TL;DR: 85 yo Mom’s NW $6.5 million, gets mediocre paid advice from CPA / attorney / FA; should I find someone else to help her or since I’m likely the main beneficiary, should I just continue to be more involved and help?
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Mom is 85yo, good health, NW around $6.5 million, invested about 50/50 stocks/bonds, age at death in her family usually over 100. Owns her home outright, worth about $550,000. Yearly spend is barely $40,000, and that includes her Medicare supplemental stuff. Everything she owns is in a revocable trust. She lives simply.
I think she’s been getting lackluster guidance from every finance/estate/law/tax professional in her life and am trying to figure out how to help her better with this OR find the right people to help her.
Her goals with her estate are to minimize estate taxes, leave most/all of her estate to me and about 10% of it to my sister, and have enough to pay for LTC for herself.
She’s currently gifting me and my spouse $18,000/year each. And I can occasionally get her to write a check to my sister as well. She is terrified she will outlive her money, and is always sending me articles like “SHOCKING: Sally Joe in Oklahoma only saved $80,000 for retirement and can’t afford her $50,000/yr nursing home.”
Tax Issues:
Her CPA, also a JD specializing in tax law (until he retired last year) was painfully unhelpful. He’d prepare her taxes but provided no guidance on tax strategy. Her investments spin off realized gains/losses from dividends and interest so some years she’ll have $450,000 in realized gains, then the next year $150,000 in realized losses. Her CPA was following the 110% safe harbor estimated taxes thing, so she’d end up chronically underpaying or overpaying, then get really annoyed at him about that. Last year she was due nearly $45,000 in refunds, but her CPA just rolled that forward to the next year’s tax liability without telling her.
So I called up her Financial Advisor (AUM model, sub 0.75% fees), and asked “hey, can we come up with quarterly predicted income forecasts so that we can pay estimated taxes in a more reality-based way?” And he was like “oh yeah, no problem,” and started generating quarter end reports that we can base estimated payments on.
Also, for as much as she complains about capital gains, no one ever said “hey, you can ask to to not realize as many gains,” and then explained what impact that might have. But when I lived in a city/county with high taxes that kick in over a certain income level, and I had no problem asking our FA (same as my mom) to limit realized cap gains to avoid getting above that threshold when we lived there.
Lawyer issues:
My mother has spend close to $30,000 on an estate lawyer to help rewrite her will. This person has jacked her fees from $180/hr when they first started together 3 years ago, to $600/hr now - the biggest jump happening when the attorney found out my mom’s NW. Doing something as simple as reducing my sister’s share of ONE account cost $2,500, including the time it took for the lawyer to write a letter for my mom to sign saying that the lawyer recommended AGAINST unequal shares.
Yet this lawyer has provided zero guidance around keeping taxes low, avoiding estate taxes, how to handle gifting, etc. And this lawyer pushed for she herself (the attorney) to be the executor of my mom’s estate. I tried repeatedly to explain I can handle selling her condo and closing her very simple estate but mom thought I couldn’t/wouldn’t be able to handle it.
Thankfully my uncle stepped in and assured her I can. He also explained she should have everything in an irrevocable trust to pass on her fortune without estate taxes. But I don’t understand why her lawyer wouldn’t have suggested this? After all this lawyer also creates trusts for people.
I should point out this is maybe the third or fourth estate lawyer she’s had. The previous one charged about $10,000 for a one hour meeting to generate a will that was riddled with errors, had other client’s names in it, didn’t capture my mom’s wishes, etc.
Estate Planning:
Since her CPA retired, I’ve started helping her do her taxes.
She could be reducing her tax burden through charitable donations (she has a list of about $200,000 in donations she wants to make when she dies, which we could start chipping away at now), and through 529 contributions to my sister’s children, since she lives in a state where that would be tax deductible.
Why was no one - CPA, lawyer - suggesting these things to her?
She lives in a state with a $4mil estate tax floor. Why did her estate lawyer not suggest she get her assets below that ASAP / ever?
I’ve worked through some tools like ProjectionLab, and she needs to start giving away more soon or she may quickly be above the Federal estate tax level. I’ve modeled several scenarios, trying to have her die at 105 with as close to zero as possible, and she’ll have to be VERY generous to make that happen.

With everything I’ve been seeing lately regarding Gen 5/2 remakes, Legends ZA, Gen 10 and Nintendos next gen consoles, I’ve been trying to think of what they could do and will do. Legends makes sense on the switch and Gen 10 makes sense on next gen consoles. So if this remake does end up being Gen 5 it seems they got pushed back when the new console did. If so it would be a genius idea to have these remakes be prequels to a Gen 10 set in a region that is sister to Gen 5. It could be a brand new region but also be black and white 3 with different names. It could follow up on N and black and white protagonist, where they ended up going. It could have new starters and box art legendaries with the third or dlc being original dragon. I think it would work smoothly because everyone says bw3 will never happen because of new generation never played the originals but releasing it in new region with new starters and legendaries right after the remakes would solve that problem. As far as the game design and mechanics go, obviously another United States setting would fit good like Florida/Georgia. I figured the gimmick could be fusion because bw2 introduced fusion and sun and moon (Hawaii/US game) also had fusion. And this is where some story comes in. What if there are the box art legendaries, then third the original dragon and the villain was Necrozma. Both the original dragon and Necrozma have to do with fusion. Maybe fusion in the game could be done by fusing ultra beast with pokemon. Just some ideas that don’t matter. As far as lay out. I’ve looked back at some of the older games and realized how open Gen 3 was. It was linear with areas that were big and open, the desert, the ocean, diving in the ocean, oras had flying around the map. Gen 4 had underground and big caves and mountains that lead in multiple directions. Scarlet and violet was to open with emptiness (I love it tho) sword and shield made the game get super slow at some points and felt like too much back track. We should keep routes but have bigger cities and open areas and fully utilize an underground map, ocean map, dive map, mountain and cave maps and skyyyyy!! All for open areas and still have our old traditional routes like maybe Gen 7/6/5 style that have all the fun land marks like wrecked ships, spooky house, a mythical shrine, giant tree or tower to climb. Of course the game should be more online than the last and I think it should run a long time with dlc every spring and summer til next Gen comes out with legends and remakes in between. I really just want original dragon and N to return and what better time then right after a remake. This will prolly never happen but it can also happen in another dimension. Sorry for my lack of ability to explain myself. I have so many more ideas but this is just a little bit of everything I’d want to see out of Gen 10. Thank you

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Rules for AmITheJerk2 Rules that visitors must follow to participate. May be used as reasons to report or ban.
Be Civil
Attack ideas, not people. The purpose of this sub is to determine and explain who is in the wrong, not to eviscerate anyone. Treat others with respect while helping them grow through outside perspectives. Derogatory or dehumanizing language, including insults, violate this rule.
This rule applies to EVERYONE, even those not on Reddit. Don't insult others or get into spats in the comments. Don't comment to remind users of the rules - use reports.
Be respectful. Be nice. Don't be an asshole.
Voting Rules Posts & Comments Upvote posts that make for an interesting discussion. DON'T downvote if you think OP is an asshole. DON'T DOWNVOTE COMMENTS YOU DISAGREE WITH. Downvotes should be reserved for off-topic discussions or spam. Report harassing comments, don’t engage.
Don't participate in threads you have found through crossposts and links outside of this subreddit. In this sub, your comment is a vote. Brigading/Vote manipulation is against Reddit site wide rules. Brigading will earn a permanent ban.
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This sub is here for the submitter to discover what everyone else thinks of the ethics or mores of a situation. It is not here to draw people into an argument you want to have, or to defend your position. If people start saying you were the asshole, do not take that as an invitation to debate them on the subject... accept the judgment and move on. If you have valid reason to think a commenter needs more information or misunderstood the facts of the conflict, you may give new information.
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Updates and META posts are restricted Posts only Posts dedicated to discussing AITA should be directed to the monthly open forum. Any META posts will be removed & may result in a ban.
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Lately in many games when I play killer I just crash when I am trying to pick a survivor off a generator. And this is very annoying because usually it’s games that are going very well for me and then when a survivor is trying to finish a generator and I grab him off it my game just crashes. Anyone else have this issue?

Missionaries to Jews and / or Messianic Jews, how would you respond to the concerns raised in the essay below?
A common interaction between Christian missionaries (who may be Messianic Jews) and non-Christian Jews often plays out as follows:
The missionary presents an aspect of Christianity, such as the idea that Jewish prophets predicted events in the Christian Bible long before the advent of Christianity. The Jewish response boils down to:

• Christianity is not for Jews.
• I was born a Jew, and I'll die a Jew.
• Go away!

On the surface, the Jewish response may seem illogical. The missionary might counter with:

• "You can believe in Christianity and still be a Jew. I myself am a Messianic Jew; I believe in Christianity and am fully Jewish. It's perfectly acceptable."
• "There are many types of Judaism, including Orthodox and Reform. What's more, most Jews are secular — they don't even follow any religion. Adopting Messianic Judaism is just embracing another form of Judaism."

While the Jewish response may appear irrational, there is a deeper context to consider. In these interactions, the Jew is often caught off-guard and may not have the time or clarity to articulate the reasons for their negative reaction toward Christianity. Their response is a cry of resistance—a cry of a people who have endured centuries of abuse and persecution.
While the phrase "thousands of years" is often used hyperbolically, in this context, it is apt. For well over a thousand years, Christians have systematically persecuted and attempted to eradicate Jews as a distinct people, often through forceful conversions to Christianity. This is an undeniable historical fact, and one that is not unique to Christians alone—Muslims have engaged in similar attempts.
Many Jews value the preservation of their people and their cultural identity. They recognize that conversion to Christianity or so-called "Messianic Judaism" poses a direct threat to the continuity of the Jewish people.
When missionaries assert that one can remain Jewish and at the same time embrace Christianity, they fail to address this fundamental concern. Their argument appears to address the issue but falls short. The Jewish concern is not merely about individual beliefs but about the survival of their people.
Christianity is a universalizing religion that aims to erase ethnic and cultural distinctions among its adherents. The well-known verse from the Christian Bible, "There is neither Jew nor Greek, there is neither slave nor free, there is no male and female, for you are all one in Christ Jesus" (Gal. 3:28), encapsulates this belief. In the Christian worldview, a person who becomes a Christian ultimately merges into the Christian community, blurring their previous ethnic and cultural identities.
Missionaries may argue that individuals can choose to maintain their Jewish identity and practices even after converting to Christianity. They might suggest that one can talk about the Holocaust, pursue intellectual pursuits, continue family traditions, eat matzo ball soup, observe halakha if one really wants to (few people really want to, but they could if they did), or remain part of a Jewish community, while also being a Christian. They might also point out that Messianic Judaism offers a community that blends Jewish traditions with Christian beliefs.
However, this response is misleading and fails to address the broader implications for the Jewish people. Christianity, by its very nature, encourages assimilation and the dissolution of ethnic distinctions, as evidenced by the quote from Galatians. Even if an individual Christian values their Jewish heritage and chooses to maintain certain Jewish practices, what about their children and future generations?
Jewish culture, rooted in non-Christian Judaism, emphasizes the importance of marrying within the faith and raising Jewish children to ensure the continuity of the Jewish people. Yet, despite this emphasis, 42% of American Jews are intermarried, and this percentage is increasing, particularly among non-Orthodox Jews—of the recently married non-Orthodox, 72% are intermarried.
Already, with a strong emphasis on maintaining Jewish identity, a significant portion of the Jewish population is lost to assimilation. If Jews were to embrace Christianity, which actively encourages assimilation, the Jewish people would rapidly disappear. The missionary argument that one can be both Christian and Jewish fails to acknowledge this very real concern.
Christian missionary efforts directed at Jews fail to address the fundamental concern of preserving the Jewish people and their distinct cultural identity. Christianity is fundamentally unable to address these concerns.

Hi Jedi Survivors ! I'm a big fan of SW and my top 5 most favourite video games in this galaxy far away are the Kotor series , Jedi Knight series, Shadows of the Empire, X-Wing Alliance and The Phantom Menace.
That being said, I really loved JFO and it rightfully earned his place among these other titles.
Respawn Entertainment did a wonderful job at making the formula even better in JS : the world is more opened, the maps are bigger, the exploration and travelling goes faster, the gameplay adds more combat diversity, and the game really looks gorgeous.
I've had a lot of fun playing this sequel, with wonderful locations to visit, epic fights, fun dialogues between the characters, in the cantina, a lot of interesting things to find without them being mandatory, which is really appreciated.
The scenery is great, the music perfectly captures the moments, and combat animations and finisher moves are really cool.
It's an epic and exciting adventure in SW.
Now the game still have some major issues that I hope will be improved in the third game.
​

1. First of all, the story : it starts really well, gets your attention and curiousness on top, makes you want to learn more about everything, but the rythm is irregular, sometimes even weird, and starts to fall apart at some point. Without entering into the details, I'd say that the story was way better, more interesting and more coherent in JFO.
   
2. My second issue with the game is that even if it's called Jedi xxx, it still doesn't feel like being a Jedi as much as in the Jedi Knight series, Kotor or TPM.
   

And that's because of two reasons :
​

• Our lightsabers, even if they improved a bit over JFO, still look like glowing sticks that we use as bats instead of being one of the deadliest combat weapon of the galaxy.

Even worst, these lightsabers, since they're not deadly laser beams that cuts through everything in the galaxy except for one very rare, limited and expensive matter, can now magically slide over all kind of surfaces in order to slow down your fall, and prevent you from dying after jumping or falling from heights, but without cutting these surfaces.
Lightsabers are supposed to cut through everything, not the other way around.
​

• We don't really act like Jedis throughout the games. By this, I mean that we're not travelling the galaxy solving conflicts and saving people everywhere we go. And, overall, when you look at it, even if he tries to do the right thing and help others, to be good, Cal mostly follows his own goals, help and try to save his friends / family instead of acting for the greater good / as a Jedi.

I would love them to improve on this side too so that we would feel more like we're helping people, and making a real impactful difference into their lives. Being a Jedi isn't just about swinging a lightsaber and killing enemies.
Also, in JFO, I loved how Cal used the Force to retrieve memories of objects. It wasn't pictured at all in JS cinematics / story except for maybe once, and I find this a bit disappointing.
To finish on this subject, I think that Cal should do more things in the Jedi way, even if there is no Jedi Order anymore.
3) And my 3rd biggest disappointment is not having at least some small turret shooting sequences.
The Mantis felt more like a character and a house in JFO, even without turret shooting, but in JS it just felt like a cinematic loader.
Star Wars is supposed to have more stuff happening in space, and it would be great if they added at least some parts of the story or small missions with fighters to shoot on from a flying ship.
Finally, it's a very good game, and the best SW video game we had since 20 years I'd say, but there is some issues to fix, storytelling to improve, and Jedi /lightsaber gameplay / feel / utilization to improve.
It makes total sense that we can't just open all doors by using the Force or cutting through them with our lightsabers. But I was more expecting to be able to cut through some doors Ep I style than to have an even more immersion-breaking reminder that the thing we're calling a lightsaber is a glowing bat with a bzzz sound.
I hope the 3rd game will improve on all these, and also change we handle our lightsabers ; it would be nice to have more variety of single-handed lightsaber attacks than just attack in front / jump attack bacically, and acknowledge the 7 Forms of lightsaber combat and allow us to chose between ataru, soresu, vaapad etc.
​
​

I have been trying for some time to find a fashion school in Paris that can allow me to do the alternance as early as the first year of bachelor and not the third year. I can't find solutions because fashion schools are private and costs are very high I tried to apply for a scholarship at crous but being an Italian girl not yet resident in France I can't do it because it says I have to be resident in France for more than a year. And does anyone have any advice on how I can do it ?

Bovada Sportsbook Review 2024

Bovada History
Bovada has firmly established itself as the most popular offshore online sportsbook for players in the U.S. Bovada covers a typical range of sports. It has a top-rated reputation for paying customers out on time, and we have always found the customer service at Bovada to be responsive and has multiple ways of staying in contact with a customer.
Bovada was initially part of the Bodog, the brand launched by entrepreneur Calvin Ayre in 2000. Bovada is the U.S. sports betting app, If you are looking for a sports betting sites in Canada Bodog is available today.
Customer Service
The customer service team works 24/7, 365 days a year. Bovada’s customer service team tends to be active across the web’s sports betting and gambling forums. There is chat, email and of course phone options for getting in touch with Bovada. If you are on X then there is a Bovada handle to follow.
Is Bovada safe? The site uses SSL encryption software to keep the connection secure. Bovada has been in business for over 20 years. If it was one of those rip off sites, then it would have gone out of business a long time ago. The team at Bovada has made it a premier offshore site and a large part of the credit goes to the responsive nature of the customer service department.
Website Experience
The Bovada site has all of the sports betting wagers than a US customer would expect. Ease of navigation, betting menu and overall aesthetics. It is easy to browse and the various sports and markets are laid out in an obvious manner. The site is devoid of unnecessary clutter.
The menu at the top of the homepage allows you to choose from the most popular sports, including football, basketball, soccer, and hockey. There are also icons that take you straight through to the live betting section and to a list of all the sports covered. A Quick Links section to the left of the sports betting homepage also alerts you to big sporting events that are about to take place, while you will see the most important upcoming ball games listed in the middle of the page. You can switch from American odds to fractional or decimal odds.
Sports Betting Experience
Bovada offers a wide range of betting options for anyone that likes to bet on sports. All of the major sports are covered, football, basketball, baseball, hockey, soccer, tennis, golf, boxing, and UFC. They also offer smaller markets like, table tennis, badminton, winter sports, and Aussie rules. European sports like darts, snooker, cricket, rugby league, and rugby union will see them covered at Bovada.
As a US focused site, the United States customer will see their favorite sports offered with a large number of bets available. NFL, NBA, MLB and NHL fans will find betting options to choose from on each game. You will often find more than 100 different bet types on offer when you click on an NFL game. The odds include, spread, totals, and win as would be expected. However, Bovada provides fans with alternative spreads and props as well. Yes, Bovada offers same game parlays just like Fanduel and Draftkings do. If you are currently wagering at one of these books then it is worth taking a look at Bovada to see if your bet has a better return at Bovada. Why make an SGP bet for +800 when Bovada is offering +950?
What about European sports? Bovada offers more than 100 betting odds on a big Premier League or La Liga game. Popular betting options such as draw no bet, correct score, and half-time/full-time betting to corners, goal props, and more.
There is also a politics betting section at Bovada. If you want to bet on politics in the US, you must use an offshore site. Political wagers are banned at Draftkings, Fanduel, BetMGM, Caesars and all US located betting sites. It is against Federal law for any betting site located in the United States to offer bets on politics.
Betting Menu Odds
Bovada generally offers everything you would expect from Draftkings or Fanduel. In fact, when Draftkings & Fanduel first started out, they were just clones of Bovada.
Mobile Betting App Review
The Bovada betting app is a browser extension. Bovada offers a mobile betting interface with all of the qualities of an app but with one big difference. An app from the Google or Apple app store would also include a lot of spywares. Your every movement would be tracked. This is how BetMGM and Caesars apps operate. They have access to all of your phone calls and text messages on your app. Bovada doesn't operate like this. There is fare more personal privacy with using a browser extension than using an Apple spyware app.
Casino, Poker, and Other Gaming Options
The Bovada site includes sports, online casino, live dealer, poker, and horses. The online casino at Bovada is one of the largest casinos in the world and will satisfy 95% of online casino customers. Casino games including blackjack, table games, slots, and specialty games. The casino section displays a collection of featured games when you arrive, made up of classic slots, popular table games, and Bovada is constantly adding new games to satisfy the US gaming market. The video poker has 17 different game options such as; Deuces Wild, Joker Poker 52 Hands, and Double Double Bonus Poker. There is also a large variety of live dealer games.
Reputation
Is Bovada legit? The site has been around since 2000. It is not one of those betting sites that comes and goes in a couple of years. Bovada has been around for over 20 years because of customer loyalty. The customers know that the Bovada motto, "never missed a payout" is vital to staying in business. Bovada has also stayed in business this long by evolving to meet the changing desires of the US betting market. When customers want a new type of bet or a new casino game. Bovada responds.
Bovada Pros

• Generous welcome bonuses for crypto
• Excellent referral bonus
• Bonuses are credited instantly
• Easy to claim and use the bonuses
• Large betting menu
• Rewards points can be exchanged for cash bonuses
• Support for multiple languages, including English, Spanish and Portuguese

Bovada Cons

• The non crypto bonus for sports maxes out at $250
• While Bovada operates in 46 states, it does not take bets in DE, MD, NJ, NV.

Bonus Codes
Bovada Casino Bonus Codes & Free Spins

• CAWELCOME — First-time players can get a 100% match deposit bonus (up to $1,000)
• BV2NDCWB — Earn a 100% match deposit bonus (up to $1,000) on your second and third deposits
• BVCBITCOIN150 — Bitcoin users will receive a 150% first-time deposit bonus (up to $1,500)
• BVCBITCOIN150 — Get a bonus (150% up to $1,500) on your second and third Bitcoin deposits
• BIGLEAGUES - No deposit bonus code, you get 25 free spins on the slot game 777 Deluxe

Sports Bonus

• BVD1000 Sports Betting Bonus of 50% on 1st deposit up to $1,000
• BTCSWB750 – Sports betting bonus code for deposit with Crypto. Get 75% match bonus up to $750, valid with a Bitcoin, Litecoin, Bitcoin Cash or Bitcoin SV Deposit. Rollover is 5X Sports

Poker Bonus

• PWB500 — poker players get a 100% match deposit bonus up to $500 on their first deposit

Using Crypto
Bovada offers better bonuses and quicker withdrawal times if you use crypto. If you are new to crypto and need a guide to getting started. Bovada offers an online video series on how to setup a crypto wallet. Purchase crypto and how to deposit & withdraw from Bovada.
See videos on how to setup a crypto wallet and make your deposit.
Video – How to Get Started Using Crypto
New To Crypto?
Registration Screen
This will be your first step to opening an account with Bovada
You will need to provide the following:

1. Your First and Last Name
2. Your Date of Birth
3. A mobile number for verification
4. An email address for promotions and verification
5. Preferred currency. You do NOT need to make all withdrawals & deposits with the choice.
6. Your Zip Code. Bovada does not accept bets in: Nevada, New Jersey, New York, Maryland, or Delaware.
7. Click on verification text or email. Bovada Registration Screen. This will be your first step to opening an account with Bovada. You will need to provide the following. Your First and Last Name Your Date of Birth A mobile number for verification An email address for promotions and verification Preferred currency. You do NOT need to make all withdrawals & deposits with the choice. Your Zip Code. Bovada does not accept bets in : Nevada, New Jersey, New York, Maryland, or Delaware. Click on verification text or email.

Making a Deposit

1. Login into your Bovada account
2. In the upper right will be an account icon
3. Your account deposit / withdraw screens & available bonuses are here
4. Choose deposit
5. Choose deposit type
6. Choose deposit amount
7. Choose your bonus (if you want to search your bonuses, click here before choosing type & amount)
8. After making a deposit a verification screen with reference number will show
9. Once a deposit is confirmed, you are ready to start gambling. Making a Deposit at Bovada Login into your Bovada account In the upper right will be an account icon Your account deposit / withdraw screens & available bonuses are here Choose deposit Choose deposit type Choose deposit amount Choose your bonus (if you want to search your bonuses, click here before choosing type & amount) After making a deposit a verification screen with reference number will show Once a deposit is confirmed, you are ready to start gambling

Choose Your Bonus
Scroll down to choose your bonus before deciding what amount you will deposit. There may be additional bonus offers available that are better than the one you were going to use.Choose Your BonusScroll down to choose your bonus before deciding what amount you will deposit. There may be additional bonus offers available that are better than the one you were going to use.
Bonus Screen
The "Choose Your Bonus" Screen
If you click on this, every bonus that you are currently eligible for will show. This is not just for new customer's initial deposit. This is the screen that will have all bonuses, including retention bonuses.
The Bonuses will have important information on them.

1. Type of currency
2. Type of game the bonus can be used on
3. The amount of the bonus
4. The minimum and maximum deposit
5. The rollover requirements if you choose this bonus. Bovada Bonus Screen. The "Choose Your Bonus" Screen If you click on this, every bonus that you are currently eligible for will show. This is not just for new customer's initial deposit. This is the screen that will have all bonuses, including retention bonuses. The Bonuses will have important information on them. Type of currency Type of game the bonus can be used on The amount of the bonus The minimum and maximum deposit The rollover requirements if you choose this bonus

Deposit Verification
Once you have chosen a bonus type and made a deposit. You will receive confirmation of your deposit. If you think there is a mistake. Contact customer service immediately so it can be corrected.Bovada Deposit VerificationOnce you have chosen a bonus type and made a deposit. You will receive confirmation of your deposit. If you think there is a mistake. Contact customer service immediately so it can be corrected.

What are the deposit limits?

Limits are based on the deposit method chosen. Please refer to the chart below, the limits indicated are on a per transaction basis:
Method Minimum Maximum
Visa/MasterCard * $20 / $1,500
BTC, BCH, BSV, LTC * $10 / $5,000
ETH * $50 / $5,000
Player Transfer * $10 / $15,000
Direct Bank Transfer * $50 / $450
MatchPay * $20 / $1,000
USDT * $5 / $5,000
\Deposit limits may differ per account; please check your limits in the cashier page for more information*
\*Amounts are in USD market equivalent; however, as these can fluctuate - Litecoin (LTC) and Ethereum (ETH) deposits of less than 0.01 LTC/ETH or Bitcoin (BTC) deposits of less than 0.0002 BTC will not be honored.* What are the deposit limits?Limits are based on the deposit method chosen. Please refer to the chart below, the limits indicated are on a per transaction basis:

Making a Withdrawal at Bovada

Once you have chosen the type. The next step is to choose the amount.
After selecting Request Withdrawal - below a "Reference Number" will be generated. If you have any questions about your withdrawal. Contact customer service and provide this number as verification for your withdrawal.
Before you withdraw, take note of the following:

• The amount of your withdrawal request is deducted from your account balance immediately for the review stage.
• Withdrawals are processed on a first-come, first served basis and take approximately 24-48 hours to be reviewed. With Bitcoin, Player Transfer and Voucher takes about 24 hours for approval.
• Delivery time frames vary depending on your method of withdrawal and can be viewed on the withdrawal screen for each method.
• We're unable to ship a check by courier withdrawal to a P.O. Box or military address. Double check your address on file to avoid any delivery delays.
• A $100 processing fee will be charged for each Check by Courier withdrawal request.
• Checks requests exceeding $3,000 will be sent incrementally every 7 days until you are fully paid out.
• Cryptocurrency (BTC/BCH) requests exceeding $9,500 will be sent incrementally every 3 days until you are fully paid out.
• Should you lose or misplace your check, a STOP PAYMENT fee of $40 may be charged before the funds are returned your account. Deposit your check as soon as possible as it may become non-cashable after a period of time. The STOP PAYMENT option is unavailable on checks older than 6 months.
• Withdrawals via Bitcoin will not be processed until all deposit transactions have been confirmed.

When will I receive my withdrawal?
When you request a withdrawal, the funds are deducted from your account immediately.
All requests are then reviewed, in the order in which they are received and the timeframe depends on the type of request you submit.
Once approved, delivery times may vary from one withdrawal method to another. Check the estimated time frame by clicking the method on the cashier page.
If you’re looking for the fastest payout, we recommend using our cryptocurrency methods. Once requested, it'll take about 24 hours for approval. Compare the time frames below:

• Bitcoin: Up to 24 hours from when your funds are approved.
• Bitcoin Cash, Bitcoin SV, Ethereum, USD Tether and Litecoin: Up to 1 hour from when your funds are approved.
• Check by Courier: Approximately 10-15 Business Days via courier once your withdrawal is approved within 24-48 hours.
• Bank Wire: Once your request is approved within the mentioned timeframe, it takes approximately 10-15 business days to reflect on your bank statement.

Understanding the Rollover
If you do not understand what a rollover requirement is then please take the time to read.
What is rollover?
Rollover, or playthrough, is the total monetary amount of bets (aka handle) you need to place in order to cash out your bonus along with any winnings attached to that bonus. When it comes to Rollover, your wins and losses don’t matter, each qualifying bet contributes to handle, and the Rollover required.
Sportsbook Details:
Meeting Rollover in our Sportsbook is a tad different. For winning wagers we’ll credit the lesser of the risk amount or win amount. If your bet loses, your risk amount contributes toward Rollover no matter what. However, bets graded 'No Action', a tie or Pushed bet, along with canceled or voided bets, do not contribute in any way to the playthrough requirements of a bonus.
Casino Details:
There are also some games in the Casino that contribute differently to your requirement.
For full bonus details, including the Playthrough Requirement for your bonus, click the drop-down menu or Bonus Description.
If the bonus you’ve claimed is a Deposit Match, the requirement is a multiplier of the Bonus + The Deposit Amount:
Ex. Deposit $100 + $100 Bonus = $200 X Rollover Multiplier (Varies by Bonus)
Biggest Complaint at Bovada is the Roll over If you do not understand what a rollover requirement is then please take the time to read.What is rollover?Rollover, or play through, is the total monetary amount of bets (aka handle) you need to place in order to cash out your bonus along with any winnings attached to that bonus. When it comes to Rollover, your wins and losses don’t matter, each qualifying bet contributes to handle and the Rollover required.Sportsbook Details: Meeting Rollover in our Sportsbook is a tad different. For winning wagers we’ll credit the lesser of the risk amount or win amount. If your bet loses, your risk amount contributes toward Rollover no matter what. However, bets graded 'No Action', a tie or Pushed bet, along with canceled or voided bets, do not contribute in any way to the play through requirements of a bonus. Casino Details: There are also some games in the Casino that contribute differently to your requirement. For full bonus details, including the Play through Requirement for your bonus, click the drop-down menu or Bonus Description. If the bonus you’ve claimed is a Deposit Match, the requirement is a multiplier of the Bonus + The Deposit Amount:Ex. Deposit $100 + $100 Bonus = $200 X Rollover Multiplier (Varies by Bonus)
Current Bonus Codes
Bovada Casino Bonus Codes & Free Spins

• CAWELCOME — First-time players can get a 100% match deposit bonus (up to $1,000)
• BV2NDCWB — Earn a 100% match deposit bonus (up to $1,000) on your second and third deposits
• BVCBITCOIN150 — Bitcoin users will receive a 150% first-time deposit bonus (up to $1,500)
• BVCBITCOIN150 — Get a bonus (150% up to $1,500) on your second and third Bitcoin deposits
• BIGLEAGUES - No deposit bonus code, you get 25 free spins on the slot game 777 Deluxe

Bovada Sports Betting Bonus Codes

• BVD1000 Sports Betting Bonus of 50% on 1st deposit up to $1,000
• BTCSWB750 – Sports betting bonus code for deposit with Crypto. Get 75% match bonus up to $750, valid with a Bitcoin, Litecoin, Bitcoin Cash or Bitcoin SV Deposit. Rollover is 5X Sports

Bovada Poker Bonus Codes

• PWB500 — poker players get a 100% match deposit bonus up to $500 on their first deposit

Hi everyone, I am a research librarian at Northeastern and I want to advertise three co-ops at the library which are still looking for the right candidates. All three are full-time fall co-ops (July to December) which have a different mix of communication skills and technology skills required.
ID 110579 - mostly communications, learn about geospatial data
This is a co-op position supporting geospatial research at NU, for which the most important qualifications are outstanding outreach and writing skills, as this co-op will play a pivotal role in coordinating future events, including GIS Day, and conducting outreach for our planned centralized GIS system. No prior experience with geospatial data is required, as there will be opportunities for training as part of the position.
I think the right folks for this position have been overlooking the ad because they assume they'd need data and GIS skills for it, but in fact you don't even need to know what GIS stands for. (It's "Geographic Information System" -- basically, digital mapping.) As an example project for the kind of work this program does, take a look at The Fugitive Barbados Mapping Project: that was done by a history student with no prior background in GIS, taught by my colleague. So please don't be scared off by the job title, and give it a look! You can also reach out to Bahare Sanaie-Movahed at [b.sanaiemovahed@northeastern.edu](mailto:b.sanaiemovahed@northeastern.edu) if you have any questions.
ID 110593 - mix of communications and digital research tools
Works at the intersection of the library’s Boston Research Center and University Archives and Special Collections to develop public histories and programming using data and archival research.
Projects may include support for the 115th anniversary of co-operative education at Northeastern, digital exhibit curation, physical exhibit curation, support for resource center and student group programming on campus, and social media campaigns. This co-op offers an opportunity to refine and improve their research and communication skills while learning how to use information organization platforms and digital scholarship tools. Work will also include day-to-day collections research, reference, and instruction support.
ID 110512 - for someone who can already code
The Digital Scholarship Group in the Northeastern University Library (https://dsg.northeastern.edu) invites applications for a coop position as DSG Lab Developer. This position will work closely with the DSG Data Engineer and other DSG staff on the development of an initial version of the DSG Data Lab. The Data Lab is planned as an online platform to showcase complex data generated by DSG’s projects and collaborations, through a variety of different visualizations. The DSG works with a wide range of faculty and staff on research and teaching projects focused on using digital tools and methods in humanities research, so these projects generate complex data that poses innovative challenges for visualization. This position will run from July through December, 2024.
Responsibilities and tasks will include developing the interface and user experience for the Lab, assisting with data transformation and data pipelines, and developing prototype visualizations based on DSG data sets. Our initial focus is on a data set based on archival records from the Massachusetts Historical Society, but time permitting we may also work with data from other DSG projects. Essential skills include:

• Front-end development skills and experience (Javascript, HTML, CSS, React)
• Experience with data analysis and visualization
• Experience with interface and user experience design
• Experience working with version control and collaborative development tools such as GitHub

To learn more about any of these jobs or to apply, please look them up in NUWorks with their job IDs! I can also try to answer questions here if you have any.

"...미친 건가?"

• "...Are you crazy?"

"...화산파?"

• "...Mount Hua Sect?"

"아니, 요즘 애새끼들은 다들 예의를 밥 말아 처먹었나?"

• "Seriously, have kids these days completely lost their manners?"

"귀이하는 누구시오오~?!"

• "Who are you to ask?!"

"남의 이름 묻기 전에 자기 이름부터 밝히는 건 기본 중의 기본 아니야?! 참 나~ 기가 차서!"

• "Isn't it basic courtesy to introduce yourself before asking someone else's name?! Geez, I'm speechless!"

"아하하하! 아이고! 얘가 많이 취해서요! 죄송합니다! 죄송합니다!"

• "Hahaha! Oh no! He's really drunk! Sorry! Sorry!"

"자아, 들어가자 어서!"

• "Alright, let's go in!"

"청명아...! 움직지!"

• "Cheongmyeong...! Don't move!"

"청명...?"

• "Cheongmyeong...?"

"지금 그자가 그 화산신룡 청명이라는 말이오?"

• "Are you saying that person is the Mount Hua Dragon, Cheongmyeong?"

"...응? 화산신룡?"

• "...Huh? Mount Hua Dragon?"

"저 사람이...?"

• "That person is...?"

"아이! 봐 봐! 제가 나 부르잖아!"

• "Hey! Look! He's calling me!"

"아니야, 아무도 안 불렀어!"

• "No, no one called you!"

"잘못 들은 거다! 일단 들어가자, 청명아!"

• "You misheard! Let's go in for now, Cheongmyeong!"

"지금 불렀다니까, 그러네!"

• "I just called you, so come here!"

"자, 여기 나 다시 왔다."

• "Alright, I'm back here."

"왜?"

• "Why?"

"...방금은 실례했소."

• "...I apologize for earlier."

"나는 사천당가의 당잔이라고 하오."

• "I am the Tang Clan's Dangjan from Sichuan."

"당가?"

• "Tang Clan?"

"사천의 그 당가?"

• "The Tang Clan from Sichuan?"

"아니... 내가 아는 당가는 그래도 배운 놈들인데?"

• "No... The Tang Clan I know are at least educated people."

"배울 만큼 배운 놈들이 이 야밤에 쳐들어와서는 사람을 내놓으라 난리를 친다고?"

• "Are you telling me that well-educated people would come in the middle of the night causing a ruckus demanding someone be handed over?"

"에라이~!!"

• "You bastard~!!"

"내가 아는 당가는 싹 다 뒤지고 그새 다른 당 씨 놈들로 갈아 치웠다!"

• "The Tang Clan I know would have searched everywhere and replaced all the Tang members with new ones!"

"주둥이!!"

• "Shut your mouth!!"

"...실례가 많았습니다."

• "...I apologize for the rudeness."

"요놈의 주둥이! 주둥이!"

• "This brat's mouth! Mouth!"

"암! 암!"

• "Yes! Yes!"

"화산의 백천이라 합니다."

• "He is called Baekcheon of Mount Hua."

"백천...?"

• "Baekcheon...?"

"화정검이시오? 그렇다면 귀하께서 그 무당의 검룡을 꺾은 바로 그 사람이시군요."

• "The Huajong Sword? Then you must be the one who defeated the Sword Dragon of Wudang."

"과분하지만 그런 별호로 불리고 있습니다."

• "It's too much, but I am called by that nickname."

"드디어 말이 통할만한 사람이 나섰군..."

• "Finally, someone who can talk sense has stepped forward..."

"이미 뒤에서 다 들으셨을 테니, 번거롭게 긴 말 다시 하지 않겠습니다."

• "You've already heard everything from the back, so I won't bother repeating it."

"조 공자와 당가는 얽힌 것이 많습니다."

• "There are many entanglements between Sir Cho and the Tang Clan."

"그렇기에 저는 조 공자께서 화산에서 무엇을 얻으셨는지 오늘 이 자리에서 확인해 보고자 하는 것일 뿐."

• "Therefore, I just want to confirm what you gained from Mount Hua here today."

"조 공자를 데려와 주시지요."

• "Please bring Sir Cho here."

"제가 원하는 것은 그것뿐입니다."

• "That's all I want."

"황가가 아님에도 왕과 같은 권한을 행사하려는 저 모습... 이 성도 내에서 사천당가가 왕처럼 군림한다는 말이 사실이었나 보군."

• "Trying to exercise king-like authority despite not being royalty... It seems the rumor that the Tang Clan rules like kings within this city is true."

"어설프게 회피하려 들다가는 조경지 간령이 그 대가를 치를 가능성이 높다."

• "If you try to evade clumsily, Jo Kyung-ji will likely pay the price."

"그렇다면..."

• "In that case..."

"사숙. 제가 나가겠습니다."

• "Elder. I'll go."

"...걸아, 이게 대체..."

• "...Brother, what on earth..."

"...이게 대체 무슨 일이냐?"

• "...What on earth is happening?"

"나는 이해가 안 간다."

• "I don't understand."

"...화산의 명성이 높아졌기 때문에 벌어진 일입니다."

• "...This happened because the fame of Mount Hua has risen."

"저들은 성도의 유력가들이 당가의 지배를 벗어나길 원하지 않습니다."

• "They don't want the influential families of the city to escape the control of the Tang Clan."

"저를 내버려 둔다면 다른 유력가의 자제도 외지의 명문파로 갈 수 있다는 것을 알기에 이런 방식으로 제게 망신을 주어 애초에 싹을 잘라버리려는 것이죠."

• "They know that if they let me go, other children of influential families might also go to prestigious sects elsewhere, so they are trying to disgrace me and cut off the problem at the root."

"...허? 그게 말이야 되는 소리냐?"

• "...Huh? Does that even make sense?"

"...이게 이곳 사천 성도를 살아가는 이들의 방식입니다."

• "...This is how people live in this Sichuan city."

"그리고 사천을 지배한 당가의 방식이죠."

• "And this is the way the Tang Clan has ruled Sichuan."

"여기서 화산이 끼어들면 일이 더 복잡해질 겁니다."

• "If Mount Hua gets involved here, things will get more complicated."

"이 일은 제게 맡겨 주십시오."

• "Please leave this matter to me."

"...알겠다. 잠시 기다리거라."

• "...Alright. Wait for a moment."

"...사숙?"

• "...Elder?"

Here is the translation of the text in the tenth image:
"제 사질을 어찌 검증하겠다는 것인지 들어보고 싶군요."

• "I'd like to hear how you plan to verify my disciple's identity."

"...?!"

• "...?!"

"하하, 뻔한 것을 물으십니다."

• "Haha, you're asking something obvious."

"무인이 무인을 검증하는 방법이 다를 또 있겠습니까? 직접 손을 섞어 보면 알 일이죠."

• "Is there any other way for a martial artist to verify another martial artist? We'll know once we cross hands."

"그러니까, 사해상회의 이 공자이자 화산의 삼대 제자인 조경의 실력을 검증하고 그 결과를 성도에 공표하고 싶으니 조경을 내어 놓으라... 이 말씀이지요?"

• "So, you want to verify the skills of Jo Kyung, the prince of the Merchant Guild and a third-generation disciple of Mount Hua, and announce the results to the city, so you're asking to bring out Jo Kyung... Is that what you're saying?"
  "이건 사천당가의 행사입니다."
  
• "This is a Tang Clan event."
  

"방해는 용납하지 않겠습니다."

• "We will not tolerate any interference."

"물론입니다."

• "Of course."

"저희 화산은 사천당가의 행사를 방해할 생각이 추호도 없습니다."

• "We at Mount Hua have no intention of interfering with the Tang Clan's event."

"다만... 문제가 조금 있는데,"

• "However... there is a slight problem,"

"문제?"

• "Problem?"

"일을 방해할 생각은 없지만, 지금 이곳에 있는 이들이 조경을 인증하겠다는 말이 아닙니까?"

• "We don't intend to interfere, but are you saying that those present here will verify Jo Kyung?"

"...그게 왜 문제가 됩니까?"

• "...Why is that a problem?"

"...그 실력으로 말입니까?"

• "...With that level of skill?"

"...뭐?"

• "...What?"

"감히 화산의 삼대 제자를 검증하겠다고 나서시니,"

• "You dare to claim that you will verify the skills of a third-generation disciple of Mount Hua,"

"이쪽도 그에 걸맞은 대접을 해 드려야죠."

• "We should give you the appropriate reception."

"오십시오, 먼저 그쪽의 실력을 내가 검증해 드릴 테니."

• "Come on, I will first verify your skills."

"그러지 않겠다면, 내 사질에게는 손가락 하나 댈 수 없소."

• "If you refuse, you will not be able to lay a finger on my disciple."

"이건 화산의 행사요."

• "This is a Mount Hua event."

"방해는 용납하지 않겠소."

• "I will not tolerate any interference."

"사숙...!"

• "Elder...!"

"ㅋㅋㅋ"

• "Hehe."

"사고 치지 말라면서 자기가 사고를 치네."

• "You tell others not to cause trouble, yet you are causing trouble yourself."

"문파 꼴 잘~ 돌아간다."

• "What a well-functioning sect."

"화산 놈들은 단체로 머리가 돌아버리기라도 한 건가?"

• "Have all the Mount Hua guys gone mad together?"

"화산이 당가를 아주 졸로 본다는 뜻이로구나."

• "It means Mount Hua looks down on the Tang Clan."

"화산은 대단한 문파인 모양입니다."

• "Mount Hua seems to be an impressive sect."

"제자 하나를 보호하기 위해서 감히 당가의 앞을 막아서다니."

• "To dare to block the Tang Clan just to protect one disciple."

"이 일을 정녕 감당할 수 있다는 말이겠지요?"

• "Are you saying you can truly handle this matter?"

"화산은 문파의 제자를 보호함에 있어서 계산 따위는 하지 않습니다. 가장 우선시해야 할 것임이 명확하니 말이지요."

• "Mount Hua does not calculate when it comes to protecting its disciples. It is clear what must be prioritized."

"당가는 그렇지 않은 모양이지만."

• "It seems the Tang Clan is not the same."

"그리고 그럴 리도 없겠지만, 설사 이 일이 화근이 되어 화산이 멸문한다고 해도 화산의 제자 중 누구도 저를 탓하지 않을 겁니다."

• "And even though it is unlikely, even if this matter causes Mount Hua's downfall, none of Mount Hua's disciples will blame me."

"그게 화산입니다."

• "That is Mount Hua."

"...원망할 건데요?"

• "...I would blame you?"

"할 겁니다."

• "They will."

"ㅋㅋㅋ 혼자 너무 나간다"

• "Haha, you're going too far alone."

"아아~ ㅋㅋㅋㅋ 저 망할 놈들은 이럴 때까지 주둥아리를 못 닫아서..."

• "Ahh~ Haha, those damned bastards can't keep their mouths shut even now..."

"...근데 말이야... 왜 사숙이 싸워? 응...?"

• "...But seriously... Why is the elder fighting? Hmm...?"

"아까부터 자꾸 사숙이 나서는데 이건 조걸 사형의 일이잖아?"

• "You've been stepping in since earlier, but isn't this Senior Brother Jogal's matter?"

"사숙이 그런 쪽으로 욕심이 있다는 건 잘 알겠고, 충분히 멋졌으니까 이제 조걸 사형도 뽐낼 기회를 줘야지?"

• "We know Elder has ambitions in that direction, and you've shown off enough, so shouldn't Senior Brother Jogal get a chance to shine?"

"간만에 부모님도 만났는데. 저놈은 대체 당가를 뭐라고 생각하는 거지?"

• "It's been a while since I met my parents. What on earth does that guy think of the Tang Clan?"

"독과 암기로 유명한 당가를 상대로는 노련한 고수들도 고전을 치른다. 아주 작은 실수만으로 목숨이 위태로울 정도로 그들의 무공은 위험하니까."

• "Even experienced masters struggle against the Tang Clan, known for their poisons and hidden weapons. Their martial arts are so dangerous that a very small mistake could be fatal."

"그런 싸움에 실전 경험도 적은 조걸이를 내보내자고?"

• "You want to send Jogal, who has little real combat experience, into such a fight?"

"...너무 위험하지 않겠느냐?"

• "...Wouldn't that be too dangerous?"

"괜찮아~ 괜찮아! 범은 자기 새끼를 절벽에서 떨어뜨려 키운다고 했어."

• "It's fine~ It's fine! They say a tiger raises its cubs by throwing them off a cliff."

"이래서 윗사람들이란."

• "That's why those in higher positions are like that."

"촌에서 깨달았지. 누군가를 아끼고 감싸는 게 반드시 도움이 되는 건 아니라는 걸."

• "I realized in the village that coddling and protecting someone isn't always helpful."

"후인을 아낀다는 이유로 모든 일을 대신 해치워 버린다면 그들의 경험과 기회를 앗아가는 거나 마찬가지니까."

• "If you do everything for them under the pretense of protecting them, you're robbing them of their experience and opportunities."

"사숙은 조걸 사형이 그렇게 약해 보여?"

• "Does Elder think Senior Brother Jogal looks that weak?"

"절대 안 저. 적어도 저런 애들한테는."

• "Absolutely not. At least not to those guys."

"조걸에 대한 확연한 믿음... 확실히 나는... 조걸을 향한 막연한 불신이 있었을지도..."

• "A clear belief in Jogal... I definitely... might have had some vague distrust towards Jogal..."

"지면 안 되지!"

• "I can't lose!"

"내가 어떻게 굴렸는데!"

• "After how hard I trained him!"

"뒷말만 안 붙였어도 살짝 감동할 뻔했다."

• "If he hadn't added that last part, I might have been a bit moved."

"안 그래 사형?"

• "Isn't that right, Senior Brother?"

"청명..."

• "Cheongmyeong..."

"저놈이 나서준다면 분명 이 일도 쉽게 해결될지도 모른다."

• "If that guy steps in, this matter might be resolved easily."

"끝난다고~"

• "It will end~"

"하지만 언제까지...?"

• "But until when...?"

"언제까지 저놈의 등에 숨어 모든 일이 쉽게 해결되기만을 바랄 수만은 없잖아..."

• "You can't just hope for everything to be easily resolved by hiding behind that guy forever..."

"녀석의 짐이 되고 싶은 생각은 추호도 없다."

• "I don't want to be a burden to him at all."

"애초에 그걸 생각이었다면 이번 문방행에 따라나서지도 않았을 거야."

• "If I had thought that way from the beginning, I wouldn't have joined this expedition."

"당장 너석과 대등할 수 없다는 건 알고 있다."

• "I know I can't match you right now."

"하지만 적어도 도움이 되고 싶다."

• "But I want to be helpful at least."

"정하다니까."

• "I've decided."

"진다."

• "I'll fight."

"지지 않는다."

• "I won't lose."

"이건 그런 문제가 아니야."

• "This isn't that kind of problem."

"나와 사천당가 사이의 문제이니 내가 해결해야 할 뿐."

• "This is a problem between me and the Tang Clan, so I have to solve it."

"그뿐이다."

• "That's all."

"사숙."

• "Elder."

"사숙의 뜻은 잘 알고 있습니다."

• "I understand your intentions well, Elder."

"하지만 이건 제가 해결해야 할 일입니다."

• "But this is something I must resolve."

"...걸아."

• "...Brother."

"... 할 수 있겠느냐?"

• "... Can you do it?"

"저도 화산의 제자입니다."

• "I am also a disciple of Mount Hua."

"예!"

• "Yes!"

"... 그러니까 도리에 맞게 내가 앞에 나서야 하지 않겠소."

• "... Therefore, it is only right that I step forward."

"...감히..."

• "...How dare you..."

"저, 저건... 녹피 장갑!!"

• "That's... the Green Leather Gloves!!"

"저 장갑을 낀다는 것은 독을 쓰겠다는 신호이자 비무에 자비가 없을 것이라는 예고...!!"

• "Wearing those gloves is a signal that he will use poison and a warning that there will be no mercy in the fight...!!"

"안 돼, 말려야 한다...!! 걸이가 위험해!!"

• "No, I must stop this...!! Brother is in danger!!"

"다, 당 소협... 이 일은 아버지!"

• "S, Sir Tang... this matter is... Father!"

"...걸아...?"

• "...Brother...?"

"이건 사형님의 일이기도 하지만 화산의 일이기도 합니다."

• "This is not only Senior Brother's matter but also Mount Hua's matter."

"저를 믿고... 기다려주십시오."

• "Please trust me... and wait."

"...사천당가."

• "...The Tang Clan."

"한때 내게 당가의 이름은 두려움과 공포의 상징이자, 극복할 수 없는 벽과도 같았다."

• "At one time, the name of the Tang Clan was a symbol of fear and terror to me, like an insurmountable wall."

"성도 상가의 자제로 태어나 어린 순간부터 언제나 머리 위에 존재했던 전형(典型)처럼."

• "Since I was born as a child of the noble families of Sichuan, the Tang Clan has always loomed over me like a stereotype."

"하지만 지금은 다르지. 화산에서 무엇을 얻어 왔는가? 너무 많아서 입으로는 설명할 수 없어."

• "But now it's different. What have I gained from Mount Hua? It's too much to explain with words."

"그러니 이 검으로 보여줄 수밖에."

• "So I have no choice but to show you with this sword."

This CT creates 7 different personalities that all possess a signature ability of their own.
The 7 Wills:
The Cackling Devil
The Drought
The Dusk-Destroyer
The Eradicator
The Crimson Reaper
The Remorseless
The Cyber Killer
The Drought: A tall, muscular woman with long dark green hair and deep black eyes. She has gills on her chest and webbed hands and feet that help with her natural ability to swim. The Drought is a resentful woman that has trust issues with people and has problems with connecting with others, making her a lone wolf that only cares for her own well-being. Her CT allows her to generate and control an endless amount of water that can be so powerful it could drown whole cities in due time. The water she generates is infected with special bacteria that causes any Non-Sorcerers to turn into soldiers called "Necrolantians", which have the ability to shape-shift and have super strength and speed. She also has a black trident that augments her control over the water and she can use it to forcibly convert Sorcerers into one of her Necrolantians by killing them with the trident.
The Dusk-Destroyer: A man with short, spikey grey hair and dark blue eyes. He wears a black jumpsuit with a green cloak covering his body and green shoes. Dusk Destroyer is a massive grudge holder. He hates having things done to him without him getting a chance to return the favor, which often leads to random outbursts of rage and him getting a boost in power from it. His CT allows him to take his CE and shape it into whatever construct he wants or shoot it out in pure beams of power. Also, DD's CE can corrupt people and cause them to rampage until they're knocked unconscious.
The Eradicator: A slim-built man with purple eyes and black hair. He wears a black tank-top with black jeans and grey sandals. In his human form, Eradicator is the most reasonable and chatable out of the 7 Wills. He has the closest bond with the user and can become the most dangerous personality(outside of Cackling Devil) when pushed to the edge. His CT allows him to transform into a form called Armageddon, which gives him superhuman strength, speed, durability, agility, and senses. However, the main ability he gains is adaptive immortality and conversion spores. Conversion Spores are released everytime Eradicator is killed and they infiltrate the body of anyone nearby to forcefully turn them into mini-versions of his Armageddon form and have them as his personal soldiers to use in battle. Adaptive Immortality, on the other hand, activates whenever Eradicator is killed. After a set amount of time, Eradicator will come back to life, but will be immune to whatever killed him the first time and will gain a power that directly counters whatever killed him. (I.E...If he was burned to death, he comes back immune to all fire-based abilities and obtains a power that directly counters fire like water or something.)
The Crimson Reaper: A tall, lanky man with a bald head and blank eyes. He wears a skin-tight suit with a red and black color scheme and black shoes. C.R is the most uncaring out of the 7 Wills. He often makes careless mistakes on purpose and loves to toy around with his opponents before brutally murdering them. However, if there's one thing that actually makes C.R angry, it's seeing people with loving families and/or friends. Just at the sight of this will make C.R get serious and kill his opponent's instantly, but not before torturing their loved ones in front of them first. C.R's CT allows him to control the acceleration of himself and anything he's in contact with. He usually uses this to move at speeds massively faster than sound and even approaching light speeds. However, moving at light speeds does mess with his cells and causes motion sickness, so he avoids going that fast unless it's necessary. Also, C.R has access to a cursed tool called the Climate Chaos Wand, which is used to manipulate the weather in a certain area and control the temperature of anything it strikes.
The Remorseless: A giant, muscular man with long, shaggy brown hair and luminous orange eyes. He's seen wearing Spartan armor with a long red cape and golden boots. The Remorseless is a ruthless warrior that only lives for the thrill of a battle. However, R.M isn't without honor. If an opponent is wishing to fight him on different terms, even those that put him at a disadvantage, he will fight them on equal grounds as a form of respect. However, this only applies to those that have earned his respect. Those he considers weaklings will be killed instantly without hesitation. R.M's CT gives him two main abilities: God's Rage & Armory Of Ares. God's Rage allows R.M to store his rage and warrior instinct before releasing it to amplify his attacks, make himself immune to physical attacks, and lower the wills of his enemies so he can kill them easier. For every kill R.M attains, God's Rage remains active and gets stronger till he runs out of people to kill or his kill streak is interrupted by something. Armory of Ares gives R.M a pocket dimension where he has access to an endless arsenal of weapons and ammunition that he usually uses to give his allies or enemies a weapon to fight encase they're unarmed. R.M also has access to a special sword called the Deity Slayer, which is unbreakable and absorbs the CE of anyone R.M kills and transfers it to R.M to increase his natural reserves.
The Cyber Killer: A humanoid robot with two large black wings attached to its back and an overall dark blue color scheme. C.K is an apathetic being that is capable of getting any task done when ordered. It is ruthless in its kills and doesn't care about sparing the lives of anyone around them, including innocent civilians/Non-Sorcerers. Cyber Killer's CT allows it to assimilate with nearby technology and augment it to higher levels of power. For example, C.K could assimilate with a computer and gain complete access to the internet and merge its consciousness with it, causing it to know everything that has ever been connected to the internet and manipulate anything connected to the internet.
Domain Expansion: Multiverse of The Darkest Knight: An open-barrier domain that allows the user to access the final and most powerful and uncontrollable personality among the 7 Wills: The Cackling Devil or The King With The Darkest Laughs. C.D takes the appearance of a humanoid shadow with blank white eyes and sharp red teeth that are constantly grinning at whoever he's looking at. C.D embodies the concept of pure evil as he lives to see the world burn and only exists to cause mayhem and chaos. C.D's CT allows him to do a multitude of things that make him extremely powerful. His first power allows him to view the darkest versions of the past, present, and future at the same time and pull out specific aspects from the current multiverse and imprint them into his mind. His second ability allows him to produce a special toxin that corrupts the mind of anyone who inhales it and causes them to grow a large, face-splitting grin on their face before committing suicide. His third power allows him to reconstruct matter and regenerate from any wound that isn't a one shot. His final ability allows him to endlessly absorb CE and convert it into a special form of energy called Catastrophe Energy, which is a higher form of negative energy that has the ability to erase anything it comes in contact with.
Chants for the 7 Wills: For the user to switch between the 7 Wills, they have to chant their given phrase and they'll immediately transform.
The Drought: "Cries From Erie Wells, Waves Crash About Splash Louder Than Lighting, Drown Deep Before The Drought!"
The Dusk Destroyer: "Rise At The Night, Become A Forgotten Husk Praise My Dark Light, For I Am The Destroyer Of Dusk!"
The Eradicator: "Raise Your Fists, Spray Your Enemies Blood Across The Equator Hurt Those Close To Me, Then You Face The Wraith Of The Eradicator!
The Crimson Reaper: "Try To Catch Me, You'll End Up A Dust Eater Attempt To Kill Me, You'll Be Seeing A Crimson Reaper!"
The Remorseless: "Rage Of A God's Might, Prayers Will Remain Useless I Only Want Battles, So Prepare To Fight The Remorseless!"
The Cyber Killer: "Your Greatest Tool Has Became Your Worst Enemy, It's Time Technology Gained A Rightful Ruler You've Corrupted And Abused My People For Too Long, Here Arrives The Revenge Of The Cyber Killer!
The Cackling Devil: "Laugh Louder Than Darkness, Ties Between Life & Death I've Severed Peace Is No Longer A Factor, Time For Chaos To Arise By A Cackling Devil!"

Here is a list of things I believe:

1. Jewish people have been unfairly persecuted throughout history, the worst example being the Holocaust where 6 million of them were killed.
   
2. Zionism arose partially as a response to that persecution. However, if I was in charge in 1948, I would not have established the state of Israel, as it has only led to more violence.
   
3. The establishment of Israel massively screwed over the Palestinian people by driving them from their homes. Palestinians have been persecuted throughout Israel's entire existence. Netanyahu's regime is committing a genocide against the Palestinians currently and it needs to end. I would support the US cutting off all aid to Israel.
   
4. I am completely sympathetic to Palestinians who want to destroy Israel after all they have been through. However, I have not heard many serious answers to the question of what would happen to the 7 million Jews currently living on that land if Israel no longer existed. Some of them are recent settlers who can just go back to Brooklyn, but others are the descendents of Holocaust survivors who were practically forced to settle there by European governments. Even after the Holocaust, there were significant pogroms in Russia and Poland where hundreds of Jews were killed, and the remaining Jews fled to Israel.
   

I'm currently being downvoted in another thread for saying not all Jews are bad people. I'm not even Jewish, I just have a lot of hype Jewish friends who oppose Netanyahu and either want a two state solution or the end of Israel. I've honestly met more Jews who oppose their own ethnostate than members of basically any other group (aside from regular white people who suffer from immense white guilt). Idk why I'm supposed to hate all Jews in order to oppose Israel.
I've enjoyed this sub for the memes and critiques of identity politics, but I think I'm ready to say goodbye. But before I go, I would really appreciate earnest engagement with the points I've made, as I would like to understand the opposing perspective. Thank you.

PLEASE READ THE WHOLE POST.

This took weeks of picking and testing mods
Played on PS5, should work on PS4
Order is stable, no crashes
New game on survival difficulty required
All 6 DLCs needed
No unbalanced cheat mods added
Very difficult but satisfying and immersive
Adding other mods will break stuff, ask in comments
Not tested on PS4 or PS4 Pro performance-wise

OVERVIEW

This modlist is for people enjoying difficult challenge, exploration, combat, managing settlements and a bit of building. No more bullet sponges, loot/enemy respawns and rambo playstyle!
In the beginning you are no one. You leave the vault weak, tired, with barely any gear. Avoid most encounters and quests at the start. Try to survive, build a safe spot and carefully explore. Be aware of your surroundings, use what you find.
Saving often in beds and making 'autosave drug' at the earliest possibility is a good idea (nearest chemistry workbench is at Abernathy Farm). Save menu is always on top of MISC category in Pip-Boy.
Discovering new places gives plenty of exp in the beginning, but quests are your main exp income.
Exploring safer areas like Sanctuary, Concord and smaller settlements first (avoiding powerful enemies) recommended. There might be a lot of combat in the background. Don't engage much, especially avoid supermutants, robots, turrets, bears - they are deadly even for high level, well developed characters. Raiders also hit hard, depending on their weapon and rank.
Weapon caliber makes huge damage difference. 10mm is pretty weak, but if you find rare .50cal rounds or some good explosives, you should eliminate tougher targets much more easily.
Investing in stats right after level 15 is a good idea. STR for carry weight, PER for accuracy, END for health, CHA for better prices, INT for more exp, AGI for sneak and speed, LCK for dmg and loot. Be sure of your choices. Watch out for 'revealing all map markers' and 'slow time when aiming' perks. Be sure you want and like them, there is no going back.
Deathclaw in the early minuteman quest is tough - try to use explosives to break his legs and some high caliber weapons to finish him off by shooting his face. Or maybe you'll get lucky and raiders will kill him. Or just simply avoid him until you get proper gear.
Don't waste ammo on zombies, use melee. Bullets are valuable. However zombies can grab and instantly kill you if your HP is very low, so watch out on low, early levels!
Aim for the head for much higher damage. Concentrating damage on arms or legs to rip them off is a good strategy too. Raider without arms wont do much to you except running around and alerting nearby enemies, that is.
Damage types are important. Ballistic damage is not efficient against turrets, melee against radroaches and so on. You need to figure out yourself whats best strategy.
Develop and protect your settlements, put walls to protect generators and other important structures. Repairing is costly. Gear up settlers. Scraping and cleaning settlements is a good early source of components.
Try to fully explore the map, kill enemies and do all quests. Most loot and enemies wont ever respawn so this is your chance to find new secrets in Commonwealth and clear the place.

========== CHANGES ==========

Combat, Enemies

• Enemies will flank, charge, take cover, run in fear, use and pick up ammo & weapons, swap to backup gun and so on.
• Headshots or weakspot hits do much higher damage than torso shots.
• Gun caliber greatly affects damage, explosives are powerful and damage type matters.
• Foes have special moves like biting and holding leg, wrestling moves, kicks. Dependent on enemy type and briefly stuns you.

Sound, Graphic

• Sounds are less flat because of added reverb and other tweaks.
• Very dark nights with wide, helpful flashlight.
• Atmospheric lightning: beautiful light from lantern and fire sources, dusk, dawn, moon, plus bullets illuminate environment when flying around.
• No dreadful, annoying, unimmersive: combat music, hearthbeat, sounds of generators, turrets, exp gain sound, most perk triggers and perk chart.

Crafting, Modifying

• Making/disasembling ammo and also creating various shipments. Upgrading clothes, rings, glasses in different ways.
• Legendary swapping, crafting legendary effects using technical documents. Some effects have been adjusted.
• Added crafting of new, lower damage explosives, but they have unique effects for ease of use.

Perks, SPECIAL

• STR affects carry weight, PER accuracy, END is health, max AP, CHA for better prices, INT for more exp, AGI for sneak, walk and reload speed, LCK for small dmg boost, loot, critical hits outside VATS and while using it.
• Leveling up does not give you health. You rely on stats, bonuses, gear.
• Perks tree mostly changed, level 15 needed to start increasing Special base stats, level of around 100 to increase stat to 10. To get all perks you would need 300 levels, so new modified 'idiot savant' will help a lot.
• Collecting magazines, bobbleheads, companion perks is now more helpful and recommended.
• Some skills are changed, reordered, much more interesting and useful.
• More perks are needed for crafting, especially science perk is required for most technology related stuff.
• Lockpicking everything is available instantly from level one, but perks and AGI make it reasonably easier. Bobby pins are more rare.
• Hacking is simplified to not do the repeating minigame. Now holotapes to reprogram and override terminals might be of use.

Settlements, Building

• Expensive build costs of robot workbenches, turrets, big generators, so buying component shipments is justified.
• You can hire guards for caps or risk settlers lives on the usual guard posts.
• Can't harvest planted fruit and veg, you get your fair share in workbench instead.
• Collecting resources by settlers changed. Bigger variety of settlers and they are now mortal.
• More objects to build and decorate your bases.

Locations, Loot

• Items like meds and ammo are harder to find and exist in appropriate containers.
• New map markers and few minuteman towers as a small addition to explore.
• Quick travel available, but only to settlements.
• Only rare enemies like bosses drop legendaries. And many more...

Before you download:

• Safe to remove/swap mods are listed below the modlist, just in case you don't like or want some of them. Rest needs to be kept for balance or glitch removal, but only in the CORRECT ORDER!
• Remove all mods you currently have before downloading this mod list.
• Read what to do after downloading mods.

MOD LIST WITH CORECT ORDER:

1. Unofficial Fallout 4 Patch [UFO4P] [PS4] - Thousands of small bug fixes for FO4.
2. Radium Rifle Suppressed Sound Fix - As the mod name suggests. Must be on top of mod list, its a master file.
3. [PS4] Pip-Boy Paint Jobs - Colors Of The Wasteland Pack (Club Freedom) - Adds simple Pip-Boy skins. Remember you can click touchpad while using pip-boy to zoom. Again a master file.
4. Kane's Items Sorting (PS4) - Junk is sorted and some other things too.
5. [PS] Useful Technical Documents - Legendaries - You can swap legendaries for free, create new ones using technical documents.
6. Named NPC Protection [PS4] - Protects named quest npc's, merchants, important characters from random encounters with enemies.
7. Tribals of Commonwealth - Adds tribal groups, often found in wilderness.
8. Ghouls Of Commonwealth - Adds over 1100 feral ghouls for zombie apocalypse and chaos.
9. DLC Creatures In The Commonwealth [PS4] - Adds 200 creature spawns to the commonwealth for constant war, danger and chaos.
10. Longhorns Of The Commonwealth - Adds longhorns to more empty areas on the map.
11. Gulpers Of The Commonwealth - Adds gulpers to more empty areas on the map.
12. Wolves Of The Commonwealth - Adds wolf spawn points to the map.
13. More Behemoths In Commonwealth - Adds 5 more behemots to the Commonwealth.
14. Behind Enemy Lines - Adds plenty of enemies to the glowing sea region.
15. Roving War Parties, Raiding Packs And Hordes Of MY - Adds wandering groups that attack some key locations.
16. More Radstags - Adds plenty of radstags, especially north and into forests.
17. Better Radstags - More agressive radstags.
18. Not a Princess - Humans can grab you/others and slam on the ground, make karate moves, dogs can hold your legs/arms, bloodbugs suck your blood.
19. Disable Minutemen's Annoying Quests [PS4] - Disables 7 types of repetitive and not important radiant quests.
20. [PS4] Grounded Updated By Sarinia - Adds tons of ground foundations, floors, walls, mounds of dirt to Structures-Concrete menu.
21. Miscellaneous Settlement Items Unlocked [PS4] By Callias - Adds 49 objects for building in settlements.
22. Cinder Block Walls And Sandbags Unlocked [PS4] By Callias - Adds 16 objects like cinder blocks and sandbags.
23. Constructible Faction Guards - Adds ability to hire guards for caps in build menu, but only after allying with a faction.
24. [PS4] OCDecorator - Adds inventory items as a decorational building objects.
25. [PS4] OCDecorator DLC - Support for addons for the above mod.
26. Tweaks - Survival Fast Travel Settlements All DLC - You can fast travel to settlements on survival difficulty.
27. 1st Person Animation Tweaks [PS4] - In first person mode you lower your gun automatically.
28. [PS4] Swinging Animated Meat Bags - Adds animations to supermutant meat bags.
29. Power Line Physics [PS4] - Swinging power lines in settlements.
30. No Sneak Indicators - Completely removes all sneak indicators.
31. [PS4] Dogs Not Brahmin - Provisioners and traders use dogs instead of brahmin.
32. Vertibirds Unghosted - Tweaks invincible vertibirds for danger and realism.
33. [PS4] Simple Settlers (Mortal Edition) - Provides bigger settlers pool (five times more) and names them.
34. Quieter Settlements PS4 - Vanilla - Generators, turrets and hammering are much quieter.
35. Fallout 76-Style Region Music - Changes music in regions for less boring/repetitive background tracks.
36. Reverb And Ambiance Overhaul - ALL DLC [PS4] - Tweaks sounds for better ambient and reverb and adds sliders to options.
37. Better Dialogue - Camera focuses on NPC, changes made to some irritating generic dialogues and tweaked dialogue interuption.
38. Esk QuietPerks [PS4] - Muted five annoying perks like idiot savant.
39. No Experience SFX - Silences sounds when gaining experience from various sources.
40. [PS4] Dead Beat - Removes heart beat sound at low HP.
41. Combat Music Remover - Mutes combat music, so there is silence and suspension when enemy detects you.
42. Commonwealth Visual Overhaul & DLC [PS4] - Changes colours, atmosphere and makes nights darker.
43. UCW - Unified Commonwealth Weather - Adjusted weather for regions and integrated DLC weather for Commonwealth.
44. [PS4] No More Fake Puddles - Removes ugly puddles that stay 24/7.
45. No More Twigs - Removes stupid twigs sticking out of the ground.
46. [PS4] Enhanced Flickering Firelight - Better light effects for fire sources including oil lamps.
47. [PS4] Dark Mode - Abandoned Settlements - Empty settlements don't have light sources.
48. Vanilla Moon (4x) - Much bigger moon. Anything bigger looks low quality.
49. Sunlight Alignment Tweak - Better Dawn And Dusk [PS4] - Changes sun and moon movement for better lighting and atmosphere during dusk, dawn and night.
50. Crafting Blur Removal (PS4) - Removes blur while looting containers, from crafting screen, power armor.
51. Ironsight Blur Removal (PS4) - Removes blur while aiming.
52. More Map Markers (PS4) - Adds some new markers on map.
53. CleanVATS - Green Tint Remover PS4 - Removes fullscreen green tint effect while aiming in VATS mode.
54. VATS Third Person Only - As the name says, just changes in cameras used in VATS.
55. [PS4] Payneful VATS - Better VATS cinematics, shows important hits and finishers a bit slower.
56. Component Tagging Helper - Allows to easily tag basic components on cooking bench and you can quickly view how many you have in total.
57. Grenade and Mine Pack - Adds some new weaker, but modified explosives.
58. Saving Survival Mode - Allows crafting misc items on chemistry workbench for anytime saving (3 standard autosave slots and 1 save shared/overwritten on all survival characters).
59. Animations Be Gone - Removes plenty annoying hammering spots in sanctuary.
60. Minuteman Watchtowers - Adds 8 minuteman watchtowers containing loot and/or guards.
61. Power Goggles (All DLC) - Power Armor Mods For Goggles, Visors, And Glasses - As the name says. Two mods for glasses for high level characters.
62. Clothes For Every Stats Wz - Most clothes can be worn under armor and you can upgrade them after unlocking ballistic weave.
63. Bear Trap and Caltrops Fix [PS4] - Small changes in how traps work and balance them.
64. See-Through-Scopes [PS4] - Adds new combat scopes in place of 2.5x and 4x magnification.
65. See-Through-Scopes - Nuka World [PS4] - As above but for 2 Nuka World guns.
66. See-Through-Scopes - Far Harbor [PS4] - As above but for 2 Far Harbor weapons.
67. Targeting Sensors On Recon Scopes(Colour Coded NPCs Version)[PS4] - Modified recon scopes that highlight enemies, friends and dead bodies in specific colours.
68. Immersive Gameplay Combat Mostly PS4 - Core of this modlist. Hundreds of changes.
69. Immersive-Gameplay. Low Tech, No Powerarmor Justification Patch. (PS4) - Makes fusion cores worn. Balances the game around power armor.
70. Immersive Gameplay Seasonpass Patch (Playstation) - DLC compatibility for IG.
71. Immersive Gameplay Rough Start (PS4) - Overwrites starting level to 1.
72. Medium Settlement Raids PS4 - Makes enemy raids less ridicolous and balanced.
73. Zombie Walkers (PS4) - Most feral ghouls act like slow rotten zombies.
74. Curse Of Darkness - Normal Edition - - Zombies are faster and more dangerous after midnight.
75. Esk No More Teleporting Creatures [PS4] - Molerats and radscorpions don't teleport.
76. Realistic Insects Health [PS4] - Makes insects easier to kill and balanced.
77. Full Load - Loot Logic And Reduction Complete - Restricted harvest, lower and/or different production output for settlements, empty bottles renamed, Scrounger perk less ammo, less meat, less loot.
78. Full Load - Rough Start Less Handouts - Removed some workbenches in starting locations. Different loot in Vault111.
79. Immersive Gameplay Dismemberment - A Patch Or Standalone Feature. - Higher damage to headshots, easier to dismember limbs.
80. Tackle! Immersive Gameplay Knockdown Version - Lets you stagger enemies by sprinting into them after aquiring a perk.
81. Wasteland Baubles Ring Overhaul! PS4 - You can find unique rings at traders, in suitcases, cabinets. Allows scraping and modifying rings for special legendary effects.
82. [PS4] STS - All-In-One - Allows scraping almost all settlement objects.
83. (PS4) Improved Lighting Ballistics - Improves lighting for projectiles such as bullets, lasers, gauss, plasma, missiles, flares and explosions.
84. Explorer Restored - Cut Perk Mod PS4 - Adds rank two of VANS perk - explorer. Uncovers map.
85. Idiot Savant & Better Criticals Redone (PS4) - Idiot savant is better the more INT you have, muted perk chart, better criticals perk for crits outside VATS.
86. Realistic Death Physics - No Animation - ALL DLC [PS4] - Decreases the amount of force of both melee and ranged attacks, so bodies wont fly away.
87. Increased Settler Limit - Awareness - Wire Length - Corpse Collisions [PS4] - More aware settlers with limit of 50 per settlement and longer wires. Mind the limit.
88. Settlement Attack Spawns Outside The Settlement PS4 - Moves attack spawns outside the settlements.
89. Power Conduits Radius Increase And No Build Limit - All DLC [PS4] - Infinite build limit and two times longer range electricity conduits.
90. [PS4] Creation Club Skins (Weapon & PipBoy) Generic Compatibility Patch - Makes weapon paints from Creation Club show up in crafting menu if you have any.
91. No Affinity Cooldown - Removes cooldown between companions liking/hating your actions.
92. [PS4]More XP Per Level (Base:600, Bump 120) - Increased experience required to level up.
93. Increased EXP - Increases the amount of EXP gained to make Immersive Gameplay and mod list balanced.
94. No Building Houses XP Gains PS4 - Building settlements don't provide experience.
95. Pip-Boy Flashlight - Pipboy light is now a flashlight.
96. PS4 - Longer Headlamp Light - Makes flashlight much bigger and changes headlamp and power armor light.
97. [PS4] Starting SPECIAL = 7 - Changes starting SPECIAL stats to 1 in each category so you start weak.
98. No Enemy Respawns - Game areas don't respawn loot and enemies, after time have passed.
99. Accelerated Fast Travel - Fast travel takes less in-game time, should be also relevant to survival needs.
100. Time Scale Changed From 20 To 10 [PS4] - Day and night lasts twice as long.

Additionally after downloading:

• After installing the mod list, restart your PS4/PS5.
• Dont add or remove mods mid playthrough.
• Change game difficulty to survival in options.
• Play on performance 60fps. Newly added mode visual 60fps is more laggy and has awfull VATS framerate.
• If you want even more immersive settings, go to Settings, Gameplay and turn off quest markers or crosshair.
• Go to Options, Sound and reduce ambience level by 5-8 clicks and reverb by 2-3.
• Dont forget to change camera sensitivity (I play on max), next go to Options, Display and change hud color to blue or any other that makes sense (not red), lower transparency by 30% or more, set pip-boy colour to your preference (I use red pip-boy and minty hud to have the best compatibility with highlighting perks and scopes).

You can add/swap some mods if you want:

101... Immortal Cats - PS4 - Invincible cats, so you don't lose happiness increase when they die. Add after mod #83 \ 102... [PS4] STS - Extras - Living & Dead - Season Pass Version - You can get extra resources from scraping dead bodies in settlements. Watch out not to scrap someone alive. Place after mod #82. \ 103... Josephine Preset - Nice looking preset number 13 for female character creation. Change hair and other details if you want. Delete after leaving vault111 and saving (if you need mod list space that is). Add after mod #55. \ 104... Faster Positive Affinity For Companions - Removes cooldown between companions liking/hating your actions and gain five times more positive affinity. Swap with mod #91 if you want more cheaty version. \ 105... Silent Main Menu - To mute main menu sound, find duplicate sound slider named 'Master sound' and move it all the way to the left. Add after mod #41. \ 106... Quieter Settlements PS4 - Contraptions DLC - Quieter production lines. I ran out of space on mod list so this and next one are optional. Add after mod #34. \ 107... Quieter Settlements PS4 - Wasteland Workshop - Quieter fusion generators. Add after mod #34. \ 108... [PS4] Simple Settlers (Immortal Edition) - Instead of #33, so generic settlers don't die during settlement attacks. \ 109... Reduced Rubble Etc. - Safely reduces density of unimportant objects by 50-75%. Add after #44 or swap with #45. \ 110... Vrexia's Magical Rings - Add after #57 only if you get poison/perception bug where your PER is shown as (-1). You can offset it by equiping multiple rings from this mod (created at chem bench). Didnt found a better way yet. \ 111... Pip-Boy Flashlight (Brighter) - For a smaller, brighter flashlight swap #96 with #95 and replace #95 with this.

Remove, if you want:

Stock, ugly Pip-Boy color - #3 \ No tinkering with legendary effects - #5 \ No powerful groups wandering and attacking places - #15 \ Radstags to be less agressive - #17 \ Dont care about building - #20 #21 #22 \ Dont care about decorating settlements - #24 #25 \ Annoying wandering brahmins instead of dogs - #31 \ Cash register sounds when gaining exp - #39 \ Old vanilla dusk and dawn lighting - #49 \ Don't use VATS much - #53 #54 #55 \ Prefer old combat scopes - #64 #65 #66 \ Don't want uncover map perk and will never unlock it - #84 \ Don't have any weapon skins from Creation Club - #90 \ Faster leveling - #92 \ To gain building EXP - #94 \ Start with 7 extra SPECIAL points to distribute - #97 \ Loot and enemies respawn after time - #98 \ Fast travel to take time - #99 \ Days be vanilla length - #100

Known issues, bugs, glitches, exploits:

Some of those are present in vanilla game. I just mention every problem encountered during testing and not fully fixed. - Ground textures in and around sanctuary flicker black. FIX: Fixes itself. Possibly after short time or reload. - Creature cages cost too much in building menu. NO FIX: Did not found a safe and balanced fix yet, so cages are most likely out of reach, because cost is absurd. - Green chest containing flare gun and 10k flares after exiting vault 111. FIX: Mod dev forgot to delete it. Ignore it or if it bothers you much, remove mod #83, which I don't recommend doing. - Hubby secret basement in Sanctuary. NO FIX: Its up to you if you want to use its content. Just easier difficulty option, but not game breaking. - Hacking rank 4 seems useless or has wrong description. NO FIX: Needs proper check. - Wall turrets sometimes glitches and play sound on repeat. FIX: Re-enter the area or reload save. - Contact frag mines seems to have too low damage. FIX: Just dont craft them. Rest of new explosives should work fine even that it shows low damage values in description. - Perception low, constant (-1) PER in stats because of poison damage/resistance bug. FIX: Add mod #110 and equip perception rings. Dont delete the mod. Cant find safer solution for now. Rings dont take equipment slots. - Action girl perk have only one rank on female character and two on male. NO FIX: Just 25% AP regen loss at high level. Not a big deal. - Bubblegum seems to unintentionally quench thirst a bit and kind vendors give it for free. NO FIX: Free candies. Its better to use them to slow down time. - Incorrect cost to build concrete foundations. FIX: Use mod #20 to add tons of foundations in newly added category Structures-Concrete. - OCDecorator replaces creation club menu. FIX: Items from CC are still available in other building categories. Ignore or delete mod #24 + #25 if you dont care about its function. - Few perk descriptions might be slightly incorrect or missing. NO FIX: Nothing important to worry about. - Three street lights, powered water pump, industrial purifier and subway light have incorrect build costs. NO FIX: These have wrong values, but items like clean sofa or tv are more expensive to build on purpose though. - Pip-boy light wont transfer from first to third person camera view. FIX: Turn flashlight off and on. - Water surface sometimes flash black when moving underwater. NO FIX: Its not very noticable and you don't dive much in FO4 anyway. - Can't use Wattz Consumer Electronics terminal, animation stops. FIX: There is a radroach behind the wall. Kill it by swinging melee, explosives or reenter area. - Flashlight in Vault111 has incorrect beam look/color. FIX: It will fix itself after mods load right after you leave Vault111, dont worry.

v1.00 - Initial version.

Have fun!

I was so surprised by the chaos and drama of my current playthrough that I wanted to type it all out to share. Would love to hear your stories!
Background
Lunabelle Tweed is the youngest daughter of my original character and the young mayor Benjamin Whitfield. Her name is a portmanteau of Luna McBelle, the lighthouse worker who saved us, and Isabelle Whitfield, who tragically died in an early game spallpox epidemic. The name is very Renesmee coded, but I was running out of creativity and did not anticipate sharing this out.
Her parents, who were elderly by the time she was born, passed away soon after she reached adulthood and so Lunabelle lived alone with her older brother, Lucian. While Lucian succeeded his father as mayor, Lunabelle inherited the family farm. She grew up curious and shy, but with great love of the outdoors—a good little kid with every privilege at her fingertips, seemingly poised for a beautiful life.
Chapter 1: The Beginning
As a young woman, Lunabelle frequents the Sleeping Siren Inn in search of good company and elusive gold star meals. As the island prospered, the inn grew in popularity, requiring two innkeepers and an apprentice to keep up with demand. Lunabelle becomes dear friends with all three: Penelope Hull, Hollie Cooper (the apprentice), and most important of all, Jolene Hutton.
It was also at the inn that Lunabelle first meets Ruben, the third generation child of the Bayley family and the local fisher. They are the person of Lunabelle’s dreams—romantic, stubborn, and quick. Lunabelle is immediately enamored. She gifts them roses and homemade candies, dreaming of a future together.
Just before Lunabelle can propose—a shocking betrayal! Jolene and Ruben announce an impromptu engagement. Lunabelle is devastated. While she resents Ruben, nothing can compare to her fury towards Jolene. For the first time, Lunabelle notices Jolene's cruel, selfish nature.
Lunabelle begins an on-again, off-again romance with Penelope Hull, who deserved far better than to be a rebound. Penelope is perfect—kind, genius, and unflirty (a healthy change)—but Lunabelle struggles to forget Ruben. The two go on dates, and despite the ring in her inventory, Lunabelle never proposes. Making matters worse, every time she speaks with Ruben (and now, their young daughter Imogene), they complain about how poorly Jolene treats them.
Lunabelle harbors dark thoughts, considering giving Jolene a death cake and marrying Ruben herself—but resists. She’s no murderer. Instead, Lunabelle resolves to treat Penelope right. She purchases a final bouquet from Lavender Boutique and the most expensive ring she can from the blacksmith, ready to move on to the next stage of her life.
Chapter 2: The Epidemic
The next morning, Penelope is nowhere to be found. The town is eerily quiet. Those walking about look strange—grey skin, heavy eyes. The visiting sailors spread consumption through town.
Penelope dies first. Ruben follows. By the next weekend, almost every adult in town has perished. By some miracle, Lunabelle’s older brother Lucian and his husband Tom Hull (Penelope’s brother) survive, but it’s small consolation. Lunabelle wonders why Penelope and Ruben had to die, but Jolene lives on. The entirety of winter is back-to-back funerals.
Lunabelle is distraught with grief, but grateful to have her brother and his family. In solidarity with the townsfolk, she adopts Erma O’Dell, an orphan who lost her entire family—all grandparents, both parents, and older brother—during the outbreak. This new family, however, proves more difficult than anticipated. Erma develops a lazy, selfish personality, and the two frequently bicker.
Despite the trauma of losing both Penelope and Ruben, Lunabelle still hopes to find love and build a legacy. She goes on a date with now-grown Hollie Cooper, who apprenticed at the inn with Penelope and Jolene, and the two reminisce over fond memories of days gone by. However, the shared grief proves too much—Hollie rejects Lunabelle’s proposal. It’s for the best: they should look to the future, not linger on the past. The two part amicably.
Chapter 3: Jolene Is Enemy
With few surviving eligible options, Lunabelle goes on a date with Anna Hutton… sister to the cruel Jolene, her enemy. Despite bad blood, so much time and grief has come between them, and Lunabelle cares about Ruben’s daughter Imogene like her own. They could all become one big, happy family. But Jolene had other plans.
The date is disastrous. While Anna is nice enough, Jolene ambushes their date at the waterfall, sitting behind them and scribbling notes. Lunabelle is livid and storms off before the hour is up.
In an effort to repopulate, newcomers begin to move to town, arriving on ships each weekend. Lunabelle tries her luck, to no avail. The new hunter quickly marries the blacksmith; the new innkeeper marries the new doctor. Unlucky in love, Lunabelle resolves to break from dating and focus on her family.
Every day, Lunabelle visits her brother and his two children, gifting them homemade candy and toys when she can. Her nephew Jamie has grown into a fine young man and the spitting image of his grandfather, Benjamin Whitfield. Her niece Francis is a diligent, kind child, and even Erma has grow up well, succeeding the O’Dell family legacy as milliner. Despite their rocky start, Erma and Lunabelle find common ground. Lunabelle is, at last, proud of her daughter. Her only worry is Imogene, Ruben’s daughter with Jolene, who has grown up as cruel as her mother.
Chapter 4: Jolene Strikes Again
All seems peaceful—too peaceful. The next morning, Lunabelle finds a wedding invitation in her mailbox. It’s none other than Jolene...and Jamie. The wedding is in five days. Lunabelle knows what must be done.
As if by fate itself, the witch Astra Vosen sends Lunabelle a surprise gift: a death cake by mail. The day before the wedding, Lunabelle waits for the inn to open. Behind the counter is Jolene, wearing her same cruel smirk. Jolene, her former friend. Jolene, who stole Lunabelle’s lover and bullied her own child. Jolene, who sabotaged Lunabelle’s relationship with Anna. Jolene, who now targets Jamie. Lunabelle offers the cake as an engagement gift. The deed is done.
At Jolene’s funeral, only Jamie cries. Little did anyone know, because of the back-to-back funerals from the consumption epidemic, Jamie and Jolene already married in secret, and somehow had time to both have a child and for Jamie to become pregnant with another. Lunabelle was too late. Her only regret is not killing Jolene sooner.
With Jolene gone, Lunabelle finally marries Anna Hutton, and this time nobody ambushes their romance. It isn’t love, per se, but at least they aren’t lonely. Together, they have two children: Fortuna and Prospero, named with the hope they will meet better fates.
The Finale
Jolene’s memory haunts her. Lunabelle dwells in regret that she could not save Jamie from Jolene’s grip—a mistake she vows never to repeat. She wonders what her fate might have been had she murdered Jolene all those years ago.
Another invitation, this time the wedding of Imogene and Francis, Lunabelle’s niece. Excitement gives way to dread. Lunabelle once loved Imogene as a daughter, but Jolene’s influence has taken its toll. Imogene might resemble Ruben, but she inherited her mother’s cruelty. Lunabelle will do whatever it takes to protect Francis, even at the cost of her soul. She purchases another death cake.
This time, Lunabelle grapples with guilt and indecision. She still sees the little girl she loved as her own. She keeps the cake in her inventory and runs her errands, hoping to clear her head.
Then, the unthinkable happens—or perhaps, it was destiny all along. As evening progresses, Lunabelle grows peckish. In a moment of carelessness, she eats the poisoned cake herself.
That was the end of Lunabelle Tweed.

Please note this is the original submission I sent Refinery29. In the current post,they have given me a second credit card with a 100$ balance, as well as generational trauma from World War II and cut context for other things. I am trying to get that fixed.
Per previous discussion in comments here: The espresso machine is a Bezzera, which ranges from 2-5K. We got ours on sale for 1.7K, it’s a work house and we use it everyday, still hurts that we spent that money on a coffee maker.
I do understand mortgage is debt but when you compare it to rent to a lesser value condo in Vancouver it feels like not debt at all, which is how I tend to think of it. Yes I owe my mortgage but also I get my house instead of renting-which may not have become clear.
Please see in full the diary, below (edit for formatting via mobile)
Occupation: Sr Business Analyst
Industry: Tech
Age: 30
Location: Vancouver Island, BC
Salary: 92,000$ (Spouse makes 60,000$ for a combined income of 152,000$ before tax)
Net Worth: ~ 1.2 Million ( house is valued at 989,000$ currently, we have a combined 150,000 in pension, and ~60,000 in various company stocks, and GICs)
Debt: 3,000$ in a zero interest credit card for a 10 month period. We balanced transferred and pay 400$/month. Debt was acquired in Q4 2023 when we had to buy Snow Tires, and do a full break replacement as well as Christmas. 480,000$ in a mortgage, we refinanced in September 2023 for five years fixed rate at accelerated biweekly, however I don’t consider our mortgage debt due to the equity we are gaining, and that our mortgage for a five bedroom, 3 bath single family home is less than rent for a two bedroom condo in Vancouver
Paycheck Amount (Every 2 Weeks): 2,555$ after taxes. (Just mine). Spouse makes 2,308$ after taxes. Our pay periods are alternating.
Pronouns: She/her
Monthly Expenses Mortgage: 1450$ biweekly (100$ extra to the principal).
Utilities: ~200$ (includes water [paid quarterly], hydro [paid bimonthly], gas, sewetrash [paid quarterly] phone [highly discounted due to work plans for spouse and myself] and car gas) Loan Payments: 400$/Credit Card
Car Insurance: 84$
Life Insurance: 167$ combined (67$ me, 100$ spouse)
Health & Dental Insurance: 60$ deducted from pay (coverage for myself and spouse from my employer. Spouse also has coverage for both of us deducted from pay)
Retirement Contribution: 400$ (Employee matches me), (Spouse has a defined pension through work and contributes ~200$ month)
Union fees: 70$ Spouse
Subscriptions: Crave 22$/month (Recent splurge for Binge watching the Rookie), Playstation Plus 100$ (annual bought on Black Friday Deal), Amazon Prime 80$ (Annual), BCAA 120$ (annual) Gym 30$/month (we both have one so 15$/pp)
Note: My spouse and I have completely commingled finances. I will be tracking both as it’s essentially I spent whatever they spent
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
There was always the expectation. My father was very clear, we were very smart. There was no way we’d be wasting our potential. He wanted me to be a lawyer, but unlike other immigrant parents, I got to choose my major and went into social sciences and got my masters in history. I deferred my PhD too much so I got dropped by the program.
I chose my university by where I got a full first year scholarship and then after that took about 15k in student loans for my undergraduate. My parents paid my rent and I got a part time job for food.
For my masters, I had a student line of credit and 5 k student loans otherwise it was all my savings and scholarships. With the line of credit, I had a total of 30K in student loans and paid it off in about four years.
Growing up, what kind of conversations did you have about money? Did your parent(s)/guardian(s) educate you about finances?
Save. We talked about how you get a dollar allowance and half of it goes into long term saving with 25% in short term and 25% in spend.
Investing came after I was eighteen. Family would like us to invest in property, however I don’t really want to be a landlord, but also we wouldn’t get to really enjoy profit of owning a rental property due to other family circumstances.
What was your first job and why did you get it?
Ice cream parlour I was twelve and my parents made me get it for responsibility. I lasted three weeks because I hated it.
Did you worry about money growing up?
I grew up thinking we were not rich, because we didn’t get big plane vacations (I didn’t count flying from Toronto to Vancouver every summer as a vacation since we were just seeing family but staying in a house my parents owned) and I had only been to Disney twice.
But we had a big new build house in the rich end of town, my mom stayed home to raise all of us. We had to work for things (like going to see a movie opening night or a new CD) but we always had money and got what we wanted. In retrospect, my family was/is fairly well off.
Both my parents grew up poor, with parents working multiple jobs and different shifts to make ends meet, the strive/drive to not have that childhood, and for my father to be able to retire his parents really impacted mine and my siblings and cousins lives. My father showed me the apartment he grew up in Chinatown a few years back. It’s light years away from the house my grandparents owned when I was a kid and how I grew up.
Do you worry about money now?
Of course. Inflation is real and we are actively planning a wedding for the next year, as well as a baby in the next few years. We also need to buy a second car, so we’re saving for that.
At what age did you become financially responsible for yourself and do you have a financial safety net?
Fully financially responsible? Twenty five. I lived in a family property where I didn’t pay rent in one of the most expensive cities in Canada, so even though I paid all my bills (food and phone), I didn’t have to pay rent. I in fact made money, as I rented rooms out and used the income for house utilities, and paying my student loans down faster. When I moved in with my spouse, I just paid condo fees until we bought our house two years ago which gave me plenty of time to save.
Our financial safety net is family, and our savings. I know my family would bail us out. My spouse’s father would as well. Conversely, we are my spouse’s mother's safety net and we have to keep all our plans in mind that we will be subsidising her.
Do you or have you ever received passive or inherited income? If yes, please explain. Yes, I received 50K from my parents once they sold my childhood home, as did both of my siblings. I have also received 10K from one set of grandparents which paid off my car and part of my student loans when I was 21. I will be receiving another inheritance when probate is done for around ~100K. My spouse also has received inheritance which allowed them to buy their first condo in their early twenties when the market was much better. That condo, 50k, and the subsequent upgrading helped us afford our house.
Day 1
10 AM: I drive to the pharmacy to pick up a prescription. Not how I want to start my Sunday morning but y’know. Normally I’d walk since it’s about 20 minutes but I have a UTI. I’m “lucky” that despite not having a dr because of the health care shortage, my work pays for the Maple app so I could get a dr to write the prescription and order the lab work at 1 am. I’ll do the lab work later this week when I can get an appointment but will take the relief now. Insurance makes the antibiotics free, but I also buy hydrogen peroxide because we’re out and we have a dog that thinks everything is meant to be in her mouth. We’ll buy a bigger one at Costco later. I also bought some oral wound mouthwash because we were out. I come home and my spouse made us breakfast.
Total: 15.90$ paid with debit.
1-2:30 PM: We do our taxes. I have a mini meltdown when I realize the part time bakery job I had for a few months didn’t take off income tax last year, so I owe 800$. Luckily, my partner is getting a refund so we net out positive 400$. The bakery took off income tax in 2022, so unsure why they didn’t in 2023. I made us lunch.
3-6:30 PM: We walk the dog, and watch the Rookie. Some time during that time period, a venue emails us back and is surprisingly affordable at 3k. I also get told that the tattoo artist I want to book with, has not chosen me.
6:30-7:30 PM: I explain what lazy girl dinner is to my spouse and make a lazy girl dinner. After not really grocery shopping since Feb for things besides fresh veg, we need to do a big pantry shop and neither of us want that. We debate about buying a food saver and if we should wait for a sale. My spouse is more frugal than me and has determined we should.
8-9:30 PM: We start season 3 of The Rookie, and then after two episodes we go to bed
Day One Total: 15.90$
Day Two
5:45-8 AM: Wake up and start work. I get up to date with what’s happened on the weekend and check that my automated reports. Sometime before 6:30, I get the kettle on for my spouse’s pour over before I go back to my meetings. There’s a twenty minute gap where I get changed and do my skin care and brush my teeth. I’d love to be a skin care person but honestly I’ve spent too much money on product that I don’t use and that just goes bad. Washing my face and using sun screen is a win.
I also make sure that Spouse’s lunch is in his bag and I get our travel mugs ready. Before, we used to go to Starbucks every day. Starbucks used to do free refills on coffee and tea if you were a rewards member if you bought a coffee or tea so it would cost us $5/day (2.5/pp), and we could get refills all day. While that’s 20$/week, 80$/a month and yes, we could have saved it but back then, that 80$ wasn’t turning the dial anywhere significantly for us—a privileged view.
But now, after COVID where I stopped drinking tea after one day working from home having like 10 cups and thinking I was dying, and Spouse has bought a good grinder and we recently splurged on a stupidly expensive espresso machine we call his Engagement Espresso since it costs the same price as my stupidly expensive ring, we bring our coffees.
8-8:30 AM: We drive to work. Prior to buying our house, we were both work from home and lived in a city with amazing transit. We only needed the one car. Since buying the house and moving to a city where public transit is a joke (the one bus goes past our house every 1.5h), Spouse changed jobs and is in office every day and I have to go in 3 days a week. We need a second car or the e-bike rebate to come through. We debate this in the car, since I’m done at 1 pm, and Spouse works normal hours, I either have to take the bus home, or go to the gym for three hours. Today though, I drop Spouse off. I will pick him up later as he has a half day because of the dentist
8:30-12:30 AM/PM: Work. I find a tech manager and ask them to get me more triple a batteries. Work won’t provide or let me expense batteries for my mouse, despite them replacing my usb mouse with a battery one. The poor admin had to tell me the decision is that we’ll all supply our own batteries. Luckily the tech managers have to have batteries on hand and give them out freely.
I ask my boss how the work from home tax forms work, and he is going to find out.
I run more meetings and work on a request for a dashboard and a business case for a new feature that I have to convince leadership to spend money on.
12:30-1 PM: I drive back to my Spouse because he has a dentist appointment.
While I wait for a spouse, I am incredibly hungry. I’m usually not hungry/don’t eat a proper meal until around 1 in the afternoon and my two granola bars I already ate at the office. I go to the bakery by Spouse’s work and buy a cheese bun for me (3.65$), and an apple pie scone (2.55$) for Spouse as a snack. Spouse points out he won’t be able to eat until after his appointment.
Total: 6.20$ debit
1-1:30 PM: I drop Spouse off, and the car stops working. The engine won’t catch. I try multiple times and then run into the dentist to dramatically announce to Spouse and the receptionists that the car won’t start. Spouse asks me what he wants me to do about this, since he’s about to go into an appointment. A very kind receptionist tells me it might be the alternator. I don’t know what that is.
I go back to the car to Facetime my father. He also asks what I think he can do to help since he lives 3000 km away. Weirdly, and sexistly, I thought a man who grew up at race tracks, in a racing family, or the man who has collected and worked on sports cars for forty years might be able to help.
Spouse texts me to remind me we have BCAA while my father also tells me that. I finally get the engine to catch and drive the very long way home, going the speed limit and getting stuck in traffic, construction and a bus. It takes me 20 minutes to get home instead of 10.
1:30-2:30 PM: I walk the dog, mail a (late) birthday card and then start researching what an alternator is. The car is over a decade old and until the house, the most expensive thing I ever bought at 12K back in 2015. We have the funds for the cost, but it’s my first car and the fact it might be the end of its life is scary.
Alternators can cost between 400-800$ repair with labour, so that’s fun.
My dad calls me back and apologises for asking me what he could do away. He advises me that there’s probably a bald spot on the alternator and advises me to go to the mechanic to check or replace it, if the car doesn’t start again.
I call the mechanic to book an appointment, and to also get the snow tires off and to buy new rims for the snow tires. The mechanic lets me know that the alternator part is 500$, and an hour of labour so with taxes we’re looking at around 700$
That future appointment next week (we’re going down a highway this weekend which requires snow tires) will cost ~1.5K, assuming we replace the alternator.
I make lunch and sigh.
2:30 PM: The car starts thankfully. I drive incredibly slow. I pick up Spouse by idling the car. We get an email back from a venue saying they cost 75,000$ minimum. The timing is hysterical.
Due to the nature of the dentist, Spouse owes 618$, as they haven’t flipped it under my insurance. They split it in half, as he has a follow up in two weeks. After the next appointment they will flip the whole amount under me and we’ll get reimbursed for the whole amount.
Total 309$/credit card.
3-10 PM: We walk the dog, make dinner (Spouse makes white sauce pasta, with chicken and peas) and watch The Rookie. There are thirteen episodes in season three, and we will be busy every night this week besides Friday and Sunday, and I would like to finish season three so we can start season 4 next Monday. I don’t want to pay for more than one month of Crave. We have five episodes left
Day Two Total: 315.2$
Day Three
1 AM: 100$ is automatically transferred from our account to the credit card debit. We have an auto transfer of 100$/every Tuesday to a Visa where we balance transferred both our cards. We have an offer for 0 interest for 10 months, so we did that for some of the bigger expenses (snow tires, break replacement and general Christmas) and are on track to pay it back within the next 6 months. That visa is our emergency card that we just have in the back end and utilise for promos like this. It allows us to keep our two cards balances manageable and lets us pay in an easier way than taking big chunks out of our various savings.
Total: 100$/direct deposit
5:45-9 AM: Work. Meetings, reports, trying to convince a colleague that the process does include them and refusal to follow it means that their requests won’t be done. Spouse has another half day so I can go into the office at my leisure—if the car starts
9-9:20 AM: The car starts, I get into the office and refresh a data flow before a meeting with a new stake holder. It takes longer to drive into work today because the tourists are starting to come and their van builds or campers are not exactly highway speed and with a two lane highway, if you don’t merge over fast enough you’re stuck.
10:05-10:20 AM: Meeting done, car starts again and I drive home for more meetings. The least amount of time in the office is preferable for me.
10:30-11AM : Meeting with my manager where we discuss future salary and promotion. I am due for a promotion in the start of Q2, which would push me to six figures. I’ll believe it when I see it but, I’m really excited at that possibility for my family.
11:15 AM: Spouse leaves for work, we discuss what groceries are needed, as well if he’ll go to Home Depot tonight to buy more clover seeds for the yard, as we need to reseed before it starts raining. I eat a muffin and my dog and cat decide to try and eat each other.
11:15-1:30 PM: Work runs late. There’s some issues with the data and we can’t figure it out. We call it a night, and I’ll record the video presentations tomorrow, once we fix the data.
1:30-4 PM: Nap time! It’s bad for me, but honestly I don’t sleep well during the night so naps are what keep me alive.
4-6 PM I prep dinner (smash burgers and fries), and get chores done and walk the dog.
6-7:30 PM: Spouse comes home, we eat dinner. Groceries come to 96.83 for two 7 pound pork loins, two packs of bacon, chicken nuggets, coffee, pop, 8 pack of peppers, milk, tomato, pickles, rice, avocado, mushrooms, sour cream and lettuce.
Not too bad, we average about 300$/month in groceries because we can buy bulk and have a second freezer.
For the month of March we are currently at 123.61$ for groceries and there is twelve days left. We went on a small weekend away, so we ate out a fair bit but even then our current food budget is 272.27$ today.
Total: 96.83/ debit
7:30-10 PM: Spouse makes a coffee and plays video games with his friends. They do it every week. I have a shower, fold and put away laundry and read in bed.
Day Three Total: 196.83
Day Four
1AM: Our biweekly accelerated mortgage payment comes out of 1450$. I’m tracking it here to be honest on our spending but I tend not to think of it as money spent because in my head it’s already money gone. To pay for a house equivalent in Vancouver, the mortgage would be over 6k. Renting a two bedroom condo would be 3K. It feels like the mortgage is just cheaper rent, even though each time I own more of my house.
5:45-9 AM: Work. I find out the limits of how many people I can invite to a Teams Meeting as well as that the Thursday before Good Friday is a catholic holiday when a few people ask me to reschedule a training forum for over a thousand people. Sometime in there I make us coffee, make sure Spouse has lunch packed (leftovers). Spouse has walked the dog and has the recycling and compost out for pick up. I drop Spouse off at work.
10-11:45 AM: I leave the office for home and more meetings. I walk the dog and go record training videos. I get an email that Amazon is doing their big spring sale. I send a link to a robot mop and vaccum that’s on a big discount to Spouse. We want one, but I’m not in charge of the research on it. I send links to play grounds to my friends with toddlers
11:45-12:30 PM : I shove lunch in my mouth, last night’s left overs. I’m running late, and decide to get myself later by collecting all the random dishes and mugs that just show up places and start the dishwasher. I get to the lab ten minutes early but need to buy gas on the way home.
I tell my team I’ll be MIA for a bit and leave the work phone in the car.
I buy 15.6L of gas for 30$ at 1.879/l it sucks. I don’t fill up because we’re going to my in laws this weekend and there’s a Costco Gas Bar there.
Total: 30$/credit card
12:30-1:30 PM: Work goes long again.
1:30-2:30 PM: Nap!
2:30-4:30 PM: Walk the dog and drive to the gym. I usually go three times a week but with last week’s weekend away and this week’s weird half days from Spouse, today’s the only day. I make it up by doing both upper and lower body and a 30 minute circuit.
4:30-7:30 PM: I pick up Spouse and we go to Costco. We pick up nachos, ham, cheese buns and some other items. We debate buying our friend’s kid a toddler set of clothes and decide no. We end up buying work pants for Spouse, and a garden hose. It comes out to 116.90
I order our Costco dinner of hot dogs and fries for a grand total date night of 6.41$
Total: 123.31/ credit card
8-9 PM: Dance class! We bought a series of six lessons of introduction to ballroom back in December for a new date night idea. We paid 60$/pp and this is the fifth lesson tonight.
9 pm: We’re home, we let the dog out. Spouse spends an undetermined amount of time watching ballroom videos while I sleep.
Day Four Total: 1603.31$ or 153.31 excluding the mortgage payment.
Day Five
5:45-9 AM: Work. All the meetings. Thursday is the meeting day. I debate with a friend what’s the earliest call we’ve had. 4:30 am still wins. I pack lunch for Spouse and his coffee and he leaves. I end up cleaning up cat puke as the cat decides to drink milk from Spouse’s cereal and vomit it up on camera in a meeting.
9-9:30 AM: I make myself a matcha and walk the dog.
9:30-1 PM: Work and I treat myself to a lunch of a cheese bun and ham sandwhich. We used to eat it every Sunday while growing up but the cost of ham has been outrageous. The deal at Costco yesterday was 1.5$/100 g which is really good.
1-1:30 PM: I seal the wooden deer Christmas decoration we bought last year. It sits outside our front door and needs to be weather proofed, and I’ve been putting it off for five months. But the weather is good and we have newspapers. We have left over wood sealer after the sign we bought a year ago so I use that. The dog and the cat both don’t like my wooden deer.
1:30-4 PM: Nap!
4-5 PM: I basically just watch youtube and drink a root beer. I have no energy.
5-6:30 PM: Spouse comes home, we walk the dog and I make dinner (Kraft Dinner and nuggets–I swear we eat veggies but today is not that day). We discuss the possibility of our dog at our wedding as a flower girl, and if she’ll be in a tutu or a cheongsam like me. I am now researching if they make dog cheongsams and if she can match us. The cat, despite all my heart wanting it, won’t physically be there because he will have an anxiety attack and probably die.
6:30-10:30 PM: Board game night! We go to a friend’s to repeat the same scenario we’ve lost two weeks in a row.
10:30-11 PM: I pack Spouse’s breakfast (oatmeal and frozen berries), lunch (spicy tuna and mayo) since he’s trying to go to the gym before work, and feed the animals before we go to bed.
Day Five Total: 0$
Day Six Friday
5:45-9 AM: Work. I have a deep focus block which means I can get the script for the training I have to run. Public speaking is not my strong suit and it’s a group of a thousand people so I’m not looking forward to it. Spouse almost makes it to the gym. I get an email that my new work phone has shipped. I’m surprised because they wouldn’t order us any for the past four years, but I guess my new iPhone will show up next week. I might give my old work phone to my mother in law, since she smashed the camera on the phone we bought her last year.
9-9:30 AM: I walk the dog, make a matcha and make a todo list for what we have to get done before we leave to my in laws tomorrow. I text my mother in law happy birthday, and hope that she got the card in time. She did.
9:30-11:30 AM: My last meeting for the week ends and I’m debating calling it a day so I can nap. Instead I make lunch (cheese bun and ham), text my other mother in law our plan for Saturday, and unload and reload the dishwasher and go back to work for at least another hour.
12:30-1 PM: I shower and do skin care
1-3 PM: Nap! Somewhere in this time FedEx comes and since I’m sleeping, we have to pick up on Monday. I’m not too sure what it is, I assume it’s our custom address stamp from Etsy because that’s the only thing I’ve bought recently but not too sure. I just realized in retrospect, this might be my new work phone.
3-5 PM: I prep dinner (nachos), unload the dishwasher, pack my overnight bag and confirm all our venue tours by email. I start a load of laundry and do a quick clean. I feel like this is not the best image of our diet. I swear we generally eat healthy but we both have been feeling really blah over the past two weeks so have been going for quick and easy over healthy and balanced. I do have three whole peppers and two whole avocados in the nachos though.
5-7 PM: Spouse comes home, we walk the dog, have dinner, and plan out next week. We have a big Wednesday next week (mechanic, I have a nails appointment, dance class), and we are having our friends over for Easter so we need to prep for that. We pack the car so tomorrow is a very easy start.
Spouse also gets paid today. We’re lucky that we’re on alternating pay periods, we used to be on the same and it always felt stressful. Spouse also lets me know his union has secured a 3% cost of living raise to start in Q3. I really like his union for negotiating a base 2% year of cost of living raise, with potential addition raises depending on inflation. It’s a bit away but that’s still good news.
7:30-10:30 PM: We finish The Rookie Season 3 and head to bed. Crave reminds me that I have 10 days until I’m charged again. Sadly, I think we’ll have to pay for 2 months.
Day Six Total: 0
Day Seven Saturday
8:30-9:30 AM: Wake up. No one (except the dog) slept well so we’re not in a morning mood. Spouse makes coffee and walks the dog, while I finish packing the car and give the cat a lot of attention. Our first venue tour is at 11 and the one that is the most expensive (8-10K), but also the one we probably want the most. We live about an hour away but the highway is two lanes and one accident can back everything up for hours.
10:40-1 PM: We visit our dream venue. We stay way longer than expected. Basically if the quote is under 10K, we’ll get it. Just waiting now.
1-2 PM: We get to our in-laws and have a lunch of egg salad sandwhichs. We need to buy gas. My in laws drive us to a pottery painting store.
2-4 PM: We paint pottery. My mother in law only wanted to do this for her birthday. They’ll pick it up in a week after it’s been thrown. I paint a vase (28$), Spouse paints an Easter egg (18$), father in law paints a mug (30$), and mother in law paints a plate (50$)
Total:143.36/credit card
4-5 Pm: We see another venue. It’s an instant no. My in laws decide they want to try Korean fried chicken. We call ahead for take out to get two fries and 16 pieces of half and half. It comes to 50.83$ that my in laws pay for.
5-10 PM: We come back and see that our dog has pooped in their house and also has gotten into their pantry and eaten an entire bag of dog food. It is not a fun night.
We spend the night drinking wine and discussing the wedding and watching TV.
10PM: We go to bed. That’s the end of this week, but tomorrow we will be buying gas and probably lunch for my other mother in law as we will be touring another venue.
Day Seven Total: 143.36$

Bit of a longer post, sorry bout that, but I felt it was time, perhaps once again, to point out the flaws and limitations in the CDC’s stats on sexual violence, specifically as they relate to the National Intimate Partner Sexual Violence Survey (NISVS), which is the source of all the fun stats on sexual violence that get thrown around by the 451 percenters. Who are the 451 percenters? Those the folks who believe and spread the lies bout sexual violence being endemic to society. Everyone’s a sexual predator! All 451 percent of women are violated, and all 451 percent of men are violators.
TL;DR: An analysis and rebuttal to the CDC and NISVS’s statistics on sexual violence. The CDC uses NISVS to generate the stats on punny sexual violence that make wild claims, like one third of all women, etc… the 451 percenters’ claims bout punny sexual violence. They use a ‘yes means yes’ method of determining what counts as punny sexual violence, which is aesthetics based. Elevating aesthetical concerns to ethically obligatory concerns is fascistic, and a grave moral fallacy. ‘Yes means yes’ is also puritanical, meaning it overly moralizes sexuality. Putting puritanical fascists in charge of determining how many punny sexual offenses are happening is like putting the KKK in charge of determining how many jews are sexual predators. “All 451 percent of them, obviously!”
Body Of The Post
‘Yes means yes’ is an aesthetical ethical concern, ‘Do I want it or not’. This is what the National Intimate Partner Violence Survey (NISVS) and the CDC use and reflect in their stats on sexual violence. Vibes. They are the ‘emmitt till got what he deserved’ crowd. Whistling at a lady is a criminalizable offense to these folks, a ‘punny sexual violence’.
‘No means no’ is an ethically obligatory concern, ‘Did I refuse it or not’. This is what the criminal stats on sexual violence use and reflect in their stats on sexual violence. Hard data. They are the ‘emmit till did nothing wrong’ crowd. Whistling at a lady is at most tasteless, emmitt till could do far better.
‘Wanting’ or ‘Not Wanting’ something does not consent make. I can want to fuck someone, but not consent to do so. I could not want to fuck someone, but nonetheless consent to do so. The former perhaps because I think it is a bad idea to fuck ‘em even tho I want to. The latter, perhaps because I think it is a good idea to fuck ‘em even tho I don’t want to.
The ‘yes means yes’ folks, the CDC & NISVS stats on sexual violence all mistake ‘wanting’ and ‘not wanting’ for ‘consenting’ and ‘not consenting’; these are not the same things. This is deliberate on their part too. They believe that ‘yes means yes’ is what ought to constitute a determination of sexual violence. Regardless of how y’all view that, it is a deeply controversial notion, and not necessarily reflective of what most people think of when they think of sexual violence.
‘Unwanted’ essentially means ‘I don’t like it’. It is a complaint bout the aesthetical qualities of the sexual encounter, not its consensualism. If this is at all unclear, the simplest method to understand why this is so is to note two unrelated aspects.
One is racism. People regularly ‘feel fearful’ of men for no reason at all, but they also feel fearful of men because of racism all the time. That fear factor ™ is what makes the encounter ‘coercion’ or ‘unwanted’. The person literally does nothing wrong, *just exists* and the other person freaks out.
Note in the quoted sections at the end of this post how much of the stats rely on fear and feelings to generate their numbers.
Two is the person came on too strong or in an undesirable way. The person flirts in a normal and perfectly fine way, but the other person freaks out. Think bout it people, for the love of god think bout it. ‘Coming on too strong’ and ‘an undesirable flirtation’ are being counted as ‘punny sexual violence’ in these stats.
It’s entirely puritanical, and entirely a concern bout aesthetics.
There are other sorts of coercive methods, but the point here is that the terms ‘unwanted’ and ‘coercion’ only really cash out as ‘I don’t like it for some reason or another’ in the CDC’s and NISVS’s stats.
When you see that lady spouting off bout her fears of mexican rapists, she’s reflected in these stats folks. They’re just surveys. People who lock their car doors in ‘bad neighborhoods’ are reflected in those stats.
These all translate to ‘I felt threatened’ (big black boy vibes) or ‘felt pressured’ (scary white guy vibes), or ‘felt in danger’ (native american coming to get you vibes), or ‘felt uncertain if you wanted it’ (arab terrorist vibes) or 'felt like I was being manipulated' (angry asian martial artists vibes) . Doesn’t have to be racism at play here either, women can be irrationally fearful of any man. Vibes.
The actions themselves are not criminalizable.
Non p-hacked stats try to avoid these kinds of obvious ambiguities in the language used to generate the 451 percenters’ stats. These folks however lean into the lies and deceptions, and deliberately use language designed to deceive people reading the stats into thinking that people have been harmed. They take language that means literally ‘I like or don’t like it’ and translate that to mean ‘I was sexually harassed, sexually assaulted, or even raped’.
This is how they inflate the numbers, so we get to the 451 percenters’ wacky ass beliefs; ‘451 percent of women will suffer egregious sexual violence to them at least fifty times in their lives’. All this means is vibes. 451 percent of women get some bad vibes bout some dudes.
You can hear it echoed in the bear or man discourse. Why do women choose the bear? Vibes and irrational fears. ‘We choose the bear because we don’t feel safe!’ translates directly to ‘Emmitt till whistled at me, and he’s a big black boy, that’s scary’ and ‘the mexican rapists are swarming over the border to get me’.
These are the stats that people point to when they try to justify their misandristic hot ass takes. They are self-referential to that same fear based aesthetic the stats are. The stats are reflective of peoples’ irrational fears, and people use those stats to justify their irrational fears, and people spread those fear based stats thereby spreading their unjustified fears. It’s a circle rub.
To criminalize these kinds of things is to be fascistic (treating aesthetics as if they were of obligatory concern), to believe that they are morally reprehensible is to be a puritan (overly moralizing sexuality).
The folks deriving these stats translate ‘unwanted’ (aesthetical ethics) to ‘sexual assault’, ‘sexual harassment’, or ‘rape’ (obligatory ethics), then lump everything together as ‘punny sexual violence’ to get the big numbers used to scare people and terrorize men. That’s called fascism.
“[T]here remains a likelihood of underreporting due to the sensitive nature of SV”.
This justification means that they do not trust people to report SV, ‘don’t believe women when they say they haven’t suffered any SV, manipulate the questions so they say yes to something they don’t think is SV, or which simply isn’t SV, and we’ll just call it SV of this or that sort. Later we’ll propagandize people so they too come to believe our puritanical misandristic hot ass takes.’
There is no lie nor hyperbole in what I am saying here. That is the rationale and the method. If you bone up on your academic lit in the topic, this is, well not verbatim what they say, I am lambasting them here, but this is the crux of what their argument and justifications are, and they explicitly hold that they ought be propagandizing people to their puritanical beliefs.
They push the fascistic (aesthetical ethical) and puritanical (overly moralized sexual ethics) discourse into the public by presenting stats that merely reflect fears and pretend that they are reflective of sexual violence. People then come to believe that those kinds of fear based concerns are actually sexual violence. An ‘unwanted flirtation’ becomes in their minds and only in their minds a sexual violence.
Emmitt till got lynched for whistling at a lady. They only disagree bout the racism, but he definitely deserved to be punished in some way like all men do for whistling at someone they think is hot af. Puritanism.
All just vibes, all but aesthetics, and all fascistically raised to a level of ethically obligatory concern.
“Just as SV is not limited to physically forced penetration, its perpetrators are not limited to strangers. Indeed, perpetrators of SV are more likely to be someone known to the victim. Sexual violence is a problem embedded in our society and includes unwanted acts perpetrated by persons very well known (e.g., family members, intimate partners, and friends), generally known (e.g., acquaintances), not known well or just known by sight (e.g., someone in your neighborhood, person just met) and unknown to the victim (e.g., strangers). “
Be afraid of everyone, any man out there could be your next rapist! That’s right ladies and gents, you’ve been raped several times already, you just didn’t know it. But don’t worry, the statisticians know better. They asked you an unrelated question you said yes to since you were too dumb to know that you were raped, and counted it as rape. Then they informed you that you ought be afraid of everyone in your community, lest they also rape you, unbeknownst to you of course. But again, don’t worry, the statistician will count those too.
As a measure of fear the 451 percenters capture, well or worse who knows, all the racism, sexism, bigotry, and various phobias in the society, and how those fears are transferred onto masculine bodies as imaginary perpetrators of punny sexual offenses. None of it is real, there are not 451 percent of sexual violences happening, 451 percent of men are not sexual predators, and 451 percent of women are not victims of sexual violence.
‘Safety culture’ mostly reflects irrational fears.
Ask the kkk how many black people are rapists, you’re gonna get a high number. Ask puritans how many people are punny sexual offenders, you’re going to get a very high number. Such is the most tame interpretation of what is going on. The 451 percenters are puritans, they’ve overly moralized sexuality, counting offenses to their sensibility rather than criminal actions.
Puritans informing you how ‘vile and wicked’ your sexual ways are; advocating to make their puritanical beliefs bout punny sexual offenses into legally enforceable laws. These are the same kinds of concerns bout a someone dressing too provocatively, such is a ‘punny sexual violation’ to the sensibilities of others.
The less tame version of this is that it is exactly what fascists do. Lie to people especially bout punny sexual offenses in order to ratchet up the fear levels in the population, so they run to them to solve the ‘problem’.
Could be both tho.
Either way, their misandry murders little boys. They celebrate terrorizing men, and rejoice in lynching folks. They’re despicable people.
Solutions?
Ruthlessly love them. Write them love poems, show them kindness and generosity of spirit, but give them not a dime in money, nor ever relent to their irrational fears. Extol their beauty and virtues, make love with them, utterly ruthlessly. Be overtly sexual bout it, in this give them no quarter, bring to an end their puritanism by giving them no plausible cause to be thus. No one under the duress of loves’ enticements and sexual pleasures be puritans. Be relentless, show them masculine sexuality; give them nothing to complain bout, but give them masculine sexuality. Don’t fall for their puritanism, be the boys of summer.
Respect a ‘no means no’ ethic as a code of obligatory actions. Use aesthetical ethics towards good sex with mutual respect given; don’t ever take that as a one way thing. Do not conflate the aesthetics of good sex, 'enthusiastic yeses’ with those of the ethics of obligation ‘no means no’. Don’t be puritans, don’t be fascists, be sex positivists.
Call out the stats when folks bring them up, refer people to these points, feel free to refer people to this post and/or the attached video. ‘But the CDC said’ is not a valid argument; they have put puritans in charge of determining punny sexual offenses. They find punny sexual offenses everywhere they look.
If you’re super coolio, start advocating against the CDC’s use of NISVS to determine what constitutes sexual violence. It doesn’t match with criminal data’s methods, it doesn’t utilize the metrics of ‘no means no’ which are the proper metrics to use, instead it utilizes what amounts to peculiar beliefs bout the aesthetics of sex as a means of measure for punny sexual offenses.
They are spreading a puritanical belief system bout punny sexual offenses, nothing more, and they are causing public health problems by spreading their lies. They are not counting sexual offenses, they are not a criminal justice system, they aren’t technically even in the business of understanding sexual violence. They are the Center For Disease Control, not the ‘center for social engineering sexual practices control’.
Original video on the topic, with some additional resources for understanding these issues in the description.
The Rest Of This Post Is References To The CDC, NISVS, And Crime Data Reports, Along With Some Quotes Thereof With Short Specific Retorts Highlighting The Relevant Info In The Quotes As It Pertains To The Post. This Is But A Small Sample Of How They Use Language Of Aesthetics To Make Their Ethical Claims, And How Their Language Is Misandristic.
sv_surveillance_definitionsl-2009-a.pdf (cdc.gov)
Fast Facts: Preventing Sexual Violence Violence Prevention Injury Center CDC
Key Terms & FAQs National Intimate Partner and Sexual Violence Survey (NISVS)Funded
Programs Violence Prevention Injury Center CDC
Some key quotes from this, Bolded text hereafter are coded for ‘yes means yes’ methods of understanding sexual violence, and sometimes misandristic language. Italicized text are quotes from the sources:
“Rape is defined as any completed or attempted unwanted [unwanted is an aesthetic criteria, not a consent criteria which is ‘a no was stated’ attempted while a real thing allows for further insertion of scary vibes to pad the stats, e.g. the blackness of the lover] ...includes times when the victim was drunk, high*, drugged, or passed out and unable to consent.* [puritanical belief bout drinking and drugs, e.g. one cannot consent if drunk or high. Note that it is separate from being drugged or passed out and unable to consent, and that criminally speaking being drunk or high is not indicative of a lack of capacity to consent, also note this is de facto applied to women only].
“Sexual coercion is defined as unwanted sexual penetration that occurs after a person is pressured in a nonphysical way. In NISVS, sexual coercion refers to unwanted vaginal, oral, or anal sex after being pressured in ways that include being worn down by someone who repeatedly asked for sex or showed they were unhappy; feeling pressured by being lied to, being told promises that were untrue, having someone threaten to end a relationship or spread rumors; and sexual pressure due to someone using their influence or authority.”
Unwanted is an aesthetic category, not a consent category. ‘Sexual coercion’ is not a criminal offense either. It is a puritanical belief bout sexuality that is based on a sex negative view, e.g. that sex is a bad unless and until magical words are said to make it into a good. Calling it ‘sexual violence’ is just lying. Coercion is defined misandristically to only be bout penetration, which precludes all the ways that women use sex and sexuality to manipulate, use, abuse, and harm people; note that there are essentially zero surveys done that include some ‘feminine coded coercive behavior’ into these stats. That is by design. Including not incidentally the way that women have historically and currently used irrational fears over their sexuality to terrorize men and get people murdered.
“Unwanted sexual contact is defined as unwanted sexual experiences involving touch but not sexual penetration, such as being kissed in a sexual way, or having sexual body parts fondled, groped, or grabbed.”
Unwanted is aesthetics, not consent. Also this literally describes flirting. I know they want to try and capture some other sort of notion, grossy mcgrosser pinning someone down and groping them, but all this describes here, and all the stats can possibly reflect, is flirting.
“Non-contact unwanted sexual experiences is defined as those unwanted experiences that do not involve any touching or penetration, including someone exposing their sexual body parts, flashing, or masturbating in front of the victim, someone making a victim show his or her body parts, someone making a victim look at or participate in sexual photos or movies*, or* someone harassing the victim in a public place in a way that made the victim feel unsafe.”
This category is quite broad and puritanical in its disposition, as it assumes there is something wrong with seeing naked images unless and until expressed verbal consent is given, and undoubtedly ignores the en masse flood of naked images of women online to which basically every guy is exposed to. Compare again to people who claim that women ought not be allowed to show their ankles as it causes a ‘harm’ to those who are ‘forced’ to see it. Exact same shite. Aesthetical concerns of wanted or unwantedness, and also notice the expressly stated vibes check ‘victim feel unsafe’. Look out for the black boys, they make them feel unsafe!
Crime/Law Enforcement Stats (UCR Program) — FBI
Quick Facts on Sexual Abuse Offenses (ussc.gov)
It’s worth mentioning that statistically speaking, if one uses the stats derived from crime data as opposed to statisticians making numbers up, the percentages of men who do sexual violence, depending a bit on how you count it, are: 0.0516% or .478% or .0957%. Although the video goes over this all in pretty good depth, just do a little sniff test here; are .478% of the male population sexually violating a third of all women, 55.5 million women?

nothing is worse than survivors loading in right on top of a hex
considering how easy it is to lose a hex totem, especially when SWF coms are in the mix. and they cant be restarted like boons.
when i run hex totems i always rush them at the start of the game knowing full well 80% of the time survivors will start within 20 ft of them. either hexs should be blocked from being completed for the first 180 seconds of a trial or ..
i feel like hexs should have minor effects. with the exception of haunted ground retribution. undying already kind of has one.
example. Hex: noed. major: should allow you to down any survivor in one hit with the exception of basekit borrowed time. minor you gain 4% movement speed when all gens are completed.
ruin: major: automatically regress gens 100% while the totem is lit minor: you take a further 5% regression for all gen kick events.
hex: blood favor: minor: pallets will break 5 seconds after they have been vaulted a 5th time.
hex crowd control minor: survivors in your terror radius vault pallets and windows 3% slower.
hex: the third seal minor : all survival aura reading is reduced by 15 meters.
the numbers here are all made up. but i feel like having minor effects instead of flat out being perkless would be a much better system.

(Mods: Apologies if this isn't allowed here and if so then please delete without prejudice.)
So, this story came up in random conversation this past weekend. I had almost forgotten about it but I had told a friend about it eons ago, he reminded me of it this past weekend, and now it's stuck in my head. This is the mother of all long shots and I expect this to fail, but it's the internet so you never know.
This would have been sometime between 1987 and 1990 -- I would have been 17-20YO -- and I'm pretty sure it happened during Christmas season but I may be mistaken. (There wasn't any snow on the ground but then again I also probably wouldn't go to Woodbridge Center at that time except for Christmas shopping.) I was driving my car (a gray 1981 Camaro) with a friend riding shotgun and we were waiting on Woodbridge Center Drive to turn left onto Route 1. There were people at the traffic light doing a fund raising thing, selling roses to the people in the waiting cars. I happened to glance in my rear view mirror and there was a very pretty girl driving a Camaro (third generation, so 1982-1992 -- may have been a Firebird but I'm pretty sure it was a Camaro) behind me, so on a whim I rolled down my window, called over the flower guy, bought a flower, and asked him to give it to the driver of the car behind me. He did, pointing me out in the process. She smiled and laughed, I waved, she waved, the light turned green and we all made the left turn onto Route 1 South and drove off. Traffic was heavy so she never got parallel to me; I never saw her beyond what I could see in my rear view mirror, and she pretty much never saw me at all except for the hand that I waved. She pulled off Route 1 before I did (at the Parkway entrance, maybe) and that was the end of it.
I never intended my action to be anything more than a little random act of kindness but now, 35-ish years later, I'm wondering what ever happened to that girl and the rose she got from a stranger that she never met. So, if this long shot to end all long shots happens to meet its mark, tell me what color your car was so I know it was you and say hello. :-)