volatility - Vega of binary option - Quantitative Finance ...

Fallout 4 feels to me like a huge, shallow time sink with no payoff and not enough memorable things. [POTENTIAL FALLOUT 4 STRUGGLE SESSION]

I've spent about 60 hours on Fallout 4 in the last few weeks, and I've finally realised that Bethesda games are enormous time wasters. At least Fallout 4 and Skyrim are. The complaints below might be anodyne to a lot of the people here, or they might be very controversial, but these things are hitting me particularly hard while replaying Fallout 4. I've played it before, but having spent so much time with it recently, the realisation has dawned on me more harshly.
Bethesda build these amazing worlds with so much detail and complexity to them, only to inundate you with hours of fetch quests, bore you with a main quest that has no substance, and have you follow a map marker to the detriment of the world they’ve built. They encourage you to look down at the bottom of the screen to the degree that you never have to actually look around at the world to try and find a solution to whatever problem the game throws at you. Even if you turn the objective marker off, the problem that the games have is that 1) some quests require you to know the exact location of an item for you to progress and 2) you're incentivised to look at the bottom of the screen to find new locations to explore instead of just stumbling across them naturally (or with the help of your Pip-Boy map). You're not encouraged to just look at the world. You're not encouraged to memorise the landscapes or routes from one location to another. The fast travel isn't the problem here, either. It has everything to do with the way the game pushes you to walk in one direction nonstop until you reach your objective, and the way new locations are shown to you before you even find them. It's hard to call this "distracting" when it's a fundamental way the game is constructed. You're meant to look at the bottom of the screen. They clearly want your eyes there at all times.
Another problem I have is that almost no companion in either Fallout 4 has a legitimate reason to follow you or feels motivated - ideologically or opportunistically - to do so. I can’t recall a single one of them struggling to have a reason to follow you and just doing it because that’s what the game expects of them. While this problem extends to Skyrim, I want to keep the complaints to Fallout 4 since that's the topic of the sub. Preston has possibly the best reason to follow you: You saved his life and the lives of his friends, and he has nothing else to fight for after the Minutemen are disbanded and his friends find safe haven in Sanctuary. So he doesn't bug me that much. But Piper follows you for basically no reason, because you answer some questions. Does she require you to find her a scoop for her newspaper, or uncover dirt on the mayor? Nope. Nick Valentine kind of abandons his job to follow you after he does a job for you, which makes it seem like he doesn't actually have a full-time job with an employee working for him; he doesn't even require your assistance to work through a different job before he agrees almost unconditionally to follow you. Paladin Danse following a wastelander - even one that helped him in a rough spot - makes even less sense because that's the sort of shit that if his commanders found out about they'd probably reprimand him. They fucking hate Paladins associating with wastelanders. This is established canon. Deacon immediately likes you despite knowing very little about you and requires no convincing for him to follow you. John Hancock is pretty similar. There's just no depth to these companions and even though they all have distinct personalities, the lack of conflict and the lack of conversation options makes them feel very boring and bland. They're fun and entertaining but only on a surface level.
What annoys me more about this is that they will idolise you if you do enough odd tasks to placate them. Pick a bunch of locks with Piper around? She'll sleep with you after you pass a speech check. Use chems around Hancock? He'll tell you what a hip, rad person you are with basically no effort on my part as a player. Just be an asshole to everybody with Cait around? She will fall in love with you. It's so stupid to me. Again, Preston is the one whose affection for the player makes the most sense and requires the most effort; you have to do a lot of pro-Minutemen quests or do a lot of good deeds and stand up to shitty people for him to like you. His loyalty feels earned, and he's pretty much the only one that applies to. But I honestly don't think the level of trust applies to the other characters. They trust you if you just do enough random things they like. They'll spill their guts to you or sleep with you despite having few conversations with them and not helping them with any personal problems. Give Piper a pep talk about her sister, and you're all set. It's frustratingly shallow.
Literally nothing in this game comes anywhere close to earning Cass's or Boone's or Arcade's or Veronica's trust in Fallout: New Vegas. It's honestly kind of a joke by comparison. Those characters won't just follow you for any reason. You can't just twiddle your thumbs to make Boone follow you. You have to help him meaningfully, and even then he only leaves because he doesn't trust anybody and wants to be gone. Veronica follows you only after she senses you aren't hostile to the Brotherhood of Steel, and because she wants a traveling companion. There are explicit and clear reasons why people follow you in that game. And if you want to earn their trust and get them to live in the endgame with relative peace, you need to do an enormous amount to do so. And if you don't want to help them? If you dislike them and don't want anything to do with them? You can literally kill them yourself. The game gives you that option. With Fallout 4 the character relationships feel arbitrary and meaningless, like there's no weight to the beliefs or decisions of anybody. It doesn't help that every character is potentially bisexual and you can technically fuck every single one of them. Just throw on some Fashionable Glasses, drink some alcohol, and wear some fancy clothes, and passing their speech checks is easy. You can coerce people in this game to do things easily.
Which I guess brings me to the fact that there is almost no capacity to roleplay in this ostensibly roleplaying game. You don't have to make sacrifices to accomplish goals, and you don't have to choose a specific path. You can pretty much do anything you want with few limitations, which sounds freeing and liberating, but it actually removes the whole idea of playing a role from a series that has emphasised that for years. An RPG where you can pretty much do anything without risking alienating most people in the world because you chose one side over another is not really an RPG. And when you get around to interacting with people, the dialogue choices are limited as hell, you can't kill essential characters like Preston (which makes saving or helping him a foregone conclusion), questlines play out in an incredibly boring and linear fashion, and outside of a few moments the game doesn't actually give you a lot of room to decide the outcome of major incidents. You don't even have to actually choose one group over another when it comes to combating the Institute. The endings are simplistic and practically binary. I know it's a bit of a meme to compare the choices you have in other Fallout games with this one, and the consequences of those choices, but you have no room to roleplay as a person you want to be in this game. High or low INT doesn't impact the dialogue or speech checks. High or low charisma impacts things minimally. You're pretty much going to have 1 of 2 conversations every time you talk with anybody about anything. Even when you come to the crossroad where you have to choose a side in the main conflict of the game, you can play your cards right and bring everybody together, which sounds good in theory, but it isn't earned in a way that makes the opposing sides set aside their conflict. Ideology dissolves under the weight of the player making decisions that has fuckall to do with these people and their opposition to one another, and it makes it seem like the Minutemen, Brotherhood, and Railroad opposing one another in any way is baseless and petty. There's just nothing to these conflicts. If the characters in your game set aside their differences because the player did 1 thing, then you haven't written compelling conflicts. You've written lousy artifices to trick people into being motivated into bringing them together (which is insultingly easy) or choosing one side over another (which you don't actually need to do).
The settlement minigame is kind of cool, but ultimately pointless. The game doesn't change the least bit whether you decide to build settlements or not. There's no reward to it, and very rarely do you need to build settlements to unlock questlines or get a character to like you. It all feels so damn hollow and pointless. For a game that demands so much time from the player to do things, there's nowhere near enough payoff to justify it. I could just go play Rust or Minecraft or another type of game for a more thorough and less frustrating experience building settlements.
So yeah, that's how I feel about Fallout 4, and even Skyrim for the most part. They're big beautiful time wasters with no real substance. I remember next to nothing about Skyrim after spending a hundred hours in it and while I remember more about Fallout 4, I don't remember being challenged in any meaningful way. I mostly remember shambling from place to place, helping settlement after settlement with raiders and super mutants, until I got bored and went off to Diamond City to fuck around with the main quest that I found underwhelming, and meeting people who don't force me to analyse their beliefs or my own. The conflicts are mostly petty, the quests I'm given feel like tedious chores, and it's all an excuse to get you to explore the world that they ultimately don't even want you to look at because they force your eyes down to the bottom of the screen. It's numbing, repetitious, and draining. I feel part of my soul dying the more I play either one of these games.
Apologies for the melodrama of the writing by the end there, but I'm very frustrated with this game and don't think I'm gonna play it further. I really don't feel like there's a point to anything. I'm becoming a nihilist thanks to this game.
submitted by DouggieMohamJones to Fallout [link] [comments]

Student Loan Default: The Guide (ReUploaded)

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

Student Loan Default: The Guide (reuploaded)

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

List of New Supported Games and FAQ.

Hey guys! Here is a list of all the new supported games, you can download the Nucleus Co-Op scripts from the app now, the games listed here that are clickable link you to a guide but all are supported. You can also see all available scripts from the app now by pressing the view all option.
10 Miles to Safety
20XX
100% Orange Juice
200% Mixed Juice!
Abyssal Zone
Acceleration of SUGURI 2
Accel World VS. Sword Art Online Deluxe Edition
A Hat in Time
Air Missions: HIND
Alien Breed Impact
Alien Breed 2: Assault
Alien Breed 3: Descent
Aliens Colonial Marines
Aliens vs Predator
Alien Swarm: Reactive Drop
Among Us
Aragami: Shadow Edition
ARK: Survival Evolved
Ashen (steam version only)
Astroneer
Attack on Titan 2
ATV Drift & Tricks
Barony
Battle Grounds III
Binary Domain
BioShock 2
Bit Dungeon III
Blades of Time
Bladestorm: Nightmare
Blood and Bacon
Bob Was Hungry
Borderlands
Borderlands 2
Borderlands: The Pre-Sequel
Borderlands GOTY Enhanced
Borderlands 3
BrainBread 2
Broomstick League
Brütal Legend
Bulletstorm: Full Clip Edition
Bunch of Heroes
Call of Duty: Black Ops II
CastleMiner Z
Clandestine
Cladun Returns: This is Segoku
Chivalry: Medieval Warfare
Citadel: Forged With Fire
Code of Princess
Conan Exiles (16 june 2020 update added Funcom Live Services and now the game is online only effectively breaking the splitscreen script. You need to downgrade to the previous version.)
Contagion
Contra: Rogue Corps
Counter-Strike: Source
Craftopia
Cube World
Cyberdimension Neptunia: 4 Goddesses Online
Daemon X Machina
Damnation
Dark Souls: Prepare to Die Edition
Day of Defeat: Source
Day of Infamy
Deadfall Adventures
Dead Island
Dead Island: DE
Dead Island Riptide: DE
Dead Rising 2
Dead Rising 2: Off the Record
Dead Rising 3
Dead Rising 4
Deathtrap
Debris
Deep Rock Galactic
Desolate
Dinosaur Hunt
Divinity: Dragon Commander
Divinity: Original Sin Enhanced Edition
Divinity: Original Sin 2
Don't Starve Together
Door Kickers
Double Action: Boogaloo
Dragon Ball Xenoverse
Dragon Ball: Xenoverse 2
Dragon Marked for Death
Dragon Quest Builders 2
Drake Hollow
Dungeon of the Endless
Dungeons 3
Dungeon Siege III
Dying Light
Dystopia
Earth Defense Force 4.1
Earth Defense Force 5
Earth Defense Force: Insect Armageddon
Earth Defense Force: Iron Rain
Earthfall
Enemy Front
E.T. Armies
F1 2012
F1 2014
Fade to Silence
Factorio
Fallout 76
F.E.A.R. 3
Final Exam
Feel The Snow
Fight The Dragon
Fistful of Frags
Forge Quest
Fortified
Front Mission Evolved
Full Mojo Rampage
Garry's Mod
Gas Guzzlers Extreme
Generation Zero
Gensokyo Defenders
GOCCO OF WAR
God Eater Resurrection
God Eater 2 - Rage Burst
God Eater 3
God Mode
Golf It!
Grid 2
Grim Dawn
Ground Branch
GTFO
Guns n Zombies
Half-Life Deathmatch: Source
Half-Life 2: Deathmatch
Half-Minute Hero: The Second
Halo Custom Edition
Halo 2 LAN
Halo 2: Project Cartographer
Halo Online ElDewrito
Halo: The Master Chief Collection
Halo Wars: Definitive Edition
Hammerwatch
Hero Siege
Hoard
Hunted: The Demon’s Forge
Human: Fall Flat
I am Weapon: Revival
Insurgency
Iron Brigade
It came from space, and ate our brains
Kane & Lynch 2: Dog Days
KATANA KAMI: A Way of the Samurai Story
Killing Floor
Killing Floor 2
Killsquad
Kill to Collect
Lead and Gold: Gangs of the Wild West
Left 4 Dead 2
LEGO Worlds
Livelock
Lord of the Rings War in the North
Lost Planet 3
Magicite
McDroid
Mean Greens - Plastic Warfare
Mighty No. 9
Minecraft Java Edition
Monday Night Combat
Mordheim: City of the Damned
Morphies Law
Mothergunship
MudRunner
NanoWars
NASCAR '15 Victory Edition
Necropolis
Need For Speed Most Wanted 2005
Nioh: Complete Edition
Niffelheim
No Man's Sky
No More Room in Hell
Outbreak
Outbreak: TNN
Outland
Outward
Orcs Must Die! 2
ORION: Prelude
OVERKILL's The Walking Dead
Pacify
Paint the Town Red
PAYDAY: The Heist
PAYDAY 2
Pirates, Vikings, and Knights II
PixARK
PixelJunk Nom Nom Galaxy
Portal Knights
Prevent The Fall
Primal Carnage: Extinction
Project CARS 2
Pure
Raft
Rage
Re:Legend
Remnant: From the Ashes
Resident Evil 5
Resident Evil 6
Resident Evil Revelations
Re-Volt (RVGL)
RimWorld
Risk of Rain 2
Roguelands
Ryse: Son of Rome
Sacred 3
Saints Row The Third
Saints Row IV
Saints Row: Gat out of Hell
Sanctum
Sanctum 2
Scourge Outbreak
Secrets of Grindea
Senran Kagura: Shinovi Versus
Senran Kagura: Estival Versus
Senran Kagura: Peach Beach Splash
Serious Sam 2
Seven Days to Die
Sir, You Are Being Hunted
SkyDrift
Sniper Elite 3
Space Engineers
Space Hulk: Deathwing
Spec Ops: The Line
Spintires
Starbound
Stardew Valley
Star Wars: Battlefront 2 (Classic, 2005)
Strange Brigade
Strength of the Sword: ULTIMATE
Styx: Shards of Darkness
Super Mario 64
Super Mario 64 PC Port
Survivalist
Sven Coop
Sword Art Online Re: Hollow Fragment
Sword Art Online: Lost Song
Sword Art Online: Hollow Realization Deluxe Edition
Synergy
SYNTHETIK: Arena
SYNTHETIK: Legion Rising
Takedown: Red Sabre
Team Fortress 2
Teenage Mutant Ninja Turtles: Mutants in Manhattan
Teenage Mutant Ninja Turtles: Out of the Shadows
Terraria
TerraTech
The Blackout Club
The Darkness 2
The Forest
The Haunted: Hells Reach
theHunter: Call of the Wild
The Incredible Adventures of Van Helsing
The Incredible Adventures of Van Helsing II
The Incredible Adventures of Van Helsing III
The Incredible Adventures of Van Helsing Final Cut
The Mean Greens - Plastic Warfare
The Simple Apocalypse
The Survivalists
The Watchers
Tokyo Ghoul:re Call to Exist
Tom Clancy's Rainbow Six: Vegas 2
Tomb Raider
Torchlight II
Toukiden: Kiwami
Toukiden 2
TOXIKK
Unending Dusk
Unepic
Unloved
Unreal Tournament III
Umbrella Corps
Vagante
Warcraft III: The Frozen Throne
Warcraft III: Reign of Chaos
Warhammer 40,000: Space Marine
We Were Here Together
White Noise 2
World in Conflict: Complete Edition
Wreckfest
XCOM: Enemy Within
Zeno Clash II
Zombie Army Trilogy
Zombie Panic! Source

Frequently Asked Questions & Troubleshooting

(Under Construction, last updated: 11/08/20)
Q: What is Nucleus Co-Op?
A: https://www.youtube.com/watch?v=jbituCgu3Bc
Nucleus Co-Op is a free and open source tool for Windows that allows split-screen play on many games that do not initially support it. The app was originally created by Lucas Assis. Zerofox later took over and added a ton of new features and improvements to support a lot more games. Ilyaki later joined in and brought multiple keyboards/mice support and more great features to the table. The app is currently being developed and updated by these devs: Lucas Assis, Zerofox and Ilyaki.
R-mach too for making and supporting the website that hosts the Nucleus Co-Op scripts.
Also the further development of the app wouldn't have been possible without all the amazing contributions and hard work from the SplitScreen Dreams Discord members (which include the devs mentioned above) that made all the new Nucleus Co-Op scripts and continue to make new discoveries and scripts to support even more games, among them: Talos91, PoundlandBacon, dr. old.boi, Pizzo and many more.
Q: How does Nucleus Co-Op work?
A: Essentially Nucleus Co-Op opens multiple instances of the same game (some games require mutex killing for that, among other methods) that will only answer to one specific gamepad (we do this via Nucleus Co-Op custom xinput dlls or xinput plus dlls) and connects those instances via LAN or steamworks online multiplayer emulation (Goldberg Emulator), all while making sure all the windows have focus so they can be playable with gamepads or that the instances are playable even in the background. Nucleus then resizes, removes borders and repositions the games windows so you can have synthetic splitscreen to play locally with your friends.
Q: Which games can be splitscreened using Nucleus Co-Op?
A: There are a lot of supported games, all mentioned in the list above. A ton of games are now supported thanks to the amazing program called Goldberg Emulator, developed by Mr. Goldberg, a big thank you to him. Read the Goldberg FAQ if you want to know more.
Q: Where do I download Nucleus Co-Op?
A: You can download latest version from Github. Download the compiled .rar release, don't download the source code zip if you just want to use the app. Zerofox's mod v0.9.9.9 r4 is the latest version recent scripts are created for, please avoid other versions for now.
Q: How do I use Nucleus Co-Op?
A: Here is a quick video tutorial: https://www.youtube.com/watch?v=hWmvz59i-o0
1.- Download and exctract Nucleus Co-Op (extract using apps like 7-zip or winrar).
2.- Open NucleusCoop.exe.
3.- Click on Download Game Scripts, the script browser will open. Search for a game in the supported games list and download a script. You can also see all available scripts from the app now by pressing the view all option.
4.- Once the script has finished downloading you will get a prompt asking if you would like to add a game now, click yes if you want to add it now, if you select no proceed to step 6.
5.- Next you need to find where your game's executable is located. If you're not sure, try Googling 'where is (game) installed' and just search for the .exe in the place they tell you to look for. For Steam games this is usually something along the lines of 'C:\Program Files\Steam\steamapps\common(game)'. Some games will have their real .exe stashed away in a folder called 'bin' or 'binaries'. Once you choose the right .exe, add the game.
6.- You can also automatically add games, click 'Auto-Search' and select the drive and path you want to add games from.
7.- Once your game is added, select it in the Nucleus UI and drag the gamepad icons to the splitscreen layout, click on the top-left icon on the layout corner to change the type of splitscreen layout. You can also use multiple monitors, if you have multiple monitors connected they will show in the Nucleus UI. If you see Script Author's Notes appear at the bottom of the UI, read them carefully.
8.- Finally press > then Play (top right of the UI) and you are ready to go.
Q: Where should I place the Nucleus Co-Op folder?
A: You can place the folder wherever you like as long as you keep the following in mind:
DO NOT place it inside a folder containing files for a game you wish to play.
Avoid placing it inside a folder that has security settings applied to is, such as program files, program files (x86).
Some scripts require the Nucleus Co-Op folder to be located on the same drive as the game files.
If you are still unsure where to place the folder, the root of the drive your games are installed on is usually a safe option.
Q: How do I play with an uneven amount of players (such as 3 players) without having an empty space?
A: Right click on a section of the splitscreen layout.
Q: Nucleus Co-Op doesn't launch, how do I fix it?
A: Here are a few things you can try:
1.- Try updating your Microsoft.net framework, and install/reinstall Visual C++ 2010-2017.
2.- Make sure your antivirus program is not blocking Nucleus Co-Op or deleting any of its files.
3.- Run Nucleus Co-Op as admin.
4.- Restart your PC, and try again.
Q: Does Nucleus Co-Op have any malware?
A: Absolutely not.
Q: I wish to help out with the project, how can I get in touch?
A: Join the Nucleus Co-Op discord community or contact us here in the subreddit.
Q: When support for X game?
A: Not all games are easy to splitscreen, if you want to suggest a game make a post with the title [Request] Name of the game and provide useful information like if the game supports LAN or dedicated servers, if it is available on Steam or in other services, if it uses external servers for online, if it has gamepad support etc. Also you can contact any of our experienced Nucleus scripters here or in the Nucleus Co-Op discord and ask if a script is possible. The main scripter is the OP of this post for instance. Remember that Scripters are limited by the games they own and can test on, so if you really want support for a game to be added consider donating the game to the scripter in question.
Q: How do I know when a script gets updated?
A: Scripts updates are always announced in the Nucleus Co-Op discord server in the channel scripts updates.
Q: How do I create my own splitscreen script for Nucleus Co-Op?
A: Here is the documentation, open the .js file with notepad to read it. You can also use the other scripts you download from Nucleus as reference, they get downloaded to the Nucleus scripts folder. If you create a working script or if you have any questions about Nucleus scripting you can ask us in the Nucleus Co-Op discord or here in the subreddit, we can help you improve your script so it is fully working for sharing with the community.
Q: Does Nucleus Co-Op work on Linux/Mac?
A: Nucleus Co-Op depends on a lot of Windows functions and APIs, at the moment it only works on Windows 7 and Up. If you are interested in porting Nucleus Co-Op to other operating systems please feel free to contact any of the developers.
Q: Where can I report a bug/issue?
A: Note that Nucleus Co-Op is a tool in development and still in Alpha. Expect bugs, glitches and weird things to happen. Help other people not have these things happen by checking for a solution here and submitting a [BUG REPORT] to the reddit as a new topic or in the comments here, if no-one else has brought it up. Make sure you have read the script notes in the Nucleus UI very carefully first before submitting anything.
A good [BUG REPORT] looks like this:
Thread name: [BUG REPORT] Simon falling off horse
BUG: Simon falls off his horse.
EXPECTED: Simon should not fall off his horse, right?
CAUSE: I'm pretty sure it's because I have my computer plugged into an auto-blow.
STEPS TO REPRODUCE
1.- Open up Simon Stays On His Horse: The Interactive Video Game of the Movie.
2.- Choose Co-Op and join with another player.
3.- Simon falls off his horse!!!
TYPE: Severe! The gameplay can't continue if Simon isn't on his horse! (Alternatively, Minor if the gameplay can continue but it's just annoying)
NUCLEUS OPTIONS: I played with 2 players using the vertical splitscreen (left and right) on one tv and 2 famicom controllers. I'm using the latest version
SYSTEM: I'm on Windows 3.1 with 4MB of RAM, a 2KHz CPU and no graphics card, playing on a projector. She's a monster.
I'd really like this to get fixed please thanks magic man! -Beanboy"
Keep in mind most scripts are made and tested using the latest legit steam versions of a game, so provide information about what version of the game you have.
Also provide a debug log of the NucleusCoop error or crash, enable the debug log in Nucleus UI settings and save, the debug log will be created in Nucleus root folder where the .exe is. You can also ask for support in our discord.
Q: Why is Nucleus Co-Op resizing the game instances incorrectly/the instances look stretched?
A: Try setting your monitor scale to 100% in your monitoTV resolution settings. It is also highly recommended that you add custom resolutions to all your monitors from your AMD/Nvidia/Intel panel (For example if you are using a monitor resolution of 1920x1080 add custom resolutions like 960x540, 1920x540, 960x1080, ect.) that way most games will be able to see and use those custom resolutions and the splitscreen will not look stretched(Example). Note that not all games support custom or ultra widescreen resolutions. Also try disabling the Nucleus status window in Nucleus UI settings and save.
Q: Why is Nucleus Co-Op throwing an error message that it can not find a file when launching a script?
A: A lot of scripts edit the game's .ini or .cfg files to force windowed and to adjust the game's resolution to the window size, so make you sure you run your game at least once and change some graphic settings before running it via Nucleus Co-Op, that way you make sure the proper config files are getting generated first. If you are still getting the error after doing that, select the game in the UI, click on Game Options and select Delete UserProfile Config Path for all players. Also try disabling the Nucleus status window in Nucleus UI settings and save.
Q: Where are my Nucleus Co-Op save files located?
A: Some scripts save to the Nucleus Co-Op enviroment folder located in C:\Users\YourUser\NucleusCoop, you can access each game save file via the Nucleus Co-Op UI too, select a game, click on Game Options and select Open UserProfile Save/Config Path. Other scripts just save in the same file path your regular game saves to.
Q: Why are my in-game frames per second low/better in one instance than in the others when using Nucleus Co-Op?
A: Remember that Nucleus Co-Op opens multiple instances of a game, so depending on the game this can be quite demanding for your PC, to improve FPS and performance try reducing graphics settings like textures and shadows, limit the FPS or unfocus all the game windows so that they get equal priority and the FPS even out, you can do this by Alt-Tabbing to a different window like the Nucleus app window, the game windows will still remain on top, you can also press the windows key+b in your keyboard to unfocus all instances.
Q: My Playstation/generic PC controller isn't working/isn't being detected by Nucleus Co-Op, how do I fix it?
A: Most Nucleus Co-Op Scripts only detect Xinput gamepads. Controllers that work best are Xbox 360 game controllers for minimum hassle. There are a few scripts that also support Direct Input gamepads but Xinput gamepads are generally a lot easier to restrict to a specific game instance than Dinput gamepads.
If you are using PS4 gamepads try the app DS4windows, look in the settings for an option called "hide ds4 controller" - make sure it's ticked. To ensure it's definitely running in exclusive mode make sure ds4windows is set to load on windows startup, then turn your controllers on while windows is loading. Download the latest version here - https://ryochan7.github.io/ds4windows-site/
Read more about how to use exclusive mode here: https://github.com/Ryochan7/DS4Windows/wiki/Exclusive-Mode-(Hide-DS4-Controller-config-option)-tips-and-issues
If you are using generic dinput gamepads the app XOutput is also useful to emulate xinput gamepads.
The app X360CE version 4 that creates virtual Xbox 360 Controllers inside your Windows operating system is also very useful to emulate xinput gamepads system wide.
Remember that some games detect both dinput and xinput gamepads so even if you are emulating a xinput gamepad the input could still not be restricted correctly because the game is now responding to both the emulated xinput gamepad and to the native direct input of your gamepad, that is why some apps like DS4windows have an "exclusive mode".
Also do not place any x360ce xinput dlls inside the Nucleus Co-Op files as this might interfere with Nucleus custom xinput dlls.
Xbox One gamepads have some issues with background input in games that only support direct input gamepads and with Unity games that use Unity's default input for gamepad support.
If you are using steam controllers try this: https://www.youtube.com/watch?v=wy4F2eqTXQ4
Q: Why is my keyboard not showing in the Nucleus Co-Op UI?
A: If a script is only showing gamepads and not keyboard icons that means the script only supports gamepads and doesn't support keyboards and mice in splitscreen yet.
Q: There are many keyboards and mice icons in the UI, how do I know which ones to use?
A: If you press a key in the keyboard you will use or move the mouse their corresponding icons in the Nucleus Co-Op UI will light up yellow. The app can detect keyboard macros that is why sometimes you will get multiple keyboard icons.
Q: Can you play splitscreen+LAN in different PCs?
A: Yes, if you run the game via Nucleus Co-Op in different PCs you can connect all instances you launch via LAN, for example you can have 2 players playing vertical splitscreen in one PC via Nucleus and connect to 2 others playing Nucleus splitscreen in a different PC via LAN. If the script uses steamworks multiplayer emulation you'll have to change the instances steam ids in the other PCs you'll connect to, otherwise the instances launched by Nucleus will use the same steam ids and won't be able to connect to each other. For that you can open the game script .js file in Nucleus scripts folder in the other PCs and add for example Game.PlayerSteamIDs = [ "76561198134585131","76561198131394153","76561198011792067","76561198043762785" ]; that will change the default ids of the first four instances you open in one PC via Nucleus Co-Op.
Q: This project is Amazing where can I donate?
A: We don't have an unified donation platform yet but you can support the devs individually here: Zerofox, Ilyaki, Lucas Assis.
You can also donate to our main scripters that make the games scripts for Nucleus: Talos91/blackman9
submitted by blackman9 to nucleuscoop [link] [comments]

Through 2019, I've played over 70 games, and have beaten 39 of them. Here's a short review for all of them.

I made it a goal this year to play as many games as I possibly could and try to deplete my backlog. Through doing that, I've played games this year that have made me laugh, cry, complain, hate, and love. I enjoy seeing others post game reviews like this, so hopefully there are others out there like me who just enjoy reading about games.
All games that I've completed are listed in chronological order from when I beat them, and contain a #/10 for final review score (for the ones that I completed). As a bonus, there will be three segments: Completed, Currently playing/hope to get back to, and Retired. At the end, I will include a TLDR; for my completed games in three sections; Good, Average, and Bad. Like others, I used howlongtobeat which proved to be a great tool for my backlog and clearing it out. Here we go:
 
January 2019
 
Condemned: Criminal Origins
I had tried this game a couple years back and it didn't really click. When I tried it this year something changed and I felt the need to keep playing it. The premise of the game is very unique, and although there seem to be a few games like this on Steam, there really isn't an experience like this on console. The gameplay is VERY dated, but the story, location, and overall feel behind the game drew me into it. I finished the entire game on New Years Day, and had a great time doing it. For anyone looking for a fun, old school CSI/Survival Horror esque game, even though it has its problems, check this one out. 7.5/10.
 
Sleeping Dogs: Definitive Edition
What a game. Like Condemned, this was another game that I initially tried years ago and didn't get hooked on, mainly because the driving is so bad especially when you first start out, but I'm so glad I gave this one another chance. Easily in my top 5 games played this year. Enjoyed every single second of it. Aside from the driving, I have no complaints. This is one of those games where you'll actually want to go do everything else even after you complete the story. It's that good. 9/10
 
Crysis 2
Extra short review because I kinda just blew through this one. Didn't really enjoy it at all, and while this series may have been ahead of its time, its not too impressive playing it in 2019. No story and forgettable gameplay, two things that a campaign of a multiplayer focused game relies on. You're much better off playing through one of the call of duty's if you want an FPS campaign. 4/10
 
Bioshock: Remastered
Forewarning for this one and another review coming up: I'm not a fan of this series. This is another one I tried years ago on the 360, gave up on (see a trend?), but decided to give it another go after hearing all the praise for this series. Let me just say, Bioshock is not a bad game at all, obviously, but for some reason it just didn't click with me like it has other people. I enjoyed my time with the game, but wasn't left speechless after it. The setting got old, the story never really interested me, and the gameplay was quite similar to that of other games (Fallout in particular). It looks and performs quite well as a remaster, and I'd say that's probably the best thing I have to say about the game. Not bad, but not deserving of the critical acclaim it has gotten IMO. 7/10
 
Batman: Arkham Asylum
Stepped out of my comfort zone with this one. I've never seen a batman movie before, nor did I/do I have a desire to before/after beating the game, but I still somehow enjoyed it. It's a nice little change of pace from many games, as the combat is melee focused and is set to one main location with other branching locations instead of the overly used open-world. The backtracking did get tiresome, but overall as a non-batman fan I enjoyed it. Definitely recommend it to somehow looking for a change of pace type of game. 7.5/10
 
D4: Dark Dreams Don't Die
After beating Deadly Premonition and it subsequently moving into my Top 5 favorite games of all time, I decided to give D4 a try after realizing I had downloaded for free years and years ago. All I have to say is this: Swery is a genius. Not a game I would have EVER expected to like, but one that I couldn't put down. Wacky characters, plot, setting, and gameplay all make D4 just a fun, enjoyable experience. It was meant to be an episodic game, but was unfortunately cancelled after the first episode, and it did leave on a little bit of a cliffhanger. Although the talk around the street is that this game won't be finished, we do have hope considering Swery shocked the world announcing Deadly Premonition 2 for next year, a game which I won't be patient for. If you just want wacky experience, definitely check this one out. 8.5/10
 
Bioshock 2
You're probably wondering why this one is on the list if you read through my Bioshock 1 summary. Well, I am too. I had burning desire for whatever reason to return to Bioshock, and experience Bioshock 2, and honestly, my experience was basically the exact same as Bioshock 1 but a little worse. While I found Bioshock 1 to have a forgettable story, I found Bioshock 2 to have a REALLY forgettable story. I also wasn't a fan of the increased combat that was put into this game, as I feel like this is the type of game where exploration should be focus and not fighting a enemies every time you enter a new location or room. Again, not a terrible experience, just not one that left a lasting impression on me whatsoever. 6/10
 
February 2019
 
Mass Effect 1, 2, and 3
Here's where the tears come in. Wow. Just wow. Before playing this series I never thought anything in any type of entertainment could be this good. I was wrong. Mass Effect 1-3 is the greatest achievement in entertainment history. Am I saying this after doing/watching/playing everything that has ever been put out? No. But I am saying it as I'm confident I, like many others, will NEVER have the pleasure of experiencing anything like the first run through the Mass Effect Trilogy ever again. This is a must play for people not even interested in gaming. The plot that carries over across all three games while taking everything you did from the previous game into account is something that I haven't seen replicated in gaming since, and that was over 12 years ago. The story, world, characters, and gameplay is truly something remarkable in all of entertainment. 2 was my favorite, only because of all the amazing characters you got to meet, otherwise 1 was very close behind. 3 was great, and despite what all the critics had to say, I felt the ending was justified. 10/10
 
Shadow Of The Tomb Raider
A much better entry into the Tomb Raider franchise than Rise, one of the two games which I credit that turned me into a patient gamer. The gameplay was more enjoyable than Rise, and the somewhat open-world sections that the devs added was a nice little change to the series. I still don't think this was nearly as good as Tomb Raider (2013), but this one is definitely still worth checking out. 7/10
 
The Technomancer
My first truly bad experience of 2019. This game was just bad. It had potential and you can see it when you play it, but unfortunately it's just bad. So bad. The plot is bad, the characters are bad, and the gameplay is just downright garbage. The one thing that had true potential which was the world was just shamelessly butchered as well. No one should touch this game. 1/10
 
March 2019
 
The Wolf Among Us
Another masterpiece. This was my first telltale game and I'm scared to play another one because I know it will probably not come close to comparing to TWAU. This game has twists and turns that you wouldn't have ever expected, and draws you into the world VERY quickly. This was another one that was hard to put down. The voice acting and story are top notch, and HOLY COW, WOLF AMONG US 2 COMING?? Other than Deadly Premonition 2, it's currently my most hyped upcoming game. 10/10
 
DmC: Devil May Cry (2013)
My first and possibly my last entry in the DMC series. I know its considered to be the worst or at least one of the worst games in the series, but the main draws of the game just bored me to death. The weird enemies types with the spam attack hack-n-slashing combat just really didn't provide me with joy. The story was interesting IMO and the boss fights were cool, but just running around hack n slashing everything as well as backtracking to certain locations just wasn't fun at all to me. Another forgettable experience. 6/10
 
Watch Dogs 2
This one really surprised me. I was in the minority where I actually really enjoyed Watch Dogs 1, but held off this one due to vocal people saying that this game was political nonsense. My experience with the game was the complete opposite, as I played it from pure game perspective and didn't think much in the overall deep meaning of the plot. The setting was great, and as someone who lives near SF but absolutely hates the city IRL, it was still quite cool to experience something so similar in a game. The graphics were great, the gameplay was smooth, and the characters were interesting, which in total made Watch Dogs 2 a great experience. There were a few characters who were over the top or just not needed in the game, but all I had to do was skip the scenes they were in. 8.5/10
 
Thimbleweed Park
My first true point and click game since the early 2000's. Im a big fan of detective/mystery games, so this one was on my list for a while. Since I lack the mental capacity to solve most puzzles in games, I did have to use a walkthrough for a large part of this game. Even so, I still very much enjoyed this game. If you're looking for a fun point and click adventure game with tons of mystery included, this is a great game to choose. 7.5/10
 
Bound By Flame
As an RPG fan, I had to give this one at least a try. After the horror that I experienced in The Technomancer, I didn't know what to expect with this one. This was just average all the way through. Literally take the definition of an RPG and put it into this game. Much better than The Technomancer, but still not that good of an RPG. I'd probably suggest only to play this If you run out of other RPGs or simply just want a mediocre experience. Also, what's up with Spiders making the ability to climb up objects impossible if you're in combat? You have to clear out every single enemy in an area if you want to continue on, and this includes the backtracking and minor areas. One of the most annoying things I can remember experiencing in a video game. 5/10
 
Outward
Wasn't patient for this one but I wish I was. Like Bound By Flame, this is just an insanely bland RPG, and in this case, is considered a "Hardcore RPG". It's hardcore in the fact that you REALLY have to want to play this game otherwise you're going to be bored within an hour. Its not worth having to make the 10 minute walk across the map 10-20 times to get supplies and to complete quests. Just a totally bland game that I would've quit right away if I hadn't bought it on release. Another great example on why to be a patient gamer. I also found out later on this year that this game was already made in 2009, and was much better then. I'll save that for a later review. 4/10
 
April 2019
 
Dead Rising 2 Remastered
A classic. This was my first replay of 2019, but this time it was the remastered version. I played through Dead Rising 2 5-6 times on my 360 solo and with different coop partners. The remastered version is just a better version of this great game. Absolutely flawless performance even on my OG Xbox One. This game is the ultimate sit back and chill game. 8.5/10
 
L.A. Noire
My second replay of 2019, and, up until I played the Mass Effect series earlier in the year, was my favorite game of all time. Crime/noir is my favorite genre of games, and it's too bad we really don't see many of them anymore. L.A. Noire blows every other crime game out of the water, and not only that, but throws in the detective element and makes you feel like you are truly investigating the cases in the game. The noir element is also just totally flawless in the game. While the performance of the remastered version was again, flawless, I really didn't like how they removed the Truth/Lie dialogue options with "Good Cop/Bad Cop". I honestly preferred the last gen version. Still, I consider this game a masterpiece. 10/10
 
South Park: The Fractured But Whole
Was hoping to play this after I saw the new season to get into the mood, but decided to dive right in instead. To this day, the South Park games are the only turn-based games that I've managed to play through. While I preferred the premise of The Stick Of Truth better, I still absolutely loved my time with this game. It truly is remarkable that not only are Trey and Matt able to continually make arguably the greatest show in entertainment history, but also put out really great games. 8/10
 
June 2019
 
Assassins Creed: Odyssey
I spent all of May playing this one, so that should tell most of what you need to know. I'm a sucker for Ubisoft games and the mindless enjoyment I get out of them. While nothing Odyssey does is groundbreaking, it still provided me with more than 65 hours of content and that's without the DLC, which I hope to get back to someday. Due to the story and characters, I think this is better than Origins, although both are great games worthy of your time. I'm glad the series has turned into an basically open world RPG, because I was not a fan at all of any of the older AC games. 9/10
 
Brutal Legend
Didn't even know this game existed until I picked it up over the summer. It was a fun little experience. Extremely unique, but I wasn't a fan of the main RTS element and the very empty open world. Music was fantastic though, and I really enjoyed the plot. Wish we had more games that went really outside the box like this. 7/10
 
Alpha Protocol
My second bad experience this year. I heard so many positives about this game, but I just hated absolutely every second of this one. The so-called story and "decision making" that I heard so much about was, IMO, a total lie, as none of the decisions you make truly matter, and not to mention they're insanely quickly timed so half the time you don't even know what you're picking. Im going to say it, this is just a very, very, very bad prequel to Hitman: Absolution (yes, I liked that game). This one should be buried and forgotten. 2/10
 
Wanted: Weapons Of Fate
Another one of my 360 pickups during the summer. Not much to summarize as it's apparently a video game version of a movie I had never seen or heard of. It's a nice little straightforward action game that's playable for its duration, which is only about 6 hours. Easily beaten in a day. 6/10
 
Heavy Rain
Finally got to this one after wanting to play it for so long. I heard it had everything that I wanted: Crime, Mystery, Noir elements....... and it absolutely delivered on all fronts. I actually accidentally spoiled the plot for myself a few years ago which put me off of the game for so long, but since I only knew the major twist, everything else was new to me making it extremely enjoyable to start to finish. People talk about the mainstream PS exclusives like God Of War, Bloodborne, etc., but not enough talk goes into Heavy Rain and it's later counterpart, Until Dawn. 9/10
 
July 2019
 
The Bureau: XCOM Declassified
Now I'm totally in the minority on this one, but I really enjoyed this game. Disclosure: I've never played any other XCOM game due to them being turn-based, which is why I gave this one a try. This game is solid all around, but where it shines is the setting. Some of the locations that this game puts you in, including places in New Mexico and CA, along with your base of operations, are very unique. Unless all the hate for this game was from XCOM fanboys who wanted more turn-based, than I truly don't understand what the deal was. This was a great game. 8/10
 
Tacoma
Again, not much to really review here. A walking sim in space with its own little touch on interaction and dialogue. It's very colorful and different from most walking space sims. If you're a fan of these types of games, I think this one might be worth checking out. 7/10
 
Gears Of War: Ultimate Edition
As the 3rd person cover shooter genre is growing quickly on me, I decided to check out the series that a number of people have credited with starting it. I also started out with the goal of playing through the entire series for the first time before Gears 5 came out. Ultimately, it fell short after this one, but I'll save that for later. GoW: UE is a great remaster. The graphics are phenomenal, and gameplay is smooth, and seemingly is the way that someone starting out on Gears Of War should start their entry into the series. The grass is not so greener after this one, but this game by itself is definitely worth your time. 7.5/10
 
August 2019
 
Red Faction: Guerrilla Remarstered
Didn't know how I expected this one going. I love Sci-Fi and space, and had never played a labeled destruction game before, but as soon as I stepped foot on Mars, I knew this was going to be a good one. You truly don't know how enjoyable breaking everything is until you do it, and that's all you need to focus on while playing this game. Yea other elements are there, but the destruction is just so damn satisfying that it makes this game just worth it for that. 8/10
 
Gears Of War 2
Man did I have to absolutely slog through this one. I've seen people credit this game as the best in the series, but all I credit it as is the game which completely killed any interest I had in Gears of War. You can only run through caves for so long before it gets mind numbingly boring. Not to mention the completely random story bits that this game throws in. This was not a fun game at all to play. 3/10
 
September 2019
 
Dark Pictures Anthology: Man Of Medan
After playing until dawn 3 years ago and immediately saying right afterwards "If only supermassive did an anthology series. I'd buy every game on release", here we are 3 years later and they actually are doing exactly that. While I wouldn't say that this one is as good as Until Dawn, it's still a fantastic game and one that all fans of Until Dawn should experience. Not to mention it has Shawn Ashmore in it, one of the greater lesser known actors. 8/10
 
October 2019
 
Risen 1
Remember how I said a far superior version of Outward had come out in 2009? Yea, this it it. This was the ideal hardcore RPG experience I was looking for. It had everything: Fantastic story, great characters, janky combat, among all the other things that I look for in an RPG. Perhaps the most surprising part of this game was the Dialogue, and dare I say may be the best dialogue of any game that I have ever played. They have some lines in this one that are absolutely hilarious, and the best part is you would have never expected a game like this to have such strong writing, which makes it even better. This game was so close to being a legitimate masterpiece if it wasn't for the last chapter in the game which almost killed my enjoyment in the game. Other than that, this is a must play RPG. 9/10
 
Far Cry 3
Another one on the long list of games that I tried years ago and decided on trying again this year. Far Cry 3 ended up being just an average experience. Cheesy story, tedious objectives (crawl up a tower, liberate an outpost, rinse and repeat). I did like the main missions though, and the setting was pretty cool. A better game than Far Cry 4. 6/10
 
Binary Domain
Boy did I enjoy my time with this one. This one is easily the hidden gem of all my 2019 games if I don't count the arguably more popular Risen 1. This game had it all, but more importantly, found a way to skillfully mix in an engaging and emotional story with a good amount of comedy. Not to mention, it probably has the best shooter physics of any game I've ever played it. It's truly a shame this one is not talked about more. 9.5/10
 
Far Cry 5
Decided to pick this one up after not minding Far Cry 3. Let me start by saying this: Far Cry 5 is BY FAR the best in the series in almost every facet of the series' core. I can't tell you how nice it was not having to climb up 20 towers in the game. Graphics were superb, setting was by far the best in the series, and so was the story. I also didn't realize how much of a powerhouse cast they had for this game until I finished it. Impressive. 8/10
 
November 2019
 
The Outer Worlds
Easily my 2019 GOTY. I haven't had that much fun playing a game since Mass Effect in February. I know I've said it a lot in these reviews, but again, this game had it all. I didn't have a single complaint about this game. Not one. Story, graphics, characters, world, all absolutely phenomenal. I was so glad to see this game get universal acclaim. It deserved it. 10/10
 
Rage 2
And now my worst game of 2019. This game was garbage. That is all I can say about this one. Don't ever waste your time on this POS. I can't believe I did till the end. 1/10
 
December 2019
 
The Darkness
This one was another slog to get through. The reviews of this game from 2007 are not representative of the game today. I can't really say one thing that this game did positive, at least by today's standards, other than offer a unique system of combat. Everything else was just not good. 4.5/10
 
TLDR;
The Good: Mass Effect series, Outer Worlds, Binary Domain, Risen 1, L.A. Noire, The Wolf Among Us, Sleeping Dogs, Watch Dogs 2, Dead Rising 2, Far Cry 5, Assassins Creed Odyssey, Red Faction Guerrilla Remarstered, The Bureau XCOM Declassified, Heavy Rain, South Park Fractured But Whole, D4: Dark Dreams Don't Die
 
The Average: Condemned Criminal Origins, Bioshock 1 & 2, Batman Arkham Asylum, Shadow Of The Tomb Raider, DmC: Devil May Cry, Thimbleweed Park, Brutal Legend, Wanted Weapons Of Fate, Tacoma, Gears Of War Ultimate Edition, Far Cry 3, Bound By Flame
 
The Bad: Crysis 2, The Technomancer, Outward, Alpha Protocol, Gears Of War 2, Rage 2, The Darkness
 
Now onto games that I'm currently playing/hope to get back to....
 
Sekiro: Shadows Die Twice (Playing)
Black Friday pickup. Really enjoying my time with this game, and after absolutely hating Dark Souls, this one has surprised me.
Kingdom Hearts 3 (Playing)
The games locations are so cool, especially after growing up around all these things... but the game is just so boring to play.
Little Nightmares
Not a big fan of sidescrollers but got this one for a good price. About half way through the game, just need to find motivation to finish it.
Fallout: New Vegas
Decided to give NV one more go and actually got into it. Unfortunately it's been paused due to me buying so many games on Black Friday, but it will soon be resumed.
Divinity: Original Sin 2
Enjoyed my time with it but the turn-based combat really just makes it a slow hassle to play. Honestly don't know if I'll return to it.
Metro Exodus
Wasn't a fan of what I had played, but will likely give it another try in the future before I put it down for good.
 
And now for games that have been retired, for the better good....
 
Resident Evil 2
This was my last attempt at trying to get into the Resident Evil franchise. After trying 0, 4, 5 and now 2, this series just isn't for me. I dreaded my time with Resident Evil 2, as I can only take backtracking through the same boring hallways with no ammo so many times. (Black Friday buy - returned)
Control
Didn't have high hopes for this game so I wasn't disappointed, but this game was just really, really bad. Easily the worse lighting/color palette of any game I've ever played, not to mention there's nothing interesting at all about the game and the combat sucks hard. I also had a table stuck around my character 3 times in the first 2 hours. (Black Friday buy - returned)
X-Blades
Just a bad game.
Recore
Enjoyed the game up until the point where I had to deal with BS and wasn't willing to deal with the BS. Didn't leave any lasting expressions on me.
Alien Isolation
I can't stand insta-kill games. I've tried to pick this one up on three different occasions, but the last one was my last straw. Just not a game for me.
Mass Effect: Andromeda
Bad game with the worst voice acting in a video game. What else is there to say?
Red Faction: Armageddon
Bad game that could've been good but instead is bad.
Vampyr
Another game that could've been okay but just fell completely flat on its face.
Ashen
Man, I really did enjoy my time with this game, but once they wanted me to through an entire castle with loads of enemies on each floor and no respawn points, that was it for me sadly.
Bully: Scholarship Edition
Just a boring game. I can see how it might've been fun for its time, but at least for me it doesn't hold up in the slightest.
 
If you made it this far, thank you for reading my 2019 in gaming review! Hopefully it helped out on some games on your list.
submitted by xOfMalice to patientgamers [link] [comments]

Student Loan Default: The Guide (reuploaded)

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

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

Definitions:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Strategy

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

Tactics

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

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

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

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

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

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

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

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

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

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

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

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

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

DEMOLITION DAYS, PART 77

Continuing
“Yes,” he replies, “Two will drive in in their own vehicles, but one will be flying, I think, it’s not yet been confirmed. If he does arrive on time, he’ll have to go in the field with you in your truck.”
“OK, now I’m a taxi service?” I snicker, “Price of poker’s going up.”
“Yes, right,” he grimaces, “As per your prospectus, you’re running the show out in the field. You have to being you’re the only one fully licensed. “
“This is news?” I asked.
“Well, “he continues, “All of your associates will possess some degree of blasting experience.”
“But none are licensed?” I ask.
“Not as such,” he replies. “Either way, you’re running the show out there. Make certain they all survive and return moderately intact.”
“Always my intention,” I say, “Can I see the list?”
“Certainly,” Harry says, sitting back and lighting up my cigar.
OK, let’s see…”
No doctors, yet. All last-year PhD candidates in either mining or engineering geology. Well, not my absolute first choices, but I guess it’s better than a sharp stick on the eye.
There’s:
• Albert W. Armstrong. “Al”. University of Missouri, Rolla. Mining geology.
• Charles F. Glaciisto. “Chuck”. New Mexico Tech., Socorro. Mining geology.
•Leonard. R. Paskapää. “Leonard”. Colorado School of Mines. Engineering geology.
“Well, there’s a nice assortment,” I say, “Guess I’ll see them when they get there.”
“Chuck and Al are driving out. Leonard is flying out, I think, and won’t be there for another two weeks.” Harry tells me.
“Fine by me. Hope they boned up and brought all the necessary gear. This is a real job, not a field trip.” I said.
“I agree Rock,” Harry intones, “They have the project prospectus, so there should be few surprises. Well, I’m off to some meetings in DC. I’ll have to catch you for dinner when you return. In the meantime, we have a reservation for you at the Hyatt next door. I’ve also arranged for your trailer and supplies tomorrow at 0600. I knew you’d want to be out on the road early.”
“Fair dinkum, Harry,” I say, “Sounds like a plan. I’ll be in touch. Have a good trip.”
“You too,” he says as we shake hands and depart.
The Hyatt was comfortable, but just another in a long line of chain hotels. Adequate clean room, decent food, ridiculous mini-bar prices. I was up at 0500, showered, and ready to head over to the armory for my Nevada supplies.
I show up at 0545. I was that ready to get back on the road. Surprisingly, all I had time for was an early morning Bear Claw and coffee before everyone showed up.
“Right this way, Rock,” Andy the Armorer told me. “Drive right back to bay 5. I’ll open it up and we’ll have you on your way.”
So, I wheeled back to Bay 5, spun the truck around, and backed right up to the door.
I tootled my horn and the corrugated door began to roll up.
Andy motioned for me to back in, slowly. Using hand signs, I backed in enough for them to close the door again.
I saw my old trailer over in the corner and was thinking it was nice to have a familiar bit of kit.
Then another trailer was rolled out. Fully twice the size of the old trailer, it was painted a ghastly government green, overlain with black and yellow cross stripes. It was plastered with DOD, DOT, DOI, and all the other necessary stickers. There was one large and very prominent sticker on the bumper that proclaimed; “EXPLOSIVES! DANGER! STAY BACK 500 FEET.”
“Oh, that’s nice and unobtrusive,” I said. “No one will give that a second thought.”
Fucking sheesh-buckets.
Half the trailer was taken up by a cast-iron tub, with hinged lid. It had an electric motor to raise and lower the lid, just the thing for going out in the boonies, I thought. It was made of very stout and thick welded steel and was quite lockable. It also looked bullet, lightning, and nuke-proof.
It also weighed a fucking ton.
The rest of the trailer had several lockable compartments, of varying sizes for the inclusions of all my different blasting equipment, all made of the same stern stuff.
The whole trailer had a resolute fiberglass lid, although the munitions tub still stuck out proclaiming its message of impending doom for all tailgaters to see.
“Is this all really necessary?” I asked Andy.
“Latest DOD, DOT, and DOI specs,” he told me.
“Marvelous,” I muttered.
“Well, let’s get on with the show,” I said. “You have my goodies list? I want to get out on the road.”
“Yes, sir!” he saluted, as he was still military. He barked some orders and suddenly, cart after cart after cart of the fun stuff arrived.
He delighted in showing me that this was a custom trailer. A special compartment in the tub was for binaries, a special section for dynamite, and one for all the other permissibles. The rest of the trailer was marked with cute little lockable cubbies for “Blasting caps,” “Galvanometer,” “Primacord,” “Demolitoin [sic] Wire,” etc.
It was all a very governmental job. Over-designed, over-engineered, and over-wrought.
I came to love it.
The lockbox in my truck was now empty, so I had the opportunity to load up with a few extras. I thought “You can’t go wrong with Primacord,” so 3 extra spools went in there. As did another couple boxes of initiators, pop-drop-forget fuses, a box of Fusees (road flares), delay caps, a couple of pairs of blaster’s pliers, as I kept losing mine, spools of demo wire, and extra batteries and an extra electronic detonator.
Best to be prepared, as I always say.
I was now weighed down with over to a ton of explosives, along with all the ancillary tackle.
Luckily my truck had that big, ol’ turbocharged V-8. We’re going into the mountains dragging the equivalent of a rental company Toy-Auto behind us.
I signed all the paperwork and waited until everyone present had their own notarized copy to lose. I was given two sets of keys, just in case. After I disbursed some thank you cigars, I eased out of the armory, dragging this trailer down that endless black ribbon of highway.
It was chained, wired, and padlocked to my truck. It would be a serious pain in the ass to take it off and park it for the night. Until I hit Reno, I either camp rough or stick to the plastic water glass circuit, that is, truck stops.
“No problem,” I thought. “I’ve done worse.”
Back on the road again, I’m cutting due west towards Arizona. Even with my truck’s big turbo V-8, with all the shit I was carrying and dragging behind, forget rapid acceleration or passing on anything even approximating a stiff grade.
I eased on down the road, out of New Mexico and into Arizona. I resolve to visit Cuba on the return trip.
A simple swing across Arizona and I’m in Nevada. Looks like smooth sailing ahead…
Things are going along swimmingly. I’m making great time on I-40 across Arizona.
Sure, it’s hot out, but there’s not much traffic and I can keep a pretty steady pace. So much so, I’m pointing the truck in a generally westward direction and I busy my long hours away futzing with the CB radio, eavesdropping on truckers on channel 19. Or, I futz with my shortwave trying to find Radio Moscow.
Yeah, even the CWG, car window geology, can pale after miles and miles of miles…
I’m tempted to swing through Winslow, Arizona just because I’m a fan of the Eagles. But the road is humming so nicely, I just decide to ‘Take it Easy’, and continue onwards.
Through Flagstaff, through Ash Fork, through Seligman. I’m blazing along only to have to take a bit a break outside of Kingman to avail myself of the roadside rest area facilities before I make the lane change and head for Vegas.
Or, more accurately, around Vegas. I want no part of dragging over a ton of high explosives down The Strip. Besides, the DOT would hang me by my thumbs, or more tender appendages, if I didn’t take an ‘ODOT’, or ‘Optional Direction Of Travel’.
Got to stay away from agglomerations of those people things.
That won’t be for a while as I head up Highway 93. Through Chloride and Willow Beach, up toward Henderson. I zip over the Colorado River and I’m in my destination state. In the far, far south of the state, and I’m headed to the extreme northwest of the state, but, hey, I’m in the damned state nonetheless.
Up towards Las Vegas, I really want to pull in, grab a suite, and go all Vegas-y. But, duty calls. I resolve to take Esme to Vegas when I get back to Houston and before we make any plans to head to some Middle Eastern sandpit.
I schuss up the 11 right towards Vegas and right on past via 215. I’m now on 160 headed towards one of my favorite cities: Pahrump, Nevada.
Governor Lepetomane: [pointing to a member of his cabinet] “I didn't get a "Pahrump" out of that guy!”
Hedley Lamarr: “Give the Governor a ‘Pahrump’!”
Politician: “Pahrump!!”
Governor Lepetomane: “You watch your ass.”
Pahrump, indeed.
Anyways, I continue along in Nevada as the sun slowly slinks down ahead of me. All the hours on the road, all this fresh air, all the cigars…
Shit, I need a drink and a nap.
I’m between Beatty and Bonne Claire, just outside the Mojave Desert when I suddenly felt the urge to pull over, climb in the back of my truck, have a stout drink, and flake out until it cools off some.
There’s really not much out in this part of the world, so I pull off the highway and go off-road some 150 meters or so; parking parallel, but somewhat distant to, the highway. That way, people would think I’m a local, or a camper, but not anyone in trouble. So they’d just flash by and leave me the fuck alone for a while. Plus, I didn’t need to look for a motel, pay for a motel, schlep baggage…oh, fuck, I need a road snooze…
I lock the cab of the truck, pop open the step cap, and climb inside. I couldn’t be arsed to find a proper glass for a cocktail, so I just liberated a frosty beer from the closest cooler.
I rearranged my tack in the back of the truck to make a most serviceable little nest, and pulled down, but didn’t lock, the back window. Just right for a few hours’ kip. I set my .454 next to me, got comfy on my sleeping bag, and was out before I could even start that initial beer.
I awoke suddenly, hearing rather than seeing something prowling around in the impenetrable darkness outside. Of indigenous animals, I possess no fear. But I’ve seen ‘The Hill Have Eyes,” “Texas Chainsaw Massacre” and actually hail from the land that spawned Ed Gein, so I’m a bit, well, ‘alert’.
I spy the glint of something possibly metallic, so it’s official. There’s an ax-wielding serial killer wandering around outside lusting for my giblets. He probably has a hook for a hand and only appears on the roadside on the anniversary of his family’s decapitations in a bloody sweater knitted by his dead wife.
Either that or it’s a silver possum.
Whatever it was, it went up to the front of my truck and seemed to be testing the doors.
I still have on my field boots, loosened, so I tie them as securely as I can manage. I slowly ease open the rear window of the step cap and, silently as a moose, slip out of the truck.
I have my .454 loaded and in defense position. Any small, slow, and stupid beast that turned its back on me was looking for a stomping.
The world went dazzling white as someone, or something shone a very powerful flashlight in my face. Imagine going from the inside of a cavern to the bright side of the sun in the space of 11 milliseconds. Luckily, my firearms training prevented any potential disaster.
Although, it did hurt like hell having one’s iris’ snap shut like that.
“Whoa!” I heard a voice, “Who the fuck are you?”
“Whoa!” I said, “Who the fuck are you?”
“STAND DOWN! NOW!” I heard.
“OK,” I thought, “It’s a cop…”
“Cool out! I’m licensed for CCL. See? Gun going down!” I said, loudly.
“OK, gun on the ground and stand back!” He ordered.
“Absolutely, sir,” I said, “I hear and comply.”
“What the hell is that?” I heard someone ask.
“Umm, Officer?” I asked, “I’m Doctor Rocknocker of Texas. I’m going to Reno to the BLM and DOI. I am licensed for CCL and that, lying there getting dusty, is a custom .454 Casull Magnum.”
“Come forward so I can see your hands and be recognized.” He orders.
“Yes, sir,” I said and complied.
“OK, slowly. Your identification.” He barked as I slowly handed him my wallet.
“OK. Doctor Rocknocker. Right. Texas CCL. OK. Texas Driver’s License. Right. Blaster’s license. OK. Master Blaster’s certificate. Umm. ISEE membership. Yeah. What’s this?” he asks, shining his light on my wallet.
“My Russian Driver’s License,” I reply.
“Um, yeah. OK…” he says and hands back my wallet.
“May I retrieve my sidearm?” I ask.
“Certainly,” he replies.
I grab my Casull and dust it off as best I can before shoving it out of sight, back into its holster.
“What the hell are you doing out here in the middle of nowhere in the middle of the night? He asks.
“Well, I’m a geologist…” I begin.
He holds up a hand and stops me right there.
“That explains it.” he snickers. “You fuckers are nuts.”
“Well, I cannot in good faith argue that point,” I concur.
Officer Westmoreland, as I soon found out, is a Nevada State Trooper. He saw my rig parked, dark, on the side of the road out here on the fringes of the Mojave. He was checking if anyone was around or might be in of need assistance.
I told him my long, sordid tale. I wandered over to my truck and pulled out a cigar. Officer Westmoreland refused my initial offer.
He didn’t resist when I pulled over my larger cooler, grabbed a glass, and poured myself several hands of bourbon over ice.
“Officer, I know you’re on duty, but could I interest you in a cold drink?” I asked. “I have several soft and hard drinks, whatever is your pleasure.”
“Well, Doctor,” he smiled, “I was on my way home and I was actually off duty when I saw your rig and stopped. Got a cold beer?”
“Certainly. Remember, I’m a geologist? Right. Lager? IPA? Stout? Porter? Can? Bottle? Domestic? Import?” I asked.
“Yep. You’re a geologist. Whatever’s handy,” he laughs.
I hand him a cold Spotted Coo from a small brewery way back in the Foam Town state.
I sit down on the tailgate and fire up a Coleman lantern to dispel the gloom. For the first time, I see Officer Westmoreland and he sees me.
“Please, have a seat.” I said, “I’m just trying to get my heart rate back down to normal.”
He does, at the far end of the tailgate. We’re still sniffing each other out.
He looks closely for the first time at my trailer.
“What’s all that about?” he asks.
“Oh, that?” I ask and take a deep draught of Kentucky’s Finest. “That’s just the transport system for over a ton of high explosives.”
He looks at me like I’m joking.
“Ah, it’s empty, right?” he asks.
“Nope. Totally loaded. Want to see the manifests?” I ask.
“You’re not fucking with me, are you, Doctor? Is that really is a ton of high explosives sitting there not 5 feet away…it’s not empty?” he shudders.
“Nope. It is quite full. See, I’m going to the DOI, pick up some trainees, and some toilet paper in Reno. Then we’ll all head out into the wild and blow the living shit out of some old, abandoned mines.” I reply.
“OH!” he says, relieved, “Wait! I’ve heard of that program. Hey! You’re that crazy guy from Texas, right?”
“I guess,” I replied offhandedly, “If that Texas guy is a geologist and fully licensed blaster.”
“Yeah! You’re him” he laughs, “Good to meet you, sir. It’s about time someone’s doing something about all these old fucking mines. I have to pull corpses out of them two or three times a year. Seal ‘em up, cement ‘em tight, leave bat bars, don’t matter none. Assholes rip it right down and tear it up, go in, fall down a fucking shaft and die. I have better things to do with my time than retrieve bodies, Doctor. I am glad you’re here.”
“I am glad to be here.” I reply, “We’re on a kind of pilot program. Another doctor, Dr. Eva and I, kind of pioneered the process of sealing mines completely or sealing them leaving bat access in the Four Corners area. One thing leads to another and here we are. Sharing a drink, and a smoke, not 1.5 meters away from a ton of high explosives.”
“Well,” Office Westmoreland says, “If you’re cool with it, so am I.” as he lights another Marlboro.
He decides on another quick beer, as he’s never has a Spotted Coo before. We sit and have a really nice chat. He was keen on looking at my .454. I showed him my 10 gauge Mossberg and he was impressed with that. Then I opened my vest to show him the twin 10mm Glocks I was toting.
“Preparing for action?” he asks.
“But failing to prepare, you prepare to fail,” I noted.
“I hear that!” he says and drains his beer.
He hands me the empty as I always carry garbage bags for just such an emergency.
“Pack out your trash” isn’t just a good idea, it’s the law.”
“Well, Doctor,” he says, “Time for me to go on home. Take it easy out here and get a few hours rest before you head out, you’ve had some of the wet stuff.”
“I plan to, Officer Westmoreland,” I assure him, “Thanks, and have a good rest of the night.”
“And watch out for serial killers” He chuckles, as he gets back into his squad car and heads off down the road.
“He was a nice chap. Very affable. Weird sense of humor, though.” I muse.
The next morning, I whip up a quick breakfast of roadside yaws and goiters. I clean up, pack everything back, and am back on the road.
I’ll be on 95 most of the way to Reno. Past Tonopah, Coaldale, and Hawthorne. Heading more or less due north.
The sun is already baking and I strip off my vest and put my Glocks in the lockbox. I am still wearing my Casull because reasons.
I motor past Schurz, and up to Silver Springs. I spend an hour there refueling and availing myself of the facilities.
I made sure to keep everyone happy and park out on the fringes of the truck stop after I gas up.
Now it’s 439 to Clark, Nevada, onto I-80. Headed more westy than northy now, aimed directly for Reno.
I check my DOI prepared itinerary and see I need to find Financial Boulevard in Reno. Very easy as the town’s laid out in a nice, neat grid-like sort of pattern, kind of.
I circle around the area looking for an entrance and spy the Genghis Khan Mongolian restaurant about a quarter-mile from the DOI office. I know where I’m having lunch.
I pull into the Bureau’s parking lot and head for the rear. I show my credentials at the gate as I don’t think I should leave this trailer out front.
I park and wander back into the DOI, weapons all secured in my truck.
Inside, I tell the secretary who I am and that I ‘m here on the Abandoned Mines initiative.
She says “Of course,” and picks up the phone.
Minutes later I am introduced to one Dr. Sam Muleshoe, the director of the DOI around these parts. He walks me back to his office.
“Well, Doctor,” he says, “Welcome to Reno. I trust you had a good trip.”
“Mostly uneventful,” I replied.
“Very good,” he says. “Your associates have not arrived as of yet. Should be here later tonight or early tomorrow. At least two of them will as Leonard won’t be here until the latter part of your project.”
“Fair enough,” I said. “Do we know of their vehicles”? I asked.
“What do you mean?” he says.
“Well, if there are three of us, I can only transport two. I hope one of the vehicles they’re bringing is a four-wheel drive.” I explain.
“I’m not certain.” he relates, “But I can check.”
“No worries,” I reply, “There’s nothing at this point we can do. Best to just wait and see.”
“Right,” he agrees. “Your truck. Is it parked out back?”
“Yes,” I reply.
“Good’, he says, “Let’s go.”
We go out to the back lot and just as I said, my truck and the trailer are sitting there.
“OK, Doctor,” he explains, “While we wait, we’ll get your communications sorted out. We have DOI HF (High Frequency) radios for all outgoing vehicles. We’re on a state-wide government frequency. Plus, we can add a bit of extra kit to your trailer if you like.”
“Such as?” I ask.
“We can add a motorcycle carrier.” he says, “That way, you can take a small dirt bike with you out in the field. If you desire.”
“Oh, fuckin’-A Bubba, hell yeah. I desire”. I think.
“Yes. Yes.,” I agree, “That might just come in handy.” I agree.
A member of the Bureau’s motor pool comes over and asks for my keys. He’ll handle all the modifications.
I hand over my keys, and we walk back to Sam’s office. We spend a few hours getting acquainted. Technical talk, very prosaic.
Since my associates don’t appear to be arriving that day, Dr. Muleshoe suggests I take a room at the Motel 666 just down the road. My truck will be safe and secure until tomorrow.
I agree and go back to my vehicle to gather a few odds and ends. The front seat looks like a Radio Shack exploded. The mechanics and electricians are having the very Devil’s Grandmother of a time hooking up the DOI radio. Seems I have already taken every fusible link available for my stereo, speakers, and other communications devices.
I stash the Mossberg in the back of the truck, under lock and key. I replace my Glocks under my vest and have my Casull on my hip. I grab my field case full of reprints and such, and a change of duds.
Back in the DOI offices, Dr. Muleshoe remarks that with my sidearms and Stetson, I look like a co-star in some Clint Eastwood flick.
This really blew my mind, the fact that me, an overfed, long-haired leaping gnome should be the star of a Hollywood movie.
But I didn’t Burdon myself with that thought for long. Didn’t want to start a War, now, did I?
A Bureau worker drives me over to the hotel. He drops me off with a directory of Reno BLM and DOI, with phone numbers. He also tells me that although this looks like an unassuming motel, they have delivery service from most of the better restaurants in town and that their Happy Hour should be starting soon.
I thank him and he tells me he’ll pick me up tomorrow at 0900 sharp.
I obtain a room easily as evidently nothing fazes these people out here. I wanted to take some time and fart around downtown Reno. But, I decided to let that go until the job is done.
Besides, I don’t feel like walking all over a new town the first night I’m in.
It was a very nice room, clean, utilitarian and with an in-room safe. I stash my sidearms and lock it up solid. I then get to the phone and make some calls.
I call Esme and let her know of my progress. Everything’s puttering along fine back home. Es is thrilled at the new blades I got for her rock saw and she tells me that the omphacite vase is almost ready. She also tells me that I need to bring back representative examples of Nevada’s oddball geology for her to work on. I assure her I will, profess my undying love, and hang up.
I call Rack and Run with an update. All very routine, the call lasts less than five minutes.
Then I call Harry in Albuquerque. Then I remember he’s in DC at a conference of some kind. I leave a quick message on his machine and hang up.
“Well, now,” I say to no one in particular, as I comb back my long silver hair. “Everything business-related is done and dusted. And I’m dusty.”
Down the hall, down the elevator, and off to Happy Hour.
Two for one drinks and they’ll even serve interlopers dressed in ghastly Hawaiian shirts and cargo shorts. I explain the proper construction methods of my signature cocktail and shortly, two large tumblers full of Rocknocker-cocktail appear as I’m perched upon Mahogany Ridge.
All for the princely sum of US$2.00.
I realize that I really like Reno.
It’s sort of a mini-Vegas, I find. I’ve never really been to Reno before and it really is “The Biggest Little City in the World”. Even in this little unassuming bar in this little unassuming motel, there are a couple of tables for roulette, craps, and blackjack.
And walls full of One-Armed Bandits.
Figuring I already paid my Stupid Tax by purchasing some scratch-off lottery tickets for Esme, and dropping $5 on the “Pick Five,” I could forego paying any more into the state’s coffers.
After several more cocktails, I was already 8 bucks in the hole for drinks and $40 bucks more feeding those infernally blinking, though ineffably inviting machines.
I tried the Blazing 7’s machine.
I lost.
I tried the Monopoly slots.
I lost.
I tried the Cash Express.
I came >< this close but still lost.
Disgustapated, I tried one final machine, The Jackpot.
I won $50 bucks.
“Holy shit!” I wowed, “Wow! I broke even!”
I quit immediately and went back to the bar.
I had another couple of drinks and after tipping out the bartender, I realized I had still lost.
I was down $12 dollars.
In other words, I did as well as usual.
Back in my room, I ordered some chow from the Genghis Khan Mongolian restaurant. At least here my luck was changing. It was excellent.
After checking out the next morning, I’m puffing on a cigar, waiting on my driver. He shows up spot on time and I go to snuff my cigar in an outside ashtray.
“That’s OK, Sir’, he tells me, “I don’t mind if you smoke. As long as you don’t mind me.”
“Fair enough,” I tell him, and we sally down the road to the DOI.
Of my three acolytes,
• Albert W. Armstrong. “Al”. University of Missouri, Rolla. Mining geology.
• Charles F. Glaciisto. “Chuck”. New Mexico Tech., Socorro. Mining geology.
• Leonard. R. Paskapää. “Leonard”. Colorado School of Mines. Engineering geology.
Albert and Charles arrived late last night, they drove in. Leonard, as Dr. Muleshoe noted, will arrive later, flying or driving in.
My truck is ready to go as is my trailer. I have my choice of several BLM/DOI motocross and dirt bikes, so I choose a cute little Maico 501, as the bike featured the largest two-stroke single-cylinder engine ever stuffed into a production bike. I figured I’d need all the torque I could get to haul my carcass around.
I receive extra fuel bowsers already pre-mixed with oil for the bike.
I’ve been a rider for years and even though most of my latest motorcycle driving concerns my Indian Super Chief, I’ve ridden dirt for years when I was younger.
I introduce myself to Albert and Charles. We shake hands and they tell me to refer to them as ‘Al’ and ‘Chuck’.
“And you will call me Rock,” I reply.
They were both cool with that.
I ask what vehicles brought them here. Al drove in via a beat-to-shit Volkswagen Van. Chuck drove his International Harvester Super Scout, also beat to death, or close to it.
“Gentlemen,” I say, assaying their field vehicles. “These will not do.”
They both immediately looked unconformable.
“It’s like this,” I relate to them, “I have my GMC 1-ton. It has room for two people, but not two passengers. I’m also towing a trailer, so I don’t want to be weighed down by all your field gear as well.”
They nodded in agreement.
“Let’s have a chat with Sr. Muleshoe,” I suggested, “He might be able to come up with a solution to our problems.”
So we did. The BLM lent us one of their field-kitted out Land Cruiser, a J-70. A boxy, utilitarian vehicle, with an eight-cylinder petrol engine with a five-speed standard transmission.
“Either you two know how to drive a standard shift?” I asked.
They both replied in the affirmative.
Harrumph. Try that today…
“Well, gents,” I said, “We’re burning daylight. We leave as soon as you two get loaded and figure out who’s doing all the stick and rudder work. You can drive together, or one can ride with me. Either way, we leave ASAP and we’ll do orientations and Q&A once we’re in the field. Chop-chop!”
The haul ass to their respective vehicles. They’ll park their rides in the DOI back parking lot for the duration. I go to get my truck and see if the trailer’s hooked back up.
It is and on the rear of the trailer, right above the warning signs for ill-advised tailgaters, is a well-used but still going to be fun as hell Maico 501 dirt bike.
This mission has suddenly taken on a more wholesome and lighthearted mien.
Al and Chuck decide to make the Land Cruise their vehicle and drive together, at least at the beginning. I have no objection and after dispensing the appropriate maps, itineraries, and other documentation, we do a radio check, as the BLM vehicle already had an HF radio.
With that sorted, we head out into the wilderness.
Once out on the streets of Reno, I ask for them to find us a grocery store so we can obtain field provisions for the next week or so. We’ll be out in the sticks, but there are enough little towns scattered about and with two vehicles, we won’t be as isolated as I first thought. I remember to stock up on Charmin Extra-Fluffy.
I mean, we’re not savages here.
We wheel into BinCo foods and invade the store for supplies. Al and Chuck ask what they should buy, as we all have BLM/DOI credit cards for the duration, and I tell them “whatever you want to make for chow”. I explain that I’ll eat just about anything, and am partial to meat, meat, and more meat. I leave them at that and head over to the liquor store down the street.
I have 5 huge coolers in the back of my truck. Two for drinks of all sorts, and three for food.
I obtain some of the necessary outback fluids and several bags of ice.
I ice down all the drinks and wheel back to the grocery store.
Al and Chuck are just emerging. I whistle them over to my truck as it’s going to be the Chuckwagon, no pun intended, on this tour.
We load their selections into the coolers and ice everything that needs icing down. I go into the store and purchase a few items I note they have missed, and place them in the bed of my truck.
I ask if they have everything necessary for a month out in the boonies, and they look to each other, shrug their shoulders, and reply that they think they do.
“OK,” I say, “Either of you armed?” I ask.
“No,” came the reply.
“You will be,” I reply, and ask if there truck’s gassed up.
At the Bumoco station, we fill our vehicles to the top. I check all fluid levels as my blinker light fluid’s been being used profligately lately.
“OK,” I say, “Last chance. Anything you even think you might have forgotten before we head into the wilds? Chapstick? Bug spray? Aloe?”
“No,” they reply, “We think we’re good.”
“All-righty, then,” I reply. “You have your maps, you have your compasses, and you have your vehicle. We will rendezvous at Pinnate Ridge in four hours. Bye.”
I jump into my truck, fire her up, grab a cigar, crank up some Floyd. I head out of the parking lot, generally south.
Both of them just stand there like guppy fish at feeding time.
They both realize I’m not fucking around and scramble back to their vehicle. The last I saw, they were still trying to get it into first gear.
I made it to Pinnate Ridge in 2.5 hours. It’s really very easy to find, even off the road. There are signs everywhere, even out in the sticks. Its prime desert dune and badland riding area, along with several mines on our agenda that are going to be closing down for good.
I arrive and scope out a likely looking camping spot. Nice flat ground, nicely elevated. A not-too-distant outcrop that will be fine for a latrine area. No running water, no trees, no firewood. I expected as much.
I pull to where my truck acts as a windbreak and set up camp.
Well, my camp at least.
Four hours later, I’m slurping a Grape Nehi sitting in my camping chair. I have a fire pit all set up but without fuel. I’m smoking a large cigar and looking through some of the older Mining News magazines. I haven’t seen another person the whole day since we all went off-grid.
Over a crest, I see the BLM Land Cruiser. Well, better late than never, I suppose.
They finally pull into camp, far too close to my truck, their back wheels in the soft sand.
“Gentlemen,” I say, arising from my chair, “Welcome to your first camp. As for your first test, well, more about that later. Let’s make camp, shall we?”
Wordlessly, they set about pitching tents, getting out sleeping bags and the like.
“Gentlemen,” “I ask, “How’s the weather?”
They look at me with blank expressions.
“You have radios in your vehicle, do you not? I suggest you call for an update for the next few days.” I recommend.
Later, “We did, Rock,” Chuck reports, “No rain, hot, with moderate northwesterly winds.”
“OK, good.” I continue, “What do you think of your campsite?”
They look and proclaim it fit.
“Hmmm,” I say, “Parked to the southeast, back wheels off solid rock and in the sand. What happens if a sandstorm kicks up tonight?”
They look, smack themselves collectively in the head, and reposition their vehicle, nose to tail with mine, forming a good windbreak for the entire camp.
“Gents,” I say, “’ Be prepared’. Get used to these words, you’ll be hearing them a lot from now on.”
“Boy,” I say, “I could sure go for a coffee. There’s the pot, here’s the water, and here’s the coffee. There’s the fire pit…”
“Where’s the wood?” Al asks.
“Oh, you didn’t bring any firewood?” I ask.
“No…,” they both say , sheepishly.
“Good thing I did,” I say, motioning to my truck. “Be prepared.”
Over coffee and cigars; well, a cigar for me, Al smokes a pipe, and Chuck is tweaking over Marlboro Reds, I go over the basics of our project:
  1. Locate mines.
  2. Map mines if maps need updating. Some are from the turn of the last century, so yeah, this will almost always be a task.
  3. Take representative geological samples. This is my own twist on the job.
  4. Photograph any mine chronological, or unusual, subjects.
  5. Inspect mines for ‘biologicals’. They’ve already been vetted, but I want to be certain.
  6. Find and delineate all surficial openings.
  7. Prepare mine for demolition.
  8. Wire in, prime, and set charges.
  9. Run demo wire out of the mine and back to the safety muster area.
  10. Demolish mine.
  11. Drink vodka & beer, sleep, repeat.
  12. There is no #12.
“Any questions?” I ask.
Chuck and Al were so busy taking notes, they didn’t have time to formulate any questions.
“OK, guys. Once you get all that, pencils down,” I say.
They finish writing and I see it’s already getting late in the day.
“OK,” I say, “Dinner if you’re hungry. Shall we eat?” I ask.
I decide on dry sausage and beer, as I’m not terribly peckish.
Chuck and Al get the fire going higher and grill up some hot dogs and beans.
Sitting around the campfire as dusk begins to descend, we sit around with our geological desserts. Beers for the guys and a double Rocknocker for me.
Now the drinking lamp’s been lit, we have a chance to chat and get to know each other.
“You guys are still doing dishes tonight,” I remind them.
“Yes, boss man.” They smile.
“OK,” I say, “There are a few things I need to get clear with you. One, I am the hookin’ bull around here. I say ‘jump’, you say ‘how high?’. I’m not too terribly tyrannical, but when playing around with high explosives, your very life might depend on it. Two, I’m the only one licensed to handle the explosives. You’re in training, but you will not go into the lockbox in the back of my truck nor the trailer until I deem you are ready. Violation of this rule is cause for immediate expulsion. And we’ll keep the vehicles. We green?”
To be continued.
submitted by Rocknocker to Rocknocker [link] [comments]

Advanced Binary Options Trading Strategy With Nadex Call ... Novo Robô De Opções Binárias 91 a 97% win na binary.com Call Option  Options Trading Concepts - YouTube Option Greeks Made Easy - Delta, Gamma, Theta, & Vega Ep ... 2 Minutes Strategy Binary Options 2020 (IQ Options) - YouTube THE TRUTH ABOUT BINARY OPTIONS - YouTube Binary Options Strategy 2020  100% WIN GUARANTEED ... BEST 1 MINUTE STRATEGY FOR BINARY OPTIONS IN 2020? - YouTube American Binary Option Pricing: 3 Period Binomial Tree Model Best Binary Options Strategy 2020 - 2 Min Strategy Live ...

For instance, a binary call option contract pays $1 at expiry, time T, if the asset price is then greater than the strike price, K. Why would you invest in a binary call? If you think that the asset price will rise by expiry, to finish above the strike price, then you might choose to buy either a vanilla call or a binary call. The difference is that the binary call can never pay off more than ... Vega of an option Tags: options risk management valuation and pricing Description Formula for the calculation of an options vega. Vega is the sensitivity of an option's price to changes in the volatility of its underlying. It is identical for both call and put options. Formula Vega has the same value for calls and puts and its' value is a positive number. That means when you buy an option, whether call or put, you have a positive Vega. This is also called being long Vega. As Vega is effected by volatility, a long Vega position means you want the volatility to rise. When volatility rises, it will increase the value of ... It should be noted that a call or put option with one year expiry period can have a Vega value of even up to 0.20. Volatility is an enemy for a binary options trader in the sense that it can turn a profitable trade ( in-the money) into a loss ( out-of-money ) at the moment of expiry. The vega for the call becomes negative when the binary option moves more into-the-money, while the inverse happens for my put. I read that calls and puts always have positive vegas, which is why I'm confused about my graphed results (see picture; x-axis represents different spot prices, all else equal). vega. stock volatility (%) 30. risk free rate (%) 5. time to maturity (years) 1. max spot price. 200. 0. 50. 100. 150. 200. 0. 20. 40. 60. 80. 100. spot price. call options: price. Row [Transpose [{{binary, vanilla}, {}}],] This Demonstration shows the price and "Greeks" for binary call and put options together with the corresponding vanilla European option as a function of underlying spot ... My assumption was that these are generally all positive if I am long a call option. There are two effects going on at the same time. When the price goes up, you expect to make more money from your call option, but it has also become more likely to knock out, by merit of being closer to the barrier. One of these is positive, the other negative, and their magnitudes depend on how close to the ... The option's vega is a measure of the impact of changes in the underlying volatility on the option price. Specifically, the vega of an option expresses the change in the price of the option for every 1% change in underlying volatility. Options tend to be more expensive when volatility is higher. Thus, whenever volatility goes up, the price of the option goes up and when volatility drops, the ... Details about Greeks for Binary Options : Delta, Gamma, Rho, Vega Theta Continuing further from Binary Options Payoff Functions, here are the graphs and images for Greeks for Binary Options – please note that we have taken the case of Binary Call Option Greeks. Binary Put Option Greeks and Binary Tunnel Option Greeks will be different: Delta for Binary Options If you closely look at the ... For example, consider a 3-month call option with strike price $50 on a stock currently at $50. Assume the current volatility is 40%. The option costs $4.21 and its vega is 0.10. Since vega is positive, the option price will go up if the volatility goes up; and it will go up by 10 cents for every one percent gain in volatility. (At least for awhile.) Conversely, the option price will retreat by ...

[index] [29224] [17876] [28662] [8407] [20979] [21877] [14778] [15468] [2367] [28806]

Advanced Binary Options Trading Strategy With Nadex Call ...

In today's episode of let's talk stocks, we are going to take a look at option greeks. We'll to talk about delta, gamma, theta, and vega. In this video, we w... Este bot tem muitas opções por um preço justo de 10 dólares. O bot é altamente personalizável e é inteligente. Para comprar: https://produto.mercadolivre.com... www.investmentlens.com We price an american binary call option in a 3 period binomial tree model. Idea is to show how an option with a particular payoff can be priced in discrete time framework. IQ Options -https://affiliate.iqoption.com/redir/...Please subscribe and leave a like for more videos.Online trading is a very risky investment/profession. It i... 💲💹Pocket Option: http://www.cryptobinarylivingway.com/PocketOption 💰💲FULL BEGINNER? Join My PERSONAL TRAINING!💴💵 BLW Trading Academy: http://www ... Advanced Binary Options Trading Strategy With Nadex Call Spreads To get the transcript and MP3, go to: https://www.rockwelltrading.com/coffee-with-markus/adv... A call option gives the owner the right, not the obligation, to buy 100 shares of stock at a certain strike price and expiration. In this segment, Mike walks... Are binary options a good idea? If you're thinking about trading binary options, watch this video first. Check out our FREE training for traders https://bi... The road to success through trading IQ option Best Bot Reviews Iq Option 2020 ,We make videos using this softwhere bot which aims to make it easier for you t... Best Binary Options Brokers for this Strategy: 1. 💲💹IQ Option FREE DEMO: http://www.cryptobinarylivingway.com/IQOption1 2. 💲💹Pocket Option FREE DEMO: http

http://binaryoptiontrade.rilasva.tk