4856 lost military id card

MS methods only available to Military

2017.11.04 08:23 Gonzohawk MS methods only available to Military

This sub discusses manufactured spending methods and other credit card benefits available only to military personnel. Please send a message to be considered. MUST be an active participant (min. 6 month old account and 50 comment karma from /churning (no new or alt accounts allowed (https://350hp.github.io/))] and a current Service Member.
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2010.12.27 04:57 elmostreet1 Welcome to the largest PVZ discussion board online!

The Largest Plants Vs Zombies discussion board, with topics ranging across all games and spinoffs in the series!
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2012.07.06 00:18 r/ProtectandServe

A place for the community and law enforcement to visit, discuss and interact.
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2024.05.16 05:02 designermama Son is age locked out of his account

My son wanted an oculus for his birthday - NOTHING ELSE - just this thing. He is 12 ... therein apparently lies the problem. He set up his accounts himself so I am assuming he must have just picked random days or years - just trying to get to playing his games. This was last month. Well this month they've somehow determined he is potentially younger than whatever he said in his profile and were asking for an ID - which he doesn't have - he's 12. So he waits until he is totally blocked out to tell me today. It's saying he has until August something to resolve this or his account is lost forever. We bought a ton of shit around this thing for him for his birthday since it was ALL HE WANTED. The case, the special strap, the device itself, gift cards, a charging station blah blah - and what - now it's all bricked? I can't seem to find recourse. I can't find any real contact info. I can't even change his age to his real age on any profile.
Would I even be able to make a new account for him under my meta profile (I made one just to try to resolve this) - or is this lockout connected to the device? To say I am unhappy is an enormous understatement after spending hundreds of dollars on this thing and then for the company to provide NO resolution or even a path to one.
submitted by designermama to oculus [link] [comments]


2024.05.16 04:57 its_whirlpool4 Events for Fri 5/17 - Sun 5/19

** BOTH FRI 5/17 AND SAT 5/18 *\*
Motorcycle Safety Foundation Ride Day New Mexico Motorcycle Safety Program, 3401 Pan American Fwy Take Your First Ride: Ride a motorcycle in 30 min or less for free. MOTO Intro provides the motorcycle, helmet, gloves, and coaching. Free Riding Skills Test: Take the challenge of an advanced MSF course! SKILL Check participants, bring your motorcycle and gear! Please wear over-the-ankle footwear, long pants and long sleeves
Niños and Teeños: Flamenco para todos Carlisle Gymnasium (Elizabeth Waters Center for Dance), UNM, 301 Yale Blvd. NE National Institute of Flamenco presents Niños y Teeños Flamencos in FUTUROS FLAMENCOS. Come see the high-energy flamenco of the National Institute of Flamenco's Student Companies. Don't miss this special showcase by talented youth in our community! (tickets)
** Fri 5/17 *\*
Fri 4:30 PM Bike to Wherever Day Canteen Brewhouse, 2381 Aztec Rd. NE Learn about exciting bike routes in Albuquerque and grab some cool giveaways to kickstart your cycling adventures. Whether you’re a seasoned cyclist or just starting out, there’s something for EVERYONE at our pop-up table! We'll have Canteen will be volunteering at a table from 6:30-9am and then again at 4:30-6:30am. Receive $1 off your beer if you arrive on your bike
Fri 5 PM Pistachio Cream Ale Release Tractor Brewing, ALL locations We're bringing back this seasonal favorite for American Craft Beer Week! Inspired by pistachios produced right here in New Mexico this brew is as smooth as silk and as tasty and a fresh roasted pistachio. This is a very limited one off for us, so come and get you a pint or growler while supplies last
Fri 5 – 7 PM May Babies Birthday Celebration Rio Bravo Brewing, 1912 2nd St. NW Starting at 5pm, the first 25 people with May birthdays to show Ryan proof of their birthday month will score a $5 Rio Bravo Brewing Gift Card...oh, and Beers are on special for birthday kids for just $5! But you spend your gift card however you want! Thanks to Cake Fetish...we'll have cupcakes for the May Birthday Kids (while supplies last) We'll have prizes JUST for the May Babies! We'll also have drawings for all you non-birthday folks too If you want to get their before us...All drinks are $1 Off for May Birthdays the whole day!
Fri 5:45 – 7:15 PM 22 Veterans Suicide Awareness WOD BFit505, 11500 Menaul Blvd. NE Each month, Team Bravo & Bfit505 team up to bring awareness to veteran suicide. Before our events, we will take a moment and talk about the issue. Then we will begin with our 22 reps WOD followed by a 2.2 mile ruck/walk/run. Afterwards, we will be going out to eat for social time with friends and family. This event is for all levels
Fri 6 PM Sandia Social - May Hangout Dawn Patrol Coffee Shop, 3619 Copper Ave NE We will be hanging out around the patio and inside starting at 6pm! Bring your friends and come hang out!
Fri 6 PM Pink Therapy, A Latin Dance Fundraiser for Breast Cancer Sobremesa, 3421 Coors Blvd. NW On The One and Pachanga Productions' "Salsa Therapy" night has made its mark in the Latin Dance community, now we are using the symbolism of "Therapy" under "Pink Therapy" but this time it is to fundraise in partnership with the Pink Warrior House Foundation in order to provide outreach and increase resources for those warriors battling against breast cancer. On The One and Pachanga productions will be involved in community outreach and utilizing our resources to help those in need. Cover charge is a SUGGESTED $20 donation (ALL PROCEEDS GO TO Pink Warrior House Foundation). Cocktail hour from 6-7 PM (purchases go to PWH on selected drinks). Dance lesson from 7-8 PM. Open dance floor 8-12 AM. Be aware of Media/News coverage. We need everyone's assistance with this, PLEASE SHARE FAR AND WIDE, those warriors battling breast cancer need our help. Let's do our part. We are asking for the entire Latin dance community to come out and support. This will be one of many fundraisers that we do for organizations like PWH. Lets use our dance skills to help those in need!
Fri 6 – 8 PM May Flowers Stampin' Bingo (in person) Hip Stitch, 2320 Wisconsin St. NE Cost is $35 for 6 rounds of bingo, prizes, and make n' takes! Message for more info or to register
Fri 6 – 8:30 PM Los Domingueros Live El Vado, 2500 Central Ave SW Prepare for an unforgettable fusion of Latin dance beats and rock energy as Friday Night Live at El Vado proudly presents New Mexico's premier menudo-based band, Los Domingueros! Few bands can match the infectious joy and vibrant rhythms that they bring to the stage. A multi-talented group of musicians, they take listeners on a musical journey like no other. From the pulsating rhythms of salsa, bachata, and cumbia to the high-energy vibes of ska and reggae, sprinkled with a dash of punk and thrash, their eclectic repertoire promises an exhilarating experience for all. As always, treat your taste buds to a delightful selection of culinary delights from our diverse food pods. From savory stir-fries to tantalizing Latin flavors and heavenly desserts, there's something to satisfy every craving. And don't overlook the opportunity to quench your thirst with a crisp craft beer from Ponderosa Brewing Company, conveniently available at the El Vado Tap Room
Fri 6 – 10 PM Fork Cancer Gala FUSION ABQ, 700-708 1st St. NW The American Cancer Society is hosting Albuquerque's second #ForkCancerAbq fundraising event. VIP 6pm - 7pm. Gala 7pm - 10pm. Dress Code: Gala Attire. #ForkCancerNM is a foodie's dream, with local restaurants and bars bringing out their best to truly showcase the Taste of Albuquerque while raising money for the American Cancer Society's life-saving mission in New Mexico supporting Access to Care like patient transportation, patient lodging and 24/7 support. Along with life saving research and grants. With great opportunities to raise money, we will also have live entertainment! (tickets)
Fri 6:30 – 10 PM Community Movie Night South Valley Multipurpose Center, 2008 Larrazolo Rd. SW Feature of the night: In The Heights. Bring your dinner, blankets and chairs. Please no glass containers
Fri 7 PM Movie In The Park ABQ Food Park, 6901-B San Antonio Dr. NE ABQ Food Park is bringing back Movies In The Park, starting off the summer with a screening of The Sandlot. Arrive early to get your face painted by Local Locas Facepainting before settling in with your blankets, chairs, and appetite for a delightful evening at the park with loved ones. Indulge in delicious fare from our food trucks while enjoying this timeless film under the stars. Please do not bring outside food as we have a variety of food options at the park. Please support our local food vendors. Entry is free! Reserve your tickets
Fri 7 – 10 PM Emerald Ball Holiday Dance Studio, 5200 Eubank Blvd. NE, Ste D Celebrate the enchanting month of May by donning your finest emerald attire. Bring in the vibrant spring season by joining us in elegant semi-formal wear of rich verdant colors and dance the night away! A Foxtrot lesson will begin the evening at 7pm followed by open dancing. Call 505-508-4020 for more information. $30 non-members
Fri 8 PM – 2 AM Sucia EDC Gogo Takeover Sidewinders Bar and Grill, 4200 Central Ave SE Sucia Productions is bringing the Electric Sky to Sidewinders! No need to have EDC FOMO because Papa Sucia is ready to bring the party to you! Come join your Sucia Family for a Night of PLUR! Featuring the Sucia Gogos on multiple boxes and individual dances available in the Cabaret Room! Hosted by Papa Sucia and Sucia Gogo Madam Sativa Rico-Stratton. DJ Unzipped will be bringing the you the best EDM set for you to dance the night away!
Fri 9 PM – 1:30 AM Callaita Fridays Salt Yard West, 3700 Ellison Rd. NW DJ Soiree will be spinning under the stars in the Salt Yard, promising a night of electrifying Latin music. This 21+ event guarantees an atmosphere where you can fully embrace the rhythm without inhibition. Whether you're a die-hard fan of Reggaeton or simply seeking a night of unparalleled fun, "Callaita Fridays" is the place to be
Fri 10:30 PM – 12:15 AM FACELESS AFTER DARK - new meta horror starring Jenna Kanell of "Terrifier"! The Guild Cinema, 3405 Central Ave NE All Seats $8. Check out the trailer. Dir. Raymond Wood - 2023 - 82m. Following her breakout success as the star of a killer clown horror flick, Bowie (Jenna Kanell, TERRIFIER) now finds herself struggling to capitalize on its success. But when she is suddenly held hostage by an unhinged fan posing as that same killer clown, horror becomes her reality as she fights to survive the night and escape before he completes his sinister plan to recreate the film's fatal plot (tickets)
** Sat 5/18 *\*
Sat 8 – 10 AM Planting Corn Seeds Lynn Garden, 176 Manierre Rd., Corrales We will be planting corn seeds; a new crop for Seed2Need this year!
Sat 8 – 10 AM Run for Mercy 5K Sagebrush Community Church, 6440 Coors Blvd. NW Join our team to run with us to support Mercy Multiplied, which exists to provide opportunities for all to experience God's unconditional love, forgiveness, and life-transforming power. Mercy offers free-of-charge Residential and Outpatient Counseling Programs, as well as Outreach Services that include workshops and trainings, our Keys to Freedom discipleship study, and Keys to Freedom Retreat (register)
Sat 8 AM – 12 PM Downtown Growers' Market Robinson Park, 810 Copper Ave NW Every Saturday from 8 am - NOON! This vibrant community event connects local farmers, growers, artisans, wellness makers, and hot food vendors with the local community from mid-April to early-November. Bring friends / family or come solo to enjoy fresh food made on sight, a variety of seasonal produce, unique arts and crafts, live music, and special programming all in the heart of downtown
Sat 8 AM – 2 PM Rio Rancho's Biggest Yard Sale Cabezon Park and Community Center, 2307 Cabezon Blvd. SE, Rio Rancho FREE Admission! Clean out your garage, spare bedroom, attic and shed. Come join us to sell all of those items that were collecting dust, find a treasure that you didn’t know you needed, and enjoy a day in the park! Vendor space $35 for a 15’ x 15’ space (Tables and chairs are not provided) Must register online, NO Drop-Ins Accepted. Please call the Cabezon Community Center at 505-892-4499 for more info
Sat 9 AM Send Haley to Spain Sand Volleyball Tournament Charlie’s Sandbox, 4335 Paseo del Norte NE All proceeds go to Haley and her trip to Spain in July! $20/per player. All Skill levels! Prizes for 1st & 2nd place. 4-6 players Coed with 1 female on team. Check in @ 8:30am. More info: Jillian (505) 322-7228, Haley (505) 331-4788, Charlie (505) 239-2461
Sat 9 AM Invisible Heroes Run Believers Center of Albuquerque, 320 Waterfall Dr. SE Join Runfit and the American Society of Radiologic Technologists for the inaugural Invisible Heroes 5K Run/Walk. It is a community event being held to recognize the vital role that medical imaging professionals and radiation therapists play on the health care team and to introduce the public to these vital health care professionals. You are invited to run and walk to celebrate the important work done by invisible heroes. At packet pick-up, you will have an opportunity to tour the ASRT Museum and Archives. Age group, overall, and team awards, including a great t-shirt and finisher medals for all participants (register)
Sat 9 AM - 4 PM 16th Annual CTC Vintage Tractor & Car Show Corrales Recreation Center, 500 Jones Rd., Corrales Join us for a fun day in the Corrales Park. There will be music, food, hot rods, tractor, stationary engines and more. Proceeds Raised will benefit Corrales 4H and Historical Society. Free admission. $10 for show participants
Sat 10 AM – 12 PM Foraging for Fun(ds) Los Poblanos Open Space, 1800 Tierra Viva Pl. NW Join Rev. Ryan Tate on a foraging excursion! Rev. Tate, of the African American spiritual tradition and an IPL board member, wants to bring their loving knowledge of NM edibles and herbs to you. Discover the food right under your nose and how easy it is to enjoy! We’ll meet to explore and harvest native and edible plants. Enter the Open Space area from west bound Montano Boulevard. After foraging, we’ll gather to taste our harvest and other locally sourced treats. Sign up today to participate - space is limited. This is a fundraiser for our work for climate justice: Please give generously (Suggested minimum donation $10)
Sat 10 AM – 3 PM Homebrewer's Happy Hour Southwest Grape & Grain, 3401 Candelaria Blvd. NE Homebrewer's Happy Hour is the perfect chance for all homebrewers, wine makers, distillers, or anyone interested in learning, to connect with others, share a drink, and learn about a new subject each month! $1 off beers from 10am to 3pm. Presentation on monthly subject at 1pm with open forum to discuss after. Food truck on site for lunch! May 18th - Barley
Sat 10:30 – 11:30 AM Animal Tales with the ABQ BioPark Ernie Pyle Library, 900 Girard Blvd. SE Dive into the captivating world of animals with "Animal Tales" presented by the ABQ BioPark! Join us for a delightful reading session featuring an animal-themed book. Experience the magic as the BioPark brings along real animals and biofacts that connect to the story, giving kids an exciting opportunity to meet these creatures up close! Don't miss this engaging and educational adventure for young animal enthusiasts!
Sat 10:30 AM – 12:30 PM FolkMADS Third Saturday Family Dance Albuquerque Square Dance Center, 4915 Hawkins St. NE Dancing, song, and live music for kids of all ages. No experience needed to have fun! Children must be accompanied by an adult. Children dance free, Adults $10
Sat 11 AM – 1 PM Annual Summer Kick-Off Event! Matheson Park Elementary, 10809 Lexington Ave NE Join us as we kick off the summer with fun, a food truck, face painting, dunk tank, and more! Bring your family and your pets for a Blessing of the Pets. There is no cost to attend and all are welcome!
Sat 11 AM – 3 PM Wine + Art Afternoons Gruet Winery, 8400 Pan American East Fwy NE Prism Arts presents a new public art and social series with a special one-day multi-artist event. Join us inside the Gruet Winery with a selection of fine art, prints, paintings, jewelry, and ceramics from local artists Vanessa Alvarado, Eric Romero, Margarita Paz-Pedro, & Aaron Richardson. Enjoy unique art, amazing fine, food, and a social environment with the artists and the public. *All art purchases receive a complimentary bottle of Gruet Wine*
Sat 11 AM – 3 PM Bernalillo Family Fun Festival! Calvary Church, 4001 Osuna Rd. NE Get connected to community and enjoy a Fun Family Day!
Sat 11:30 AM – 4 PM Imaginary Friends Fest Flix Brewhouse, 3200 La Orilla Rd. NW Let your imagination run wild! Join us in the lobby to celebrate the opening of IF! Enjoy photo ops, freebies, an in-theater giveaway, and activities for the whole family. All ages are welcome!
Sat 12 PM BBQ n' Crawl Supper Rock Park, 598 Monte Alto Pl. NE Mini Crawlers 505 and Duke City RC are throwing a BBQ and crawl sesh! All rigs welcome! Please mark going if you are, so we can get enough food!
Sat 12 PM May Brew Tour - Farewell Tour Rio Bravo Brewing, 1912 2nd St. NW This is the last NM Brew Ha-Ha Beer tour for the season. The 24-25 season will start in June 2025 so stay tuned for the season lineup release. Rio Bravo Brewing, Ponderosa Brewing, Bow & Arrow Brewing, Juno Brewery. At Rio Bravo, a DD will be selected, then we’ll head to the other breweries in the order listed. T-shirts, if ordered will be delivered. For safety, a breathalyzer is available, a DD will be established and a liability waiver will be signed by all participants. Safety is of utmost importance. We want everyone to enjoy their tour and arrive home safely
Sat 12 PM Drag Bingo & Brunch! All Ages Welcome! Sidewinders Bar and Grill, 4200 Central Ave SE Join us for a Drag Queen Bingo and Brunch benefitting The Albuquerque Roadrunner Tournament 2024 (coming up in September). Hosted by Priscilla Bouvier. Doors 12pm. Show 1pm. Bingo, Prizes, Giveaways, Raffles, Cocktails, Mocktails and Fun!
Sat 12 PM Empire's 9th Anniversary - FREE PLAY ALL DAY Empire Board Game Library, 3503 Central Ave NE It's Empire's 9th Anniversary celebration and you're invited! We've been here 9 years and it's all thanks to the support we get from you, so to show our appreciation, this Saturday's celebration is our gift to you: Come in and play for free all day! Every game is on sale all weekend! We're holding raffles over the course of the day to give away some great games! So come on down and let us thank you!
Sat 12 – 3 PM STOODIS!: An AIDS/LifeCycle Fundraising Event Soo Bak Seoul Bowl, 111 Hermosa Dr. SE Help Vanessa Bowen cross the finish line – the fundraising finish line, that is! Vanessa is on a mission to raise $3,500 to participate in the 2024 AIDS/LifeCycle, a 545-mile charity bike ride from San Francisco to Los Angeles from June 2nd to 8th, 2024. Join this special fundraising event and send-off party for an afternoon of entertainment, vendors, bike tune-ups, raffle, and food and drink specials. Come prepared to support our local vendors and find out how you can win our selected giveaways. AIDS/LifeCycle benefits, and is jointly produced by, San Francisco AIDS Foundation (Tax ID # 94-2927405) and Los Angeles LGBT Center (Tax ID # 95-3567895), each of which is a nonprofit, public benefit corporation recognized as tax exempt under IRS Code Section 501(c)(3). Donations to AIDS/LifeCycle are deductible for income tax purposes, to the extent permitted by law. Vanessa Bowen (They/Them) is a Diné (Navajo) product designer and cyclist. Their work gravitates toward the intersection of design and social equity. Bowen is a former Outride Ambassador, current Chamois Butt’r and Kuat Racks Ambassador, founder of Get Native Kids on Bikes, and a supporter of AIDS/LifeCycle. If not creating in their studio in Albuquerque, they are training for a cycling event or community building for a just, equitable future (more info)
Sat 12 – 5 PM Day Camp - A Festival for Families Tin Can Alley, 6013 Signal Ave NE Day Camp is where adventure meets education, creativity, and community in a fair-like environment where a variety of youth development organizations are excited to share their programs. In partnership with Warehouse 505, and featuring organizations such as Explora, there will be workshops ands expos for kids to discover new passions across music, art, science, and more. Supporting Youth Security & Education, all dedicated funds raised will be going to New Mexico non-profit organizations
Sat 12 – 5 PM Monthly Pinball Tournament Sister, 407 Central Ave NW All skill levels and players welcome! 21+ Sign up starts at 12 pm; tournament play starts at 1 p.m. Entry fee is $5 + coin drop
Sat 1 – 5 PM United in Beer Collaboration Festival Ex Novo Brewing, 4895 Corrales Rd., Corrales United in Beer is a New Mexico statewide collaborative beer festival that benefits the Somos Unidos Foundation with 26 participating breweries, which were randomly partnered through a live draft and then together selected the beer style they would collaborate on. All beers will be showcased at the festival. Tickets are limited. Portions of ticket sales will donated to Somos Unidos Foundation, a 501(c)(3) dedicated to creating positive outcomes for New Mexicans through art, sport, community, and unity. This will be a 21+ Event. Food trucks will be on site. Included with ticket purchase is: Festival access, 8 drink tokens, and a United In Beer glass! We recommend bringing: Sunscreen, your friends, and good vibes
Sat 1 – 10 PM Boots In The Park Presents Thomas Rhett, Chris Young & Friends! Balloon Fiesta Park, 5000 Balloon Fiesta Pkwy Dust off your boots and get ready to holler, because Boots In The Park is making it's way to Albuquerque, y'all! Join us for a rootin', tootin', two-steppin' good time with none other than Thomas Rhett, Chris Young, Chris Janson, Kameron Marlowe, Dylan Schneider, Leaving Austin and beats by Luwiss Lux. We're talking about an evening filled to the brim with live tunes, finger-lickin' craft food, and the smoothest cocktails. We'll be kicking up dust with some good ol' line dancing and a whole heap more, as Balloon Fiesta Park is transformed into Albuquerque's best country music party! Past folks to grace the Boots In The Park stage are Carrie Underwood, Blake Shelton, Tim McGraw, Cody Johnson, Jon Pardi and a bunch of other country legends. But this day is gonna be one for the record books, a show that will leave y'all talking for years to come (tickets)
Sat 2 PM Annual Castro Concerto Competition Albuquerque Youth Symphony, 4407 Menaul Blvd. NE Join us to hear talented high school juniors compete for the privilege of performing with the Youth Symphony during the Albuquerque Youth Symphony Program's 2024-2025 concert season! This event is free and open to the public. We also plan to stream this event live on Facebook for anyone not able to attend in person
Sat 2 PM "Greatest Moments" - a fundraising concert for Opera On Tap New Mexico Central United Methodist Church, 201 University Blvd. NE Join us for an afternoon of music to help raise money for Opera on Tap - New Mexico! Featuring some faculty and students of University of New Mexico, along with other local professionals, we have put a program together highlighting some of the show-stopping, beautiful moments of opera and musical theater! Suggested donation $10
Sat 2 – 7 PM Rawking: An Afternoon Metal + Art + Comedy Extravaganza Juno, 1501 1st St. NW Featured performers include Light Thief, Destroy to Recreate, Guvtika, Abandoned Saviors. outdoors on the patio with Four Bands, Comedians, Artists, Vendors. Produced by Metal World Radio. 21+. $10 at the door or presales online
Sat 3 – 8 PM Albuquerque Roller Derby presents: Sandia Slammers vs. Bosque Bruisers! Expo New Mexico - Manuel Lujan Jr Exhibit Complex, 300 San Pedro Dr. NE Albuquerque Roller Derby has gotten SO big we’ve split into two teams! Sandia Slammers & Bosque Bruisers! Get your tickets for our first Home Game of the 2024 season
Sat 3:45 – 5:45 PM AND 7 - 9 PM The Twilight Saga: Breaking Dawn - Part 1 Flix Brewhouse, 3236 La Orilla Rd. NW Experience the Twilight saga's epic romance and thrilling fantasy BREAKING DAWN - PART 1 on the big screen! Bella and Edward, plus those they love, must deal with the chain of consequences brought on by a marriage, honeymoon, and the tumultuous birth of a child, which brings about unforeseen and shocking developments for Jacob Black (tickets)
Sat 4 – 8 PM Drink Local Downtown ABQ - May Step into the heart of Albuquerque with our thrilling, free monthly bar crawl event! Immerse yourself in the local charm as we celebrate community, culture, and creativity right in the heart of ABQ. In partnership with ABQCore Neighborhood Association, a locally organized and hosted event, we're bringing you a bar crawl experience like no other. This isn't just a crawl; it's a vibrant celebration of local businesses, a showcase of community talent, and a monthly escape into the unique flavors that make ABQ special
Sat 4 – 9 PM Summer Market ABQ Food Park, 6951 San Antonio Dr. NE Dive into the magic of summer evenings at ABQ Food Park with our captivating Summer Market! Join us for a delightful evening, where you can browse an enchanting array of offerings from local artisans and support our vibrant community businesses. Discover unique treasures crafted with love and passion by talented artisans, from handcrafted jewelry to exquisite home decor. Every purchase you make supports local creators and contributes to the thriving arts scene in our city
Sat 5 – 8 PM National Astronomy Day! Rainbow Park Observatory, 301 Southern Blvd SE, Rio Rancho The Rio Rancho Astronomical Society will host National Astronomy Day at Rainbow Park Observatory. There will be food for a donation, family activities and safe solar viewing. Dr. Tony Hull will appeal at 7 pm about his work on the James Webb Space Telescope. He will also have some info on light pollution
Sat 5 – 11 PM Beer & Jazz on the Hill Tractor Brewing, 122 Tulane Dr. SE We're bringing you a full night of brews and Jazz with the very talented Rona & Meli opening things up at 5pm and our house Jazz band Basilaris Trio closing things down at 8!
Sat 6 PM Bear Affair 4: Spanish Tapas Beer Pairing Dinner Boxing Bear Brewing, 8420 Firestone Ln. NE Join us on our patio for an ALMOST summer night paired with a variety of our seasonal beers, chef-crafted Spanish tapas, and flamenco. Featuring chef Christopher Midyette And the artist dance group Spanish Broom. Tickets are $65 per person and include a welcome beer, three course tapas style meal with beer pairings and entertainment for the evening
Sat 6 PM One Year Anniversary Celebration Urbanmama505 Kombucha, 1014 Central Ave SW, Ste A Celebrating one year of love, abundance, and sharing wellness. Right after Open Mic 4-6pm, we will be graced with a jazz concert by Davis Nelson-Hooker, an amazing local musician. Elixirs and small plates for purchase
Sat 6 – 9 PM Gone Country Saturdays with DJ Soiree Ponderosa Brewing, 1761 Bellamah Ave NW It's Gone Country Saturdays featuring the amazing DJ Soiree! Start your evening with free dance lessons at 5 pm, followed by family-friendly entertainment
Sat 7:30 – 9 PM Saturday Night Stand-Up Bosque Brewing Co - Nob Hill, 106 Girard Blvd. SE Live from ABQ, it’s… Saturday Night Stand-Up Hosted by Nax Davis! Every third Saturday of the month! Seating at 7:30 - Comedy at 8. Featured line-up of local comics includes: MEG FINN, BRYAN LAMBE, SARINA OCHOA, MARY BYRD, ROBERT EYSTER
Sat 8 PM – 1:15 AM Apparition Goth Night Historic El Rey Theater, 622 Central Ave SW A hauntingly dark, classic goth night featuring the Apparition team: DJ Ren, DJ Batboy, DJ Moonside. Doors at 8. $10 all night. 21+ Tickets at the door. Expect goth, darkwave, death rock, synthpop, dark post punk, ebm, dark dance, industrial, witch house, horror punk and more
Sat 8:30 PM – 1 AM SABOR Latin Night - SATURDAYS Bama's 1865, 6007 Osuna Rd. NE May 11th - SPECIAL GUEST DJ ITALIA! DJ Gabriel Goza & DJ Pedro will be serving you the saucy Salsa, Bachata, Cumbia, Merengue y Mas! Ample Parking, Safe Environment, Beautiful Venue, Good Food, Good Music, Good Vibes. 21+ / $10 cover
Sat 9 PM – 1 AM Cumbia + Rock en Espanol Juno, 1501 1st St. NW Grupo Super Verza with Ave. 69 and Lot Beat and DJ Tony. Baila! 21+, $15 at the door or online
** Sun 5/19 *\*
Sun 9 – 11 AM Elevated Roller Derby May Training Scrimmage Heights Community Center, 823 Buena Vista Dr. SE Officials' huddle 9:00AM. Captains' meeting at 9:20AM. First whistle 9:30AM. This is simply a black/white scrimmage. It will be used as an educational opportunity. NSO paperwork will be used as appropriate. You are encouraged to stretch your skills. Hospitality: This is a low/no production scrimmage, bring beverages and snacks for your own use. Bathrooms: The community center may not be open during the scrimmage. (That's the trade-off for a free space). You can stop at the nearby Starbucks before the event. Expectations: Skaters and Skating and Non-skating Officials are expected to follow all WFTDA Risk Management Guidelines. The venue is a designated alcohol, drug, and smoke-free space by the city of Albuquerque (sign up)
Sun 10 AM – 2 PM The Great Burque Bake On Rail Yards Market, 777 1st St. SW Get ready to whisk it all at the "Great Burque Bake-on," a special fundraiser for the non-profit Rail Yards Market: One dozen of Albuquerque's most talented bakers will dough head-to-head in a crusty competition for the ultimate bakery glory! Bakers brawl... You vote for the winners! This sugar-dusted showdown promises a blend of flour-fueled drama and buttery bravado, making it the yeast you can do to support your local confectionery champions. As these culinary wizards knead their way to the top, we guarantee you'll find their efforts both batter and sweeter than anything you've tasted before. Join us for a day of laughter, pastry, and a chance to see who rises as the crème de la crème of Burque's baking scene! 1) ORDER > Claim your Bake-on Box & exclusive market swag by ordering online May 10-16th, 2024. 2) LEARN > Follow our social media to learn about each contestant & their offering. 3) PICKUP > Grab your box of baked goodies & swag at the info booth Sunday May 19th. 4) ENJOY > Eat all the delectable goodies, savor the flavor, and read about all the contestants 5) VOTE >> Submit your votes online to choose the winners! (tickets) The Farmers' Market event is going down simultaneously with 175+ local vendors to explore, and is still FREE to enter and welcome to all. This funky fundraiser is going down during the FREE Rail Yards Farmers' Market. So you can peruse 150+ small businesses and enjoy the historic architecture while you enjoy your Great Burque Bake-on Box of goodies! All proceeds will benefit the Rail Yards Market. The Rail Yards market of Albuquerque is a certified 501(c)3 non-profit focused on building a resilient, sustainable, local economy where the surrounding historic communities thrive, all can participate, and everyone is enriched and inspired. Through food, art, education, and music, we invite the community together in an inclusive and festive atmosphere
Sun 11:30 AM The Addams Family Historic Lobo Theater, 3013 Central Ave NE THE HISTORIC LOBO THEATER is excited to bring The Addams Family to the big screen! Showing Starts at 11:30 am Tickets are ONLY $10 for General Admission $25 Brunch and a Movie Ticket $21 Brunch Only ticket
Sun 12:30 PM Annual Spring Tea Asbury UMC, 10000 Candelaria Rd. NE All are welcome to attend our Annual Spring Tea! This year's theme is "The Tapestries of Our Lives." Life can be like a tapestry; our quilt, with events, feelings, accomplishments, and even disappointments "stitched" in. Join us, for tea, while Cindy Kurey, AQS-certified quilted textiles appraiser, shares how quilting and her faith have helped her navigate life. She will also show her collection of antique, vintage, and modern quilts! There is no cost to attend, though RSVPs are required. Please call the church office 505-299-0643 or message us on Facebook to RSVP
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2024.05.16 02:51 DragonStryk72 Incremental Improvement (Part 57)

First Prev Archive Royal Road Patreon
The testing started out extraordinarily simple. Simple math, elementary school basic, but as I knocked out questions on the tablet, it definitely moved up. This held true in all sections, but I didn't catch on until eventually, Brad held up his hand, "Mr. Donny, it says my test is done."
Donny nodded, checking his computer at his desk really quickly, "Alright then, why don't you take yourself on down t'the cafeteria. Here's a card so y'can get yourself somethin' t'eat."
I spared a glance at Darryl, who similarly, glanced over at me, and we nodded. There was no reality where Brad Warner was simply smarter than everyone else here, and that meant the parameters were different than what we generally assumed during testing. The test kept going until you hit the wall, programmed to see how far you could take it. The questions stepped up as you answered, but that wouldn't be enough, cause then you could take forever, so there was a time element. The faster and more correctly you answer then, the higher your level goes. My questions were getting more and more detailed, more advanced maths and sciences. The test itself was designed to end when you hit the limit of your learning, but not in a 'get one question wrong' way, but a summation of overall knowledge.
Aimee was the next to complete her test,and was similarly handed a card for the cafeteria as she walked up dejectedly, and I spared a glance again. Darryl was just sort of loving life, while Mackenzie was clearly getting frustrated. We kept pushing through, until Mackenzie slammed her desk with both hands, startling everyone, "Damn it!"
She stalked to the front, snatched her card out of Donny's hand, and stormed out of the room, muttering something about eternal emnity. Darryl and I eyed each other: We were the last two left, and Darryl mouthed a congratulations to me before getting back into it. We kept going for a while, and finally, a hand went up, "Done."
Darryl's head shot in my direction, and Donny smiled, "Alright then, come get your card."
I got up, and took my card, then walked over to Darryl, "I didn't hold back."
I walked out of the room to head off to the cafeteria. In the end, I'd gone as far as the test would allow in Math and Science, the things I was consistently using. Where I'd met my match was English and Social Studies. I simply hadn't studied it as much due to the project and company needs, and thus neither improved much since I'd read my textbooks. I swung through the cafeteria, very aware that everyone was staring at me from their table as I grabbed food and drinks, and came to sit. Mackenzie gave me a look, "Darryl won?!"
I got her annoyance. She was two years ahead of us, and highly competitive by nature. Her chain of trophies had not been an accident or by anyone else's hand but hers, "Yup. He got me. Pretty sure I got dinged on Social Studies and English."
Aimee cut in, "But, like, your 1%?"
"1% only effects what I work on. I haven't been in an English class since the end of September, and it's not like I've been keeping up since. Same thing with Social Studies, it's mostly a study of history, and I haven't had the time for it. The math and science sure, but I haven't really had a reason to advance in my understanding of literature or broader history, so it didn't improve," I shrugged a bit as I dug into my little sub.
Aimee and Mackenzie were both upset at their placement, but Brad seemed perfectly fine. He'd never expected to do better, and it wasn't like he was invested in it, so it was nothing that he wasn't the smartest person in the room. He'd known he wasn't. Makenzie was basically ready to go redo the test for the sake of vengeance, so she'd be fine, but Aimee was pretty upset. I took a break from food to look at her, "Aimee, I'm sure you did fine. I've got a literal superpower for learning, Darryl's a super-nerd, and Mackenzie is two years ahead of you in school. Plus, we don't know what he's potentially scoring us on."
She was biting her lip a bit, which was distractingly cute, "I know, but..."
"This was an assessment test. As far as I understand it, there's no way to fail, it's just so that he knows where we're at," I spoke softly, taking her hand.
Aimee my hand, but looked close to tears, "But you're so..."
A sound of disgust turned us toward Brad, who finally joined in the conversation, "So what if you're not as smart? Who even gives a damn?! Like, dude, no one's ever gonna be as smart as him again. It'd be like saying you'll never be in the NBA cause you lost a pick-up game where the other team has Lebron, Jordan, and Bryant in their prime."
We all took a moment. Brad didn't really talk that much, so the idea of him being deep was... new. I smirked a little, "Very well-put, Brad."
It was well-put, and gave Aimee some context, not least of which was that she played basketball and the metaphor applied directly for her. She came down a moment and wiped her eyes, and we started chatting about stuff at the H.A.A. and classes until Darryl and Donny showed up. Darryl looked like he'd been through the wars, but he was still smiling, so clearly he was pretty proud of himself as he sat with us.
Donny stepped up with his tray, but didn't take a seat, "Alright y'all, now, I gotta go over the test results and whatnot, so while I'm workin' on that, you guys eat, and then go take some time in the rec area. Sound good?"
We nodded. After being stuck in testing for so long, getting to stretch our legs was a relief. Mackenzie needed to blow off steam, so we went up to one of the second floor halls to spar while the others watched. I took a moment before we got started to get a sidebar with Mackenzie, "I get it. Darryl beat you."
"This time. I'm a junior. I should've been able to beat him," She was distinctly displeased with herself as she put on sparring pads.
"Mackenzie, it's like Brad said, Darryl's a super-nerd, and he was in a test of knowledge. There's a reason he's in the honors classes," putting on my own pads as I continued, "And I get it. Losing to me, you could've taken it cause of the 1%, but Darryl was smarter than all of us combined before, that didn't shift since I got awakened, only my power did."
She glared up from the ground she sat on to get her footpads on, and while she didn't directly respond, I knew her well enough to know she was getting it. It did not do anything for her current temper. She was determined to be the best, not good, not great, the best. Anything less was a flaw in need of correction. Mackenzie kipped up off the floor, and discussion time was over. We bowed, took stance, and when Darryl called the start, she immediately went on the assault. She fired off a punch at my face, immediately dropping low for a sweep that I stepped over, and immediately launched into a waist take down, using the force of rebound from dropping low. With arms already up from the block, and one foot off the mat, she got her take down... sort of. Instead of trying to fight it, I rolled with it, catching her belt, and throwing her as we hit the mat, using the momentum of the fall. She didn't go too far, but it was for me to break out as she threw a ground elbow to drive me off, then spun as she rose, getting more distance from a series of spinning kicks. We were back in neutral stance, but now on opposite sides. I launched into my offensive.
Darryl knew what it was like when we sparred, but not Aimee and Brad. Aimee was a bit shocked at how hard we went at it, and Brad looked like he was going to throw up, that ingrained fear of my sister being given legitimacy before his eyes. Our sparring sessions had changed, though, with it being done more or less in 'turns' now, with Mackenzie taking the lead off on offense, then me reversing to take it back and press her. We finished up after a few turns, and I grabbed a towel from the side, where Aimee was waiting, "So that's what it's like when you go all out?"
Mackenzie laughed, "Hell no. I tried that ride once, just for fun and yeah, no, I got nothing for that."
I could see Aimee considering her words, and there was something there she wanted to talk about, but she wanted to talk about it privately, "Alright, everyone. I don't know about everyone else, but I could use a cool off. I'm hitting the pool."
We got changed out, and hit the pool for a bit, mostly just relaxing. That's where Donny found us, "Alright y'all, got my lunch in and tests're graded."
Brad groaned, "Aw man, we gotta go back to class?"
Donny smiled, "Nah. We gotta do the physical assessment, and since y'all're already here, why don't we start with the pool?"
And that's when Darryl groaned. His time as champion of the assessments had come to an end.
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2024.05.16 02:40 firefighter_raven Last Charge of the Roanoke

The Terran Union Heavy Cruiser, Roanoke, had spent the last 6 months raiding Naalx supply lines in the Flores sector.
They were finally returning to Terran Space for some much-needed refit and some R&R. But first, they were stopping at the Bateri space station orbiting Emsar IV.
She would be meeting a Terran Union squadron to escort her prizes back to the Couster system. 4 freighters, a massive ore hauler, and a damaged Naalx corvette that answered a distress call sooner than expected.
The Roanoke was one of the new Grenville class heavy cruisers, faster and more heavily armed than the other heavy cruiser classes operating as part of a Terran Union fleet.
They were designed as solo raiders able to operate deep in enemy space, raiding enemy supply lines and facilities.
Their design included several newly developed systems, including a new style of radiator for dumping excess heat.
At 500 m long and painted black as night, she was very intimidating to see on visual screens and even more so at close range. Her CrCoNi (chromium, cobalt, and nickel) hull was covered in 12” of ablative armor covered in a black laser-resistant material able to reduce the effectiveness of enemy sensors and target locks.
The experimental Baxter radiators efficiently released excess heat into space but still left them exposed to radiation detection sensors.
Captain Josef Král had been hand-picked to command the Roanoke when she came into service 18 months ago. He was a popular officer with 20 years of combat experience on just about every ship in the Terran Union’s navy.

He’d also provided technical assistance during its design phase so his familiarity with the ship made him the best choice for putting the ship through her paces. This would be the very first voyage behind enemy lines as a raider.
And it’d been a rousing success, hitting targets deep in Naalx space as reprisal for Naalxian raids on Terran border colonies. The First Naalx-Terran war had devastated both species and left them vulnerable to outside forces. The war wasn’t won so much as winding down to a series of raids and counter-raiding. A gentleman’s agreement to prevent raids and border skirmishes from turning into another full-scale war and the earlier consequences.
And Captain Král was very good at approaching that line in the sand without going over it. Several centuries earlier he’d have been a Privateer sailing the oceans on Earth.
This even led to the revival of the old pirate movies of the 20th century but Captain Král preferred likening it to the submarine warfare of the first half of the 20th century. That didn’t stop his crew from giving him a robot parrot.
He claims to hate it but everyone knows he’s been teaching it his extensive vocabulary of curse words, in dozens of languages, that he loved it.
And if you call him out on him walking around with it on his shoulder, he’ll claim he was just humoring the crew.
Captain Král was relieved to see the Terran squadron had arrived before him and ordered his little fleet to dock. It would be good to be able to get off the ship and move around without weapons.
As Captain Král exited the ship, he was surprised to see Commodore Allen waiting for him. It’d been several years since he last saw his friend and previous XO. Taking his prerogative as a Captain, he skipped the formalities, shook hands, and gave Commodore Allen a friendly slap on the back.
“Mike? What the hell are you doing here? This is escort job is for a Lt. to do” He asked
“I was in the neighborhood and volunteered. I wanted to see this new ship of yours and it’s been too long since we got a drink together.” Mike replied
Captain Král took a glance back to his ship and wasn’t surprised to see his current XO, Lt. Commander Nana Ricci had the resupply well in hand.
With a big grin, Captain Král said, “Let me see to my guests and we can see if we can scandalize the ratings like we used to.”
Captain Král approached the waiting station manager. The Bateri bowed in the formal greeting of her people. Not having the tentacles needed to return the bow, he just saluted her.
“Greetings Captain Král of the Terrans, how may we be of service?” The Bateri asked.
“Greetings Ananu of the Bateri. We request the use of your services,” he replied, finishing the ritual greeting.
“I see you returned successful in your raiding,” Ananu said, “How many bunks will you need?”
Unsurprised that the Bateri knew his mission, he replied “ 72 bunks with 3 more for your med bay, if you have the room.”
One of the most important functions provided by the Bateri was allowing for the return of captives taken in raids. This helped to keep things calmer by freely releasing captives to limit the amount of bad blood created during the raids and conflicts.
Crates of supplies, ammo, missiles, and the various other things needed to keep the ship functioning were being transferred from the smaller Terran ships. With her weapon complement being only slightly smaller than a battleship, she could go through a lot of ammunition. Even without being in serious combat, he liked to run frequent gunnery drills. Some Captains would just let their tactical computers handle operating the weapon systems and just have the gunnery crews handle reloads. But some hard lessons taught him that having the gunnery crews able to take direct control, as needed, was essential. He preferred to use up as much ammunition as needed during training to save lives later in combat.
Seeing everything in hand, he walked back to join his friend for a drink. They caught up on the doings of old friends and Mike’s family, toasts to fallen comrades, and eventually to the Roanoke.
‘How did she operate on her first long-range mission?” Mike asked
Taking a moment to organize his thoughts, Captain Král took a sip of his drink. “She handled better than expected. The new engine behaved itself, surprising for being just off the drawing board, the Baxters were damn efficient.”
Taking another sip before continuing, “ We didn’t use the torpedoes or the turreted railguns in combat but the rest performed as expected. That Corvette didn’t stand a chance so we didn’t get a full test of all the combat systems.”
“Going by the number of munitions I brought with me, you’d think I was resupplying a battleship” Mike joked
“Just about,” Captain Král chuckled. “During the design phase, I had to argue for such an increase of armament.” “It seemed to take forever for them to get it through their thick skulls that we’d be out there all alone and couldn’t call for reinforcements.” “So I convinced them to put the 2 particle beam systems in the bow of the ship and give me the 4 torpedo tubes. They had no problem with the pair at the bow but they couldn’t figure out why I wanted a pair aft. I swear I thought about launching them out of a tube.”

“At least they were starting to get it when I up-gunned the turrets to carry two large railguns. They did get upset at wanting to put on a turret in the middle of the ventral side but were relieved I left the other turret on the dorsal side ahead of the command structures”
Commodore Allen asked,” From the glimpse I got as you docked, it looked like you doubled the usual weapon systems?”
“She still has them 10 secondary batteries but I went with dual medium railguns for them” Captain Král replied, “ I put 4 of the quad-mounted autocannons on each side of the ship.”
“ It should let us save wear and tear on the railguns when we catch unarmed ships or against incoming fighters.”
“ I understand and it also saves on missiles, which with 4 heavy and 8 medium is a lot of missiles to carry.” Commodore Allen replied.
“I’ve also heard you were running tests on a more powerful deflector array to do more than just protect against radiation and small debris. Like maybe actual shields that would work on anything smaller than a battleship?”
“Yeah but not with any success,” Captain Král answered, “Anytime we tried to go past the standard low-power output, it played hell with our sensors.”
It was at that moment when Captain Král’s wrist communicator beeped for his attention.
“Just a second Mike,” he said as he keyed the communicator. “ Král, go ahead”
The sound of Lt. Commander Ricci’s voice came through the speaker, “ Priority message from the bridge Captain.”
“ What is the message?” Captain Král asked, not liking the way Ricci’s voice sounded worried
“ Sensor buoy reports large Naalx fleet dropping out of FTL, 2 million km out,” Ricci reported
Commodore Allen gave Captain Král the same concerned look that he was sure was on his face. “How many?” The captain asked
Ricci hesitated for a moment before answering “37 ships with more arriving every couple of minutes.”
Commodore Allen swore
Captain Král looked at his friend, “How long until you get your crews and get out of here?”
Commodore Allen thought for a moment, “ Maybe 20 minutes at the minimum.”
Captain Král muttered to himself, “They’ll be here before that.”
Both men got up, signaled to any of their personnel in the bar, and started out the door. “I’ll buy you the time but I’ll need to undock as soon as I get aboard my ship, maybe I can catch them off-guard. “ Captain Král
Commodore Allen replied, “That’s a suicide mission, there are too many for one ship to handle”
“Yeah, I know, old friend but if I don’t then we all die.” Captain Král explained, “ Do me a favor, I’m going to send you my non-essential personnel, take them and those still on the station with you. Get them home.”
Reaching the hatch to the docking bay, both men stopped to shake hands. “Of course, Josef.” Commodore Allen replied, “But if anyone can find a way out of it, it’s you, my friend.”
After a final salute, both men parted ways to reach their ship. As Captain Král jogged down the docking bay, he sent orders for Ricci to send all non-essential personnel to Commodore Allen and asked if they had sufficient hands to man all combat stations.
Ricci’s reply reassured him, “ Aye Sir, most of the crew on the station are from the 2nd watch, and the few people from the first watch are non-essential.”
“Be ready to launch as soon as I get aboard.” He ordered.
He passed several members of his crew, en route to join Commodore Allen. He stopped to return their salute. At the disappointed look in their eyes, he told them. “I know you don’t want to leave the ship but the Commodore needs some real sailors to get out on time. You know how those logistic guys are. They’ll get lost trying to find their own bridge”
That look reassured them and after a final salute, they headed down the dock to join Commodore Allen
Captain Král reached the cargo ramp and started up it, calling Ricci and telling her to shove off and he’d be on the bridge shortly.
He sprinted down the corridor, leaping over the lower lips of the vacuum-tight doors.
“Captain on the Bridge!” rang out from one of the bridge techs. Aside from the guards and his XO, the rest of the bridge crew kept working. Nodding his approval at their knowing when to discard ceremony for action. He walked over toward his console before speaking.
“What do we have, Lt. Commander?”
Turning to face him, Captain Král could see just how worried she was. “Current count is 48 ships.” Touching the console’s keys to bring up a list of ships before continuing, “ 18 capital ships and a mix of sub-caps, still trying to ID them.”
“They’re just maintaining position for now.” Ricci finished, her voice slightly puzzled.
“They’re waiting for something or someone,” Captain Král answered the unasked question.
“How many crew did we leave behind?”
“641, Sir” the XO replied
“ Helm, are we clear of the station's shielding?”
“Almost Sir,” The helmsman answered.
“Thank you.” Captain Král returned.
Turning to another tech, he said, “Sound Battlestations”

“Sir,” one of his sensor techs spoke up, “We have 2 more ships arriving.”
“ Thank you, Ensign.” Captain Král returned
“What class are they?” Lt Commander Ricci asked
After looking at her monitor again the tech replied, “1 heavy cruiser and something much bigger, waiting for the computer to ID it.”
Captain Král moved to look over the tech’s shoulder before standing up and facing his XO.
“Fleet Command Ship” he informed the tech and his XO.
Lt. Commander Ricci replied, “What the hell is one doing out here?”
“Good Question.” he answered, “And now that the players are on the field, the game can begin.”
Bringing up the sensor information to his console, Captain Král pointed at the enemy fleet. “They haven’t begun to deploy into battle formation yet.”
“That could be our chance.” Raising his head to look at his XO. “If we jump now we can land close and surprise them. After we land, we drive into the center of their formation and head for that big bastard.” He explained
“But Sir, We haven’t fully tested the jump drive!” the XO exclaimed
“No time like the present, “ Captain Král joked

“We’ll let the railguns and autocannon crews pick targets of opportunity, while we engage the command ship with our particle cannons, heavy railguns, and torpedoes,” he stated
“What about its point defense system, won’t it pick off the torps?” the XO asked
“We’re going to launch all the Hammerheads at it. It should overwhelm the system and let the torps through.” He answered before continuing, “I’m going to save the heavy missiles for now.”
“You’ll need to calculate the launch time of the Hammerheads to hit the point defense system as close to the time for the torpedoes to sneak through.” he ordered, “ But not so far they take out the Hammerheads too soon and let them hit the torps but not so close they set them off either.”
Looking at his XO, “You better get down to tactical Nana, this is going to get ugly, and it’s best we split up.” Captain Král commanded
Exchanging salutes, Ricci simply replied “Aye Sir.” and started for the hatch. Just before stepping through, she turned and said, “Good Luck, Sir.
“What’s the status of the Commodore’s squad?” Captain Král asked
One of his communication techs spoke up, “ They need 10 more minutes”
“Let me know the minute they are clear.” Captain Král ordered
Captain Král turned to comms tech and ordered, “Intraship comms if you please ensign”
“Aye sir” the tech replied before turning to his console and speaking into the mic,” Now hear this, Now hear this. Message from the Captain.”
“ Well folks, this isn’t the fight I wanted but this is the fight we got” Captain Král started
“ I’m sure you’ve heard scuttlebutt about the situation but here it is. We are facing a superior force numbering 49 ships. And we need to give the Commodore’s squadron time to go to FTL and get the hell out of here.” he paused before continuing, “ The plan is to mix it up with the enemy at close range. They aren’t in battle formation yet so we can hurt them.”
“Good luck and let’s make them regret fucking with the Roanoke.”
The sounds of cheers came back over the speakers.
“Helm, are we clear of the station shielding?” the Captain asked
At the affirmative given by the helmsmen, he just nodded
Touching a button on his console, he asked, “Are you in place XO?”
“Aye Sir.” the Lt. Commander replied
“ As soon as we land, be ready to open up with the dual and quad mounts.” He ordered
The XO replied with an affirmative.
“Helm, at my command, jump between 25-50 km to the starboard of the fleet.”
“As soon as we land, hard to port and get us in the middle of them. Be ready for rapid maneuvers, maybe we can throw off their laser battery tracking systems. Might let us survive a little longer” Captain Král ordered. “Aye Sir” the helmsman replied
Taking a quick look around to make sure his crew was ready, he turned back to wait for the signal the jump drive was ready.
At the signal, he ordered “Jump”
He felt the ship lurch forward and shudder. It took less than 5 seconds to jump from the station to within the targeted range, but it felt like forever.
And then they were less than 5 km from an enemy battleship.
“Oh shit!” exclaimed the helmsman and steered to avoid it. Captain Král hid a moment of panic with a joke, “ Someone make note that the jump drive targeting system needs work.”
His joke brought a chuckle from his crew and got them back to focus on the taste.
Stabbing a button on his console, he ordered “XO, fire secondary batteries,”
There was nothing to see or hear from the massive volleys of the secondary batteries coming to life. But he knew the gun crews were already raining devastation on enemy warships. “Helm, Hard to Port!” he ordered, not tearing his view away from the main viewscreen.
Captain Král looked at his console at the images sent to the bridge from the various gun cameras.
He could see the flashes of light from projectiles hitting their shields. He watched as other high-velocity projectiles punched through their hulls. He could just make out the impact of the explosive-tipped slugs fired by the autocannons.
Captain Král turned back to the main viewscreen. “Hard to starboard!”
“Head for that big son of a bitch!” he ordered
The Naalx were slow to respond but they began to return fire with some trying to gain some distance to clear the line of fire of other ships. The helmsman’s evasive maneuvers were also giving the enemy’s gunners fits from repeated misses.
But the damage sensors on the armor told of an increasing number of hits as the Naalx began to respond in an organized manner. The resistance coating reduced the damage from the Naalx laser batteries but didn’t completely nullify it. “Helm, get me a clear shot at the command ship.” the Captain ordered
A bright flash to starboard marked the death of an enemy cruiser. Status reports listed 2 sub-capitals holed and venting atmosphere. Dead or damaged, they were out of the fight.
One capital ship was dead in space with another missing its bow.
5 down too damn many to go The captain muttered
He watched and waited, ignoring damage alarms and the occasional shudder as shots began to get through the armor and explosively decompress a compartment when they penetrated the hull.
He finally saw what he wanted, an unobstructed line of fire to the command ship.
His finger smashed down on the console button. “ XO, Launch Torpedoes. Take the gloves off the main batteries. Drop the hammer!”
He watched the glitter of the particle beams as they bridged the gap between the Roanoke and the Naalx ship. In a moment, he caught sight of the torpedoes' thrusters as they left the tubes and picked up momentum. Holes and brief explosions marked the impact of his weapons. But the sheer volume of Naalxian fire was beginning to take its toll. The armor was failing or had failed in over a dozen spots. 3 autocannon and 1 railgun mount were out of commission.
2 minutes after they launched the torpedoes, the sight of more than 100 Hammerhead missiles was marked by the flare of their drives. Another volley of Hammerheads was launched the moment new missiles were lifted into the racks.
Captain Král called down to tactical, “XO, hold off on another volley for hammerheads.”
Checking his console, “Launch Shrikes at targets of opportunity with no shields, rear tubes target enemy capital ships and hope those torpedoes get through.” he ordered.
Multiple small explosions let him know the point defense systems were taking on the Hammerheads. And a moment later, a pair of massive explosions told him the nuclear-tipped torpedoes had hit their target.
“Captain, The Commodore’s squadron has escaped.” one of his techs announced.
“Thank you,” he answered
“Distance to command ship?” he asked
“ 250 km Sir” was the reply
“Helm, continue advancing on the command ship and pass her on our port side. We’ll give her a broadside and go to FTL after we clear.”
A tech from the damage control position spoke up, “Captain! FTL is down and jump drive is destroyed”
“Ahh hell’ cried the Captain.
“Damage report!” he ordered
“ Ventral turret destroyed, railgun mounts 2 and 5 destroyed, mount 9 damaged but functional. Autocannon mounts 11,13, 23 and 25 destroyed. Hammerhead launchers 3 and 8 destroyed.” The tech checked the screen before continuing, “ Explosive decompressions on decks 3 and 5. Explosive decompression in Med Bay. Ablative armor badly damaged and penetrated in around 20 spots. Engine #3 is down. Power unstable in many areas of the ship”
“FTL down, engineering needs an hour to fix. The jump drive is destroyed. Long-range comms are down” The tech finished.
“Casualty reports!” Captain Král ordered
A different tech replied, “249 dead, roughly 800 wounded with 327 too injured to fight.”
“Thank you.” he returned. Doing the math in his head he had just over 1300 combat effective and 482 of those were his Marines, the other 18 were left behind.
After thinking a moment, “Helm, same course as before but since we can’t go to FTL, circle to the aft of the command ship and lessen the incoming fire for the moment”
Looking over to the comms tech, “ Get me the chief engineer on the horn.”
Tapping the switch on the console, he called down to tactical. “ XO, I’m taking us around to the aft of the command ship and play peek-a-boo.”
“We’ll pass on her port side and I want a broadside from all batteries that can hit it and launch half the Shrikes we have left at it.”
“After we get to their rear, target enemy aft batteries, I want them all hunks of twisted metal.” Captain Král ordered
“Aye Sir.” Lt. Commander Ricci replied. “Ammo count update Sir.”
“Go ahead,” he replied
“Only the two forward tubes are loaded, aft tubes empty, railgun and autocannon are down to 30%. Dorsal turret is at 10% but they are working on transferring surviving ammo from the Ventral turret.
We can launch 4 more full racks of Shrikes and 5+ Hammerheads.” She finished
“Understood. Thank you” Captain Král replied
“Captain, Chief Engineer on the line” a tech relayed
“Route it to my console,” he ordered
“ I need you to place charges on the computer core, all the experimental equipment, engines, and fire suppression control. If we go down, I don’t want them getting a damn thing but blood and pain.”
“Aye Sir.” The Chief replied.

Captain Král turned back to watch as the Roanoke passed the command ship to port. He watched as massive explosions rippled across the enemy flank and dorsal surface. They were too close for the point defense to pick off the majority of the Shrikes.
As the Roanoke got behind and slightly below the enemy command ship, she slowed and allowed her surviving batteries to silence the command ship's aft batteries.
Captain Král called down to tactical, “XO, fire half our remaining hammerheads into her engines.”
“Affirmative,” replied the XO
Captain Král watched as the hammerheads impacted the command ship’s engines and saw the thrust nozzles dim as the engines went offline. The enemy batteries stopped firing and she began to drift.
“Helm, get us 500 km from the command ship and line up to fire our last 2 avalanche torpedoes.” Captain Král ordered
“Aye Sir, 500km bow towards the enemy” the helmsman repeated
The Captain called down to tactical ” Nana, We’re positioning the ship to line up the front tubes and we’re going to kill that bastard. Stay on the line and fire on my order.”
“Aye Sir, we’re ready.” The XO answered
“Helm?” Captain Král asked
“ 3 seconds Captain.” the helmsman replied
Captain Král watched and as soon as he got the angle he wanted, “Fire Torpedoes!” he commanded
The whole bridge crew watched and waited for the impact. Both torpedoes struck amidships and tore massive holes in the hull. As they watched, lines of explosions traveled across the hull and began to rip the ship in half. The bridge crew let out a yell and the rest of the ship after the Captain had the information broadcast over the intercom.

“ Helm, get us the hell out of here. Maybe we can outrun the bigger ships and buy time to fix the FTL.” Captain Král ordered
But before the helmsman could act, there was a massive jolt.
“What the hell?” he yelled
A tech answered, “ We were rammed by a Naalx cruiser and several smaller ships are closing in.“
But instead of ramming the Roanoke, they launched breeching pods.
His finger stabbed down to open the intercom. “ All hands, Prepare to Repel Boarders! Security teams, tactical will relay their access position. “ He ordered
He pulled out his sidearm and checked that it was ready. Several other techs did the same, while his security detachment moved to defensive positions to watch the hatch.
“Target those pods!” Captain Král ordered but he didn’t need to say it, his gunnery crews were on it. Here and there a brief flash of light marked the destruction of a pod.

“XO, fire all remaining missiles. Pick your targets,” he commanded “All batteries, open fire.”
He left the tac net open to track the status of the enemy boarding parties.
He listened to the cacophony of noises coming over the tac net.
“Security team alpha to section 7, level 3. Bravo team section 2 level 1, Charlie team section 12, level 5” Lt. Commander Ricci ordered.
“There’s too many, fall back to position 2…” an unidentified voice ordered
Another voice firmly stated, “Hold your ground, nothing gets past us.”
“Theta team down, a handful of Naalx heading for engineering!” a panicked voice exclaimed
And dozens of others just like it, always with the sound of combat in the background.
“Captain, more breaching pods en route!” a tech exclaimed
“Get me the Chief Engineer!” the Captain ordered
At the Chief Engineer’s response, he ordered “Detonate all sabotage charges except the main computer. Set that one on a manual trigger at my console with a 20-minute timer as a backup. And then set the reactors to overload, we’re not going to hold the ship much longer. And set a charge to breach the hull and decompress Engineering as soon as you are clear”
“Affirmative, Captain. She was a good ship” the Chief replied
Turning to his bridge crew, “Give the order to abandon ship. Have all the pods head for the station.”
The Captain called tactical, “Lt. Commander Ricci, all hands abandon ship. Get as many of them home as you can.”
“ I understand, Sir.” She answered, “I’ll see you at the station.” she said hopefully
“I'm afraid not, Nana. I’m the Captain and I’m going down with my ship.” he stated, “And someone needs to make sure they can’t shut down the overload.”
“Transfer all fire controls to my station and get the hell out of here.”
“Aye Sir, It’s been an honor” the XO replied
“The honor is all mine. You are going to make an excellent Captain. Goodbye my friend” Captain Král finished.
His bridge crew tried to convince him to go with them but he declined and ordered security to get them into the escape pods.
Then he sat and watched as his consoles began reporting each pod as it launched. He also kept an eye on his sensors and concentrated fire on any Naalx ship that was moving to intercept the pods. They knew better than to fire on them but nothing said they couldn’t capture them.
He also prepared a probe with all the ship logs and combat data and fired it toward human-held territory. It would run silently until it exited the system and then begin broadcasting a coded signal for pickup.
He was dismayed at how few pods had left the ship and regretted so many young lives had been cut short.
As he saw the last pod clear the battlefield, he sat back for a moment and then triggered the charge on the main computer.
A hard pounding came from the other side of the hatchway. But there wasn’t enough power to open it. He guessed the pinging on the door was them firing their lasers and trying to blast it open.
He wondered if it would work but a huge rumble, a bright flash, interrupted, and the long career of Captain Král was finally over.
News of the Roanoke’s final battle flashed across news channels on hundreds of worlds. Her courageous and foolhardy charge at a superior force. The damage she did to the Naalx fleet before her destruction. How, of the 1859 members of the crew that went into the battle, only 108 survived.
The videos taken from both sides during the battle played over and over again.
How the Naalx picked up all the escape pods and released them on the station immediately.
And even recovered the bodies of any human they found while gathering their dead.
Naalx losses were the command ship, 2 capital ships, 9 sub-capitals destroyed, and a dozen other vessels damaged in one form or another. Naalx casualties were over 50,000 dead
Only the Naalx’s immense respect for courage, audacity, and bravery in the face of danger kept the skirmish from blowing up into a war.
The Naalx rendered full military honors as they turned the Human dead over to Lt. Commander Ricci.
The Captain Král, A Grenville-class cruiser, was launched 2 years later. Captain Nana Ricci in command.
Authors note- I hope you enjoyed this story. It's based on a historical event. Which according to an idiot on youtube is plagiarism.
If you feel like leaving a tip https://ko-fi.com/tomcarey
submitted by firefighter_raven to HFY [link] [comments]


2024.05.16 02:02 Traditional-River699 Sharing My Story - 1 Week After DD

Hi Everyone. I have been encouraged to share my story here, as SA situations are different to those of general affairs. Both incredibly hurtful and traumatic.
I have been with my (30F) SA parter (30M) for 8 years. We have been living together for 7.5 years now. Own a home. Have a dog.
Throuhout our relationship we have one recurring issue: I'm not sexual enough for him. When we first started seeing one another we were incredibly active. I was aroused, in love, and keen for fun. We didn't do anything crazy overly crazy, but it was passionate and frequent.
Fast forward as we move through out relationship. Theres additional work, life and financial stressors. I'm not 23 living at home anymore, and my sex drive has decreased. On top of this, when we have sex I at times have felt degraded and demoralised. I never feel like what I do is enough for him, and he is bothered by my lack of ability to relax and orgasm. It doesn't help a low sex drive improve.
But again and again we've had this issue where he is grumpy, shitty, in a bad mood. And it comes out that it's because we're not having enough sex. But when we do, it's not experimental enough. I'm not fulfilling his fantasies, and he wants me to work up to doing more things (public sex, multiple partners etc). As we go along I become more and more repressed. I'm borderline on the asexual spectrum now, and no idea how I got here. Maybe I always was? But I dont think so.
One important note is that throughout all of these arguments I've defaulted to "maybe we're just not right for each other". I maintained that he deserves someone with the same sex drive, as do I. I get hit back with outrage that I want to "give up". Im encouraged we can work through this, and off we go staying together.
Mid last year we purchased our first home. I felt our sex life was in a much better place. I was happy in all aspects of my life. We're renovating the home, with all the excitement of what our future looks like there.
And here we are. 7 Days Ago I thought I'd tidy up one of our rooms and in a box of stuff I found a burner sim card. Immediately I knew something was up. I looked on his desk and his old phone (after receiving a new work one) was sitting there. I turned it on. A message pops up, asking for "send pics" etc. I couldn't actually see any suspicious messages. I could see he had an unread message, but it wasn't in the app. Nothing at all there except for old work messages. Until I realised there is an "Archive" section.
Well low and behold a series of evidence that my partner has been contacting people off the internet, off the apps, arranging meetings, having sex, asking women if they squirt, exchanging photos, including selfies. I've found one really long chain where he talked with this girl for ages. Checking in, discussing life, her dog, her relationship. He told her I was asexual and agreed he could have fun on the side. That never happened.
I was pretty broken. I've been pretty broken since then. Lost on what to do. Unable to eat. Unable to sleep. Completely destroyed. Yet he lies next to me, sleeping soundly. How is this fair?
In his previous relationship he did the same things. He had told me about meeting regularly with one prostitute while he was with his ex GF. He told me about his group sex adventures. Sex with pregnant women etc. Meeting with older men for blowjobs and anal sex. All of this was during his relationship in his early 20s - his girlfriend at the time was who he lost his virginity with.
What an idiot I was to feel that was all in the past, that it was a younger boy exploring his sexuality.
He has been open with me that he loves chatting online, pretending to be someone he is not for the thrill of it. No mention of any meetups, although he had expressed maybe it could be a solution when i was comfortable. I wasn't comfortable yet and made that clear, although a part of me wondered if it would just be easier to give it a try (one day). I always felt it would destroy me, and wanted to try sex therapy and work on ourselves first.
I could put all the messages down to silly little text exchanges for the thrill. But unfortunately, there have been addresses exchanged, dashcam footage and call logs that all point to the fact he has been meeting with people for years.
I have no idea if reconciliation is possible. Yesterday I thought it was. Today I don't think it will be.
After a reassuring phone call with him during a breakdown I was having on Tues night (he was away for work), he reassured me he loved me, had been scared of losing me while I was so distant, and we could work through anything. Last night (Wed) he was texting escorts for his one night in Sydney for work next week. Clearly it was all empty words.
From here: I meet with a therapist today. I think I'm pretty close to having a confrontation with him. I need to set my boundaries, and am hoping to discuss that today.
I don't know if I can do this. But this is my story.
TL;DR: My boyfriend of 8 years has a sex addiction and has been meeting with people off the internet and lying about it for at least 4 years, but probably for our entire relationship.
submitted by Traditional-River699 to lovewithaSexAddict [link] [comments]


2024.05.16 01:14 St_Veloth All Active or former Devils who use Comcast/Xfinity for internet - you have $180 gift card you can redeem with no strings attached

Let me preface by saying this isn't an ad, I fucking hate Comcast.
Today that thing happened where my bill jump 30 bucks for some reason only to find out it was a sign up deal that expired (I asked a million times if that would happen when I first signed up, they lied)
ANYWAY - after exploring my downgrade options as a stop gap until I switch to Verizon Fios, I noticed their rewards program which I never saw, and even more I saw this $180 gift card for all military members and veterans.
https://www.xfinity.com/support/articles/military-service-offers
I looked around and saw a post in the airforce subreddit telling people about it so I figured I'd share here, and it looks like a quick easy redeem if you already confirmed your military status. I didn't, but confirming my status was as easy as putting in my birth year and discharge date and I was instantly approved - the biggest catch is waiting 3.5 MONTHS for a VIRTUAL card....but still, don't leave 180 bucks on the table!
TL;DR: FREE MONEY FOR ALL MILITARY AND VETERAN COMCAST USERS - IMMEDIATELY IF YOU'RE ALREADY CONFIRMED WITH THEM, 3.5 MONTHS OF WAITING IF YOU CONFIRM TODAY, ALSO FUCK COMCAST
https://military.xfinity.com/?cjdata=MXxOfDB8WXww&cjevent=a7283562130f11ef81ea00fc0a82b838&cmp=aff__4485850
https://www.xfinity.com/support/articles/military-service-offers
submitted by St_Veloth to USMC [link] [comments]


2024.05.16 01:10 ILoveDogs2142 Why you should never give out your BSB and Account Number

The other day I signed up to insurance. All it took was a phone call, an email with my name, address, phone number, etc. and my BSB and Account Number. In the past I have donated to charities with just BSB and account number. I have also seen stories of people using a BSB & Account Number to cause a direct debit - someone lost $30K from their account when a form was submitted for a direct debit.
Got me wondering about how dangerous this can be. What can be done about it? IMO, banks should start requiring end-user verification for all proposed direct debits which are set up with the BSB and Acc No (I am not talking about card details). A user would have to sign in their internet banking or attend a branch with 100 pts of ID, approve the direct debit,
It is stupid that anyone with those details can sign you up to direct debits with no verification whatsoever.
I see these details being handed out quite freely on online marketplaces.. once you give it out you have no idea how that information may be used or shared.
submitted by ILoveDogs2142 to AusFinance [link] [comments]


2024.05.16 00:30 OmgSosh Looking for some pointers regarding debt relief and the possibility of bankruptcy

Hello all, so firstly I want to State that I was not taught anything about finances or savings or anything in this field other than what I have heard about the snowball effect and all of that, as my parents raised me in poverty. Also, unfortunately about 90% of my debts are due to my decline in health over the past twelve years or so. I started off around age 18 trying to save money, only used grants for college, and then slowly but surely, my preexisting health issues since birth worsened, alone with other complications.
Fast forward to now, I am thirty, married, and just got my Master's degree (finished it online), but at a huge cost. The medical debts alone are most likely well over 30k at this point. The credit cards racked up to a little over 10k when I lost my job due to more health decline. I now have student loans debt that is simple unreasonable like probably close to 300k (they have not yet gone into repayment). Last year I went through chemotherapy, had a tumor removed, and the previous years I've had to have multiple different surgeries. I live in a constant state of pain, can only manage to work from home on my laptop (currently just started working as a mental health therapist part time for an online private practice), and before when I was not working at all was denied disability three times in a row.
Anyone also correct me if I am wrong, but I'm pretty sure that even if I were to continue to work part time and be approved for disability by some miracle (I've also consulted disability attorneys btw), that I would not be able to even touch most of the debts in my lifetime. I'd also like to note something that I don't like to disclose often, but during the time I was going for my Master's, I had to use the rest of the loan money to pay for my surgeries and treatments, otherwise I would have been 💩 out of luck, and at times those loans were literally life-saving.
Lastly, my husband is a veteran and works as a security guard currently. He is physically able to work outside of the home but is still limited in what he can do. I'm wondering if God-forbid this is all I can do for me financially, if I were to file bankruptcy how much would that affect him since we are married, and also if that should be the option I should consider taking given all of the information I have shared above.
Anyways, thank you to all in advance for anyone reading all of this. It was hard as well as pretty mortifying and embarrassing sharing all of this, but I have been at a loss as to what to do next. I don't want to constantly have this gigantic burden on my back for the rest of my life in addition to all of my medical issues and treatments.
submitted by OmgSosh to personalfinance [link] [comments]


2024.05.16 00:28 xtremexavier15 TMA 7

The scene faded back in to a shot of the team and host in the prison courtyard, the two groups of teens each standing by a dirty laundry cart. "Elimination challenge!" Chris exclaimed happily. "Here we go! No 'Get Out of Jail Free' cards here, people! This, is 'Escape from Total Drama Pen.'!" The camera quick-panned away from Chris' close-up to one of the carts.
"Each team must hop in their laundry carts, while one member pushes through the obstacle course to freedom!" As he spoke, the scene flashed to a shot of wooden dummies dressed like prison guards with automatic swinging arms, and then again to a pair of narrow platforms over a water pool with large sandbags swinging back and forth between them, and once more to the prisoner dummies with various sharp objects attached to their hands.
"When you reach the wall," Chris continued as the camera moved back to the group shot, "get diggin'! First team to reach the boxcar to freedom wins immunity!" The shot quick-panned over to a pair of boxcars sitting on a small section of rail tracks. "Convicts, select a pusher!"
"I'll do it!" Chase and Sky volunteered simultaneously, and the two quickly turned their heads to each other.
"I'll be the one to push for us!" Jasmine declared to the Grips. "Does anybody have a problem with that?" she asked her team, who were already starting to climb into the cart.
"I don't," Millie said as she got on.
"You are our best option," Anne Maria added as she hopped onto the cart.
Jasmine smiled. "Excellent!"
Confessional: Jasmine
“When you have long legs, speed can come off as an attribute,” Jasmine confessed.
Confessional Ends
"Not to be a jerk or anything," Chase said as the focus moved back to the Gaffers, "but I want to be the one who pushes, not you."
"Only one of us can do it, and it should be me," Sky offered.
"I know we won the shovel, but the Grips have Jasmine pushing for them," Chase argued, “and if we want to beat them, we'll need a lot of speed coming from me.”
"You're not the only one who's been on a track team," Sky protested. “I practice track at my school in order to prep myself for the Olympics.”
"I have longer legs than you," Chase pointed out, "and that'll at least make us on par with the other team."
“This bickering is not helping us,” Sky groaned and turned to her team. "So team, who do you want to drive the cart? Me or Chase?"
"I say Chase," Ripper said first. “Sky's not Sonic fast.”
"Well I think Sky should push us," Scott declared. “Chase being on the track team is more of a hobby to him.”
"To break the tie, I'll go with Sky," MK said. "She is the team's leader."
Chase sighed. "Alright!" He walked towards the cart. "But if we don't win, it's not coming back to me."
Confessional: Sky
“Me and MK don't know each other well, and she is generally not cordial, but I do have to thank her for having my back in the situation,” Sky explained.
Confessional: MK
“The way I see it, if Sky loses the cart challenge for us, me and Scott can use that as a reason to pick her off,” MK told the audience. “With her and Trent's love plot coming to a halt, there's no need to keep her in the game any longer.”
Confessionals End
"This is it, teams," Chris announced as the two groups were shown in their starting positions – most of the teams in their carts, with Jasmine and Sky ready to push. "On your marks...," the host said as a few deep notes began the fast-paced music that would play during the challenge, "get set...escape!"
The two started pushing immediately, and Jasmine managed to get an early lead for the Grips. However, Sky was gaining momentum, and the two kicked up a cloud of dust behind them as they entered the first obstacle – the sharp-handed prisoner dummies. The camera watched from above as they weaved around and through the field in different directions, and at one point it looked like their paths were going to intersect. The two girls briefly locked eyes and steeled themselves as their carts bounced off each other, rattling their teammates inside.
The viewpoint shifted to show the start of the next obstacle – the narrow platforms over water, with large bags already swinging back and forth threateningly. Sky pushed her team up onto the platform, and the focus moved ahead to Jasmine doing the same as well. The people in the carts ducked down to get away from the swinging bags. However, Anne Maria's big hair stuck up enough for one of the bags to brush past it, which slowed it down enough that Jasmine ran face-first into it while she had been distracted looking back at the other team. It knocked her down and caused her to let go of the cart, which managed to keep rolling along without her.
"We can use this to our advantage!" Ripper barked. "Keep it steady and we can catch up!"
"I got it!" Sky picked up her pace. She managed to get them past Jasmine and another two bags and they caught up to the Grips' cart, which had stopped at the end of the second obstacle. The viewpoint shifted to show them watching in shock as the Gaffers approached unsteadily, with Jasmine running just inches behind them.
Just as Sky was getting the groove of pushing the cart, a bag hit her in the head, which caused her to lose her balance and the front left wheel of the Gaffers' cart to leave the platform as it rapidly approached the end of the second obstacle, and the camera zoomed in as it dipped down and hit the corner where the narrow platform ended, causing the cart to spill forward.
"Hurry up!" Anne Maria commanded as Jasmine retook control over the Grips’ cart and sped forward, past the pile of Gaffers and into the final obstacle.
The camera followed them as they weaved through the guard-dummies, becoming more and more excited as they neared the wall. "Alright," Jasmine said. "We're getting closer to victory!"
A second passed in silence as they kept going at the same speed. "Uhh, Jasmine?" Justin said nervously as he eyed the approaching wall.
"We can stop now!" Millie notified.
Their words caused her to skid to a stop just in front of the wall. "Thanks for the warning," Jasmine said as her teammates breathed a sigh of relief.
"We may not have a shovel," Brick told his team with a spoon in hand, "but we must make do with what we have."
“Go go!" Jasmine eagerly ordered everyone out the cart. “Hop to it like kangaroos!” They all ran over to the large 'X' and started digging.
"Well this is just great!" Ripper complained as he, MK, Chase, and Scott picked themselves up off the ground, and Sky turned their cart back upright. "We're behind the Grips!"
“This is why I should've been the driver,” Chase spoke out. “I would have been able to avoid those bags.”
"None of this is our fault," Sky said. "We can still catch up to the Grips if we don't start arguing with each other."
The footage flashed ahead, showing the Gaffers sitting in the laundry cart with Sky pushing them through the final obstacle. Moments later they arrived at the wall, a hole and sizable dirt pile already by their opponent's cart. The four Gaffers hopped out, and Sky took the shovel out of her pocket.
"Jump right to it, team," Sky ordered. "We have a lot to dig!"
The camera flashed to Chris and Chef at the finish line, Chris sitting on the entrance of a boxcar while Chef leaned against it. "So..." Chris asked. "You ever seen that prison flick? The one with the guy in it? You know? The guy with that face?" Chef rolled his eyes and shook his head.
"So are you doing anything after work?" the host asked awkwardly. "We could always rent a-" He noticed the look on the cook's face and amended, "or not. I was... busy... anyway. Very busy. I'm just… throwing it out there."
The scene changed to a side view of the Grips in their tunnel, Jasmine hastily digging in front with her spoon.
"We're making good progress so far," Jasmine said. "Even if we're stuck with spoons."
"I can hear them ahead of us now," Millie said. "Wouldn't it be faster if we helped dig too?"
"Ten hands are better than two," Jasmine agreed.
Confessional: Jasmine
“After losing two challenges in a row, the Grips really need to bounce back this time,” Jasmine stated. “I've watched enough prison movie like “Holes” and “The Shawshank Redemption” to understand which spots are easier to dig out first.”
Confessional Ends
Another flash took the scene back to the Gaffers, Ripper being the one using the shovel to dig in the front.
"I'm not lying when I say that we're going to win," Ripper said as he kept digging.
"The Grips may have gotten here before us, but they have spoons and we have a shovel," Chase added.
“And it's all thanks to me!” MK cheered before catching sight of Scott's glare. “And Scott as well.”
Confessional: MK
“Right. Forgot the basic concept of teamwork,” MK sheepishly confessed. “Usually I always fly solo in everything I do, except group projects, and most of the time, I have to do everything because my supposed group members are uncooperative.”
Confessional Ends
The Gaffers heard a sudden rumble, causing them to stop in their tracks. A hand burst out of the dirt, creating a hole that increases thanks to a familiar head sticking their head out.
“Izzy?!” the team cries out at the sight of her. The psycho hose beast had fake buck teeth in her mouth and a camo hat with sticks sticking out on top, and she chittered in response.
“Yep. That's her,” Chase confirmed.
“Yeah, I've been living underground amongst the prairie dogs,” Izzy explained as one of the prairie dogs popped up and angrily chittered at the team.
“Aw, Butchie, it's okay,” Izzy assured the creature. “These are my friends.”
“Are you here to help us or…” Scott started to ask.
“Of course! Follow me, I know a shortcut to the finish line!” Izzy said.
“A shortcut?” Sky felt uneasy.
“Of course,” Ripper scoffed. “Why spend hours digging when you can finish faster?”
Confessional: Sky
"I'm not the type to cheat whenever I'm in a competition, and taking shortcuts is the easy way out," Sky explained in the confessional trailer, "but I don't really have a choice here."
Confessional Ends
“And of course, I became the second in command prairie dog,” Izzy told her team a story as they moved through the shortcut, “which meant I shared all the prairie dog council meetings and oh, oh! Here we are!”
“Finally! I need to get out of this hole!” Chase said and crawled faster.
The viewpoint moved to the surface as rock got pushed out of the way and Chase emerged from beneath. "You've got to be kidding," he muttered in annoyance.
The camera moved again, showing that the Grips’ tunnel had come up in front of the boxcars. All members of the Killer Grips were celebrating in front, while Chris and Chef watched.
"We lost?" Izzy said as she emerged from her hole.
"Yes, we did," Chase told her as he and the other Gaffers got out of the hole. "And aren't you out of the game? We did vote you off."
“Uh-uh. You voted off Kaleidoscope,” Izzy rebutted.
A flash took the scene back to the third episode's elimination with Izzy, Ripper, and Chase in the bottom three. “Izzy! Time to go!” Chris announced.
“I'm not going anywhere,” Izzy objected. “That's not my name.”
“Can I get a pen over here?” Chris raised his hand in annoyance. A pen was given to him, and he started to write on the paper. “It says "E-Scope" now, okay?!”
Izzy stubbornly stayed in her seat, and Chris looked over to his side. “Yo guys. Want to make sure we keep this ballot in the files as an official record of Kaleidoscope's departure?” he asked as he continued to scribble. “I'll notarize it. Foresight. That's why they pay me the big bucks.”
The flashback ended and the focus returned to the Gaffers. “So technically, Izzy's still in the game!” Sky realized.
Confessional: MK
“I didn't expect this to happen, but I'll allow it if it means I get an extra vote for tonight's elimination ceremony,” MK said.
Confessional Ends
A flash took the scene to the craft services tent, the camera lingering on an outside shot before cutting to Chef at the counter while the Grips ate at their table in the foreground.
“It's such a relief to have finally won a challenge after losing the past two ones,” Brick started to say.
“Well, this is an effect of Trent not being around to lose for us,” Justin said. “We made the right decision voting him off last time.”
“Even with the other team getting Izzy back, they're still going to lose a member,” Anne Maria remarked. “It's sorta a win-win for us.”
The footage skipped ahead, showing Ripper and Scott sitting around in their trailer before MK joined them.
"Okay, look," MK said as she addressed the two boys, "we have to vote Sky off tonight. She's helpful, sure, but she'd be hard to beat if the teams merge."
"I second that," Scott nodded. "She also slowed us down in the cart portion of the challenge."
"I told you guys that Chase should've pushed for us, but you didn't listen," Ripper huffed.
“I convinced Izzy to help us with the vote, and Chase won't be necessary since he and Sky have some sort of friendship with each other,” MK said.
"As long as we have the majority, we're all set to go," Scott said with a wink.
The theme of the Gilded Chris ceremony began to play, accompanied by the standard introduction sequence. It faded into a long-distance shot of the award stage, the camera zooming in as the theme came to an end. The six Gaffers cast their votes, the camera panning down from Chase and MK in the top row, to Izzy and Scott in the middle, and Ripper and Sky at the bottom.
"Time's up!" Chris announced excitedly. "I'll tally the votes!" He held up a device similar to the voting pads, and began to read off names. "Chase, Scott, Izzy, and MK." Each name was accompanied by the sound of an award getting thrown and caught and the four were shown holding their latest prizes. "Another award, and another day to compete."
The host held up the final award. "Tonight's final Gilded Chris and another chance at the million goes to…" he said as Ripper and Sky were shown watching nervously, "...Ripper!"
The aforementioned contestant caught his prize as Sky felt disappointed with the results.
Confessional: Sky
“I didn't want to vote for Chase and Izzy and MK and Scott helped out with the challenge, even if they're unsportsmanlike,” Sky explained. “I talked to Chase and Izzy about voting for Ripper since he didn't do much today, but I guess Izzy chose to vote off someone else.”
Confessional: Ripper
“Voting for Sky didn't hurt one bit,” Ripper confessed. “Like MK said, she's really athletic and could easily win the season if we chose to eliminate somebody else tonight.”
Confessional: Izzy
“Even though I was told to vote off specific people, I decided to go with voting MK,” Izzy admitted. “I still remember how she acted during last season's dodgeball challenge.”
Confessionals End
The footage flashed forward, showing Sky on the red carpet getting handcuffed by Chef.
"Dead girl walking!" Chef called out before escorting the eliminated contestant.
"Hold on!" the voice of MK cried out as she ran up to the two. “Leave her and take me!”
“Sure. Whatever,” Chef took the handcuffs off Sky and offered them to MK.
“I was kidding!” MK pushed the cuffs away from her. “Like I'd willingly quit the game. I'm just here to see the loser off.” She looked at the slightly taller girl teasingly. “I'm sure you'll be happily reunited with Trent the Challenge Thrower.”
"As long as I'm not on a team with someone as underhanded as you," Sky retorted as she grabbed the handcuffs and walked past the now miffed girl, "I'll be happy anywhere."
The Gilded Chris theme began to play as Chris turned to the camera. "Folks are getting feisty!" he said. "The Gaffers just lost their best player and team leader this early in the game, and with her out of the way, how low will this team sink just to win? Tune in next week to find out on Total! Drama! Action!"
(Roll the Credits)
(Bonus Clip)
Sky was sitting in the back of the Lame-o-sine as she looked at the window. "You know what’s ironic?" she started. "Trent outlasted me last season by one episode, and now the same thing occurred, only with the roles reversed." She turned her head to look at the camera. "I wish I could've stayed on the show longer and prove that I'm more than Trent's athletic girlfriend, but I'm pretty sure the fans know that I have a distinct personality."
"If there's one thing I can say about my performance, it's that I didn't do anything questionable or controversial that could be used against me in the future or vilify me." She paused for a moment and blinked. "What do you mean Aftermath?"
Eva - 14th
Geoff - 14th
Izzy - RETURNED
Trent - 12th
Sky - 11th
Killer Grips: Anne Maria, Brick, Jasmine, Justin, Millie
Screaming Gaffers: Chase, Izzy, MK, Ripper, Scott
submitted by xtremexavier15 to u/xtremexavier15 [link] [comments]


2024.05.16 00:19 SupersailorJ Afraid of how easy of a time I’m having

My partner and I just closed on an apartment! Hooray! Except the fact that he did almost all of the work— found the apartment, paid the deposit, ordered the moving van— I had to do nothing and I almost cost us the apartment because of my ADHD tax 😭 I couldn’t find my SS card (my mom had it), had an expired ID, and lost my debit card so I turned in my leasing application late AND almost couldn’t pay for it. This whole process has been terrifyingly quick; my partner saw the apartment and 4 days later he’s gently reminding me to finish the application that he’d finished the same day he got it. Meanwhile I’m running around like a discombobulated chicken praying the leasing office would accept my application with an expired ID while I waited for my new one.
I’m so afraid that because I haven’t messed up now, I’ll mess up sometime soon. The whole process has been too easy and I STILL almost ruined it 🙃🙃🙃
submitted by SupersailorJ to adhdwomen [link] [comments]


2024.05.15 23:53 Apprehensive-Mail435 How can I get a Humanitarian visa as a Iranian

Hello l'm a queer teenage Irannian which harassed by the Islamic Republic in lran , during 2022 lranian uprising #womenlifefreedom movement Iran I expelled from school and I banned to go to school for 3 weeks and after that I basically get banned from going to university and my senior year which is this year (* 2024_2025) will be my last year of studying in lran; I can't even get a job without my diploma which islamic regime banned me from getting it. And there is thing for boys in Iran which military service is mandatory for boys after 18 I can't get a passport,I can't get a ID card and so joining to a foreign college in another country is kind of out of mind for me. The thing is l'm being harassed by islamic regime authorities everyday in Iran(* streets , online death threats)because I'm gay
submitted by Apprehensive-Mail435 to USCIS [link] [comments]


2024.05.15 23:34 clinical_Cynicism You did WHAT to my Sister?!

After the great scattering and the unification of Terra and the Sol system. The Emperor ventured out to conquer the galaxy and search for his Primarchs. During this great crusade many Primarchs were found, and despite some setbacks, reunited with their legions. His Primarchs were tasked with the further unification and subjugation of the fragmented remnants of humanity throughout the stars. In this they were told to keep a lookout for their fellow creations. Some Primarchs like Vulkania, Hathor and Sanguinia were devoting great efforts to find and rescue their lost Sisters while the more coldly pragmatic ones like Ferra, Perturaba and Ellanor treated this task as more of a chore with the expectation of unearthing a new weapon for the war effort. So in Year 888 of M 30 of the imperial standard calendar the blood angels legion and their primarch Sanguinia were carrying out the expansion efforts in the borderzone of the growing ultramar exclave. As it happened they came across a civilized human world, that its residence called Nuceria. Sanguinia, ever the charming diplomat, had first contact messages sent out on all possible vox channels and frequencies and even utilizing communication methods from the dark age of technologie in hopes of reaching the planetary authorities. After managing to establish a reliable method of communication she scheduled plans to send an envoy for a planetary landing and subsequent negotiations about the integration into the imperium. As they were loading up the landing crafts with gifts and weapons and diplomats and space marines, Sanguinia was walking across the main hangar bay of the Red Tear. Looking left and right over all the busy people, her wings swaying in the breeze of the air conditioning. At the end of the hangar hall she saw admiral Ares DuCade hurrying towards her with his entourage. She took a moment to stand still and look at him coming, her moment of peace would soon be over.
“There you are my lord, I have been looking for you all morning! You weren’t on the flight deck, you weren’t on the command deck nor on the Bridge nor in your personal quarters and not even on the observation deck could I find you. Landing group alpha primus were worried to terra and back, that their main asset wouldn’t show up in time for take off. First officer Morel almost cried at the thought of having lost a Primarch! Just what in the Imperiums name has possessed you to roam the lower bowes of the ship!” Sanguinia smiled and laughed: “Oh I just wanted to ensure that the ensins and marines of objective group two and three were well rested. I know they don’t mind doing the less glamorous security work but I don’t want them to feel left out just because they couldn’t take part in the parade today.” DuCarde sighed: “Please at least tell your personal security detail before going on such an unscheduled escapade”. He looked at his Primarch, then blushed and looked away. “But thank you for caring about the men”, he couldn’t stay mad at her, not with that smile. “Well then, let us proceed, before we cause a delay, If we go now we should just about make it in time”, Sanguinia winked at him and led the way.
As predicted the transport shuttles departed just in time and the descent to Nuceria was smooth and without issue. Group primus would head down towards the capitol and land just outside in a spectacular flight show before parading into the city where they would engage in the negotiations. Sanguinia knew the importance of making powerful and benevolent first impressions. Group secundus and tertius would make a less impressive descent and position themselves near the military, logistics and communications centers, just in case the talks went sour or the planetary authority would try to pull a fast one on the Legion. But so far everything went to plan, they were almost at the main square, their diplomats had engaged the planetary politicians and even though her personal honor guard was tense, looking for danger around every corner, Sanguinia made a calm and relaxed impression. She had to make a conscious effort for this impression but she knew as soon as this was done she could return to her beloved little dove and spend with them the time that was otherwise allocated for the conquest of this planet. The Desh’ean nobility welcomed Sanguinia and one man stepped forward and introduced himself as lord Thal’kr, leader of the ruling clan. His pompous attitude suggested he saw himself as an equal to Sanguinia, from one lord to another, this was a nuisance that she would just have to deal with. Usually putting pretentious mortals in their place wasn’t an issue for any primarch and she could do it tactfully too, but something about this seemed to give the red angel a headache. Regardless they followed the planetary customs to the necessary degree and were soon invited to a spectacle in the colosseum. Sanguinia, her honor guard, her remembrancer and various other guests were placed in the royal lounge with servants, wine and a grandiose view over the arena. While she was half heartedly listening to the japping of lord Thal’kr her gaze glanced over the rest of the stadium. It was packed. Bread and games seemed to keep the populous obedient. Her headache was still not going away. It was a weird feeling, not even her prescience would allow her to divine what it was. She tried to direct her focus back to what the noble was saying. “...So anyway we have this great gladiator, basically a giant, and the best part is, She’s basically indestructible. Any wound and any torment we inflict on her she recovers from. The populus loves her, especially when we have her fight great beasts like mammoths and nucerian mountain lions. But personally I think her best performance was when we had her fight alongside her adoptive father in an impossible fight, and then when they survived, we told them to kill each other! HAHAHAHA.” The laughter of the fat, opulent tyrant made Sanguinia want to cringe and turn away, but something told her to pay attention. Sanguinia became envious of her bodyguards, for they had helmets behind which they could hide their disgust. This man's ruling ethics could not have been further apart from her own. She tries to distract herself by looking at the faces of the other attendance. To her dismay the only other local that seemed to find anything wrong with this story was a young mortal standing by the balcony and holding a bouquet of flowers. Lord Thal’kr seemed to notice. "Oh? Do you fancy the little one? They are one of my Children. I’ll introduce you.” He turned and called out: “Hei Yarrow come here and give the nice lady the courtesy will you?” The young mortal hurried over, almost tripping over their light robes. They stood in front of the red angel and bowed deeply; clearly they had been raised to be polite and respectful in anticipation for a marriage alliance. “H-hello your highness my name is Yarrow, I’m blessed to meet you,” they blushed but stayed composed even in the presence of someone as intimidating as a primarch. “Come on little one be nice and subservient and maybe the lady will take you away and show you the stars beyond our world,” the tyrant laughed, “what were you doing over there by the balcony anyway? You weren’t thinking any bad thoughts about the gladiators again were you?” “Ah n-no father. Of course not.” “That’s still ‘my lord’ to you.” He shooed young Yarrow away. “Anyway, where was I? Ah yes, And then they thought they could be slick by refusing to fight each other, but we won’t be defied that easily, so we pumped her full of stimulants and had neural-anti cognitors placed in her head. Oh you should’ve seen her then, ripped her father apart like a squealing rabbit. And how she cried afterwards, like a little bitch. Oh what wouldn’t I give to hear that again.” Another noble chimed in:”But what about the time we made her fight her lover?” “Who do you mean?” The tyrant asked. “Gladiolus the beautiful but fearsome young Gladiator,” the noble replied. “Ah yeah HAHA. Well not so fearsome in the end were they?” Lord Thal’kr laughed again. “You have to know, when we learned about their relationship, they had apparently gotten close after the death of her father, we brought the two into the arena. They thought they would be fighting beasts but in reality they would have to fight each other. We gave her just enough time to realize her predicament before we pumped up the pressure on those anti-cognitors and turned her back into a wild savage animal. You should have seen them. Gladiolus pleaded with her to ‘snap out of it’ but she fell upon them and crushed their skull between her thighs like a watermelon. It was a delicious spectacle.” This man seemed to relish in the memory and just as Sanguinia contemplated if it was worth keeping him around he went: “Look! There She is. Child of the mountain, Mistress of the red sands along with our finest gladiators. Hail to those about to die!”
Sanguinia looked down into the arena and got hit with a wave of realization like an orbital bombardment. As she stared down she knew what the feeling was that had plagued her all day. It was this presence that she sensed and her prescience that had been screaming at her what her mind didn’t want to comprehend. But now it stood there below her, clear as day and no longer deniable. She thought no primarch could be more haggard than Morrigan and no such demigod could be more disheveled than Corvess. But she was wrong. Before her eyes stood, wrapped in chains, beaten and broken, her own flesh and blood. And as Angron looked up at the red angel standing at the parapet, all that Sanguinia could do was to close her mind to the visions of what was to come.
“You did WHAT to my Sister?!” The red angel spoke, dry and sharp, hair fell across her face and droplets of black blood fell on the parapet. “Well… we…”, before the tyrant could even speak she fell upon him. A massive hand clamped around his jaw and ripped it off. The guards reacted fast but the astarties reacted faster, thow they could not do much more than dispatch of the armed men before Azkellon ordered them to stand down. They looked over at their primarch who, in this brief moment, had already torn her way through seven other nobles with bare hands and was now about to reach her sword. Azkellon saw that the situation had turned most dire and knew he had to take charge. He turned on the vox:”all channels, situation’s fubar. Proceed with operational backup plan. Don’t go near mother, she is violent and unresponsive.” He then turned towards the brothers standing next to him and shouted: “Sanguinary guard evacuate the premises, ensure the retreat of all imperial non-combatants and most important of all: rescue that Primarch!” He pointed down into the arena, the lower levels of the stadium hadn’t yet realized what was happening, but sure enough there would be mass panic and a stampede. The Astarties split up and Azkellon along with his squad hopped down into the upper levels of the stadium. They did so just in time because the roof of the lodge began to buckle as the red angel cut through men and stone pillars as if they were straw. Azkellon cursed under his breath. He should have insisted on jump packs for this operation. It was no use now, they had to make their way down into the arena by foot, cut a way if necessary. When they were finally in the bottom rows the roof of the lodge above them collapsed and they heard an ear ringing scream: “HOW DARE YOU!” and “MY BABY SISTER!”. Clearly the primarch had finished massacring the major nobles in attendance and was now carving a bloody canyon through the minor ones. The stadium was now in full panik and mortals were scrambling over each other to get out of their own slaughterhouse. The Astarties hopped another fence down into the arena. A few bolter rounds dispatched of the remaining guards and Azkellon made his way over to the still restrained Angron. The next few words he spoke would be crucial to ensure the primarchs' cooperation; he had to choose them carefully and he had to choose them fast. “Mistress of the red sands, we are the angels of the Godemperor of mankind sent to aid you in your escape from this wretched place!” He prayed to Terra that she didn’t actually want to stay here. But to his relief Angron nodded and spoke:”My thanks. Get me out of these shackles, I can fight for myself.” Azkellon hurried to get out his multi-tool and got to work on the primarchs bindings. As he did so he looked her in the eyes and said: “it’s okay, you no longer need to fight for or by yourself.” Angron tried to stay stoic but he could see that the primarch was fighting to hold back tears. She looked as thow decades and decades of prayers prayed cold and lonely cells had finally been answered. When the shackles cracked and broke she turned away: ”They come with me”, she pointed to the other gladiators in the arena. “Very well”, Azkellon knew he couldn’t refuse her or the tenuous trust they had just built would be null and void. His squad freed the gladiators and they hurried out of the arena as Askellon ordered another thunderhawk for evacuation. As the last to leave the arena he looked back and saw the seating area had been filled with so much gore and viscera that blood began to spill over and run down the walls into the sand of the fighting pit. He made another vox call to the red tear and ordered them to get Dove on that thunderhawk along with as many tranquilizers as they could muster. They would need any help they could get if they wanted Sanguinia to calm down.
Angron led the astarties through the underbowels of the arena; clearly she knew her way around. However, that also meant that she chose a way that went past all the prison cells to free as many of the caged slaves, gladiators and animals as she could. Azkellon did not complain, he just wanted to get out of here. When they finally managed to leave the colosseum for good they stopped to take a brief respite. Angron turned to Azkellon and said: “I am grateful for your efforts but please, may I ask, you remove your helmet if you are able to, I’d like to see your face if you have one.” He did so and confirmed what he had felt for a while. Tears of black blood streamed down his cheeks and seeped out of his helmet. She looked shocked. “I’m sorry miss, this doesn’t usually happen, but our mother … your sister… it must be the deep connection we have with her that causes this.” Before he could apologize further for the undignified display, they saw a figure rise above the colosseum. The red angel had spread her bloodstained wings and was flying towards the ruling palace at the other end of the city. Over the vox the voice of the enraged primarch could be heard: “LET NONE LEAVE ALIVE! SHOOT ANY THAT ESCAPE THE CITY!” Azkellon had to quickly amend those orders to ensure that the slaves they rescued would survive. Then he voxed in with the other squad of sanguinary guard to get a status report on the evacuation of the imperial diplomats. Luckily they were almost out of the city and operational groups secundus and tertius hadn’t said anything so it was to be assumed that their part went to plan and there wouldn’t be any planetary reinforcements arriving in the city anytime soon. The squad tended to the malnourished slaves and wounded gladiators as best they could and then embarked on the safest possible route out of Desh’ea. The mortals would slow them down but leaving them behind wasn’t much of an option. Besides, mother had always reminded them that they were once mortal as well.
When they were about half way towards the extraction zone, they passed a squad of blood angel terminators carrying heavy equipment and escorting a young mortal. “Barbiel, is that you?” Azkellon shouted over to them. “Yes, great herald, we have the assets you requested.” “Good, the primarch went that way towards the palace. See if you can stop her madness. … Barbiel?" The crimson paladin seemed to stare off into the space behind him. But when Azkellon saw that it wasn’t just him but the other terminators and the young Dove as well he realized what it was. “This is primarch Angron Thal'kyr. we are escorting her to the thunderhawk for evacuation.” The terminators composed themselves, nodded and then hurried along.
And so passed another tense hour of walking through empty and abandoned streets while avoiding the panicking crowds. The hysteria had spread throughout the entire city and rightfully so. There wasn’t a gutter that didn’t have a trickle of blood running through it. Azkellon knew the power of the primarchs but he was still taken aback at how much carnage a single entity could cause. If there was a god of slaughter, he would surely smile this day.
When they reached the edges of the city Azkellon was relieved to hear the turbines of the thunderhawk. Angron stood still behind him, apparently needing a moment. Surely this was the first time she saw a spacecraft. “Where will this take us?” she asked. “Far away from this sight of misery,” he answered. It wasn’t untrue. “I’ll gladly go but first I need one more person to come with me,” she turned around and walked back towards the city, “I need my Yarrow, I need my desert flower, I cannot leave without them.” Azkellon was glad he had put his helmet back on, as he was certain all the color just drained from his face. He quickly voxed in with the terminator team asking if they had managed to calm down Sanguinia. Indeed they had somehow managed to stabilize her with a combination of Doves' kind words and enough tranquilizers to kill a horde of grox. Then He asked about the Tyrant's Child and after a moment of silence got the answer he did not want to expect. The red angel had slain the young mortal in her episode of unending rage. Azkellon thanked the emperor that he was the only one who could hear that answer. He told them to bring back the body of the slain Yarrow and tell Angron that they were killed by their father. He also stressed that they should ensure that no one ever finds out the truth, especially not Angron or any member of the war hounds legion.
When Angron heard news of the perishing of her second lover, she was inconsolable. She wept until they brought her the lifeless body and she wept over them the entire flight back, and she wept at the funeral when they let their corpse drift into the sun over Nuceria and she wept for several days after. These were a rough couple days despite the planetary conquest going off with very few issues. As Sanguinia read the report her legions apothecaries made about Angron and the butcher's nails in her head, she too fluctuated between rage and sorrow. She cradled and comforted her sister trying anything to lessen her pain. Finally she decided on the surgical removal of the butcher’s nails. When her apothecaries warned her of the dangers and the possibility of killing or stunting her sister, she almost tore one of their heads off shouting: “I’d rather have a brain dead sister than a suffering one.” Alas Sanguinia decided to perform the procedure herself. Her apothecaries suggested returning to nearby Ultramar to take advantage of their medical facilities, but Sanguinia denied them for she could not bear to see her Sister in agony for a single second longer.
Preparations were made and when the day of the surgery came all the medical staff of the red tear that could attend, did so. Even the ones who weren’t required sat in the amphitheater and watched the tense procedure. Sanguinia walked onto the operating floor covered in sterile white robes and a surgical mask over her face. Even her wings were covered in sterile white bindings. They would not remain white for long. Angron was rolled in and placed upon the operating table. Sanguinia looked at the sedated and still body of her sister; she was only covered in a ghostly thin sheet. “Father give me strength”, she muttered under her breath. A dozen astarties and two dozen mortal doctors huddled around the two. One of them handed Sanguinia a custom made pair of operating gloves. She dawned them, flicked them to ensure they sat tight and spoke: “let us begin”. A mortal brought her the scalpel. ‘This shall be the blade I wield today’, She thought to herself.
The surgery was long and arduous; it took three whole days before it was over. By the end Sanquinia was exhausted, she had to focus on making perfect nanometer cuts while simultaneously concentrating on using her prescience to ensure the best possible outcome. She slumped into a chair; her otherwise perfect hair was sweaty and messy. When a doctor came in to tell her that Angron's vital signs read normal, her exhausted face managed to curl into a mellow smile. Dove wanted to comfort her after all the work she did, but she only allowed it for a moment. For Sanguinia knew that her sister would soon awake and she needed to be there. When Angron awoke and looked into her sister's eyes she smiled, feeling as if she had awoken from the nightmare that was her life on Nuceria. But when she saw Dove standing by her sister's side she broke into tears, for she remembered. She remembered not only how she lost Yarrow but she remembered how she lost Gladiolus too. The butcher's nails prevent memories from being formed while in a state of rage but that is only effective in normal men. Angron's nails had prevented her from remembering how she murdered her father and crushed her lover in the arena but now she saw it again, clear as day. She wept and wailed in the arms of her sister, soaking her hair and wings in tears.
The pain of the nails was gone but the pain of the past was one that could not be lifted. Angron engaged with her sister, for Sanguinia managed to take her mind off of the grief she still felt. But this would not last long, for soon the Conqueror arrived carrying the war hounds legion, forcing the two sisters to separate. After this Angron fell into a deep deep depression. Ordered to lead men she barely even knew and on board of a ship she found to be unfamiliar, Angron felt even more alone than in the slave pits of Nuceria. Not even the slaves she rescued were there to accompany her for she had sent them away to a paradise world, far away so they may never again be forced to fight. Angron was alone again, she was frightened again and most of all: she was in a cage again. She locked herself in her chambers, where she sank deeper and deeper into grief and sorrow. When her marines came and tried to talk to her she lashed out in desperation, killing more than a few. Even though the nails were removed, she still felt like she was only here to endure a life of suffering and torment.
submitted by clinical_Cynicism to PrimarchGFs [link] [comments]


2024.05.15 22:51 vedant1908 [REQUEST][PC] Minecraft Java and Bedrock Edition ($14.99)(50% off)

What is minecraft?
Minecraft is a very popular sandbox game, where you can do so many things like exploring and surviving in an open world with you friends or alone, build your own world in creative or even play minigames like PVP, skywars and skyblock in servers made by the community
Why do I want minecraft?
I've been playing minecraft for a very long time, I got it as a gift on my birthday 6 years ago but after minecraft forced accoutns to migrate to microsoft I lost access to the account because I no longer had access to the email the account was on, and so I haven't played the game in 2 years and I'd really love to get back to the game once again and play survival and some of my favorite minigames like skywars in hypixel. I can't buy the game because I'm still a student and don't I don't have a source of income or a credit card to buy games.
How to gift?
On the official website or the microsoft store there is an option to "buy as gift", it asks for my email address so if anyone wants to buy it please DM me and I'll give you my email address
Thanks and have a great day :)
submitted by vedant1908 to GiftofGames [link] [comments]


2024.05.15 22:41 AristoDeity I won’t show up on any form of record check - please help

I know this is weird, but since I was young I haven’t shown up on any form of people finder sites or background checks. I don’t show up on google, even when typing in my instagram user name, or Facebook name. When I check my family, just to see if i can find myself through them, it doesn’t list me as related. I can find my mom, dad (who isn’t even alive anymore), all of my sisters and brothers, and relatives that have 0 online presence, I can even find relatives that are related to us by less than 1% DNA. All these are listed as “related people” yet I’m not. My mom has my sisters new husband listed under her relations, but not me. My sister shows up, and she’s only 3 years older than me, weirdly enough she doesn’t agree with working and doesn’t have a corporate or “on the books” job, but she shows up. People who are younger than me show, but I don’t.
I can’t figure it out for the life of me and it’s causing quite the headache, I thought I’d show up after becoming a more established adult, but that isn’t the case. I have credit cards, social medias, bank accounts, a social, a state ID and license. I have medical history too, so there’s no doubt in my mind that I HAVE to be in some sort of database, but why don’t I show up?
Absolutely any ideas, guesses or speculations are welcome. My brain is at a point where I can’t think of anything that seems like it could actually happen. I just don’t understand why I’m not listed as related to my family
EDITED TO CLARIFY: I have been working full time since I was 16, all jobs with my social security, that I’ve gotten state taxes from. I’ve invested in crypto and stocks, I have most social medias right now, my identity did get stolen when I was younger, and the IRS knew exactly where to find me despite the address being less than a week old at the time I received the letter letting me know. So I’m lost- I have just about the same presence as anyone else, the IRS knows me and where I live at all times, but a background check or people search won’t show that. Also I’m 23 for reference
submitted by AristoDeity to BackgroundCheckGuide [link] [comments]


2024.05.15 22:35 WCInvestor A Physician Disability Insurance Primer - Do You Really Need It?

A Physician Disability Insurance Primer - Do You Really Need It?
The greatest financial risk for physicians is losing the ability to turn the knowledge and skills you spent a decade learning into a huge pile of money by working in your profession for decades. There are risks that could show up in your life that would prevent you from being able to accomplish this task. One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career. While many imagine this will occur in a sudden traumatic accident, medical illness is actually a more common cause of disability that prevents a doctor from working. Physician disability is a complicated type of insurance. This post will give you the “must-know” information to secure the best protection and help you avoid common disability insurance mistakes.

TL;DR: Key Takeaways: What Doctors Need to Know About Disability Insurance

  1. The best Disability Insurance policy is an individual, portable, own-occupation, specialty-specific policy.
  2. Purchase disability insurance from an independent agent who can show you policies from all of the major companies. We have a list of recommended Disability Insurance agents used by thousands of white coat investors each year.
  3. Buy as much disability insurance as they are willing to sell you as a resident. Include a future purchase option (sometimes called a “benefit purchase rider” or “future increase option”) and a cost of living disability insurance rider.
  4. As an attending, increase your coverage to cover both your living expenses and retirement savings if you were to work to age 65.
  5. You may get sticker shock, but the reason disability insurance is expensive is that it actually gets used. Slightly more than 1 out of 4 adults will experience a disability before they retire. Physician disability insurance agents often use a figure of 1 out of 7 doctors actually using the disability insurance they purchase. Whatever the true statistic may be, it's certainly high enough to insure against.
Do not take the risk of not having disability insurance.

What Is Disability Insurance?

Disability insurance gives you an income to live on if you become so disabled that you can no longer work.
If you become disabled, a long-term disability insurance policy pays a predetermined amount each month until you either recover from your disability or reach age 65-67. (Note: Policies vary. It is possible to buy a policy that pays to age 70 or even, for a very high premium, until death).

Why Do Physicians Need Disability Insurance?

One out of seven doctors end up having to use their disability insurance. Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face. Your most valuable asset is your ability to work.

How Does Disability Insurance Work?

Disability insurance is a pretty straightforward proposition. You buy a policy and pay your premium monthly or annually. If you become disabled, you (and your doctor) fill out the paperwork to prove it to the satisfaction of the insurance company and then they pay you the promised monthly benefit until you either recover from your disability or the insurance company meets its contractual obligation to pay the benefit.

Short-Term vs. Long-Term Disability

Disability insurance is most commonly divided into short-term and long-term.

Short-Term Disability

A short-term disability policy generally begins paying just as soon as you get disabled and then pays for a maximum period of 3-24 months. These policies are often provided by an employer as an employee benefit. Short-term disability, while inconvenient financially, is not generally a financial catastrophe for a physician saving for retirement with an emergency fund. As a result, many doctors do not buy short-term disability policies at all.

Long-Term Disability

A long-term disability policy generally does not pay immediately, but only begins to pay after a waiting period ranging from 1-24 months (typically 3 months). Then, the policy will continue to pay you a benefit each month until age 65, 67, or 70, depending on the policy. Note that a 3 month waiting period typically means your first check won't come until the end of the first month after the 3 months, so it's really a 4 month waiting period. Since losing your ability to earn a living for the rest of your life is a financial catastrophe, any doctor who is not financially independent should buy a long-term disability insurance policy.

What Does Disability Insurance Cover?

Disability insurance covers all kinds of disabilities. The best (and unfortunately most expensive) policies cover the widest range of potential disabilities.

The Definition of Disability

The most important feature is the definition of disability. Disability insurance differs from life insurance in numerous ways, but none is more significant than in defining exactly when you become disabled (and when you become enabled again). The broader the definition of disability you get in your policy, the more the policy will cost.
Unlike life insurance, where life and death are pretty black and white, disability has 50 shades of gray. You want a policy with a strong, broad definition of disability that will cover any possible type of disability? That means “true own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others. Even among the “Big 5,” there are slight differences. It is OK not to purchase the policy with the very best definition of disability, but the weaker the definition, the bigger the discount you should expect.

Own-Occupation, Specialty-Specific

Probably the most important aspect of the definition for doctors is that it be specific to your occupation. For instance, if I lost my left thumb, there are a number of procedures in emergency medicine that I could no longer do. I would be completely disabled from managing a busy emergency department by myself. But I could probably still go do urgent care work. A specialty-specific definition of disability in my policy would provide me with my full disability payments in addition to the money I make at the urgent care. Sometimes, the “specialty-specific” clause is inherent to the policy, and at other times it is an additional rider (a piece of paper added to the policy for which you pay an additional premium). Either way, you almost surely want to get this in your policy. Here are the various definitions, starting with own occupation and progressing to any occupation.

Own-Occupation Definition

Under this definition, your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field and make as much money as you want.
Own-occupation policies cover people based on the occupational duties they are performing at the time of claim. If your policy includes an own-occupation definition of total disability and you are exclusively performing the customary duties of your medical specialty or sub-specialty at the time of the claim, the policy will cover you when unable to perform your specialty or sub-specialty. If you have transitioned into a different role or expanded into a new career path that requires much less direct patient contact or procedural duties, you may no longer be considered totally disabled when unable to work in your specialty or sub-specialty. This is because your “occupation(s)” involves additional material and substantial duties, no longer limited to the performance of your medical specialty or sub-specialty. In these instances, you may be considered partially disabled or not disabled at all, depending on the exact circumstances.

Transitional Own-Occupation

Your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field. But if you exceed your previous income while you now work in another field, your monthly benefit from the policy would likely be lowered.

Modified Own-Occupation

Your policy will only pay if you can't work in your occupation/specialty AND if you are not working in another field. This definition is also sometimes called “Own-Occupation, Not Engaged” or “Own-Occupation, Not Working.”

Any-Occupation

Your policy will only pay if you cannot work in any occupation based on education, training or experience. Note that some policies are own-occupation for a couple of years and then transition to any-occupation.
One company out there (Northwestern Mutual) sells a policy with a definition that they claim is BETTER than own-occupation. They call it Medical Own-Occupation, but in reality, it is just a form of modified own-occupation. Learn more about the NML Medical Own-Occupation Definition.

Do You Really Need an Own-Occupation, Specialty-Specific Policy?

Some non-procedural physicians argue that they might not need a true own-occupation policy. They reason that if they are so disabled that they cannot practice their specialty, they probably cannot do anything else. So, they accept a less broad definition of disability to save some dollars on the premium. If you choose to do this, make sure you understand the exact circumstances under which your policy will and will not pay out.

Mental Disorders/Substance Abuse

Many policies will only cover mental illness or substance abuse-related disabilities for a period of two years. I know an attorney who couldn't practice law after developing bipolar syndrome in his 30s. It took over a decade to get it under control. He had a policy that covered mental illness indefinitely, which prevented financial catastrophe from striking him and his family.
According to the April 2011 issue of Current Psychiatry Magazine, physicians are not immune to depression and have an increased risk of suicide. Additionally, the lack of distinction between a psychiatric diagnosis and impairment stigmatizes physicians and impedes treatment.
You'll need to decide whether this is a risk you're willing to run. If you want mental illness covered like every other illness, you'll be paying more.

Presumptive Total Disability

As you well know, disability can be defined in many shades of gray. In the event of your disability, you can expect a paperwork fight between you, your physician, the disability insurance company, and maybe even your attorney. However, most policies contain a section that defines “presumptive total disability” where you can be assured there won't be much arguing from the insurance company. Even better, the waiting period will be waived and you'll start getting payments right away.
Anything short of that, and you're going to have to get your doctor to certify your disability and get the insurance company to accept it. At times, this can involve visits to multiple specialists and even hiring an attorney. Note that with some companies, presumptive disability does not need to be permanent.

Cosmetic Surgery/Transplant Surgery

Some policies will cover you if your disability is the result of cosmetic surgery or the result of donating a kidney or other body part to someone else. Others will not. Best to read your policy carefully and know what it does and does not cover.

Disability Insurance Exclusions & Limitations

Disability insurance policies generally exclude any medical conditions you have at the time of applying for insurance. For example, if you already have chronic back pain, the policy will not provide a benefit if you are disabled due to a back condition. In addition, if you admit to participating in dangerous activities such as scuba diving, rock climbing, flying, and sky-diving, the policy will likely be issued with a rider that excludes those activities from coverage. Other exclusions may also apply, such as acts of war, normal pregnancy, and foreign travel. Here is a list of common exclusions:
  • War or Act of War (this could probably be interpreted pretty broadly)
  • Active Military Duty (having served, this is pretty stupid since 95%+ of our military folks are never in any kind of serious danger of being hurt by a combatant)
  • Normal Pregnancy (don't want to work because you're eight months pregnant? Don't bother trying to get disability benefits for that)
  • Foreign Travel (varies by policy, but many don't cover you during that European vacation, much less that humanitarian trip to Sudan—read the fine print)
  • Mental/Nervous Disorder (many companies limit benefits to two years, where they might pay for “physical” disorders until you're 65 years old)
  • Medical Exclusions (any medical conditions you have at the time the policy is issued will likely be excluded, meaning if you have heart disease at the time of issuance and it leads to you being disabled five years later, the policy isn't going to pay. Again, apply when you are young and healthy and/or when you haven't had medical problems for several years to minimize this.)

Residual Disability

Residual disability refers to being only partially disabled. This may occur from the initial injury or illness or be part of the process of recovery. You generally need to buy an additional rider to cover this. Read this rider carefully, it can be a bit complicated.
Imagine developing painful lumbar radiculopathy that keeps you from working more than 20 hours a week. This is the part of your policy that will cover that. This rider will also explain how much you get if you are partially disabled. My old policy says it pays the whole benefit (total disability) if I can't earn at least 20% of my “indexed prior monthly earnings,” which is basically the money I earn at my job. It doesn't count my investments, other disability income policies, rent from a rental property, or my nonvocational activities. It doesn't pay anything if my earnings aren't reduced at least 20%. If I am making between 20%-80% of what I made previously, I get the total disability benefit times the ratio of my loss of income for that month divided by my indexed prior monthly earnings. Note that with some companies, the partial disability rider will kick in at 15%.
Some contracts use “or” in the contract and others use “and” in the contracxt. For instance, a stronger policy would trigger the partial disability rider if you had a loss of income or a loss of time or a loss of duty whereas a weaker contract would require loss of income and loss of time and loss of duty where all of those triggers must be met.

Partial Disability vs. Residual Disability

Partial disability and residual disability are generally considered to be the same thing, but there is a technical difference at some companies. For example, at one company, a partial disability rider requires total disability during the elimination period and the residual disability rider does not. With another company, partial refers to the disability, such as one that only affects one part of the body (such as one arm), while residual refers to a decrease in earnings. Either way, the key is to understand how the residual/partial rider works in the policy you actually purchase.

Recovery Benefits

A physician should consider a contract that will continuing paying them a portion of their benefits upon recovery from a disability if their income continues to be down at least 15%-20%. Most carriers will pay a recovery benefit for the benefit period although one only pays for 12 months. This is especially important for practice owners. Think if a dentist were to be disabled for 6 months and then recovers and goes back to their practice. Many of their patients may have gone elsewhere because the dentist sees his patients twice a year. It could take several years to get back to where he/she was at before becoming disabled.

Recommendations for Physicians on Disability Insurance Riders

Here's an easy cheat card to help you know at a glance what we think about all of the various riders available.
https://preview.redd.it/akf6t5iqfn0d1.png?width=800&format=png&auto=webp&s=3f8b415d0101d729fdfa51bc9147993309147d75

Who Needs Disability Insurance?

Nearly every high-income professional in their first decade or two out of school should own a policy. Your most valuable asset is your ability to work. So, if you do not own a disability insurance policy, you need to go get one, now. If you have an income, it's time to buy a policy, even if money is tight as a resident. The only exception is if you do not rely on your income to live. If you are already financially independent, it's OK not to buy disability insurance. However, even if you are frugal and married to another high earner, you may wish to still have a policy. You could both become disabled, or you could become divorced.

How Much Physician Disability Insurance Do I Need?

As a resident, you typically cannot afford to buy as much as you need, but you should be able to do so even as a brand-new attending. Basically, you need to buy enough disability insurance to cover both your living expenses and your retirement savings if you were to work to age 65 but not your taxes. Physician disability insurance payouts are generally tax-free since they are usually paid with post-tax dollars.
Note that how much you need has little to do with your income and everything to do with what you spend. The less you spend, the less insurance you need to buy. Insurance agents would love to sell you the largest possible policy (which usually works out to be about 2/3 of your gross income, but it is possible to combine two companies to get even more), so you'll need to decide how much you need on your own. Resident physicians typically buy a $5,000 per month benefit and attending physicians typically buy a benefit in the $10,000-$15,000 per month range, but there are plenty of docs who buy both more and less. If your plan in the event of disability is to rely on the income of your spouse, you may not need disability insurance at all.

Average Cost of Disability Insurance for Physicians

Unlike cheaper insurance policies like term life and umbrella policies, physician disability insurance is expensive, although not quite as expensive as your malpractice insurance. The reason it costs so much is it actually gets used. The likelihood of you acquiring a long-term disability during your working years is approximately seven times as high as your risk of dying in those years. A typical policy bought on a healthy doc in their 20s or 30s will cost something between 2%-6% of the benefit. If your monthly benefit is $10,000, expect to spend $200-$600 per month for that. Perhaps the sticker shock you get upon being quoted prices will motivate you to reach financial independence as soon as possible so you can cancel the policy.

Graded vs. Level Premiums

One way to save money on your policy is to get graded premiums. Not all policies offer this feature, but those that do will charge you less in the first few years and more in later years. Level premium policies charge you the same amount in premium every year. A graded premium policy accounts for the fact that you become more likely to become disabled as you go through life. However, it can be very beneficial to you because your need for insurance actually falls continually throughout your career as your build your retirement nest egg.
Once you become financially independent, you can drop the insurance completely. This is a good idea since the total benefits a policy could potentially pay are also dropping throughout your life (since the policy will generally only pay until you are in your mid- to late-60s). Many white coat investors who are great savers hit financial independence by mid-career. If you are one of those, you are likely to come out ahead using graded premiums instead of level premiums.

What Disability Insurance Discounts Are Available for Doctors?

Like other types of insurance, disability insurance is sold by agents who are paid commissions by the insurance companies to sell their products. It is a very competitive business. The insurance companies want agents, especially the independent agents you should be buying from, to preferentially sell their products. To incentivize the agents, they offer discounts that are only available through certain agents. Experienced, high-volume agents can often provide you with the same policy at a cheaper rate than a newer, lower-volume agent. Thus, it pays to use an experienced agent and shop around with two or three of them. Nearly every doctor should qualify for some type of discount on their policy—10%-30% premium discounts are not unusual. Types of discounts include:
  • Unisex discounts
  • Student/Resident/Fellow discounts
  • Multi-life institution discounts
  • Guaranteed Standard Issue (GSI) institution discounts
  • Association discounts
Learn more about physician disability insurance discounts.

How Do I Buy Disability Insurance?

The key to physician disability insurance is the independent agent. The agent is going to be paid a great commission by the insurance company no matter which policy you choose. Assuming policies with similar benefits, the commission isn't going to be all that different. Plus, these agents get plenty of business and none of them are starving, so they have little incentive to sell you an inferior policy for a slightly higher commission. Their reputation is worth far more than a few extra dollars in commission. Since you are (indirectly) paying the agent a very nice commission, don't feel bad about using their time and expertise to fully understand this complicated product.
For most doctors, this is a purchase that is only done once or twice in their life. Have the agent quote you different physician disability policies from each of the “Big 5” companies and show you the strengths and weaknesses of each. If you have a policy from work or your professional association, bring it in with you and have it included in the comparison. Then, you can know you made an educated decision and you can buy it and forget about it. Also, be sure to ask for a discount. The vast majority of doctors will qualify for a 5%-30% association or employer-related discount, and a top-notch agent will help you get that.

What Type of Disability Insurance Should I Buy?

There are two main types of disability policies: individual policies and group policies. As a general rule, individual policies have stronger definitions of disability. Many group policies are not own-occupation policies. Individual policies are also portable, in that you can change jobs and take them with you.

Individual Disability Policy

There are a number of benefits of an individual policy. The main one is that you are in control of all the details. You get to choose how much insurance you want to pay for. You get to choose which of the bells and whistles you are going to pay for. The policy is also “portable,” meaning you still have it if you change employers (or if your employer just decides to change the policy). As a general rule, the policy is also “stronger,” meaning it is more likely to actually pay you if you get disabled.

Group Disability Policy

A group policy provided by your employer is usually not portable, although sometimes you are allowed to take over the entire premium and take it with you. Group policies also frequently have premiums that increase every year or every five years, whereas an individual policy usually has level premiums. Group policies paid for by your employer may also pay a taxable benefit, rather than the tax-free benefit provided by an individual policy. Aside from the lower cost, the main benefit of a group policy is that it may be easier to qualify for. It may not require any sort of medical exam or blood work, and it may not ask any pesky questions about your medical conditions and dangerous hobbies such as rock climbing, skydiving, scuba diving, or flying.

How to Compare Disability Insurance Policies

The most important feature is the definition of disability. You want a policy with a strong, broad definition of disability that will cover any possible type of disability. That usually means “own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others.
Since disability is complicated, disability insurance policies are complicated. There are dozens of differences from one policy to another, making them difficult to compare. Use your independent agent for recommendations on what matters most. Just for an example, take a look at this chart of all the differences you could see between one policy and another.

When to Buy Disability Insurance?

You should buy disability insurance just before you become disabled. Since you don't know when that time could be, earlier is generally better. However, disability insurance is also expensive, and when you are young and poor, you have lots of other great uses for your money. A good compromise is to buy a small policy as you enter residency and then upgrade to a more robust disability insurance plan just before leaving residency. The younger you are, the healthier you are, and the fewer dangerous hobbies you engage in, the cheaper your premiums will be for the same benefit.

Best Disability Insurance for Physicians

I keep a list of those I consider the best disability insurance agents in the country. Save yourself the work of finding a good one you can trust and use the same agents that have been used by thousands of WCI readers in the past. You do not need someone local that you can sit down across the table from. It is better to have someone who has sold policies to hundreds of docs this year working with you by phone, Skype, Zoom, and email than someone you can sit down with who has only sold four policies. In addition, if there is some issue with one of these agents, I can usually help you resolve it quickly.
Information in this space rapidly changes. While we try to keep The White Coat Investor website as up-to-date as possible, our recommended agents are going to be our best source for updated information. I cannot emphasize how strongly I suggest you use them, whether buying your first policy or simply reviewing what you already have.
submitted by WCInvestor to whitecoatinvestor [link] [comments]


2024.05.15 22:11 No-Bodybuilder6029 Bought for 500€ and got suspended randomly, didn't even received the codes.

Hello, I buy very often on g2a, and today I bought Steam cards for 500€+, and they didn't send me the codes. Then I created a ticket to make a complain and they suspended my account.
So I got no codes, I lost 500€, and got suspended. I did everything as always, I didn't use vpn or anything like that.
My account email was danilo.vidanovic.1998@gmail.com.
I can't see my order ID because I am suspended and I can't access my account.
Please help me.
submitted by No-Bodybuilder6029 to G2A_Help [link] [comments]


2024.05.15 21:57 Signal_Valuable_1743 AITA For Confronting My Grandma About Her Texts To My Boyfriend?

Warning this is a long one. If anyone has seen Gilmore Girls, please picture my grandma as Emily Gilmore because I seriously don't know how they were able to capture my grandma so accurately.
This morning, I (22f) had what feels like a huge blow out with my grandma (74f) over text this morning. For a big background, I am my grandmas only living descendant. My birth mother died when I was 3 in a car accident, and she was my grandmas only child. My mother struggled with bipolar disorder and was in an abusive marriage with my father. After she died my grandparents attempted to get full custody of me and the result was visitation under grandparent rights. The court petition is available online and can be found by searching my full name, which is so great for me. Obviously, there was bad blood between my grandparents and my father. I grew up in the middle, scared to show that I loved my grandparents but also slightly distrusting of them because the stories they would tell me were different than what my father would.
I have tried to set boundaries with my grandma in the past. She calls me by my dead moms name occasionally. I ask her not to, she still slips up and does. She's inviting me to go to my moms grave, I don't feel comfortable doing that. She makes me feel guilty about no one putting flowers on their graves when they die. She's convinced I'm bi-polar despite me having been tested 3 times and being diagnosed as not bipolar. She will make passive aggressive comments about not only my but my boyfriend (23M) of 4 years weight and stretch marks. I've told her that we both struggle with eating disorders. After graduating I went from being 120lbs at 5'7 (underweight) to being 190lbs (overweight) in 4 years, some of the weight gain was healthy then the past year and a half I've put on the majority of it, becoming unhealthy. The past year and a half I have also had severe mental health struggles. I have ADHD, depression, and anxiety. I struggle to do a lot of basic things. I was seeing a therapist but then my insurance changed so I am trying to find someone new. I am on medication. I am actively getting help.
My grandma will call me 20 times in a day regularly. She'll text me more than that. When I haven't answered she has called my boyfriend at his job. She will harass my boyfriend and demand to know what I do every hour of everyday, despite him being at work apparently he's my babysitter. It is negatively impacting our relationship because he feels he's being forced into a parent role. She ruined a job interview for me one time because she wouldn't stop calling during it. I am terrified for her to show up unannounced. Luckily we live 4 hours away from each other, so I think I have a safe enough buffer. However, every weekend for the past month she has been trying to come and stay for the weekend.
Now on to the main confrontation/issue. My grandmas mom, my great grandma, offered to give me 1k a month so I could focus on finishing my degree (after this semester I have a semester & then a class left.) My only condition was that I focused on school. This morning my boyfriend sent me a text that said I needed to talk to my grandma as they were withdrawing their financial support. He sent me screenshots of their texts, I am going to transcribe them best I can without making this post too long. I feel like its getting long already lol.
GM to BF: We'll pay for her therapy. She needs talk & medicine. Her psychiatrist should do both. But the monthly 1k, so she doesn't have to work while she's getting the rest under control hasn't helped her. I'm afraid it has given her too much time alone, which is bad for her. I've worried that helping her not to have to work was a bad idea. She does much better with interaction. Maybe encourage her to come over, or take a trip with me during the next 3 weeks (my summer classes start). She needs interaction. She was much better in high school because she was so involved.
BF to GM: Will do, she has been looking at getting a summer job.
GM: Doing the monthly may be hurting more than helping. She wasn't even successful with her classes, even without the outside job. I THINK she would do things if she was here. Crafts, cards, all the extended family. Right now we're just paying her to stay home and read. I don't think the 1k will continue. It was for her to do her classes without having to work through December.
BF: I'd text her and mention that. You should talk to her SPECIFCALLY about losing the 1k.
GM: But it didn't work so why would we still do it? Classes were supposed to be her job. She completed 10 of 18 hours. She didn't do her weekly progress reports and didn't send us her finals. Never once. If that was her "job" paying her weekly, and anyone else as her boss, would she still have that job?
BF: I don't have that answer. I can't speak for her on those things.
GM: You know the answer is no. This is not helping her. This is a face to face conversation. Her story is not what I know to be the truth as I related to you.
GM: I know she lost her scholarship and just isn't telling us. I'm sure she's not proud of it. I told you earlier, that I knew she was in a bad place. That was when I needed to help her. Not after it was too late. She just said there was a cap on the amount of scholarship and she's used it. She's getting a student loan to finish. I'm proud of her for doing that instead of asking us. BUT, what I've pieced together is what I said earlier. And her loan is because she has to pay back the scholarship and tuition going forwards. Right now is the best time for her to transfer(to a college where she lives.) I knew we were in trouble when she sent me a photo of a stack of books she checked out from the library. I had zero time to read books when I was a college student, and I didn't have a job in addition.
BF: While that may be true, you also were in different classes. It's good for her to have time to do things she likes when she's not in class.
GM: I had a social life with other people. I did not stay isolated. She does well with others. Alone drags her down. Just like her mom. A powerhouse when she's involved. Depressed and anxious when she's alone. She's become totally reliant on you. She's lost her independence and drive. I know its flattering you want to be her savior, but for different reasons, its crippling for both of you.
BF: I don't want to be her savior. I really don't.
GM: Rescuer
BF: I really want more than anything for her to be self reliant so we can both lean on each other. I just know at the end of the day I will always support my girl.
GM: That's best but she has to let go & stand up. Develop a broader network to build strength, You are her core! Like a center pole in a tent. Now she needs the other stakes to have the support.
I took 14 credit hours this semester and I only dropped 1 class that was 2 credit hours because I could take it in the summer and lighten my load. I passed all my other ones with As & Bs. I misspoke to my grandma about my scholarship. I told her it was 5k and then I was out but in actuality it was 20k, 5k per semester not total. I've used 4700 so far. That still doesn't explain why she thought I had lost it but ya know. I see my friends at minimum once a week. I have 6 close friends I regularly see. I text with them daily. I grab dinner with them. I game online with them. I attend class 2 times a week. I only see my boyfriend 2 nights a week and on Sundays, and we LIVE together.
My grades conveniently became available online at the same time this conversation was sent to me. So I took a screenshot of my grades and sent them to my grandma.
OP to GM: Here are my grades. I also sent them to grandpa. Thanks so much for believing in me, not. You are the last person I want to see or talk to right now. BF showed me everything. When I am read to talk I'll let you know.
GM to BF: I cannot believe you did this. Now she is furious with me & won't talk to me. I told you that in confidence. You need to fix this. That's not good things for her to know out of context.
OP to GM: Actions have consequences. The consequence of your action is that I am not speaking to you. If you continue to message BF, I will be blocking you on his phone. Not only today, but previously, has been highly inappropriate. I am NOT a child. I do NOT need babysitting. I do NOT need rescuing by you. You are NOT my savior. Stop trying to be.
GM: *Long message trying to re-explain how the messages were worded.* I told BF you're smart and a powerhouse! I just want to see your independent spirit and get you there again. I am your biggest supporter. You're misinterpreting this.
OP: BF screenshotted everything and sent it to me before I ever said anything to you. I don't know how reading exactly what you have been saying about me is misinterpreting things. Please stop messaging me.
When I was in high school I was awake from 6:00am-2:00am. I was in 10 clubs/sports, all honors classes, I was starving myself, I slept less than 4 hours on average. I was a walking zombie that was living off a strange energy that being starving & sleep deprived creates. I was miserable. I was depressed. I was anxious. I only had time for friends in school. If you didn't have a class or lunch with me, you never talked to me. I struggled with school work at home because my adhd. I was not a powerhouse, I was fighting to survive everyday and I feel like I used up every piece of energy I'll ever have then.
This is where we left off. I feel guilty confronting my grandma about it, and feel like I should apologize. But like I said to my BF after he got upset with me for him being in the middle:
Its an incredibly overwhelming relationship that has baggage older than I am which has been put on me my entire life. It has been like this my whole life, except that until I was 18, I was the middle. I know it's a lot, but this is how she is. She is an intrusive controlling and manipulative person, while it may from from a place of care, she still is those things. Herr loving me and being kind to us does not take away the hurt and pain that she causes me. It is not care and love when there are stipulations to that care and love. She's constantly weaponizing my dead mom's mental illness against me. She wants to send me money so I don't have to work and can focus on school but when that actually helps me then I'm not nearly busy enough for her liking. She's also creating a hostile environment where I can't express if I am struggling because then it'll be "I told you so" and then I'll have to drop out of school because they'll stop providing financial support.
So reddit, AITA for confronting my grandma about her texts to my boyfriend?
submitted by Signal_Valuable_1743 to TwoHotTakes [link] [comments]


2024.05.15 21:55 UnableSheepherder800 personal loan for credit card debt

i was considering taking out a personal loan to pay off my credit cards. i have two. one with a balance of about $2,825, apr of 32.24 (capital one) and one with a balance of about $3,375, apr of 28.24 (discover)
i've never missed a payment, i pay about $200 on each every month. i don't use either very often (i don't use the higher interest one at all anymore) but the interest is killing me. i was wondering if it'd be smart to use a personal loan to consolidate all my debt with a lower apr and close the higher interest card (maybe even both?), and then i can pay $400 monthly for the loan. i was always good about paying off my credit cards before that but vet bills and a depressive spiral after i lost my pet (after paying a crap ton on said vet bills) effed me over real bad.
i work 40hrs a week and make about 1.8k a month, more if i pick up overtime (i do when it's available). if i didn't have other bills (i live on my own so rent, electric, internet, groceries, etc) i'd just put my paychecks towards the cards but that's not really possible. i have started budgeting much better as well because i recognize i had a terrible spending habit before my credit card debt.
submitted by UnableSheepherder800 to FinancialPlanning [link] [comments]


2024.05.15 21:38 sweet_cakes3 My experience in Germany as an Iraqi coming from Ukriane

Hello beautiful people, thank you for taking the time to read this.
I just figured to share my experience here as I'm unfortunately currently in a not very good state, I can't complain but this definitely not how I envisioned it to go like.
I was a medicine student in Ukraine and I've already graduated, I had to leave Ukraine cuz of the war that was ongoing, I eventually found myself in Aachen.
I've been here for 2 years now, first of all I'm grateful to be here and it's definitely safer and better than my original country, and anyway, I tend to connect better with people from Europe rather than my own country.
I was expecting my journey here to be very exciting and I had so many plans on how to do it, but unfortunately it's mostly depressing and saddening.
I'm not allowed to work, study or even attend a language course, and I haven't gotten an ID card yet too.
Ukrainians have all these benefits, people with Ukranian passports too, but since I am from Iraq, this is how the treatment is.
I'm not really sure what to do, the case worker people tell me that I'm in a "parking position" and I'm like yeah, I can feel it too.
In terms of money, since January I've been receiving money monthly from the city, but these benefits are stopping next month anyway and this just adds another layer of stress.
I'd love some ideas, advice, your point of views, I'm pretty lost but I keep my head up and try to stay positive.
submitted by sweet_cakes3 to aachen [link] [comments]


2024.05.15 20:27 mmfdstan1 Lost IDs returned, should I still monitor my credit reports?

I lost my wallet the other day and managed to cancel my cards before any damage was done (minus one $6 purchase that I disputed). My health card and drivers license were in the wallet as well but thankfully the person who picked up my wallet left my ID cards in a nearby little library box and some kind person contacted me to return it.
That being said, a lot of posts on reddit recommend checking your credit report on transunion/equifax monthly or contacting them and asking to flag your account and call you anytime there is a credit inquiry.
Should I still follow through with that if I got my physical cards back or am I just overly paranoid. The comments where people say 3 years later someone had taken multiple credit lines in their name worry me.
Thanks for your help!
submitted by mmfdstan1 to PersonalFinanceCanada [link] [comments]


2024.05.15 20:03 GovernmentOk5279 NHI, UAP, Anomaly: The Problem is the problem

Forgive me for the initial ambiguity. I am not certain how to proceed, I just know that I have been given the green light to share this initial post. Take it for what it is:
Far too many are spending too much time and energy trying to solve a problem they don’t even have the right set of integers. It is quite literally impossible. Have you not ever wondered why great researchers who spend thousands of hours cannot land on anything concrete ?
Men and women have dedicated their life to figuring out the connections between the anomalous, to ultimately give up, or they ran out of time on this mortal coil. God forbid someone stumble onto the truth, and then conveniently get suicided. All of this connected, and really that is the point: Connection.
Currently, our government has spent trillions to solve this problem and to figure out who they are in bed with, and still they are in the dark. But many of them are okay with that as long as their pockets keep filling. See, for the Problem, existing in the shadows is their identity. The Problem excels in confusion and chaos. In drawing someone in just enough to keep them digging, but then driving them mad by having them feel around in the dark.
It is like Humanity is in a dark room. A big room, like a warehouse. And we are in the pitch black trying to find the light switch. Only, when someone gets too close, they either get turned the other direction, get tripped up, get locked up, or get gone. All the while, a few have on night vision goggles and orchestrate all the aimless wondering. Every once in a while, the searcher will stumble across a technology that pushes them towards the light switch, to then be thrown off course and continue to walk around aimlessly. In the pitch black, when someone “discovers” something, the others wondering around will begin to flock to that glimmer, to then be sidelined once again because the Problem loves to move large numbers of people towards an objective. It is a frustrating process and one that will continue until the lights are turned on.
However, many of our best and brightest have been co-opted to keep anyone and everyone from knowing the truth. They have falsely believed that those who desire to bring them to ruin are their allies. Over the years, many have woken up to the idea that maybe these NHI ‘friendlies’ aren’t friendly after all. Others have been so enthralled with the ‘gifts’ given to humanity, that they dismiss the possibility of these NHI’s are anything but benevolent.
Many of these “gifts” are found. In fact, all of the originals were found. How does that make sense? Pretend you are having an Easter egg hunt (not religiously speaking), and it is a grand ole time. Fast forward 5 days and you are out in the yard cutting the grass and you see a glimmer in the grass. Turns out, even though 5 days have passed, that egg is sitting where you left it. This is a very simple way of looking at it, but this is how the retrieval process began.
Many days (or ages) ago, objects were lost. Today, because of they know where the eggs are hidden, they can lead people to discover. Once discovered, the craft were studied and used to further our existence. Nowadays, the craft could be old that we discover, or it could be craft that are actually man-made, under the tutelage of NHI. The NHI can not easily manufacture in our dimension, so they tap the humans that best serve their purpose.
This can happen within an entity like the Armed Forces or a part of the Military Industrial Complex. This can also be done through organizations that we don’t readily know the name of, for example, have you ever heard of the Sonora Aero Club? Most have not, however, in the United States, this group was one of the first to be co-opted for a mission that they had no clue they were on. It makes me nervous to even write this, but we must try to find some semblance of light if we are going to make it out of this warehouse in one piece.
Men like David Grusch are diligent in their search, however, they will never be able to put the pieces together until they back up enough to see the Problem. Until it is diagnosed, we will look at pieces of a puzzle without having the box as a reference picture. The pieces of the puzzle: UAP, NHI, cattle mutilations, paranormal, etc etc, can’t be looked at as different problems—— they are the Problem.
There are entirely too many components for us to break down each in one post, but please just suspend skepticism for a minute and read this last part as if it were true:
There is an underlying glue to all things. A thread that ties us all together. In other dimensions (for lack of a better word), this thread can be woven together by groups of people having a similar idea, ideology intention, hope, fear, or sadness. Each individual thread, being part of the whole, is assembled into whatever dominates that person’s mind at that juncture. I know this sounds wild, but just imagine. Therefore, a group can be woven into a blanket that provides warmth and safety, or into a noose which could spell the end to all things. The Problem’s agenda is the latter. However, the people that are part of the Problem believe that they are making a blanket. This is why it is so hard to get people to see it for what it is: because it would mean humbling yourself and realizing that you have actually been working in the noose factory. Few people can admit their folly. Even fewer people can see they are part of the Problem because their pockets are stuffed or their power is enormous. The Problem is not stupid nor lazy, it will give you anything and everything it can to reel you in, because when the day comes, you will be tapped to do something you don’t want to do, but you must. That is part of being in bed with them, they control you.
That is all I have in me currently to share. I know that people will roll eyes, scratch heads, or dismiss completely. I am okay with that. I am not trying to sell you anything, just report on what I know to be true. I may share again, but I will answer questions best I know how. I leave you with 2 quotes:
“We’ll know our disinformation program is complete when everything the US public believes is false” -CIA Director, William J Casey, 1981
“The last card is the alien card. They will build space-based weapons against aliens, and it is all a lie.” -Werner Von Braun, 1974-1977
PS- if you ask about specific anomalies, ie. crop circles, I may only have a theory as to "why" because I don't have information on everything. But it is ALL part of ONE problem.
submitted by GovernmentOk5279 to conspiracy [link] [comments]


2024.05.15 19:39 jcfurr331 TBI C&P went worse than I thought...

The military has acknowledged I have a tbi but hasn't really done anything about it since it happened. I have memory issues and headaches but I chalked it up to mom brain and just being tired until I took that memory test and spoke with the provider. I fall out of conversations alot and just stare off. Headaches. Sensitive to light and sound. Can't remember much long term and struggle with short term. I could not remember the 3 words even though I was repeating them back to myself in my head over and over but at some point I lost it. I just want it to get better. I don't even care about a rating at this point I'd trade it for no more brain fog in a second.
submitted by jcfurr331 to VeteransBenefits [link] [comments]


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