https://www.benzinga.com/24/05/38945144/gamestop-just-pulled-the-biggest-reverse-uno-card-on-market-manipulators-ever
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GameStop Just Pulled The Biggest Reverse Uno Card On Market Manipulators Ever - GameStop (NYSE:GME) Kevin Malone 20-Year Pro Trader Reveals His "MoneyLine"
Ditch your indicators and use the "MoneyLine". A simple line tells you when to buy and sell without the guesswork. It’s a line on a chart that’s helped Nic Chahine win 83% of his options buys. Here's how he does it.
It is no secret that Gamestop Corp GME has been one of the most heavily manipulated stocks in history. Rehypothecated shorting of their company over 100% of the float, multiple brokers shutting off the buy button on the stock so that only sales could be placed, and also billion dollar company CEOs lying under oath to congress.
It is our personal opinion that under the guidance of Ryan Cohen, the company has figured out a way to fight the constant manipulation of their company.
From the Q4 Form 10-K “As of February 3, 2024, we have $101.3 million remaining under the repurchase authorization.” This means that at a share price of $15.00, GameStop could buy back 6.75 million shares of their stock and retire those shares to decrease the float. This is the first avenue that GameStop has.
Also in the Q4 Form 10-K “On December 5, 2023, the Board of Directors approved a new investment policy. The Board has delegated authority to manage the Company’s portfolio of securities investments to an Investment Committee consisting of the Company’s Chairman of the Board of Directors and Chief Executive Officer, Ryan Cohen, and two independent members of the Board of Directors.
The Investment Committee will direct the investment activity of the Company in public and private markets. Mr. Cohen or other members of the Investment Committee, each in their personal capacity or through affiliated investment vehicles, may at times invest in the same securities in which the Company invests. The Board anticipates that such investments will align the interests of the Company with the interests of related parties because it places the personal resources of such directors at risk in substantially the same manner as resources of the Company in connection with investment decisions made by the Investment Committee on behalf of the Company.”
To summarize the above paraphrase from the Q4 Form 10-K, Gamestop has the ability to invest their BILLION dollars in cash into public and marketable securities in which Cohen or other members ALSO invest in. Cohen’s largest position personally is Gamestop shares and this filing allows Gamestop to buy its OWN shares without having to retire those shares like a stock buy-back. This is a genius way for a company to buy its own stock during heavily shorted downward prices or during the stock’s price cycles who have seen fast 100% gains and 50% drops. This also secures the members of the investor committee to also purchase more shares of GameStop.. This is avenue 2.
Lastly, from the Form 424B5 filed on May 17, 2024, “We have entered into an Open Market Sale AgreementSM, or Sales Agreement, with Jefferies LLC, or Jefferies, on May 17, 2024, relating to shares of our Class A common stock, par value $0.001 per share, or common stock. In accordance with the terms of the Sales Agreement, we may offer and sell shares of our common stock from time to time through Jefferies, acting as our sales agent and referred to as the “Sales Agent.” Under this prospectus supplement and the accompanying prospectus, and in accordance with the terms of the Sales Agreement, we may offer and sell up to 45,000,000 shares of our common stock from and after the date hereof.”
Avenue 3: GameStop set into place the ability to sell shares of their stock on their massive upward price swings to secure substantially more cash on their balance sheet and lead the company to an even more profitable company. This is where the Reverse Uno card comes in. GameStop can now hypothetically sell 45 million shares when their stock price jumps to $50 again which would secure $2.25 billion in cash that can THEN be used to either buy back $100 million in their shares or be used to purchase then $3.25 billion dollars of marketable securities. That much cash would be worth more than the entire market cap of the company at the end of April during their lows.
GameStop and its investing committee now has the ability to buy back $100 million of shares, purchase over $1 billion in shares to hold on their balance sheet and sell for a higher price on massive price swings, and also sell 45 million shares during extremely large price increases as well. They can now effectively battle the market makers in every direction of their price swings. Buckle Up.
Malone Wealth Ventures LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Malone Wealth Ventures LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Malone Wealth Ventures LLC unless a client service agreement is in place.
This article is from an unpaid external contributor. It does not represent Benzinga's reporting and has not been edited for content or accuracy.

I retired literally 2 hours ago after a 31-year career teaching high school English and Creative Writing. I have already been contacted by an elementary principal about taking an interim position (approximately 6 weeks) in the fall, 5th grade ELA. I would be paid full salary in addition to still being eligible for my pension, so that's nice. But 5th grade ELA? Do I even want to consider this? 🤔

I have about $12k left on my loan for my car. It’s a 2018 Sorento with about 80k miles on it, it’s in very good shape.
The interest rate on the loan is 4.44% - so monthly its about $318 principal and $65 interest.
I do have the cash available to do it, though, I am trying right now to slowly build some money up for a down payment on a house. With about $55,000 in a HYSA earning 4.5% (also have separate retirement accounts, but not touching those).
Am I better off: 1) hanging onto my cash and making the monthly payments of about $380
2) pay off loan entirely
3) pay off a chunk of the car loan ($5k-$8k?) and then continue making loan payments
For whatever it’s worth that’s the only debt I have.
Thanks!

SPOILER ALERT: For those who are not caught up with the manga, why are you still here 😅 anyway you may get spoiled so go ahead.
Note: The series now as of the time of this post, a few chapters away from the ending, let's talk about the cool theories that had been abandoned, and share your what if's and rewrites in the series
Interesting but Abandoned Theories:
A. Timeskip & title change = There was a theory a long time ago, that "My Hero Academia" will have have timeskip and title change similar to Dragon Ball to Dragon Ball Z, Naruto to Naruto Shippuden, so My Hero Academia to My Hero, after timeskip the series will be on the students who have debuted as heroes and their ventures.
B. The UA Traitor, and Quirk/Virus twist = The traitor which was theorised to be "Nezu" a.k.a "Mr. Principal", the mouse, which had been theorised that he is as old as "All for One" basically immortal through whom we would learn that, the Quirks are actually a Virus which was spread through an experiment on a mouse, which would be bingo "Nezu".
C. Three way story = Post the war arc, it was theorised that the story will follow the 3 main characters (Midoriya, Todoroki, and Bakugo) separately:
I. Midoriya: Deku would be a vigilante and work with characters from "My Hero Academia: Vigilantes", after learning from Lady Nagant through whom Midoriya finds out about the dark side of the Hero Society and decide to clean up both the hero society and villains that break out of Tartaros. All the while, team up with "Lady Nagant", "Stain" and "Overhaul" as well (who have the "Quirk-Destroying Bullets" that would remove the quirks from villains and worst heroes). Among the "Big 3" of UA, Tamaki would work alongside them, as he supports the view of Midoriya.
II. Todoroki: Endeavor ending up retiring after the Dabi's dance, which would (and supposed to) be messed up mind of Rei, destroying the family even further. Shoto want to bring a new concept of heroes which would be hero group (like Justice League & Avengers) consist of Momo, Tenya, Fumikage, Denki, & Mezo. On the side note, it was reveal that Uraraka, Ashido, Asui, Jiro & Hagakure are forming all female team (this could give some more development and room to grow). The Todoroki squad will be trained under Hawks and Endeavor specifically to be the next generation team of heroes. At the same time, Shoto try to bring his family together with his siblings. Among the "Big 3" of UA, Nejire would work alongside them, as she supports the view of Todoroki.
III. Bakugo: In the war, Katsuki loses his power, similar to the way of Mirio did, which would an eye opener for Bakugo to understand the view of Deku who want to be a hero regardless if he has power of not. He would trained his body and mind more to help the people in need more. A "Quirk-less" Hero along with Mirio, Mei (who would work on the tools for hero), he would later joined by Kirishima, Sero, Sato, Koda, Aoyama & Mineta. Of course, later he would eventually regain his power, but Bakugo grew up mentality like "I can find my way to defeat my opponent even without quirk" kind of persona. Among the "Big 3" of UA, Mirio would work alongside them, as he supports the view of Bakugo.
D. Stars & Stripes would be arriving to Japan, much later after the subordinates of "All for One" reaches outside of Japan and wreck havoc, work with the Uraraka team, and later would be force that would eventually unite Midoriya, Todoroki and Bakugo team up to go final war against the Villains.
E. Two sides of same coin - We know that, "Shigaraki" was a descendant of a hero, but he became a villain, meanwhile "Midoriya" theorised to be descendant of a villain, but he choose to become a hero. And this next one is partially true, "Shigaraki's" decay quirk was given by "All for One", but it theorised to be stolen from "Midoriya" by "Dr. Garaki".
What If's (not much here) - It would have been, much more impactful if All Might died after defeating the "All for One".
Rewrite - just one, Gran Torino should have died.
So what are your theories, what if's, and rewrites?

Hi! I’m 23F and the first in my family to do a lot of things, including trying to get ahead and out of a paycheque-to-paycheque life so I’m looking for some advice. Thank you in advance!
I am currently completely debt free - car is paid off and my student line of credit has been repaid in full. As of today, I have $10,000 saved in a HYSA that I plan to keep as an emergency fund.
I live in Canada and have a government job that pays $86,000/yr salary with 5% pension contribution (matched at 5%). My take home is $1956 every 2 weeks after benefits, taxes, pension, etc.
I set aside: - $215 per cheque into yearly sinking funds (car insurance, healthcare provider license fee, malpractice insurance, $650 for clothes and shoes per year, $650 for donations per year) - $75 per cheque into gifts/presents (Christmas, weddings, partners birthday and anniversary, etc.) - $1000 into savings per cheque.
I also have a second remote job which I take home about $700/month (income is variable and I can’t work during the summer months) and from which I invest $150/2 weeks into an RRSP (equivalent to a Roth IRA I think). At the end of the year, the additional money in that account gets dumped into the RRSP so I don’t count that when doing my calculations since it is separate money and spoken for. I opened the RRSP in October 2023 when I got the second job and it only has $2,700 in it so nothing crazy. I have $37,000 left in contribution room.
I rent with 5 roommates so my rent is $300/month (utilities in). It’s not worth it to get my own place because I’m not really home (I have travel contracts and often am not at home during the week) and I have a partner who I’ll spend nights with too. At this point it’s basically a storage room with a bed lol.
The rest I spend on life, which breaks down to food (I meal prep extensively because I never know what accommodations I may have), gas ($50 a month is more than enough because I go to the grocery store and airport and the occasional appointment), phone bill, subscriptions, dates, and fun.
We also recently had a freak storm and my car may be getting written off. If it does, I can expect to get about $12,000 (based on friends whose similar cars were also in that storm with similar damage) and I wouldn’t buy another car right away. I don’t want a car payment and I drive so little that I can easily take the bus and have it impact me very little. I bussed all through uni too and since I fly so often my car sits most of the week.
When I graduated, I had a really easy goal: pay off my student line of credit. Once I did that, I wanted to establish a $5,000 emergency fund. Then I paid off the remainder of my car and then added another $5,000 to my emergency fund.
Now, I don’t know what to do though! So, what would you do if you were me?
Some notes: - the program I work for only has 3 years of funding left and it does not look like it will be renewed so I’ll get my pension contribution paid out (which would be around a conservative $35,000 and I’ll use that to top up my RRSP when that happens) - once the program shuts down I’ll go back to work in a traditional setting, where the average income is $43-$45/hr, but most workplaces do not offer a pension so I’ll need to take care of my own retirement - kids and a house are in the cards for my partner and I. They earn slightly less than me and are still paying off loans but have a much more secured retirement so we agreed to keep our finances separate until marriage (which won’t be until I no longer work this job). We are completely transparent with each other though and financially plan together
I’m debating: - changing nothing, keep renting at $300, set aside $1000 per cheque into something and wait a few years (I would like to live with my partner though and three roommates graduate in the next bit so I don’t know if they’ll move out and increase rent) - buy a duplex (my partner and I would have a co-habitation agreement or I would rent to him with a lease) and rent out one side and we live in the other but I could only afford a $350,000 mortgage buying a property alone based on my income - buy a 3Br2Ba house to live in and start paying down the principal ($350,000 would also apply here but that’s very reasonable for the city I’m in)

Hello !
So... I'm rei_mayo, and I have a little bit unrealistic project. I create OCs and I imagine characters in lore what would they be in game.
I'm French, so I'm sorry for my bad English ! I prefer precise that there is just original or official content in the post ! This is just from the currents versions of the game and from my head !
Since one year, I work in my free time on this project and there is multiple things :
-First part : the lore of the project, like the background and the location ;
-Second part : the relics, and the elevation materials ;
-Third part : the characters, and the banners ;
-Fourth and last part : the plot of the history (in the big lines).
I prefer to precise why I do this. When I play video games, I love to create characters when it's possible, and in MiHoYo games, it's not possible... But, create characters that only me like, it's very selfish, so I would like to present them to have notices if they are fantastic !

First part :

So, the history would be in a location called the "Shìjiè-Chuán of Xianzhou" (nb : mean Ship-World (世界船) in Chinese). The Shìjiè-Chuán is the capital and the most important part of the Alliance. A little time after Lan became an Aeon, Yaoshi asks to an Emanator to kill the Emperor of Xianzhou and to make a plague mark in the original planet of Xianzhou.
Lan discovers that and he purifies the planet, kill Abominations, destroys the plague mark. With the remains of the planet and the Xianzhouan (?) planet, he creates a huge boat, the Shìjiè-Chuán.
For comparative, the Shìjiè-Chuán is so huge that all the other boats can fit in with no problem. It's contains important locations like :
-The Judgment Palace : The place where the Ten Lords and the Generals Arbiters judges the most dangerous criminals. Despite the fact the criminals are jail in the Xuling, they really are judge in the Shìjiè-Chuán.
-The Starry Streets : Streets where neon, big screens and buildings are. The popular streets of the Shìjiè-Chuán, mix of tradition and modernity.
-The Fallen Garden : A garden where plants of all the planets who were saved by the Hunt are. It's also the place where the Yamato was before the Emanator of Lan gets him.
-The Shackling Prison : The prison of Xianzhou, where all the criminals of the Alliance are located. In the depths of the prison, just one person is remained... Shuhu, Emanator of Abundance.
-The siege of the Ten Lords Commission : The place where all the Ten Lords (not included the Fallen King and the Stellar Queen) are when there is no process. It's also the place where all the Judges, the Wraith Wardens and the Aurumations are when they don't have missions.
-The boats Goldsmithery : The place where the boats of the Alliance are repair. Actually, the Cangcheng is here for reparation after the destruction of Rahu.
-Other places... How to discover them ? Play~
And here is some clarifications !
So, who is the Marshals ?
In my idea, Hua is a false Marshal, to cover and hide the Shìjiè-Chuán, but she's really powerful. She would be a Fu Hua expy... And I will talk about her later...
The reals Marshals are Rei -The Fallen King- and Xingxing -The Stellar Queen-.
Rei is the Emanator (and the only) of Lan. Called the Fallen King because of a legend, he's considered like the most powerful person of the Alliance. He carries a divine katana called the Yamato-Shinigami. (nb : Yamato > Yama, Hindu god and judge of the dead. The Chinese god Yanluowang or Yanluo Wang has his origins in Yama. Shinigami > Death Kami). I will talk about him later.
Xingxing (nb : star (星星) in Chinese) is an Emanator of Nous and a Eclairor (?) of IX. Called the Stellar Queen because she uses stars with martial art for fight, she done renovations in the Shìjiè-Chuán for make it more modern. I will talk about her later too.
The Marshals are the boss of Xianzhou and of all the factions who follow the Hunt, like the Galaxy Rangers. They rule all the commissions, and are very important, but they rule different commissions. For example, The Fallen King rule the Cloud Knights, but the Stellar Queen rule the Artisanship Commission. The only Commission they rule together is the Ten Lords Commission.
Who is the Ten Lords ?
In my idea, the Ten Lords Commission would be composed with eight Lords and the two Marshals, and that would be the Ten Lords. In game, it's said that nobody knows where the commission is despite the members of the Commission them-self, but she would be in the Shìjiè-Chuán. The Ten Lords would be :
-The Fallen King ;
-The Stellar Queen ;
-Yuen (I will talk about her later) ;
-Styx, an Emanator of Finality and a member of the Galaxy Rangers (I will talk about him later);
-Athena (I will talk about her later) ;
-and other people... NPCs, so we don't care about them.
Who is really Hua ?
In my idea, Hua would be a "Marshal". When she (in my mind, she's a she) appears in public, she is the Marshal, but in the Shìjiè-Chuán, she's judge like a General. Her title would be the "Fenghuang" (nb : phoenix of Chinese mythology).She would be in the General of the Cangcheng when he would be repair.
But... The Cangcheng is destroyed, no ?
Yes, he was devoured by the activated planet Rahu. But in the year 8098 (so two years before the game), Rei destroyed Rahu (and killed ~10 000 000 000 of abominations). That liberated the remains of the Cangcheng, and Xianzhou is trying repair him.
Why Shuhu is in the prison ? Shouldn't be dead ?
Technically, she's in prison, but it's precised that nobody knows if it's the really Shuhu of not. In fact, in each prison of Xianzhou, a few reproductions mecha-organics were made by the Stellar Queen for hide the real Shuhu. In the Shìjiè-Chuán, she's just a spirit, seal in a transparant box cell. She just wants to talk with five persons : The Fallen King, the Stellar Queen, Yuen, Blade and Jing Yuan. The unique persons who know that Shuhu is alive are the Ten Lords, the Generals and the Stellaron Hunters. Her real body and remains are with the Abundance, but originally her remains were with Xianzhou, and her spirit was with the Abundance.
Now, here is some more lore that I created :
The Trinity of the Abundance :
If you never see Yaoshi, THEY have a lot of plants in THEIR representation. There is a wheat, a bramble, and a large tree.
I imagine that the members of Abundance considered that these three plants are divines. For them, the wheat represent the immortality, the bramble represent the price to pay for become immortal and the thanks to Yaoshi, and the tree represent the life the Abundance offer to the mortals.Traditionally, the Emanators must wear one of these three symbols. For example, Shuhu wears brambles for gives her blood to Yaoshi.
At the opposite, each plant that the Hunt has purified is considered as a sin. For example, each lotus in the Xianzhou Alliance is a sin for Abundance. But the lotus in the planets of Abundance are holy. The lotus is the incarnation of Yaoshi THEM-SELF, but only if it's in a planet of Abundance.
Rakshasa and Luocha :
If you know Luocha, I think I don't to explain that is said that he's related to the Abundance. And Luocha is an other name for "Rakshasa", a type of evil spirit of the Buddhist mythologize who are cannibals. So, I will tell you who they are :
So, after the planet of Luocha get destroyed and his wife gets killed under his eyes, Yaoshi gave to him immortality and powers to become an Emanator of Abundance. Luocha asks to resuscitated his wife, but Yaoshi tells that THEY will do that if Luocha destroys one of the different boats of the Xianzhou Alliance. But Luocha, who was a doctor in his original planet, cannot do that. But the time past, and he couldn't do that... But Yaoshi implants an sort of mara in him, like an evil spirit, so Luocha decided something.
I imagine that Luocha create a another corpse/puppet with remains of different corpses, and transverse the evil part of him in this, but not his powers and his immortality, to trying to find an another way to resuscitate his wife. He create a coffin with powers of Abundance for conserve the corpse of his love, and decided to leave the Abundance, and became a interstellar merchant for trying to discover how to resuscitate his wife.
But Yaoshi couldn't accept that. So THEY gave powers and life to the puppet contained Rakshasa, and THEY gave immortality. And Rakshasa became an Emanator of Yaoshi, for avenge him and Yaoshi. But because he was born from Luocha spirit, he has his savior of doctor.
Rakshasa tries, with Shuhu and the living planet Rahu, to destroy the Shìjiè-Chuán. But the Stellar Queen fought him, and "kill him". But Rakshasa false his death, and he takes with him the remains of Shuhu.
Rakshasa is known for his cannibalism and for his experiences. He's like a Dottore in term of personality, but more crazy and more psychopathic.
The Yamato-Shinigami and the divine spirits of the Hunt :
So, what is the Yamato-Shinigami ?
This saber is an odachi created by Lan, to purge the Abominations and for the Emanators of Lan. So, Lan created this saber with a galaxy and imaginary energy for this first Emanator, but when he dies, Lan hid the saber in the Shìjiè-Chuán for the next Emanator... A long time ago, Rei meditated in the Stellar Garden after the death of his mother, and the Yamato has called him. Since this event, he and the Yamato are lied and the odachi is his saber.
Lan doesn't choose the Carrier of the Yamato, but it's the saber himself who choose his owner. The saber has only two owners in his life : The first Emanator of Lan and Rei.
Lan doesn't place the powers he gives to his Emanator in the Emanator, he place the powers in the Yamato. More the Emanator does miracles and heroics acts, more the Emanator gain the power. Actually, Rei have 100% of his powers, but there is a state more powerful : the Resonance.The Resonance is a phenomenon that caused when the willpower of the Emanator and the willpower of the Yamato are the same, and the power of the Emanator are increase so much that the people say when the Fallen King reach this state temporary, he becomes powerful as a Aeon.
But this state can be permanent, if the willpower of Rei became so strong that him and the Yamato become just one. The spirit in the saber changes his form according to who is the person who meet him. And he doesn't fight, the spirit of the Yamato-Shinigami doesn't fight with Emanators. The Yamato measure ~225 cm/~7,3 feet, and his pound is unknown. (The pound depend of who carries the blade. Very light for the carrier but very heavy for the other)
But what are the divine spirits of the Hunt ?
Do you know the Lighting Lord ? I think yes.>! In the lore, it's "said" and showed that the past General of the Luofu, Teng Xiao, uses the Lightning Lord, like Jing Yuan. But not the same sword, because of the Starfall Reverie has been forged by Blade when he was Yingxing.!< So I imagined that :
The first Generals, when they passed away, Lan take there spirits and gives a lot of power. Since the creations of these spirits, they are give to the Generals, until they choose to retire. Then, it's give to the next Generals, and this cycle is repeated. These spirits are unlike of the spirit of the Yamato, because they don't give their powers and doesn't are in a weapon. Plus, the spirit of the Yamato can't fight with his carrier.
Technically, the General Arbiters are Emanators, like Rei, but the divine spirits changes all. Rei does have powers of Lan/The Hunt and he has the Yamato-Shinigami, but if he fights without, he changes nothing (just the fact that the Yamato uses as a multiplying for the slashes. But if the Generals fights without the spirits, it would changes. (it's a theory/created lore, so please, not rude in comments !)
So the divine spirits would be like the reasons why the Generals of the Hunt are considered as Emanators.
So, now, I think the first part is finish... Let's go to the second part !

Second part :

The relics :
For the relics, I imagine some relics and some planet ornaments :
1 : Set of the Tearful Child of the Moon :
Memories of the Moon's Child : Beyond dreams, the tearful child of the Moon remembers his mother during the day, and finds her again at night. The child of the Moon is said to protect his mother from nightmarish creatures as she searches for her lost husband among the stars.
Protective cuddly toy of the Moon's Child : Beyond dreams, the tearful child of the Moon protects his mother with his teddy bear during the day, and finds her again at night. It is said that the child of the Moon is always accompanied by his faithful teddy bear, which the Sun himself is said to have woven for him.
Moon's Child pajamas : Beyond dreams, the tearful child of the Moon protects his mother and walks the land by day, and finds her at night. The Moon Child is said to always be dressed in extremely light blue pajamas, and to protect him from any enemies he may encounter.
Warmth of the Moon's Child : Beyond dreams, the tearful child of the Moon protects his mother, the Moon, during the day, and joyfully reunites with her at night. It is said that the child of the Moon never despairs because of a gift from his mother, his maternal love.
Effect :
2 pcs : Increases Imaginary DMG by 10%.
4 pcs : Increases CRIT rate by 15% and the CRIT DMGS by 25% for 2 turns after the porter uses his skill or his ultimate. Not cumulative.
2 : Set of the Blazing Goddess.
Divine Crown of the Blazing Goddess : A crown of incandescent flowers that ignite the hope of being rescued. The crown shines like a beacon for a castaway, and illuminates the hope of new and flourishing days.
Divine brambles and roses of the Blazing Goddess : Bracelets sinking into the flesh and blooming incandescent roses of blood, awakening Beauty to the divine state. It is said that these roses are the most beautiful in all existence, and that it only blooms in contact with the blood of Beauty.
Divine dress of the Blazing Goddess : A burning and brilliant dress, making even the stars admire it. The flames of this dress conceal inestimable treasures, the words and thoughts of Beauty, which leave in diamond whispers and stellar sighs.
Graceful step of the Graceful Grace of the Blazing Goddess : Beautiful shoes covered in burning flowers, growing roses with every step. It is said that the whole universe could not help but admire these flowers with their incandescent beauty, and that the flowers admired Beauty itself.
Effect :
2 pcs : Increases DoT by 20%.
4 pcs : Increases DoT by 15% when an ally or the porter deals DoT to an enemy. Increases fire DMGS by 15% when the porter uses their ultimate. The effect lasts 2 turns and can be accumulate 3 times.
3 : Set of the Keeper of the Fighting Will.
Ancient helmet of the Keeper of the Will : An old ancient helmet found on the ashes of a battlefield. When putting it on, you can hear the soldiers screaming and fighting, while the previous owner of this helmet beat to the rhythm to galvanize his troops.
Galvanizing Wands and Drum of the Will : Ancient drumsticks accompanied by a drum found on an old battlefield. If you strike the drum even once with the old sticks, you can feel your body filling with the will to fight.
Ancient chain mail of the Keeper of the Will : An old, slightly battered piece of mail, found on an old battlefield. Despite the age of the armor, it shines with a burning brilliance of an insatiable will to win and fight.
Ancient sandals of the Keeper of the Will : Old solid wooden sandals found on an ancient battlefield. When we put them on, a thrill spreads through our body, and a will to victory and battle is triggered.
Effect :
2 pcs : Increase Energy Regeneration Rate by 20%
4 pcs : For each enemy eliminated thanks to the porter's ultimate, increase the Energy Regeneration Rate by 5% and the DMGS by 15% for all the allies for 2 turns. The effect can be accumulated 3 times.
4 : Set of the Hopeless Plague Doctor.
Terrifying mask of the Hopeless Plague Doctor : The mask of a doctor who kills, destroys, and inoculates plague and immortality to the mortals. The hope go away and the despair arrives, to condemned all the patients, and give their blood to the greatest of the greatest Aeon, the Abundance.
Needle claws of the Hopeless Plague Doctor : The claws of a doctor who kills, destroys, and inoculates plague and immortality to the mortals. The plague in one, the despair in another, the immortality in another and the last takes the blood of the patients to give to THEM.
Calamity dress of the Hopeless Plague Doctor : The dress of a doctor who kills, destroys, and inoculates plague and immortality to the mortals. The blood and the suffer of all the people who became patients of this mad doctor are in this dress... But there is also the benediction of the Abundance.
Bloody boots of the Hopeless Plague Doctor : The boots of a doctor who kills, destroys, and inoculates plague and immortality to the mortals. Blood. Just blood. Only blood. Blood of THEM. Blood of Abundance. But serve as the shoes of the doctor. Of the mad doctor.
Effect :
2 pcs : Increases Max HP by 15%.
4 pcs : When the wearer consumed their HP or the allies's HP, their CRIT Rate and their CRIT DMGS get increased by 6% for 2 turns. This effect can be accumulated 4 times.
5 : Set of the Godly Hope Doctor.
Kindly mask of the Godly Hope Doctor : The mask of the doctor who has acceded to the redemption. Before, he was a Emanator, who tries to destroy for heals his love. But now, he's a doctor, a healer, and a benefactor... Despite his kind mask, a deep sadness live in his spirit, but he always live with his mask who hide his suffer.
Holy gloves of the Godly Hope Doctor : The gloves and the pendant of a doctor. The redemption and the kindness breathe in those objects, who have heals so many people. An holy energy can be feel in these accessories, and all the kindness of a man who loved his wife live in this.
Greatest coat of the Godly Hope Doctor : The coat of the doctor who heals all his patients. In this coat, all of the kindness and the healing power of this doctor are concentrate, but there is, hide in the depths of the clothe, a melancholy... A melancholy of his ancient planet.
Divine boots of the Godly Hope Doctor : The boots of the doctor who always heals his allies. In those shoes, all the journey of this doctor is gathered... Even if a kindness is present, the deep sorrow of all the travels that is here.
Effect :
2 pcs : Increases Max HP by 15%.
4 pcs : When the wearer heals their HP or the allies's HP, their Outgoing Healing and their ATK increase by 20% during 2 turns. This effect can be accumulated 4 times.
6 : Set of the All-mighty Burning Father.
Effect :
2 pcs : Increases Max HP by 20%.
4 : When the wearer deals Break DMGS or Super Break DMGS, the wearer and the allies gains Stack of "Blazing Child", up to maximum 6 stacks. "Blazing Child" increase the HP, the Break DMGS and the Super Break DMGS by 20% for each stack, and when the wearer gains 6 stacks, then the Energy Regeneration Rate increase by 10% and the Super Break DMGS increase by 50%.
Now, it's time to present the planet ornaments !
1 : ~Set of the Judgment Ship~
Judgment Palace of the Shìjiè-Chuán of Xianzhou : Sealed within this planar sphere is Shìjiè-Chuán, sacred land of Xianzhou. The World Ship floats and admires a new starry landscape every year to escape the abominations. You can see the Palace of Judgment, the Star Garden, the Goldsmith of Ships, and all kinds of other places, each one as important and fabulous as the last.
Promise of the Lovers of the Shìjiè-Chuán of Xianzhou : In Shìjiè-Chuán, it is said that the wind and rain bring back the dreams and promises of old. And some say that the promise of two lovers kissing in the rain can be heard in the Star Garden.
Effect :
2 pcs : Increases the CRIT DMGS by 25%. If the CRIT Rate reaches 40/50, the CRIT DMGS are increase by 25%/35%, and the CRIT DMGS are increase by 10% each time that the porter uses their ultimate. The effect can be accumulated 2 times, and lasts 3 turns.
2 : ~Set of the Floral Echo of the Ashes~
Flowering ashes of Fjoralys : Sealed within this planar sphere is Fjoralys, a once flowery and warm planet. When the Destruction came, life and people on the planet all died. Not one survived. Except a little girl, daughter of the stars. Now, flowers of yesteryear rise from the ashes of Destruction, like a phoenix rising from the ashes.
Star goldwork of Fjoralys : In the flames of Fjoralys's destruction, only the stars and a little girl witnessed the massacre. And when life, flowers, and trees resurfaced, the stars cried with joy, washing the earth of all this sadness to put, in its place, colorful joy and flowers... Thousands of them.
Effect :
2 pcs : Increases DoT by 12%. If the wearer deals DoT to an enemy, then the DoT dealt to enemies increases by 26%.
So, let's go to the next part !
3 : ~Set of the Duality of the Rulers~
Starry Yin and fallen Yang of the duality of Rulers : Sealed in this planar sphere are two complementary wills, that of the two rulers of Xianzhou, a brother and a sister. Depending on the inclination of the sphere, we can see different memories appear and disappear, like fleeting winds facing the erosion of time.
Brotherhood of the duality of Rulers : Tears, blood, joy and friendship are condensed in these threads of destiny. It is said that the years erode certain things, but the threads of destiny grow and become denser to the rhythm of the emotions of the two Rulers.
Effect :
2 pcs : Increases Break effect by 12%. Each time that the wearer or an ally deals Super Break DMGS, the wearer gains a stack of "Rule of Flame", up to maximum 4 stack(s). A stack of Rule of Flames increases Break Effect by 20%.
4 : ~Set of the activated planet Rahu~
Floral sea of ​​lotuses of Abundance : Sealed within this planar sphere is the living planet Rahu, eater of Cangcheng and guardian of the lotus scourge. It is said that the living planet blows billions of lotus petals that rip the life force from humans and offer them to the abominations. On this planet lies its heart, the lotus floral sea, where abominations and Emanators bathe in the human suffering.
Bridge of Immortal Hope of Abundance : It is said that every Emanator must pass through the "bridge of immortal hope" if he wants to be in total symbiosis with his body. This bridge was carved from the flesh and blood of Yaoshi, after THEY fought with the Emanator of Lan thousands of years ago, and it now glows a beautiful blood red, and screams the damned who did not know how to listen to their bodies.
Effect :
2 pcs : Increases the CRIT DMGS by 10%. If the HP of the wearer reaches 3000 or more, then their CRIT DMGS increases 20% more. Each 1000 HP more than 3000 HP increase the CRIT Rate by 5%.
5 : ~Set of the Sacred Land of Annihilators~
Sacred Temple of Annihilating Destruction : Sealed within this planar sphere are the ashes of the old and new worlds, in the form of the Temple of Destruction. Everything in this palace has been destroyed by Nanook and THEIR Ravager Lords, and the Antimatter Legion pines and enjoys the suffering extinguished by the devastating breath of Destruction itself.
Petals and sobs of annihilating Destruction : On the planets that the Legion destroys, the Ravager Lords always bring back two things, a person, the sole survivor, and flower petals sticky with blood. The petals then mingle with the sobs of the last living creature, creating pitifully perfect flowers and trees.
Effect :
2 pcs : Increases ATK at 14%. If the HP of the wearer reaches 4000/5000 or more, then the DMGS of their ultimate and their skill increases by 15/25%.
6 : ???
2 pcs : ???
4 pcs : ???
7 : ???
2 pcs : ???
4 pcs : ???
So now, the elevation materials !
The Hunt : Ancient runny cord of the Divine Bow :
A thread who was once part of the Divine Bow of the Aeon of the Hunt, and who was emit after of a battle. It's now a shooting star. Used to level up Traces slightly for Hunt characters.
Purge Echo of the Divine Bow :
An image of the bow that Lan uses, who remain in the space and the time after THEY throw an arrow. Used to level up Traces moderately for Hunt characters.
Full Incarnation of the Divine Bow :
The bow that Lan uses, constitute by imaginary energy and stars, who can destroy space-times and galaxies. Used to level up Traces significantly for Hunt characters.
The Nihility : Fragment of lazy memory :
A glowing fragment of the memory of someone who has been blessed by the Nihility. Used to level up Traces slightly for Nihility characters.
Once nihilistic reminiscence :
The glowing piece of the memory of a past Eclairor of the Nihility. The rare images of the memories are colorless. Used to level up Traces moderately for Nihility characters.
Memory of an Auto-Annihilator :
A red glowing jewel, who contain all the life of an Auto-Annihilator. All the memories are scramble by the black sun. Used to level up Traces slightly for Nihility characters.
The Abundance : Godless tear of the Abundance :
Plague of the Immortal :
Suffering of the thousand recoveries :
The Harmony : (I don't have ideas, sorry T^T)
And for the other paths... You have to wait (Sorry T^T)

Third part :

For the order of apparition of the characters, it would be :
?.0 : Xixian (first phase) 5 star Harmony ; Thunde Yuen (second phase) 5 star Erudition ; Wind, with 4 star character
?.1 : Rakshasa (first phase) 5 star Abundance ; Ice/ Hua (second phase) 5 star Fire ; Destruction, with 4 star character
?.2 : Xingxing (first phase) 5 star Nihility ; Fire/ Rei (second phase) 5 star Hunt ; Imaginary
?.3 : Shuhu (first phase) 5 star Abundance ; Quantum/ Athena (second phase) Harmony ; Wind, with 4 star character
?.4 : Elio (first phase) 5 star Preservation ; Thunder (can change)/ Styx (second phase) 5 star Erudition ; Quantum.
So, who is Xixian ?
Xixian is the Lieutenant of the Shìjiè-Chuán. She's around 60, and she's a long-life specie. She wears a artificial arm, because Rakshasa cut off her arm during the battle of the Shìjiè-Chuán. She trusts the Fallen King and the Stellar Queen, but she's a little overprotective in them.
Xixian is a character of the Harmony who can increase different stats depending on the Path of the character. If it's a Destruction/Hunt/Erudition character, she can increase CRIT DMGS and ATK. If it's a Preservation character, she can increase DEF. If it's a Nihility character, she can increase the Effect Hit Rate and the DoT DMGS. If it's a Abundance character, she can increase the Outgoing Healing Boost. And if it's a Harmony character, she can increase ERR. Her bonus can last for 1 turn. Her ultimate can increase the duration of the bonus of the characters to 2 more turns.
So, who is Yuen ?
Yuen is one of the Ten Lords. Nicknamed as the Erudite, she's the most younger person named in the post of one of the Ten Lords. Despite the fact she's still a child/teenager, she's very wise and intelligent, and she's a very good strategist.
Yuen is a character of the Erudition that inflict wind DMGS. Her technique and her ultimate would change with her talent, Condensation. For example, less enemies are here, more DMGS are inflict : 5-4 enemies in the battlefield : Effect Zone ; 3 enemies in the battlefield : Burst ; 2 - 1 enemies in the battlefield : Unique target. But don't worry, you can choose what type of attack the skill does. Her talent can also increases her CRIT DMGS and ATK.
So, who is Rakshasa ?
Rakshasa is an Emanator of the Abundance, and he was the evil part of Luocha. His body was simply a puppet, but Yaoshi make his body organic... So he would be very flexible. He would fight with needle-gloves.
Rakshasa is a character of the Abundance who can heal... But with a particular way ! So, all the allies have a effect at the beginning of the battle : "Holy Sacrifice", who is his talent. When a character lost HP, the Holy Sacrifice absorbs his loss of HP, until a limit. The skill of Luocha can release the Holy Sacrifice for heals the ally, and makes the effect reborn. Release the Holy Sacrifice can increase the DMGS and the ATK of Rakshasa. Also, his talent take some allies's HP in each turn to increases the Holy Sacrifice. His ultimate, who would be an Burst, can uses the HP of the allies to increase the DMGS and the CRIT DMGS of Rakshasa, and then, he attacks the enemy/enemies. Then, he releases the Holy Sacrifice of all the characters to heal them.
His VA would be the same of Luocha, Craig Lee Thomas.
So, who is Hua ?
Hua is a sort of Marshal of Xianzhou. Even if in public, she appears as the Marshal, she's in reality the future General of the Cangcheng, and she possesses the divine spirit of the boat, the Inferno-Empress. Her nickname is the Fenghuang.
The Inferno-Empress would appears like a gigantic phoenix.
Hua is a character of the Destruction who deals Fire DMGS, but also Super Break Effect. So, the Inferno-Empress would be like the Lightning-Lord, but when shes uses her ultimate, the Inferno-Empress merges with her and she enters in the "Fenghuang" state. When she's in this state, every attack that Hua uses consumes her HP. But, each time that her HP get consumed, her Break Effect increase. The state lasts for 2 turns, and she inflects Super Break Effect. At the end, a sort of a ultimate attack is trigger and all the HP (even the HP that are not here, for example, if her max HP is 10000, but she only has 8000 HP, then her HP are going to be in -2000) are consumed and the Break Effect is increase in a certain value for each 500 HP that are consume, and she inflicts DMGS and Super Break Effect for the enemies who are in Weakness Break. She cans heal herself with the DMGS that she has done, but the heal cannot exceed 75% of her HP ! The Inferno-Empress deals Fire DMGS, and Super Break Effect to the enemies who are in Weakness Break.
So, who is Xingxing ?
Xingxing is one of the two Marshals of Xianzhou, the Stellar Queen, an Emanator of the Erudition, an Eclairor of the Nihility and one of the Ten Lords. She's the possessor of the Stellar Marks, a gift of the Erudition who can permits to create micro-stars and stellar flames to fight. With the power of the Nihility, she create black holes also for fight.
She's 17 years old, and she would uses the same model as for March !
Xingxing is a character of the Nihility who deals Fire DMGS. She cans add more DoT on enemies who already have DoT with her special DoT : Starburn, who can also inflects Burn. Starburn is inflect to the enemies with her skill and her ultimate. She can also reach multiple enemies because she does effect zone attacks. Her talent can increases the DoT DMGS she does to the enemies depending on their HP.
Her VA would be Judy Alice Lee (VA of Melinoë).
So, who is Rei ?
Rei is one of the two Marshals of Xianzhou, the Carrier of the Yamato-Shinigami, the unique Emanator of the Hunt, the chief of the Galaxy Rangers and one of the Ten Lords. Anyway, he's a very important person of the Xianzhou Alliance. He's from a forgotten planet, who has been destroyed by the Abundance. Rescued by the past Marshal, Lingyue when he was six years old, he quickly became one of the greatest fighter of the Alliance at his teenage years.
He is 19 years old, and he is around 1m96/~6,43 feet. (so I think he's one of the most tall character.). He's VERY muscular, and very handsome (according to me)
Rei is a Hunt character (an Emanator of this path) who deals Imaginary DMGS. His gameplay would be concentrate in the CRIT DMGS. Depending on the attacks, it's giving to him "Fallen Royalty" accumulations. When he has a certain number of this accumulation, he entering in the "Fallen King" state, who increased his CRIT rate and his CRIT DMGS and reinforce his skill and his ultimate. For his ultimate, it increases his CRIT rate and his CRIT DMGS, and he gives 9 slashes to the enemy. When he's in the "Fallen King" state, it's would increase his CRIT rate and CRIT DMGS, also gives XIII (4, 4, and 5) slashes to an enemy. For each slash that are a CRIT hit, an additional slash is inflect. Each additional slash increases the Rei's CRIT DMGS, and they do a CRIT vulnerability. If all the all the additional slashes has been concluded, then a last additional slash is inflect. When he does CRIT DMGS when he uses his ultimate in the "Fallen King" state, it's does another hit in the enemy.
Here is his description :
"One of the two Marshals of the Xianzhou Alliance, the Carrier of the Yamato, the Emanator of Lan and the Fallen King. Feared by his enemies, respected by his allies. He always wears a fickle smile, and he always brings death with him.
Lan, the Reignbow Arbiter entrust the Yamato to Rei, the greatest weapon of all the Alliance. As a great strategist, he's also a good brother. He knows all the Stellaron Hunters, and he's apparently in a relation with the Stellaron Hunter named Blade..."
His VA would be Kaiji Tang (the VA of Gojo).
So, who is Shuhu ?
Shuhu is an Emanator of Yaoshi, considered as the "daughter of the Abundance". She's always with a scythe made with the body of Yaoshi and with the bones of her victims. She has a very sense of the sadism and she hates the humanity for all they have done to her.
Shuhu is a character of the Abundance who deals Quantum DMGS. She has three skills : One where she consumes the HP of the allies for increase DMGS and CRIT DMGS, and she attacks the enemies. An other where she consumes her HP for increase DMGS and CRIT DMGS, and where she attacks the enemies. And the last where she attacks the enemies for steal the HP of the enemies for heals her and the allies. In her ultimate, she consumes her HP and the allies's HP for increase her DMGS, her CRIT DMGS and her CRIT rate, and she attacks the enemies for steal the enemies's HP and heals the allies.
So, who is Athena ?
Athena is one of the Ten Lords, nicknamed as the Protector. She's always with a owl named Zhìhuì (nb : wisdom in Chinese (智慧)), and is a real master of the strategy and the war inventions, but she's also one of the more oldest members of the Ten Lords.
Athena is a character of the Harmony who can increase the DMGS and the ATK of the allies with her skill. Her talent can increase all the allies's RES PEN and their SPD. Her ultimate can increase all the allies's CRIT DMGS for 2 turns, for a chosen ally, she cans place her owl for 2 turns, who inflict additional DMGS on the enemy/enemies who the ally attacks. Also, if the ally get attack, the owl defend them with a counterattack.
So, who is Elio ?
Elio is the chef of the Stellaron Hunters (and if you don't know that, you must haven't touch HSR). I imagine him as a cat (practically not imagine, because it's quite official, but not official, so you know), but he uses his puppet... I doesn't draw him because I know that his design already be... You know what. I imagine him very kind and mysterious.
Elio is a character of the Preservation who can predict the DMGS of the allies. His skill would be a shield. For his ultimate, it's would add a status for all the allies and him : "Forecast of the Script". This effect would last one turn, and would cancel all the DMGS the allies receive.
So, who is Styx ?
AH-HAAAAAAAAAAAAAAAAAAAAAAAA ! You have to wait !

Fourth part :

The history would be in the Shìjiè-Chuán, and here is the principal plot :
First quest : " You and the Astral Express receive a mysterious call of Jing Yuan, who telling you that he have something important to said to you. The thing in question is that is a feast for the "saviors of the Luofu" (the Nameless) in the... Shìjiè-Chuán ?! Not time for chatting, Jing Yuan gives you the localisation of the mysterious ship, and the Astral Express start his new journey... "
Second quest : " After a few warp jumps, you finally reach the Shìjiè-Chuán, capital of the Xianzhou Alliance. After meet all of the Generals and the Lieutenant Xixian, it's finally the time for you to meet the Ten Lords, including the Fallen King and the Stellar Queen, real Marshals of the Alliance... "
Other quests...? You have to play~
The quest would be a quest long as Penacony... Maybe a little more... And there would be all the Nameless... Yes, Pom-Pom in the quest and he would use his powers ! If he has powers.
In the final boss of the Shìjiè-Chuán, the music would be like, if it's possible, of the song "Bad Apple". In the battle, the people singing for encouraging the ones who are fighting the final boss.
In the 1st phase, it's would be only the divine spirits who singing.
In the 2nd phase, it's would be all the soldiers and the divines spirits who singing.
In the 3rd and the final phase, it's would be all Xianzhou Alliance (yes, Lan included too !) who singing.
The "R" attack ( like the Dan Heng attack during the Phantylia fight ) would be all the divine spirits and the two Marshals conferring their power to the Trailblazer, and then, he/she slashes the boss.
So, it's the end of the post... If you have questions for clarify something, you can in comments, and I would be respond with pleasure !
Bye byeeeeee !

I have been a teacher and assistant principal about 10 years ago. I am retired. Today, one of my former students called me out of the blue. He told me that he got my number from one of the staff. He started chatting with me. It all seemed friendly. Then he told me that my last name in his native language means "whore". I got angry and he hung up on me.
This all happened in California. I remember having this particular student being very troublesome in the past and having a lot of arguments with me.
Can I file a police report against him or take any legal actions?

I (25F) did not go to college for teaching. I went to a community college for a year and discovered that my heart was leading me towards art. Yes, I know, it's not the most practical degree. But I ignored the articles and my mother (64F) and transferred to a university where I spent the next few years working towards my Bachelor of Fine Arts, which I earned in December of 2020.
Leading up to my graduation, I started hunting for jobs that used my degree and was disheartened to not find any in my area. I won't specify where I am, but I live in one of the Southern States of the USA. The job market around here is very oil and gas, medical, sales and business, etc. It is very not artsy, and I started to doubt my choice in major, not for the first time. You see, back in my second year of college, I took an early childhood education course at my mother's request and decided that it wasn't for me after one too many booger-related incidents. So, when I was on the phone with a family friend who was a teacher, she suggested substitute teaching until I found what I was looking for -- since I already had some experience in the field through the one class I took.
I moved back in with my mother after graduating college and spent a couple of months job searching, with that substitute teaching job sitting in the back of my brain. It promised at least a little bit of income and a lot a bit of structure as I kept coming up with dead ends while looking for jobs in my artsy field. There was nothing in my city. There was nothing in my state. I didn't have the means to move out of state to go to New York or Los Angeles or Chicago.
So, I applied for the substitute teaching job and got it! I was happy. It was my first job ever, since my mother didn't want me working during college. I felt like a real adult for the first time.
The first job wasn't too bad. I was subbing for a first-grade class for a day and the kids were good. I didn't have any idea of what I was doing, but I read the instruction sheet that the teacher had left me and wrote behavior notes to leave for her.
The second job was awful. It was for a week for a Spanish class at one of the local high schools and absolutely no instructions were left for me. The teacher had been out for months, and they hadn't found a long-term sub or a replacement. The kids were rude and made snide remarks at me. Keep in mind, I was 22 at this time and some of these students were only three to four years younger than me. Only a couple of months before, I had been at school with kids their age. I didn't feel like I had control so I went next door to ask the Spanish teacher over there if she had some extra assignments I could give the kids. She literally said to me, "Figure out your own shit because I have shit to deal with, too." Which, fair. But, ouch.
The rest of the semester was much the same. Some good classes, but mostly bad ones. Getting lost in huge unfamiliar schools. Being berated by students and staff members. One principal waved me off and laughed in my face when I was done early for the day, and had asked if there was anything else I could do for them before I went home. One student raised his hand while I was giving instruction and asked if I "had head cancer since my forehead is so big." I had nightmares nightly about being in unfamiliar schools with never-ending hallways, students surrounding me, and unhelpful teachers and admin looking down at me and not helping.
The summer of '21 came and I was so grateful. Through one of my friends, I found a job at a local wine and craft shop where rich moms spent way too much money so their kids could slap paint down while the parents sipped on merlot at 11 AM. That store was its own mess that I won't get into too much. But long story short, I left the craft shop a couple of weeks into the new school year.
Once again, I was back into the fray of subbing. My energy levels were gone. My anger management was little to none. My relationship with my mother started to break down because I would come home, be snippy and short with her, and immediately go lay down. I was depressed and stuck in the constant loop of wake up, work, go home, sleep, dream of work, repeat. To break the monotony, I started writing a book during the downtime at work and after work at the library.
Then I saw a substitute request that changed everything. It was for a long-term position for an art class. My eyes lit up. Finally! A teaching job that involved my interests. I accepted the posting and they informed me that it would be for the rest of the school year. They also informed me that along with the two periods of art class, I would also be covering two periods of a video game design class and two periods of a code-writing class; both topics of which I have zero knowledge, but you don't have to know the topics to substitute for them. I was happy with the art classes and was elated to be able to actually write lesson plans, grade assignments, and have structure in the classroom since I would be there for an established period of time. Yes, there were issues with behavior, and I still had sleepless nights due to stress nightmares, but I had the book I was writing and the structure of being long-term, so I found a bit of a rhythm.
Most importantly, I was happy that the other teachers were nice. They took me under their wings and showed me the ropes. A few of them eventually asked the question, "Do you want to be a teacher?"
At this point of substitute teaching, I had a pre-loaded answer. Because there's no good way of saying, "Oh no, I hate the educational system and I think it's too flawed and substituting has been an active hell. But I'm staying in it because I'm too chickenshit to go back on the job market right now. And I don't want to leave my mother, who's now ailing, to move across the country to potentially fail at art." People would have looked at me as if I were insane if I had said all of that. So, I always said, "Maybe. I'm feeling it out by substituting."
Well, the school I was long-term subbing at had a hard time filling that position and had heard good recommendations from the other teachers about me. So, they offered me the job, without requiring me to get a teaching certificate. It was a significant pay raise. Instead of $1500/mo, if I was lucky, I would earn a guaranteed $4000/mo. And I would get health insurance.
I expressed doubts to my mother about taking the job full time. I still hated substitute teaching, and, at this point, I was making good headway on my book. I still had hopes of one day getting an arts-based job in our city or in another city in the state. She basically told me I needed a reality check. That no one loves their job, and that I was very lucky to get this well-paying job offer with benefits with the lack of skills I had. Of course, she broke it to me gentler than I'm summarizing here. But she convinced me that I should stay living with her, take the job, and start saving my money.
The next school year, '22-'23, I started my career as a teacher. I had 3 painting classes and 3 ESports classes, since our small district got rid of the video game design course. I was determined to do my best. I redecorated the room. Bought supplies. Organized the back computer lab portion of the room. Then, on the first day of school, I eagerly greeted my students.
The painting classes were amazing. Everything I could have dreamed. This was what I had trained for in college. This was the passion I had hoped to spread to my students... But then paint brushes would be snapped in half. Paint tubes would be left open to dry out. Screws would go missing from the easels rendering them useless. I would either have to pay for replacements out of my own pocket or submit a purchase request to the district that fell on deaf ears.
The ESports classes... were hell. Good god. I didn't know much about video games and video game culture going into this, but my eyes need bleach. My ears, too. Actually, let's go ahead and rinse off my whole brain. The slurs these kids would try to shout. The violence when they lost a match. They would slam their fists on the desks, they would physically punch each other or kick their chairs or unplug each other's computers in the middle of them running. And I didn't just sit there and watch it happen. I stood between angry students, I corrected foul language, I wrote so many office referrals my fingers were falling off. But the office never did anything. We weren't allowed to send kids out of the room. We weren't allowed to exclude them from class activities. If a parent protested an office referral, it would be thrown out all together and I would be the one asked to apologize to the child.
My eagerness soon turned to numbness. I started having stress nightmares again, but about my own classroom with my own students threatening me or threatening each other. When I mentioned my unhappiness to my mother, she said "This is what being an adult is." I fell further and further into depression. My only solace was writing my book.
My mother's health declined to the point of being hospitalized - first at a hospital, then at a mental hospital for about a month. I won't give details out of respect for her, but I thought that I was going to lose her in 2022. Then her sister died out of the blue and I, somehow by the grace of God, got her out of the mental hospital in time for the funeral. But my mom was never the same afterwards and retired from working. Our relationship was never the same, either. I think I resented her for encouraging me into teaching? Or maybe I resented her for getting sick? I don't know. I stopped talking to her as much and retreated into writing my book when I wasn't working.
Summer of '23 came and I finished writing the first draft of my book. I was elated. I thought, "Finally, here's what will get me out of teaching. I can publish this book, then work on a sequel or another book altogether!" I asked my mom to read it. She refused because she didn't like the genre and she didn't have the focus to finish a whole book. I threw myself into editing that summer, spending days in my room or at the library. I'll admit, I became hyper fixated. I talked about my book with my friends and cousins nonstop. I tried to bring it up to my mom. I thought I would become the next big success story.
The '23-'24 school year started and I was determined that I would find an agent by the end of the school year. I finished my second draft in November. I still struggled with work, but I honestly saw a glimpse of hope on the horizon. I knew going into the publishing industry would be a lot of work, but I desperately wanted out of teaching. I wanted out of my mom's house. I wanted to officially Start My Life.
January of this year changed everything. My mom and I were fighting, as we often did, and for the first time I got upset enough to stay at a friend's house for a few nights to clear my head and to let the atmosphere in the house air out. While at my friend's house, I started looking at some apartments downtown. I found a cute one. I felt bad about going behind my mom's back, but I wanted to start that mythical New Life of mine. It would be a few weeks until I could move, though. And I couldn't stay away from my mom forever. I tried to call her, and it went straight to voicemail. I got mad that she had let her phone die. So, I went home.
I found my mom dead in the living room. She had fallen asleep and never woken up. She died while we were fighting. Which, to be fair, we fought a lot, so it was only a matter of probability that that should happen. But it's still something that I scream about into the night. I call out for my mom, but she's not there. She's gone, and I feel like it was my fault. Because I was too depressed from my job to just sit with her after work instead of sleeping or writing. Because I was too wrapped up in trying to get away from my job to be with her in her final days.
I took off of work to plan the funeral. I cancelled the application for the apartment. I deleted my saved publishing agents. I withdrew from my writing group.
I eventually got back to work. My assistant principal called me in and informed me that, per district policy, I have to be written up for my 'excessive absences'. My only solace about that is that she tore up the write up after I started crying and told me not to worry about it.
My students were sympathetic, but not sympathetic enough to be decent human beings towards each other. Not even towards me. A student built a swastika in Roblox in class and threatened to kill me after I asked him to delete it.
I don't care about anything anymore. My mom wanted me to be secure with a good paying job with benefits, and I have that, no matter how miserable I am inside of it. She left me the house and a $50,000 life insurance policy that I don't know what to do with. I've never lived on my own so it's my first time in an empty house with just me and my dog. I feel like I made a deal with a genie -- you get what you asked for, but it's twisted into something horrible that you never wanted.
My family thinks I should sell the house, but the rental market is insane right now. I should know, I was too busy searching to be there for my mom. Besides, I don't want to sell her things. I don't want to sell the house we lived in together. Her bedroom walls are lined with the flowers from her funeral that I hung to dry. I sealed the room up like a tomb.
I go to work. I tell the kids what projects to work on. I sit there. I watch them. I'm numb. My book gathers dust on my hard drive.
I go home. I sit and stare at the spot where my mom died. I drink wine. I take my new antidepressants. I gorge myself on fast food. I die a bit inside each day.
To be honest, I don't know why I'm writing this. As a form of therapy? Perhaps. A confessional about how shitty I was to my mom? About how I'm failing her even in death? Another perhaps. All I know is that my life is hell whether I'm at work or at home now. I don't have any hopes for any 'new life' there may be for myself. I'm trapped in the monotonous hellish comfort of a steady paycheck.
I think my life ended the day I started substitute teaching. I just didn't know it.

Hey everyone,
This may be silly question, but my partner and I will be earning ~800K, no debt. We’re building a home for 1.5-2 million, hopefully will start the building in the next 6 months - 1 year.
We have 400K set aside for a down payment. We save aggressively and max out our retirement accounts. For the next 1-2 years, would it make sense to divert funds from our retirement accounts to save for a larger down payment/make more early payments toward the principal given the interest rates we’re seeing currently? Or do the tax advantages and compounding benefits of funding our retirement account outweigh this?

All,
My Google Fu is failing me. For the last several years I've been making an annual lump sum of $3,000 towards my mortgage principal in March. The same month that I generally rebalance my retirement accounts, max-out my IRA, etc.
I've seen articles over the years debating whether it's better to a) pay more towards your principal each month or b) pay an annual lump sum. However I've never gotten clarity.
So Reddit, am I better off paying extra monthly OR continue doing what I'm doing?
Thank you!

Hello, any advice or insight into my situation would be appreciated.
The background:
I completed a master's thesis in 2021. My supervisors thought it was good enough to publish in a high-quality journal, so I began turning it into a manuscript and started a PhD in 2022 with the same principal supervisor but a different associate supervisor. My dad got sick in 2022 and died in 2023, which affected my productivity and caused me to put a formal interruption on my PhD for 2023. I have a feeling this has been inconvenient (in the way that it has been annoying for them to have to dedicate any time toward it administratively) for my 2 most senior supervisors because they have been very frosty with me when they weren't before.
The problem I'm having:
The associate supervisor from my master's thesis, my coauthor, has been sitting on a draft of the manuscript since 2022. We were supposed to polish the draft before giving it to my principal supervisor for the final review. She told me repeatedly (even up to a month ago) that she was busy looking at it but never did get back to me, and has now left academia and ghosted everyone. I got tired of waiting a long time ago, so I did the best I could on the paper and gave it to my principal supervisor for his review. A month ago he said he would get back to me within 3 days but never did and also does not answer any emails (both about the paper and other things related to my PhD). He is currently overseas because he has a joint appointment with a European university. I can't just be patient because I found out my other PhD supervisor (Who is my ex-principal PhD supervisor but retired in 2022 and is now 10% associate supervisor as an emeritus professor. Master's principal took over his position as principal), has now written a manuscript on the exact same thing as me, which will obviously be way better than mine. He knows I am working on this paper. I delivered a seminar that he attended. I don't know for sure, but my current principal supervisor may be a coauthor on his paper. I think this because the postdoc who has a grant with each of them is on the paper. I want to just go ahead and submit it but I'm just a student and this is my first paper, so there is a very low chance of it being accepted without their input. Also, I feel like it would sour my relationship with my principal supervisor, not that he gives a shit about me anyway, but I don't want to antagonise him and potentially turn his apathy toward me into complete aversion. I am just lucky my other associate PhD supervisor is helpful and treats me well.
To summarise:
I'm trying to submit a paper but one coauthor has left academia and ghosted everyone, my principal supervisor and coauthor is semi-ghosting me, and my other PhD supervisor is snaking the paper off me.

Fritz Jacob Haber est l’un des plus brillant chimiste de XXéme siècle. Il est né le 9 décembre 1868 à Breslau en Allemagne. C’est un criminel de guerre, un assassin en masse grâce aux armes chimiques qu’il a développées mais c’est aussi une personne qui a sauvé plus de personnes que n’importe qui avant lui.
Il est issu d’une famille juive qui n'était pas vraiment pratiquante. Siegfried Haber, son père est qui possède une entreprise de colorants et principal exportateur d’indigo naturel et sa mère, Paula Haber, est décédée quelques semaine après sa naissance. Fait très important, malgré ses origines juives, il a été éduqué dans le plus grand respect des valeurs germaniques, fessant de lui le plus patriote allemands que n’importe quel autre allemand d’origine et ce sans aucune exagération.
Vers la fin du 19éme siècle, l’Allemagne possède une grande industrie parfaitement harmonisée avec l’université, comptait énormément de savants, 11 fois plus de savant en Allemagne à l’époque qu’en France. Le jeune Fritz étudie la chimie et passe un doctorat en chimie organique en 1991, à l’âge de 23 ans. Il décide à ce moment-là d’abandonner le judaïsme pour devenir luthérien. Ce choix retirant les restrictions causées par le racisme des juifs. En 1901 il épousa Clara Immerwahr, qui comme lui est une juive convertie et aussi est doctorat en chimie, ce qui était très rare pour une femme à l’époque.
Parallèlement à ça, la population mondial, 1,5 milliard de personnes, dépasse largement la production de denrées alimentaires pour la planète, on prévoit avant 1931, la famine et les guerres serons les seuls moyens de rééquilibré les choses. La seule solution pour Fritz est de pouvoir synthétiser les engrais azotés, donc les nitrates, à partir de l’ammoniaque en prélevant l’azote directement dans l’air. Le problème est que le diazote est très stable grâce à ses trois liaisons covalentes, autrement dit, solide, difficile à détacher. Et en même temps, la course aux armements dû aux multiples crises de l’époque, demande énormément de nitrate car il est utilisé pour amorcer les explosifs et peux directement servir d’explosifs. Déjà, qu’ils n’avaient pas assez de nitrates pour juste nourrir les gens, le problème était de taille. Le producteur principal de nitrates à l’époque était le Chili. Fritz ce lança donc dans des travaux pour synthétiser le nitrates pour rendre l’Allemagne indépendantes.
En 1909, il réussit à fixer l’azote contenue dans l’air pour fabriquer de l’ammoniaque. En 1913 avec Carl Bosch, ils mettront au point le procédé de synthèse de l’ammoniaque. Procédé qui est à ce jour considéré comme la plus grande avancée scientifique et technique de XXème siècle. Maintenant l’Allemagne peut fabriquer autant d’explosifs qu’elle veut. Et par la même occasion ce procédé permet de fabriquer de l’ammoniaque permis aussi de fabriquer des engrais qui sauva l’humanité de la famine mondiale annoncé. Il eut le prix nobel de chimie en 1919 pour l’année 1918 au titre de l’avancée de ses travaux dans le « bien être de l’humanité ».
Mais ça pausera quelques problèmes car Haber est avant tout un criminel de guerre. En 1911, il devient le directeur de l’institut Kaiser Wilhelm de physico-chimie et électrochimie. Malgré la convention de la haye qui interdit l’usage de poison, de gaz toxique ou asphyxiant dans le cadre de la guerre, il se dit que ce serait une bonne idée de faire des recherches sur les gaz de combat. Il se pencha sur le chlore, assez lourd pour bien se tasser dans les tranchées, ça peut liquéfier : les muqueuses, les yeux, la bouche et les poumons. Les personnes qui en inhalent peuvent littéralement se noyer dans leurs tissus en liquéfaction, qui plaisait à Haber. Il est nommé Capitaine par ordre expresse du chancelier allemand en personne pour tester son gaz en guerre, à sa grande fierté.
Le 22 avril 1915, 168 tonnes de chlore son déversé au nord d’Ypres…en Belgique sous la supervision du Capitaine Haber. Bilan 5000 morts 15 000 blessés, tellement terrifiant que les Allemands ont réussi une percée de 7 kilomètres de large dans nos lignes alliées et qui décident de ne plus l’utiliser ! Mais par peur qu’eux aussi subissent des dégâts…
Suite à ça Fritz rentre chez lui, gonflé d’orgueil, mais sa femme l’interpelât dès son arrivé pour lui supplier d’arrêté de détruire le monde. Etant impossible pour sa femme de le faire changer d’avis, elle décida de se suicider en se tirant une balle, mais il y beaucoup de zone noire à propos de ce fait. Il n’a jamais eu d’enquête ou d’autopsie. Mais bien sûr après cette événement, Fritz parti le lendemain sur le front russe pour superviser une autre attaque.
Puis il retourna dans son institut pour améliorer ses procédés, il va notamment calculer le temps d’exposition et la concentration d’un gaz pour tuer un homme. Ça s’appelle même la « constance de Haber », encore utiliser aujourd’hui. Et il va également améliorer ses gaz de combat car évidement le chlore ce n’étais pas suffisant… Le phosgène et l’ypérite (ypérite en référence du batail de Ypres, une vraie âme de poète), ypérite aussi connue sous le nom de gaz moutarde. La particularité du gaz d’ypérite sont en plus d’être encore un peut plus lourde, pour encore mieux se tasser dans les tranchées, un simple contact cutané cause des blessures effroyables.
Il eu même de nombre offre pour monter des usine d’armes chimique mais il les refusât toute car l’Allemagne passe avant tout !
L’Allemagne après la première guerre mondiale, le pays est condamner à payer seul tous les dommages causé par la guerre mais Fritz pense que tout seul il serai capable de donner une solution à l’Allemagne pour tout payer. En voulant extraire tout l’or des océans malgré la très faible quantité. Il décida quant même de monter un bateau expérimental, parti en mer pour quatre à cinq an , couta beaucoup d’argent pour rentrer sans aucun résultat.
A l’arriver de la deuxième guerre mondiale, il eu une fuite des cerveaux, l’immigration des savant, mais pas Haber fidèle à son pays malgré son sang juif. A l’arrivé au pouvoir d’Hitler, Einstein est au Etat-Unis et Haber en France, Einstein explique alors à quel point retourner en Allemagne est dangereux mais Haber décida tout de même de rentrer dans son pays pour travailler. Après l’incendie du Reichstag, en 1933, siège du parlement Allemand, Hitler décide de mener une sévère répression contre tout groupe de personne qu’il n’apprécie gère ( homosexuel, populiste, démocrate,…). Toute ces population només doivent démissionner de leurs postes en fonction publique. Sauf les vétérans de guerre, notamment le capitaine Fritz Haber et son ami James Franck, prix Nobel de physique en 1925. Mais il doivent virer tout leurs subalternes, Franck refusa et démissionna. Franck tenta de résonner Haber par correspondance et Haber accepta après 6 mois, il démissionne aussi et quitta l’Allemagne. Il parti à Cambridge pendant quelque mois, comme l’endroit ne lui à pas plut du tout, il parti balte pour y mourir un an après.
Les Allemands après sa mort, ce pencheront sur un pesticide classique et avec une odeur suffisamment d’désagréable pour alerter les gens autour, pour l’utiliser comme arme. Ils se débarrasseront de l’odeur et augmenta la concentration du produit pour créer le fameux gaz Zyklon, responsable de la mort de 6 millions de personnes ; hommes, femmes enfants, y compris de membre de la famille d’Haber.

32M who wants to retire by 45. Married with no kids and no plans to have them too. My parents live with me and my wife.
Present after tax income as follows. Net salary: 2.85L per month. Net bonuses: 12L. RSU: 12L(don't want to sell them)
Savings: SBI ULIP: 12L. PF: 12L. RSU vested: 15L(don't want to sell them). NPS: 2L. PPF: 2L.
Loans: and EMIs: I bought a home couple of years back for 1cr which is currently valuabled at 1.6cr. I have 60L loan outstanding on this. House EMI: 65K PM Car EMI: 19L (principal outstanding 10L)
Last two years I could not invest much due to house purchase and to clear some personal loan I took during house purchase and vacations.
Currently my only expenses are 85K EMI and 40K monthly expenses. Need advice on how to go about investing in the current market. I feel I missed the Indian market ralley in the last two years. So what are my best options with about 1.6L monthly income?
Thanks in advance.

So Saxe is driving a new vehicle with (I was told by a very reliable source) cost well over a hundred thousand dollars (and included red police like lights and other unneeded things), the contract that is floating around DOES NOT include everything that he is receiving (he gets dry cleaning, a daily meal allowance, and other things) and his wife’s company is the company that gets the contracts on all the new school builds (and hires ex-principals that where forced to retire due to shady things). When is the State going to step in and legitimately audit the BOE?
I think the BOE and Saxe cut the funding to the parks and libraries, to make up money they had spent illegally and that is the reason they were pushing so hard to get it passed. There is something crooked going on. Smoke is everywhere and you can barely see! There has to be a fire somewhere!