Legal Gambling Age Around the World: Where can I Gamble at

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"I think I've lived long enough to see competitive Counter-Strike as we know it, kill itself." Summary of Richard Lewis' stream (Long)

I want to preface that the contents of this post is for informational purposes. I do not condone or approve of any harassments or witch-hunting or the attacking of anybody.
 
Richard Lewis recently did a stream talking about the terrible state of CS esports and I thought it was an important stream anyone who cares about the CS community should listen to.
Vod Link here: https://www.twitch.tv/videos/830415547
I realize it is 3 hours long so I took it upon myself to create a list of interesting points from the stream so you don't have to listen to the whole thing, although I still encourage you to do so if you can.
I know this post is still long but probably easier to digest, especially in parts.
Here is a link to my raw notes if you for some reason want to read through this which includes some omitted stuff. It's in chronological order of things said in the stream and has some time stamps. https://pastebin.com/6QWTLr8T

Intro

CSPPA - Counter-Strike Professional Players' Association

"Who does this union really fucking serve?"

ESIC - Esports Integrity Commission

"They have been put in an impossible position."

Stream Sniping

"They're all at it in the online era, they're all at it, they're all cheating, they're all using exploits, probably that see through smoke bug got used a bunch of times"

Match Fixing

"How many years have we let our scene be fucking pillaged by these greedy cunts?" "We just let it happen."

North America

"Everyone in NA has left we've lost a continents worth of support during this pandemic and Valve haven't said a fucking word."

Talent

"TO's have treated CS talent like absolute human garbage for years now."

Valve

"Anything that Riot does, is better than Valve's inaction"

Closing Statements

"We've peaked. If we want to sustain and exist, now is the time to figure it out. No esports lasts as long as this, we've already done 8 years. We've already broke the records. We have got to figure out a way to coexist and drive the negative forces out and we need to do it as a collective and we're not doing that."

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How To Value A Stock (From Someone Who Has Beaten The S&P Almost Every Year Since 2008)

I recently wrote this up for my friends who asked me how I do what I do. I figured I'd share it here. This is freely available to anyone who wants it, though please credit me if you simply copy/paste. Nothing here is novel, and can be done by anyone. I am not a financial professional, and the example given below is only Abbvie because I forgot that Abbott Labs was alphabetically the first in the S&P 500 when picking an example.
​
First, let’s come right out and say that if you do not have the time to do this, or do not find it enjoyable, just buy low-cost index funds that track either the total market or the S&P 500.
Second, let’s make an important distinction:
Investing – This is the act of purchasing assets for less than their intrinsic value. This PDF will focus on how to determine the intrinsic value of an asset that produces income. Note that for most assets, this is simply how much money you can extract from the asset over the period of time that you hold it for. There’s no other value than money in investing. Causes and emotions are what philanthropy is for.
Speculating – This is, at its core, the act of taking supply of an asset from the present to the future (by hoarding it). If there is more demand, lower supply, or both, this pays the speculator to take the asset from a period of low value to one of high value. It is not gambling, but is very difficult to do, since it entails taking on timing risk. It is not illegal, immoral, or impossible, but I have no special insight into it. I’ll leave it there.
Gambling – This looks a lot like speculation, but without any particular reason to believe the asset will be more valuable in the future. Speculators at least estimate the value of an asset to investors, as they are ultimately the end market for an asset. Do not gamble. Full stop.
Determining the intrinsic value of an asset
The value of an asset is simply the present value of all future income that asset can provide you. Since a dollar in five years is naturally less valuable than a dollar today, you have to discount future income against the opportunity cost of forgoing the dollars you invest today. When we get to the Present Value equation, this is represented by interest. It can also be thought of as the opportunity cost of investing in the asset instead of some other asset or simply consuming the dollars instead.
Here’s the actual math. Note that it’s not super hard, and while I will explain it, there are dozens of free websites that will quickly let you calculate this. The key phrase to Google would be “present value of a growing annuity calculator.”
PV = (C / i - G) * {1 – [(1 + G)/(1 + i)]^n}
PV = present value
C = cash flow per period
n = number of payments
i = interest rate
G = growth rate
The value for PV is your estimation of what the asset is worth today. If this ends up far higher than the market price, you are probably purchasing dollars for quarters. Avoid edge cases, as you are guessing about both the interest and growth rate.
C is the cash flow per period. If you have a high degree of confidence in the culture of the company and it has a long history of being good stewards of retained earnings, you can use the earnings per share (EPS). I usually use the dividend. It is impossible to fake or financially engineer a dividend, and requires less looking through financial documents to make sure it’s what it appears to be. But for, say, Apple or Microsoft or Chevron, feel free to use the EPS.
The number of payments is how many payments you expect while holding the asset. Dividends in American companies are typically quarterly (though some pay monthly or every six months, so check on that), so every multiple of four would represent one year if you choose to do it that way. If n = 16, then you’re expecting to hold the asset for 4 years. You can also put in a year’s worth of dividends and keep n = years rather than quarters.
I typically do n = 30, since 30 years is both a long time horizon that is realistic, and coincides when I will hit “retirement age.” You will have to decide how far ahead you’re planning. For most people, they are net purchasers of investments while working and net sellers while retired, so keep that in mind. Note that using years instead of quarters will lessen the amount of compounding, and will provide some cushion in case you’re wrong.
Interest is one of the two variables you have to guess at. Typically, one would put what you expect the actual long-run interest rate to average for this investment. Unfortunately, this is really difficult. Instead, I use a rate that represents my opportunity cost. There are any number of relatively safe ways to get a 5% yield on money invested, so I generally use i = 5% to represent that this asset has to perform better than a utility or telecom or real estate investment trust. Feel free to use what you feel is most appropriate for you. A higher interest rate will lower the value of the asset, so high-balling this number will provide some cushion in case you’re wrong.
The second variable you have to guess at is the growth rate. If you’re looking at the dividend, you want to know how fast to expect it to grow over time. If you’re using the EPS for C, then you want to see how quickly the total earnings are growing per share. This is extremely difficult to predict. I recommend taking the 5-year growth rate and halving it. Dividends will also be more predictable here, as most companies pay out far less than they make, which means even if EPS grows slowly, the dividend can still grow quickly for many years after a boom is over for the company. Note that lowering your estimate for G will lower the value of the asset, so low-balling this number will provide some cushion in case you’re wrong.
OK, so let’s walk through an example. I’ll use Abbvie, a biotech/pharmaceutical company. It has a quarterly dividend for the coming year of $1.30/share. Its dividend has an 18.5% growth rate over the last 5 years, and has grown it for the last 7 (it’s only been around for 8 years).
I assumed a growth rate (G) of 7%. I used $5.20 as the starting dividend this coming year and used years for my n = 30. As always, I used i = 5%.
This gave me an estimated present value of 1 share of Abbvie at $197.94. As of writing this, Abbvie shares are trading on the market at $103.43. This looks like a screaming buy, but first let’s look at why I have a high degree of confidence.
Note how the interest was higher than the going rate – I used my “low-risk alternative” as an opportunity cost. Abbvie has an extremely high rate of growth for its dividend, so I took less than half of its current rate. I also calculated annually rather than quarterly, which reduces the impact of high rates of growth. That’s three places in the equation where I consciously lowered the estimated value of a share of Abbvie, and it still came out as a strong buy – spending less about 50c for a dollar!
I do this because even if I’m wrong in some or all of my predictions, I now have quite a bit of room to be wrong and still make money. It’s like how you don’t walk next to a steep cliff, right? You should know how to walk where you want to, but there’s always the small chance something could cause you to slip or put a foot wrong. But if your plan is always to be 5 feet away from the edge of the cliff, the odds are that you’ll not go over the edge even if you fall down.
Many people feel this is over cautious. But let my portfolio speak for itself. I’ve beaten the S&P 500 index fund every year except one since 2008. My brokerage only keeps digital records back to Dec 2015, but the S&P 500 returned 101% since then – with dividends reinvested. My own portfolio has returned 256%.
So caution is still very high reward. In fact, if you just don’t lose, you’ll do better than the vast majority of professional money managers (about 85% of whom cannot even match the index funds).
Due diligence still has to occur
Now, we can’t just go straight out and buy Abbvie – though it’s a high profile company that receives lots of investor and regulator scrutiny so it’s less likely to have a landmine than most. Just to make sure, you’ll want to do the following before buying shares in this company:
-Check the debt load. If the debt is very high, has very high interest rates, or has a lot of it maturing very soon, then this is a yellow flag. It doesn’t mean don’t buy, but make sure you understand the structure of the company’s debt and make sure it won’t impair the company’s earnings going forward. This information is found on the balance sheet. Abbvie has $97.287 billion in long-term liabilities such as debt, pension liability, and deferred taxes. That’s a lot compared to their assets, but they also are owed some money, so it nets out about $90 billion.
-What’s the book value? Book value is fairly low at $8.65/share. This is pretty much the assets minus the liabilities. Abbvie is in a knowledge industry, however, so you shouldn’t expect their main assets to be physical capital that can be sold. It’s mostly organizational or human capital from their workforce, so this isn’t worrying. If Abbvie was, say, a retailer with stores and land and inventory, you’d want this to be much, much higher for the share price. There’s no easy way to judge this one, unfortunately, but it’s good to look it up and you’ll eventually get a feel for it. No red flags here.
-What are the catastrophic risks that even you or I could think of? For a company in the pharmaceutical space, the obvious answer is regulatory and political risk. Regulatory risk is just want it sounds like – more regulation which can be either costly to comply with or lower profits. This does have an upside, which is that it makes it harder for new competitors to enter a market, so I tend to be rather sanguine about regulatory risk. Political risk is much more severe. This is when politicians decide to either confiscate a company, target it specifically rather than the industry it’s in, or other ways in which the government is involved with taking rather than regulating. In Anglo countries (US/UK/Canada/Australia), the rule of law is typically strong enough that this doesn’t happen much, as there is usually some kind of due process. Places like China, Argentina, Russia, and the EU are much more likely to nationalize or otherwise capriciously penalize a company due to the prevailing political winds. Abbvie has a global footprint, but that also means it’s diversified against such risk. It’s headquartered in the US, so it’s unlikely someone will simply take the entire company.
-Payout ratio? Abbvie has a fairly high payout ratio (80% for the last completed fiscal year of 2019), as they have been aggressively growing the dividend. That’s another good reason to input a much lower G than the last few years. That being said, Abbvie has been around for 8 years (it was spun off of Abbott Labs) and has grown its dividend for the last 7 years and has announced it will this coming year as well. The payout ratio is pretty high, but not worrisome. It suggests a fairly mature company that’s now returning cash to shareholders. I’d say this is not nothing, but less than a yellow flag for me. Any company with 95%+ payout ratio is much more vulnerable to a dividend cut.
-Credit rating? S&P gives Abbvie a BBB+ grade for its unsecured debt. This is a slight downgrade because their balance sheet is currently digesting a big acquisition from early 2020 (Allergan). Moody’s gives it a Baa2 rating for unsecured debt. These are both good, solid, investment-grade credit ratings (if you were buying the bonds of Abbvie). This looks great.
-Does it need a genius? Some companies run on all cylinders because they have a genius at the helm – often a founder. But what you want is a company any dummy can run, because sooner or later any dummy will. Don’t plan to invest long-term in companies that require skilled management. Abbvie is fairly diversified and has an OK pipeline of research. They also can buy little biotech companies that invent something but can’t navigate the regulations to bring it to market. So pondering giants are actually a good thing. Means they’re hard to break.
So, given that there was nothing obviously treacherous in our basic due diligence, and the extreme discount at which our example is selling for, this would be one you might want to buy! This is what I do for all the companies I invest in.
Notice that there is no story, no excitement, no narrative, no counting on good or bad management. Emotion has no place in investing. You also will notice that we took every opportunity to reduce the risk of losing your capital by always sandbagging the estimated value of the company. You never want to pick up nickels in front of a steamroller. You want the investment to be so obvious it hits you in the face like a baseball bat. If you’re ever on the fence, don’t do it. You don’t have to hit home runs – just don’t strike out.
You can be even more conservative in your estimates than I am. If, for instance, you used 5% growth rate for Abbvie’s dividend, you’d still get a present value of $148.57/share vs the current market price of $103.43. Similarly, you could use a higher interest rate, which would also lower the estimated present value.
You may have to do this calculation with more companies to find one to buy, but even in a very expensive market like today’s, there is always an opportunity. You don’t even have to look at little companies. There’s around 500 companies in the S&P – just start with “A” and work your way through all of them.
A quick note about further reading: I very strongly urge most people to actually read as little as possible on this subject once they get the basics. That’s not because there’s not more to learn, but because I would sadly say the majority of what I see and hear is actively bad advice. But if you do want to keep up with financial news and books and chat boards, the best thing to do is find out what the historical returns of the person giving advice are.
Since WWII, the long-run return on the S&P 500 has generally been just a bit shy of 10% per year. If someone can’t beat that, year-in-and-year-out, then their advice is worthless. As in, you don’t want to accidentally absorb it. This is, unfortunately, true for most professionals. Over the last 15 years, 92.2% of actively managed funds have underperformed a simple S&P 500 index fund (and they charge you fees for the privilege). Beware anyone selling something. The advice here is given freely
That’s why I made a point of mentioning that I have and regularly outperform the standard fund almost every year. Granted, I don’t have many of the regulatory restrictions a public fund would have, but it shows how useful the advice I’m giving here is. You don’t need anything fancy. You don’t need anything high risk. I’ve done this through two deep recessions and the longest bull market in history.
If you want to learn more about investing in general and where I learned how to do this, you can read Benjamin Graham’s The Intelligent Investor. It was written in the 1930s, so much of the technical information is out of date. Skip over that and just read it for the concepts.
Even easier reading is to go online to Berkshire Hathaway’s website and pull Warren Buffett and Charlie Munger’s annual letter to shareholders. Almost all of them have something useful in them and don’t make you do equations.
I am available for questions in the comments
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Online Dating Field Report: TLDR; no, don’t bother

I know online dating is something FDS generally advices against. However, I needed to meet men outside work/social circles, so I dove deep into the tinder and bumble rumble in the jungle, armed with FDS principles and solid self esteem, to give it a good go for two months.
If you’re considering OLD perhaps this will help, or help you save two months of wasted time. You’re welcome.
The goods
Let’s start with the product, me, because let there be no delusions, women are the commodity in OLD. Late 30s with my life and career in order, attractive, postgrad education, funny can hold a conversation and genuinely like getting to know people. I’m also mom to one awesome kid, I was upfront about this.
What I learned:
1. Statistics. I don’t have time to spend enough hours swiping to justify this as a side gig, so I paid. Tinder gave me 50% off Tinder Gold, and Bumble gave me a month of Bumble Plus for free. I suspect this has something to do with how popular you are as a woman on these platforms, it’s to their benefit to incentivise female membership.
On both platforms the paid version instantly shows you who’s liked you. The numbers are insane - I’m talking 2000+ matches a month. I’m not a model, I’m also not even that “young” according to the fairytale “wall” I was meant to have hit almost a decade ago.
Given that I was following FDS principles I did two things differently. I never messaged first (or on Bumble where it’s needed I made it a short hello and let them lead/show interest from there), and I unmatched at the first red flag. Around 15-20% of men messaged me. Most of those instantly or quickly self-selected themselves out of the process, I had conversations lasting more than a few days with about 20 men a month, TWENTY. That’s 1% of my matches. I went on three dates in two months (from OLD), 0.08% of my matches.
2. The quality of men is poor. Like, worse than the type of men you encounter in real life. This is because if you are even halfway to having your shit together you would never even cross paths with most of these men. They are not at your well paid job, they are not in your group of friends, they are not the hardworking blue collar worker you’ll encounter at the store, they’re not at the gym, etc. They are literally places you would never go, if they leave their rooms at all. Interestingly, this doesn’t stop them. They will still swipe right on your gorgeous well presented and determined derrière in what I can only describe as a case of patriarchal flurried delusion that there is any hope in hell that you’ll date them. I’m talking mattress on the floor, 20yrs older or younger than you, still married and non monogamous, took a photo in a stained t-shirt that says “Bros before hoes” from an angle that flatters his chin and nostrils while chugging a beer, skin drier than my vagina after seeing his photo. That kind of man.
3. There are few men matching who are your age. I was wildly popular with the 18-25 and 45-60 age groups. What I want is a man my age, give or take a few. This may be unique to my age, as I feel men in their late 30s are trying for women in their early to late 20s (let’s not even go into how gross this is...) so while I matched with lots of men my age, they didn’t always message, or if they did they were separated but still married/baby mama drama, or were not active fathers (red flag), or still “didn’t know what they wanted”.
4. Its mind-numbingly repetitive. Most people these days struggle to have interesting conversations. It’s boring, it’s repetitive, it’s basic. Attempts to add spark to the conversation are likely to fall on tone-deaf ears, you will have to explain jokes, it will hurt your soul and brain.
5. If you’ve got a typically “male” job prepare for the sound of shattering male egos. They will ask you what you do, you will tell them, the conversation will fizzle out, after they tell you their job is not as cool or make some comment about how they have thought of doing that too etc. I never had this issue when I worked “female” jobs .
6. Some men just want free female attention. Wow! You’ve found one who’s funny, your age, has a good job, conversation is flowing...but a week has gone by and they haven’t asked for a date? Un-match, it’s never happening, or he lacks initiative, either way it’s a dead-end. Historically men will go to incredible lengths for attention from women, yet here in the modern age we have cheap easy access to it with little to no investment on their end. Don’t fall for it.
7. It’s time consuming. Yes, even if you’ve fast tracked by paying and selecting from men who’ve already liked you. It takes away time you could be working on your mental or physical self, socialising and meeting people IRL, or simply having a warm cup of tea and watching laughing goat videos that make you happy. The cost of time is not reimbursed in any tangible way.
8. It engenders gambling mentality and lowers self esteem. What if you don’t check it today and miss the love of your life? I felt anxious at times, with a need to keep ‘on top’ of my OLD, further compounded by the new matches, or the many times I reworded my bio or curated the best photos to promote myself...it felt like trying to sell myself, which made me feel...like I was losing touch with my inherent unmovable value.
9. It led to focusing too much on dating/men. I found myself thinking more about men, dating, the desire to find someone special. I focused less on being happy in the moment with my life, which is a good one! It was a disservice to myself and those I love.
10. It is at its very core a flawed and ineffectual way of determining whether I’ll find someone attractive/compatible/a good match. I need to see someone, hear them speak, observe how they treat and engage with others, how they smell, their walk, their presence, etc. Someone who looks nice might be repulsive for some reason IRL, likewise I may have inadvertently been left swiping men who in person I would find attractive. Yes, someone should also be physically pleasant to you, but so much of what is beautiful is missed by a photo, and men aren’t known for flattering photographs in OLD.
So, my fellow FDSers, my two month science experiment has come to an end, and I’m very relieved! I went on more dates with men I met in real life over the months anyway. If you’re considering it, I would ever so gently suggest that you should pick a new hobby, read more, work on your body, make some new friends, almost anything would be better use of your time.
The one good thing to come out of this is a realisation that I’m finally appreciating that my single life is far preferable to dating anyone other than a HVM, who seem very very rare and unlikely to be using OLD anyway.
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Advice Needed: Relatives Pressuring Family Members to Attend Church

The relative is married to a cousin and longtime pals with my sibling, who owes him a big monetary debt and received personal favours such as job opportunities.
My sibling and his wife became estranged after he was charged with a sex offence and lost his job. He owed various loans to his wife and had also borrowed heavily from our cousin-in-law, who sought a lawyer from his church to represent my sibling for his offence. In the time between the legal charge, conviction and sentencing my sibling slept in the car due to his wife's fears that their baby would get Covid-19, despite him giving her all his wages from driving Grab (he couldn't do much else due to the charge) and being at his wife's beck and call 24/7 for baby supplies or grocery runs. He was warded in hospital twice, once for a craniotomy after a car accident and also in the ICU for sepsis on another occasion. Both times his wife did not care for him and implied that my sibling was our responsibility via text. After he served his sentence his wife refused to allow him home nor see his baby. He has settled into a new job opportunity thanks to my cousin in law and is renting a place from a friend.
My cousin in law is wealthy thanks to his family and used to drink to excess at expensive bars with my brother extremely frequently ever since they became pals 20 years ago. He is rich and his spendthrift ways influenced my brother. I am not close to my sibling due to this and other reasons like gambling and smoking which I am allergic to. A few years ago my cousin in law converted to Protestantism and started going to church frequently for his marriage. The lawyer he sought for my sibling is an elder at this church and he is now mentoring my brother with the aim of bringing him to church for marriage counseling. I support the mentorship because my sibling requires marriage advice although I wish it could be done without the need to convert to Protestantism. My sibling's estranged wife is a staunch Taoist so it is unlikely she will convert, plus she seems strongly tethered to her faith.
Recently my cousin in law started preaching to my mum and I (citing God frequently in his texts, saying God saved my brother not him etc) about joining his church. When I revealed I was baptised in an Anglican church, converted to Catholicism until I became more agnostic as I grew up (I still retain Catholic values like fasting, no premarital sex, no meat at Lent), he questioned my Catholic values if I don't set an example to my sibling by attending his church. I explained my sibling was much older than I am so it was hard to influence him; I did not drink, smoke, gamble as example, plus I have previously suffered from my sibling's behaviour. He tried to get me to attend his church's Zoom course (Alpha Online?) and I explained I attended Protestant churches before, including charismatic ones, and preferred the Catholic faith. I also said Catholics tend not to proselytize since conversion should be a sober choice not peer pressure (RCIA takes 1 year), and I was more agnostic and accepting of pantheism after I came to the age of reason.
My cousin in law and the lawyer church elder have started asking my mother to attend their church, hence I got concerned since my mum also attended church years ago with my late dad's siblings. She didn't convert or continue going after my dad passed on. According to my mum, my dad was also pressured to attend church and convert by his Protestant siblings but refused before he died. I asked him what funeral rites he wanted and he said "Freethinker" but due to my mum's Buddhism she chose Buddhist rites for him. She currently feels she has to attend church with my brother as a Thank You gesture to my cousin in law. She also believes we have to convert my sibling's wife from Taoism to save their marriage (imo it is unlikely).
I feel religion overcomplicates all these problems so I am unsure why we have to convert to Protestantism to get anything done. Recently I asked my cousin in law what denomination his church was, in case my mum attends. I found out online that it is Brethren but he seems unwilling to clarify what the denomination is about. He also explained sincere prayers will help save my brother's marriage because he thinks it's not right to divorce according to his faith (I agree in general) and asked me why I am so quick to suggest my sibling may need a divorce lawyer hence he attacked my Catholic values. I think my brother is getting a raw deal if the marriage carries on since his wife has evicted my brother despite him still making CPF contributions, refuses to honor her vows to not abandon him when ill and refuses to let my mum or sibling visit the baby after he has been punished according to the law. I am not very close to my sibling but I really don't want my mother dragged to church to convert to Protestantism out of thanks and gratitude. She is a moderate Buddhist as are her siblings. My Buddhist uncles and aunts are the nicest, awesome folk who have helped my mum a ton.
As a formerly staunch currently moderate Catholic the "converting people who are vulnerable and need a quick feel-good moodlifter" aspect of some Protestant churches is offputting.
Tl;dr: What can I do if my mum and sibling are pressured to attend church by his friend/cousin in law and boss whom he owes a debt to? Are Brethren churches are legit? Should I look the other way and let them try to convert my mum, sibling and sibling's wife even if it irks me?
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FIRE. What it's like, how to get there.

1What retiring early is like

It's fucking great.
I wake up happy, I do pretty much whatever I want during the day, I go to sleep happy.
I indulge my limited passions and hobbies, I plunge down fascinating rabbit holes of knowledge, I bugger off to places for months at a time (harder with Brexit, you xenophobic malcontents), I spend time with people I want to. I feel smug.
I don't have an alarm waking me up, I don't need to take any shit off anyone, I don't burn 90 mins a day on a loud bus screeching stop announcements at 90db in my ear.
In the summer I sometimes pop over to the local greenery, have a pint and meal, read a book, soak up the sun. Great stuff.
My phone is always on silent. It can wait.
People occasionally ask me “what I do all day”. If your imagination is so limited, living in such an incredible time, with so much at your fingertips, that the question even crosses your mind, then carry on working and bitching about it, you don't know how to be happy.
“Scipio used to say that he was never less idle than when he had nothing to do “ - Cicero, On Duties.

2How to get there

2.1Difficulty modes

2.1.1Easy mode: Get free university education, get a good job, buy a cheap house

Not too difficult if you were born in 1972. Easy mode is now disabled in the UK. Maybe available in foreign versions of the game, such as in Greece or Denmark.

2.1.2Medium mode: Don't have kids

I swear to god, I have been pretty lucky not to accidentally father a crotch goblin, and believe me, little Goocho often vetoed my brain. Use contraceptives. Notice how all the shit hole countries don't give women control over their reproduction.
If I had foolishly crapped out a kid, I would have had to work another 10 years at least I reckon. Ugh.
Borrow kids to play with them, and return when they start crying.

2.1.3Hard mode: Have kids

Look, if you are spending 100k or whatever to raise a kid I don't know what to tell you, at least you got laid eh?
I hope you enjoy working like I didn't. Seriously, if you have a job you like, great stuff, things will be much easier for you. The impetus to leave it won't be so great. The point of all this is to be happy after all!

2.2Control your costs

Filling your house full of nonsense is consumerism at it's worst.
I practice a kind of minimalism. So I don't own a freezer, a cooker or a dish washing machine. Guess what? They will never need repairing or replacing! But I do own an amazing OLED tv, a solid speaker system, loads of films and books. Minimalism is a whole other subject, and attracts the mentally ill who take it to extremes. Spend money on a decent mattress you fools.
Subscriptions are death by a thousand cuts, and will weigh you down. However Netflix and Amazon Prime are great. Shades of grey.
Screw charities, charity workers get paid salaries and you are supposed to give for free? Nope. Begging scum. “it is only the price of a coffee”, bitch please, I pay 10p a cup for my lovely coffee.
Pay your taxes. Don't be a leech on society.
Live in a small house.
Aldi is great.
If you don't get married, you can't get ruinously divorced, .
Insurance is generally a scam, if you are drunkenly fucking up so regularly than you need your phone insured, sort your life out.
You really need that car? Hmmm. If you are driving to the supermarket and paying for the gym, you are an idiot. Those two cancel each other out.
Only unhappy people play the lottery.
Buy a decent phone for £200, pay £5 a month for service. You think iFruit users will look down upon you? Comparison is the thief of joy.
DIY accomplishments are mentally rewarding, great exercise and cheap – or you can throw money at a problem to make it go away, this is the point of money after all, we sell and buy time with it. Before I buy anything big, I ask myself, is this worth x days sitting in an office for​?
Spend your money how you like, I am not your mum.
Enjoy what you have.

2.3Plan a little

Write down (don't guess) how much you spend a month over a couple of years.
For investments, assume inflation cancels out general increase in non distributing equity value. This is all a rough guessing game anyway, don't pretend it isn't.
I think there are two ways to look at when you can stop working:

2.3.1Cash drawdown per month until death

If you assume you are going to die around 85 (actuarial tables available online), divide your cash + private pension wealth + state pension amount will pay you until age 85 by the number of months left to live, this tells you how much you can spend a month before you die. Sounds like enough? Investment appreciation means you might have more than that.

2.3.2Cash dividends per month

You have a lumpsum of wealth. Flexible uk pension rules means you no longer need to take the annuity gamble. 4% returns a year seems conservatively doable. Can you live on that? Means you die with a load of cash. Stash it in your silk lined coffin.

2.4Play it safe, but not too safe

Assume laws and taxes will change. Don't count too much on that state pension.
If the NHS falls ill itself, you might need some cash to go private. Good luck getting that hip surgery in the next 12 months post covid!
If the stock market takes a 10% dump, you must still sleep soundly. Don't live too close to the edge.
Assume and hope your parents will spend all their wealth on themselves, having a happy end of life in an old folks home. Points off as a human being for relying on your parent snuffing it for free money.
What if your body conks out and you start shitting yourself and have to pay 4k a month to be served Dickensian gruel in a nursing home? Trust in the societal safety net? Work another 5 years just in case? Keep a cyanide pill by the bed? Sell your house I guess? I'm rolling the dice on this one. Maybe dancing in VR and these 50 degree Victorian terrace stairs will keep me fit (or kill me).

2.5Personal Story

Went to Uni, got a Computering degree, got a job I liked, autistic-ally worked at it, got paid lots of money, bought a house at 26 for 48k, parents threw in 10k to get rid of me, paid off the mortgage in 30 months.
After 8 years in said job, started to dislike it, took 6 months off work. Worked another 2 years before I got made redundant, 15k for doing nothing? Yes please!
Worked about half the time from age 32 to 46 as Contractor scum, in jobs I generally disliked or eventually hated. Had 2-3 years between jobs. Snatching retirement chunks from the future. I figured, why leave retirement until I am too old to enjoy it? Took around 3 months to get a new job each time, I didn't care, I loved not working!
Played casino blackjack for a couple of years for ~8 hours a week, made £12k. Shuffling machines have stopped all that now, was bored of it anyway.
Decided at 40 I had better get a pension, threw money at it when working.
So at 46, when I walked out on the pathetic management at my last gig (FIS Birmingham, you see when you are retired, you really don't have to give a shit!), I had worked for a total of ~15 years, thoroughly enjoyed not working and was sick of working.
At 47 I realised maybe I don't actually need another job? Started paying real attention to my finances.
At 48, I have 110k cash & 140k pension = 250k. 4% a year dividends = 10k a year. I can live happily on that.
£800 a month is enough. I spent £350 a month in December and January, had a great time. Will get a PS5 when available, boiler is bound to break eventually. It all evens out.
My state pension fortells a sickly £117 per week. Meh. Forgive me for not factoring that in too much. Who knows where I will be in 20 years? Hopefully sleeping in late without an alarm clock.
submitted by Shoddy-Software6567 to LeanFireUK [link] [comments]

I am 35 years old, make $56,000 ($231k combined), live in Seattle, and work in higher ed administration

Note: I was technically supposed to post this earlier this week, but noticed that no one was signed up for today (plus I was super busy earlier), so I'm posting a bit late, under a throwaway account! Fair warning: I'm VERY verbose, so this will be long!
Section One: Assets and Debt
As I mentioned above, I make $56k per year as an administrator in higher education. My husband (K) just got a raise to making $155k per year. He works as a lawyer, has been in the workforce for about 12 years. I won't get into too many details but he works for a small boutique firm, not Biglaw. He also sometimes gets a yearly bonus of around $10k-20k but it's not guaranteed or anything like that. K and I have totally combined finances, so the below numbers are for both of us. I have a humanities PhD but I decided to leave academia and find an alt-ac job. My current position has good work-life balance (I never work past 5 pm), but pays terribly and my university is very badly run. I'm hoping to leave higher education all together in the future and am currently enrolled in a certificate program to try to make a career transition to instructional design.
The big elephant in the room is that my husband, K, makes a lot more money than me. When we first met, he was paying off massive amounts of student loans and making much less, and I was debt free with a lot of savings, so we both spent about the same amount. Now he makes 3x what I make and we are both debt-free, so the difference is much more noticeable. We do argue about money sometimes (more in the past), but the reality is that I have a humanities PhD and will likely never out earn him, and he knew that when I married him, lol. Because of all the labor I do around the house and in our lives to support him as he works a much more intense job, I was very clear that I believed we should split our finances equally as soon as we got married. We don't have separate accounts and we generally check in with one another whenever we are planning to spend more than $100. This system works for us for now.
I also want to address the question about parental or family support. Although I technically paid all of my own bills since I got my Bachelor's degree, my parents supported me a lot by paying for my flights home to visit at Christmas or in the summer as Xmas presents/birthday presents. My parents also paid for my undergraduate degree (and K's parents paid for his undergraduate degree as well). They also gave us about $15k to pay for our wedding.
Finally, my parents recently gave me $20k as an "early inheritance." They told me they plan to do this every year (depending on the stock market). We put this money into a brokerage. I don't consider my parents rich, as they both worked hourly jobs in health care my entire life (as a nurse and respiratory therapist - both with only associate's degrees). We never owned a new car, when we went on vacation we stayed in hostels , and shopped almost exclusively at Goodwill. But they scrimped and saved and now they have over $1 million in a retirement account. So I want to acknowledge my financial privilege in that I came from this kind of background. K's parents are similar.
Retirement Balance: $186k (combination of 401k, 403b, 457, 2 Roth IRAs, and taxable brokerage account).
Equity: None, we rent.
Savings account balance: Approximately $45k.
Checking account balance: Right now, around 8k.
Credit card debt: Right now, around $3k. But we pay it off each month with our checking account balance.
Student loan debt: $0. We finally paid off my husband’s law school loans (around $130k), last year. I didn’t have any student loans from undergrad (parents paid) and my MA & PhD were fully funded.
Section Two: Income
Income Progression: I’ve been working in my current field for 3 years. I started off making about $53k and got tiny 2% “merit increases” twice. Then in July my payroll title was changed, which triggered a required raise of about $2k. (I am dramatically underpaid).
Before my current position, I was in academia. I worked as a visiting assistant professor for one year at my alma mater (made $50k for 9 months of work) and before that I was a graduate student for 7 years. I was paid $18k-21k in stipends each year and my tuition & benefits were covered. Luckily, I lived in a very low cost of living area and this was enough for me to live on without going into debt. I got my PhD in 2017. Before I was a graduate student, I taught English in Japan for three years and made around $36k per year. In high school and college, I had random jobs that provided grocery/spending money, but I was lucky enough to have parents that paid my tuition and my rent in college.
I’m currently trying to make a career change (as you will see in my diary) and enrolled in a certificate program which runs from Autumn 2020 to Spring 2021 in order to help with that.
Main Job Monthly Take Home: $7,634. This probably seems low relative to our joint income, but we max out our 401k (K) and 403b (me). I work for the state government, which means I’m also eligible for something called a Deferred Compensation Plan (457b). This is basically the same as a 401k but you can withdraw contributions and gains from the account at any age without penalty (of course, you still have to pay taxes). I also max this out, and the limit is the same as a 401k/403b - $19.5k. Also this number is before K’s raise is accounted for. It won’t increase until his end of February paycheck.
Other deductions - I have health insurance taken out (about $80 a month for me, K’s firm covers his premiums) and taxes. WA has no state taxes, so it’s only federal taxes. I used to have to pay $50 / month for a bus pass (K's was free), but I don’t pay any longer because I’m working from home during COVID.
Final note - the sum I mentioned in the headline includes a variable bonus my husband gets. My base pay is $56k and his is $155k (as of February 1). This year he also got a bonus of $20k, which is set up a bit strangely. About $4k of this was structured as a 3% matching contribution to his 401k and the rest was taxable income. In small law firms, it’s unusual to get any 401k match so this was nice.
Side Gig Monthly Take Home: None.
Any Other Monthly Income Here: We get some interest from our savings account… like $25 a month.
Section Three: Expenses
Rent: Rent comes to approximately $2,050 total for a one-bedroom apartment. Rent itself is $1886, then we have pet rent ($25 per month), bicycle parking ($15 a month) and water / sewage / gas, which is usually $120-150 (variable cost).
Renters insurance: $157.76, paid annually. $13 a month.
Retirement contribution: In addition to the 401k, 403b, and 457, which all come out before taxes, we max out our Roth IRAs. That means $500 each per month per person (for a yearly total of $6k each). As I noted up top, we match out our 401k and 403b (19,500 each) and our 457. My employee also offers a 7.5% match. K's employee offers a 3% match but it is included in his yearly bonus so it's not guaranteed (confusing).
Savings contribution: We put $500 per month into our emergency fund. We also put about $860 a month into our “sinking fund,” which covers large and small annual or sporadic purchases such as vacations, gifts, Amazon Prime renewal, car insurance and renters insurance, etc.
Investment contribution: $875 per month into a taxable brokerage at Vanguard.
In total, we save about 47% of our gross income. We can do this because we keep our housing cost low relative to our high income, we don’t have any debt remaining, we don’t have any kids or parents who need financial support, and we’re very privileged in a lot of ways. We are hoping to FIRE within 10 years.
Debt payments: None.
Donations: We budget $100 per month for donations, which includes one-time donations as well as some reoccurring donations. My husband does pro bono work as well. I would like to increase this by quite a bit, but I still have a hard time budgeting for donations because I spent 7 years living on approximately $20k a year. To go from that to making more than 10x that amount within 3-4 years is obviously something that I am very privileged for, but it is still hard for me emotionally to comprehend at times.
Electric: ~$50-100 (billed every other month)
Wifi/Cable/Landline: An extortionate $87.12 for slow internet that only works for Zoom calls about half the time. Do I really live in one of the tech cities of the future?
Cellphone: $170 (This includes both service and paying off two new iPhones. We could have paid them off up front, but it was actually cheaper by like $50 to go on a payment plan.)
Subscriptions: BritBox ($7.70), Spotify ($16.50), HBOMax ($16.50), We Hate Movies Patreon (my favorite podcast - $8.81). My parents pay for Netflix and my sister pays for Hulu, and we all share.
Gym membership: None. K and I both run and do yoga with YouTube videos. Before the pandemic, we went to yoga classes pretty frequently in person. I’d like to do some online synchronous yoga classes but find it hard to make time.
Pet expenses: Varies, but I budget $50 per month and also include an emergency fund for my cat’s vet bills in our sinking fund. She’s 11 years old and probably asthmatic, so I know her vet bills are going to increase over time.
Car payment / insurance: We own our car outright. Insurance billed yearly is $2,097, about $174 per month.
Regular therapy: $0
Paid hobbies: Nothing regular, sporadic language classes and art supplies.
Other expenses: Right now I’m doing a certificate to hopefully help with a career change. The total cost for tuition is about $5k and we already saved it up (included in our 'sinking fund') basically through spending less during the pandemic. I’ve paid two quarters so far, and the last quarter (due in March) will be a bit more - about $2.3k.
__________
Day 1
Morning: I wake up at 5:30 am. Ever since the pandemic, my sleep schedule has been shot. At first, I was so happy not to have to leave the house at 7:15 for my 45 minute bus commute and I slept in a lot. But the stress (and maybe getting old?) has made me an early riser, no matter how much I try to sleep in. I do value my early mornings with just me, my cat, and my coffee, though.
I start work at 8 am and begin by triaging my emails. I have a bunch of deadlines this week, so it’s busier than usual. My job tends to be very seasonal, and sometimes I have a ton of work and sometimes I have none and can work on other longer-term projects. I have a piece of toast for breakfast and place a Whole Foods delivery order for the following day at 10:30 am. We made a meal plan and put everything in the cart the day before ($117.36, including tip).
Afternoon: I have my lunch break from noon to 1 pm. It doesn’t really matter when I take my lunch break, since I’m salaried, but the others in my office are hourly so in the before times we used to always close our office during the same time. I have a piece of leftover delivery pizza and some spinach risotto that I made a few days earlier. I also have half a brownie – the last one from a batch I made a few days ago (K gets the other half). He also has leftovers for lunch.
I should say at this point that both K and I are lucky enough to have been working almost entirely from home since early March. An area near Seattle was one of the first places to get hit by COVID-19, and my state and both of our employers have been taking it very seriously ever since. Working from home hasn’t always been easy since we live in a 600-square foot apartment. Also, there is a three-story townhouse being built directly next door to us and I can hear the pounding in my dreams at this point.
Around 2 pm, I go for a 2-mile run. I feel like some money diarists tend to toss off things like “oh, I went for an easy 7 mile run,” at the drop of a hat, so I want to be clear – running for 2 miles isn’t easy for me; it’s exhausting, annoying, sweaty, and generally gross. Also I am very slow. But it has kept me sane during quarantine.
Meanwhile, my husband goes to our local pet store to get an enzymatic cleaner (our cat peed in one of our suitcases… I think it’s probably a lost cause, but it was basically brand new, so worth a try) and special weight-loss cat food. Our cat is an 11-year-old rescue from the Humane Society and she is a chonky girl. We had to sign a waiver when we adopted her, saying that we understood that she was very overweight, lol. Our vet recommended a special diet food, rather than just restricting her intake as we have been doing, so we will give it a try ($78). My husband also stops buy our local wine store and picks up two bottles. We’ve been doing a dry January, so this will be our first drink for a while ($27.53).
I have a phone interview scheduled for 4 pm – just a preliminary interview with an internal recruiter. It’s the first ‘corporate’ job interview I’ve ever had, since I’ve been in academia my entire life. I’m trying to make a pivot into instructional design / training and development. I’m just excited to get an interview. It seems to go pretty well, but who knows. They tell me they will probably get back to me by the end of this week.
Evening: My husband whips up a random meal of fridge remnants – pesto pasta with sausage and a fridge salad with feta and bell peppers. It’s pretty tasty with a little Sauvignon Blanc. During dinner, we play a card game we call gin rummy, although it bears no resemblance to the actual game. After dinner, I make a chocolate cake with orange buttercream frosting and we watch Cobra Kai.
Daily total: $222.89
Day 2
Morning: Up early again, a piece of toast for breakfast (very exciting). We’re out of eggs until our Whole Foods order arrives. I’m working on creating some tedious but necessary spreadsheets this morning.
Noon: Our Whole Foods order arrives around noon. Excitement! They’ve given us a half-rotten bag of romaine lettuce and substituted pecans for hazelnuts. I should probably just double mask and go to Trader Joe’s myself (our regular spot, only a 5-minute walk from my apartment). I’m just getting anxious about these new variants.
I have leftover meatloaf and spinach risotto again for lunch. Lots of meetings and more organizing spreadsheets in the afternoon. Around 3 pm, I go for my daily ritual - a 20-minute walk around my neighborhood. It’s still raining slightly but I need to get out. Halfway through the walk, I get an email from my apartment manager telling me the apartment will no longer accept debit card payments, direct deposit, or credit card payments for paying rent. In other words, only checks or money orders (?!). Ugh. Our lease is up in 4 months and we will not be renewing our lease. Our last apartment manager was a gambling addict who may have been stealing people’s identities, but by God, he kept things working. Ever since they fired him, this place has been going downhill.
Evening: I check my bank statements to update my budget spreadsheet and realize that I have been billed the wrong amount of rent. They actually charged me less than they should have. I don’t trust my apartment manager not to start charging me a late fee or something for this, so I call them up. They are baffled by how to fix this, which you would think would be the one thing you would want to get right, if you’re renting out apartments.
K cooks dinner – steak with a Roquefort sauce and glazed brussels sprouts. It’s from a French cookbook we recently bought and it is delicious. I work on classwork for my certificate program while he cooks. After dinner, I do the dishes and buy the 13th season of RuPaul’s Drag Race. I watch the first episode – lots of shocking twists and turns! I’m planning to watch the rest of the episodes together with my younger sister, M ($22.01).
Daily total: $22.01
Day 3
Morning: K has an 8 am dentist appointment, so he takes off early. He already paid for the work last month, so there’s no charge. I have a piece of toast for breakfast and get to work checking my emails. It’s 8:20 am and the construction crew building a townhouse next door is blasting mariachi music. I’m glad someone is having fun. At least the sun is coming out.
Someone at work has made a critical error, but it wasn’t me, thank God. I was the one who found out about it, but it’s still going to cause a big old headache for me. I’m ready to be done with this job. K and I go for a run so that I can exhaust myself enough to no longer be furious about said careless error.
Noon: I have leftover spinach risotto and meatloaf again – exciting. I’m busy at work but frankly, not a lot going on other than that. Still no word about fixing my rent payments. I’m not really willing to pursue this any further at this point.
Evening: I start making chili (Turkey Chili from the NY Times) and cornbread (from my new cookbook, Jubilee). K is doing some work on our investments when he announces that, somehow, a transfer was scheduled from our checking account to our savings account of $55k (?!) We obviously don’t have $55k in our checking account, so we start frantically trying to figure out what’s going on. Numerous phone calls later, we still don’t know if that was a hack, if my husband somehow mistakenly scheduled the transfer himself, or if the bank messed it up. Either way, it doesn’t seem like any harm was done since the bank with our checking account just declined the transaction. But it seems really strange and worrisome. We get to work changing the passwords on all of our accounts, just in case it was some kind of hack.
After dinner (and chocolate cake), I have a Zoom happy hour with a local friend. We occasionally see each other outside but it’s nice to have a longer chat from the comfort of our living rooms. We both love murder mysteries, so we signed up for a service where a company sends us letters with clues and we try to solve the mystery together. It’s a fun way to stay connected and look forward to something during the pandemic. The service costs about $15 per month, but I paid for it in lump sum for 3 months, so it’s not included in my budget above. I drink some wine and we vent about work (we work at the same place) before getting started on the puzzle.
Daily total: $0
Day 4
Morning: I sleep in a bit, which is nice. Get up around 7 am. My parents are both getting their 2nd vaccine today – they’re both in their 70s and I am so relieved. I send my mom a “congratulations on being vaccinated!” text and we chat for a bit. I have leftover cornbread with honey and butter for breakfast – soooo good.
Work is not particularly exciting today, but someone sends me a last-minute request for something that does not need to be so urgent. I feel annoyed. Still no word from the interviewers on Monday, and I’m beginning to suspect I wasn’t selected to move forward. Too bad. K pays for a Wordpress website for the year (it’s a work-related website, but sadly his work doesn’t reimburse him). It costs $92.48.
Noon: The mariachi music is particularly loud today. I stand out on my balcony in the sun for a while and watch the workers. It’s been interesting seeing a house go up next door in real time, especially since I’m at home all the time. The workers are balancing on the top of the third story wall without, as far as I can see, anything like a safety line. It seems unsafe, but I presume they know what they’re doing.
We booked a cabin for the upcoming weekend in the Hood Canal region of Washington to do some hiking and birdwatching. I want to be as safe as possible and not go to any grocery stores or risk spreading COVID in any way while I’m there, so I place another grocery order with Whole Foods just for some special treats for the weekend. The cabin has a small kitchen and a grill, so we’re planning to make a fancy steak salad on Saturday. I order chips and hummus, some fancy cheese and meats, Tate’s cookies (I’ve heard a lot of good things about these), a baguette, and the ingredients for the steak salad. I also order a few staples I forgot in our last order, like sweet potatoes, more coffee, and half and half. It comes to $87.41, including tip, but that does include like $30 worth of steak. For some reason, I can’t order a small amount of steak online, so I’m planning to freeze half of it for later. (I include this purchase in our vacation fund budget, rather than under our regular grocery budget).
Around 2 pm, K makes a quick trip to our local wine store to buy an Oregon pinot noir and some port to enjoy at the cabin ($59.45). This store has an outdoor walk-up counter where you can tell the owner what you’re looking for, and he brings you some options (the store is way too small to allow customers to enter during Covid). It’s fun to chat with another human being, even briefly.
Evening: After work, we spend a little time rebalancing our investing and retirement accounts. We decide to put more money into bonds and a little bit into REIT’s as a hedge against a potential crash or recession in the future. Then I start making dinner – Broken Eggs (Huevas Rotas) from the NY Times cooking site. You basically cook the potatoes in a skillet in water, spices, and olive oil, and then sauté them to crisp them up once the water evaporates. Then you add onion, lots of garlic, and finally some eggs. It is delicious. I eat it with leftover cornbread while watching RuPaul’s Drag Race season 13 with my sister – we watch the first two episodes. It’s full of twists and turns. A note about this – we have an elaborate procedure for watching shows together developed during quarantine whereby we start the show at the same with an earbud in one ear, while FaceTiming. I also have chocolate cake, of course.
Later, I get an email that I’ve signed up for HBO on Amazon Prime. I definitely have not. I text my mom, who shares my account, and she tells me she signed up by mistake. I cancel right away and luckily they won’t charge us for it.
Meanwhile, K is doing an online Japanese language class over Zoom. He’s been interested in learning ever since we went to Japan last January. I lived in Japan for 3 years so I was able to take us around to a lot of more obscure places and he really enjoyed the trip – it was a blast.
K starts a YouTube yoga class (from Do Yoga With Me – my favorite channel) and I join him for part of it before bed around 10 pm.
Daily total: $239.34
Day 5
Morning: I get up around 7 am and we go for a run first thing. I prefer running early in the morning because there are fewer people to avoid during COVID. We do a different route today – it’s longer (3 miles) but has fewer hills. It’s a slog, as always, but I feel good when I get back right around 8 am. I jump straight onto my computer to start checking work emails and my husband makes us avocado and egg toast for breakfast - it is absolutely delicious.
We talk about how our bathroom smells distinctly mildewy (yay for being a grown-up because I guess this is what we talk about now) and we buy two big buckets of DampRid on Amazon ($26.60). I’ve found this to be a necessity in Seattle. Mid-morning, I take a break from work and start packing for our trip to the cabin.
Noon: I have leftover potatoes and cornbread for lunch, and my husband has the leftover chili. We finish getting ready to leave and head out right after lunch, taking a half day. The only problem is that I have attend a meeting at 3:30 pm, so we head out hoping to get there in time. Our cabin is near Quilcene in the Hood Canal region of Washington, about a 2 hour drive or a 2 hour ferry ride + drive. We are initially planning to take the ferry both ways, but realize that we mistimed the ferry departure, so we drive the whole way instead. Luckily, there’s little traffic mid-day, and we arrive at our Airbnb around 3:00 pm.
The Airbnb is beautiful! It’s a small cabin handmade by the owner, whose house is next door. It’s very rural, with a beautiful view. It’s tiny, but has a little kitchen and a waterfall-style shower with river rocks on the floor. It’s a great place to get away for a short time. Luckily, it also has good reception and I’m able to sit in on my meeting with no problems. My husband also does a little work, and then at 5 pm we’re free!
In our planning, we decided to get takeout on Friday night, since the little kitchen isn’t designed for any serious cooking. We call ahead to a local restaurant to order burgers (one of only 2 restaurants in the whole town). It’s around 5:30 pm and the place is deserted. It’s a microbrewery, but they tell us they haven’t been making beer since COVID-19 hit. None of the workers are wearing masks when I walk in, but they put them on when they see I’m wearing one. I pick up our order - a few bottled beers and burgers and fries ($49.52 including tip).
Back at our Airbnb, we watch Big Trouble in Little China and enjoy our very messy, but delicious, burgers (it costs $4.39 to rent). The movie is very campy but fun. I love silly action movies, as you will see with my other viewing choices. We wrap up the night in a very exciting fashion, eating chocolate cake and watching old episodes of the original Star Trek.
Daily total: $80.51
Day 6
Morning & noon: When we wake up around 8 am, the weather is looking thankfully clear and even sunny! We were expecting rain, so we’re really glad. We decide to go hiking today, and we head out before even having breakfast, with snacks and lunches packed. Our first destination is a hike called Mt. Zion, but unfortunately, we run into enough snow 2 miles before the trailhead that we decide to turn back. We don’t have any traction for our Subaru and don’t want to risk getting stuck on a very narrow mountain road. Instead, we drive another hour or so to the Lena Lake trailhead, a very popular and less strenuous trail. It’s about 7.5 miles roundtrip with 1200 feet of elevation gain.
By this time, it’s around 11:30, but luckily there is still parking. It’s a great hike up, and we run into relatively few people. We always mask up whenever we pass anyone, as does about 50% of the people we meet. The others… not so much. Around a mile from the lake, we start to run into snow. It’s turned into a beautiful sunny day, and I’m loving seeing all this snow! It’s a bit slippery, but not too bad. We make it to the lake mid-day, and it’s super jammed – there’s only a small viewpoint accessible, so everyone is crowded in there. I feel a bit uneasy with all the unmasked people, but we manage to find a spot away from the crowd and sit down to eat our lunch of apples, chips, and energy bars. There are a ton of robber jays there (Canada Jays) which try to eat our chips. It is fun watching them, but I’m annoyed to see some kids feeding them – it’ll just make them that much more aggressive. Bad trail manners.
On our way back down, we get stuck behind a group of 5 unmasked adults, who refuse to cede the narrow trail to faster hikers. I’m a slow hiker myself, so, to be clear, I’m not angry at slower walkers being on the trail but have some self-awareness and let people pass! especially if you’re going to go hiking in a big group during a pandemic! We finally get back down and head back to our Airbnb.
Evening: Back home, we explore some of the trails our Airbnb host has set up around his extensive property, and then relax on the deck. The sun is breaking through the clouds and it feels wonderful to sit out in nature and feel the sun on my back. We open up a bottle of wine and have a few pre-dinner snacks (more chips and hummus). For this night, we brought ingredients to make a steak salad. Our Airbnb host has kindly set up a charcoal grill for us, so we grilled the steak and toast some bread on the side.
We eat dinner while watching the truly terrible Jean Claude Van Damme movie Bloodsport and finish up the very last of my chocolate cake. It’s amazing that anyone ever let Van Damme act… or should I say ‘act.’ I also have a Tate’s chocolate chip cookie or two, accompanied by a little port. My husband and I are truly very old people at heart, so we finish up the night watching a few episodes of Columbo.
Daily total: $0
Day 7
Morning: Unfortunately, K had insomnia last night, so he sleeps in pretty late. I drink coffee in bed and enjoy looking at the view out our big windows. Once he’s up, we get packed up and write a thank you note for our host. It was a great stay.
One of my big hobbies is birding and K enjoys wildlife photography, so we go out to look for some lifers! (The first time you see a new species of bird). Did I mention we are very old people in (relatively) young bodies? We first go to Dosewallips State Park and see some bald eagles, great blue herons, lots of various ducks, and a flock of Canada Geese, which, strangely, includes a domesticated gray goose. He’s much larger than the Canada Geese and seems to be watching over them. It’s kind of cute. Unfortunately, a lot of the birds are too far from shore to be seen clearly.
Our next stop is Point No Point (I love all the sad & disappointed names that early Westerner explorers gave places in the Washington/Oregon coast), a popular birding spot. We see a ton of birds here, and I can understand why it’s so well-known - Red-Breasted Mergansers, Western Grebes, Common Goldeneyes, Pacific Loons, and a few others I can’t identify yet. Most excitingly though, we see a whole pile of otters! They’re lounging around together on a rock just offshore and a ton of people are watching. We watch as they all slip off the rock and go hunting in the shore. It’s my first otter sighting in the wild, and it’s so cool! We also see some seals and possibly a sea lion. It’s a great spot for wildlife. We eat some snacks (hummus, chips, some sliced meat & cheese) before we head out.
I really want to come back to this area another time and explore further, but K has decided that we need to get back home in time for the Big Game. We take the 3:00 pm ferry back to Seattle ($16.40) and get home around 3:45 pm. I veg out at home while my husband watches football. He’s a Patriots fan but he still loves Tom Brady (??) so he’s happy to see Florida win. I don’t understand sports team loyalties at all, but whatever, I’m glad he’s happy. We order from a new Indian place called Spice Box and get vindaloo, roganjosh, and vegetables pakora – so tasty ($53.96). Happily, there’s enough left over for lunch the next day, since I have no plans for what we will eat yet!
I’m really dreading work the next day, as I know that it will be obnoxious. I want to get out of my job so badly, but it doesn’t look like I’m going on to the next interview stage for the job I interviewed no back on Monday. I’m feeling kind of down about it. I try to stay positive and promise that I’ll apply for at least 2-3 new jobs next week. I bake up some frozen cookie dough I had in the freezer and feel sorry for myself. We end the night by watching another episode of Columbo.
Daily total: 70.36
Food + Drink: $395.23
Fun / Entertainment: $26.40
Home + Health: $26.60
Clothes + Beauty: $0
Transport: $16.40
Other: $170.48
Grand Total: $635.11
I think this week was pretty normal for us. Obviously we spent a bit more than usual due to the weekend cabin trip, but nothing outrageous. Our largest consumer spending category is definitely food and drink – we live in a very busy area of Seattle with tons of restaurants and bars so believe it or not, we actually used to spend even more on eating out. We still try to support our local places by getting takeout or delivery during the pandemic and even occasionally getting a few drinks outside. I spent more than usual on groceries due to stocking up for the weekend away.
submitted by SupermarketWinter203 to MoneyDiariesACTIVE [link] [comments]

My story and start.

(22 M)This is hard. It’s been hard. I know in my heart gambling has done nothing but rip me to shreds mentally and ruin a good chunk of my life, but some how quitting has a stronger feeling than losing a long term friend or disappointing a loved one. Between 19-22 I have lost over $240,000 and counting. My entire life I have been stingy about cash and never spent a nickel on anything for myself, until I found gambling. Prior to gambling I was a happy, self made 19 year old working from home as a live streamer with a large platform I built for myself making more money than 90% of people my age with a hefty savings to show for it, had a girlfriend that I loved to death and wanted to make a real life with. Then it happened. Roughly 3 years ago I discovered online casinos and realized I only had to be 18 instead of 21 like my local casino so I decided to try it. Deposited $50 and turned it into $200, loved the feeling. Lost a deposit or two not long after, then the worst thing that has ever happened in my life occurred. I deposited my usual $50 and over the course of 10 hours playing online blackjack/roulette turned it into $30,000. At 20 years old I was sitting in front of a computer doing $500 spins on black while most people my age where splitting apartments so they could afford $500 for rent. That night I lost all conception of what money truly means and is. The same night I proceeded to lose the entire balance at the crack of dawn with my girlfriend sleeping 5 feet away from me. No words and actions could describe the shame and guilt I felt when I looked to my right. Not even an hour before that I could have stopped and woke her up to the news that I made $30,000 and it would’ve made a massive change in our life. Instead I blew it and was too ashamed to tell her or anyone for that matter. But now something clicked in my head and my brain said “you can win that again, you just need to deposit and take your time”. this mindset turned to a boiling rage, soon my deposits went from $50 to $200, to $500. Until my (joint)bank account was dry. I had gone completely broke at age 21 after being one of the most on track kids I knew at 19. The shame and anger I still feel now is like being forced to do a naked halftime show at the super bowl. After losing all the money I became enthralled in making more money so I could play. I slowly started to lose interest in everything around me that wasn’t gambling. Starting with my job (which I fucking loved and was so blessed to have) then my hobbies (lost interest in anything that costs money since that would be taking away my ability to gamble said money) and finally my love life. My girlfriend would invite me to do things and I’d blow it off so I could stay home and blow all my money or drive to the casino with my entire weeks pay to blow it at the tables and drive home furious to the only thing (which I didn’t see at the time) that mattered or cared about me, my girlfriend. Seeing the disappointment in her eyes as I blew everything we had and eagerly waited for the next sum of money to come from a paycheck or selling something I didn’t use anymore was the worst of it. The only person who ever truly cared for me and loved me, and instead of seeing that I was blinded in the fog of rushing to the atm to slip in my debit card like a junkie stabbing a needle in their arm. I am disgusted at the sheer thought of what my life could’ve been if I had never deposited that initial $50, but it’s something I now have to live with. And if I ever want to have a different version of a happy life aside from the one I missed this gambling shit has to stop. 4 months ago that same girlfriend left me (much later than she should have) and it crushed me more than a big loss at the casino ever could. The hardest part in my head to this day is I never got to find closure in my guilt or shame, and to my actions I don’t deserve it. Last month I didn’t have enough money in my account to pay for my dentist appointment up front so I lied to the receptionist about calling my bank, stood in the lobby and deposited the $25 I had into pokerstars, ripped it into $100 and withdrew to pay for my appointment. How sick and pathetic is that? What the fuck is screwed wrong in my brain and how do I change it? I honestly don’t know why I’m posting this, maybe I think I’ll find closure maybe I just want someone else to read my experience so they don’t make the same mistakes, maybe I just need it off my chest so I can stop living this guilt and shame. But I need to quit and I need help, I’m fearful to do it alone and I can’t figure out why. I feel a fear stronger than any fear I’ve felt before and it’s crippling me, it feels like gambling is my only true friend. I want to stop now. Thanks for reading I apologize for the length but I don’t have anyone in my life I can tell my story too comfortably so maybe the Internet can be that person. Please, don’t gamble.
submitted by Zach_6868 to problemgambling [link] [comments]

Let me explain what’s going on with wsb and the markets this week. Just because it’s relevant...

I’m not a market expert, I gamble in the markets and I’ve done pretty well...though I still consider myself oblivious to everything.
However, I think I can explain this in layman’s terms for anyone wondering what’s going on.
GameStop is obviously a video game retail store. Over the past five or six years, they have struggled keeping up with the digital age and online sales. Their reputation has been in the trash for a while, and pretty much everyone considered them the next Blockbuster a year or two ago.
So, because of this, hedge funds and big money billionaires start “shorting” Gamestops stock. “Shorting” a stock means to bet against the stock (if you short a stock, you think the price will go down) So big money was dragging Gamestops share price down 70-80% over the last few years, and they had GameStop sitting at around $4-8 a share at one point...meaning they successfully “shorted” the stock for years and netted themselves tens of billions of dollars in the process...the biggest short position was held by a hedge fund called Melvin Capital.
just to be clear, shorting the ever living shit out of a company is basically hoping the company goes bankrupt....tens out thousands of jobs are on the line here..at the absolute bare minimum
They were shorting GameStop so heavily either because they wanted to destroy them and put them out of business, or they wanted to drive the share price to pennies, scoop up 51% of the shares and orchestrate a hostile takeover of the company. These hedge funds have more money than all of us in the country combined. They have enough money to manipulate stock prices to where they want them so that they can come in and scoop up the shares at the price they want. They will push fake news stories, hit peices, target prices, etc all to manipulate the stock price. Everyone knows this, but everyone has basically accepted that the rich can get away with it.
Then covid came around. Covid absolutely completely demolished any retail box store. Everything was shut down, business came to a halt, and there wasn’t as much money flowing through stores like GameStop anymore.
So the bigwig Melvin Capital doubled down on their short positions. They wanted to completely drive GameStop into the ground. Hundreds of billions of dollars were placed on shorting GameStop.
Now let me get a little tiny bit more technical: when this guy shorts a stock, that involves him writing contracts called “calls” and selling them to people who want to take on the other side of his bet. When Melvin Capital sells a call, that contract represents 100 shares of GameStop...(this isn’t all exactly perfectly right, but for the sake of being easy to comprehend, ya know)
So Melvin Capital wrote hundreds of thousands of these contracts (each representing 100 shares) and the contracts basically said “I think GameStop will be below $20 by January 30” and he sold the contracts to anyone who thought that he was wrong. I think he said he sold these contracts for $18 each back over the summer. So back in July, if you thought GameStop would be over $20 by tomorrow, you would buy a contract (or 100,000 contracts) for $18 each. The higher the price goes up, the more money your call is worth. Once it gets to a price where you want to sell it, you can sell it to someone else.
But there’s another way to handle the contracts too...you can “execute” a contract. When you execute a contract, you are saying “okay, I won this bet, I want the 100 shares that my call represents.” So when that happens, the hedge fund who wrote the contracts and made all these bets with everyone has to go buy 100 shares (per contract) of GameStop at market price ($250 right now) and give them to the executor for $20 a share.
As you can see, if there are hundreds of thousands of these contracts out there, and everyone is executing them, this can cause massive problems for the hedge fund and any bank funding him with money.
Melvin Capital’s problem isn’t that he was short on GameStop, his problem was that he wrote so many contracts, that if you divvy all of them out, they account for 140% of Gamestops shares. Meaning, 40% of the contracts he wrote are representative of shares that don’t even exist.
If this doesn’t make sense, then you’re on the right page. This is fucking stupid—but it’s legal. And sadly, it’s normal.
So, this fund had an overleveraged short position on GameStop. Like wayyy overleveraged.
A user on Reddit, I won’t tag him here, you can find him if you look, saw this problem back in July and wanted to exploit it. He wanted to take on this hedge funds bets and call their bluff.
The theory became (again, this isn’t exactly right but for dummies) “if everyone can buy out the remaining shares of GameStop that actually exist, and just hold them, then we control the price of the shares that he has to pay when people execute their contracts.”
So people started buying these contracts for $18 each. People wanted GameStop to go over $20 a share so that they could win the trade against the hedge fund.
A couple of months later, Michael Burry (the guy The Big Short movie is based on) famous billionaire who called the 2008 crash also saw the same thing the kid on Reddit saw, so he invested $2 billion into GameStop in the fall.
Then another billionaire caught on and also invested around November....at this point, GameStop is trading $14 ish a share. But with these billionaires coming in to invest, a more positive vibe started gaining around GameStop
Add to the fact, GameStop hired all new board executives and came out with a worthy business plan for the future 6 months ago. They have a plan to stick around for a while.
So...this month the over leveraged short position kept making more and more airwaves around wsb and investment forums. People started believing in gamestops business plan and the two big billionaire investors joining in was a good catalyst to start moving the price upwards a few bucks...
The theory on Reddit became a thing...it was still kind of a meme at this point, but as hours passed, it became clear that this was actually going to be a thing. So as the math checked out, and it was spread around the internet, big names caught on and started talking about it.
Elon musk tweeted about it, millionaires started pouring money into it for a couple of hours, making bank, and donating it to charity just so they could go on the news and explain what was happening
Now, rewind a week from today, and let’s look back to these contracts really quick...they all expire on fridays. This Friday, (tomorrow) a lot of them expire. Meaning, his side of the contracts is going to be literally worthless unless GameStop goes back to under $20 a share—and as time goes on, more and more people are executing their calls, forcing him to buy millions of GameStop shares at $40 a share and sell them off for $20 a piece.
Then the hedge funds obviously started feeling the pain as contracts were getting executed and their side of the bet was losing massive value quickly. So they took to social media to start posting bullshit videos explaining why gamestops price will crash to $20 a share.
The first video, they announced was supposed to happen at noon on Inauguration Day. That morning, GameStop was up 5-10% and they tweeted “out of respect for president Biden, and the inauguration ceremony, we have decided not to share the video today”
The next day, they claimed they would release a 5-point video on why GameStop would go back to $20 a share. While this is being announced, GameStop shoots from $30-75 a share in minutes....that 5-point video never came.
This showed everyone that the hedge fund was backed into a corner and what everyone was doing was working. So shit became real. Everyone realized that the theory was working.
As it became more and more clear, twitter, Instagram, Tiktok, YouTube, etc all joined in on the action. People got their grandma to sign up and buy a share of GameStop. Wsb users put advertisements on channels like Mr Beast telling people to buy GameStop. Everyone and their mommas were buying a share of GameStop just to “stick it to the man”..even the intellectually challenged Facebook people started getting in on the action. It became a form of activism, from both sides, almost a type of Occupy Wall Street movement. But instead of blocking the corrupt billionaires paths to work in the morning, we just all ganged up together and beat them at their own rigged game—they’ve lost over $90 billion on this one trade alone so far. We broke them this week, and they don’t know what to do about it. And the best part is, the worst is supposed to be far from here.
Wsb figured out that if they literally ask for $1000-5000 a share for their shares and not sell until that point, it’s totally possible for it to get there. That’s why Robinhood and all these banks are playing dirty today
When Elon tweeted a couple days ago and GameStop shot from like $90 all the way to $220 overnight. Now, the hedge fund is forced to buy shares for $220 and sell them to people for $20...this is why the .0001% and Robinhood are squirming right now.
A major hedge fund got caught with their pants down and got beat at their own game one single time. Now they aren’t happy about it.
So, the bank that funds Melvin Capital is called Citadel. Citadel is losing a shitload of money off of Melvin Capitals trade as well as Melvin Capital. Citadel also owns Robinhood. The money you get from Robinhood comes from Citadel....you see where I’m going with this??
A lot of Melvin Capital’s calls expire tomorrow. People will be executing those contracts like crazy. They need to be able to find enough shares to account for all the contracts that was executed—this could be rough considering there’s more shares within the contracts than there are actual shares. So conspiracy tells me that we can’t buy those shares so that Melvin Capital will be able to cover his ass tomorrow.
Citadel probably told Robinhood to stop selling GameStop today. At this point, a class action lawsuit will cost fifty times less than losing this trade.
Edits: fixed grammar and words and stuff
submitted by TOADSTOOL__SURPRISE to replyallpodcast [link] [comments]

JoJo's Bizarre OC Tournament #5 - Nix Ripa and Arthur Lifeson vs Cairo Satori

The results are in for Match 10. The winner is…
Ananas “Agnes” Bayley, with a score of 72 to Guy Manuel-Mota’s 69!
Category Winner Point Totals Comments
Popularity BADD GUYS 18-12
Quality Suburban Regalia 22-23 Reasoning
JoJolity Suburban Regalia 22-24 Reasoning
Conduct Tie 10-10
Amidst the sea of concrete snow that the stage had become, egged on by Agnes’ unusual encore request that Metra had agreed to, the killing intent of the self-styled villain and master mixologist had won out against the comparable brutality of the affable mercenary who had tried to take his life with just as much brutality.
The crowd, though annoyed by being utterly doused in carbonated everything, literally tossed around, literally watching their fellow partygoers exsanguinated and turned into meat puppets, did not allow it to ruin their fun, cheering on for Metra and her eclectic song choices. Agnes hopped off the makeshift surfboard he’d constructed, his opponent cut to pieces and speared and speared to hell, and it a testament to the sheer resilience of Guy-Manuel Mota that, even in such a gored, pulverized state, his opponent wondered if he was actually dead.
Regardless, he wasn’t getting back up, or reassembling, or pulling any more surprises or attempts to play possum. Realizing that it was over, Agnes was shaking. Breathing heavily. Hints of tears started to form in his eyes… but before he had a chance to cry, he arched back, laughing into a sea of concrete snow.
He’d won again.
“There you go, Metra, your show is saved or whatever,” he said with a mocking flippancy as she left the crowd to meet him backstage, “and I didn’t even kill any of these guys who paid to see you… They’ll just have to deal with sticky-wet clothes and some broken limbs.”
“Can’t believe this happened again… And I just had no choice but to keep singing and dancing.” Metra rubbed her hands on her arms, shaking her head. “I’m sick of this shit… I thought it was all almost over, but it’s just going to be forever in this city, huh?”
“Probably,” Agnes said, still half-laughing through a strained face, “just a constant, encroaching wave of ‘despair’ every waking moment… Way I see it, either you ride that shit as far as you can, or you let yourself drown. Doesn’t make a difference to me which you do.”
He glanced up at the ceiling then, cupping his hands. “Hey, fuckers! I won now! I beat the guy you sent! Get on the biggering or I’ll burn your casino down again!”
The game had, in fact, been won, and Agnes and Metra were the first to start to be free of its grasp, along with the spiked and bloodied separated bits of Guy, still pulsating ambiguously.
“He’s out for blood.” Tigran declared, warning the others Entertainment District highrollers observing, as he produced a deck of cards. “My Stand can’t hold him at that size much longer… But this whole place is about to be flooded with people, too. Duck into somewhere, and get away in the confusion.”
He spoke authoritatively, and even his sole superior, Fox, complied with his wishes after an urgent glance. “I… I’ll come for you! I promise I will!”
Tigran didn’t hear much more of that, then, beyond the sounds of Pork Soda’s Stand cry amplified by sonic boosts courtesy of Metra Doria. He fought impressively with little more than a deck of cards, but even then, could only buy his friends the seconds they needed to get away, live to gamble another day.
Tigran “Golden” Sins, User of ‘The Grid
Retired!
Face broken in nearly a dozen places by Agnes and TD/MD, the 48 year-old owner of Heartache Casino would be very quickly interned at Red Clay penitentiary, Metra insisting that her ally not kill him.
As thousands of confused concertgoers suddenly grew to full size and began to flood the halls of the Alexander Dickinson Amphitheater, the rest of his accomplices were able to escape the authorities yet again. Despite his extremely infamous protectiveness towards his face, he almost seemed to wear the damage with pride, knowing that this time, it represented having allowed the only man he considered greater than himself to run free yet again.
Red Clay Penitentiary - Industrial District
“Well, well, well, isn’t this a small world now? Tigran Sins, now in my care… Certainly less of a looker than I’d heard.” A dark-wavy-haired twenty-something sat snickering in the warden’s big swivel-chair, clad in a sleeveless velvet minidress, what of her flesh was exposed covered in flickering tattoos resembling closed eyes, flanked by uncanny-looking guards. “You don’t know me, but I’ve certainly heard of you… Of how you treated someone I hold dear very cruelly. Don’t you understand we’re all Stand Users trying to live our best life, Mr. Golden? I’m not the one who hurt you and threw you in here, and you’re not the one who said that I needed to be kept half-starved at all times so I couldn’t create anything.”
“Wh… Wait. Who the hell’re you?”
“Did my sweetheart never mention me, or do you just not pay attention to anyone but you and yours?” She leaned forward, bridging her fingers together. “I’m Palmer. I was a drama teacher at a small-town high school, but they kept overfunding football, one thing led to another, and now… I’ve got some serious vision.”
Tigran would be the last inmate admitted to Red Clay before a coup months in the making finally came to fruition.
Hey, yeah, Palmer! Remember that fun NPC? She was dating Mr. Jones and killed four people for him! Anyway, yeah, adjacent to him, an all-out meanspirited brawl in a sewer is taking place, feat. two chaotic clowns and two very frustrated young women.
What rotten luck this had been.
That leak, now of all days, when Being So Normal, Cairo Satori’s pet project that they had been slaving away at ever since setting foot in this series, had the deals with the devil that it had been built upon from the very beginning exposed for the world to see, and the city, which had loved every second of it before, had now been divided sharply between the loyal fans remaining and those protesting the entire thing, demanding the resignation of their producer, the cancellation of a show which had been picked up by so many streaming platforms, had already begun to make so much for the people who had made a livelihood of it all.
With the connection to Andrew Tiffany’s demise, even the oh-so-loyal Purple Flying Man resigned with only a short argument, and even the damage control removal of Caroline Jeffords, responsible for the worst of it, did little to contain the fact that Cairo knew about this, and Cairo allowed this to proceed nonetheless.
What, were they going to just throw it all away at the last minute? Ruin lives, tank companies, get how many people laid off? All over the failures of those close to them? Of course not.
“Cairo, dear,” the voice of that ever-troublesome producer, Million Dollars, muttered into a cell phone for them, “I’m going to need to go under the radar for awhile… People are beginning to look into my own affairs as well. But know that, as always, no matter what, you have my support. This show isn’t just a cash cow, Cairo… It’s an example. An example for the world to look to, and something for Stand Users to aspire to be better. I know you’re probably mad at us as well, but… You know that, don’t you?”
“Dollars… You’ve got a lot of nerve, trying to plead with me right now,” Cairo answered, tense in what had been their green room, sitting in the mall their producer had owned, “we definitely need to talk about our future… But we need to have one, too. Of course the show must go on… Nothing’s gonna jeopardize that!”
Free Viper Strip Mall, Suburban District
In recent times, the atmosphere at Free Viper was… somewhat dire. In fact, it had been on a rapid decline since that fateful day a couple months ago when Bert hijacked a ritual meant to challenge fate and did so, while murdering tens of thousands of people and injuring far more than that at the same time. Actually, Black Knight Penitentiary Album’s death and the realization that Remix was a serial killer came before that and weren’t very uplifting either, but what Bert did was somewhat hard to top.
Either way, the realization that he found one of the most morally bankrupt groups of people to team up with in Los Fortuna was one that Arthur Lifeson had reached not too long ago, and though it was somewhat of a painful thing to come to terms with, he had no choice but to do so and simply carry on. Bert had died, and the least Arthur could do from here on out would be to do his best to assist the city of Los Fortuna and bring justice to those who deserved it. The city certainly needed it, given all that was occurring right now.
For all the time Arthur spent in the city, he hadn’t gotten enough of note done yet… but that was soon to change. He had a plan in mind, one that would help keep the city and the world of stand users as a whole from devolving into further chaos. Before he could put it in place, however, he’d have to get some help.
Los Fortuna Shopping District, Sweet FA Mall - The Next Day
Nix Ripa had been in this city for months now, and in that time, all he had done was tear down walls, break buildings, break people who had dared to step all over the safety of others, of those too weak to bend fate to their whims.
It was despicable to him, and the icy Stand User was seething with hot rage. Those without the power to change the world themselves were pitiable, in their ways, yet at once, he knew they were not above help… That they needed to be driven higher, reach for the stars rather than wave to the heroes they saw in them!
When Arthur Lifeson discovered and contacted him, he did not hesitate to make his way to the megamall in which this was all set to culminate. Rather than in the comfortable solitude of the Black Hill Estate, where he could train without disruption, he’d even spent the night in an alley nearby, wanting to be able to spring out first thing in the morning!
When he did, then, as if on schedule, the older bearded man who had requested his help stood at the foot of Sweet FA, looking himself quite regal with that increasingly modified Medieval Times getup.
“Sir Ripa… It is an honor to meet in person, with yet another warrior of great acclaim.”
“Heh… I’ve seen you around,” Nix answered, stretching off the sleeping-on-a-dumpster aches and forcing out his hand, which Arthur, in turn, grabbed firmly, the pair locking fingers tightly and staring one another down intensely. “Did a damn fine number on those guys at this very mall awhile back… And it takes some guts to drive out into the Middle Finger for any reason! The mountains are where I do my most intense training of all!”
“Aye, I regrettably was fooled into following the glorious allure of Being So Normal… I lack even your good reason, of how you and your fallen brother-in-arms, Sir Rains, apprehended a true villain in the process of this fight, and even a black knight who would have put a past companion of mine to shame with her depravity.” He looked towards the space and shuddered. “The show, it refused to show the truth, but the wounds from that grueling battle, the burns… They were excruciating. That witch Jeffords, nothing she’s touched can be trusted as a truth to show the world.”
“So we’re in agreement then!” Nix said, finally letting the handshake go as Arthur’s hand began to grow numb, rolling his arms around and turning to face Sweet FA. “I looked into this place, their mission statement, their show, their producer… Set a good example my ass! They just want the whole damn world to think there’s nothing better than being a Stand User! That the ground we walk on should be kissed just for what we’ve got! Well… I’m no goddamn celebrity!”
“Heavy is the head that wears the crown,” Arthur agreed, “and this mockery… It will not do good for the world to learn of us this way. A knight’s honor is not something we seek for glory, for congratulation, but because there is no greater purpose than to slay evil, to protect those who cannot for themselves!”
“Heh… I like you. After this, we’re sparring ‘til one of us can’t move!”
Nix led the way in there, then, Arthur feeling pause for a moment at the sheer intensity of his companion. This was not of fear, however, or of a sudden feeling of inadequacy at someone so much younger, yet so much more driven than him.
Nay, he had been filled with more righteous determination than ever, and with a battle cry that led to a family with two kids in a stroller staring his way, he ran in after him!
…
…
As soon as they reached the main foyer of the mall, both of them realized, in tandem, and Nix spoke first, “…this place is huge as hell! Where do we even go to smash shit up?”
“I… That. That is a good point! Perhaps we should conduct a map kiosk, one which says ‘you are here!’ Ugh, those are always a pain to read…”
“I’ll help you.”
Both turned, then, to see a very fashionable teenager, clad in a purple aviator cap and goggles, slim and bearing a dour expression on his face. All who had hung around Cairo would recognize the Purple Flying Man from someplace or another, as well as all the extremely online and influencer-following of Los Fortuna.
“This show… They’ve done so much to capitalize on my uncle’s death. They’ve actively stopped the truth of whatever might have happened to him from being investigated with their frameup… And this conflict, I have lost two of my brothers to it all over again.”
He paused, then, and the two men seemed to trust him.
“You won’t be able to erase the show completely… It’s already had a limited run in this city. But masters, extra footage, content they were going to actually send out… There’s a storage space nearby… Most of the show’s data is backed up, of course, but that’s where everything is being saved. If your wish is to sabotage Being So Normal, to ruin its international release before it can cause any more harm to the outside world, that is where you go.”
“So you’ve had a change of heart yourself… I am thankful to hear that, Purple One…” Arthur snapped his fingers, then, as if remembering his name. “Right, now I remember! ‘Afton,’ wasn’t it?”
Purple’s face faulted. “Erm… N-no, eheh. It, uh… It wasn’t that. I haven’t been anything but ‘Purple’ for a very long time.”
“No matter what you’re called, an enemy of this show’s from within is just what we need to make this a little less of a pain in the ass!” Nix declared. “Lead the way!”
A Series of Backstage Halls Deep Within Sweet FA
Acrobatic and stealthy as he was, after leading the way in for those who had sought out this quest to begin with, Purple hurried along deeper inward, well aware that it was likely this place would not be unguarded, and meaning to scout ahead, maybe even fight a bit if he absolutely needed to.
He really, really did not want to, and so far, it wasn’t reassuring to him that nobody had interrupted them. No show staff, no Stand Users, not even some rent-a-cop had yet gotten into the way of this.
As he made his way to a security room, quietly bemoaning the fact that he would never live down infiltrating a security room with that damned nickname Bad Apples had given him, his worst fears were confirmed.
His friend, his confidante, Cairo Satori was sitting in a swivel chair, watching screens displaying the entire mall and idly leaning their head into a metal baseball bat.
“Purp…” They spoke up without even turning to face him. “Wasn’t expecting to see you again so soon! I mean, with everywhere you’ve blocked me, privated your accounts… I was under the impression you needed some time away from the show.”
Purple hopped down, then, walking closer towards the chair, clearing his throat and pondering his words clearly.
“The show needs time away from the show, Cairo… You know damn well why I brought myself back. Come on. You know this isn’t right… It doesn’t have to be this, and even just delaying could save-”
“Delay, huh?” They stood, twirling that bat they’d always carried around. It didn’t worry Purple. He’d never seen them actually using it. “C’mon… You know it’s not that simple, buddy. I’m just trying to make sure everyone has a good time… Already, I’m cutting toxic people out of the show! Even when they’ll make it harder to make anything going forward, Caroline is gone! I’ll keep that producer on a really short leash! I am doing everything in my power to make sure that this goes well… C’mon, can’t you look on the bright side?”
“You… You already know my answer to that. You’ve betrayed my trust, Cairo. The trust of my uncle, of everyone you’ve worked with… Of this whole city!” He shifted in place, then, becoming a much more avian humanoid figure with its pose. “I am its lavender courage, and I am your friend! And as both, I cannot abide by-”
Cairo swang their bat, and as they did, the arms of a Stand emerged from their own hand and struck it as well, multiple times in quick succession.
By the time the bat impacted Purple, it was with enough force for the deeply resilient eternally-young ghost to be sent hurtling towards a wall, literally impacting it hard enough to leave an impression in its form, embedded and unconscious in a single swing. He was alive, and would walk this off, but he wouldn’t be getting back up today.
“Sorry ‘bout that,” they said, standing with the bat over their shoulder, ‘Peach Pit’ manifesting more fully by their side (drawn by the artist Boy George, as usual), “but I can tell we don’t have time to chat… I’ll send you a gift basket from the launch party, yeah?”
Then, their attention turned towards the others on the security room screens, addressing their Stand in the meantime, “uh, hey, Peach…”
“I’m on it,” the Stand answered, “Arthur Lifeson and Nix Ripa… I’m excited for this, honestly.”
“And you don’t need to know that I am to, honestly…” Cairo moved to press the intercom button.
“I heard violence!” Nix called out, balling his fists. “Purple found someone!” He began to rush forward, then, Arthur preparing to make a blade, only to be stopped by the crackling of an intercom button.
“Hello again! Wow, it really isn’t all that often that Being So Normal has repeat appearances, but that’s, what, twice in this promotional cycle alone?” Cairo’s voice rang through, then, and they continued, “I figured we’d see some trouble here, so I gave most of staff the day off… I knew it’d be types like you two who showed up, and honestly, I gotta say, despite the circumstances, I’m a bit psyched!”
“Cairo Satori!” Arthur spoke up then, waving his hands. “Put this madness to a close, before I have to put you to my blade! You need not fall victim to this any longer… To fight us is a waste of time!”
“Well, I’ve got time to kill, and nobody to talk to, now that my friend’s taking a bit of a nap. And besides, you think I’m gonna just let you destroy everything we’ve been working to build up because you don’t like a couple of the crew members? C’mon, have a reality check here! No way I’m gonna allow that… Especially not right now! Look, why not come talk to me after I’ve completely closed this Netflix deal?”
There was silence, then, and then they spoke up again.
“Oh, who am I kidding? We both know that this is only gonna end one way! If you wanna stop me from sending this show out for the whole world to know and love, and not just be another little piece of Los Fortuna’s super storied, super amazing history, then STOP me! I’m already sending Peach your way, and there’s no way the two of us will just get walked all over!”
Arthur shut his eyes in frustration, but Nix shook his shoulder. “We knew from the start it’d come to this. C’mon… Any more talking this through will be a waste of all our breaths.”
“Yeah! This pre-battle stuff goes on way too long, I swear! So much to cut down in post without missing the meat of it… But enough talking shop, yeah? Let’s get to what we’re here for… You wanna say it with me? …no? Okay, suit yourself!”
“OPEN THE GAME!”
Location:
A hallway to several storage rooms in Sweet FA Mall. The area here is 40 by 80 meters with each tile being 2.5 by 2.5 meters. The white tiles are completely out of bounds for this match. The light magenta tiles are the main hallway, the purple tiles are side hallways, and the red tiles are the rooms. Each room has a number associated with it for convenience, as shown by the purple numbers. The ceiling is 8 meters tall. The doorways are denoted by the dotted lines between the rooms and hallways.
The players start at the left end of the hallway and Cairo starts in the security room (room 5) to the right of the bottom center. Cairo’s Stand starts in the middle of the main hallway.
The grey X marked circles are security cameras on the ceiling that connect to the monitors that are represented by the yellow notched rectangles in room 5. The light blue rectangles in the main hallway are 4 meter tall metal shelves that house stage set up equipment such as stepladders, light fixtures, microphones, extension cables, construction tools, and anything else needed to set up or tear down a stage. All shelves are bolted to the ground.
The yellow stars are disks, tapes, harddrives and other recordings of the footage shot by Cairo’s show.
The walls are drywall while the floor is ceramic tiled.
Now onto the different rooms:
  • Room 1: Contains racks and cardboard bins of merchandise. The brown rectangles are cardboard bins of plushies and hats. The red circles are racks of clothing merchandise.
  • Room 2: Contains a mountain of chairs and other furniture within a 5 meter tall metal storage fence as represented by the light blue rectangle and the junk inside it. Each side of the fence has a chain locked door.
  • Room 3: Contains various cooking appliances and peripherals. The white rectangles are 4 meter tall metal storage shelves and the magenta rectangles are 5 meter tall metal storage containers. Basically any appliance that doesn’t fit on a shelf is put into one of the three containers.
  • Room 4: Contains two long tables as represented by the grey L-shaped rectangles. On these tables are neatly laid out items that were used in Round 2 Match 4, this means Riot Shields, Fireworks Cannons, Magnetic Ray Guns, Grappling Hook Guns, smoke bombs, Tar filled paintball guns, mannequins, body armor, skateboards, net launchers, fire extinguishers, step ladders, marbles, bowling balls, trampolines, shovels, steel chairs, and blankets. Only the crystal ball is missing. The blue circle is a barrel of fencing foils and the yellow rectangle is a banged up motorcycle that while not completely totaled is in pretty bad shape.
  • Room 5: The security room. It is rather bare, only housing the monitors set-ups to the security cameras and three swivel chairs to go with them.
Goal: RETIRE your opponents!
Additional Information:
As a reminder, White Tile areas are out-of-bounds for this match. If you willingly traverse through them you will be retired by a pair of mall cops.
Here is a shortened version of Cairo’s character sheet with all relevant information, the full sheet is linked below
Name: Cairo Satori
Age: 21
Gender: None, whose business is that anyways?
Species: Human
Occupation: Beloved Media Icon
Equipment: The newest smartphone, two sets of wireless earbuds for communicating directly with [Peach Pit] quietly, a bag of weed mints, and a baseball bat.
User Stats:
Strength: 3 (Too much effort to get properly strong- Cairo can throw as much effort into a hit as they need to in order to finish someone off after being brought to near-retirement by [Peach Pit], and that’s about the maximum they need.)
Agility: 2 (Never had to run after or from anything.)
Endurance: 2 (Not one to hold up under sustained pressure for very long, hoping to duck back from any conflicts except where absolutely necessary.)
Conduction: 2 (Able to personally carry their Stand’s damaging energy through them, and has a general knowledge of how to apply it.)
Vibing: 3 (It's for vibe checks- the necessity of finishing an opponent off personally, in a fast and hard strike. The full force of their strength, loaded into one moment rather than a series of fests. Also, they do have good vibes.)
Stand Name: [Peach Pit]
Stand Appearance: On the bulkier side of stand builds, Peach Pit has some resemblance to a knight in plate armor- big, dark metallic pauldrons, a chestplate, an assortment of straps and buckles, etc. The surface of the stand looks very much like a sunset with its colors flipped around. Its face is smooth except for a simple minimalist icon of the sun, and the rest of the head is mostly covered by a knight's helmet as well. A gradient of sorts goes from the head of the stand down to its armored feet, starting with an orange-red and ending in black with white specks like stars in the night sky.
About/Oddities: The stand is dangerous, outright. The manifestation of an incredible will for a very specific life gave it incredibly high offensive might, and although Cairo has depleted its very low ‘potential,’ nothing else has decreased in the slightest.
Additionally, [Peach Pit] is sentient, and thinks of itself as a close friend and bodyguard to Cairo. Despite being able to dish out high damage, it is very much a friendly, calm and collected individual, having respect even for those it has to fight. As such, [Peach Pit] leaves RETIRING opponents up to its user completely. An enemy can be beaten down, but will still be able to pull together and carry on albeit impeded until Cairo personally finishes them off. This isn't simply a choice- if instructed to keep pressure on an opponent who's down but not out, its strikes can indefinitely inflict serious pain and yet never be quite enough to injure a foe to the point where they're considered RETIRED.
Due to the bold weakness in this, for how combat inefficient and easily hurt its user is, Peach doesn't have full damage transference. Instead, it can be destroyed repeatedly- Cairo takes one instance of C power damage upon its destruction, and it can be resummoned from Cairo's position after ten seconds.
Peach's presenting identity has been influenced by Cairo's insistence against defining things that way, to the point of being comfortably seen subjectively as anything. Peach will respond to any pronouns without questioning it.
Stand Stats:
Power: A(The stand can exert a great amount of power in its attacks)
Speed: A (Its movements are very fast and its attacks can travel just as quickly)
Range: B (50 meters)
Durability: E (Subpar durability, however when destroyed the user takes C power damage and the stand can be summoned back to Cairo’s side after 10 seconds.)
Precision: C (Generally decent in its movements, but its projectile attacks only move in a straight line once fired and can only be stored within conductive materials. In non-conductive materials it would keep traveling)
Ability: Peach Pit lacks a complex ability, as far as one would expect. Rather than intricate effects, its hits themselves can simply be conducted through material similarly the way that electricity does, with distinct variation based on the conductivity of the material. Within conductive material, damage is stored up much like a battery - the moment someone touches the "battery", the damage transfers directly to it on the point of contact. This means that if Peach were to punch a metal rod and someone were to touch it, they would feel the full brunt of Peach's attack the moment they do so. A battery remains charged for up to fifteen seconds, and at any point if it hasn’t been touched and discharged already, Cairo can pick any direction from where the battery is in contact with non-conductive materials to activate the next type of attack.
Within non-conductive material, either deployed through battery or direct strike, damage "travels", moving forwards in a straight line at A speed in the same direction it came from. This wave of damage can be seen as it travels, with slight shimmers of light and a crackling sound emanating from where it's currently positioned.
Damage cannot travel further than B range from Cairo.
Team Combatant JoJolity
Black Hill Regalia Arthur Lifeson and Nix Ripa “The thing in Hayato's hand was definitely a handy cam. It doesn't seem to be in this room right now...” This show is a sweet-sounding idea, but it’s so corrupt to its core that you can’t allow it to spread any further than it has. Destroy as many physical backings of the recordings Cairo has made for their show as you can over the course of your strat!
Being So Normal Cairo Satori “I even took a video of the cat-like plant you've got in the attic!” This show… You know it’s been an unsavory road, one you wish you could have managed differently, but the good it can do, the way the world might finally begin to understand the ugly and wonderful truths of Stand Users and appreciate them more as a part of their lives… You will celebrate that. Take creative inspiration from actions that took place in matches related officially to ‘Being So Normal!’ That is to say, these 5 matches, R1M5,R1M23,R1M29,R2M4, and R3M8!
Link to the Official Player Spreadsheet
Link to Match Schedule
As always, if you would like to interact with the tournament community and be among the first to get updates for the tournament, please feel free to PM a member of our Judge staff for an invite to our Official Discord Server!
submitted by boredCommentator to StardustCrusaders [link] [comments]

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Below you will find the minimum legal age to gamble in various locations around the U.S., Virgin Islands and Puerto Rico. In the 50 American states, some times you'll see a variance, this usually is due to Indian casinos having different age requirements in their casinos than state regulated casinos. Tribes are considered sovereign nations and Now, in terms of age, the minimum age to play anywhere where gambling is legal in Europe is 18 years old. There are some exceptions though. For example, in Germany, Ireland and Belgium, you must be 21 years old to gamble. Greece is another exception where you must be at least 23 to gamble. Underage players are not allowed to play table games, slot games, video slots, live blackjack, live roulette, or any other online casino games. The minimum legal age to gamble in the UK is 18-years-old. This age limit applies to online betting, online casinos, and online gambling. Yes, you can gamble online legally in the United States. Right now, you can gamble online in the US in a select number of states where online gambling has been made legal. The types of online gambling that are legal in the US include casino games, online poker, online lottery and online sports betting. The legal gambling age in the United States varies depending on the state and the activity you want to gamble on. Usually, this is either 18 or 21, in most states in the U.S. and certainly in Nevada. The gambling age in Vegas is 21 for all available activities, including casinos, poker, and pari-mutuel betting. While you can't win real money by playing FREE games, you can pick up the rules and create a strategy before making a first deposit. Can I gamble on a mobile device? Yes, the top rated online casinos in the U.S. typically offer instant-play, browser based mobile betting from a smartphone or tablet that are compatible with Apple, Android and If you gamble, you’re staking something of value. In both online and offline gambling establishments, money is at stake. And gamblers are expected to cover their losses. Unfortunately, this is easy to do with debt. You can borrow $1000 and take it to the casino. All the casino can do is insist you put money on the table before they allow you Online gambling refers to playing traditional casino games such as poker, baccarat, roulette, slots and much more through a website. You can often find far more game variants and offers online than at land casinos. Sports betting is also a big part of online gambling. The legal age to gamble at a casino can be 25, but can also be 18, it all depends on the specific casino. There are some casinos that even allow for tourists to gamble at 18, but restrict locals to 25 and older. Some states allow 18 year olds to gamble. Alaska, Idaho, Kansas, Maine, Minnesota, New York, North Carolina, Oklahoma, Rhode Island, South Carolina, Vermont, Washington and Wyoming all have gambling ages of 18. Every other state in the Union has fixed their gambling age at 21, and you cannot get around this in any way.

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