in real estate is a plus. If you're a strategic thinker with a knack for creating persuasive presentations,...
We are seeking a UK-based accountant, with proven expertise in preparing and submitting financials....submitting financials. The project involves handling the accounting and tax filings for Our UK company, which has fewer than 40 transactions for the full year. Key Requirements: - Profound experience in UK accounting and financial reporting - Capable of managing the accounting entries and tax filings efficiently - Thorough understanding of the UK financial regulations and tax codes - Excellent communication skills, particularly over the phone as the preferred mode of communication The ideal candidate will have a background in accounting and tax filing, and be well-versed in UK financial standards to ensure my company's financials are accurately prepared and comp...
Here is the custom offer for the literature review which you need in one day.
I am in need of a web developer to create a website for my finance company. The main purpose of the website will be to provide a platform for security analysis and charts on financial data. Key Features: - Real-time data updates: I need the platform to display real-time data updates to allow our clients to stay informed. - Interactive charts with zoom and pan functionality: The platform should have interactive charts with the ability to zoom in and out and pan. - Customizable indicators and overlays: Our clients should be able to customize the indicators and overlays on the charts based on their preferences. - Data entry by user: The platform should also allow users to input their own data, which can then be analyzed and displayed on the charts. - API integration - Database...
...solve the following problem ，and my website is wordpress . 1) Mismatched product price, price auto update Product variants have products with multiple prices. The high-priced feed price is different from the online store price. 1) Personal Hardships in personalized advertising Ads shouldn't target users in ways that exploit their difficulties or struggles (e.g. health content, negative financial status, relationship hardships, commission of a crime, abuse and trauma, imposing negativity)...
