pecancoffee deleted from /SimpleLoans

• Account is deleted or shadowbanned
• Flair: PRE-ARRANGED
• Link to the deleted post
• Was a selfpost with score: 1
• Submitted 2023-05-04 10:54 (UTC)
• Was up for for approx 380.54 days
• Probably deleted within the past 2.25 days
  • Was last seen up around 2024-05-16 17:46 (UTC)
  • Deletion detected at 2024-05-18 23:47 (UTC)

Quick search

• Search for all deleted posts by this author

Title

[REQ] ($400), (Houston, TX, US) (Repay $600 on 6/9)

Post contents

Hi All,
Requesting a loan of $400 to round up some last-minute moving expenses! I will pay back $600 promptly on 6/9 via the agreed payment method. Payment would more than likely be sooner than this date.
This would be my third completed loan on SimpleLoans. The first 2 were completed with a former lender on this sub and I will provide the necessary reference if needed, along with paystubs. I am seeking to create a healthy loan history here so I may receive potential loans in the future.
​
Thank you for your consideration.

I feel like i am drowning and am starting to get really scared and depressed. I got cancer in 2019 and went thru a major depression so i was unable to work all while my husband was trying to start his business so it was very tight at that time so we were racking up our cc’s… then covid happened and he ended up closing his business while i worked my low paying job to build experience in a new industry.
Fast forward- the house we live is in probate (we are in so cal/la county). We have not been able to do loan modifications and forbearance because we were waiting for the letters appointing my husband as the executor. During this time our loan got bought out by selene. They requested a birth certificate which we ordered but will take maybe another 2 weeks to get. During this time, we received a notice that a notice of default was entered. There is currently 2 properties- 1 is paid off and a rental currently with a tenant that isnt paying with a pending eviction case. The home we live in is the main we want to stay in but has a delinquent mortgage of 150k out of 280k remaining. The plan was to sell the other home and pay off the remaining balance but our target end date for probate is next year sept and our foreclosure is set to kick in end of Aug. We wanted to do the covid forbearance and do loan modification but since my husband was not appointed to be executor, we were unable to do so until now but it seems like all the protections are all expired?…. My husband and I make ok income combined but we are having to choose between our high cc payments + mortgage but clearly id much rather choose a home than my credit. We can try to do a probate sale but we need to evict the tenant first… so we are currently looking into all options such as chapter 13 while waiting for my husbands birth certificate to arrive. Any advice or personal experience would be greatly appreciated.

Welcome to /gofundme!

____
In an effort to make your crowdfunding efforts more successful here on Reddit, some background first:
​
Credibility, Community, and You
AKA, Why Do We Have Account Requirements?
In many of the gifting and fundraising subs, you'll notice that without a certain amount "karma" and an account that's old enough, you'll garner down votes or worse, your posts and comments get automatically removed.
Why?
To many Redditors, this place is a community built on activity. The "coin" of the land here is your account, and how much you've contributed to the Reddit community at large reflected in post and comment karma.
As a general rule, Redditors dislike the creation of accounts specifically to fund raise or to make requests. It makes it seem like these people simply treat Reddit as some sort of magical internet wallet, and that doesn't win many friends.
The other reason why new accounts are so disliked is that they're often alternate accounts of established users, in order to hide their activity from people they know. While we do sympathize with those of you who have valid reasons, this privilege is often abused by those who create disposable accounts to scam people for a quick buck.
So if you're new to Reddit, welcome! Spend some time and look around for something that catches your interest and chat it up with others and become part of the community!
However if you're here for the sole reason of making requests in a hurry, please be aware your pleas for help will likely be ignored.
​
**REMEMBER, CREDIBILITY AND COMMUNITY IS EVERYTHING!**
​
For this reason, the mods will not post anything on behalf of any user that does not meet account requirements.
_____
Account Requirements
All accounts must meet BOTH of the following:

1. Account age of 90 days or older.
2. *Comment* karma of 250 or greater.

NOTE: We are specifically looking for *COMMENT* karma. The karma value you are probably looking at is a COMBINED value, consisting of both Link/Post karma plus Comment karma.
​
To view your karma breakdown:

• Mouse-hover over your username on desktop. This works for both the old and redesigned web site.
• On the official Reddit app for iOS, view your profile, then tap the karma value shown.
• On the official Reddit app for Android, view your profile, then tap the karma value shown.
• On the unofficial Reddit App for Android, RIF (Formerly known as Reddit is Fun), your breakdown is listed on your profile screen.

​
The following circumventions will result in a ban, and get you added to the UniversalScammerList:

• Using a karma farming subreddit, such as Karma4You. Also posts and comments asking for karma or complaining that you don't have enough karma counts as karma farming.
• Unsolicited private messaging to push your campaign.
• Posting your campaign on someone else's post. (EVEN ON THIS ONE!)

Comment Karma is directly correlated to how many comments you leave plus/minus any points as people upvote a popular comment or downvote an unpopular comment.
_____
Rules
​

1. Posts must be more than just a link to your campaign. Be descriptive! Be prepared to show evidence if needed. If the mods find it lacking, it may be removed.
2. Please Flair your posts, once created. If you don't know how, just let the mods know and we'll do it for you.
3. Only 1 GoFundMe per user. We want you have some personal connection to the campaign, and not submit multiple GFMs simply because they were in the news.
4. Reposts are allowed once a week. If a repost comes up too early, the newest one(s) will be removed.
5. Crowdfunding sites only. No crypto currency, direct PayPal, cash transfers, trading or loans. Our scope is only GoFundMe and other crowd sourced funding sites.
6. Don't PM people to make requests. If you receive an unsolicited private message, please let us know!
7. Do not post politically-related campaigns. They're just too divisive. Also, they're too often used to scam people (remember the campaign to fund Trump's wall?).
8. Trolling will not be tolerated and offending users will be banned.
9. Don't bug the mods for an exception to the account requirements. None will be given. If you attempt to circumvent the requirement by karma farming or by commenting on someone else's post, your account will be banned.
10. No posting for other Redditors. No Alts. This is viewed as a circumvention of the requirements and the accounts in question will be banned. (New Oct 22, 2020)
11. No referral links. A referral link like that isn't likely to solve anyone's financial problems in the time frame they need. (New March 16, 2024)

Any referral links posted here will be flagged as spam, and may trigger your account to be added to Reddit's site-wide spammer list.
_____
Supporting Information Requested
We aren't the government. We aren't a court of law. We definitely don't want you to give out information that could lead to identity theft. However, some campaigns are more successful when they have additional documentation.
This includes:
- Pet related requests: Photos of your pet in question, with your username on a handwritten note in the picture. This helps show you actually own the pet in question.
- Education related requests: Documentation showing enrollment or acceptance if you are asking for assistance for school.
- Redacted bills showing your situation. In some cases, a donor may prefer to pay a creditor directly on your behalf, so be prepared and find out if that is available to you.
- If you are sharing a campaign for a registered certified non-profit organization (such as a 501c3 or NGO), you should say so in the post, and it should list that status on the campaign page/web site.
- Or other relevant documentation that can help establish credibility.
- At minimum, an unobstructed selfie photo of yourself(the submitter) holding a handwritten note of your username is required if none of the above apply.
Low effort posts that simply say to the effect of, "everything is listed in the GoFundMe" (or less!) will be removed.
_____
Advice On Making Your Campaign Go Further
Not all crowdfunding campaigns are the same, but here are some suggestions.

• Make sure your campaign has been shared among your Facebook friends! You might think it's embarrassing, however your friends and family are more likely to care than internet strangers.
• Show that you've exhausted all the other possibilities. A lot of potential donors don't like to give money when it seems like the requester's first and only solution is to simply throw someone else's money at the problem. Nobody is going to take your word when you literally only say, "but I've done everything!", when the actual reality is probably closer to "I've done everything I can think of", which arguably is NOT everything.
• Show that there's a plan to use the money wisely. Often people have campaigns for their business ideas, but it doesn't really seem like they thought it all the way through. Tell people what steps you've taken so far, and what you're going to do next.
• Be open to critics. If there's something that people ask about, you should not be dismissive. Provide more detail. There's a possibility that they know something you don't, or they have something different about their own experience that might be useful to you. If you simply brush off your critics, it shows objectively that you're not doing everything possible.
• Review your own campaign with the mindset of a potential donor. Ask yourself, "Would I give money to this?" Or get a friend to review it for you.

_____
Questions?
Please don't hesitate to ask the mods!
​
... Unless you're trying to ask for an exception to the account requirements.

I feel like i am drowning and am starting to get really scared and depressed. I got cancer in 2019 and went thru a major depression so i was unable to work all while my husband was trying to start his business so it was very tight at that time so we were racking up our cc’s… then covid happened and he ended up closing his business while i worked my low paying job to build experience in a new industry.
Fast forward- the house we live is in probate (we are in so cal/la county). We have not been able to do loan modifications and forbearance because we were waiting for the letters appointing my husband as the executor. During this time our loan got bought out by selene. They requested a birth certificate which we ordered but will take maybe another 2 weeks to get. During this time, we received a notice that a notice of default was entered. There is currently 2 properties- 1 is paid off and a rental currently with a tenant that isnt paying with a pending eviction case. The home we live in is the main we want to stay in but has a delinquent mortgage of 150k out of 280k remaining. The plan was to sell the other home and pay off the remaining balance but our target end date for probate is next year sept and our foreclosure is set to kick in end of Aug. We wanted to do the covid forbearance and do loan modification but since my husband was not appointed to be executor, we were unable to do so until now but it seems like all the protections are all expired?…. My husband and I make ok income combined but we are having to choose between our high cc payments + mortgage but clearly id much rather choose a home than my credit. We can try to do a probate sale but we need to evict the tenant first… so we are currently looking into all options such as chapter 13 while waiting for my husbands birth certificate to arrive. Any advice or personal experience would be greatly appreciated.

Hello, I have my current FICO score at around ~700. My credit history is mostly just a mix of different credit cards and I'd like to add some variety fo the mix in order to boost it a bit more. I am well to do financially however my credit score took a bit of a hit back in ~2018 or so when I wasnt doing well and became a bit irresponsible with my finances and payments.. I am in a much much better position today.
I have been doing tons of reading on the PenFed SSL and have already opened a savings account there and am in the process transferring some funds to it.
Here are my questions:

1. What should be the amount of the length requested, is there any specific minimum?
   
2. After I pay the loan down to 8.9%, what should be the term of the loan after that, can I just pay the rest off with monthly payments for 12 months or is that not a long enough term?
   

Any other feedback is greatly appreciated. Thanks!

Me and my partner have a household take-home income of £6,100pm (after tax, pension, student loan deductions). Is a £2,300pm mortgage too much for us? We're FTBs and have no idea what's typical or a lot for a mortgage and what percentage of your pay is reasonable towards a mortgage, so any advice appreciated! All we know is we'd be paying around the same to rent a decent sized flat or very small house in a similar area.
We're just looking for a pretty modest 3 bedroom family home - unfortunately yes, we're looking in the London commuter belt. We have a solid deposit. Also is this the kind of thing a mortgage broker could advise us on?
Edit: Just adding expenses and context as requested, thanks.

• Full-time permanent professional jobs, both relatively stable
• My partner is expected to get a 5k bonus this year
• No kids, no pets
• Expenses: just our current rent and utility bills which I guess are irrelevant. Then train commute to the office 1-2 days a week (maybe £120pm combined?) + groceries and eating out/takeaways (maybe £300-400pm) + £200pm for joint gym/tennis club membership. We also own a 15yo car that's cheap to run for trips and errands.
• We're quite minimalist and don't generally buy much 'stuff'
• We have no debt
• Saving around £1000pm at the moment, depending on holidays, events, or other surprise expenses. But obviously expect to save less after house purchase.

couldwebe deleted from /SimpleLoans

• Flair: REQUEST
• Link to the deleted post
• Was a selfpost with score: 2
• Submitted 2024-05-18 16:57 (UTC)
• Was up for for approx 0.17 days
• Probably deleted within the past 0.01 days
  • Was last seen up around 2024-05-18 20:53 (UTC)
  • Deletion detected at 2024-05-18 21:06 (UTC)

Quick search

• Search for all deleted posts by this author

Title

[REQ]($500)(Hayward, CA)(Payback $600 by 6/15)(Paypal)

Post contents

Third request here. Challenging myself to turn this into $3000 by Memorial Day. I will keep the lender informed of my progress.

Currently there are 306,186,849 shares of common stock outstanding. Last week, the posted snapshot from Bloomberg indicated that in sum about 1.2 million shares have been bought by GameStop under rule 10b-18. This would decrease the publicly available share count to approximately 305 million. GameStop have now declared they may at any time issue an additional 45 million common shares and 5 million preferred shares.
Tinfoil Prediction: they will issue 10 million common shares at market price and raise the share count (ex counterfeits) to 315 million. That number is divisible by 7. After issuance of those 10 million common shares, they will issue one (fraction of a) preferred share for every 7 common shares (741). The preferred shares will be issued via an issuing agent which happens to be Computershare. Accounts held with the transfer agent, which also happens to be computershare, will receive the preferred shares directly and the remaining 60-70% of preferred shares will be dumped on the depo (DTC) or the brokers, who then can try to distribute them (lol) or rather fight for them because: Holders of shares of Common Stock held in “street name” through a brokerage account, bank or other nominee will not receive physical rights certificates and must instruct their broker, bank or other nominee whether to exercise Subscription Rights on their behalf.
The clue is in the name and preferred shares have some preferable status, such as regular dividends etc. In this particular case, they may have the non-transferable and non (cash-)substitutable right attached to a subscription of common shares, meaning the right to acquire common shares at a predefined price such as for a discount to the market price. This makes preferred shares inherently more valuable than common shares (take a look at BNED this week and their filing on 15 May 2024). Consequently, market participants may compete to receive the preferred shares and may pay a premium for common shares prior to issuance of preferred shares or recall the ones which may have been lent. This may put shorts under water. GameStop may use the proceeds from issuing 10 million shares to strengthen the balance sheet. GameStop might also incentivize holders of preferred stock further by issuing other benefits such as NFT divis, wu tang audio etc. However, the proceeds may also be used to finance equity investments in compliance with GameStops investment policy or repurchase of their common stock. The continuation of such repurchases under rule 10b-18 may be particularly interesting at the time due to the volume restriction based on average trading volume of the preceding four weeks at the time of a buyback under this rule. Currently, the 10 day trading volume is 73.1 million shares (according to Schwab). This is another factor that might put shorts under water. To spell it out clearly: given the action of the last week, GameStop could currently raise capital (but don’t need to) and repurchase a fat amount of its own common stock on the free market and yet remain in compliance with the safe harbor rule.
Substantial rises in the stock price could then incentive GameStop to issue more of their remaining 35 million shares of common stock to procure working capital or capital for future buybacks. However, a decreasing stock price could incentivize GameStop to issue shares and then repurchase them at a lower price, continuously decreasing the share count and thus applying upwards pressure on the price in the long run. Holders of common stock AND preferred stock need not worry about this since proceeds from the business activities could then be rerouted via preferred shares. In the end, every market participant had a right and chance to gain his preferred shares, right ;)
Edit: fractionalizability of preferred shares as defined in the recently published S3 document.
Edit 2: Relevant Barnes filing:
BASKING RIDGE, N.J.--(BUSINESS WIRE)--May 15, 2024--Barnes & Noble Education, Inc. (NYSE: BNED) (“BNED” or the “Company”), a leading solutions provider for the education industry, announced today that its registration statement for its fully backstopped $45 million equity rights offering (the “Rights Offering”), was declared effective by the Securities and Exchange Commission (“SEC”) on May 14, 2024.
The Rights Offering is one of the previously announced proposed transactions (the “Transactions”) contemplated by the Company’s definitive agreement with Immersion Corporation (NASDAQ: IMMR) (“Immersion”), and certain of the Company’s existing shareholders and strategic partners, that will enable the Company to substantially deleverage its balance sheet, strategically invest in innovation and operate from a position of strength. The Transactions remain subject to shareholder approval and other closing conditions.
Upon closing of the Transactions, which is currently expected to occur in June 2024:
BNED will receive gross proceeds of $95 million of new equity capital through the Rights Offering and a $50 million new equity investment led by Immersion; the Transactions are expected to infuse approximately $75 million of net cash proceeds after transaction costs;
The Company’s existing second lien lenders will convert approximately $34 million of outstanding principal and any accrued and unpaid interest into BNED Common Stock; and
The Company has received commitments to refinance its existing asset backed loan facility, pursuant to an agreement with its first lien holders, providing the Company with access to a $325 million facility (the “ABL Facility”) maturing in 2028. The refinanced ABL Facility will meaningfully enhance BNED’s financial flexibility and reduce its annual interest expense.
Through the Rights Offering, BNED will issue 900,000,000 shares of its common stock, par value $0.01 per share (the “Common Stock”) at a cash subscription price (the “Subscription Price”) of $0.05 per share. In the Rights Offering, BNED will distribute to each holder of record of its Common Stock on May 14, 2024 (the “Record Date”) one non-transferable subscription right (each, a “Subscription Right”) for every share of Common Stock owned by such holder on the Record Date, and each Subscription Right will entitle the holder to purchase 17 shares of Common Stock. Each holder that fully exercises their Subscription Rights will be entitled to Over-Subscription Rights to subscribe for additional shares of Common Stock that remain unsubscribed as a result of any unexercised Subscription Rights, which allows such holder to subscribe for additional shares of Common Stock up to the number of shares purchased under such holder’s basic Subscription Right at $0.05 per share.
If any Subscription Rights remain unexercised upon the expiration of the Rights Offering after accounting for all Over-Subscription Rights exercised, the standby purchasers led by Immersion, Outerbridge Capital Management, LLC and Selz Family 2011 Trust will collectively purchase, at the Subscription Price, up to $45 million in shares of Common Stock not subscribed for by the Company’s stockholders.
The Company will not issue fractional shares in the Rights Offering or cash in lieu of fractional shares of Common Stock. Any fractional shares of Common Stock that would be created by an exercise of the Subscription Rights will be rounded to the nearest whole share.
The Company expects that the net proceeds of the offering will be used to pay expenses in connection with the Transactions and reduce the balance under the Company’s ABL Facility.
The Company expects that Computershare Trust Company N.A., the subscription agent for the Rights Offering, will mail rights certificates and a copy of the prospectus for the Rights Offering to holders of record of Common Stock as of the Record Date beginning on or about May 15, 2024. Holders of shares of Common Stock held in “street name” through a brokerage account, bank or other nominee will not receive physical rights certificates and must instruct their broker, bank or other nominee whether to exercise Subscription Rights on their behalf.
The subscription period will expire at 5:00 p.m., Eastern Time, on June 5, 2024. However, the Company may extend the period for exercising the Subscription Rights. Subscription Rights that are not exercised by the expiration date of the Rights Offering will expire and will have no value.
The shares of Common Stock to be issued upon exercise of the Subscription Rights will be listed for trading on the New York Stock Exchange (“NYSE”) under the symbol “BNED.” The Subscription Rights are non-transferable and the Company will not be listing the Subscription Rights on the NYSE or any other national securities exchange.
Neither the Company nor its Board of Directors has made or will make any recommendation to holders regarding the exercise of Subscription Rights. Holders should make an independent investment decision about whether or not to exercise their Subscription Rights based on their own assessment of the Company’s business, the Rights Offering and the other Transactions.
Questions about the Rights Offering or requests for a copy of the prospectus related to the Rights Offering may be directed to the Information Agent, Innisfree M&A Incorporated, at (877) 800-5185. (Banks & Brokers may call collect: (212) 750-5833.
Other Important Information
The issuance and sale of shares of Common Stock pursuant to the Rights Offering is subject to, among other things, the approval of our stockholders at a special meeting (the “Special Meeting”) to be held on June 5, 2024. If the issuance and sale of our Common Stock pursuant to the Rights Offering is not approved at the Special Meeting, then the Rights Offering will be cancelled. The Rights Offering is being made pursuant to the Company’s registration statement on Form S-1 (File No. 333-278799), which was declared effective on May 14, 2024. The Company reserves the right to cancel or terminate the Rights Offering at any time. This press release does not constitute an offer to sell or the solicitation of an offer to buy any Subscription Rights or any other securities to be issued in the Rights Offering or any related transactions, nor shall there be any offer, solicitation or sale of Subscription Rights or any other securities in any jurisdiction in which such offer, solicitation or sale would be unlawful.
Edit 3: Barnes pumped 150% on Friday.

I'm just sharing this post because I want to vent and don't really have anyone close to talk to about this. I am a trans woman in my 30s and have been on hormones for some years now. I live in a place where trans people are terribly discriminated against and the law doesn't defend us either.
Despite having a couple of university diplomas and speaking several languages, I've been forced to suppress my gender identity in order to get a decent job. My only hope has been moving to another country where I can live freely and be myself, although it's not an easy task.
Over the last few years, I've been saving as much money as I could to pay for a postgraduate program abroad that would allow me to live there. However, my savings are not enough, considering that I'm independent and also provide for my mother. So, I applied for a loan program to sponsor students from my country who want to study abroad. I had previously been admitted to a great university and even got a partial scholarship there, and I also met all the requirements to be considered for this program.
I was so hopeful that this could be my opportunity to change my life. However, my request was rejected, and with that, all my hopes and dreams. Now, I feel so devastated and frustrated to know that all my effort has been useless and meaningless, to know that there won't ever be any chance for me to be who I've always felt I am. I'd like to know if you have ever been through a similar situation and how you've been able to deal with sadness and frustration.
Thanks for reading.

34 yo male making 90k per year and I need advice on how to move forward.

1. I’m currently separated from my wife and moving towards divorce. She made a huge financial decision without me knowing which led to issues. To fix this, she enrolled us in a debt management program. Which we pay into each month.
   
2. We own a home together and with the divorce looming we will sell and use the proceeds to pay off shared debt. Afterwards we will still likely have about 15k or so in shared debt. She has left me to really take care of paying for most of the home repairs on my own. I have about 2k in my savings account after all repairs to put the home on the market. I will need to use this 2k to find a new place to live, and will only be able to rent.
   
3. The proceeds from the house will not cover all of our debt. Im a former Texas educator and have close to 45k in my Teacher retirement system (TRS). Since I no longer contribute to it, I can request a refund of that money to use to start fresh and payoff some remaining debt.
   

My questions:

1. Should I take the money from my TRS account? If so, should I wait until the divorce is final?
   
2. If I wait until the divorce is final, I need options to move forward. Any advice is welcomed.
   

Side notes:
I don’t want to drag out a divorce because I’m ready to move forward with my life. A lawyer and fees come out to about 2400. But obviously can’t use my savings to pay it because I need it to move.
Our house goes on the market in about 2 weeks.
I drive share ride to bring in a little extra money but ultimately, I don’t have much right now. I’ll add that we have a kid that we are sharing custody of so that limits my ability to drive because he’s a young child.
I’m happy to share more context if you need it.

Went through the entire process of selling my house, escrow is set to close in 2 days. But despite multiple attempts to contact someone to request a letter that states I paid off my loan, they still haven't sent me anything.
The buyer's lender won't fund their loan unless I get that letter.
But Tesla finance never answers the phone. Ever. You can leave a message and then few weeks later they'll send you an email. But I can't wait weeks. They're literally going to ruin my home sale and I'll have to start over with putting it back on the market which will delay my move for months.
It's such a simple thing. Just email me a page!

Being totally true to the original game, we would actually add these a week and half into the game after everyone had just been making up their troop numbers. What follows is a slightly modified form of the rules that were on the original wiki.

Code of Chivalry

YOU MUST READ THROUGH THESE RULES IF YOU WISH TO PARTICIPATE IN THE SUBREDDIT! THEY ARE VITAL TO KEEPING THE SUBREDDIT FUNCTIONING IN THE MOST IDEAL MANNER!

1) Time

• Time in /westerospowers does not progress at the same rate as IRL. For more effective interaction, it is sped up.
  
• 1 day IRL = 2 months in WP
  
• Like in /worldpowers, Sunday is not counted in WP, this is a day off where houses can post [NEWS] for the week relating to their holding. [EVENTS] cannot be created, nor [CONFLICTS]. Basically, no action other than [NEWS], [CLAIM] or [META] can take place on Sunday. In your post, put the WP time, not IRL time (for example) : 4 months . (this would be 2 days IRL)
  

2) Claiming

You can claim a holdfast and a house/faction, which will give you dominion over it's adjoining lands. For example; House Baratheon and Storm's End, or Vaes Dothrak and the Dothraki Sea. There cannot be more than one of each house, unless an agreement has been reached, and then no more than two. The two must also be easily distinguishable (i.e. Stannis/Renly Baratheon).
Click here to see what can and can't be claimed.

• When you claim, use the [CLAIM] tag and state the house and holdfast in your title, and then use the description to tell us what you want your style to be (e.g. Kingslayer, Lion of the Rock, Red Viper, Mother of Dragons).
  
• Once you claim a holdfast, we will do the best we can to quickly get it on the Claimed List. Remember, we fuck up too, so feel free to message the mods.
  
• You may abandon your holdfast at any point in the game and claim another one. However, you will only be able to do so again after 1 month.
  
• ORGANIZATIONS NOT MENTIONED IN THE LIST ARE NOT AVAILABLE CLAIMS. It doesn't matter if they exist in the ASOIAF universe, you cannot claim the Faceless Men or Sellsword Company #91238 if they're not listed.
  

3) Wiki

• Once you claim a holdfast, we will make a wiki page for you. Make sure to include your title and , a brief description of your house, your prominent laws and regulations, and any alliances, or allegiances you have.
  
• Example, The Citadel
  
• Please update your wiki, it makes it easier when people want to find out about your house for alliances/fealty etc.
  

4) Etiquette

POSTS
DO

• Use a tag: [CLAIM], [EVENT], [EXPANSION], [CONFLICT], [NEWS], or [META].
  
• Announce anything important, agreements, events, and make decrees. Celebrate or commiserate occasions, such as marriage contracts, welcoming a new sworn sword, mourning a death, completing construction, weddings, funerals, etc.
  

DO NOT

• Be stupid. Play the game of thrones, be patient, forge alliances, and don't unveil your moves until it's too late. Open war is not always the most feasible option. .

.

5) Duel

[DUEL] will be used for starting duels. A duel will consist of a 1v1 battle between two characters. Each belligerent will post a role playing story of the last few minutes before the fight begins. The "home team" gets to make the first post so they can describe the location of the duel. The stories will be voted upon and the post with the most upvotes (not overall score because we're ignoring downvotes) will win. The winner will then post a [DUEL - RESOLVED] post that describes the fight. If a stories score doubles (minimum winner score 4) the other's the winner may kill the loser. Otherwise, all duels end with a capture or injury.

6) Conflict

It is natural that houses will wish to attack other houses for land and resources, or simply to keep things interesting. This is fine, but it is wise to consider diplomacy before calling the banners.

How do I create a Conflict?

• Make a post using the [Conflict - Rally] tag declaring that you are rallying your allies. This step will be used for a lord to call his allies to rally on him for a coming battle. Any lords that wish to participate in a coming battle must respond to this post (with the amount of troops rallied) in order to be counted in the battle. Any forces that were loaned to a lord by an [Event] post can be rallied by the loanee. The opposing side in the conflict should create their own rally post. You can still choose to stand down from a rally.

[Conflict - Rally] The Riverlands call forth their banners against the false King!

• If you wish to betray those who think you allies, Rally as normal for your supposed allies. Then send a message to the moderators with a [Conflict - Betrayal] tag. The mod will take your forces into account on the correct side.
  
• When at least 24 IRL hours have passed since one of the Rallies, you may then commit your forces using a [CONFLICT - COMMIT]. This signals the attack; defenders can not commit. This sets the number of troops that will be on each side to whomever has rallied on each side. If one side does not create a Rally post it is assumed that they use their full local forces (i.e. those still in the holdfast). A mod will then create the next post.
  

[CONFLICT-COMMIT] MyHouse attacks ThatHouse

• If you wish to retire from the field (i.e. if diplomacy succeeds or if you do not want to do battle), please create a [Rally - Release] post. This will count as your troops leaving the field, and neither army will be able to attack after that post has been made. Of course, if you retreat while defending a holdfast, the attackers can freely take it.

How does a conflict end?

• Whichever team of countries has the most points from battles wins. If the loser does not surrender then the battle continues. If the conflict lasts for the full 6 days IRL, then the loser must agree to a fully unconditional surrender.
  
• Another way for a conflict to end is if the attacker calls off the conflict or if the holdfast invaded surrenders or they both come up with a peaceful treaty to end the war.
  

What happens after a Conflict where a winner is declared at the end?

• The losing ruler has two options:

a) The less honourable course: They may rule their holdfast under the authority of the winner by pledging fealty, and becoming vassals. This means they must give their allegiance to the winning house. However, the loser can plot to overthrow the winner, but obviously must find the support to do it. The victor lays claim to the conquered land. The losing ruler still has control of the land, however, will be under control of the victor and will need to report to the victor as the victor may veto any decision the losing ruler makes
b) The honourable way: They may be destroyed by the winning house, root and stem. The losing house will be completely eradicated. The disputed lands will go to the winning house.
If a person's house has been eradicated (i.e. House Reyne), they may claim a new one after 7 days.

6) Expansion

General Guidelines

Because we recognize the reality that houses are going to want to annex unclaimed holdfasts for more land, we are making imperialism to a certain degree allowed.

• YOU CANNOT ANNEX WHOLE COUNTRIES! This doesn't include small islands. We will only allow territories or regions, like Winterfell taking White Harbour.
  
• Small regions are eligible for imperialism, but if your annexation of territory starts to become unreasonable, we will force you to renounce your annexation or just delete your post. Please try to keep it to a reasonable size.
  
• If you claimed a small region at first and want to annex another, message the mods. We will evaluate your request and see if you can take control of another small area.
  
• If you try to claim the entire North, you are going to have a bad time! Be reasonable and realistic, only take over small regions.
  
• Any region that is under the control of a claimed holdfast (read: imperialized) cannot be taken over by someone else.
  
• If you win a war against a house with imperialized territories, the conflict rules apply to the territories as well (refer back to War).
  
• Abandoned/revoked holdfasts belong to the liege lord. If no new player tries to claim them in 3 days, the liege lord is free to give them away. If there's no liege lord, the city/castle will become available in the claim list.
  

How to Imperialize

If you are declaring an annexation, use the tag [EXPANSION]. We will also put a list in the wiki of Annexed Territories. This is how you should go through your annexation:
1) [EXPANSION] House A will be sending delegates over to Holdfast X to discuss fealty.

• Put the proposed terms of your annexation as well as an explanation for it

2) [EXPANSION] Holdfast X has agreed to swear fealty to House A

• Describe any changes to the region annexed.

THANK YOU TO ANYONE WHO FOLLOWS THIS FORMAT, IT MAKES THINGS EASIER FOR THE MODS!

7) Mod-Injected Crises

• Every now and then, because we are bored, we will make up a realistic crisis with a [CRISIS] tag. This can be an economic recession, natural disaster, or a magical threat.
  
• Each faction is encouraged to react to the crisis in the comments. You can say what your house is doing for recovery, if it will provide aid, how it affected you, etc.
  

8) Money

Please just be realistic. We aren't going to place limits because we want you guys to have fun, but if you donate 40 trillion gold dragons then obviously we will not allow it. Be aware of your house's economic situation, and just be realistic.

9) Inactivity

• To make sure houses don't become dormant, we will be enforcing active participation.
  
• TO BE CONSIDERED ACTIVE YOU MUST MAKE AT LEAST ONE [EVENT] PER WEEK
  
• You must also participate in News Days and post your [News] on Sundays
  
• If you fail to do so and it comes to our attention, then you will be given 1 day's notice before we default your house.
  

Let the mods know if you will be away for an extended period of time. If you have sufficient reason for your absence, and give a date when you will be able to return, the above does not apply for that time. Arrangements must also be made by the player regarding the temporary ownership of your holdfast. If these conditions are not met, the house may still be defaulted.
These land combat rules are taken from /essospowers, which we originally took from /westerospowers (the original set has been deleted).

Land Combat Rules

Thanks /Westerospowers for the original draft. This system is in effect as of right now.
Starting a Conflict

1. Normally all conflicts must begin with a [CONFLICT - RALLY] post. This post represents a host bringing their forces together for a fight. Normally at least 12 IRL hours must pass before a commit post is made.
   
2. If the two sides agree, or if a mod makes a ruling, you may skip straight to the commit phase.
   
3. The [CONFLICT - COMMIT] post indicates that the attack has been launched by the poster.
   
4. The mods will then make a [CONFLICT-SCORE] post ASAP. This conflict score post will use the below rules to declare a victor.
   

Fighting the Conflict
We will be using simple 6 sided dies (d6), 3 sided dies (d3), and 5 sided dies (d5) to represent combat. We have a bot perform these rolls. The number of which will be decided like this

1. In our example battle we have the following two sides: Side 1 consists of 1,000 men. Side 2 consists of 500 men.
   
2. Add both sides together to get the full number of troops in the battle, then divide each side's forces by that number to see the percentages. For example, a battle of 1,000 vs. 500 would be 66% and 33% respectively.
   
3. Each side's percentages will be rounded to the nearest 5%, so in this example it would be 65% and 35%. Each side will receive 1d6 for every 10%, any remaining 5% will give a 1d3. In the above example,the Side 1 (65%) force will receive 6d6 + 1d3. Side 2 (35%) will receive 3d6 + 1d3.
   
4. The results of the rolls will be added to create the initial score. The defender during a siege will receive a bonus to the their initial score equal to the defense value of the battle site. In this example, Side 2 will have a defense value of 4. The final result of all modifiers is the Battle Score.
   

Note: Defense bonus is based on the location of the defender and added to the end of the final total
Final = Total of Dice + Bonus
Note: Half the Defense value is added to the total dice sides. So a defense rating of 6 would add 3 making a D6 a D9.
In this example let's assume the following rolls:

• Side 1 (1,000, 65%): 1, 5, 4, 6, 3, 6, +2 (from the 1d3)
• Side 2 (500 , 35%): 3, 6, 6, +1 (from the 1d3), +4 (from defense)
  
• Side 1 Battle Score: 25
  
• Side 2 Battle Score: 20
  

Side 1 wins by 5!
During a battle in the open field this usually means the losing side is routed or retreats. During a siege the battle will continue until either side gives in or runs out of troops.
Note: Tie Goes To the Defender
Determining Casualties
Causalities will be determined as follows:
For the smaller army the average of all d6 rolls will be averaged together (round normally). In the above example that would result in an average of 5 ((6 + 6 + 3) / 3) kill dice for side 2. This determines how many kill dice (d5s) will be rolled for enemy causalities.
For the larger army, the highest d6 rolls equal to the amount of the smaller armies rolls will be averaged. In the above example that would mean the 3 highest (6,6,5) rolls would be averaged together for a result of 5.67, rounded to 6. The larger army (side 1) will roll 6d5 kill dice.
These d5 represent the percentage of causalities the opposing side will suffer. The winner will receive a bonus to their kill results equal to the amount of points they win by (in this example 6).

• Side 1 kill dice results: ( 1, 3, 1, 1, 1, 1) = 8 + 5 (excess battle score) = 13
• Side 2 kill dice results: ( 5, 2, 4, 3, 4) = 18

Those numbers represent how much of the opposing army is out of the fight (dead, injured, or captured). In this battle Side 1 won the battle, but Side 2 was able to cause a higher percentage of causalities.
18% x 1,000 = 180 troops out of the fight
13% x 500 = 65 troops out of the fight
What happens next
In an open field battle, the loser retreats and is run from the field. In a defense, another phase of battle will be run until either side gives in.
The mod running the battle will give a short blurb on what occurs in the fight. For this one, I would say something like:

Despite many casualties, Side 1 was able to get over the city's walls. Side 1 takes the inner side of the walls while Side 2 decides to continue the battle in the city streets.

I had this idea and wanted to throw it out into the ether and see if it has any merit. I'm unsure of the legal hurdles, but in tight times, this type of program could really help.

Concept Overview

1. Group Formation: Homeowners join a group with the goal of collectively paying off each member's mortgage.
2. Monthly Contributions: Each member makes a monthly contribution to a common fund.
3. Sequential Payoff: The collected funds are used to pay off one member's mortgage at a time. Once a member's mortgage is fully paid off, the group moves on to the next member.
4. Rotation: This continues until all members' mortgages are paid off.

Potential Benefits

1. Interest Savings: By paying off mortgages faster than the scheduled amortization, homeowners can significantly reduce the total interest paid over the life of the loan.
2. Sense of Community: This program fosters a strong sense of community and mutual support among participants.
3. Financial Security: Once their mortgage is paid off, homeowners can use their disposable income for other investments or savings, improving their financial stability.
4. Predictability: Members know that there is a structured plan to pay off their mortgage, providing peace of mind.

Challenges and Considerations

1. Trust and Commitment: Ensuring all members are committed and continue their payments even after their own mortgage is paid off is crucial. Legal agreements and safeguards would be necessary.
2. Selection of Recipients: Deciding the order in which mortgages are paid off could be contentious. It could be based on need, random selection, or some other fair method.
3. Management and Oversight: The program would need to be managed transparently, possibly by a third-party organization or platform to handle the funds and payments.
4. Risk of Default: If members default on their contributions, it could jeopardize the entire group's plan. Risk mitigation strategies would be essential.
5. Legal and Regulatory Issues: There might be legal and regulatory challenges, especially related to finance and collective investment schemes.

Financial Mechanics

1. Interest Calculation: Paying off a mortgage early reduces the principal faster, thereby reducing the amount of interest accrued over time.
2. Amortization Impact: Mortgages are typically front-loaded with interest payments. Accelerating principal payments reduces the principal early, leading to substantial interest savings.

I imagine a weighted payment system could make the program more equitable for those that are later in line for the payoff. What does reddit think about this idea?

I never received an email about my account transitioning to the new platform. But I did just get an email that my forbearance will end soon. I was able to create an account on the new website, and see that my forbearance ends on 7/1 and my next payment is 8/1.
I do not want to skip 2 months of PSLF eligible payments. Is this happening to anyone else? Is it just temporary? Or should I call Monday to have them take mine off forbearance?

Hi first loan request. Just looking to get main credit card paid down. Fully employed, next check covers rent, and just wanting to clear card in case of expenses. Can pay back 6/5. Do side freelance work and paid that in first few days of June on that. Thanks

I did a loan in Jan with newrez and client went ahead and did refi with recent drop and newrez sent me early payoff notice.