Retirement cake sayings

I have had an initial meeting with a financial advisor who gathered all information but I am not sure how to proceed. Just having a confirmation of my understanding of how the pension taper affects me will cost 1,500 pounds (calculate adjusted and threshold income, remaining years' left over allowances). That should take less than an hour for someone who knows that they are doing. I mostly want to run through our situation and plans to get a sanity check that I have not missed anything obvious. Despite the direct question, I did not get a reply that says "let's do this, and here is much I will charge".
I have been doing a lot of reading on forums and feel I have a good understanding how everything works. I built a spreadsheet to project pension and ISA savings into retirement where I occasionally model different scenarios, such as coasting from 50 followed by ISA bridge from 55, then pension.
Married, both beg 40, 2 children in primary school. Maxing out employer's pension contribution which gets fully matched up to 8% salary sacrifice but capped at 160k base salary, so maximum I can put in is 12,800 with the same coming from the employer. I will hit the pension taper this year. We are maxing out our ISAs. Pension and ISA are invested in an index fund. We own a home with 556k left on the mortgage. We balance how we spend our money with a good amount going into holidays but we drive an old car that has been holding up pretty well.
Here is my plan: * use my carried over pension annual allowance (about 9k from 3 years ago) * keep using employer matching and use scheme pays for AA charge * max out pension annual allowance for my wife * keep maxing out our ISAs * overpay the mortgage by 20k each year such that it is paid off when I reach 55 * put the rest into GIA
Is there anything missing or something we should be considering? Future university costs for children will come out of GIA or incoming cash. We put some money aside for emergencies or a new car eventually.
My total compensation is 336k (software engineering manager in London) and wife's is 130k.

Hey Burmese lovers! I’ve been on a wait list for a Burmese kitten for a few months now. A reputable breeder contacted me saying while they don’t have any kittens, they think our family might be just perfect for a 4 year old retired Burmese who’s looking for her forever home. This was one of their Queens who had her babies and is ready to move on to her forever family. While I had my heart set on a kitten, so many positives have come to mind. -Already spayed and microchipped -established personality is sweet, affectionate, cuddly -bypass the mischievous, insanely busy kitten phase -providing a safe home and a beautiful life for a cat who’s looking for exactly that.
I’ve never adopted an ‘older’ cat, my only experience was with our one and only Burmilla who we fell in love with as a kitten, and just recently crossed the rainbow bridge at the age of 15.
My question is, and I know it probably sounds like a weird one, when taking on a 4 year old cat, what does this look like? Will I love her, and will she love us, to the same degree (eventually, anyways) as if we had taken her on as a kitten? Is that bonding process something that can happen at any point in a cats life? Or will she always really feel like somebody else’s cat who just lives with us? I have two kids, and that vision of us welcoming a kitten into our family is a very dominate dream. But also, I had a feeling that our next fur baby would find us, not the other way around, and I can’t seem to stop thinking about this potential new member of the family. Is this simply meant to be?
Any advice from those who have adopted an ‘older’ cat? Would love to hear about some experiences, or pros and cons I haven’t thought of. Would appreciate some outside views on this topic very much!

She tested positive for whooping cough almost 2 months ago but continues to cough to the point of throwing up daily. She was on prednisone, nothing. She can’t keep cough syrup down. She did a lung test, esophagus test, nothing is abnormal. She says her left side is in pain and she has a migraine. I have taken her to the ER 4+ times because even tonight she has thrown up all her food and feels like she can’t breathe. They refuse to admit her, and each time refer her to a specialist, but specialists are all over a 3 month wait (one of whom already cancelled extending our wait.) Her regular doctor retired in January, and her new doctor had the same advice as the ER…follow up with a specialist. I am at a total loss. Is there something we can say that will get her to be admitted? Nothing is helping her.

Olé! I wanna know how BG3 is running on M1 chips according to users at the moment. Does the Air 8gb somehow manages to run it, does the pro runs it? Is it necessary to go for 16gb? Those kind of questions. ( some people argue it runs on Air 8gb, some others say it doesn’t, some said it runs well, some respond that it NEEDS 16gb, so I can’t satisfying answers )
So that you have an image, I wanna go for the Mac experience and am currently looking for base m1 models ( won’t purchase higher ) ; if at the same time I can run BG3, that’s cherry on the cake ( otherwise fuck it I’ll keep murdering my kids on CK 3 )
And to define “ it runs “: talking about a non gaming laptop, Mid settings -30 fps qualifies as “ it runs “ imo Oh, and if it runs the act 3 aswell!!!
Thanks for the answers fellas

Hello All,
they say play stupid games, win stupid prizes. I won mine last weekend when I was coming from Rotterdam in a Flix Bus. I have never done any such thing like this before. my stupid mind thought its not a problem since now its legal in Germany as well and my mistake is first I did not care to confirm, second why the fuck I was bringing the cake. I was travelling with my wife and thought it would be fun to try this cake at home, the bus was stopped at the custom check point, they lined up everyone with the luggage and brought a dog to smell everyone's luggage and of course the dog did what he is trained to do. they took the cake, my information, told me that they are now starting a criminal proceeding against me and asked me if I had to say anything about it, I said sorry so they wrote no comments I think. I asked if I am in trouble, they said you will receive a letter in couple of months with a warning but if I am caught again, I am surely in trouble (never going to happen). I embarrassed my wife in front of the whole bus, this is certainly one of the worst decision of my life which unfortunately can never be undone. We are Asian people, I was hoping to apply for a PR soon and recently cleared my theory exam for driving, additionally, I have invited my parents to visit me on visit visa, literally the worst time to commit this crime. Not sure how this will have an effect on these things. Is it going to be in my Criminal Record which is usually asked by a new employer? How will it effect my PR application or my driving license application or my parents visa? Will I have problem at the custom check in the airport when I am trying to enter Germany? The deed is done now, all I am left with is the regret. I am a big overthinker which is killing me since it happened. anyone who has experienced this before?

Even before Indiana abortion restrictions took effect last year, Indiana in 2022 had a lower ratio (9.86) of nurses to 1,000 population than neighboring states of Kentucky ( 9.97), Michigan (10.11), and Ohio (11.09). Indiana's new abortion restrictions may result in existing and prospective nurses choosing other careers, leaving Indiana, or becoming traveling nurses. Young women especially are conscious how abortion restrictions may impact their health needs personally, let alone professionally as nurses.
https://nursejournal.org/articles/the-us-nursing-shortage-state-by-state-breakdown/
As noted in the above article, nursing shortages are a national problem to be aggravated by an expected increase in retirees as well as increased demand as Baby Boomers age and require more medical services.
<< A lack of nurse educators keeps nursing schools from being able to admit enough students to address the shortfall. A shortage of nurses means more burnout and more nurses choosing to leave the profession, contributing to the shortage.
In addition, the aging of Baby Boomers means that more nurses are retiring at a time when an aging population has a greater need for healthcare providers. The COVID-19 pandemic exacerbated the nursing shortage.>>
Many Indiana women rely on medication abortions aided by doctors practicing remotely in other states, who often rely on "shield laws" in those states to protect them from prosecution in states with abortion restrictions. If anti-abortion states are successful in blocking these shield laws and restricting telemedicine abortions, Indiana may become even less attractive to young women concerned with their own reproductive rights.
<< A clash is looming between anti-abortion red states and the blue state telemedicine shield laws trying to preserve abortion access.
More than a dozen states have laws shielding medical providers and others from out-of-state investigations and prosecutions regarding abortions and gender affirming care. But six states — Colorado, Massachusetts, New York, California, Vermont and Washington — have gone even further.
Those shield laws offer protection for doctors, nurses and other practitioners who prescribe and send abortion pills to people living in states that ban or severely restrict abortion.>>
https://thehill.com/policy/healthcare/4671299-abortion-bans-clash-shield-laws/
<< According to a new report from the abortion-rights research group Society of Family Planning, nearly 8,000 people per month in states with bans or severe restrictions were getting medication abortion from clinicians operating under shield law protections from October through December 2023. >>
The personal turmoil of nursing in states with abortion bans and restrictions also lessens the desirability of those states not only for nursing recruits, but also existing nurses.
<< National articles provide a look at how some nurses and physicians are quitting or moving because they cannot handle the trauma they see when women are denied health- and life-saving abortion care during a pregnancy crisis. For instance, Leah Wilson, a Texas nurse, had to watch her pregnant patient for days as the woman’s infection worsened and drew closer to sepsis because the fetus still registered a heartbeat when the woman’s water broke at 19 weeks of pregnancy. The nurse said, “You know what? I’m not doing this anymore,” and she left her job. Wilson had worked with high-risk pregnancy patients before and provided them with support for fetal loss, but she had never seen patients denied standard medical care until after Roe v. Wade was overturned.>>
https://www.reliasmedia.com/articles/abortion-bans-lead-physicians-nurses-to-avoid-certain-states
https://www.nursingworld.org/practice-policy/work-environment/health-safety/srh-advocacy/
Shortages of nurses increase the workplace burdens and stress for remaining nurses. This can compromise the quality of healthcare for patients, as does Indiana laws providing for lax continuing education requirements and lowered training supervision quality for student nurses.
Unlike neighboring states, Indiana has no continuing education requirements for RNs or LPNs.
https://www.nursingce.com/ceu-requirements/indiana
https://www.nursingcenter.com/continuing-education/ce-state-requirements
<< Estimates predict that Indiana would need an additional 5,000 nurses by 2031, equal to graduating an additional 1,300 nurses each year until that time, according to the Indiana Hospital Association. >>
https://indianacapitalchronicle.com/2024/02/12/indiana-has-a-problem-a-lack-of-nurses-and-lawmakers-are-trying-to-help/
To increase the supply of nurses, a new bill would ease the requirements for nurses supervising student nurses.
<< While most of the bill received glowing support in testimony, one issue was a bit of a sticking point for nurses working in clinical settings: language striking minimums for preceptors, or licensed nurses supervising students during rotation. Previously, preceptors needed 18 months of experience before they could be drafted to teach and mentor the next generation.
The new law has no minimum requirement.
Rep. Cindy Ledbetter, a nurse practitioner with a doctorate, cautioned against the move, saying unprepared nurses would be given to students to address a shortage.
“My concern is you have a brand new nurse and the hospital requires them to precept and they’re not ready to translate what they’ve learned in the classroom themselves into a real-world scenario,” said Ledbetter, R-Newburgh. “(I’m concerned) that we’re going to … lose more nurses on the other end.”>>

I’m gonna try to make this as simple as possible. Basically I’ve been dealing with this woman since 2019 and at first I thought she was sweet, spiritual, and innocent, boyyyy was I wrong.. as time went on I started to see the real her. She’s very manipulative, a pathological liar, narcissist, and she has cluster B border line personality disorder. The night we met she fed me a bunch of lies which I uncovered overtime for example she told me the first night we met that she had been raped the year prior while she was in school(which I later found out was not true whatsoever. Months down the line she would even talk about exs that were “abusive” towards her which I later also found out wasn’t true. Fast forward to February of 2020 she ended up pregnant with our first child and a couple months into the pregnancy she just decided she’s not gonna deal with me anymore, so I ended up dating a woman I’ve known since middle school. She found out about this and next thing I know the sheriffs are serving me a restraining order accusing me of rape!!! When we showed up for court she immediately dropped the order before we even could talk to the judge. Fast forward to when my child was born in December of 2020 she texts me that she just had the baby and I asked if I could come up there and she said “no” and as time goes on she start’s blatantly keeping my child from me I didn’t meet my first born until February of 2021, and that’s when she tried to reconcile whatever situationship we had and would go on to apologize for the accusations saying her family foster her to do that so that I won’t be able to be in my child’s life which of course was a lie that was her decision. As time goes on the girl I was dating passed away and I was distraught so my baby mother comes around and I ended up coming up on money and decided to get us an apartment with our child two months into staying there I had a seizure while sleeping and instead of staying there to help she takes my child and leaves and proceeded to text my mom a picture of me in bed having the seizure and even tells my mom I was hitting her while having a seizure …. She blocked me again after that and a month later comes back around againnnn I guess basically to just have sex with me and then blocks me again and keeps me from my child, and at that point she was pregnant with my second child. I didn’t see my oldest for 6-7 months I had moved on to a nice relationship with a wonderful woman by that time and my second child was born, and that’s when I decided to take this stuff to court and the judge reprimanded her for isolating my kids from me and a custody order was placed for them to be with me every other weekend. During the custody court date she tried telling the judge I was abusive and all that nonsense and the judge seen right through it and didn’t pay it any attention, so two months after that she starts reaching out more and trying to have normal conversations and I would go along with it like a idiot and she wanted to hook up again and we did a few times, in which my girlfriend found out and we broke up and then weeks after that my baby moms ghost me again, still following the order tho. A month later my girlfriend and I got back on good terms and she notices and tries to get me to sabotage my relationship again! It doesn’t really work and I came to find out she would tell her family I was abusing her and a bunch of other ridiculous lies. This time CPS gets involved and investigates me for DV, which didn’t work. Now let’s fast forward to two years later, my babymom keeps coming in and out of my life(I don’t know why I let her honestly) she thinks about leaving to the military and I took the kids while she tries to go to the recruiting camp or whatever to see if she can enlist which she can’t because apparently she’s been committed by her mother a few times.. I stopped dealing with her for a while until some months back, she calls herself apologizing for everything she’s done to me and we start hanging out again but at this point I no longer am in love with her I wanted to go be with the woman I was still in love with that she thought she Sabotaged, and when I confessed this to her and that I can’t deal with how much she lies and plays these mental games and before I try to go home she tells me she’s gonna kill herself when I go home and I had her committed at her own request, she stayed for about a week and a half. Gets out and was put on meds and therapy which she stopped using after a couple of months. Me and the girl I’m in love with are still seeing each other and me and my babymoms stopped dealing with each other yet again. I get a knock on the door about a month or two later with getting served another restraining order falsely accusing me of abuse yet again I didn’t fight it cuz I’m really tired of her at this point. We started hanging out just taking the boys to the park and stuff like that just to try to bond with our kids as a family despite everything… she starts wanting to get intimate and I actually didn’t want to this time and then she starts telling me a bunch of lies about how she hasn’t been with anybody and a whole bunch of non sense that I know is false, and I snapped on her and called her out on all of it, I went wrong in the conversation and threw her phone back at her but it wasn’t in a aggressive way it hits her on the eye and I apologized and everything and I still say I don’t wanna be intimate with her and wanna be with the same woman that I’m in love with still, and then she begins to start that “I wanna kill myself” bullshit again except this time I don’t commit her cuz I realize she just tries to get pity from me and everybody else however she can. The next day she texts and asks for a bag she left at my house I told her I’d leave it on the porch for her. When she pulls up me and my girlfriend and her son are outside playing, out of nowhere her uncles jumps out her car and attacks me while my kids are watching from her car and my girlfriend’s son was right there in front of all this he then runs back to her car and they pull off quickly. The phone left her eye a lil black when I threw it at her and she even admitted that to my brother through text and to me in text that it was the phone, but typical crazy girl fashion she even texts my girlfriend after her and her uncle left a picture of her eye and says “you better leave him alone before this happens to you” she reported the incident to police weeks later but no charges were filed, CPS reached out to me yet again and I explain to them what happened over the phone and they didn’t seem to adamant about opening up a case. After the attack from her uncle I go to the courts and filed for motion of contempt for not following the custody arrangement on a few occasions, one of being that she had her u cake attack me with my kids present and one of the requirements on the order is to not let the other parent be harmed in any way in front of the children which the judge signed off on and we have court later today for. So yesterday she reaches out after it’s been almost two months since that whole attack from her uncle saying how she misses me and she wants to get the restraining order dropped, and she wants to sleep with me, and see me, and all that. And I actually let her come meet up with me at the mall just to kind of see where her headspace is. Long story short came to find out she was dating some guy and I told him all about her in which he agreed that she lies about every single thing and it’s almost impossible to believe a word out her mouth. this girl has some serious issues and I really want full custody of my boys because I’m scared for their safety being with her as she’s really unstable and flat out crazy, I know hiring an attorney would be the easiest route and me and my family are willing to go in on one but it’s so expensive that if I can do it without an attorney I would like that, would the judge wnat to hear about any of this at this custody violation hearing? Or should I open another case for that separately? I did mention to CPS when they asked me if I had any concerns about my kids being with her I didn’t really want to say too much because I was going to court anyway but I did tell them she smokes marijuana often and drinks very often. I know I should’ve just told them about her mental health problems right then and there but I was still kinda in shock they called me in the first place. Now most of this stuff is documented in texts and pictures, what would you do in this situation? Like what’s the best way of going about fighting her for full custody?

This is mostly a rant about the grief I feel about losing a couple of my friends. In general I’m a fierce friend, very loyal and very supportive to the circle of people I call my own. It just so happened that over the past year I realized how I was putting in way more effort into a couple of friendships than I was getting happiness out of it, but I was doing it because I wanted to be a good friend. Over time I started putting myself first and enforcing boundaries about what I can and cannot do and that has eventually resulted in me losing touch with those friends. Which confirms my initial instinct that they were my friends because of all the effort I was putting in!
Friend A (30F), B (28F) and C(27F) have all been good friends of mine for years, one of them since school and one since college. I have gone above and beyond for them whenever they needed me, or they were in trouble. A went through a breakup and I’ve helped her through it, listening to her rants and breakdowns for almost a year. B was depressed for a while so I flew down to stay with her for a bit, cleaned her apartment, got her groceries, took her out to cheer her up. C was struggling a lot in her personal life, she would call me any time of the day/night crying when she was drunk or high and vent to me about how lonely she felt in a new city. so I surprised her with a visit too. I believe I have always been there for them and I’ve been a good friend. I send all of the gifts or a cake for their birthdays, I love making other people feel special on their birthdays.
Recently I had a personal tragedy, and none of them showed up for me. None of them even called me, they only replied to my texts saying no when I asked. C also gossiped about me, which spread, leading to my mom finding out about things she didn’t need to know. It felt like she broke my trust when I confided in her. B never reaches out on her own anyway, she only responds. A and C will only call me when they’re in need of help and crying.
It felt like a slap in the face honestly and now I can’t look at any of them the same way. I stopped initiating anything and none of them reached out. A was calling me while I was dealing with my personal tragedy asking for help with her issues. So I started enforcing boundaries and saying no when I didn’t have the mental space to deal with them. I had a conversation about this with A and how I felt and basically she said she didn’t feel welcome enough because if I wanted her to be there for me I would have arranged for her stay but I didn’t. This felt like a further reason for me to put myself first because clearly even when I was in need, A expected me to think of her first. B just didn’t reach out at all and when I asked she said she didn’t have enough PTOs. C texted me because she was mad that she heard it from someone else first and said she would have come if I had called her and told her personally. At this point I got really mad because I was dealing with my own issues and she was expecting me to put her first, so I told her what I expected from her and the rest was up to her, but she’s not going to get some personalized invite before everyone else because this is not about her and to not make it about her. She also got mad and said a lot of things, ultimately saying she wouldn’t come even if she could. In the end my mom called her separately, without me knowing, and asked her to come to be with me so she came. But she didn’t speak to me the entire time. I tried to talk to her and she only talked about herself and what she was doing but she didn’t ask me anything about myself and she said she was only there because my mom asked her.
All of this really opened my eyes about which of my friends genuinely care about me and are there for me, and I have actively started thinking of myself first and drawing boundaries with these friends.
But it also makes me think if I’m being selfish? Like was I good friends with them because I expected something in return, for them to be there for me? And because they weren’t now I’m not able to move past it and see them as friends. I just feel hurt and I’m not sure how to get over this. I don’t think I will ever go back to how I was with them, because I don’t feel that kinda love for them anymore. So does that mean my love for them was fickle? Am I a terrible person? Because I’m sure in their eyes I seem like someone who has just reduced contact with them because ONCE they weren’t there for me. And now I’ve basically lost them as friends. Why can I not get over this?
TL;DR: Enforced boundaries with friends who were taking me for granted and now I feel guilty

As the title says, I’m 32 and right now expecting I’ll retire before I’m 35, frankly I’ve made a handful of lucky trades in the finance game and just feeling like once my money starts making more money in interest than I am, there’s no point in grinding away 50+ hours a week working for somebody else’s dreams.
However, wondering more especially how do I handle this situation in regards to friends and family and future partners, I’m single and still dating around off and on, when I retire, it changes the logistics of life. Like I’ve always been very closeted about my financial situation, people know I like and follow the stock market but nobody knows I have “retirement” money. I feel like lying and saying I’m still working is shitty, but if I don’t, it comes with the added temptation of knowing somebody else has “more to spare.” Idk, I definitely know I’m overthinking this, I just know I already struggle with gauging people’s feelings normally, I don’t wanna spend a lifetime second guessing if somebody likes me or my money. When do you have the “I retired” conversation in a relationship? How do you deal with the stigma of meeting your girlfriend’s parents and not sounding like a trust fund baby or like an unemployed bum. Idk, I’m definitely ready to be done working when and if that option is available to me, but I feel like there’s an unimaginable amount to wrap my head around.
Any advice on where to start?
P.s. retirement to me isn’t sitting around the house or sipping beer poolside, it’s more having the freedom to explore doing more with my photography, travel and enjoy life, take time for the little things.

Hi everyone - hope you're all having good days / nights wherever you are in the world 😊
Could I please get your thoughts and feedback on suitable 'thank you' gift ideas for day and night shift midwives at work?
I'm Australian (33f), and I gave birth just over a week ago at one of Victoria's largest hospitals. The post-natal midwives were absolutely outstanding during my 5 day stay, especially when things didn't go as expected (eg. milk didn't come in) and were very patient with my many questions as a first time mum.
I want to make sure the night-shift midwives are included, as it was 2 night-shift midwives that got my baby's jaundice diagnosis and him into phototherapy from 4-6am.
I want to give them something that makes them feel appreciated, but also makes some of the long days / nights a little easier. I don't work in medicine or healthcare, and I haven't had a shift-work job (edit: not since being a waitress in my late teens and early 20's as a casual).
My thoughts so far are:

• A gift certificate for the on-site cafe (open for 12hrs per day, 7 days), so people can grab a coffee / tea / cake when they need a pick-me-up (I have to hope people wouldn't abuse it) suitable for day and afternoon shift
• A stack of museli / nut / protein bars, so people can grab a snack when they need (I'm assuming this isn't something hospital catering supplies or break rooms have) suitable for night shift

What are your thoughts? Are there more appropriate and appreciative gifts? Are there any logistical hurdles or complications I should consider (eg. having deliveries sent to the right part of the hospital, or food allergies)?
I know the ultimate appreciation is to support increased pay and working conditions for public and private midwives, and vote for governments that say they'll put this into action (which I have done and will continue to do). I'm just looking for something that's more short-term and for the people that helped me.
Thanks in advance for your thoughts and feedback!

CSK Official’s Big Statement on MS Dhoni’s Retirement: The Indian Premier League (IPL) 2024 playoffs were abandoned by Chennai Super Kings (CSK) on Saturday following their league final match loss to Royal Challengers Bengaluru (RCB).
Due to the reality that CSK’s Net Run Rate was a bit lower than RCB’s, the Faf du Plessis-led club prevailed despite both sides having 14 points apiece.
In addition to being disappointed by their team’s elimination, CSK supporters were also heartbroken by the possibility that MS Dhoni was done for good. Nevertheless, Dhoni hasn’t yet informed the team about his possible retirement, according to a CSK official.
A top CSK official discussed in a conversation with the Times of India how Dhoni’s 110-meter six in the match’s last over was largely responsible for his team’s loss to the RCB. Dhoni was unable to deliver on his pledge to raise the IPL trophy at Chepauk throughout this procedure.
“The ball was lost and had to be replaced. Dayal got a drier ball and suddenly hitting became difficult,” a senior CSK official said.
The report further states that Dhoni, who was saddened by the outcome against RCB, left the CSK camp on Sunday and was the first to return to Ranchi.
Regarding the crucial decision regarding Dhoni’s future, an insider informed the newspaper that Thala hasn’t shared his intentions with anybody in the team. He advised the management that the decision would not be taken until after a few months.
“Dhoni has not told anybody in CSK that he is quitting. He has told the management that he will wait for a couple of months before taking a final call,” the report quoted a source as saying. “He did not feel any discomfort in his running between the wickets, and that is a plus.”
Source

Hello people,
My parents had bought 2 flats in Palghar, Maharashtra in 2014 (Not RERA registered, since RERA act was passed in 2016). The registration agreement promised us possession by 2016. The builder had 3 buildings (A, B and C wings of the same building in the same place) under construction at that time and had completed the construction of A and B wings of the flat and had given the possession to the buyers. We had bought 2 flats in the C wing of the apartment. The builder has not yet completed the construction of the flat. When tried to contact the builder, he initially started providing excuses that he had some delay in getting the raw materials and then COVID and then he just kept declining our calls. Later one day, when we got hold of him from someone else's phone, he asked us to complete the remaining construction work of our flat and get the possession ourselves. Now, I guess he has gone absconding as well.
It has been 10 years since we have been trying to get the possession of our flat or our money back. The rental agreement says if the builder delays the possession we are liable to receive some penalty amount. We don't even need any penalty amount, we are from a lower middle class family and would just like to get our hard earned money back. It is literally my dad's entire life savings that we have paid for this flat. He is over 60 now and he can't even afford to retire because he has lost his entire life savings.
Since this not RERA registered, I don't think we can register a complaint in RERA against him. Please give some suggestions as to what we can do to get our money back. Thanks in advance!

Spoilers ahead, read at your own risk
We open this ep with Strawberry watering the plants, and losing control of the hose. This scene was definitely filler, but it didn't drag on, so it wasn't so bad. Then Honey Pie Pony shows up to tell Strawberry that the festival of the fillies is coming soon. We also get introduced to Honey's handstanding ability. Then, the humans travel to Ice Cream Island. The talking raven, aptly named Raven, sees Honey do her handstanding trick and tells Licorice Whip, who is the villain of this ep. This is the first time where we have a true villain in an episode. Yes, Peppermint Fizz is a jerk, but I don't view her as villainous. Licorice has the same vibe as the Pieman, and it's kinda disappointing that neither he nor Raven are ever seen again. Imagine the kind of episode we could've gotten if Licorice Whip and the Pieman collaborated. Oh well, what can you do? Anyway, the humans (Strawberry, Ginger, Orange, and Angel) meet some of the other horses on the island (Orange Twist, Cookie Dough, and Milkshake). This is the first time we see any mention of Orange Blossom being shy around new people, where Ginger says something about Orange being too surprised to be shy. Angle Cake tries to approach Milkshake by running to her, but she runs away (who could've seen that coming? /s). Angel gets sad bc she assumes Milkshake didn't like her. Also, sidenote: Huck isn't in this episode. Either the authors couldn't find a way to include him or the VA wasn't available for recording. Honey translates the other horses saying that they want Honey to lead the parade during the festival. The humans stay overnight on the island, and Honey leaves to practice. When they wake up, Honey is still gone, and Strawberry goes looking for her and sees the footprints of Licorice and Raven. I kinda wish we could've gotten to see the scene where Honey is horse-napped. Anyway, Milkshake brings the girls a wanted poster for the bad guys. The girls ride on the non speaking horses, following the wagon. Meanwhile in said wagon, Honey starts talking after Raven mentions stopping for lunch, and Licorice gets excited about her money making potential as a talking horse. When we get to where Licorice is camping out/holding the captured ponies, we get his evil little musical number about how he's gonna exploit Honey for entertainment and make a ton of money. Sidenote: this song is one of the few mentions of parents in this entire series, which is pretty wild. We get a brief scene of Orange Twist jumping over a ditch, which gets Orange Blossom excited, then we're back to Licorice. He hears Strawberry calling for Honey and orders Raven to go find out where the noise came from. Honey talks to the other horses who tell her that Licorice is evil. She tries to get out, but she almost immediately gets lassoed. Raven follows the girls, and his first instinct is to think that it's sweet that the girls are looking for their friend, which hints to us that he isn't all bad. One of his feathers falls on Milkshake's nose, and Angel remembers that there were bird prints too. They all start going faster, bit Milkshake trips on a tree root and gets hurt. Angel tells the others to go on ahead. Her gentleness with Milkshake contrasts with Licorice's abusive treatment of his abductees. As Licorice is trying to load the horses onto his ship, Raven gets all up in his face to warn him about the girls, which leads to him falling in the water, which is somewhat amusing. Licorice, once again, berates Raven, and so he vents to Honey. She helps him realize that Licorice sucks, so he goes back to help Strawberry and crew. He tells a mini sob story before pledging his loyalty to the girls. Licorice stupidly puts the horses in a fragile wooden cage. The girls get to the dock just as Licorice is leaving. Honey uses her handstand to kick down the cage, and she and the other horses escape in the nick of time. Licorice swears he will come back one day (and then never does, unless he returns off screen). The parade was delayed until Honey comes back. Then, we get the second musical number celebrating the titular festival, which closes out the episode. Overall, a solid episode with a few critiques here and there.
Comment your thoughts below!

Hi guys, I’m (30F) an only child currently dealing with my mother (67) and stepfather (67). My stepfather has always had issues with alcohol, but in the last 7 years my mom seems to have her own issues that have only gotten worse since her retirement.
So my mom retired about 2.5 years ago, she’s never really been the type to want to leave her house so needless to say I worried about her. About 3 months into her retirement she experienced a really bad fall. She tripped on a rug and hit one side of her body against a sideboard, causing bleeding in her brain and a fractured pelvis. Her hospital stay was traumatizing for me, she ended up talking gibberish for a few days due to brain swelling. They also discovered she had AFIB. Meanwhile my stepdad says her fall was caused by alcohol and that they won’t be drinking hard alcohol anymore (sure, Jan).
To make a long story short, she ended up recovering with a relatively mild TBI and my husband and I were hopeful that with me supporting my mom at her Doctors appointments she would make a good recovery (which she did for a while).
My mom refuses to follow up with PT, she can shuffle around the house and do the bare minimum to live, but that’s about it. I’m convinced that if she’d even put a little effort into being active she could physically be so much better. My stepdad doesn’t push her to do these things at all, I think he’d rather drink all day with my mom.
The thing that makes me worry the most is the drinking, I worry that she’s going to have a fall again due to the drinking and her instability on her feet, and with her blood thinners for her AFIB she might not be as lucky next time. She sends me texts/videos and calls when she’s clearly been drinking and it drives my anxiety up the wall.
I go with her to her doctors appointments, but I’m not sure if I’m overstepping my bounds by voicing these concerns during an appointment? I’ve sat them down and told them my concerns, and tried to get my mom out of the house and walking around, but I have my own life and responsibilities! I just feel so guilty and I feel like I’m not doing enough.

To start, I invest in multiple companies including some listed below. This isn’t financial advice just a simple theory of how things could play out, more so an idea for the vehicles used. If I have made any mistakes particularly as it relates to MLPs please correct me as these are a little complex investment vehicles but I tried to dumb it down for my own brain and came to some big realizations and light bulb moments.
MLPs: What are they and how do they work.
Master limited partnerships are a publicly traded company that is taxed as a partnership. It combines the tax benefits of a private partnership with the liquidity of a publicly traded company. Example Carl Icahn (IEP). With MLPs you own Units not shares and receive distributions not dividends (this is a very important point as it relates to taxes and generational wealth).
Advantages of an MLP:

• Distributions are treated as return on invested capital instead of dividends.
• The owner of an MLP is typically passing through the income of the MLP to both himself and the unit holders, this is unlike say Warren Buffet with Berkshire who is holding most of the income himself and distributing a little of the profit in the form of a dividend.
• Distributions are not taxed if reinvested and taxes are only applied if you sell your shares OR if you have received enough distributions to cover your initial cost of purchasing shares.
• MLPs are used by millionaires and billionaires for tax free cash flow.
• Share price is somewhat irrelevant
• If you hold forever your heirs can inherit the position with a reset of cost basis, no taxes are collected on that income and they can begin to collect the tax deferred income for years!!!!!!!

Downsides of an MLP:

• If the companies held within the MLP have profit in a different state to your own you will need to file a state tax return in that state. If they did not make a profit this is not required.
• If you own units of an MLP you will likely need to file a tax extension each year as you will need to wait until you have your K1 issued from the company that often comes in April. Probably a very small price to pay for the benefits of the MLP itself.
• Like all investments the companies held within may perform poorly lowering or temporarily eliminating the distribution. The overall price of the MLP is also subject to market forces and may drop.
• Since the investment is tax deferred when or if you sell you could be hit with a hefty tax bill. If you time the sale right this could be reduced (such as in retirement) but let’s say for example the MLP is acquired you may be stuck with the tax bill at the time of the acquisition.

What must MLPs hold to qualify:
To cut this short 90% of what type of companies an MLP can hold must be in the following sectors Energy, Natural Resources, Marketing and Distribution (retail disqualified) Interest and dividends, Real estate, commodities and commodity futures.
How are MLPs formed:
An MLP can be formed in several ways. An existing non-traded partnership may decide to go public, or several non-traded partnerships may “roll-up” into a single MLP. A corporation may spin off a group of its assets or part of its business to an MLP in which the corporation retains an ownership interest.
How does this possibly apply to us:

• GameStop has mentioned the distribution of units in their filings
• RC “buys all the stocks” could mean he plans to formulate a MLP or join assets from companies to an MLP
• IEP currently own 9.8% of Newell
• Teddy books really are about long term investing and passing wealth and knowledge onto little ones. MLPs are the perfect vehicle to do so.

Spitball Scenario this could be very wrong but it’s a guess. If you have a better guess let me know I would love to hear it because I truly think MLPs are involved in one way or another.

• Gamestop formulates their own MLP
• RC ventures LLC (who own a significant amount of BBBY shares) joins Gamestops MLP
• RC Ventures who has already bought BBBY and Baby preserving the NOLs and the ticker through RC Ventures issues cash to bbby holders
• BBBY ticker goes live again and it moons ripping the face off short positions
• Bed bath is carved out to IEP/Newell who issues units of IEP to stock holders this again rips the face off the short positions in IEP.
• Since RC ventures is in Gamestops MLP The owners of GameStop are awarded a distribution from the BBBY profit and kaboom this distribution causes moass in GME
• This is a 3 way punch to shorts they will be destroyed.
• GameStops MLP invests in Kirkbi (Lego) which is their sustainable energy, real estate and fixed income company https://www.kirkbi.com/activities/investment-activities/
• GME invest in some commodities, corn? Remember Teddy books talk about commodities and diversifying investments
• GME invest in the Atlanta Braves through Liberty Media which are mostly made up of their real estates investment.
• Add some other dividend stocks or fixed cash investments and you suddenly have a viable MLP.

But here’s the kicker, you never have to sell a single share of GME. You pay limited taxes on the distribution gains and the underlying asset is an infinity squeeze price and you will pass on generational wealth to your kin.
At this point I should mention someone who may have seen all this coming OKBet. He outlined exactly how to finance a life of luxury without selling a share and borrowing against the underlying asset. Essentially I take out a loan with my stock as collateral, the loan percentage may only be 5% interest but the distributions/dividends of my stock outrun the loan interest allowing me to perpetually hold but still live the life I want to live.
I will see if I can add a link to his work.

It's my cake day so I want to talk about these thoughts I had.
So we see kris pull out a knife and threaten us, and then they just eat pie, clearly a fake out , no?
Well not quiet. first off they don't just eat a pie. they also plug in the tv, giving a very good cause that they where planning to open the dark world already.
Secondly they where up so late that they had to sleep through class.
I honestly think them opening the dark world makes a lot of sense. You might say the timeline doesn't make sense, but think about chapter 1 when we enter a dark world. We spend quiet some time before we fall in.
Surely enough time, for two people to walk in, hands full of books thinking they need to go find the light switch and then fall in. That is the true moment the dark fountain is opened, and that's when ralsei senses it.
thanks for letting me rant

For some background, I’m 18F. My dad wasn’t present during the abuse due to a demanding international job and whenever she had contact with him, my NMom would tell him lies about me. On the other side, she would tell me my dad was a bigot and would hate me for dating a girl, POC, or for “telling him what I did to make (her) hit me.” Stuff like that. Unfortunately, she’s a very convincing liar and is good at utilizing whatever is going on around her to fit her narrative. So, we both believed her. A couple years ago, he retired and we both made amends in our relationship and in the process, I told him about the abuse. He was beyond devastated. They’re divorcing now. I’m still living in the same house as her, but my dad is working his ass off every day trying to get it ready for the market. I’ll probably be out of here in a few weeks.
As for what my NMom did, I would be here all day, but here’s a summary: It involves, but is not limited to, emotional abuse, physical abuse, sexual harassment, cyberstalking, enmeshment, and drugging me with a combination of her & my medication. The worst that I can remember was Zoloft + Benzodiazepines. She encouraged me not to come forward about being bullied and molested by another kid when I was 9, and kept inviting said kid over anyways. She lied about being my biological mother, which I didn’t realize until 2 months ago. That’s around the time I went NC, but not for that reason specifically.
Now to cover the title of this post:
Let me just start by saying her whole family is off. And her brother died 2 months after I was born, but he, in particular, has always been a topic of tense conversation. I’ve never seen anyone hate a human being more than my NMom hates her brother.
My NMom was born to abominably neglectful parents. Her sister practically raised by her. And her MUCH older brother grew up to be a drunkard, a felon, and potentially a sex offender. My NMom once said that he was abusive, but never specified how so. However, everyone kinda suspects the same thing.
He was dishonorably discharged from the Vietnam war in late 1968 and got divorced the same year. He was 29 years old then, and moved back into his parents’ place. He began drinking more than usual. My NMom told me that in the winter of 1969 she had an abortion and then attempted suicide. She was 16 at the time. Around 1970 (not confirmed), her brother’s daughter was born and then immediately put into foster care. Said daughter’s name is very similar to mine. My NMom never brought up her existence until I found her birth record online. She seemed very hurried to end the conversation. I think it’s very worth noting her brother became a freemason and my NMom was both a lawyer and briefly a psychiatrist.
I understand how serious this is, but I just wanted to get it off my chest. Because regardless of my disdain towards my NMom, the thought that this could be true is absolutely horrifying. I’ve only told my dad and therapist my suspicions.
I see the same signs of abuse in her that I see in myself. But, unlike me, she became the abuser and honestly I don’t even think it was just her brother that turned her into this. Contributed, yes, created, probably not. The way she and everyone else in her family talk about her as a child, it seems like she has always been like this.
To make it clear, I pity my NMom. Big time. But I can never forgive her.