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Wasteland 3 - Review Thread

Game Information

Game Title: Wasteland 3
Platforms:
Trailers:
Developer: inXile Entertainment
Publisher: Deep Silver
Review Aggregator:
OpenCritic - 84 average - 97% recommended - 39 reviews

Critic Reviews

33bits - Juanma F. Padilla - Spanish - 95 / 100
After the excellent Wasteland 2, we were excited to get our hands on the new installment, and we can say without fear that it has met expectations. Wasteland 3 is a sign of the love that InXile has for his work and Brian Fargo for the genre that has created a name for him. If you are a lover of the saga or the genre, do not hesitate to enjoy it.
ACG - Jeremy Penter - Buy

Video Review - Quote not available

Attack of the Fanboy - Diego Perez - 4.5 / 5 stars
Wasteland 3 is one of the best RPGs I've played in years, and it's one you absolutely should not skip.
CGMagazine - Lane Martin - 9 / 10
Wasteland 3 is a lovely return to the post nuclear apocalypse with fun gameplay and interesting choices at its forefront, though at times it can be a bit clumsy in its implementation.
COGconnected - Tony Bae - 90 / 100
Wasteland 3 doesn’t pull any punches with its subject matter in sexuality, violence, and language. But if you are fine with that, I would highly recommend you give Wasteland 3 a shot, especially if you were (or still are) a Fallout fan.
Cerealkillerz - Julian Bieder - German - 8.8 / 10
On Paper Wasteland 3 sounds like the perfect RPG-Dream but the execution leaves much to be desired. Bugs, Glitches and graphics that doesn't really represent a game that releases and the end of this console generation are a bit of a letdown. Everything else from the great story, entertaining NPCs, solid battle system, clever leveldesign over to the love for details is amazing, besides some flaws that should soon be fixed, as inXile and Brian Fargo promise. Everyone that wasn't happy with the latest Fallout Games will surely love Wasteland 3.
Chicas Gamers - Adrián de Francisco - Spanish - Unscored
Wasteland 3 is a old-school role-playing game, with a compelling story, a combat system that promises but is not groundbreaking and some funny moments and black mood, which always remind us that we are in a post apocalyptic world, but with a smile. Don't forget the powerful character editor, rhythm voices, and the beautiful scenery that puts you in that atmosphere of cold and snowy Colorado.
Cram-Gaming - Robert Cram - 8.5 / 10
Wasteland 3 can be a bit of slog if you're gunning for marathon gaming sessions with it at the helm. Combat, whilst exciting initially can fall into the traps of repetition. A little more variety could have negated some of the repeated player actions. That said, the story is compelling and the characters an interesting assortment of misfit survivors, although perhaps fitting post-apocalyptic stereotypes. It's a fun, easy to play game overall though that should well-please fans of the series and keep players entertained for quite some time with its high replay-value. However, aside from some bugs here and there, the impressive amount of voice-work on offer, the character building is the best part of the experience where you can really nurture your ranger squad in this snowy post-apocalyptic world.
Digital Trends - Tom Caswell - 4 / 5 stars
Wasteland 3 is a rewarding game that offers unprecedented choice and is a great jumping on point for new players.
DualShockers - Kris Cornelisse - 9 / 10
Improving on its predecessor in almost every way, Wasteland 3 is one of the best and most reactive RPGs I've played in a long time.
EGM - Mollie L Patterson - Unscored
At least in my time with it, Wasteland 3 has been a fascinating experience. I’ve come to appreciate its depth of gameplay, character, building, and exploration, even if some of its pieces and parts still feel very foreign to me.
Entertainium - Eduardo Rebouças - Unscored
I will be even happier with Wasteland 3 once it’s patched and most of the bugs that bit me end up getting squashed. Even in its current state I’m having a grand ol’ time bringing some justice to the cold depths where no Ranger has dared to before. But for as much of a blast as I’m having out northeast in the cold, I hope I can make it back to sunny Arizona in time to save my fellow lawmen!
Eurogamer - Wesley Yin-Poole - Recommended
inXile's old-school RPG is the Fallout game we've been craving.
Fextralife - Castielle - 8.3 / 10
Wasteland 3 is a throwback to the old School RPGs of yesteryear, while providing a new combat experience and a bigger world. Players that liked previous Fallout Games, or games like Wasteland 2 or Baldur's Gate will feel right at home with this title, and will have the opportunity to try X-Com like combat. For the amount of content provided, 60 USD is a very good price, and fans of the genre should get more than their money's worth.
GAMES.CH - Nedžad Hurabašić - German - 83 / 100
Wasteland 3 is absolutely worth the money - the RPG brings dozens of hours of fun gameplay to the table. A must-buy for roleplayers.
Game Revolution - Jason Faulkner - 4 / 5 stars
Wasteland 3 is a marvel of a game, especially from a small studio like inExile. It’s not without its flaws, but the excellent writing and enthralling world overshadow those.
GameSkinny - Daniel Hollis - 9 / 10 stars
Wasteland 3 invokes feelings of classic RPGs such as Fallout and manages to nail the feel and tone perfectly in a modernized setting.
GameWatcher - Marcello Perricone - 8.5 / 10
A fantastic RPG that superbly mixes player choice and great combat to something bigger than the sum of its parts.
GamesRadar+ - Andrew King - 4 / 5 stars
Wasteland 3 doesn't bring much new to the table, both as a CRPG and as a piece of post-apocalyptic fiction. But, it's a terrifically executed role-playing game that rewards player investment from beginning to end.
GamingBolt - Ravi Sinha - 9 / 10
Wasteland 3 is a heady crescendo of post-apocalyptic story-telling. Its combat is compelling and fun while its characters and overall plot are engrossing, even when it goes to some dark places. A must-play for tactical RPG fans.
Gert Lush Gaming - Jim Smale - 9 / 10
Wasteland 3 is the defacto strategy experience and one that every gamer owes themself the pleasure of playing.
God is a Geek - Mick Fraser - 9.5 / 10
Wasteland 3 is a huge undertaking, marrying deep, choice-driven role play with fast-paced tactical combat and vast areas to explore.
IGN Spain - Álex Pareja - Spanish - 8 / 10
Wasteland 3 knows how to open to new players keeping the old school essence. It's not a revolution on the genre or in the post apocaliptic proposal, but it won't matter to the franchise lovers.
Niche Gamer - Cwb - 3.5 / 10
We’ll update this review if the game is fixed, and the issues outlined are fixed or at least addressed; and then I’ll pick it back up. As it stands now, I’ll be playing something else that isn’t as apt to crash. Buyer beware.
PC Gamer - Jody Macgregor - 84 / 100
A wilfully strange setting explored through a predictable but enjoyable old school RPG thats been streamlined just enough.
PC Invasion - Jason Rodriguez - 8.5 / 10
There are a few misgivings related to Wasteland 3's technical aspects, mechanics, and overall challenge. However, its cast of characters (both old and new), the switch to a traditional turn-based combat system, and branching paths filled with decisions and dire consequences make for a superb journey with the Desert Rangers.
PCGamesN - Gina Lees - 9 / 10
Lurid characters, a deep RPG system, and captivating combat set in an unhinged apocalypse - inXile Entertainment's latest shouldn't be missed.
Player2.net.au - Matt Hewson - A or higher
With a focus on freedom of choice that is second-to-none, Wasteland 3 has set the benchmark for CRPG narratives, all the while being supported by wonderfully engaging gameplay and roleplaying mechanics.
PowerUp! - Leo Stevenson - 9.7 / 10
If you’re an RPG fan, a Fallout fan or even just a videogame fan, do yourself a favour and play one of this year’s very best games; Wasteland 3.
Saving Content - Scott Ellison II - 5 / 5 stars
It took me a while to realize how much these interactions, whether it be the interpersonal conversation or combat encounters themselves, stuck with me. Wasteland 3 has rules, but they only exist for you to bend them. With limitless character creation combinations, branching dialogue choices that affect what quests you do or don’t experience, and multiple endings, Wasteland 3 is an expanse of content and opportunity. The change in locale does wonders, no longer relying on a tired post-apocalyptic biome. Wasteland 3 has a wonderful backdrop in Colorado’s frozen wastes, making it the perfect place to spend a nuclear winter.
Screen Rant - Christopher Teuton - 4 / 5 stars
Wasteland 3 takes players to a new location and presents them with equally unfamiliar challenges, yet still perfectly demonstrates all of the reasons why this series has had die-hard fans for over three decades, and is absolutely worth playing for anyone looking for their next post-apocalyptic fix.
Shacknews - Josh Hawkins - 9 / 10
If you’re a big fan of the original Wasteland games, or just an RPG fan in general, then I highly recommend picking up Wasteland 3 and giving it a try.
Spaziogames - Paolo Sirio - Italian - 8.3 / 10
Wasteland 3 doesn't change its predecessor's successful formula but, outside of certain design limitations, it perfects and modernizes it. It's easily the best game in the franchise, in terms of pure technique, and one that clearly gives you an idea of what inXile is able to achieve.
The Games Machine - Danilo Dellafrana - Italian - 8.7 / 10
Wasteland 3 is a good role-playing game, technically passable but enriched by a dense network of intriguing subplots that will push the most dedicated to play it several times. Watch out for the ever-present release bugs, though – best to wait a couple patches if you want to avoid unnecessary hurdles.
TrustedReviews - Alastair Stevenson - 4 / 5 stars
Wasteland 3 is a solid tactical RPG that will keep fans of the genre entertained for hours upon hours. But it doesn't do enough to bring the genre forward to a mainstream audience.
WayTooManyGames - Thomas Medina - 9 / 10
All in all, this is the game I wanted so badly for Wasteland 2 to be. It doesn’t just repeat what came before, but expands upon it all. Not just mechanically, but story wise as well.
Wccftech - Francesco De Meo - 9 / 10
Wasteland 3 features everything only the best role-playing games do: an engaging story powered by excellent writing, compelling characters, tons of customization options, and a deep tactical combat system that feels fresh even after dozens of hours. But, most of all, it features a living world that reacts to what the player does, and changes depending on how the player decides to deal with the troubles ahead, providing a role-playing experience of the highest degree, one that very few games can boast of.
Windows Central - Jez Corden - 5 / 5 stars
Wasteland 3 is a testament to the power of the branching narrative, taking it far beyond binary choices and into a grand canopy of cause and effect. It gives the wintry climbs of Colorado a lifelike quality that must have been painstaking to build. The most impressive RPG in years, Wasteland 3 is a masterpiece.
XboxEra - Jesse Norris - 9.7 / 10
Wasteland 3 shines with clear dedication to crafting the best game its genre has ever seen. Excellent visuals are matched by top notch voice work and some of the best and most natural writing I have seen in a video game not made by Naughty Dog. The combat is a brutal dance where one wrong move can spell disaster, but victory is an exhilarating rush that never becomes old. Wasteland 3 cements inXile as one of the best in the business in the RPG genre and affirms that Xbox has something truly special on their hands.
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Sympathy for the Drow - De-Vilifying the Dark Elves

The "Evil" races in DnD have always rubbed me kinda the wrong way. Partly once I learned that a lot of them come from racist stereotypes (Orcs, Drow, and Goblins in particular) and also just because it doesn't make sense to me. Even Nazi Germany had variation and dissenters and it only lasted for 12 years. Why would a clearly evil society never change over hundreds of years? In my opinion, a story is only as good as it's villains. So, I've set out to try and make the traditionally evil races slightly more believable and even sympathetic in places.
Now, I've not been a DM very long, only like three years. But the first campaign I ever ran was through Curse of Strahd which paints the Vistani (an itinerant society heavily based on the real world Romani) as a conniving group of thieves, murders, and vampire-worshipers. Thankfully, I found through reddit and other sites how to steer away from the racists depictions of the Vistani and making them seem like, at worst, opportunists. So, I hope to be able to do that with some other of the classic DnD antagonist races.
I've read some other phenomenal post on here about evil races that totally inspired me as well. There's a great two part post about Decolonizing D&D which I adore. The post about alignment is easily my favorite. There's a couple great ones on Orcs and Yuan-Ti too so if some of my ideas are lifted from them, I hope y'all consider it flattery instead of theft. So, here are some primer notes before I get into it.
For creating the Dark Elves, I tried to keep as much as I could from the books. Obviously some stuff has to get thrown out the window though. I also tried to standardize calling them Dark Elves instead of Drow partly because I feel like Drow has a much nastier sound to it and calling them Dark Elves follows the naming convention with the High and Wood Elves. I tried to model them after real-life matriarchal societies like the Mosuo people of China and their pantheon after real deities like the Greeks, Romans, and Norse. I also quickly realized that building a society is inseparable from geography. Where a people are from effects their language, values, mythology, history, and family structure. I've tried to outline details I think are necessary to making this society realistic while leaving it open ended enough to be place-able in different worlds with relative ease. All that aside, lets get into the meat of it.

The Dark Elves: Elven Outcasts

The Elves are a varied and magical people that come from many planes and many environments within them. But none are met with more distrust and fear than the Dark Elves. Easily set apart from their cousins by their charcoal or pitch-black skin, pink-red eyes, hair of grays and whites, and shorter stature, these people have earned a reputation as killers, thieves, demon worshipers, and liars. But history is a cruel mistress, something the Dark Elves know better than most.

The Divine Divide

As the legends go, when the world was still young, Corellon Larethian lived on the Plane of Arvandor with his fellow Primal Elves. They were wild and mutable, emotional and free in all things. They changed shapes at will, gave and took freely to and from the world, and never stayed in any location too long. They wandered to and fro, scattering their peoples across almost every plane. However, this unbridled freedom was not without a price. Arguments, feuds, and small scale wars were incredibly common between them. Some elves would find themselves stranded on far off planes after most of their companions impulsively decided to leave. Their self serving impulses drove them to often completely disregard the needs or wants of others if they went against their own desires. And their reckless revelry was wreaking havoc on the natural world with Elven parties decimating whole planes of edible plants, wild game, and drinkable water.
One such Primal Elf began to see the destruction of their ways and talked to other elves about their actions. Slowly, this Elf by the name of Lolth amassed a small following of devotees that saw the negative ramifications of their inconsiderate freedom. Lolth and her followers agreed to take on fixed forms to show recognition of the dangers that impulsivity could bring. Lolth led this small group of devotees to Corellon to ask for his support. Now, Corellon did not lead these Primal Elves: he was just as wild as the best of them and did not take kindly to others telling him what to do. But he was the First Elf ever born and was universally respected amongst the Primal Elves and if Lolth could convince him, others would surely follow. Corellon listened to her proposition and agreed that they should change to prevent more destruction and conflict, but refused to order his kinsfolk into any action. He was an Elf, same as all of them, and he wouldn’t dare order around his family. He balked when Lolth asked him to take a concrete form as a show of solidarity and brushed her off as a killjoy.
Lolth was unsatisfied with this outcome and her following set out to convince each Elf to change their ways to preserve the beauty of the worlds. However, without the support of Corellon, many elves refused her offer. Her anger grew with each failure and her opinion of Corellon turned sour, something she made no attempt to hide from her Elven siblings. Now, Corellon is a proud god and once he caught wind that Lolth was bad mouthing him in an attempt to win over others, he became enraged. He railed against Lolth calling her a snake-tongued thief and Lolth called him incompetent and cruel. Their tempers flared and all the elves chose sides between Corellon’s freedom and Lolth’s stability. During this great debate, the Primal Elves turned to violence. The Dark Elves maintain that Corellon’s side threw the first blow, while the High Elves claim that it came from Lolth’s side.
No matter the source, this violent outburst soured relations between Lolth and Corellon forever after. He cast her and her followers out of Arvandor and barred her from ever returning. He also cast all but his most trusted kin from Arvandor, forcing them all to live lives on other worlds out of fear of another perceived insurrection. Thus, the Seldarine remain in Arvandor to judge the souls of Corellon’s faithful when they die and Lolth takes refuge in Arcadia with her pantheon where she minds the souls of the Drow. Corellon’s faithful call her pantheon the Dark Seldarine, while her faithful call it the Myrkalfar.

Myrkalfar: The Spider Mother’s House

Lolth the Spider Queen is the unquestioned head of the Myrkalfar, with all other deities seen as her divine family. Lolth is considered at times to be fickle or even cruel, but her ire is never gained without good reason. A very involved deity, her followers constantly search for signs of her favor or scorn in everyday life. When a Dark Elf contemplates a risky or controversial decision, they consult priestesses or perform their own rites which often gives them direct and succinct answers. She serves as an example to matriarchs of Drow families as demanding yet understanding, punishing yet guiding. She asks for a lot of her priestesses, demanding they be an unflinching example of everything a strong leader should be. The Myrkalfar is often presented as a divine household, with Lolth as the matron.
Keptolo is the consort of Lolth and considered to be the ideal of what a male should be. Beautiful and kind, strong and hard working, he helps Lolth in everything she does. Sometimes he serves as a messenger, other times as an agent of redemption, sometimes as a divine healer. When a Dark Elf is tasked with a divine charge, he is usually the one to deliver the message and guide them through their charge. He serves also as a fertility deity and is often worshiped by women or men seeking a child. Outsiders see him as a weak and subservient husband to Lolth, but his faithfulness to his matron is considered a virtue and his status as a “husband” is relatively alien to the Dark Elves as they have no binding marriage in their society.
If Keptolo is the agent of Lolth’s mercy, Kiaransalee is the agent of her vengeance. She is the eldest daughter of Lolth and Keptolo and one that Dark Elves pray to when they feel wronged. Only the most binding and serious contracts are signed under her name. To break an oath made under her name is sure to bring destruction. She is also the governor of the dead, judging the souls of those passed in the afterlife. She opposes the mindless undead created by mortals, but spirits and revenants that return to finish unresolved business amongst the living are considered under her protection. Should a Dark Elf encounter a returned spirit that is seeking vengeance, it’s their duty to leave them on their way and pray that the spirit isn’t there for them. This reverence of certain undead is something many outsiders consider downright evil.
Selvetarm is the Dark Elven warrior goddess and youngest daughter of Lolth. Often depicted with eight arms, she represents the pinnacle of hand to hand martial prowess, but often is without restraint. She serves as both an inspiration for warriors, and a warning. Vhaeraun is the eldest son of Lolth and governs ambition and stealth. Both of these traits are not necessarily vilified, but worship of him is highly scrutinized. Haughty and rash, tales of him often include deceiving his fellow gods for good and ill and more often than not are cautionary ones. He’s depicted as wearing a mask, either as some punishment for endangering Lolth and her family or to hide his identity for various schemes, possibly both.
Malyk is Lolth’s youngest son and a youthful deity of change and growth. He’s often seen as a bouncing young boy that Lolth and her family have to reign in from wild misadventures. His freedom and curiosity is often seen as a double edged sword, both gaining him great riches but also putting him in tremendous peril. He has strong ties to sorcerers and when a child is born with innate magical talent, he is often the one thanked for it. He serves as an outlet for a Dark Elves youthful chaotic nature, but also warns them of the ramifications of their actions.
Ghaunadur is a strange figure in the pantheon. Their place in the family is a bit of a mystery, sometimes called the sibling of Lolth, or her child, or even as Lolth’s parent. What makes them truly unique is that they are a formless deity, something that Lolth once warred with Corellon over. The legends go that when Ghaunadur joined Lolth, they refused to give up their changeable nature. When questioned, Ghaunadur pointed to the slimes, oozes, and formless creatures of the world and said that they wished to protect them from the Elves and the Elves from them. Lolth agreed, cementing their position as the deity of the changing forms of nature. Their favored creature is the ooze, but they govern all natural creatures. Dark Elves often pray to Ghaunadur to protect them from the creatures that lurk in the depths of the forest.
Zinzerena is Lolth’s sister and is the goddess of poisons, illusions, and magic. Viewed as an elderly and patient figure, she often serves as council to Lolth in desperate times. She’s said to be the mother of all poisons and venoms and her teachings are all about finding the wisest solution to a problem. Zinzerena teaches that even though the spider is small, it’s bite can still fell a panther. Despite her perceived age, she’s considered the younger sister of Lolth and is thought to be incredibly quick and nimble: a reminder that not everything is as it seems.
Eilistraee is Lolth’s niece and daughter of Zinzerena. Considered the black sheep of the pantheon, she serves as a goddess of redemption and moonlight. Dark Elves that turn their back on their family or scorn traditions will sometimes find themselves turned to Driders, half-spider half-Dark Elf creatures shunned by all. Eilistraee is said to watch over these creatures and if they are repentant, offer them challenges that they could complete to redeem themselves. Lolth often views her with contempt or mistrust, but never hates her and maintains her place in the pantheon. Dark Elven faithful rarely worship her as the others. She’s also one of the only deities of the Myrkalfar to claim no animosity toward the Seldarine and their faithful.
Spiders are the sacred animal of Lolth and are often used as an example of social order and the importance of family bonds. Each strand of silk serves the web as whole. More literally, the giant spiders of the Underdark are multifaceted and incredibly useful creatures. Serving as beasts of burden, war steeds, meat producers, household guardians, and silk producers, they are present in almost every facet of society. Their silks are used in everything from wound dressings to armor to architecture. To kill or steal another family's spider is considered akin to stealing a member of the family. Smaller and more poisonous spiders are often kept in temples and their webs are used as divining tools for priestesses.

Elven Exiles

The recorded history of the Dark Elves is full of contradictions from High Elf and Dark Elf sources. What historians can agree on is when the Elves of the Prime Material arrived, the followers of Lolth secluded from their Wood and High cousins and retreated into the Azelarien, also known as the Green Sea in Common. A massive forest, nearly 1 million square miles of dense and vibrant trees, that grows denser and darker the farther in one ventures. For countless eons, the High, Wood, and Dark Elves lived in relative harmony in their own corner of the world. High Elves lived near the forests in towns and villages, the Wood Elves lived in the lightly forested outlands of the Green Sea, and the Dark Elves lived deep in the central forests which was so dense that very little light reached the forest floor.
As time passed and their villages turned to cities, the High Elves began expanding into the forest, chopping some down to build homes and heat their furnaces. This began pushing into the territory of the Wood Elves and eventually the Dark Elves as well. These two peoples formed a shaky alliance to push back the expansive tide of the far larger High Elven armies. This alliance proved successful however and the High Elven forces began losing ground. What happened next is a matter of some debate. High Elven historians attest that the Dark Elven armies used Wood Elven soldiers as unwitting bait to lure the High Elven armies into a trap, thus causing a schism between them. Dark Elven historians state that the Wood Elven armies turned on them after the Wood Elves met in secret with High Elven leaders and bargained for their independence. Some Wood Elven historians claim that after a brutal defeat on the field, they were met by High Elven dignitaries that offered them clemency if they turned on their allies. They initially refused, but after the dignitaries threatened to make the same offer to the Dark Elves, they had no choice but to accept. No matter the cause, the histories agree that the Wood Elves turned on their erstwhile allies and helped push the Dark Elves into a rapid loss of ground.
Facing the might of the two armies with their own relatively small one, the Dark Elves were beaten into a hasty retreat into their own territory. Losing every open encounter, the Dark Elf matrons developed a new strategy of combat. The armies switched from training as many as quickly as they could, to training only a select few in multiple different forms of combat and magic. As the High and Wood Elves advanced into their territory, they quickly found their supply lines cut out from under them, their soldiers ambushed while sleeping, their scouts captured, and their leaders assassinated. And even if they would make it to a Dark Elf settlement, they would find it abandoned and booby-trapped, warned by their fast and silent scouts. If the Dark Elves couldn’t face their enemies head-on, they would weaken them with quick and decisive strikes.
Eventually, the war ground to a stalemate. The High Elves couldn’t push into the Dark Elf territory far enough to capture any cities of note without taking severe casualties and the Dark Elves were only managing to hold the invading armies back and couldn’t muster a force strong enough to push back to the enemy capital. Thus, the war cooled into a tense peace. The leaders came together to draw borders, but neither side fully forgave nor forgot one another’s actions. High and Wood Elves viewed the change in tactics by the Dark Elves as an unethical violation of the standards of war. The Dark Elves felt a particular animosity toward the Wood Elves, considering them backstabbers in their darkest hour.

Dark Elf Families: Matrons of Order

The Dark Elf society, to an outsider, looks like an oppressive and cruel society of slave traders and backstabbers. But the truth is more subtle. The Dark Elves value tradition and filial piety above almost all else. To a Dark Elven citizen, their family name is their most valuable possession and they are taught from a very young age that to look after their parents and their younger siblings is the highest virtue. Ancestors that have achieved great things often have shrines in a household alongside the gods themselves. A Dark Elf going against the will of their family is considered one of the highest taboos and often causes them to be outcast from Dark Elven society as a whole. Dark Elf society is matrilineal meaning that the eldest woman in each family is revered as the household leader and receives great respect from her family and society. This also means that the males of the society don’t inherit wealth as frequently as the females.
Dark Elven families are quite large, often with multiple generations along with aunts, uncles, and cousins living in the same household. New children almost always reside with their mother. Males of the society are expected to care not for their own biological children, but for the children born to their sisters, aunts, or nieces. This results in a striking amount of sexual freedom for both men and women, but is often viewed from the outside as promiscuity. The Dark Elves do not marry in the traditional sense, instead favoring long term partners with one another that can end at any time with no concerns to material wealth or ownership.
However, to become a member of a Dark Elf family is not entirely a matter of heritage. When a family that cannot support another child has one, they are often adopted by more well to do families and raised as one of their own. These adopted children are considered just as legitimate as if they were born into the family. Also, should a family lose all their heirs or become destitute, they often ask to become assimilated into other families for their own safety. The latter is considered a morose ceremony as the members of the smaller family forsake their surnames. To take in such a family is both an extreme honor and grim burden, as it means ending another family's line.
The borders of Dark Elven civilization only goes so far as there are trees so many newer up and coming families have expanded underground, a difficult and slow endeavor. This has put multiple houses at odds with one another for territory. However, Dark Elves do not tolerate open hostility between families as they have a very strong sense of collective identity. Dark Elves do not war against fellow Dark Elves, same as a spider does not fight its own web. This leads to many tensions and conflicts needing to be resolved in other ways. Most families will attempt a diplomatic solution, but when that isn’t an option, sabotage and coercion is the favored outlet. Murder is considered a bridge too far by most houses, but subterfuge in almost every other facet is, while not accepted, tolerated.
Legends of Lolth’s rebellion and the tension of their enclosed territory have imbued the Dark Elves with a strong sense of symbiosis with nature and conservancy. Sustainable living is the cornerstone of Dark Elf society. In the wild, no creature is killed or plant destroyed unless it’s a matter of self defense or necessary to survival.

Dark Elven Sex and Gender

As with many Elven peoples, sexuality is seen as a fluid and non-binary matter. Same sex relationships are usually seen as just as acceptable as male-female relationships. Since Dark Elves have no marriage structure, same sex life partners are common and widely accepted. Inheritance is passed along by the family as a whole, not linearly, meaning some houses may have matrons with no direct biological descendants while still serving at the elder matron. Power dynamics in relationships are still a factor, with the elder female in a gay relationship considered slightly above their partner socially and is seen as the inheritor in cases of property or genealogy. Male same sex relationships are accepted with little controversy. Since children are passed down their mothers line, the males have no social obligation to sire an heir as with other societies.
Transgender and transexual Dark Elves are met with slightly more controversy. Lolth’s rejection of the Primal Elves mutable forms is sometimes cited against transgender and transexual Dark Elves. Ghaunadur, however, is considered the patron god of these people and teaches that just as they are part of nature, they can change their forms. Many of these people join the religious order of Ghaunadur, serving in various roles both in religious ceremonies and as forest guides. Some even consider them to be blessed by Ghaunadur and are highly sought after in forays into the forests for protection. Children born to transgender Dark Elves are still expected to be a part of their eldest mother’s family or eldest father if no woman is part of the union.

Slavery Amongst the Dark Elves

While the Dark Elves do take slaves, their slavery doesn’t look the same as many other societies. When a family becomes indebted to another and they cannot pay off the debt, a member of their family, usually male, will be sent to work for the owed family. They give him room and board and are expected to care for him as if he were one of their own. He’ll work for them for an agreed upon amount of time before returning to his native family. Injury or misuse of this person is often grounds for them to leave and the debt to be nullified. Children born to servant fathers needn’t worry about inheriting their father’s status since they’re considered to be their mother’s child. On the rare occasion that a female servant has a child while in servitude, the child is returned to the mother’s family to be raised by her family while she works off the remaining debt. Some trade of servants does occur between houses, with indentured servants being traded for goods or services or even other servants of special skills, but the family of the servant reserves the right to veto such a trade for any reason.
During their frequent clashes with external armies, the Dark Elves do sometimes take prisoners of war, though very rarely are they used for slave labor. They never bring them back to major settlements, often keeping them on the outskirts of their territory to prevent them from learning critical knowledge of their territory. Most prisoners are held as bargaining chips to be traded for passage, supplies, or captured Dark Elves. Captured military leaders are sometimes brought to Dark Elven cities to be tried for their crimes against their people.

Dark Elven Government: Independent Houses

Unlike many other cultures, the Dark Elves lack a centralized government. Societal etiquette govern the standard for how certain crimes and disagreements should be handled, but each family unit acts as its own governing body. Disagreements within families are thus resolved internally. Inter-family disputes are resolved in multiple different ways. Most often, the two matrons of the family will meet and agree on terms to fairly compensate both sides. In cases when these talks deteriorate, the High Priestess of Lolth is often called to serve as the mediator and serves as the ruling body between disputes. Her rulings are final and indisputable, as she is considered the mouthpiece of Lolth’s will.
In times of crisis, historically the many houses of the Dark Elves have convened to discuss threats to all of Dark Elven society. This is uncommon as it’s difficult logistically to gather all the matrons in the same place at the same time, so often houses are represented by either the second eldest woman of the family or the eldest daughter of the matron. The High Priestess of Lolth often resides over these meetings as an arbiter in the event of split decisions or in delivering guidance from Lolth herself.

There's my take on the Dark Elves. Any comments, suggestions, questions, outrages, and critiques are welcomed. This is my first comprehensive look at a whole race so if I've missed things, I'll try and patch them up. I'd like to do similar things for Orcs, Goblinoids, Kobolds, and others so those might be seen soon. Thanks!
submitted by Lerad to DnDBehindTheScreen [link] [comments]

Student Loan Default: The Guide (ReUploaded)

NOTE: I'm pasting this guide from where I originally found it, over on Studentloandefaulters. It was originally pasted there from someone who found it after the original was deleted.

Student Loan Default: The Guide (reuploaded)

📷
The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...
Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface.
Definitions:
Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out.
Shills: People who are paid to prevent the spread of student loan default information
Statute of Limitations: The number of years your state requires before a debt can no longer be collected.
Cosigner: The poor person who is just as legally required to pay your loans as you are
Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about $100,000 a year in another country and report their US taxes as 0.
Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.
Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.
Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount
Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans
Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt
Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt
Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.
Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable
Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.
Forbearance: A period where you do not have to pay your student loans, but interest accrues.
Deferment: A period where you do not have to pay your student loans, but interest does not accrue.
Credit Score: A number that tells people how responsible of a borrower you are.
Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000.
Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb.
Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change.
A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets.
Strategy
Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies.
Tactics
Paying Your Loans: [low risk] In the rare chance you have anywhere between $1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/
Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below.
Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it.
Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history.
Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than $100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/
Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix
Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.
Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?
Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.
Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/
Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.
Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf
Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.
submitted by I_Ride_A_Nimbus to StudentLoanEscape [link] [comments]

I fucking hate the term "pcmasterrace." [NAW]

Yep that's right. I hate that term. For obvious reasons and not so obvious reasons.
Obvious reasons:
Anything "master race" belongs in the trash of cultural discourse. After everything that's been going on for the past 90 years (back to the very idea of an "ubermensch" by Nieztche which was then perverted and corrupted by the Nazis (I can already feel the collective awakened hatred by all you fucking pcmasterrace Nazis)) to the political and civil uprisings we saw in 2017-2020, the rise of fascism in the United States, the fucking PROUD BOYS (Proud Nazis more like it) it seems the vast majority of people don't even think twice about this term. Fuck the term PCMasterRace, even if it is tongue-in-cheek. IDGAF The term should be abolished.
Not so obvious reasons:
First of all, PCs are NOT the master race. If anything, consoles are. Consoles are the superior gaming platform (and I say this as a PC gaming enthusiast whose last console was the PS2 and the Nintendo DS). However, I still believe PC gaming let's niche enthusiasts have a more immersive gameplay experience (namely VR and flight simulation, and all simulations in general). The only other games available for PC that are not available for consoles would be real time strategy games, since ARPGS like Diablo and its clones (isometric tactical rpgs) (a typical PC only genre) made the jump to consoles YEARS ago. Even things like Final Fantasy tactics have a long history in gaming. See also Front Mission, Fire Emblem, etc.
And again, as far as actual gaming goes, consoles are vastly superior. And not any one specifically, all of them. New, next-gen consoles are always about about 10x less expensive than their high-end PC gaming equivalents. In other words, modern high-end PCs are usually OVERKILL for the next gen-games. And they cost a shitload ($2000-$3000 easy for a high end rig, and upwards of $10,000 for top top top of the line......fucking overkill just to play the newest Tomb Raider lol) And if you're on a budget and can only spend $500-$800 on a gaming rig, that's still 1.5x - 2x more expensive than a typical next-gen console.
And also, I believe there are lot of fucking salty racists and "supremacists" in the PC gaming community. You fucking snowflakes get triggered when a brown person shows off a nice rig in the PC gaming subreddits, and the most recent post about Representative Ilhan Omar just further proves my point. You guys are pathetic. Every fucking post is locked that doesn't cater to the "ideal" image of "pcmasterrace" culture, it's disgusting.
There are so many examples of the toxicity in the PC gaming community I would have to spend hours researching examples of players being triggered because a developer decided to include a gay character in the storyline, or a black main protagonist (how many games can you think of with main black characters? besides Miles Davis as Spiderman), or when developers give players the option to choose a non-binary gender and their own sexuality during character creation.
While other gaming communities typically embrace these changes (Nintendo has always been pretty wholesome, as well as anything coming from Japan) the PC gaming industry has been slow to change.
So that's it that's my rant. Fuck the term "PCMasterRace." I know nothing is going to change, but I had to get this off my chest.
Quick Edit: I just want to point out that obviously not everyone in the PC gaming community is a racist white-supremacist shitstain, I've met some genuinely nice and wholesome members through years of gaming, this post was a rant at the obvious "eugenics" based reference that is the misnomer "pcmasterrace."
submitted by IntheDesertoftheReal to offmychest [link] [comments]

Binary Options Recovery: Scammed Traders, Fake Brokers, and Funds Recovery

Binary Options Recovery: Scammed Traders, Fake Brokers, and Funds Recovery
Following the “permanent temporary” measures against binary options and CFDs (contract for difference), the body in charge implements its own set of limitations that simply forbids regulated houses to offer such product in the UK, hence increasing the risk of pushing retails traders towards illegal brokers and outright scams. Fortunately, a new solution is now available to UK traders via a new United Kingdom Financial regulatory ruling.
More scrutiny from UK banks about financial transactions, even to binary optionsIn short, banks will have to take more responsibility about the financial transactions they facilitate. This new ruling should lead to the creation of a new code of conduct that will help defrauded people to have their funds recovered by their bank, unless it is proven they acted recklessly.
As a popular Financial blog puts, it, “It is likely that should a bank or credit card company be either impersonated by a fraudster in order to gain money, or trick a client into depositing, and the bank allows the transfer, a client will be able to take recourse.
The broad protection should kick for many online scheme and scams, whether it is fake investment companies, fraudulent binary options brokers or those scammers who promise to help you recover your stolen funds…only to steal from you once again. On the other hands, it means the banks will be more likely to forbid transactions to legit businesses, such as reputable cryptocurrency exchanges or honest smart options platforms.
The regulating bodies and financial institutions are taking a number of measures to prevent financial fraud. Binary options trading, in particular, is being controlled with a greater degree of robustness to protect the unwary general public being drawn into a situation where they suffer financial losses. Many hundreds of people around the world are targeted each day.
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Frequently they are novice investors who are unfamiliar with the markets and do not recognize that the so-called trading platform and its way of working are actually bogus. The individual only realizes the extent of the fraud when eventually when the fraudsters finally decide that there is no more money to be had and shut down the account and promptly vanish without trace.
Spotting Fraudulent Binary Options Broker
Some lawyers in the financial fraud division are very familiar with the pattern of behaviour demonstrated by the fraudulent brokers and the distress caused by their dealings with inexperienced investors. There is a track of record of recovery in relation to financial fraud and has a number of strategies and tactics to compel the fraudulent broker or associated financial service providers to restore funds to those who have been deceived.
Needless to say, the fraudsters are accomplished at hiding their tracks and frequently there are myriad inter-connected limited liability companies, often some are registered in different countries, with some dormant and some active. It is hardly surprising if the complexity of the situation results in a failure to discover a single person who can be challenged and held accountable.
However, there are various channels financial fraud lawyers use when attempting to retrieve money for clients and each avenue is investigated. Whilst an individual may be alarmed and confused at the prospect of navigating through the complex structures that have been deliberately set up to confuse, Financial fraud lawyers are usually quite familiar with strategies fraudsters use, and frequently can steer a course to the recovery of some or all of the lost money.
https://preview.redd.it/daa505b3ecf51.jpg?width=600&format=pjpg&auto=webp&s=b27aa7697b0bf1afbd238964166ce40c693db2e3
The step of last resort, legal action, is understandably daunting for a person who often has lost significant amounts of money to the fraudulent brokers. It is fully understandable that such a situation will leave the victim decidedly risk-averse. There have been experiences with class actions against the fraudulent brokers and has developed links with litigation funding organizations in order to offset the risk in respect of class actions.
The lessons that can be drawn from the experiences of those individuals who have had the misfortune of losing their investments to fraudsters are to be extremely cautious. Always consider every offer or investment for at least 48 hours before making a decision, a genuine broker will understand the caution that a new investor will view a proposition.
All investments carry a risk and anything that promises a return on your initial investment seems to be significantly higher than normal it is almost certainly not to be trusted. Do not allow yourself to be hurried into a decision, it is highly unlikely that an authentic broker would try to rush you into an investment, especially if you demonstrated reluctance; their reputation would suffer by such behaviour.
You can now recover all money lost to bitcoin, binary options, cryptocurrency, investment, scam by hiring any one of these Verified Wealth Recovery Experts.
To recover money lost to binary options, forex, bitcoins, cryptocurrency, and investment, get all the information you need here; https://bitcoinbinaryoptionsreview.com/binary-options-uk-scammed-traders-fake-brokers-and-funds-recovery/
submitted by sinenyoku to u/sinenyoku [link] [comments]

Interstate + GRSM Custodial Issues

So, this is a bit complicated. There are three states involved, and a long history of issues.
I currently live in Tennessee, my ex husband lives in Texas, and the divorce and parenting plan are out of Washington state. During the divorce I was in college pursuing a Bachelor's degree.
I left my ex husband in July of 2011, from the country of Palau, and moved to Spokane, WA into domestic violence shelter. I filed for divorce and an order of protection sometime in early 2012 after he took the children and left for TX with them. The judge ordered him to return with the children under threat of issuing an amber alert and bench warrant. This kicked off a long, drawn out divorce where he used every tactic to delay the trial until I could no longer pay my attorney, who quit. At that point the judge ordered us into mediation, and I got bullied into signing a 50/50 agreement because we were not allowed to leave without signing a parenting plan. This parenting plan finalized our divorce.
There are additional issues with how our divorce went down. Everything from me having evidence of his abuse of both me and the children, even his own admission to such, which were completely ignored by the court. His forcing the employment of a guardian ad litem, who spent precisely 1 hour interviewing me when she first took the case, said she would schedule multiple follow ups, and never did. The only other time she spoke with me directly was about a poem I'd written for a class, and a student film I was in. Both were found by my ex through cyber stalking me (also proven to the court, and ignored) and brought to her attention. Part of his cyber stalking included him hacking my email and bank accounts, also proven and admitted to, but ignored.
The guardian ad litem never interviewed anyone on my list of contacts, but spent copious amounts of time talking to all of his. I know that at one point he threatened to get her disbarred because he didn't like the way she was conducting her investigation. This was very near the beginning, and I believe that he heavily influenced her recommendation, which eventually came out as supporting a 50/50 plan in spite of the proven abuse, manipulation, and stalking (which she acknowledged in her submission to the court).
In January, I moved to China. The agreement between me and my ex was for him to follow at the end of school year. In March I realized I would have to move back to the US, and my ex informed me that he would be moving to TX. I had to move to Missouri because that was where my family was, and the only place I had to get my feet back under me after the unexpected return from China.
After several months in MO, I received a job offer in Nashville, TN and moved there. I had multiple reasons for not wanting to move to Texas. After my return from China, he began to use the children, and them spending time with me, as a weapon. Since I was having trouble getting my feet under me, and didn't have a place to house them, I employed a variety of strategies to safely house them, from spending time with them at his parent's, to getting AirBnBs and going on road trips with them. During this time he would allow me to see them 2-3 times a year. Even when I did have roomy enough housing, he still refused to let me see them for more than 2 weeks at a time, and usually only allowed 1 week. He has steadfastly refused to give me extra time in summer.
I am now engaged, and my fiancé is purchasing a 5 bedroom house specifically so we have room for them. My ex has consistently said that once I had room for them he would allow me "increased" time with them (read 4 visits a year, up to 3 weeks each). Now that I have a house, he is saying that he is "not comfortable" with them spending time in the house. He is willing to allow me to see them, but only if I take them on a road trip, rent a hotel room, etc. This is where the GRSM issues come in.
For clarity going forward I will reference individuals as such: my fiancé: Z; his boyfriend: C; his boyfriend's 4yo daughter: M; my 11yo daughter: R; my 10yo daughter: F; my ex husband: S.
My fiancé has a boyfriend who is trans, and this boyfriend has a 4 yo daughter. When the girls visited the last time (in August) they stayed in our 2 bedroom apt and shared a room with M, while Z, C, and myself shared the other bedroom.
S is a fundamentalist, conservative Christian, and belongs to the Seventh Day Adventist church... which he believes is too liberal and worldly. As such, he is strongly anti-GRSM, and we've had discussions about it in the past, mainly in reference to me having non-binary friends. When discussing them with the girls I used gender neutral pronouns, and they asked whether they were boys or girls and I explained what non-binary is. My ex was upset about this, but ultimately, reluctantly, agreed that I could teach them what I desired when they were with me since he didn't allow me any say in what they learned while with him.
Now he is refusing to allow them to come visit the house because C is trans. He said that we were forcing the girls to use "the wrong pronouns" (we didn't, we didn't even bring it up, we just used he/him pronouns even though we were around them). He then had the girls write me letters, both worded very similar and saying the same things: they don't like gay influences, we shouldn't buy the house, and they don't want to see anyone else in the house again. Now, none of this had been an issue with them when they were visiting, or in any conversation I had with them following that. In fact, the conversation I had with them the day before my ex called to tell me all this, they'd been excited about the house and talking about how they wanted to decorate their bedrooms and everything.
After that phone call with him, I refused to discuss anything with him on the phone again. And said that I would only discuss things over email going forward. It's a policy I should have instituted long ago, and had to varying degrees of success at various points. Prior to that phone call we had been discussing a December visit. Now he is saying he won't let me see the girls at all unless it is outside of the house.
So, thank you to anyone who actually read this all the way through. It is a complicated and frustrating situation. I can't afford a lawyer, and don't even know what my options or chances are here. I know I screwed up at various points along the way. I want to get them away from the psychological and religious abuse, and in general just get to have my children again.
submitted by WhyDoIPretend to legaladvice [link] [comments]

First Contact - Part Sixty-One (Kark)

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Captain's Personal Log - Stardate 8532.299
Arrived at Starbase-4973 with the Dakota and our crew. Turned over information to the local Starfleet representative as well as SUDS data for the other ship's crews. Spoke to Commodore Dunsten of Starfleet who requested a template for what changes the Dakota has undergone. Was counseled that my point totals will not count toward any ladder rankings due to 'extreme non-canon changes' to the Dakota as well as my crew personal armaments and shuttle modifications.
In shocking news, the Battlestar Fleet and the Cylon Collection have arrived. Talk about the big guns. Those guys carry the big Creation Engines that can pump out a Viper or Cylon fighters in roughly 10 seconds with only a 30 second cooldown/slushdown feature.
Met with the Space Force representative and turned over my battle logs. He, in particular, wanted the in-depth scans we performed on the various Precursor ships. Our practice of boarding the ships is, at this time, the most common strategy.
We discussed the fact that Space Force considers forcing the Precursor vessels out of the system to by a phyrric victory and that the system will require a heavy metal posting. Was also informed that the fact that the Precursor fleet retreated from the planets and then from the system was a 'statistical oddity' and he wanted more scans. He also inquired as to whether or not I ran an in-depth scan on the gas giants, which is where the Goliaths were spawning from. I regret I had not, merely a scan for a Goliath.
He appears quite concerned with the actions undertaken but did congratulate me on defending the system.
Transphasic Photon Torpedoes are considered standard armaments for all Starfleet vessels from here on out. There is talk of smaller planet-crackers being put in use among the crew, but planet crackers rely on the mantle to core interaction. Quantum torpedoes are nothing option that I am seriously considering. Phased plasma torpedoes are largely considered in the OP-Class of weaponry but I am seriously considering just loading everything up and going for broke. Tricobalt missiles might be another option but the last time anyone used that was during the Fifth Dominion War. The Dakota is so far out of specifications that mounting such weapons is not as far fetched as it may have sounded a month ago.
It isn't like anything we're going to do is going to count for the leaderboads.
On a personal note, some of the crew members have reported headaches from their SUDS interfaces. McCoy is working on it, but he also warned that the transporter may have to be reconfigured after the discovery that the Precursors can hijack the signal and capture crew members that way.
Starfleet transporters are much more carefully aligned than the earlier 'mat-trans' and 'teleporter' systems used by the 40K LARPers. Safety interlocks prevent our transporters from being used in many cases that a teleporter could be used, require more power, and have a triple-feedback redunancy check.
An amusing point: Teleporter systems seem to go straight through the shields. McCoy and Spock both believe that lengthened amount of time for buffer checking allows the Precursor shielding to be adjusted for the algorythm used by Starfleet vessels.
Another amusing point: During my LFG call, the Wesleys were lined up around the station core. Nobody is taking them on these, despite the class advantages because, outside of structured missions for Starfleet Games, nobody is going to suddenly have Wesley Weaknesses just because.
On a personal note: My Riker has grown out his beard and has been socializing with his Space Force peers in order to get us more information on this threat.'
--Picard 8873
Captain's Personal Log - Stardate 8532.304
One thing they don't mention in the sheer amount of time you spend moving from place to place. Warp drive is highly efficient and safe compared to stringdrive, slipstream, gates, and jumpspace. Unlike hyperspace, AI's are able to remain conscious in warp. Still, I feel the urge to yell "GO FASTER" at the warp nacelles.
My Spock took me to the side and warned me that Starfleet vessels may be making a serious mistake. Often, the Precursors take damage and flee the system, using Hellspace to jump out. He has noticed that after roughly 8% of their structure is damaged they then flee. He also had checked Starfleet records.
I'm the only vessel, at this time, running transphasic photon torpedoes.
He has suggested an experiment. Utilize transphasic torpedoes, phased plasma torpedoes, but leave one out of every barrage of 10, with the phased plasma torpedoes, with a subspace beacon. In that manner, we can discover where they are running off to.
My Spock has put forward the theory, and my Scotty and LaForge, as well as my Riker, all agree.
They have refitting, repair, and construction bases somewhere.
Perhaps our plan to put a phased subspace beacon aboard one of the larger vessels will pan out.
I do feel concern about what my crew and I might find in a Precursor shipyward.
--Picard 8873
Captain's Personal Log - Stardate 8532.306
We have returned to the system that myself and the others had cleared. In particular, we are running long range sensor scans of the gas giants. My Chekov has suggested, and I concur, that getting in close and running more detailed but shorter range scans might put us too close.
I would really like to avoid a barrage of nCv shells.
Our Uhura (She's extremely qualified and did not object to me doublechecking her bonafides) is keeping a careful ear out for any Precursor transmissions.
I have left orders that at the faintest whisper of Precursor code the Dakota is to move to red alert.
The system looks empty, but there is something that makes me think that there are only four lights.
--Picard 8873
ADDENDUM: There is apparently no structures or other masses in the gas giant at the depths our long range passive scanners can reach.
Captain's Personal Log - Stardate 8532.307
Our Uhura spotted it first. Subspace whispers. Complex and shifting binary, barely audible. While others suggested we move in, trying to get a lock in on what was whispering across subspace in such a manner I ordered the ship to immediately go to silent running, no emissions.
We observed a Goliath exit Hellspace near the larger gas giant, streaming vapor and metal, its attendant vessels exiting with it. As we watched it allowed the attendant vessels to board through the massive docking ports.
Sidenote: Some of those docking bays are the size of the real San Francisco Ultraplex.
The 'whispers' picked up and the massive Goliath sank into the gas giant.
My crew's estimation that the three initially engaged Goliaths of our last action had repaired themselves was confirmation bias.
For a bare moment the whisper got louder and the Goliath that had sunk into the gas giant was in plain view on our passive long range scanners then it simply vanished.
The belief of my Spock and Scotty is that the Precursors have some kind of shielded refit structure inside the gas giant beyond the scanner horizon. LaForge has stated that the pressures at such depth would make any construction or repairs inordinately difficult.
My Riker reminded LaForge that the Precursors were engaged in a war when they vanished and these bases are not only war-time bases, but that there are no living crews to worry about.
I ordered my crew to remain on silent running. There is enough debris on that planet to cover a probe approach. My LaForge has suggested putting a probe data relay in the Oort Cloud to give the signals a few 'bounces' and to use only phased tachyon streams with reversed polarity.
Sometimes I wish we didn't have all our own names for technology. Why could he have just said paired quark communications?
--Picard 8873
Captain's Personal Log - Stardate 8532.309
The probe was moved into place carefully, following a piece of debris from the previous battle. During this time our Uhura caught another scrap of what she has come to call "Precursor Whispers" from the other gas giant.
My Spock reminded me that the intense pressures inside a massive gas giant could make foundry work easier, allowing the creation of hyperalloys that we need massive foundries for to utilize the inherent pressures of a massive gas giant to create 'alloy farms' inside the gas giant.
A disturbing thought indeed.
Another ship type has arrived, which I have labeled the Enki class Precursor, has arrived and taken to carefully going over the debris fields of the Starfleet battle.
Thankfully the Klingon and Romulan officers routinely utilize anti-matter charges to clear any debris from the destruction of our ships.
It moved to the wreckage of the mining ship and has been spending time there. It is at extreme range and I am becoming nervous about what it is doing.
The Precursor attitudes within this star system are concerning.
Have you ever looked at an inanimate machine, with no living characterization like a Data possesses, and thought to yourself "What are you up to?" as you watched it?
I have that unique experience.
They are up to something.
--Picard 8873
Captain's Personal Log - Stardate 8532.310
The probe provided us with valuable information that is critical to disseminate.
We are now, to use my Riker's phrase: running like a bat out of hell.
Passive scans can only penetrate to a certain depth within a gas giant. Starfleet has been largely worried about planetary scans as well as deep space and intrasystem scans. Combine it with the fact we use a lot of gamification in our systems, gas giants were largely used as "spawn points" for crafts. This meant that, naturally, our scanners largely could not penetrate deeply into gas giants.
My Scotty and LaForge re-calibrated the sensor arrays to get a good look inside the gas giant.
My Spock was right. The Precursor was 'growing' large alloy fields down there. There was a repair and manufacturing base the size a continent down inside the gas giant with massive 'alloy farms' around it. Before the scale would have shocked me until my Spock pointed out that the Great Eye of Jupiter is twice the size of Terra itself. Nearly two dozen Precursor vessels were 'docked' at the facility.
Discussions on how to 'deal with' this massive repair and refit base were discussed at a closed meeting of my command crew. It ranged from using a Genesis Device on the gas giant (Not recommended. My LaForge stated that the Precursor ships we are facing here are more adept at 'learning' than previously encountered Precursor types and the last thing we should do is provide them with planet killers that create more resources) to attempting to use a modified planet cracker on the gas giant (Again, tabled due to concerns the Precursors would imitate it).
We settled on phasic trans-phasic photon torpedoes mixed with tricobat missiles.
Out attack was dual: Destroy the debris field of the Romulus class mining vessel, which was being thoroughly combed over by Enki class Precursor vessels, damage or perhaps even destroy the facility and the 'alloy farms' inside the gas giants.
We came in from above the stellar plane, at a high velocity angle. When facing Precursor vessels your speed and maneuverability are key to staying alive. We fired probes while still 25 million miles above the stellar plane. We came in with only debris shields at full power.
The probes reported back that while there were life signs on the planets in the Green and Amber zones the Precursor vessels around those planets and upon the surface were not engaged in wholesale slaughter or destruction. We practically turned the sensors inside out getting deep scans of everything.
Once in range (Starfleet weaponry is somewhat, to use my Riker's term: short legged compared to Space Force line weaponry) I ordered a full scan at maximum power and resolution. Normally this is avoided to prevent damage to sentient beings and xeno-species but the Precursors aren't a foe that one should concern themselves with scanner-burn.
Percursor vessels were not rising from the gas giants. While some immediately launched or moved to engage us from various points in the system, sheer distance and geometry prevented any attacks. At 30 million miles even nCv weapons or phaser beams move too slowly to engage a ship the size of the Dakota. We launched weapons and immediately began accelerating to be able to put enough distance between any Precursor vehicles and our own vessel.
We got our scan data back and immediately realized that engaging the Precursor vessels was now a secondary, if not tertiary, mission.
All four of the gas giants contained refit facilities of a size that is best described as 'geological'.
That was not the key data.
Our Uhura was able to isolate the 'Precursor Whisper' and while unable to decode it, was able to confirm what it is.
FTL data-streams.
Their battle, strategic, and tactical network.
The planets, while full of life and possessing several species known to be "Unified Civilized Races", were all at Stone Age technology. Precursor vessels were moving to protect the planets and their inhabitants for an unknown reason.
This information is vital to Starfleet, Space Force, and all other Confederacy organizations.
--Picard 8873
Captain's Personal Log - Stardate 8532.311
The Dakota has now had its very own AbramsKhan moment.
We were fired on in warp drive.
The Precursor vessel mounted one of the Galaxy class Starfleet vessel's engines and pursued us. With a lighter frame, higher energy output, and not having to concern itself with warp drive effects upon living beings, it was not only able to catch up to us, but fire upon us.
My Riker has stated that anyone who mocks up for having such thick armor after this will be starting a brawl.
We are alive only because of my insistence on heavy armor, structural integrity fields running the same type of shield frequency algorithms as our main deflector shields, with dual structural fields layered between armor and structural layers.
Immediately upon being fired upon we dropped out of warp drive to engage the small Precursor vessel. Chekov stated it would be between stellar bodies and it should have been a bare battlefield with not even gas wisps.
Instead, we dropped into a half dozen Jotun class vessels waiting for us.
We are currently undergoing evasive warp maneuvering as estimated by my Spock and my LaForge.
--Picard 8873
Captain's Personal Log - Stardate 8532.313
They're attempting to "drive" us deeper into the Dead Zone.
This gives us a fairly unusual opportunity. We can see what they are attempting to push us into or we can attempt to escape.
Spock and Scotty believe that it is imperative we discover what it is that the Precursors believe can take us out compared to the Jotuns following us.
Riker and LaForge maintain our goal should be reaching Federation/Confederate Space.
I believe I have a better idea.
--Picard 8873
Captain's Log - Stardate 8532.315
Rather than allow us to be pushed further into the Dead Zone I ordered the ship to move at a right angle to the galactic plane at full warp 9.3. While this can interfere with SUDS uploads and storage I have decided that the risk is necessary.
Captain's Log - Stardate 8532.317
The Precursor machines are still in close pursuit. They are arranging for attempted ambushes. LaForge has theorized that the one following us, which is a warp capable photon-torpedo launcher welded to the the Galaxy class engine and wrapped in neutronium armor, sends out a "whisper" as soon as it sees the 'warp flare' from our engines. That enables the Precursor vessels to Helljump to where we will be exiting.
Scotty has a plan.
Luckily, I did not dump my old class data, so I have a Kirk knowledge database.
Spock is overriding the interlocks to allow me to access that knowledge.
It is risky, but acceptable.
Captain's Log - Stardate 8532.317 - Supplmental
By utilizing the holodeck, a blank SUDS, and carefully aligned emitters, Spock believes I will be able to load the data from the Kirk character class into my memories despite being a Picard. He will attempt to use his Mind Meld ability to keep me from collapsing under a dual class.
The Precursor Pursuer will be in range inside of 30 minutes.
I have no choice.
Captain's Personal Log - Stardate 8532.317.7
The melding was somewhat successful. I have conflicting emotions and desires regarding many subjects but thankfully both my knowledge and personality templates are Starfleet officers. By use of the Mind Meld my Spock was able to use an older exploit involving class rank and player knowledge.
Contrary to popular opinion, Kirk classes are not womanizing hot-heads (Despite AbramsEra semi-canon) but rather highly innovative early Starfleet officers. It is just that the mission files force Kirk to use half-experimental technology in innovative ways in order to overcome unknown experiences and foes. One of the things often overlooked is Kirk made the rank of Admiral and was quite cautious in many ways.
Still, the dissonance between a Picard and a Kirk class is quite intense.
I am suffering nosebleeds. McCoy says it is from intercranial pressure as my brain attempts to sort through the information.
I have not informed him of the fact I have a severe SUDS hangover.
--Picark 8873
Captain's Log - Stardate 8532.318
After examining old scans of the Galaxy class ship that was defeated I was able to ascertain its hull number. Using that number, and knowledge possessed by an Admiral Level Kirk Class, when the Precursor Pursuer came close enough to fire I was able to drop its warp-shields. The Precursor Pursuer was exposed to raw warp energy at that time, inhibiting its ability to see the Dakota, specifically causing us to appear much further ahead in the warp conduit.
The Precursor Pursuer fell back and I ordered the Dakota to move to Emergency Warp Speed.
9.998 Okuda Scale
The Precursor Pursuer immediately went to maximum speed of the Galaxy class engine attached to little more than armor, bare shields, and a torpedo launcher.
Warp 10.
Without Transwarp shielding or any other technology, the Precursor Pursuer achieved infinite velocity and infinite mass.
The explosion damaged the Dakota and left us drifting in normal space.
Scotty and LaForce estimate repair times of 3 weeks.
--Picark 8873
Captain's Log - Stardate 8532.325
We are again underway after our successful destruction of the Precursor Pursuit vessel.
Maximum warp is limited to Warp 5.4.
Estimated time of arrival at Starbase 4973 is 11 days.
--Picark 8873
Captain's Personal Log - Stardate 8532.332
My SUDS has been scrambled and bad. I'm no longer Jeffery van Leedle, born on Rigel, but instead and curious combination of the character neural templates and my old personality.
Scotty, McCoy, and LaForge are examining me. Not in any hopes of untwining the personalities, but rather to forward the information to SoulNet in hopes that it can be prevented for occurring to others, no matter how unusual the circumstances.
The 'Gamed' memories no longer have the distinguishable overlay that Starfleet uses for safety measures. Instead, all of my memories feel the same.
Which is... confusing.
I remember racing a motorcycle in the wheat fields of Oklahoma, outside of Paris, under a Rigellian red sky.
My gestalt personality agrees that it is worth it for the information we have and to save my ship and my crew.
--Jeff Picark 8873
Captain's Log - Stardate 8532.334
Pro-term Acting Captain Riker-2173 commanding. Previous Captain suffering the effects of the SUDS/Template merger needed to access information to allow the destruction of the Precursor Pursuer.
Captain Jeff Picark was relieved of command, with acceptance and willingly, two hours ago.
Bridge and Command Officers are in agreement with this action.
We are two days out of Starbase 4973.
--Riker 2173
Captain's Personal Log - Stardate 8532.335
Would I have done it, knowing what I do now?
Yes.
My SUDS cannot update. The neural template recordings fragment and unravel.
I am no longer immortal.
But there is no such thing as only human. Humans, without the SUDS, accomplished incredible feats with just grit and determination.
However, I can no longer participate in active combat Starfleet games. Two hundred years of LARP down the tubes.
I made a good choice with my Riker. The hardest thing to do is relieve your Captain for cause.
He had good cause.
--Jeff Picark 8873
Captain's Log - Stardate 8532.336
I have docked the Dakota and am granting shore leave to crew. Captain Picark was taken to the Space Force infirmary via stretcher with McCoy in attendance.
Our mission is complete. Space Force has our data in their possession.
For some reason, the Precursors keep entire worlds of roughly half the xeno-sapients of the Unified Civilized Races.
Gas Giants must now be treated as Precursor base risks.
I am hoping "Jeff" recovers. The fact that he remembered an ancient piece of lore from OldTrekKhan is, honestly, impressive. Undergoing an in-mission partial respec was risky.
Will report to Starfleet and see what happens.
--Riker 2173
---------------------------
STARFLEET GAMING CENTRAL NOTICE
Jeffery van Leedle, player number 7c345a7e1-8873, is hereby promoted to Starfleet Admiral and is hereby recalled to Earth-42 to Starfleet Headquarters in New-SanFran.
In accordance to his wishes the Dakota a non-canon America class ship, is hereby given to Riker 56a817c38f2-2173, including all templates and player rewards.
-----NOTHING FOLLOWS-------
SPACE FORCE MEMO
ALL CAPTAINS
Initial estimations of 30-50 Goliath class total forces in is error.
New ship types encountered, new facilities discovered (See Attached File).
-----NOTHING FOLLOWS---------
CONFED MEMO
Mantid, any idea what this is about?
----NOTHING FOLLOWS-------
MANTID FREE WORLDS
Beyond "cattle worlds" we cannot estimate why Precursors, of all things, would have the older races, reduced to primitive, on worlds just being observed.
-----NOTHING FOLLOWS--------
BLACK CRUSADE
Experimentation, idiots. That Balor Hellship should have made you think of that.
They're trying to figure out a way to counter us.
------NOTHING FOLLOWS------
submitted by Ralts_Bloodthorne to HFY [link] [comments]

The Complete Guide To Pulling Girls Home

Note: This is a guide to the steps of pulling, if you want to learn about how to get women to want you to pull them, see this video: https://youtu.be/6GxYBjI53BI And this video: https://youtu.be/nK2tYyla5Is
 
How To Pull Girls Home
 
Sometimes, pulling is as simple as saying, "Let's get out of here." If a girl already knows she wants to have sex with you, you don't need any special tactics to bring her home.
However, women rarely decide they want to have sex with a man before they're in a bed with him.
One girl told me, "We're not having sex tonight," three times before she went back to my place. Then, on my couch, she sighed and said, "Are you going to fuck me already?"
For men, sexual interest is binary. If we find a woman attractive, we'd probably agree to have sex with her. For girls, sex is more complicated.
In terms of being interested in sleeping with you, women will sometimes categorize you as a "yes" or "no," but most often, you'll be classified as a "maybe." Even if a girl is so attracted to you that she's turned on in your presence, she still may decide against having sex with you.
As a woman, sex comes with a lot of risks—physically and socially. A woman needs to know she can trust a man before she goes home with him.
The average man is more than twice as strong as the average woman. There's a real risk of being harmed.
Furthermore, many women encounter men who are too pushy and aggressive. Even if a girl likes you, she may be subconsciously concerned that you're going to be one of those overly aggressive guys.
Then, there's the risk of being slut-shamed. Although some women encourage their friends to hook up with random guys, other women mercilessly judge their friends when they do something 'slutty.'
Even if a girl thinks you're extremely attractive, she would probably reject you if you were to try to pull her five minutes after meeting her. She needs to go through a process to be ready to go home with you and have sex.
Generally, women need to see that you are assertive, but not pushy. You must take the lead, but at a pace she can relate to. There are no universal rules to this; every girl is different.
As an experiment, I once approached 20 women with the line, "Hey, you're cute, would you like to come back to my place?" Nineteen of them said no, but one girl said yes.
Of course, that's not the best strategy. But don't limit yourself by thinking thoughts like, "I think she's into me, but I can't pull a girl on the first date." Or, "It's the beginning of the night; there's no way she's going to leave with me now."
As a rule-of-thumb, pulling a girl usually takes 45 minutes to 1 hour and 30 minutes, but there are plenty of exceptions.
 

The Process of Pulling

 
Pulling has momentum to it. You're leading the girl—both physically and emotionally—towards having sex with you.
This starts small with intense eye contact or a spark of sexual energy; then, you gradually escalate as the tension increases.
If you rush this, the girl will feel that you're pushing her towards something you want, without regard to what she wants. The pacing is what matters most; you're not fixated on the 'finish line.' Instead, you are slowly escalating.
Think of an entire interaction with a woman like foreplay. If you were to fuck a girl the second she got on your bed without any foreplay, it would be a dull experience for her—there was no time for her to arousal to grow.
Similarly, if you try to pull a girl as quickly as possible, there's no time for her to build a desire to go home with you.
She wants to know who you are, she wants to know she can trust you, and she wants to experience a growing excitement for hooking up with you.
In the following sections, I lay out a comprehensive guide to pulling based on how women want to be pulled. It's a process that takes place over an extended period and gradually builds in intensity.
 

Deciding To Pull

 
Whenever you're talking to a girl you're attracted to, it's crucial to determine the ideal outcome for the interaction.
For instance, if a girl has an interview in 30 minutes, you probably don't have time to pull her. In this case, your ideal outcome for the interaction would be to set up a date with her.
You must find out if pulling a girl home is a realistic possibility. Otherwise, you could easily spend over an hour with a woman only to get a pat on the back and a hearty, "It was nice meeting you!"
In the men's dating advice community, this is referred to as screening for logistics. You're determining how likely it is that you will be able to pull a particular girl later that night.
Whenever you have an interaction with a woman that lasts more than 30 seconds, you should ask a few logistical questions.
For example, you might ask:
Asking the above questions will give you useful information. If, for instance, you learn that a girl drove her five friends to the club, she lives an hour away, and she's flying across the country tomorrow morning, chances are, you're not going to pull her.
Conversely, if a girl lives across the street, she came to the club alone, and she's not doing anything later, the likelihood that she'll go home with you is much higher.
Of course, asking too many logistical questions can quickly become obnoxious. To avoid coming across as inquisitional, sprinkle these questions throughout the interaction rather than asking them back-to-back.
Below, you'll find a general guideline for the best and worst answers to logistical questions:
Good logistics: Nothing, what are you doing later? Bad logistics: I'm going back to my parent's house.
Good logistics: I'm here with my roommate, Sarah. Bad logistics: I'm here with my dad.
Good logistics: I drove here. Bad logistics: My friend Dave drove me.
Good logistics: 5 minutes away from here. Bad logistics: About an hour away.
Good logistics: Not sure yet. Bad logistics: I have to wake up at 4 a.m. to go to work.
To be clear, if a girl really wants to hook up with you, you may be able to find a way to overcome a bad logistical situation.
Once in Vegas, my wingman and I pulled two girls from the club. My girl was excited to hang out more and get a drink back at our hotel.
However, the other girl wasn't so enthusiastic: during the car ride, she repeatedly complained that she just wanted to go home and sleep.
But it didn't matter because the girl I was with was determined to spend more time with me.
My girl told her friend that she could sleep in the car while we had shots in the hotel room. And that's exactly what happened.
Ultimately, it's useful to know a girl's logistics, but you can often make something happen regardless of the situation.
Memorizing all these logistical questions can seem overwhelming. Fortunately, there's a simple way you can get an idea of whether a girl might be interested in going home with you later that night. Say either,
"What are you doing later?" Or, "There's an after-party later tonight; you should come."
More often than not, women will respond to this question based on how they feel about you. If they want to keep hanging out with you, they will make themselves available:
Conversely, if a girl knows she isn't going home with you later, she might say something like,
To be clear, a girl might make herself unavailable when you ask this question only to change her mind later.
But generally, her response to, "What are you doing later?" will give you a good idea as to whether she would like to go home with you.
 

When She Makes Herself Unavailable

 
What should you do when a girl says she's busy later or can't go to an after-party?
If you don't have much experience approaching women, your best option in this situation is to exchange numbers with the girl and start meeting other women.
Maybe she likes you; maybe she doesn't, but you know she's probably not going home with you that night. Remember, your most valuable resource when you go out is time.
Besides, you have her number, so if she is interested in you, she will likely agree to go on a date with you.
As you gain experience meeting women, you will develop an intuitive ability to sense whether you'll be able to pull a girl later.
And in many cases, even if a girl initially seems uninterested in going home with you, you'll be able to change her mind. But when you're new to cold approach, taking this kind of risk isn't likely to pay off.
I strongly recommend you ask this question to every girl you approach. It's the first step to pulling a girl.
When a girl says she's busy later, ask for her number. When a girl makes herself available, move on to the next step.
 

When She Has Good Logistics

 
If you get the sense that you might be able to pull a girl (I.E.she says she's not busy later), you should find out if she will leave her friends to hang out with you in a different area.
Make a suggestion like:
 

When She Won't Go With You

 
If a girl is unwilling to move to a different area with you, it's unlikely she'll go home with you later.
You will have to decide whether you think the girl won't move to another area because she isn't interested in you or because she has a tight-knit group of friends that she doesn't want to leave.
If you think she is attracted to you, you may still be able to go home with her at the end of the night. Instead of pulling her, you can let her pull you (see the section, "Go With Her.")
Conversely, if you think she might not be interested in you, it's best to exchange numbers with her before leaving her to approach other women.
When a girl refuses to leave her friends, you'll have to weigh your options. It isn't likely you'll be able to make something happen with this girl on that same night, but that doesn't mean it's impossible.
Again, as a rule-of-thumb, it's better to play it safe (get the number and move on to another girl) when you're new to approaching women, and it's better to take risks when you're more experienced.
Trying to push an interaction when the girl is giving signs she isn't interested is like doubling down on a bad hand of poker - it's better just to play another hand.
So, if you're new to cold approach, you will get the best results by: Setting up as many dates as possible (on a date, the logistics are very much in your favor).
By finding girls who have a good logistical situation in clubs.
Basically, find the "yes" girls who are actively interested in going home with you that night and exchange numbers with the "maybe" girls who are less enthusiastic and less available.
As you accumulate experience, you will develop a fine-tuned sense of how interested a particular girl is.
You'll know whether you can overcome a bad logistical situation or if it's best to move on to someone else.
 

If She Agrees To Go With You

 
If a girl says yes to your request to go to another area, this is a strong sign that you may be able to pull her. Women will rarely say they want to go home with you: instead, they show interest through their actions.
A girl's willingness to follow you from one area to another is a significant green light that she might be open to going home with you later.
 

Taking Her Home

 
At this point, the girl is following your lead from one area to another.
After you've been talking for roughly 45 minutes to an hour and a half, the next step of leading is to bring her home with you.
Fortunately, pulling isn't rocket science.
So long as the emotions are right, many women will want to go home with you. Often, all you have to do is ask. More than a few times, I've pulled girls simply by saying something to the effect of, "Want to get out of here?"
That said, there are ways to pull a girl more smoothly.
If you mentioned the idea of going to an after-party earlier in the interaction, you can pull by saying, "Hey, let's go to that after-party I mentioned."
Now, inviting a girl to an 'after-party' when it's really just you and her might sound creepy. Here's the truth, if you use lines like the above when there's no mutual sexual attraction, then yeah, it will be a little awkward.
I once brought two girls back to my place to go to an "after-party," but when we arrived, they realized there was no real after-party, and they said they had to get an Uber.
But this has only happened once in my entire life, and it was my own fault—I was focusing on the pull without considering whether there was enough sexual desire and trust.
Ultimately, if a girl is interested in you and she agrees to go home with you, it's unlikely she'll be surprised if it turns out the after-party is just you and her.
If you're unsure whether a girl is attracted to you, you can make a point to physically escalate before bringing her home.
When you've been making out with a girl or grinding with her on the dance floor, you can be fairly confident she's interested. Afterward, you can pull her without worrying about whether she's attracted to you or not.
You don't need a great reason to bring a girl to your place, you just need an excuse that isn't "let's fuck," or, "Would you like to have sex?" (saying that puts way too much pressure on the girl).
If a woman is interested in hooking up with you, she will agree to go to your place for whatever silly reason you come up with.
A friend of mine once pulled by saying, "I have an amazing book collection at my place; you have to see it."
Here are a few more examples of simple excuses you can use to bring a girl home with you:
Or you can pull by inviting a girl to watch a show or movie with you:
What if you don't have a place to pull girls to?
Let's say you still live with your parents, and you can't bring girls back to your place. Is it still possible to pull? Yes, of course, the only difference is that you must pull to the girl's house.
Here's how: when you bring up an excuse to hang out in private with a girl (watching a T.V. show, getting a. drink, etc.), and she agrees, follow up by saying something to the effect of, "Okay, how far is your place from here?"
Whether she replies with, "I'm 5 minutes away." Or, "I'm 20 minutes away," you can say, Okay, cool, that's much closer than my place; let's go."
Sometimes, a girl will not be able to bring you back to her place (I.E., she lives with her parents); in this case, you can either get a hotel or move on to the next girl. However, many of the women you meet will have a place you can go back to.
I've pulled girls back to their place many times, and despite what many guys think, it doesn't need to be much more complicated or difficult than pulling to your place.
 

Go With Her

 
Even if a girl is unwilling to leave her group of friends and move to another area with you, you still may be able to go home with her.
To do this, you should find out what the girl is doing after the bar closes. If she says something that makes her seem uninterested (I.E., she's going to her brother's place to get some sleep), it's unlikely you'll be able to leave with her at the end of the night.
Conversely, if she makes herself available, you may be able to make something happen (I.E., "My friends and I are just going to hang out." Or, "I'm not sure yet, just going home.")
Before deciding to go back to a girl's place, ask yourself, "What would happen if she and I were alone in a room together?"
If the answer is, "We'd tear each other's clothes off," then going with her has a good chance of leading to sex.
If you're not sure, the safer option is to mention that there's an after-party later and invite her (before moving on to meet other people).
You don't want to spend your entire night with a girl who is only interested in you as a friend.
However, if you think she is attracted to you, but she doesn't want her friends to see her leaving with some random guy, you may be able to go home with her at the end of the night.
Once you've decided that you're going to stick with a girl and go with her at the end of the night, just stay with her while making a point of winning over her friends.
If the friend-group doesn't like you, it will be exceedingly difficult to go back with them at the end of the night. I've seen so many men ignore a girl's friends until they got upset and dragged the girl away from him.
Offer value to the friend group the same way you offer value to the girl you're interested in (just without the sexual elements).
Once the bar or club closes (or the girl says she's about to head home), you can go with her. To do this, ask, "What area of town are you headed to?"
Reply to whatever her answer is with, "Oh, I'm near there; we should split an Uber." If she's unenthusiastic about the idea, she's probably not interested in going with you, but if she says something along the lines of, "Yeah, that sounds good." Then you can leave with her at the end of the night.
When you're in the Uber with the girl, you need to create an excuse to enter her house. The easiest way to do this is to simply ask if you can use her restroom while you wait for another Uber to your place.
When you're in the girl's house, one thing should lead to another. You'll both forget that you were "waiting for your Uber".
Now, if you're thinking, "This sounds creepy," it is creepy if she's not into you. However, if she wants to have sex with you, you're simply creating a logical excuse to do what you both want to do.
You can't tell a girl, "Oh, you have to go home with your friends? Can I come along so we can fuck when you get home?" That wouldn't be relatable.
If you want to go home with a girl, it helps to create a situation where it makes sense for you to end up in her house.
Again, you should only do this if you believe that it's on between the two of you.
However, even if it turns out she isn't interested in hooking up with you, it's not the end of the world. Just politely excuse yourself--so long as you don't get bitter or aggressive, she's unlikely to be upset.
With that said, you can often go home with a girl by being direct. When you ask, "What area of town are you headed to?" you can reply to her answer by saying, "I'm going with you."
So long as you come across as confident and your interaction up to that point was strong, she will likely agree to your proposition.
It can be useful to create a logical excuse to go home with a girl because she will be less likely to feel judged for acting 'slutty.' But you can be upfront with your intentions successfully so long as you've built enough trust and sexual tension in the interaction.
 

When She Refuses To Go Home With You

 
If a girl declines your invitation to go home with you, it might mean she's just not interested.
However, sometimes a girl will refuse to go home with you even when she likes you. Maybe the girl has a boyfriend she didn't mention.
Maybe she just doesn't do one-night stands. Sometimes, a girl won't go home with you because she doesn't want to get judged by her friends.
Once again, if a girl won't go home with you, your best option is to make plans to go on a date with her later before going to meet other people. Say something like, "It's been cool talking to you; we should get coffee sometime."
When a girl rejects your invitation to go home with you, it's often not that she's rejecting you, she just can't go home with you at that particular moment. That's why you should make plans to hang out with the girl later.
If you want to see more of my content, check out my YouTube channel: https://www.youtube.com/channel/UC4kTcVi-b_9qQnMCRG9WggA
submitted by Aghayden to seduction [link] [comments]

Student Loan Default: The Guide (reuploaded)

The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...

Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface.

Definitions:

Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out.

Shills: People who are paid to prevent the spread of student loan default information

Statute of Limitations: The number of years your state requires before a debt can no longer be collected.

Cosigner: The poor person who is just as legally required to pay your loans as you are

Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about $100,000 a year in another country and report their US taxes as 0.

Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.

Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.

Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount

Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans

Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt

Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt

Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.

Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable

Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.

Forbearance: A period where you do not have to pay your student loans, but interest accrues.

Deferment: A period where you do not have to pay your student loans, but interest does not accrue.

Credit Score: A number that tells people how responsible of a borrower you are.

Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000.

Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb.

Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change.

A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets.

Strategy

Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies.

Tactics

Paying Your Loans: [low risk] In the rare chance you have anywhere between $1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/

Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below.

Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it.

Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history.

Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than $100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/

Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix

Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.

Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?

Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.

Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/

Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.

Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf

Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.
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